| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they " verified it ''. Additionally I requested that they removed that information and it was denied. They have broken the following federal laws.
XXXX XXXX Code XXXX - Definitions ; rules of construction ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ XXXX ] ( XXXX ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section XXXX ( g ) ( XXXX ) of this title, the exclusions in paragraph ( XXXX ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution XXXX not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section XXXX of this title.
( b ) Opt out ( XXXX ) In general A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( XXXX ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between XXXX or more financial institutions that comply with the requirements imposed by the regulations prescribed under section XXXX of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( XXXX ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( XXXX ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( XXXX ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, XXXX, and auditors ; ( XXXX ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of XXXX [ XXXX XXXX. XXXX et seq. ], to law enforcement agencies ( including the XXXX XXXX XXXX XXXX XXXX [ XXXX ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter XXXX of chapter XXXX of title XXXX, and chapter XXXX of title I of Public Law XXXX ( XXXX XXXX. XXXX ), a XXXX insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( XXXX ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ XXXX U.S.C. XXXX et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( XXXX ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( XXXX ) to comply with XXXX, XXXX, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by XXXX, XXXX, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXX grand jury, or a subpoena issued in accordance with section XXXX of title XXXX or section XXXX of title XXXX.
( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX XXXX XXXX - Compliance procedures ( a ) Identity and purposes of credit users XXXX consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency XXXX furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section XXXX of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
XXXX XXXX Code XXXX - Records maintained on individuals ( a ) Definitions.For purposes of this section ( XXXX ) the term agency means agency as defined in section XXXX ( XXXX ) [ XXXX ] of this title ; ( XXXX ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( XXXX ) the term maintain includes maintain, collect, use, or disseminate ; ( XXXX ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( XXXX ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( XXXX ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section XXXX of title XXXX ; ( XXXX ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( XXXX ) the term matching program ( A ) means any computerized comparison of ( i ) XXXX or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) XXXX or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which XXXX not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section XXXX ( d ) of the Internal Revenue Code of XXXX, ( II ) for purposes of tax administration as defined in section XXXX ( b ) ( XXXX ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section XXXX ( XXXX ), XXXX, or XXXX of the Social Security XXXX ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the XXXX of the Office of XXXX and XXXX XXXX XXXX verification, notice, and hearing requirements that are substantially similar to the procedures in section XXXX of the Social Security XXXX ; ( v ) matches ( XXXX ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the XXXX of the Office of XXXX and XXXX XXXX XXXX subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal XXXX personnel ; ( XXXX ) matches performed incident to a levy described in section XXXX ( k ) ( XXXX ) of the Internal Revenue Code of XXXX ; ( XXXX ) XXXX performed pursuant to section XXXX ( x ) ( XXXX ) or XXXX ( XXXX ) ( XXXX ) of the Social Security XXXX ( XXXX XXXX. XXXX ( x ) ( XXXX ), XXXX ( XXXX ) ( XXXX ) ) ; ( XXXX ) matches performed by the Secretary of XXXX and XXXX XXXX or the Inspector General of the Department XXXX XXXX and XXXX XXXX with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section XXXX ( d ) ( XXXX ) of the Achieving a Better Life Experience Act of XXXX ; XXXX ( XXXX ) the term recipient agency means any agency, or XXXX thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( XXXX ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( XXXX ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( XXXX ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( XXXX ) the term Federal personnel XXXX officers and employees of the Government of the United States XXXX XXXX of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States XXXX XXXX survivor benefits ).
( b ) Conditions of XXXX XXXX shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( XXXX ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( XXXX ) required under section XXXX of this title ; ( XXXX ) for a routine use as defined in subsection ( a ) ( XXXX ) of this section and described under subsection ( XXXX ) ( XXXX ) ( D ) of this section ; ( XXXX ) to the XXXX of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title XXXX ; ( XXXX ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( XXXX ) to the XXXX XXXX and XXXX XXXX as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( XXXX ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( XXXX ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( XXXX ) to either House XXXX XXXX, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any XXXX XXXX XXXX XXXX or XXXX of any such joint committee ; ( XXXX ) to the XXXX XXXX, or any of his authorized representatives, in the course of the performance of the duties of the Government XXXX XXXX ; ( XXXX ) pursuant to the order of a court of competent jurisdiction ; or ( XXXX ) to a consumer reporting agency in accordance with section XXXX ( XXXX ) of title XXXX.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( XXXX ) except for disclosures made under subsections ( b ) ( XXXX ) or ( b ) ( XXXX ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( XXXX ) retain the accounting made under paragraph ( XXXX ) of this subsection for at least XXXX years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( XXXX ) except for disclosures made under subsection ( b ) ( XXXX ) of this section, make the accounting made under paragraph ( XXXX ) of this subsection available to the individual named in the record at his request; and ( XXXX ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( XXXX ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency XXXX require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( XXXX ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding XXXX, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an XXXX designated by the head of the agency, and the name and business address of that official ; ( XXXX ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding XXXX, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such XXXX period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( XXXX ) ( A ) of this section ; ( XXXX ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( XXXX ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( XXXX ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( XXXX XXXX XXXX Requirements.Each agency that maintains a system of records shall ( XXXX ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by XXXX order of the President ; ( XXXX ) collect information to the greatest extent practicable directly from the subject individual when the information XXXX result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( XXXX ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by XXXX order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which XXXX be made of the information, as published pursuant to paragraph ( XXXX ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( XXXX ) subject to the provisions of paragraph ( XXXX ) of this subsection, publish in the XXXX XXXX upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( XXXX ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( XXXX ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( XXXX ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( XXXX ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( XXXX ) maintain no record describing how any individual exercises rights guaranteed by the XXXX XXXX unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( XXXX ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( XXXX ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( XXXX ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( XXXX ) at least 30 days prior to publication of information under paragraph ( XXXX ) ( D ) of this subsection, publish in the XXXX XXXX notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( XXXX ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the XXXX XXXX notice of such establishment or revision.
( f ) XXXX XXXX order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section XXXX of this title, which shall ( XXXX ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( XXXX ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( XXXX ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( XXXX ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means XXXX be necessary for each individual to be able to exercise fully his rights under this section; and ( XXXX ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The XXXX XXXX XXXX XXXX XXXX shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( XXXX ) ( XXXX ) of this section in a form available to the public at low cost.
( g ) ( XXXX ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( XXXX ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( XXXX ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that XXXX be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual XXXX bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( XXXX ) ( A ) In any suit brought under the provisions of subsection ( g ) ( XXXX ) ( A ) of this section, the court XXXX order the agency to amend the individuals record in accordance with his request or in such other way as the court XXXX direct. In such a case the court shall determine the matter de novo.
( B ) The court XXXX assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( XXXX ) ( A ) In any suit brought under the provisions of subsection ( g ) ( XXXX ) ( B ) of this section, the court XXXX enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and XXXX examine the contents of any agency records in camera to determine whether the records or any portion thereof XXXX be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court XXXX assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( XXXX ) In any suit brought under the provisions of subsection ( g ) ( XXXX ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result
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| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
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|
Transunion and XXXX continue to report inaccurate information listed on the account XXXX XXXX Account # XXXX.
Last Verified : XX/XX/XXXX -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Payment Status : Late 120 Days Late 150 Days 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1637 - Open end consumer credit plans ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.
( 2 ) The method of determining the balance upon which a finance charge will be imposed.
( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge.
( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 5 ) Identification of other charges which may be imposed as part of the plan, and their method of computation, in accordance with regulations of the Bureau.
( 6 ) In cases where the credit is or will be secured, a statement that a security interest has been or will be taken in ( A ) the property purchased as part of the credit transaction, or ( B ) property not purchased as part of the credit transaction identified by item or type.
( 7 ) A statement, in a form prescribed by regulations of the Bureau of the protection provided by sections 1666 and 1666i of this title to an obligor and the creditors responsibilities under sections 1666a and 1666i of this title. With respect to one billing cycle per calendar year, at intervals of not less than six months or more than eighteen months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle.
( 8 ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section 1637a ( a ) of this title; and ( B ) the Bureau determines is not described in any other paragraph of this subsection.
( b ) Statement required with each billing cycle The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : ( 1 ) The outstanding balance in the account at the beginning of the statement period.
( 2 ) The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the Bureau sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title. In lieu of complying with the requirements of the previous sentence, in the case of any transaction in which the creditor and seller are the same person, as defined by the Bureau, and such persons open end credit plan has fewer than 15,000 accounts, the creditor may elect to provide only the amount and date of each extension of credit during the period and the sellers name and location where the transaction took place if ( A ) a brief identification of the transaction has been previously furnished, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title.
( 3 ) The total amount credited to the account during the period.
( 4 ) The amount of any finance charge added to the account during the period, itemized to show the amounts, if any, due to the application of percentage rates and the amount, if any, imposed as a minimum or fixed charge.
( 5 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and, unless the annual percentage rate ( determined under section 1606 ( a ) ( 2 ) of this title ) is required to be disclosed pursuant to paragraph ( 6 ), the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 6 ) Where the total finance charge exceeds XXXX cents for a monthly or longer billing cycle, or the pro rata part of XXXX cents for a billing cycle shorter than monthly, the total finance charge expressed as an annual percentage rate ( determined under section 1606 ( a ) ( 2 ) of this title ), except that if the finance charge is the sum of two or more products of a rate times a portion of the balance, the creditor may, in lieu of disclosing a single rate for the total charge, disclose each such rate expressed as an annual percentage rate, and the part of the balance to which it is applicable.
( 7 ) The balance on which the finance charge was computed and a statement of how the balance was determined. If the balance is determined without first deducting all credits during the period, that fact and the amount of such payments shall also be disclosed.
( 8 ) The outstanding balance in the account at the end of the period.
( 9 ) The date by which or the period ( if any ) within which, payment must be made to avoid additional finance charges, except that the creditor may, at his election and without disclosure, impose no such additional finance charge if payment is received after such date or the termination of such period.
( 10 ) The address to be used by the creditor for the purpose of receiving billing inquiries from the obligor.
( 11 ) ( A ) A written statement in the following form : Minimum Payment Warning : Making only the minimum payment will increase the amount of interest you pay and the time it takes to repay your balance., or such similar statement as is established by the Bureau pursuant to consumer testing.
( B ) Repayment information that would apply to the outstanding balance of the consumer under the credit plan, including ( i ) the number of months ( rounded to the nearest month ) that it would take to pay the entire amount of that balance, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( ii ) the total cost to the consumer, including interest and principal payments, of paying that balance in full, if the consumer pays only the required minimum monthly payments and if no further advances are made ; ( iii ) the monthly payment amount that would be required for the consumer to eliminate the outstanding balance in 36 months, if no further advances are made, and the total cost to the consumer, including interest and principal payments, of paying that balance in full if the consumer pays the balance over 36 months ; and ( iv ) a toll-free telephone number at which the consumer may receive information about accessing credit counseling and debt management services.
( C ) ( i ) Subject to clause ( ii ), in making the disclosures under subparagraph ( B ), the creditor shall apply the interest rate or rates in effect on the date on which the disclosure is made until the date on which the balance would be paid in full.
( ii ) If the interest rate in effect on the date on which the disclosure is made is a temporary rate that will change under a contractual provision applying an index or formula for subsequent interest rate adjustment, the creditor shall apply the interest rate in effect on the date on which the disclosure is made for as long as that interest rate will apply under that contractual provision, and then apply an interest rate based on the index or formula in effect on the applicable billing date.
( D ) All of the information described in subparagraph ( B ) shall ( i ) be disclosed in the form and manner which the Bureau shall prescribe, by regulation, and in a manner that avoids duplication ; and ( ii ) be placed in a conspicuous and prominent location on the billing statement.
( E ) In the regulations prescribed under subparagraph ( D ), the Bureau shall require that the disclosure of such information shall be in the form of a table that ( i ) contains clear and concise headings for each item of such information; and ( ii ) provides a clear and concise form stating each item of information required to be disclosed under each such heading.
( F ) In prescribing the form of the table under subparagraph ( E ), the Bureau shall require that ( i ) all of the information in the table, and not just a reference to the table, be placed on the billing statement, as required by this paragraph ; and ( ii ) the items required to be included in the table shall be listed in the order in which such items are set forth in subparagraph ( B ).
( G ) In prescribing the form of the table under subparagraph ( D ), the Bureau shall employ terminology which is different than the terminology which is employed in subparagraph ( B ), if such terminology is more easily understood and conveys substantially the same meaning.
( 12 ) Requirements relating to late payment deadlines and penalties.
( A ) Late payment deadline required to be disclosed.
In the case of a credit card account under an open end consumer credit plan under which a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment, the periodic statement required under subsection ( b ) with respect to the account shall include, in a conspicuous location on the billing statement, the date on which the payment is due or, if different, the date on which a late payment fee will be charged, together with the amount of the fee or charge to be imposed if payment is made after that date.
( B ) Disclosure of increase in interest rates for late payments.
If 1 or more late payments under an open end consumer credit plan may result in an increase in the annual percentage rate applicable to the account, the statement required under subsection ( b ) with respect to the account shall include conspicuous notice of such fact, together with the applicable penalty annual percentage rate, in close proximity to the disclosure required under subparagraph ( A ) of the date on which payment is due under the terms of the account.
( C ) Payments at local branches.
If the creditor, in the case of a credit card account referred to in subparagraph ( A ), is a financial institution which maintains branches or offices at which payments on any such account are accepted from the obligor in person, the date on which the obligor makes a payment on the account at such branch or office shall be considered to be the date on which the payment is made for purposes of determining whether a late fee or charge may be imposed due to the failure of the obligor to make payment on or before the due date for such payment.
( c ) Disclosure in credit and charge card applications and solicitations ( 1 ) Direct mail applications and solicitations ( A ) Information in tabular format Any application to open a credit card account for any person under an open end consumer credit plan, or a solicitation to open such an account without requiring an application, that is mailed to consumers shall disclose the following information, subject to subsection ( e ) and section 1632 ( c ) of this title : ( i ) Annual percentage rates ( I ) Each annual percentage rate applicable to extensions of credit under such credit plan.
( II ) Where an extension of credit is subject to a variable rate, the fact that the rate is variable, the annual percentage rate in effect at the time of the mailing, and how the rate is determined.
( III ) Where more than one rate applies, the range of balances to which each rate applies.
( ii ) Annual and other fees ( I ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of a credit card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle.
( II ) Any minimum finance charge imposed for each period during which any extension of credit which is subject to a finance charge is outstanding.
( III ) Any transaction charge imposed in connection with use of the card to purchase goods or services.
( iii ) Grace period ( I ) The date by which or the period within which any credit extended under such credit plan for purchases of goods or services must be repaid to avoid incurring a finance charge, and, if no such period is offered, such fact shall be clearly stated.
( II ) If the length of such grace period varies, the card issuer may disclose the range of days in the grace period, the minimum number of days in the grace period, or the average number of days in the grace period, if the disclosure is identified as such.
( iv ) Balance calculation method ( I ) The name of the balance calculation method used in determining the balance on which the finance charge is computed if the method used has been defined by the Bureau, or a detailed explanation of the balance calculation method used if the method has not been so defined.
( II ) In prescribing regulations to carry out this clause, the Bureau shall define and name not more than the 5 balance calculation methods determined by the Bureau to be the most commonly used methods.
( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( e ) and ( f ) : ( i ) Cash advance fee Any fee imposed for an extension of credit in the form of cash.
( ii ) Late fee Any fee imposed for a late payment.
( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account.
( 2 ) Telephone solicitations ( A ) In general In any telephone solicitation to open a credit card account for any person under an open end consumer credit plan, the person making the solicitation shall orally disclose the information described in paragraph ( 1 ) ( A ).
( B ) Exception Subparagraph ( A ) shall not apply to any telephone solicitation if ( i ) the credit card issuer ( I ) does not impose any fee described in paragraph ( 1 ) ( A ) ( ii ) ( I ) ; or ( II ) does not impose any fee in connection with telephone solicitations unless the consumer signifies acceptance by using the card ; ( ii ) the card issuer discloses clearly and conspicuously in writing the information described in paragraph ( 1 ) within 30 days after the consumer requests the card, but in no event later than the date of delivery of the card ; and ( iii ) the card issuer discloses clearly and conspicuously that the consumer is not obligated to accept the card or account and the consumer will not be obligated to pay any of the fees or charges disclosed unless the consumer elects to accept the card or account by using the card.
( 3 ) Applications and solicitations by other means ( A ) In general Any application to open a credit card account for any person under an open end consumer credit plan, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall meet the disclosure requirements of subparagraph ( B ), ( C ), or ( D ).
( B ) Specific information An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation contains ( i ) the information ( I ) described in paragraph ( 1 ) ( A ) in the form required under section 1632 ( c ) of this title, subject to subsection ( e ), and ( II ) described in paragraph ( 1 ) ( B ) in a clear and conspicuous form, subject to subsections ( e ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant may contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed.
( C ) General information without any specific term An application or solicitation described in subparagraph ( A ) meets the requirement of this subparagraph if such application or solicitation ( i ) contains a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) there are costs associated with the use of credit cards ; and ( II ) the applicant may contact the creditor to request disclosure of specific information of such costs by calling a toll free telephone number or by writing to an address, specified in the application; ( ii ) contains a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number and a mailing address at which the applicant may contact the creditor to obtain such information ; and ( iii ) does not contain any of the items described in paragraph ( 1 ).
( D ) Applications or solicitations containing subsection ( a ) disclosures An application or solicitation meets the requirement of this subparagraph if it contains, or is accompanied by ( i ) the disclosures required by paragraphs ( 1 ) through ( 6 ) of subsection ( a ) ; ( ii ) the disclosures required by subparagraphs ( A ) and ( B ) of paragraph ( 1 ) of this subsection included clearly and conspiciously [ 1 ] ( except that the provisions of section 1632 ( c ) of this title shall not apply ) ; and ( iii ) a toll free telephone number or a mailing address at which the applicant may contact the creditor to obtain any change in the information provided.
( E ) Prompt response to information requests Upon receipt of a request for any of the information referred to in subparagraph ( B ), ( C ), or ( D ), the card issuer or the agent of such issuer shall promptly disclose all of the information described in paragraph ( 1 ).
( 4 ) Charge card applications and solicitations ( A ) In general Any application or solicitation to open a charge card account shall disclose clearly and conspicuously the following information in the form required by section 1632 ( c ) of this title, subject to subsection ( e ) : ( i ) Any annual fee, other periodic fee, or membership fee imposed for the issuance or availability of the charge card, including any account maintenance fee or other charge imposed based on activity or inactivity for the account during the billing cycle.
( ii ) Any transaction charge imposed in connection with use of the card to purchase goods or services.
( iii ) A statement that charges incurred by use of the charge card are due and payable upon receipt of a periodic statement rendered for such charge card account.
( B ) Other information In addition to the information required to be disclosed under subparagraph ( A ), each written application or solicitation to which such subparagraph applies shall disclose clearly and conspicuously the following information, subject to subsections ( e ) and ( f ) : ( i ) Cash advance fee Any fee imposed for an extension of credit in the form of cash.
( ii ) Late fee Any fee imposed for a late payment.
( iii ) Over-the-limit fee Any fee imposed in connection with an extension of credit in excess of the amount of credit authorized to be extended with respect to such account.
( C ) Applications and solicitations by other means Any application to open a charge card account, and any solicitation to open such an account without requiring an application, that is made available to the public or contained in catalogs, magazines, or other publications shall contain ( i ) the information ( I ) described in subparagraph ( A ) in the form required under section 1632 ( c ) of this title, subject to subsection ( e ), and ( II ) described in subparagraph ( B ) in a clear and conspicuous form, subject to subsections ( e ) and ( f ) ; ( ii ) a statement, in a conspicuous and prominent location on the application or solicitation, that ( I ) the information is accurate as of the date the application or solicitation was printed ; ( II ) the information contained in the application or solicitation is subject to change after such date ; and ( III ) the applicant should contact the creditor for information on any change in the information contained in the application or solicitation since it was printed ; ( iii ) a clear and conspicuous disclosure of the date the application or solicitation was printed ; and ( iv ) a disclosure, in a conspicuous and prominent location on the application or solicitation, of a toll free telephone number or a mailing address at which the applicant may contact the creditor to obtain any change in the information provided in the application or solicitation since it was printed.
( D ) Issuers of charge cards which provide access to open end consumer credit plans If a charge card permits the card holder to receive an extension of credit under an open end consumer credit plan, which is not maintained by the charge card issuer, the charge card issuer may provide the information described in subparagraphs ( A ) and ( B ) in the form required by such subparagraphs in lieu of the information required to be provided under paragraph ( 1 ), ( 2 ), or ( 3 ) with respect to any credit extended under such plan, if the charge card issuer discloses clearly and conspicuously to the consumer in the application or solicitation that ( i ) the charge card issuer will make an independent decision as to whether to issue the card ; ( ii ) the charge card may arrive before the decision is made with respect to an extension of credit under an open end consumer credit plan ; and ( iii ) approval by the charge card issuer does not constitute approval by the issuer of the extension of credit.
The information required to be disclosed under paragraph ( 1 ) shall be provided to the charge card holder by the creditor which maintains such open end consumer credit plan before the first extension of credit under such plan.
( E ) Charge card defined For the purposes of this subsection, the term charge card means a card, plate, or other single credit device that may be used from time to time to obtain credit which is not subject to a finance charge.
( 5 ) Regulatory authority of the Bureau The Bureau may, by regulation, require the disclosure of information in addition to that otherwise required by this subsection or subsection ( d ), and modify any disclosure of information required by this subsection or subsection ( d ), in any application to open a credit card account for any person under an open end consumer credit plan or any application to open a charge card account for any person, or a solicitation to open any such account without requiring an application, if the Bureau determines that such action is necessary to carry out the purposes of, or prevent evasions of, any paragraph of this subsection.
( 6 ) Additional notice concerning introductory rates ( A ) In general Except as provided in subparagraph ( B ), an application or solicitation to open a credit card account and all promotional materials accompanying such application or solicitation for which a disclosure is required under paragraph ( 1 ), and that offers a temporary annual percentage rate of interest, shall ( i ) use the term introductory in immediate proximity to each listing of the temporary annual percentage rate applicable to such account, which term shall appear clearly and conspicuously ; ( ii ) if the annual percentage rate of interest that will apply after the end of the temporary rate period will be a fixed rate, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing of the temporary annual percentage rate in the tabular format described in section 1632 ( c ) of this title ), the time period in which the introductory period will end and the annual percentage rate that will apply after the end of the introductory period; and ( iii ) if the annual percentage rate that will apply after the end of the temporary rate period will vary in accordance with an index, state in a clear and conspicuous manner in a prominent location closely proximate to the first listing of the temporary annual percentage rate ( other than a listing in the tabular format prescribed by section 1632 ( c ) of this title ), the time period in which the introductory period will end and the rate that will apply after that, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation.
( B ) Exception Clauses ( ii ) and ( iii ) of subparagraph ( A ) do not apply with respect to any listing of a temporary annual percentage rate on an envelope or other enclosure in which an application or solicitation to open a credit card account is mailed.
( C ) Conditions for introductory rates An application or solicitation to open a credit card account for which a disclosure is required under paragraph ( 1 ), and that offers a temporary annual percentage rate of interest shall, if that rate of interest is revocable under any circumstance or upon any event, clearly and conspicuously disclose, in a prominent manner on or with such application or solicitation ( i ) a general description of the circumstances that may result in the revocation of the temporary annual percentage rate ; and ( ii ) if the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ( I ) will be a fixed rate, the annual percentage rate that will apply upon the revocation of the temporary annual percentage rate ; or ( II ) will vary in accordance with an index, the rate that will apply after the temporary rate, based on an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation.
( D ) Definitions In this paragraph ( i ) the terms temporary annual percentage rate of interest and temporary annual percentage rate mean any rate of interest applicable to a credit card account for an introductory period of less than 1 year, if that rate is less than an annual percentage rate that was in effect within 60 days before the date of mailing the application or solicitation; and ( ii ) the term introductory period means the maximum time period for which the temporary annual percentage rate may be applicable.
( E ) Relation to other disclosure requirements Nothing in this paragraph may be construed to supersede subsection ( a ) of section 1632 of this title, or any disclosure required by paragraph ( 1 ) or any other provision of this subsection.
( 7 ) Internet-based solicitations ( A ) In general In any solicitation to open a credit card account for any person under an open end consumer credit plan using the Internet or other interactive computer service, the person making the solicitation shall clearly and conspicuously disclose ( i ) the information described in subparagraphs ( A ) and ( B ) of paragraph ( 1 ) ; and ( ii ) the information described in paragraph ( 6 ).
( B ) Form of disclosure The disclosures required by subparagraph ( A ) shall be ( i ) readily accessible to consumers in close proximity to the solicitation to open a credit card account ; and ( ii ) updated regularly to reflect the current policies, terms, and fee amounts applicable to the credit card account.
( C ) Definitions For purposes of this paragraph ( i ) the term Internet means the international computer network of both Federal and non-Federal interoperable packet switched data networks; and ( ii ) the term interactive computer service means any information service, system, or access software provider that provides or enables computer access by multiple users to a computer server, including specifically a service or system that provides access to the Internet and such systems operated or services offered by libraries or educational institutions.
( 8 ) Applications from underage consumers ( A ) Prohibition on issuance No credit card may be issued to, or open end consumer credit plan established by or on behalf of, a consumer who has not attained the age of XXXX unless the consumer has submitted a written application to the card issuer that meets the requirements of subparagraph ( B ).
( B ) Application requirements An application to open a credit card account by a consumer who has not attained the age of XXXX as of the date of submission of the application shall require ( i ) the signature of a cosigner, including the parent, legal guardian, spouse, or any other individual who has attained the age of XXXX having a means to repay debts incurred by the consumer in connection with the account, indicating joint liability for debts incurred by the consumer in connection with the account before the consumer has attained the age of XXXX XXXX or ( ii ) submission by the consumer of financial information, including through an application, indicating an independent means of repaying any obligation arising from the proposed extension of credit in connection with the account.
( C ) Safe harbor The Bureau shall promulgat
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I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they " verified it ''. Additionally I requested that they removed that information and it was denied. They have broken the following federal laws.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I did NOT give this agency written instructions to report the information on the attached dispute letter and when I requested the removal of it per the privacy act of 1974 and 15 USC 1681b, they denied me my consumer right. Because of this, they have caused me damages and have additionally broken the following federal laws ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I did NOT give this agency written instructions to report the information on the attached dispute letter and when I requested the removal of it per the privacy act of 1974 and 15 USC 1681b, they denied me my consumer right. Because of this, they have caused me damages and have additionally broken the following federal laws ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I did NOT give this agency written instructions to report the information on the attached dispute letter and when I requested the removal of it per the privacy act of 1974, they denied me my right. Because of this, they have broken the following federal laws ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of ( A ) actual damages sustained by the individual as a result of the refusal or failure
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- Credit reporting, credit repair services, or other personal consumer reports
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- Reporting company used your report improperly
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On my credit I have this account XXXX XXXX XXXX # XXXX the payment history is wrong! XXXX then XXXX, CO? No payment history for Transunion! This all is a violation per 15 U.S. Code 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
The whole account on the credit report for Transunion and XXXX that is a violation per 15 U.S. Code 1666a a ) Reports by creditor on obligors failure to pay amount regarded as a billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts.
( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.
( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported.
I never gave written, unwritten verbal and nonverbal consent to any of the 3 companies to publish my credit report per 15 USC 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title 15 U.S.C. 1681-1681u ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.
( 2 ) Applicable findings, decisions, commentary, and orders.
For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply.
( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer.
( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.
( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance.
( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account.
( n ) State.
The term State means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States.
( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ).
( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.
( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
( q ) Definitions Relating to Fraud Alerts.
( 1 ) Active duty military consumer.The term active duty military consumer means a consumer in military service who ( A ) is on active duty ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a reservist performing duty under a call or order to active duty under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer.
( 2 ) Fraud alert ; active duty alert.The terms fraud alert and active duty alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an active duty military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report.
( 3 ) Identity theft.
The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.
( 5 ) New credit plan.
The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i ) 1 of this title ) or a new credit transaction not under an open end credit plan.
( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card.
( 2 ) Credit card.
The term credit card has the same meaning as in section 1602 of this title.
( 3 ) Debit card.
The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services.
( 4 ) Account and electronic fund transfer.
The terms account and electronic fund transfer have the same meanings as in section 1693a of this title.
( 5 ) Credit and creditor.
The terms credit and creditor have the same meanings as in section 1691a of this title.
( s ) Federal Banking Agency.
The term Federal banking agency has the same meaning as in section 1813 of title 12.
( t ) Financial Institution.
The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.
( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced.
( v ) Commission.
The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection.
( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims.
( y ) Exclusion of Certain Communications for Employee Investigations.
( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title.
( 2 ) Subsequent disclosure.
After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed.
( 3 ) Self-regulatory organization defined.
For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission.
( z ) Veteran.
The term veteran has the meaning given the term in section 101 of title 38.
( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
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| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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On my credit report from Transunion is an inquiry from XXXX XXXX. I did not make this inquiry and Transunion has not removed it! I did complete an ID Theft affidavit and all they say is its being investigated.18 U.S. Code 1028 This is too long for an item to be investigated it is now XXXX and is still on my report!
According to 18 U.S. Code 1028 says - Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document or authentication feature that is or appears to be an identification document or authentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.
( b ) The punishment for an offense under subsection ( a ) of this section is ( 1 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 15 years, or both, if the offense is ( A ) the production or transfer of an identification document, authentication feature, or false identification document that is or appears to be ( i ) an identification document or authentication feature issued by or under the authority of the United States ; or ( ii ) a birth certificate, or a drivers license or personal identification card ; ( B ) the production or transfer of more than five identification documents, authentication features, or false identification documents ; ( C ) an offense under paragraph ( 5 ) of such subsection ; or ( D ) an offense under paragraph ( 7 ) of such subsection that involves the transfer, possession, or use of 1 or more means of identification if, as a result of the offense, any individual committing the offense obtains anything of value aggregating {$1000.00} or more during any 1-year period ; ( 2 ) except as provided in paragraphs ( 3 ) and ( 4 ), a fine under this title or imprisonment for not more than 5 years, or both, if the offense is ( A ) any other production, transfer, or use of a means of identification, an identification document,, [ 1 ] authentication feature, or a false identification document ; or ( B ) an offense under paragraph ( 3 ) or ( 7 ) of such subsection ; ( 3 ) a fine under this title or imprisonment for not more than 20 years, or both, if the offense is committed ( A ) to facilitate a drug trafficking crime ( as defined in section 929 ( a ) ( 2 ) ) ; ( B ) in connection with a crime of violence ( as defined in section 924 ( c ) ( 3 ) ) ; or ( C ) after a prior conviction under this section becomes final ; ( 4 ) a fine under this title or imprisonment for not more than 30 years, or both, if the offense is committed to facilitate an act of domestic terrorism ( as defined under section 2331 ( 5 ) of this title ) or an act of international terrorism ( as defined in section 2331 ( 1 ) of this title ) ; ( 5 ) in the case of any offense under subsection ( a ), forfeiture to the United States of any personal property used or intended to be used to commit the offense ; and ( 6 ) a fine under this title or imprisonment for not more than one year, or both, in any other case.
( c ) The circumstance referred to in subsection ( a ) of this section is that ( 1 ) the identification document, authentication feature, or false identification document is or appears to be issued by or under the authority of the United States or a sponsoring entity of an event designated as a special event of national significance or the document-making implement is designed or suited for making such an identification document, authentication feature, or false identification document ; ( 2 ) the offense is an offense under subsection ( a ) ( 4 ) of this section; or ( 3 ) either ( A ) the production, transfer, possession, or use prohibited by this section is in or affects interstate or foreign commerce, including the transfer of a document by electronic means; or ( B ) the means of identification, identification document, false identification document, or document-making implement is transported in the mail in the course of the production, transfer, possession, or use prohibited by this section.
( d ) In this section and section 1028A ( 1 ) the term authentication feature means any hologram, watermark, certification, symbol, code, image, sequence of numbers or letters, or other feature that either individually or in combination with another feature is used by the issuing authority on an identification document, document-making implement, or means of identification to determine if the document is counterfeit, altered, or otherwise falsified ; ( 2 ) the term document-making implement means any implement, impression, template, computer file, computer disc, electronic device, or computer hardware or software, that is specifically configured or primarily used for making an identification document, a false identification document, or another document-making implement ; ( 3 ) the term identification document means a document made or issued by or under the authority of the United States Government, a State , political subdivision of a State, a sponsoring entity of an event designated as a special event of national significance, a foreign government, political subdivision of a foreign government, an international governmental or an international quasi-governmental organization which, when completed with information concerning a particular individual, is of a type intended or commonly accepted for the purpose of identification of individuals ; ( 4 ) the term false identification document means a document of a type intended or commonly accepted for the purposes of identification of individuals that ( A ) is not issued by or under the authority of a governmental entity or was issued under the authority of a governmental entity but was subsequently altered for purposes of deceit ; and ( B ) appears to be issued by or under the authority of the United States Government, a State , a political subdivision of a State, a sponsoring entity of an event designated by the President as a special event of national significance, a foreign government, a political subdivision of a foreign government, or an international governmental or quasi-governmental organization ; ( 5 ) the term false authentication feature means an authentication feature that ( A ) is genuine in origin, but, without the authorization of the issuing authority, has been tampered with or altered for purposes of deceit ; ( B ) is genuine, but has been distributed, or is intended for distribution, without the authorization of the issuing authority and not in connection with a lawfully made identification document, document-making implement, or means of identification to which such authentication feature is intended to be affixed or embedded by the respective issuing authority ; or ( C ) appears to be genuine, but is not ; ( 6 ) the term issuing authority ( A ) means any governmental entity or agency that is authorized to issue identification documents, means of identification, or authentication features ; and ( B ) includes the United States Government, a State, a political subdivision of a State , a sponsoring entity of an event designated by the President as a special event of national significance, a foreign government, a political subdivision of a foreign government, or an international government or quasi-governmental organization ; ( 7 ) the term means of identification means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any ( A ) name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; ( B ) unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; ( C ) unique electronic identification number, address, or routing code ; or ( D ) telecommunication identifying information or access device ( as defined in section 1029 ( e ) ) ; ( 8 ) the term personal identification card means an identification document issued by a State or local government solely for the purpose of identification ; ( 9 ) the term produce includes alter, authenticate, or assemble ; ( 10 ) the term transfer includes selecting an identification document, false identification document, or document-making implement and placing or directing the placement of such identification document, false identification document, or document-making implement on an online location where it is available to others ; ( 11 ) the term State includes any State of the United States, the District of Columbia, the Commonwealth of Puerto Rico , and any other commonwealth , possession, or territory of the United States ; and ( 12 ) the term traffic means ( A ) to transport, transfer, or otherwise dispose of, to another, as consideration for anything of value ; or ( B ) to make or obtain control of with intent to so transport, transfer, or otherwise dispose of.
( e ) This section does not prohibit any lawfully authorized investigative, protective, or intelligence activity of a law enforcement agency of the United States, a State, or a political subdivision of a State, or of an intelligence agency of the United States, or any activity authorized under chapter 224 of this title.
( f ) Attempt and Conspiracy.
Any person who attempts or conspires to commit any offense under this section shall be subject to the same penalties as those prescribed for the offense, the commission of which was the object of the attempt or conspiracy.
( g ) Forfeiture Procedures.
The forfeiture of property under this section, including any seizure and disposition of the property and any related judicial or administrative proceeding, shall be governed by the provisions of section 413 ( other than subsection ( d ) of that section ) of the Comprehensive Drug Abuse Prevention and Control Act of 1970 ( 21 U.S.C. 853 ).
( h ) Forfeiture ; Disposition.
In the circumstance in which any person is convicted of a violation of subsection ( a ), the court shall order, in addition to the penalty prescribed, the forfeiture and destruction or other disposition of all illicit authentication features, identification documents, document-making implements, or means of identification.
( i ) Rule of Construction.
For purpose of subsection ( a ) ( 7 ), a single identification document or false identification document that contains 1 or more means of identification shall be construed to be 1 means of identification.
I did not create this inquiry and when I contacted Transunion WITH THE ID THEFT AFFIDAVIT FORM not ONLY should it have been REMOVED! The credit bureau should have invoked 15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.and 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
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| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Transunion, XXXX, and XXXX continue to report my financial account with XXXX XXXX without my written consent. I have not authorized either company to release my nonpublic information. Each reporting agency is indeed a financial institution that makes a profit from each company to report said information. Due to the monetary gain from the creditor the reporting agencies have a financial gain which makes their interest in this account biased. I have requested the accounting history of this account and neither company has provided such documentary evidence. Each company is required to send an opt out notice to each consumer that gives them the opportunity to opt out of the information being shared. I have not received any such notice from either company. No consumer can be late on an open ended consumer plan either. This makes this report fraudulent.
17 CFR 248.124 - Reasonable opportunity to opt out.
CFR prev | next 248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the XXXX XXXX XXXX XXXX as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the XXXX XXXX XXXX XXXX XXXX ( as in effect on XX/XX/XXXXXXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority XXXX with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
15 U.S. Code 1637 - Open end consumer credit plans U.S. Code Notes prev | next ( a ) Required disclosures by creditor Before opening any account under an open end consumer credit plan, the creditor shall disclose to the person to whom credit is to be extended each of the following items, to the extent applicable : ( 1 ) The conditions under which a finance charge may be imposed, including the time period ( if any ) within which any credit extended may be repaid without incurring a finance charge, except that the creditor may, at his election and without disclosure, impose no such finance charge if payment is received after the termination of such time period. If no such time period is provided, the creditor shall disclose such fact.
( 2 ) The method of determining the balance upon which a finance charge will be imposed.
( 3 ) The method of determining the amount of the finance charge, including any minimum or fixed amount imposed as a finance charge.
( 4 ) Where one or more periodic rates may be used to compute the finance charge, each such rate, the range of balances to which it is applicable, and the corresponding nominal annual percentage rate determined by multiplying the periodic rate by the number of periods in a year.
( 5 ) Identification of other charges which may be imposed as part of the plan, and their method of computation, in accordance with regulations of the Bureau.
( 6 ) In cases where the credit is or will be secured, a statement that a security interest has been or will be taken in ( A ) the property purchased as part of the credit transaction, or ( B ) property not purchased as part of the credit transaction identified by item or type.
( 7 ) A statement, in a form prescribed by regulations of the Bureau of the protection provided by sections 1666 and 1666i of this title to an obligor and the creditors responsibilities under sections 1666a and 1666i of this title. With respect to one billing cycle per calendar year, at intervals of not less than six months or more than eighteen months, the creditor shall transmit such statement to each obligor to whom the creditor is required to transmit a statement pursuant to subsection ( b ) for such billing cycle.
( 8 ) In the case of any account under an open end consumer credit plan which provides for any extension of credit which is secured by the consumers principal dwelling, any information which ( A ) is required to be disclosed under section 1637a ( a ) of this title; and ( B ) the Bureau determines is not described in any other paragraph of this subsection.
( b ) Statement required with each billing cycle The creditor of any account under an open end consumer credit plan shall transmit to the obligor, for each billing cycle at the end of which there is an outstanding balance in that account or with respect to which a finance charge is imposed, a statement setting forth each of the following items to the extent applicable : ( 1 ) The outstanding balance in the account at the beginning of the statement period.
( 2 ) The amount and date of each extension of credit during the period, and a brief identification, on or accompanying the statement of each extension of credit in a form prescribed by the Bureau sufficient to enable the obligor either to identify the transaction or to relate it to copies of sales vouchers or similar instruments previously furnished, except that a creditors failure to disclose such information in accordance with this paragraph shall not be deemed a failure to comply with this part or this subchapter if ( A ) the creditor maintains procedures reasonably adapted to procure and provide such information, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title. In lieu of complying with the requirements of the previous sentence, in the case of any transaction in which the creditor and seller are the same person, as defined by the Bureau, and such persons open end credit plan has fewer than 15,000 accounts, the creditor may elect to provide only the amount and date of each extension of credit during the period and the sellers name and location where the transaction took place if ( A ) a brief identification of the transaction has been previously furnished, and ( B ) the creditor responds to and treats any inquiry for clarification or documentation as a billing error and an erroneously billed amount under section 1666 of this title.
( 3 ) The total amount credited to the account during the period.
( 4 ) The amount of any finance charge added to the account during the period, itemized to show the amounts, if any, due to the application of percentage rates and the amount, if any, imposed as a minimum or fixed charge.
( 5 ) Where one or more periodic rates ma
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I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they " verified it ''. This is the second cfpb complaint that I made for the same issue. They have broken the following federal laws.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 4 ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( C ) or ( D ) of this section in which the court determines that the agency acted in a manner which was intentional or willful, the United States shall be liable to the individual in an amount equal to the sum of
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I XXXX XXXX XXXX, have look at my credit report and see that there are inaccurate reports on my account child support dont not report to credit reporters and by lawful cancellation all contracts and remove theses accounts off my credit profile I will like a contract to show that me a living soul that me and them the other party showed in contact where we both agreed upon on all disclosure must be showed its a invalid contract please remove from my credit report it have hinder me from my future benefits. Please all other spelled name from my credit report I will just like to have my came as showed here XXXX XXXX XXXX, thanks UCC 1-308 without prejudice TN CHILD SUPPORT XXXX XXXX v. XXXX, 520 U.S. 329 ( 1997 ) XXXX, DIRECTOR, ARIZONA DEPARTMENT OF ECONOMIC SECURITY v. XXXX ET AL.
CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT No. 95-1441. Argued January 6, 1997-Decided April 21, 1997 Respondents, five Arizona mothers whose children are eligible for state child support services under Title IV -D of the Social Security Act, filed this 42 U. S. C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV -D provisions creating rights in them that are enforceable through a 1983 action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve " substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of Health and Human Services ( Secretary ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements Held : Title IV-D does not give individuals a federal right to force a state agency to substantially comply with Title IV-D. Pp.340-349.
( a ) A plaintiff seeking 1983 redress must assert the violation of a federal right, not merely of federal law. Golden State Transit Corp. v. Los Angeles, 493 U. S. 103, 106. Three principal factors determine whether a statutory provision creates a privately enforceable right : ( 1 ) whether the plaintiff is an intended beneficiary of the statute ; ( 2 ) whether the plaintiff 's asserted interests are not so vague and amor-phous as to be beyond the competence of the judiciary to enforce ; and ( 3 ) whether the statute imposes a binding obligation on the State. See, e. g., Wilder v. Virginia Hospital Assn., 496 U. S. 498, 509. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under 1983. Dismissal is proper if Congress specifically foreclosed a 1983 remedy, Smith v. Robinson, 468 U. S. 992, 1005, n. 9, 1003, either expressly, by forbidding recourse to 1983 in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual 1983 enforcement, Livadas v. Bradshaw, 512 U. S. 107, 133. pp. 340-341.
( b ) Respondents have not established that Title IV-D gives them individually enforceable federal rights. In prior cases, the Court has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, welldefined claims. See, e. g., Wright v. Roanoke Redevelopment and Housing Authority, 479 U. S. 418, 430. Here, respondents have not identified with particularity the rights they claim, and the Ninth Circuit has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to " substantial compliance '' with Title IV-D in all respects. The statutory " substantial compliance '' requirement, see, e. g., 42 U. S. C. 609 ( a ) ( 8 ) ( 1994 ed., Supp. II ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the Secretary to measure the systemwide performance of a State 's Title IV-D program, allowing her to increase the frequency of audits and reduce the State 's federal grant upon a finding of substantial noncompliance. The Court of Appeals also erred in taking a blanket approach to determining whether Title IV-D creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its " substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this Court does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit did not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their " rights '' were being violated and an injunction forcing petitioner to " substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the District Court to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the 42 U.S. Code 1983 - Civil action for deprivation of rights Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress, except that in any action brought against a judicial officer for an act or omission taken in such officers judicial capacity, injunctive relief shall not be granted unless a declaratory decree was violated or declaratory relief was unavailable. For the purposes of this section, any Act of Congress applicable exclusively to the District of Columbia shall be considered to be a statute of the District of Columbia.
12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are authorized.
The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank.
UCC 3-104. NEGOTIABLE INSTRUMENT.
Primary tabs ( a ) Except as provided in subsections ( c ) and ( d ), " negotiable instrument '' means an unconditional promise or order to pay a fixed amount of money, with or without interest or other charges described in the promise or order, if it : ( 1 ) is payable to bearer or to order at the time it is issued or first comes into possession of a holder ; ( 2 ) is payable on demand or at a definite time; and ( 3 ) does not state any other undertaking or instruction by the person promising or ordering payment to do any act in addition to the payment of money, but the promise or order may contain ( i ) an undertaking or power to give, maintain, or protect collateral to secure payment, ( ii ) an authorization or power to the holder to confess judgment or realize on or dispose of collateral, or ( iii ) a waiver of the benefit of any law intended for the advantage or protection of an obligor.
( b ) " Instrument '' means a negotiable instrument.
( c ) An order that meets all of the requirements of subsection ( a ), except paragraph ( 1 ), and otherwise falls within the definition of " check '' in subsection ( f ) is a negotiable instrument and a check.
( d ) A promise or order other than a check is not an instrument if, at the time it is issued or first comes into possession of a holder, it contains a conspicuous statement, however expressed, to the effect that the promise or order is not negotiable or is not an instrument governed by this Article.
( e ) An instrument is a " note '' if it is a promise and is a " draft '' if it is an order. If an instrument falls within the definition of both " note '' and " draft, '' a person entitled to enforce the instrument may treat it as either.
( f ) " Check '' means ( i ) a draft, other than a documentary draft, payable on demand and drawn on a bank or ( ii ) a cashier 's check or teller 's check. An instrument may be a check even though it is described on its face by another term, such as " money order. '' ( g ) " Cashier 's check '' means a draft with respect to which the drawer and drawee are the same bank or branches of the same bank.
( h ) " Teller 's check '' means a draft drawn by a bank ( i ) on another bank, or ( ii ) payable at or through a bank.
( i ) " Traveler 's check '' means an instrument that ( i ) is payable on demand, ( ii ) is drawn on or payable at or through a bank, ( iii ) is designated by the term " traveler 's check '' or by a substantially similar term, and ( iv ) requires, as a condition to payment, a countersignature by a person whose specimen signature appears on the instrument.
( j ) " Certificate of deposit '' means an instrument containing an acknowledgment by a bank that a sum of money has been received by the bank and a promise by the bank to repay the sum of money. A certificate of deposit is a note of the bank.
UCC 3-601.
Discharge and effect of discharge.
( a ) The obligation of a party to pay the instrument is discharged as stated in this article or by an act or agreement with the party which would discharge an obligation to pay money under a simple contract.
( b ) Discharge of the obligation of a party is not effective against a person acquiring rights of a holder in due course of the instrument without notice of the discharge.
UCC 3-604.
Discharge by cancellation or renunciation.
( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed writing.
( b ) Cancellation or striking out of an indorsement pursuant to subsection ( a ) does not affect the status and rights of a party derived from the indorsement.
UCC 3-603. TENDER OF PAYMENT.
( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract.
( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an indorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates.
( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument.
UCC 3-602. PAYMENT.
( a ) Subject to subsection ( b ), an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person.
( b ) Subject to subsection ( e ) a note is paid to the extent payment is made by or on behalf of a party obliged to pay the note to a person that formerly was entitled to enforce the note only if at the time of the payment the party obliged to pay has not received adequate notification that the note has been transferred and that payment is to be made to the transferee. A notification is adequate only if it is signed by the transferor or the transferee ; reasonably identifies the transferred note ; and provides an address at which payments subsequently can be made. Upon request, a transferee shall seasonably furnish reasonable proof that the note has been transferred. Unless the transferee complies with the request, a payment to the person that formerly was entitled to enforce the note is effective for purposes of subsection ( c ) even if the party obliged to pay the note has received a notification under this paragraph.
( c ) Subject to subsection ( e ), to the extent of a payment under subsections ( a ) and ( b ), the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person.
( d ) Subject to subsection ( e ), a transferee, or any party that has acquired rights in the instrument directly or indirectly from a transferee, including any such party that has rights as a holder in due course, is deemed to have notice of any payment that is made under subsection ( b ) after the date that the note is transferred to the transferee but before the party obliged to pay the note receives adequate notification of the transfer.
( e ) The obligation of a party to pay the instrument is not discharged under subsections ( a ) through ( d ) if : ( 1 ) a claim to the instrument under Section 3-306 is enforceable against the party receiving payment and ( i ) payment is made with knowledge by the payor that payment is prohibited by injunction or similar process of a court of competent jurisdiction, or ( ii ) in the case of an instrument other than a cashier 's check, teller 's check, or certified check, the party making payment accepted, from the person having a claim to the instrument, indemnity against loss resulting from refusal to pay the person entitled to enforce the instrument; or ( 2 ) the person making payment knows that the instrument is a stolen instrument and pays a person it knows is in wrongful possession of the instrument.
( f ) As used in this section, " signed, '' with respect to a record that is not a writing, includes the attachment to or logical association with the record of an electronic symbol, sound, or process to or with the record with the present intent to adopt or accept the record.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
15 U.S. Code 1692i - Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall ( 1 ) in the case of an action to enforce an interest in real property securing the consumers obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collector.
15 U.S. Code 2310 - Remedies in consumer disputes ( a ) Informal dispute settlement procedures ; establishment ; rules setting forth minimum requirements ; effect of compliance by warrantor ; review of informal procedures or implementation by Commission ; application to existing informal procedures ( 1 ) Congress hereby declares it to be its policy to encourage warrantors to establish procedures whereby consumer disputes are fairly and expeditiously settled through informal dispute settlement mechanisms.
( 2 ) The Commission shall prescribe rules setting forth minimum requirements for any informal dispute settlement procedure which is incorporated into the terms of a written warranty to which any provision of this chapter applies. Such rules shall provide for participation in such procedure by independent or governmental entities.
( 3 ) One or more warrantors may establish an informal dispute settlement procedure which meets the requirements of the Commissions rules under paragraph ( 2 ).
If ( A ) a warrantor establishes such a procedure, ( B ) such procedure, and its implementation, meets the requirements of such rules, and ( C ) he incorporates in a written warranty a requirement that the consumer resort to such procedure before pursuing any legal remedy under this section respecting such warranty, then ( i ) the consumer may not commence a civil action ( other than a class action ) under subsection ( d ) of this section unless he initially resorts to such procedure ; and ( ii ) a class of consumers may not proceed in a class action under subsection ( d ) except to the extent the court determines necessary to establish the representative capacity of the named plaintiffs, unless the named plaintiffs ( upon notifying the defendant that they are named plaintiffs in a class action with respect to a warranty obligation ) initially resort to such procedure. In the case of such a class action which is brought in a district court of the United States, the representative capacity of the named plaintiffs shall be established in the application of rule 23 of the Federal Rules of Civil Procedure. In any civil action arising out of a warranty obligation and relating to a matter considered in such a procedure, any decision in such procedure shall be admissible in evidence.
( 4 ) The Commission on its own initiative may, or upon written complaint filed by any interested person shall, review the bona fide operation of any dispute settlement procedure resort to which is stated in a written warranty to be a prerequisite to pursuing a legal remedy under this section. If the Commission finds that such procedure or its implementation fails to comply with the requirements of the rules under paragraph ( 2 ), the Commission may take appropriate remedial action under any authority it may have under this chapter or any other provision of law.
( 5 ) Until rules under paragraph ( 2 ) take effect, this subsection shall not affect the validity of any informal dispute settlement procedure respecting consumer warranties, but in any action under subsection ( d ), the court may invalidate any such procedure if it finds that such procedure is unfair.
( b ) Prohibited acts It shall be a violation of section 45 ( a ) ( 1 ) of this title for any person to fail to comply with any requirement imposed on such person by this chapter ( or a rule thereunder ) or to violate any prohibition contained in this chapter ( or a rule thereunder ).
( c ) Injunction proceedings by Attorney General or Commission for deceptive warranty, noncompliance with requirements, or violating prohibitions ; procedures ; definitions ( 1 ) The district courts of the United States shall have jurisdiction of any action brought by the Attorney General ( in his capacity as such ), or by the Commission by any of its attorneys designated by it for such purpose, to restrain ( A ) any warrantor from making a deceptive warranty with respect to a consumer product, or ( B ) any person from failing to comply with any requirement imposed on such person by or pursuant to this chapter or from violating any prohibition contained in this chapter. Upon proper showing that, weighing the equities and considering the Commissions or Attorney Generals likelihood of ultimate success, such action would be in the public interest and after notice to the defendant, a temporary restraining order or preliminary injunction may be granted without bond. In the case of an action brought by the Commission, if a complaint under section 45 of this title is not filed within such period ( not exceeding 10 days ) as may be specified by the court after the issuance of the temporary restraining order or preliminary injunction, the order or injunction shall be dissolved by the court and be of no further force and effect. Any suit shall be brought in the district in which such person resides or transacts business. Whenever it appears to the court that the ends of justice require that other persons should be parties in the action, the court may cause them to be summoned whether or not they reside in the district in which the court is held, and to that end process may be served in any district.
( 2 ) For the purposes of this subsection, the term deceptive warranty means ( A ) a written warranty which ( i ) contains an affirmation, promise, description, or representation which is either false or fraudulent, or which, in light of all of the circumstances, would mislead a reasonable individual exercising due care; or ( ii ) fails to contain information which is necessary in light of all of the circumstances, to make the warranty not misleading to a reasonable individual exercising due care; or ( B ) a written warranty created by the use of such terms as guaranty or warranty, if the terms and conditions of such warranty so limit its scope and application as to deceive a reasonable individual.
( d ) Civil action by consumer for damages, etc. ; jurisdiction ; recovery of costs and expenses ; cognizable claims ( 1 ) Subject to subsections ( a ) ( 3 ) and ( e ), a consumer who is damaged by the failure of a supplier, warrantor, or service contractor to comply with any obligation under this chapter, or under a written warranty, implied warranty, or service contract, may bring suit for damages and other legal and equitable relief ( A ) in any court of competent jurisdiction in any State or the District of Columbia ; or ( B ) in an appropriate district court of the United States, subject to paragraph ( 3 ) of this subsection.
( 2 ) If a consumer finally prevails in any action brought under paragraph ( 1 ) of this subsection, he may be allowed by the court to recover as part of the judgment a sum equal to the aggregate amount of cost and expenses ( including attorneys fees based on actual time expended ) determined by the court to have been reasonably incurred by the plaintiff for or in connection with the commencement and prosecution of such action, unless the court in its discretion shall determine that such an award of attorneys fees would be inappropriate.
( 3 ) No claim shall be cognizable in a suit brought under paragraph ( 1 ) ( B ) of this subsection ( A ) if the amount in controversy of any individual claim is less than the sum or value of {$25.00} ; ( B ) if the amount in controversy is less than the sum or value of {$50000.00} ( exclusive of interests and costs ) computed on the basis of all claims to be determined in this suit ; or ( C ) if the action is brought as a class action, and the number of named plaintiffs is less than one hundred.
I will like to receive monetary pay it say here for all the damages and stress from my time and free worries and overwhelming stress 15 U.S. Code 2310 - Remedies in consumer disputes ( a ) Informal dispute settlement procedures ; establishment ; rules setting forth minimum requirements ; effect of compliance by warrantor ; review of informal procedures or implementation by Commission ; application to existing informal procedures ( 1 ) Congress hereby declares it to be its policy to encourage warrantors to establish procedures whereby consumer disputes are fairly and expeditiously settled through informal dispute settlement mechanisms.
( 2 ) The Commission shall prescribe rules setting forth minimum requirements for any informal dispute settlement procedure which is incorporated into the terms of a written warranty to which any provision of this chapter applies. Such rules shall provide for participation in such procedure by independent or governmental entities.
( 3 ) One or more warrantors may establish an informal dispute settlement procedure which meets the requirements of the Commissions rules under paragraph ( 2 ). If ( A ) a warrantor establishes such a procedure, ( B ) such procedure, and its implementation, meets the requirements of such rules, and ( C ) he incorporates in a written warranty a requirement that the consumer resort to such procedure before pursuing any legal remedy under this section respecting such warranty, then ( i ) the consumer may not commence a civil action ( other than a class action ) under subsection ( d ) of this section unless he initially resorts to such procedure ; and ( ii ) a class of consumers may not proceed in a class action under subsection ( d ) except to the extent the court determines necessary to establish the representative capacity of the named plaintiffs, unless the named plaintiffs ( upon notifying the defendant that they are named plaintiffs in a class action with respect to a warranty obligation ) initially resort to such procedure. In the case of such a class action which is brought in a district court of the United States, the representative capacity of the named plaintiffs shall be established in the application of rule 23 of the Federal Rules of Civil Procedure. In any civil action arising out of a warranty obligation and relating to a matter considered in such a procedure, any decision in such procedure shall be admissible in evidence.
( 4 ) The Commission on its own initiative may, or upon written complaint filed by any interested person shall, review the bona fide operation of any dispute settlement procedure resort to which is stated in a written warranty to be a prerequisite to pursuing a legal remedy under this section. If the Commission finds that such procedure or its implementation fails to comply with the requirements of the rules under paragraph ( 2 ), the Commission may take appropriate remedial action under any authority it may have under this chapter or any other provision of law.
( 5 ) Until rules under paragraph ( 2 ) take effect, this subsection shall not affect the validity of any informal dispute settlement procedure respecting consumer warranties, but in any action under subsection ( d ), the court may invalidate any such procedure if it finds that such procedure is unfair.
( b ) Prohibited acts It shall be a violation of section 45 ( a ) ( 1 ) of this title for any person to fail to comply with any requirement imposed on such person by this chapter ( or a rule thereunder ) or to violate any prohibition contained in this chapter ( or a rule thereunder ).
( c ) Injunction proceedings by Attorney General or Commission for deceptive warranty, noncompliance with requirements, or violating prohibitions ; procedures ; definitions ( 1 ) The district courts of the United States shall have jurisdiction of any action brought by the Attorney General ( in his capacity as such ), or by the Commission by any of its attorneys designated by it for such purpose, to restrain ( A ) any warrantor from making a deceptive warranty with respect to a consumer product, or ( B ) any person from failing to comply with any requirement imposed on such person by or pursuant to this chapter or from violating any prohibition contained in this chapter. Upon proper showing that, weighing the equities and considering the Commissions or Attorney Generals likelihood of ultimate success, such action would be in the public interest and after notice to the defendant, a temporary restraining order or preliminary injunction may be granted without bond. In the case of an action brought by the Commission, if a complaint under section 45 of this title is not filed within such period ( not exceeding 10 days ) as may be specified by the court after the issuance of the temporary restraining order or preliminary injunction, the order or injunction shall be dissolved by the court and be of no further force and effect. Any suit shall be brought in the district in which such person resides or transacts business. Whenever it appears to the court that the ends of justice require that other persons should be parties in the action, the court may cause them to be summoned whether or not they reside in the district in which the court is held, and to that end process may be served in any district.
( 2 ) For the purposes of this subsection, the term deceptive warranty means ( A ) a written warranty which ( i ) contains an affirmation, promise, description, or representation which is either false or fraudulent, or which, in light of all of the circumstances, would mislead a reasonable individual exercising due care; or ( ii ) fails to contain information which is necessary in light of all of the circumstances, to make
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they have not provided it. Instead they decided to keep reporting this information against my authorization. The following laws were broken by these agencies ; 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I have asked this company to show me proof that I gave them written instructions to report the information on the attached dispute letter and they did not provide. Additionally I requested that they removed that information and it was denied. XXXX honored my request and respected my right to privacy per privacy act of 1974 however XXXX and Transunion did not. They have broken the following federal laws.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
( g ) ( 1 ) Civil Remedies.Whenever any agency ( A ) makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual ; or ( D ) fails to comply with any other provision of this section, or any rule promulgated thereunder, in such a way as to have an adverse effect on an individual, the individual may bring a civil action against the agency, and the district courts of the United States shall have jurisdiction in the matters under the provisions of this subsection.
( 2 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( A ) of this section, the court may order the agency to amend the individuals record in accordance with his request or in such other way as the court may direct. In such a case the court shall determine the matter de novo.
( B ) The court may assess against the United States reasonable attorney fees and other litigation costs reasonably incurred in any case under this paragraph in which the complainant has substantially prevailed.
( 3 ) ( A ) In any suit brought under the provisions of subsection ( g ) ( 1 ) ( B ) of this section, the court may enjoin the agency from withholding the records and order the production to the complainant of any agency records improperly withheld from him. In such a case the court shall determine the matter de novo, and may examine the contents of any agency records in camera to determine whether the records or any portion thereof may be withheld under any of the exemptions set forth in subsection ( k ) of this section, and the burden is on the agency to sustain its action.
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| 12/21/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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My credit report has shown i have XXXX late student loan payments during a government forbearance i was also a part of. They didn't send any communication of a late payment or missing payment and its reported wrong on all of my reports. Per the FCRA as a federally protected consumer i have the legal right to privacy and to OPT OUT of all communications and furnishings to 3rd party companies such as XXXX, Transunion, XXXX, XXXX XXXX ETC. I have reported this several times sent letters emails called and reported through CFPB and the company continues to stall the process. The law states it is ILLEGAL to report transaction HISTORY! Check Facts Below.
Find both laws Broken below in full detail.
15 U.S. Code 1681- Congressional findings and statement of purpose Under Code : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
CFR 313.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15.
( b ) When initial notice to a consumer is not required. You are not required to provide an initial notice to a consumer under paragraph ( a ) of this section if : ( 1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized by 313.14 and 313.15 ; and ( 2 ) You do not have a customer relationship with the consumer.
( c ) When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship.
( 2 ) Special rule for loans. You establish a customer relationship with a consumer when you originate a loan to the consumer for personal, family, or household purposes. If you subsequently transfer the servicing rights to that loan to another financial institution, the customer relationship transfers with the servicing rights.
( XXXX ) Examples ( i ) Examples of establishing a customer relationship. You establish a customer relationship when the consumer : ( A ) Executes the contract to obtain credit from you or purchase insurance from you; or ( B ) Executes the lease for personal property with you.
( ii ) Examples of loan rule. You establish a customer relationship with a consumer who obtains a loan for personal, family, or household purposes when you : ( A ) Originate the loan to the consumer and retain the servicing rights; or ( B ) Purchase the servicing rights to the consumer 's loan.
( d ) Existing customers. When an existing customer obtains a new financial product or service from you that is to be used primarily for personal, family, or household purposes, you satisfy the initial notice requirements of paragraph ( a ) of this section as follows : ( 1 ) You may provide a revised privacy notice, under 313.8, that covers the customer 's new financial product or service; or ( 2 ) If the initial, revised, or annual notice that you most recently provided to that customer was accurate with respect to the new financial product or service, you do not need to provide a new privacy notice under paragraph ( a ) of this section.
( e ) Exceptions to allow subsequent delivery of notice ( 1 ) General. You may provide the initial notice required by paragraph ( a ) ( 1 ) of this section within a reasonable time after you establish a customer relationship if : ( i ) Establishing the customer relationship is not at the customer 's election; or ( ii ) Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction and customer agrees to receive the notice at a later time.
( 2 ) Examples of exceptions ( i ) Substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction when you and the individual agree over the telephone to enter into a customer relationship involving prompt delivery of the financial product or service.
( ii ) No substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would not substantially delay the customer 's transaction when the relationship is initiated in person at your office or through other means by which the customer may view the notice, such as through a website.
( f ) Delivery. When you are required to deliver an initial privacy notice by this section, you must deliver it according to 313.9. If you use a short-form initial notice for non-customers according to 313.6 ( d ), you may deliver your privacy notice according to 313.6 ( d ) ( 3 ).
[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70026, XXXX XXXX, XXXX ] 313.5 Annual privacy notice to customers required.
( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of 12 consecutive months during which that relationship exists. You may define the 12-consecutive-month period, but you must apply it to the customer on a consistent basis.
( 2 ) Example. You provide a notice annually if you define the 12-consecutive-month period as a calendar year and provide the annual notice to the customer once in each calendar year following the calendar year in which you provided the initial notice. For example, if a customer opens an account on any day of year 1, you must provide an annual notice to that customer by XX/XX/XXXX of year XXXX.
( b ) ( 1 ) Termination of customer relationship. You are not required to provide an annual notice to a former customer.
( 2 ) Examples. Your customer becomes a former customer when : ( i ) In the case of a closed-end loan, the customer pays the loan in full, you charge off the loan, or you sell the loan without retaining servicing rights.
( ii ) In the case of mortgage or vehicle loan brokering services, your customer has obtained a loan through you ( and you no longer provide any statements or notices to the customer concerning that relationship ), or has ceased using your services for such purposes.
( iii ) In cases where there is no definitive time at which the customer relationship has terminated, you have not communicated with the customer about the relationship for a period of 12 consecutive months, other than to provide annual privacy notices or promotional material.
( c ) Special rule for loans. If you do not have a customer relationship with a consumer under the special rule for loans in 313.4 ( c ) ( 2 ), then you need not provide an annual notice to that consumer under this section.
( d ) Delivery. When you are required to deliver an annual privacy notice by this section, you must deliver it according to 313.9.
( e ) Exception to annual privacy notice requirement ( 1 ) When exception available. You are not required to deliver an annual privacy notice if you : ( i ) Provide nonpublic personal information to nonaffiliated third parties only in accordance with the provisions of 313.13, 313.14, or 313.15 ; and ( ii ) Have not changed your policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed to the customer under 313.6 ( a ) ( 2 ) through ( 5 ) and ( 9 ) in the most recent privacy notice provided pursuant to this part.
( 2 ) Delivery of annual privacy notice after financial institution no longer meets requirements for exception. If you have been excepted from delivering an annual privacy notice pursuant to paragraph ( e ) ( 1 ) of this section and change your policies or practices in such a way that you no longer meet the requirements for that exception, you must comply with paragraph ( e ) ( 2 ) ( i ) or ( ii ) of this section, as applicable.
( i ) Changes preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 requires you to provide a revised privacy notice, you must provide an annual privacy notice in accordance with the timing requirement in paragraph ( a ) of this section, treating the revised privacy notice as an initial privacy notice.
( ii ) Changes not preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 does not require you to provide a revised privacy notice, you must provide an annual privacy notice within 100 days of the change in your policies or practices that causes you to no longer meet the requirement of paragraph ( e ) ( 1 ).
( iii ) Examples.
( A ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section effective XX/XX/XXXX of year XXXX. Assuming you define the 12-consecutive-month period pursuant to paragraph ( a ) of this section as a calendar year, if you were required to provide a revised privacy notice under 313.8 and you provided that notice on XX/XX/XXXX of year XXXX, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX. If you were not required to provide a revised privacy notice under 313.8, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX.
( B ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section, and so provide an annual notice to your customers. After providing the annual notice to your customers, you once again meet the requirements of paragraph ( e ) ( 1 ) of this section for an exception to the annual notice requirement. You do not need to provide additional annual notice to your customers until such time as you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section.
[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70026, XXXX XXXX, XXXX ] 313.6 Information to be included in privacy notices.
( a ) General rule. The initial, annual, and revised privacy notices that you provide under 313.4, 313.5, and 313.8 must include each of the following items of information that applies to you or to the consumers to whom you send your privacy notice, in addition to any other information you wish to provide : ( 1 ) The categories of nonpublic personal information that you collect ; ( 2 ) The categories of nonpublic personal information that you disclose ; ( 3 ) The categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 4 ) The categories of nonpublic personal information about your former customers that you disclose and the categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information about your former customers, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 5 ) If you disclose nonpublic personal information to a nonaffiliated third party under 313.13 ( and no exception under 313.14 or 313.15 applies to that disclosure ), a separate statement of the categories of information you disclose and the categories of third parties with whom you have contracted ; ( 6 ) An explanation of the consumer 's right under 313.10 ( a ) to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ; ( 7 ) Any disclosures that you make under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) ) ( that is, notices regarding the ability to opt out of disclosures of information among affiliates ) ; ( 8 ) Your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information; and ( 9 ) Any disclosure that you make under paragraph ( b ) of this section.
( b ) Description of nonaffiliated third parties subject to exceptions. If you disclose nonpublic personal information to third parties as authorized under 313.14 and 313.15, you are not required to list those exceptions in the initial or annual privacy notices required by 313.4 and 313.5. When describing the categories with respect to those parties, it is sufficient to state that you make disclosures to other nonaffiliated companies for your everyday business purposes, such as to process transactions, maintain account ( s ), respond to court orders and legal investigations, or report to credit bureaus.
( c ) Examples ( 1 ) Categories of nonpublic personal information that you collect. You satisfy the requirement to categorize the nonpublic personal information that you collect if you list the following categories, as applicable : ( i ) Information from the consumer ; ( ii ) Information about the consumer 's transactions with you or your affiliates ; ( iii ) Information about the consumer 's transactions with nonaffiliated third parties ; and ( iv ) Information from a consumer reporting agency.
( 2 ) Categories of nonpublic personal information you disclose ( i ) You satisfy the requirement to categorize the nonpublic personal information that you disclose if you list the categories described in paragraph ( e ) ( 1 ) of this section, as applicable, and a few examples to illustrate the types of information in each category.
( ii ) If you reserve the right to disclose all of the nonpublic personal information about consumers that you collect, you may simply state that fact without describing the categories or examples of the nonpublic personal information you disclose.
( 3 ) Categories of affiliates and nonaffiliated third parties to whom you disclose. You satisfy the requirement to categorize the affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information if you list them using the following categories, as applicable, and a few applicable examples to illustrate the significant types of third parties covered in each category.
( i ) Financial service providers, followed by illustrative examples such as mortgage bankers, securities broker-dealers, and insurance agents.
( ii ) Non-financial companies, followed by illustrative examples such as retailers, magazine publishers, airlines, and direct marketers ; and ( iii ) Others, followed by examples such as nonprofit organizations.
( 4 ) Disclosures under exception for service providers and joint marketers. If you disclose nonpublic personal information under the exception in 313.13 to a nonaffiliated third party to market products or services that you offer alone or jointly with another financial institution, you satisfy the disclosure requirement of paragraph ( a ) ( 5 ) of this section if you : ( i ) List the categories of nonpublic personal information you disclose, using the same categories and examples you used to meet the requirements of paragraph ( a ) ( 2 ) of this section, as applicable ; and ( ii ) State whether the third party is : ( A ) A service provider that performs marketing services on your behalf or on behalf of you and another financial institution ; or ( B ) A financial institution with whom you have a joint marketing agreement.
( 5 ) Simplified notices. If you do not disclose, and do not wish to reserve the right to disclose, nonpublic personal information about customers or former customers to affiliates or nonaffiliated third parties except as authorized under 313.14 and 313.15, you may simply state that fact, in addition to the information you must provide under paragraphs ( a ) ( 1 ), ( a ) ( 8 ), ( a ) ( 9 ), and ( b ) of this section.
( 6 ) Confidentiality and security. You describe your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information if you do both of the following : ( i ) Describe in general terms who is authorized to have access to the information; and ( ii ) State whether you have security practices and procedures in place to ensure the confidentiality of the information in accordance with your policy. You are not required to describe technical information about the safeguards you use.
( d ) Short-form initial notice with opt out notice for non-customers ( 1 ) You may satisfy the initial notice requirements in 313.4 ( a ) ( 2 ), 313.7 ( b ), and 313.7 ( c ) for a consumer who is not a customer by providing a short-form initial notice at the same time as you deliver an opt out notice as required in 313.7.
( 2 ) A short-form initial notice must : ( i ) Be clear and conspicuous ; ( ii ) State that your privacy notice is available upon request ; and ( iii ) Explain a reasonable means by which the consumer may obtain that notice.
( 3 ) You must deliver your short-form initial notice according to 313.9. You are not required to deliver your privacy notice with your short-form initial notice. You instead may simply provide the consumer a reasonable means to obtain your privacy notice. If a consumer who receives your short-form notice requests your privacy notice, you must deliver your privacy notice according to 313.9.
( 4 ) Examples of obtaining privacy notice. You provide a reasonable means by which a consumer may obtain a copy of your privacy notice if you : ( i ) Provide a toll-free telephone number that the consumer may call to request the notice; or ( ii ) For a consumer who conducts business in person at your office, maintain copies of the notice on hand that you provide to the consumer immediately upon request.
( e ) Future disclosures. Your notice may include : ( 1 ) Categories of nonpublic personal information that you reserve the right to disclose in the future, but do not currently disclose ; and ( 2 ) Categories of affiliates or nonaffiliated third parties to whom you reserve the right in the future to disclose, but to whom you do not currently disclose, nonpublic personal information.
( f ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part.
[ 65 FR 33677, XX/XX/XXXX, as amended at 74 FR 62965, XXXX XXXX, XXXX ] 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) PermiXXXX XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( h ) Delivery. When you are required to deliver an opt out notice by this secti
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XX/XX/XXXX i reached out to each bureau to correct all the inaccurate information as well as reporting information without my consent. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70025, XXXX XXXX, XXXX ] 313.2 Model privacy form and examples.
( a ) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the instructions in appendix A, constitutes compliance with the notice content requirements of 313.6 and 313.7 of this part, although use of the model privacy form is not required.
( b ) Examples. The examples in this part are not exclusive. Compliance with an example, to the extent applicable, constitutes compliance with this part.
[ 74 FR 62965, XXXX XXXX, XXXX ] 313.3 Definitions.
As used in this part, unless the context requires otherwise : ( a ) Affiliate means any company that controls, is controlled by, or is under common control with another company.
( b ) ( 1 ) Clear and conspicuous means that a notice is reasonably understandable and designed to call attention to the nature and significance of the information in the notice.
( 2 ) Examples ( i ) Reasonably understandable. You make your notice reasonably understandable if you : ( A ) Present the information in the notice in clear, concise sentences, paragraphs, and sections ; ( B ) Use short explanatory sentences or bullet lists whenever possible ; ( C ) Use definite, concrete, everyday words and active voice whenever possible ; ( D ) Avoid multiple negatives ; ( E ) Avoid legal and highly technical business terminology whenever possible ; and ( F ) Avoid explanations that are imprecise and readily subject to different interpretations.
( ii ) Designed to call attention. You design your notice to call attention to the nature and significance of the information in it if you : ( A ) Use a plain-language heading to call attention to the notice ; ( B ) Use a typeface and type size that are easy to read ; ( C ) Provide wide margins and ample line spacing ; ( D ) Use boldface or italics for key words ; and ( E ) In a form that combines your notice with other information, use distinctive type size, style, and graphic devices, such as shading or sidebars, when you combine your notice with other information.
( iii ) Notices on web sites. If you provide a notice on a web page, you design your notice to call attention to the nature and significance of the information in it if you use text or visual cues to encourage scrolling down the page if necessary to view the entire notice and ensure that other elements on the web site ( such as text, graphics, hyperlinks, or sound ) do not distract attention from the notice, and you either : ( A ) Place the notice on a screen that consumers frequently access, such as a page on which transactions are conducted ; or ( B ) Place a link on a screen that consumers frequently access, such as a page on which transactions are conducted, that connects directly to the notice and is labeled appropriately to convey the importance, nature and relevance of the notice.
( c ) Collect means to obtain information that you organize or can retrieve by the name of an individual or by identifying number, symbol, or other identifying particular assigned to the individual, irrespective of the source of the underlying information.
( d ) Company means any corporation, limited liability company, business trust, general or limited partnership, association, or similar organization.
( e ) ( 1 ) Consumer means an individual who obtains or has obtained a financial product or service from you that is to be used primarily for personal, family, or household purposes, or that individual 's legal representative.
( 2 ) For example : ( i ) An individual who applies to you for credit for personal, family, or household purposes is a consumer of a financial service, regardless of whether the credit is extended.
( ii ) An individual who provides nonpublic personal information to you in order to obtain a determination about whether he or she may qualify for a loan to be used primarily for personal, family, or household purposes is a consumer of a financial service, regardless of whether the loan is extended.
( iii ) If you hold ownership or servicing rights to an individual 's loan that is used primarily for personal, family, or household purposes, the individual is your consumer, even if you hold those rights in conjunction with one or more other institutions. ( The individual is also a consumer with respect to the other financial institutions involved. ) An individual who has a loan in which you have ownership or servicing rights is your consumer, even if you, or another institution with those rights, hire an agent to collect on the loan.
( iv ) An individual who is a consumer of another financial institution is not your consumer solely because you act as agent for, or provide processing or other services to, that financial institution.
( v ) An individual is not your consumer solely because he or she is a participant or a beneficiary of an employee benefit plan that you sponsor or for which you act as a trustee or fiduciary.
( f ) Consumer reporting agency has the same meaning as in section 603 ( f ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( f ) ).
( g ) Control of a company means : ( 1 ) Ownership, control, or power to vote 25 percent or more of the outstanding shares of any class of voting security of the company, directly or indirectly, or acting through one or more other persons ; ( 2 ) Control in any manner over the election of a majority of the directors, trustees, or general partners ( or individuals exercising similar functions ) of the company; or ( 3 ) The power to exercise, directly or indirectly, a controlling influence over the management or policies of the company.
( h ) Customer means a consumer who has a customer relationship with you.
( i ) ( 1 ) Customer relationship means a continuing relationship between a consumer and you under which you provide one or more financial products or services to the consumer that are to be used primarily for personal, family, or household purposes.
( 2 ) For example : ( i ) Continuing relationship. A consumer has a continuing relationship with you if the consumer : ( A ) Has a credit or investment account with you ; ( B ) Obtains a loan from you ; ( C ) Purchases an insurance product from you ; ( D ) Enters into an agreement or understanding with you whereby you undertake to arrange or broker a home mortgage loan, or credit to purchase a vehicle, for the consumer ; ( E ) Enters into a lease of personal property on a non-operating basis with you ; or ( F ) Has a loan for which you own the servicing rights.
( ii ) No continuing relationship. A consumer does not, however, have a continuing relationship with you if : ( A ) The consumer obtains a financial product or service from you only in isolated transactions, such as cashing a check with you or making a wire transfer through you ; ( B ) You sell the consumer 's loan and do not retain the rights to service that loan ; or ( C ) The consumer obtains one-time personal appraisal services from you.
( j ) Federal functional regulator means : ( 1 ) The Board of Governors of the Federal Reserve System ; ( 2 ) The Office of the Comptroller of the Currency ; ( 3 ) The Board of Directors of the Federal Deposit Insurance Corporation ; ( 4 ) The National Credit Union Administration Board ; and ( 5 ) The Securities and Exchange Commission.
( k ) ( 1 ) Financial institution means any institution the business of which is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ). An institution that is significantly engaged in financial activities, or significantly engaged in activities incidental to such financial activities, is a financial institution.
( 2 ) An example of a financial institution is an automobile dealership that, as a usual part of its business, leases automobiles on a nonoperating basis for longer than 90 days is a financial institution with respect to its leasing business because leasing personal property on a nonoperating basis where the initial term of the lease is at least 90 days is a financial activity listed in 12 CFR 225.28 ( b ) ( 3 ) and referenced in section 4 ( k ) ( 4 ) ( F ) of the Bank Holding Company Act.
( 3 ) Financial institution does not include entities that engage in financial activities but that are not significantly engaged in those financial activities.
( 4 ) An example of entities that are not significantly engaged in financial activities is a motor vehicle dealer is not a financial institution merely because it accepts payment in the form of cash, checks, or credit cards that it did not issue.
( l ) ( 1 ) Financial product or service means any product or service that a financial holding company could offer by engaging in a financial activity under section 4 ( k ) of the Bank Holding Company Act of 1956 ( 12 U.S.C. 1843 ( k ) ).
( 2 ) Financial service includes your evaluation or brokerage of information that you collect in connection with a request or an application from a consumer for a financial product or service.
( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third party includes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).
( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
( 2 ) Nonpublic personal information does not include : ( i ) Publicly available information, except as included on a list described in paragraph ( n ) ( 1 ) ( ii ) of this section; or ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any personally identifiable financial information that is not publicly available.
( 3 ) Examples of lists ( i ) Nonpublic personal information includes any list of individuals ' names and street addresses that is derived in whole or in part using personally identifiable financial information ( that is not publicly available ), such as account numbers.
( ii ) Nonpublic personal information does not include any list of individuals ' names and addresses that contains only publicly available information, is not derived, in whole or in part, using personally identifiable financial information that is not publicly available, and is not disclosed in a manner that indicates that any of the individuals on the list is a consumer of a financial institution.
( o ) ( 1 ) Personally identifiable financial information means any information : ( i ) A consumer provides to you to obtain a financial product or service from you ; ( ii ) About a consumer resulting from any transaction involving a financial product or service between you and a consumer; or ( iii ) You otherwise obtain about a consumer in connection with providing a financial product or service to that consumer.
( 2 ) Examples ( i ) Information included. Personally identifiable financial information includes : ( A ) Information a consumer provides to you on an application to obtain a loan, credit card, or other financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that an individual is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about your consumer if it is disclosed in a manner that indicates that the individual is or has been your consumer ; ( E ) Any information that a consumer provides to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a credit account ; ( F ) Any information you collect through an Internet cookie ( an information collecting device from a web server ) ; and ( G ) Information from a consumer report.
( ii ) Information not included. Personally identifiable financial information does not include : ( A ) A list of names and addresses of customers of an entity that is not a financial institution ; and ( B ) Information that does not identify a consumer, such as aggregate information or blind data that does not contain personal identifiers such as account numbers, names, or addresses.
( p ) ( 1 ) Publicly available information means any information that you have a reasonable basis to believe is lawfully made available to the general public from : ( i ) Federal, State, or local government records ; ( ii ) Widely distributed media ; or ( iii ) Disclosures to the general public that are required to be made by Federal, State, or local law.
( 2 ) Reasonable basis. You have a reasonable basis to believe that information is lawfully made available to the general public if you have taken steps to determine : ( i ) That the information is of the type that is available to the general public; and ( ii ) Whether an individual can direct that the information not be made available to the general public and, if so, that your consumer has not done so.
( 3 ) Examples ( i ) Government records. Publicly available information in government records includes information in government real estate records and security interest filings.
( ii ) Widely distributed media. Publicly available information from widely distributed media includes information from a telephone book, a television or radio program, a newspaper, or a web site that is available to the general public on an unrestricted basis. A web site is not restricted merely because an Internet service provider or a site operator requires a fee or a password, so long as access is available to the general public.
( iii ) Reasonable basis ( A ) You have a reasonable basis to believe that mortgage information is lawfully made available to the general public if you have determined that the information is of the type included on the public record in the jurisdiction where the mortgage would be recorded.
( B ) You have a reasonable basis to believe that an individual 's telephone number is lawfully made available to the general public if you have located the telephone number in the telephone book or the consumer has informed you that the telephone number is not unlisted.
( q ) You includes each financial institution over which the Commission has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act ( 15 U.S.C. 6804 ( a ) ( 1 ) ( C ) ).
[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70025, XXXX XXXX, XXXX ] Subpart APrivacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15.
( b ) When initial notice to a consumer is not required. You are not required to provide an initial notice to a consumer under paragraph ( a ) of this section if : ( 1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized by 313.14 and 313.15 ; and ( 2 ) You do not have a customer relationship with the consumer.
( c ) When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship.
( 2 ) Special rule for loans. You establish a customer relationship with a consumer when you originate a loan to the consumer for personal, family, or household purposes. If you subsequently transfer the servicing rights to that loan to another financial institution, the customer relationship transfers with the servicing rights.
( 3 ) Examples ( i ) Examples of establishing a customer relationship. You establish a customer relationship when the consumer : ( A ) Executes the contract to obtain credit from you or purchase insurance from you; or ( B ) Executes the lease for personal property with you.
( ii ) Examples of loan rule. You establish a customer relationship with a consumer who obtains a loan for personal, family, or household purposes when you : ( A ) Originate the loan to the consumer and retain the servicing rights; or ( B ) Purchase the servicing rights to the consumer 's loan.
( d ) Existing customers. When an existing customer obtains a new financial product or service from you that is to be used primarily for personal, family, or household purposes, you satisfy the initial notice requirements of paragraph ( a ) of this section as follows : ( 1 ) You may provide a revised privacy notice, under 313.8, that covers the customer 's new financial product or service; or ( 2 ) If the initial, revised, or annual notice that you most recently provided to that customer was accurate with respect to the new financial product or service, you do not need to provide a new privacy notice under paragraph ( a ) of this section.
( e ) Exceptions to allow subsequent delivery of notice ( 1 ) General. You may provide the initial notice required by paragraph ( a ) ( 1 ) of this section within a reasonable time after you establish a customer relationship if : ( i ) Establishing the customer relationship is not at the customer 's election; or ( ii ) Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction and customer agrees to receive the notice at a later time.
( 2 ) Examples of exceptions ( i ) Substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction when you and the individual agree over the telephone to enter into a customer relationship involving prompt delivery of the financial product or service.
( ii ) No substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would not substantially delay the customer 's transaction when the relationship is initiated in person at your office or through other means by which the customer may view the notice, such as through a website.
( f ) Delivery. When you are required to deliver an initial privacy notice by this section, you must deliver it according to 313.9. If you use a short-form initial notice for non-customers according to 313.6 ( d ), you may deliver your privacy notice according to 313.6 ( d ) ( 3 ).
[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70026, XXXX XXXX, XXXX ] 313.5 Annual privacy notice to customers required.
( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of 12 consecutive months during which that relationship exists. You may define the 12-consecutive-month period, but you must apply it to the customer on a consistent basis.
( 2 ) Example. You provide a notice annually if you define the 12-consecutive-month period as a calendar year and provide the annual notice to the customer once in each calendar year following the calendar year in which you provided the initial notice. For example, if a customer opens an account on any day of year XXXX, you must provide an annual notice to that customer by XX/XX/XXXX of year XXXX.
( b ) ( 1 ) Termination of customer relationship. You are not required to provide an annual notice to a former customer.
( 2 ) Examples. Your customer becomes a former customer when : ( i ) In the case of a closed-end loan, the customer pays the loan in full, you charge off the loan, or you sell the loan without retaining servicing rights.
( ii ) In the case of mortgage or vehicle loan brokering services, your customer has obtained a loan through you ( and you no longer provide any statements or notices to the customer concerning that relationship ), or has ceased using your services for such purposes.
( iii ) In cases where there is no definitive time at which the customer relationship has terminated, you have not communicated with the customer about the relationship for a period of 12 consecutive months, other than to provide annual privacy notices or promotional material.
( c ) Special rule for loans. If you do not have a customer relationship with a consumer under the special rule for loans in 313.4 ( c ) ( 2 ), then you need not provide an annual notice to that consumer under this section.
( d ) Delivery. When you are required to deliver an annual privacy notice by this section, you must deliver it according to 313.9.
( e ) Exception to annual privacy notice requirement ( 1 ) When exception available. You are not required to deliver an annual privacy notice if you : ( i ) Provide nonpublic personal information to nonaffiliated third parties only in accordance with the provisions of 313.13, 313.14, or 313.15 ; and ( ii ) Have not changed your policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed to the customer under 313.6 ( a ) ( 2 ) through ( 5 ) and ( 9 ) in the most recent privacy notice provided pursuant to this part.
( 2 ) Delivery of annual privacy notice after financial institution no longer meets requirements for exception. If you have been excepted from delivering an annual privacy notice pursuant to paragraph ( e ) ( 1 ) of this section and change your policies or practices in such a way that you no longer meet the requirements for that exception, you must comply with paragraph ( e ) ( 2 ) ( i ) or ( ii ) of this section, as applicable.
( i ) Changes preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 requires you to provide a revised privacy notice, you must provide an annual privacy notice in accordance with the timing requirement in paragraph ( a ) of this section, treating the revised privacy notice as an initial privacy notice.
( ii ) Changes not preceded by a revised privacy notice. If you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section because you change your policies or practices in such a way that 313.8 does not require you to provide a revised privacy notice, you must provide an annual privacy notice within 100 days of the change in your policies or practices that causes you to no longer meet the requirement of paragraph ( e ) ( 1 ).
( iii ) Examples.
( A ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section effective XX/XX/XXXX of year XXXX. Assuming you define the 12-consecutive-month period pursuant to paragraph ( a ) of this section as a calendar year, if you were required to provide a revised privacy notice under 313.8 and you provided that notice on XX/XX/XXXX of year XXXX, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX. If you were not required to provide a revised privacy notice under 313.8, you must provide an annual privacy notice by XX/XX/XXXX of year XXXX.
( B ) You change your policies and practices in such a way that you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section, and so provide an annual notice to your customers. After providing the annual notice to your customers, you once again meet the requirements of paragraph ( e ) ( 1 ) of this section for an exception to the annual notice requirement. You do not need to provide additional annual notice to your customers until such time as you no longer meet the requirements of paragraph ( e ) ( 1 ) of this section.
[ 65 FR 33677, XX/XX/XXXX, as amended at 86 FR 70026, XXXX XXXX, XXXX ] 313.6 Information to be included in privacy notices.
( a ) General rule. The initial, annual, and revised privacy notices that you provide under 313.4, 313.5, and 313.8 must include each of the following items of information that applies to you or to the consumers to whom you send your privacy notice, in addition to any other information you wish to provide : ( 1 ) The categories of nonpublic personal information that you collect ; ( 2 ) The categories of nonpublic personal information that you disclose ; ( 3 ) The categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 4 ) The categories of nonpublic personal information about your former customers that you disclose and the categories of affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information about your former customers, other than those parties to whom you disclose information under 313.14 and 313.15 ; ( 5 ) If you disclose nonpublic personal information to a nonaffiliated third party under 313.13 ( and no exception under 313.14 or 313.15 applies to that disclosure ), a separate statement of the categories of information you disclose and the categories of third parties with whom you have contracted ; ( 6 ) An explanation of the consumer 's right under 313.10 ( a ) to opt out of the disclosure of nonpublic personal information to nonaffiliated third parties, including the method ( s ) by which the consumer may exercise that right at that time ; ( 7 ) Any disclosures that you make under section 603 ( d ) ( 2 ) ( A ) ( iii ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( iii ) ) ( that is, notices regarding the ability to opt out of disclosures of information among affiliates ) ; ( 8 ) Your policies and practices with respect to protecting the confidentiality and security of nonpublic personal information; and ( 9 ) Any disclosure that you make under paragraph ( b ) of this section.
( b ) Description of nonaffiliated third parties subject to exceptions. If you disclose nonpublic personal information to third parties as authorized under 313.14 and 313.15, you are not required to list those exceptions in the initial or annual privacy notices required by 313.4 and 313.5. When describing the categories with respect to those parties, it is sufficient to state that you make disclosures to other nonaffiliated companies for your everyday business purposes, such as to process transactions, maintain account ( s ), respond to court orders and legal investigations, or report to credit bureaus.
( c ) Examples ( 1 ) Categories of nonpublic personal information that you collect. You satisfy the requirement to categorize the nonpublic personal information that you collect if you list the following categories, as applicable : ( i ) Information from the consumer ; ( ii ) Information about the consumer 's transactions with you or your affiliates ; ( iii ) Information about the consumer 's transactions with nonaffiliated third parties ; and ( iv ) Information from a consumer reporting agency.
( 2 ) Categories of nonpublic personal information you disclose ( i ) You satisfy the requirement to categorize the nonpublic personal information that you disclose if you list the categories described in paragraph ( e ) ( 1 ) of this section, as applicable, and a few examples to illustrate the types of information in each category.
( ii ) If you reserve the right to disclose all of the nonpublic personal information about consumers that you collect, you may simply state that fact without describing the categories or examples of the nonpublic personal information you disclose.
( 3 ) Categories of affiliates and nonaffiliated third parties to whom you disclose. You satisfy the requirement to categorize the affiliates and nonaffiliated third parties to whom you disclose nonpublic personal information if you list them using the following categories, as applicable, and a few applicable examples to illustrate the significant types of third parties covered in each category.
( i ) Financial service providers, followed by illustrative examples such as mortgage bankers, securities broker-dealers, and insurance agents.
( ii ) Non-financial companies, followed by illustrative examples such as retailers, magazine publishers, airlines, and direct marketers ; and ( iii ) Others, follow
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XXXX XXXX XXXX XXXX is releasing my nonpublic information to the reporting agencies without my expressed written consent. Transunion and XXXX are both financial institutions that make a profit from selling my information. Since this is my financial information I am entitled to the proceeds of this sale. I have asked for the accounting records from XXXX XXXX, Transunion, and XXXX neither have provided the records. Furthermore each financial institution is required to provide me with an opt out notice each month so I have the right to opt out of my nonpublic financial information being shared.
17 CFR 248.124 - Reasonable opportunity to opt out.
CFR prev | next 248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
The purpose of these regulations is to prescribe responsibilities, rules, guidelines, and policies and procedures to implement the Privacy Act of 1974 ( Pub. L. 93579, as amended ; 5 U.S.C. 552a ) to assure that personal information about individuals collected by the United States Section is limited to that which is legally authorized and necessary and is maintained in a manner which precludes unwarranted intrusions upon individual privacy. Further, these regulations establish procedures by which an individual can : ( a ) Determine if the United States Section maintains records or a system of records which includes a record pertaining to the individual and ( b ) gain access to a record pertaining to him or her for the purpose of review, amendment or correction.
1101.2 Definitions.
For the purpose of these regulations : ( a ) Act means the Privacy Act of 1974.
( b ) Agency is defined to include any executive department, military department, Government corporation, Government controlled corporation or other establishment in the executive branch of the Government ( including the Executive Office of the President, or any independent regulatory agency ) ( 5 U.S.C. 552 ) ).
( c ) Commission means the International Boundary and Water Commission, United States and Mexico.
( d ) Commissioner means head of the United States Section, International Boundary and Water Commission, United States and Mexico.
( e ) Individual means a citizen of the United States or an alien lawfully admitted for permanent residence.
( f ) Maintain includes maintain, collect, use, or disseminate.
( g ) Record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph.
( h ) Routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it is collected.
( i ) Section means the United States Section, International Boundary and Water Commission, United States and Mexico.
( j ) Statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by 13 U.S.C. 8 ( Census data ).
( k ) System of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual.
1101.3 General policy : Collection and use of personal information.
( a ) Heads of Divisions, Branches, and the projects shall ensure that all Section personnel subject to their supervision are advised of the provisions of the Act, including the criminal penalties and civil liabilities provided therein, and that Section personnel are made aware of their responsibilities to protect the security of personal information, to assure its accuracy, relevance, timeliness and completeness, to avoid unauthorized disclosure either orally or in writing, and to ensure that no system of records concerning individuals, no matter how small or specialized, is maintained without public notice.
( b ) Section personnel shall : ( 1 ) Collect no information of a personal nature from individuals unless authorized to collect it to achieve a function or carry out a responsibility or function of the Section.
( 2 ) Collect from individuals only that information which is necessary to Section responsibilities or functions ; ( 3 ) Collect information, wherever possible, directly from the individual to whom it relates ; ( 4 ) Inform individuals from whom information is collected of the authority for collection, the purpose thereof, the uses that will be made of the information, and the effects, both legal and practical, of not furnishing the information ; ( 5 ) Neither collect, maintain, use nor disseminate information concerning an individual 's religious or political beliefs or activities or his membership in associations or organizations, unless ( i ) the individual has volunteered such information for his own benefit ; ( ii ) the information is expressly authorized by statute to be collected, maintained, used or disseminated ; or ( iii ) the activities involved are pertinent to and within the scope of an authorized investigation or adjudication activity ; ( 6 ) Advise an individual 's supervisors of the existence or contemplated development of any system of records which retrieves information about individuals by individual identified ; ( 7 ) Maintain an accounting of all disclosures of information to other than Section personnel ; ( 8 ) Disclose no information concerning individuals to other than Section personnel except when authorized by the Act or pursuant to a routine use published in the Federal Register ; ( 9 ) Maintain and process information concerning individuals with care in order to ensure that no inadvertent disclosure of the information is made to other than Section personnel ; and ( 10 ) Call to the attention of the PA Officer any information in a system maintained by the Section which is not authorized to be maintained under the provisions of the Act, including information on First Amendment activities, information that is inaccurate, irrelevant or so incomplete as to risk unfairness to the individual concerned.
( c ) The system of records maintained by the Section shall be reviewed annually by the PA Officer to ensure compliance with the provisions of the Act.
( d ) Information which may be used in making determinations about an individual 's rights, benefits, and privileges shall, to the greatest extent practicable, be collected directly from that individual. In deciding whether collection of information from an individual, as opposed to a third party source, is practicable, the following criteria, among others, may be considered : ( 1 ) Whether the nature of the information sought is such that it can only be obtained from a third party ; ( 2 ) Whether the cost of collecting the information from the individual is unreasonable when compared with the cost of collecting it from a third party ; ( 3 ) Whether there is a risk that information requested from the third parties, if inaccurate, could result in an adverse determination to the individual concerned; ( 4 ) Whether the information, if supplied by the individual, would have to be verified by a third party; or ( 5 ) Whether provisions can be made for verification by the individual of information collected from third parties.
( e ) Employees whose duties require handling of records subject to the Act shall, at all times, take care to protect the integrity, security and confidentiality of these records.
( f ) No employee of the section may alter or destroy a record subject to the Act unless ( 1 ) such alteration or destruction is properly undertaken in the course of the employee 's regular duties or ( 2 ) such alteration or destruction is required by a decision of the Commissioner or the decision of a court of competent jurisdiction.
1101.4 Reports on new systems of records ; computer matching programs.
( a ) Before establishing any new systems of records, or making any significant change in a system of records, the Section shall provide adequate advance notice to : ( 1 ) The Committee on Government Operations of the House of Representatives ; ( 2 ) The Committee on Governmental Affairs of the Senate ; and ( 3 ) The Office of Management and Budget.
( b ) Before participating in any computerized information matching program, as that term is defined by 5 U.S.C. 552a ( a ) ( 8 ) the Section will comply with the provisions of 5 U.S.C. 552a ( o ), and will provide adequate advance notice as described in 1101.4 ( a ) above.
1101.5 Security, confidentiality and protection of records.
( a ) The Act requires that records subject to the Act be maintained with appropriate administrative, technical and physical safeguards to ensure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience or unfairness to any individual on whom information is maintained.
( b ) When maintained in manual form ( typed, printed, handwritten, etc. ) records shall be maintained, at a minimum, subject to the following safeguards, or safeguards affording comparable protection : ( 1 ) Areas in which the records are maintained or regularly used shall be posted with an appropriate warning stating that access to the records is limited to authorized persons. The warning shall also summarize the requirements of 1101.3 and state that the Act contains a criminal penalty for the unauthorized dislosure of records to which it applies.
( 2 ) During working hours : ( i ) The area in which the records are maintained or regularly used shall be occupied by authorized personnel or ( ii ) access to the records shall be restricted by their storage in locked metal file cabinets or a locked room.
( 3 ) During non-working hours, access to the records shall be restricted by their storage in locked metal file cabinets or a locked room.
( 4 ) Where a locked room is the method of security provided for a system, that security shall be supplemented by : ( i ) Providing lockable file cabinets or containers for the records or ( ii ) changing the lock or locks for the room so that they may not be opened with a master key. For purposes of this paragraph, a master key is a key which may be used to open rooms other than the room containing records subject to the Act, unless those rooms are utilized by officials or employees authorized to have access to the records subject to the Act.
( 5 ) Personnel handling personal information during routine use will ensure that the information is properly controlled to prevent unintentional or unauthorized disclosure. Such information will be used, held, or stored only where facilities or conditions are adequate to prevent unauthorized or unintentional disclosure.
( c ) When the records subject to the Act are maintained in computerized form, safeguards shall be utilized based on those recommended in the National Bureau of Standard 's booklet Computer Security Guidelines for Implementing the Privacy Act of 1974 ( XX/XX/XXXX ), and any supplements thereto, which are adequate and appropriate to assuring the integrity of the records.
XXXX Requests for access to records.
( a ) Any individual XXXX submit an inquiry to the Section to ascertain whether a system of records contains a record pertaining to him or her.
( b ) The inquiry should be made either in person or by mail addressed to the PA Officer, United States XXXX, International Boundary and Water Commission, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. The PA XXXX shall provide assistance to the individual making the inquiry to assure the timely identification of the appropriate systems of records. The office of the PA XXXX is located in XXXX XXXX and is open to an individual between the hours of XXXX XXXX XXXX XXXX XXXX Monday through Friday ( excluding holidays ).
( c ) Inquiries submitted by mail should be marked PRIVACY ACT REQUEST on the bottom left-hand corner of the envelope.
( d ) The letter should state that the request is being made under the Privacy Act.
( e ) Inquiries concerning whether a system of records contains a record pertaining to an individual should contain the following : ( 1 ) Name, address and telephone number ( optional ) of the individual making the inquiry ; ( 2 ) Name, address and telephone number ( optional ) of the individual to whom the record pertains, if the inquiring individual is either the parent of a minor or the legal guardian of the individual to whom a record pertains ; ( 3 ) A certified or authenticated copy of documents establishing parentage or guardianship ; ( 4 ) Whether the individual to whom the record pertains is a citizen of the United States or an alien lawfully admitted for permanent residence into the United States ; ( 5 ) Name of the system of records, as published in the Federal Register ; ( 6 ) Location of the system of records, as published in the Federal Register ; ( 7 ) Such additional information as the individual believes will or might assist the Section in responding to the inquiry and in verifying the individual 's identity ( for example : date of birth, place of birth, names of parents, place of work, dates of employment, position title, etc. ) ; ( 8 ) Date of inquiry ; and ( 9 ) Signature of the requester.
The Section reserves the right to require compliance with the identification procedures appearing at paragraph ( f ) of this section where conditions warrant.
( f ) The requirement for identification of individuals seeking access to records are as follows : ( 1 ) In person : Each individual making a request in person shall be required to present satisfactory proof of identity. The means of proof, in the order of preference and priority, are : ( i ) A document bearing the individual 's photograph ( for example, driver 's license, passport or military or civilian identification card ) ; ( ii ) A document bearing the individual 's signature, preferably issued for participation in a federally sponsored program ( for example, Social Security card, unemployment insurance book, employer 's identification card, national credit card and professional, craft or union membership card ) ; and ( iii ) A document bearing either the photograph or the signature of the individual, preferably issued for participation in a federally sponsored program ( for example, Medicaid card ). In the event the individual can provide no suitable documentation of identity, the Section will require a signed statement asserting the individual 's identity and stipulating that the individual understands the penalty provision of 5 U.S.C. 552a ( i ) ( 3 ).
( 2 ) Not in person : If the individual making a request does not appear in person before the PA Officer, a certificate of a notary public or equivalent officer empowered to administer oaths must accompany the request.
( XXXX ) Parents of minors and legal guardians : An individual acting as the parent of a minor or the legal guardian of the individual or an heir or legal representative of a deceased person to whom a record pertains shall establish his or her personal identity in the manner prescribed in either paragraph ( f ) ( 1 ) or ( 2 ) of this section. In addition, such individual shall establish his or her identity in the representative capacity of parent or legal guardian. In the case of the parent of a minor, the proof of identity shall be a certified or authenticated copy of the minor 's birth certificate. In the case of a legal guardian of an individual who has been declared incompetent due to physical or mental incapacity or age by a court of competent jurisdiction, the proof of identity shall be a certified or authenticated copy of the court 's order. A parent or legal guardian may act only for a living individual, not for a decedent. A parent or legal guardian may be accompanied during personal access to a record by another individual, provided the requirements of paragraph ( f ) of 1101.7 are satisfied. In the case of an heir or legal representative of a deceased person the proof of identity shall be a certified copy of the Will, if any ; the order of a court of competent jurisdiction admitting the Will to probate ; the order of a court of competent jurisdiction appointing an executor, executrix, or administrator ; a letter of administration ; or any other documentary evidence which establishes the identity of the individual as an heir or legal representative of a deceased person.
( g ) When the provisions of this part are alleged to have the effect of impeding an individual in exercising his or her right to access, the Section will consider, from an individual making a request, alternative suggestions regarding proof of identity and access to records.
( h ) An inquiry which is not addressed as specified in paragraph ( b ) of this section or which is not marked as specified in paragraph ( c ) of this section will be so addressed and marked by the Section 's personnel and forwarded immediately to the PA Officer. An inquiry which is not properly addressed by the individual will not be deemed to have been received for purposes of measuring time periods for response until forwarding of the inquiry to the PA Officer has been effected. In each instance when an inquiry so forwarded is received, the PA Officer shall notify the individual that his or her inquiry was improperly addressed and the date when the inquiry was received at the proper address.
( i ) Each inquiry received shall be acted upon promptly by the PA Officer. Although there is no fixed time when an agency must respond to a request for access to records under the Act, every effort will be made to respond within ten ( 10 ) days ( excluding Saturdays, Sundays and holidays ) of the date of receipt. If a response can not be made within ten ( 10 ) days, the PA Officer shall send an acknowledgment during that period providing information on the status of the inquiry and asking for such further information as may be necessary to process the inquiry. Every effort will be made to provide the requested records within thirty ( 30 ) days.
( j ) An individual shall not be required to state a reason or otherwise justify his or her inquiry.
1101.7 Disclosure of records to individuals who are subjects of those records.
( a ) Each request received shall be acted upon promptly by the PA Officer. Every effort will be made to respond within ten ( 10 ) days ( excluding Saturdays, Sundays, and holidays ) of the date of receipt. If a response can not be made within ten ( 10 ) days due to unusual circumstances, the PA Officer shall send an acknowledgment during that period providing information on the status of the request and asking for such further information as may be necessary to process the request. Every effort will be made to provide the requested records within thirty ( 30 ) days. Unusual circumstances shall include circumstances where a search for and collection of requested records from inactive storage, field facilities or other establishments are required, cases where a voluminous amount of data is involved, instances where information on other individuals must be separated or expunged from the particular record, and cases where consultations with other agencies having a substantial interest in the determination of the request are necessary.
( b ) Grant of access : ( 1 ) Notification.
( i ) An individual shall be granted access to a record pertaining to him or her except where the record is subject to an exemption under the Act and these rules.
( ii ) The PA Officer shall notify the individual of such determination and provide the following information : ( A ) The methods of access, as set forth in paragraph ( b ) ( 2 ) of this section ; ( B ) The place at which the records may be inspected ; ( C ) The earliest date on which the record may be inspected and the period of time that the records will remain available for inspection. In no event shall the earliest date be later than thirty ( 30 ) days from the date of notification ; ( D ) The estimated date by which a copy of the record could be mailed and the estimate of fees pursuant to 1101.11. In no event shall be estimated date be later than thirty ( 30 ) days from the date of notification ; ( E ) The fact that the individual, if he or she wishes, may be accompanied by another individual during the personal access, subject to the procedures set forth in paragraph ( f ) of this section; and ( F ) Any additional requirements needed to grant access to a specific record.
( 2 ) Method of access : The following methods of access to records by an individual may be available depending on the circumstances of a given situation : ( i ) Inspection in person XXXX be made in the office specified by the PA XXXX, between the hours of XXXX XXXX XXXX XXXX XXXX, Monday through Friday ( excluding holidays ) ; ( ii ) Transfer of records to a Federal facility more convenient to the individual may be arranged, but only if the PA Officer determines that a suitable facility is available, that the individual 's access can be properly supervised at that facility, and that transmittal of the records to that facility will not unduly interfere with operations of the section or involve unreasonable costs, in terms of both money and manpower ; and ( iii ) Copies may be mailed at the request of the individual, subject to payment of the fees prescribed in 1101.11. The Section, at its own initiative, may elect to provide a copy by mail, in which case no fee will be charged to the individual.
( c ) Access to medical records : Upon advice by a physician that release of medical information directly to the requester could have an adverse effect on the requester, the Section may attempt to arrange an acceptable alternative. This will normally involve release of such information to a physician named by the requester, with the requester 's written consent. ( Note that release to any third party, including a physician or family member, must comply with the provisions of 1101.8 of this part. ) ( d ) The Section shall supply such other information and assistance at the time of access to make the record intelligible to the individual.
( e ) The Section reserves the right to limit access to copies and abstracts of original records, rather than the original records. This election would be appropriate, for example, when the record is in an automated data media such as tape of disc, when the record contains information on other individuals, and when deletion of information is permissible under exemptions
( for example 5, U.S.C. 552 ( k ) ( 1 ) ). In no event shall original records of the Section be made available to the individual except under the immediate supervision of the PA Officer or his designee. Title 18 U.S.C. 2701 ( a ) makes it a crime to conceal, mutilate, obliterate, or destroy a record filed in a public office, or to attempt to do any of the foregoing.
( f ) Any individual who requests access to a record pertaining to that individual may be accompanied by another individual of his or her choice. Accompanied includes discussion of the record in the presence of the other individual. The individual to whom the record pertains shall authorize the presence of the other individual in writing and shall include the name of the other individual, a specific description of the record to which access is sought, and the date and the signature of the individual to whom the record pertains. The other individual shall sign the authorization in the presence of the PA Officer or his designee. An individual shall not be required to state a reason or otherwise justify his or her decision to be accompanied by another individual during the personal access to a record.
( g ) Initial denial of access : ( 1 ) Grounds. Access by an individual to a record which pertains to that individual will be denied only upon a determination by the PA Officer that : ( i ) The record is subject to an exemption under the Act and these rules ; ( ii ) The record is information compiled in reasonable anticipation of a civil action or proceeding ; ( iii ) The provisions of 1101.7 ( c ) pertaining to medical records have been temporarily invoked ; or ( iv ) The individual unreasonably has failed to comply with the procedural requirements of these rules.
( 2 ) Notification. The PA Officer shall give notice of denial of access of records to the individual in writing and shall include the following information : ( i ) The PA Officer 's name and title or position ; ( ii ) The date of denial ; ( iii ) The reasons for the denial, including citation to the appropriate section of the Act and these rules ; ( iv ) The individual 's opportunities for further administrative consideration, including the identity and address of the responsible official ; ( v ) If stated to be administratively final within the Section, the individual 's right to judicial review under 5 U.S.C. 552a ( g ) ( 1 ) and ( 5 ).
( 3 ) Administrative review : When an initial denial of a request is issued by the PA Officer, the individual 's opportunities for further consideration shall be as follows : ( i ) As to denial under paragraph ( g ) ( 1 ) ( i ) of this section, the sole procedure is a petition for the issuance, amendment, or repeal of a rule under 5 U.S.C. 553 ( e ). Such petition shall be filed with the Commissioner, United States Section, International Boundary and Water Commission, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, TX XXXX. If the exception was determined by another agency, the PA XXXX will provide the individual with the name and address of the other agency and any relief sought by the individual shall be that provided by the regulations of the other agency. Within the Section, no such denial is administratively final until such a petition has been filed by the individual and disposed of on the merits by the Commissioner.
( ii ) As to denial under paragraphs ( g ) ( 1 ), ( ii ), ( iii ) or ( iv ) of this section, the individual may file for review with the Commissioner, as indicated in the PA Officer 's initital denial notification.
( h ) If a request is partially granted and partially denied, the PA Officer shall follow the appropriate procedures of this section as to the records within the grant and the records within the denial.
1101.8 Disclosure of records to third-parties.
( a ) The Section will not disclose any information about an individual to any person other than the individual except in the following instances : ( 1 ) Upon written request by the individual about whom the information is maintained ; ( 2 ) With prior written consent of the individual about whom the information is maintained ; ( 3 ) To the parent ( s ) of a minor child, or the legal guardian of an incompetent person, when said parent ( s ) or legal guardian act ( s ) on behalf of said minor or incompetent person.
( 4 ) When permitted under 5 U.S.C. 552a ( b ) ( 1 ) through ( 11 ) which provides as follows : ( i ) To those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties ; ( ii ) Required under 5 U.S.C. 552 of the U.S. Code ; ( iii ) For a routine use as defined in the Act at 5 U.S.C. 552a ( a ) ( 7 ) ; ( iv ) To the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 of the U.S. Code ; ( v ) To a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( vi ) To the National Archives of the United States as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Administrator of General Services or his designee to determine whether the record has such value ; ( vii ) To another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( viii ) To a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( ix ) To either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such join
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- Credit reporting, credit repair services, or other personal consumer reports
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- Account information incorrect
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TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT. CONTACT CONSUMER AT ( XXXX ) XXXX XXXX : XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
XXXX : - Personal Information Below is your personal information as it appears in your credit file. This information includes your legal name, current and previous addresses, employment information and other details.
TransUnion XXXX XXXX Credit Report Date : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX - - Former : - - XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Score Your Credit Score is a representation of your overall credit health. Most lenders utilize some form of credit scoring to help determine your credit worthiness.
TransUnion XXXX XXXX Credit Score : XXXX XXXX XXXX Lender Rank : Unfavorable Unfavorable Unfavorable Score Scale : XXXX XXXX XXXX Risk Factors TransUnion : The balances on your accounts are too high compared to loan amounts The balances on your accounts are high compared to the original loan amounts, lowering your score.
Too many installment accounts with a delinquent or derogatory payment status An installment account is one with a fixed monthly payment for the life of the loan. Auto loans and student loans are common examples of installment loans. You have had too many installment accounts that are at least 30 days late and/or on which a lender has reported a derogatory status. Late payments are a proven indicator of increased risk. People with late payments are at risk of being overextended, putting existing credit with lenders at risk.
Too many bankcard or revolving accounts with delinquent or derogatory status Bankcard accounts include credit cards and charge cards from a bank and are frequently revolving accounts. Revolving accounts allow you to carry a balance and your monthly payment will vary, based on the amount of your balance. You have had too many bankcard or revolving accounts with payments that are at least 30 days late and/or on which a lender has reported a derogatory status. People with late payments are at risk of being overextended, putting existing credit with lenders at risk.
Lack of sufficient relevant real estate account information A real estate loan can be a first mortgage, a home equity loan, or home equity line of credit. The XXXX credit score model relies on information in your credit files at the three national credit reporting companies ( XXXX, XXXX and TransUnion ) to generate your score. Your credit file does not contain enough credit behavior information about your real estate accounts. A mix of different types of open and active credit accounts, including real estate loans, can have a positive impact on your credit score.
XXXX : Too many installment accounts with a delinquent or derogatory payment status The balances on your accounts are too high compared to loan amounts The date that you opened your oldest account is too recent Lack of sufficient relevant real estate account information XXXX : The score ( s ) on your XXXX credit report ( using the XXXX XXXX model ) are provided as a tool to help you understand how lenders may view the data contained in your credit reports and evaluate your credit risk. We provide these scores solely for educational purposes. XXXX does not offer credit ; delivery of these scores does not qualify you for any loan. The scoring model your lender uses may be different than the XXXX XXXX. As a result, the score and score factors we have delivered may show differences when compared to the score and score factors produced by your lender 's scoring model. Please also understand that lenders use multiple sources of information when underwriting a loan and making lending decisions. Credit scores are just one factor that may be used and each lender will have different criteria they consider.
IdentityIQ provides informational materials along with your credit report ( s ) and score ( s ) these materials are educational in nature and intended to broaden your understanding of how credit scoring works. They should not be construed as advice in handling your financial problems or making financial decisions. If you are having trouble keeping up with your bill payments or experiencing other financial difficulties, please contact a non-profit credit counseling service for assistance. These materials are for educational purposes only.
Summary Below is an overview of your present and past credit status including open and closed accounts and balance information.
TransUnion XXXX XXXX Total Accounts : XXXX XXXX XXXX Open Accounts : XXXX XXXX XXXX Closed Accounts : XXXX XXXX XXXX Delinquent : XXXX XXXX XXXX Derogatory : XXXX XXXX XXXX Collection : XXXX XXXX XXXX Balances : {$56000.00} {$56000.00} {$37000.00} Payments : {$790.00} {$1200.00} {$780.00} XXXX XXXX : XXXX XXXX XXXX Inquiries ( 2 years ) : XXXX XXXX XXXX Account History Information on accounts you have opened in the past is displayed below.
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$40.00} {$40.00} {$40.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$71.00} {$71.00} {$71.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$200.00} {$200.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Authorized User Authorized User Authorized User Account Status : Open Open Open Monthly Payment : {$42.00} {$42.00} {$42.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$510.00} {$510.00} {$510.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$600.00} {$600.00} {$0.00} Credit Limit : {$600.00} {$600.00} {$600.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Charge account Charge account Bureau Code : Authorized User Authorized User Account Status : Open Open Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$270.00} {$0.00} Credit Limit : {$1900.00} {$1900.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Charge Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Secured credit card Credit line secured Bureau Code : Joint Joint Account Status : Open Open Monthly Payment : {$5.00} {$5.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$180.00} {$180.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$280.00} {$280.00} Credit Limit : {$250.00} {$250.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX US DEPT ED TransUnion XXXX XXXX Account XXXX : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$7900.00} {$7900.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Current account/was a collection account, insurance claim or government claim or terminated for default.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK XXXX OK OK OK CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX US DEPT ED TransUnion XXXX XXXX Account XXXX : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$8400.00} {$8400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$7900.00} {$7900.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Current account/was a collection account, insurance claim or government claim or terminated for default.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK XXXX OK OK OK CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX US DEPT ED TransUnion XXXX XXXX Account XXXX : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1500.00} {$1500.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$1500.00} {$1500.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Current account/was a collection account, insurance claim or government claim or terminated for default.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK XXXX OK OK OK CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX US DEPT ED TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5400.00} {$5400.00} {$5400.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$5100.00} {$5100.00} {$5100.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - Current account/was a collection account, insurance claim or government claim or terminated for default.
Student loan Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK XXXX OK OK OK CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK ALLY FINCL TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Joint Joint Joint Account Status : Open Open Open Monthly Payment : {$370.00} {$370.00} {$370.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$690.00} {$690.00} {$690.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$16000.00} {$16000.00} {$16000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - Subscriber reports dispute resolved - consumer disagrees.
Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$49.00} {$49.00} {$49.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4300.00} {$4300.00} {$4300.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1700.00} {$1700.00} {$1700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Student loan Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK XXXX OK OK OK OK OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK XXXX OK XXXX OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK OK NAVIENT TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$100.00} {$100.00} {$100.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$9200.00} {$9200.00} {$9200.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$4500.00} {$4500.00} {$4500.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Student loan Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK XXXX OK OK OK OK OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK XXXX OK XXXX OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK XXXX TELECOM SELF-REPORTED TransUnion XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Open Monthly Payment : {$12.00} Date Opened : - Balance : {$12.00} No. of Months ( terms ) : 1 High Credit : {$12.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Open Monthly Payment : {$210.00} Date Opened : - Balance : {$210.00} No. of Months ( terms ) : 1 High Credit : {$210.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or collection Bureau Code : Individual Account Status : Open Monthly Payment : {$200.00} Date Opened : - Balance : {$200.00} No. of Months ( terms ) : XXXX High Credit : {$200.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : Unknown - credit extension, review, or XXXX XXXX Code : Individual Account Status : Open Monthly Payment : {$22.00} Date Opened : - Balance : {$22.00} No. of Months ( terms ) : 1 High Credit : {$22.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$110.00} {$110.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$10000.00} {$10000.00} {$10000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$4000.00} {$4000.00} {$4000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Student loan Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK XXXX OK OK OK OK OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK XXXX OK XXXX OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK XXXX OK XXXX OK OK OK XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$60.00} {$60.00} {$60.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5200.00} {$5200.00} {$5200.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2600.00} {$2600.00} {$2600.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Student loan Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK XXXX OK OK OK OK OK XXXX OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK XXXX OK XXXX OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$0.00} {$0.00} {$1300.00} Credit Limit : {$0.00} {$1300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by credit grantor Account has been closed due to inactivity.
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : - - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$480.00} {$0.00} {$480.00} Credit Limit : {$0.00} {$450.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by the credit grantor.
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$250.00} {$0.00} {$0.00} Credit Limit : {$300.00} {$300.00} {$300.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Unpaid balance reported as a loss by credit grantor.
Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX OK OK OK CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK DEPTEDXXXX TransUnion XXXX XXXX Account # : XXXX Account Type : Installment Account Type - Detail : XXXX XXXX Code : Individual Account Status : Transferred Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : 120 High Credit : {$3600.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Account closed due to transfer Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$740.00} No. of Months ( terms ) : - High Credit : {$740.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$720.00} No. of Months ( terms ) : - High Credit : {$720.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX
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- Credit reporting, credit repair services, or other personal consumer reports
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TRANSUNION CFPB TOP PDF XX/XX/XXXX I, XXXX XXXX. The XXXX submitted a complaint asking all credit agencies to stop violating My privacy by posting alleged debt on their private sites. XXXX XXXX XXXX XXXX XXXX XXXX.is a private company owned by XXXX XXXX XXXX XXXX, ETC. ) TRANSUNION INTERMEDIATE HOLDINGS, XXXX, XXXX XXXX XXXX INC.And XXXX, INC.are not Bureau 's and are only agencies of the BUREAU. When I stated the account in question in last complaint I meant " EVERY SINGLE ACCOUNT '' DEBT PAYMENT HISTORY ETC '' that XXXX XXXX XXXXTRANSUNION continues to post I will hold the CFO personally liable as notice to agent is notice to principle. the individual who's privacy is being violated pursuant to the EQUAL CREDIT OPPORTUNITY ACT THE FEDERAL RESERVE ACT, THE PRIVACY ACT, every transaction relies upon the " FULL FAITH & CREDIT '' of the united states. Im invoking Consumer protection laws for : Delete, Block and Remove Listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance updated XXXX XXXX, XXXX Credit limit - {$500.00} Account info - Account number - XXXX Open/closed - Closed Date opened - XX/XX/XXXX 31 U.S. Code 5312 - Definitions and application The Federal Government took away our lawful money ( silver & gold ) in 1933 but Congress had to provide the people a remedy. Public Law : Chap. 48, 48 Stat. 112 under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. That the giving a ( federal reserve ) note does not constitute payment. That the use of a ( federal reserve ) Note is only a promise to pay. That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189. I can't provide exact dates because I have been trying to get this matter settled with TRANSUNION INTERMEDIATE HOLDINGS, INC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for many years. As they refuse to verify and/or validate the debt properly and in accordance to federal law, therefore I am submitting this complaint. I have a problem with their legal characteristic by nature, as they have not given equitable relief.
I am submitting one Administration Judgment ( documentation ) for proof and the account should be discharged. This firm has been unlawfully and illegally trying to collect on monies already prepaid pursuant to HJR-192 of 1933. Additionally pursuant to 31 U.S.C. 3123 the interest and public debt is the obligation of the United States. I must also report that it has been almost 6+ years and this firm is still continuing to report false information on the report. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) Imay presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( which they keep reporting illegally ). As a result of these blatantly reckless, wanton and intentional acts, I have suffered and continue to suffer general and specific damages. I am comprehending that the credit reporting agencies, TRANSUNION INTERMEDIATE HOLDINGS , INC., XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXMUST delete ALL accounts that I have reported as fraudulent regarding identity theft within FOUR ( 4 ) days of my report, and NONE OF THEM HAVE DONE SO, violating the laws that are placed to protect consumers.15 U.S. Code 1681c2 - Block of information resulting from identity theft. : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency> My reporting was NOT in ERROR, so the reporting agencies have NO right under the law to continue to " report '' my PRIVATE information for the public corporations to see.
Because of this fact. I am concerned about the validity and accuracy of of the accounts that are reporting on my credit report. I am requesting a investigation because I feel the items are not being reported legally. I received a copy of my TRANSUNION INTERMEDIATE HOLDINGS, INC., XXXX XXXX XXXX XXXX XXXX XXXX.credit reports containing the following inaccurate and incomplete items : Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Additional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609 Delete XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Why are you disputing this account? Account is not accurate Reason ( s ) for dispute : 1 ) There were fraudulent charges made on this account Addtional Comments : Motion Remedy Claim for Damages in Re : Pub Res No. 10 Public Law Ch 48, 48 statute 112, Pub Law 7310, HJR 192, 31 USC 3123, 5103, 5312,18 USC 8, 12 USC 411, 28 USC 1746, 42 USC 408 ( a ) 8 Penalty, Privacy Act of 1974 12 USC 3401, Right to Fianancial Privacy Act of 1978 5 USC section 552 ( a ), Third Party Summons Act Special Procedures 26 USC section 7609I disputed every negative items on my credit report several times, I also provided accurate information for the reasons why I'm not liable for those debts according to the law, I'm full aware that all these corporations, including this very one I'm utilizing for the complaint is using a name not associated with me, I've stated I'm not a ALL CAPITAL LETTERS CORPORATION or 14th Amendment Citizen, I'm a free National, most of those debt collectors aren't a party to the matter, they brought the debt from the original creditor, I never signed a contract with any of them, and for your organization to confirm anything from those debt collectors is fraud, because they're using a name similar to mines, who isn't me, I've also reserved my rights ... UCC 1-308, I've quoted HJR 192, and only Congress can coin and make legal tender, Credit is not legal tender, I have grounds to sue these debt collectors or any organization who uses my name without my consent, and committing fraud.According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Again according to Hjr 192 the US Congress passed the Emergency Banking Act. It was also announced by the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money. This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.
The two provisions that empower FinCEN to consider any business or agency as a financial institution the 1st is if it engages in any activity that is similar to, related to, or a substitute for any activity in which any business described above is authorized to engage. 31 CFR Section 5312 ( a ) ( 2 ) ( Y ). The second authorizes FinCEN to designate any other business as a financial institution if that business has cash transactions that have a high degree of usefulness in criminal, tax, or regulatory matters. See 31 CFR Section 5312 ( a ) ( 2 ) ( Z ).
As is evident from the list above, the regulations and reporting requirements implemented pursuant to the BSA apply broadly to the financial activities of many businesses and not just banks. As such, the financial activities of a very broad cross-section of the economy can come under the scrutiny of the federal government. Every customer at a car dealership, travel agency, casino, insurance company, or bank is at risk of having a SAR be secretly filed about their financial activities. Given the existence of such scrutiny, all financial institutions and their customers should be cognizant of BSA and FinCEN regulations. Compliance with all regulations is critical to protecting oneself and ones business. Moreover, making finance arrangements that lessen risk, such as avoiding the use of unlicensed money transmitters, is another way to avoid unwarranted investigatory attention.
XXXX XXXX CFPB TOP PDF TRANSUNION CFPB BOTTOM XX/XX/XXXX Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In Addition There are a bunch Inquiries that need to be removed. I DID NOT AUTHORIZE All Inquiries listed on my consumer report to be removed XXXX XXXX
XXXX XXXX XXXX The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) " Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction.
As I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim. This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts. https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ). This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE. I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below. See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz. The Business of Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution. A Person is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a U.C.C. - ARTICLE 3 - NEGOTIABLE INSTRUMENTS.. Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz Of pure gold or silver as per Articles VIII and X of the Constitution For the United States of America. or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( ). Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258. All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor. When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction.
In accordance with 31 U.S.C. 5103 and 18 USC 8, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by who are banking members of the fX and are THE EQUIVALENT OF MONEY as per 12 USC 1813 ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans. Failure to remove this debt will result in legal action HJR 192 ACT OF 1933 PUBLIC LAW 73-10 31 U.S.C. 3123 - U.S. Code - Unannotated Title 31. Money and Finance 3123. Payment of obligations and interest on the public debt.. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter. ( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons. ( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.
( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION 5151 OF THIS TITLE. ( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited. CITE AS : 31 USC 3123. 12 U.S. Code 461 - Reserve requirements- 5 ). ( F ) In order to prevent evasions of the reserve requirements imposed by this subsection, after consultation with the Board of Directors of the Federal Deposit Insurance Corporation, the Comptroller of the Currency, and the National Credit Union Administration Board, the Board of Governors of the Federal Reserve System is authorized to determine, by regulation or order, that an account or deposit is a transaction account if such account or deposit may be used to provide funds directly or indirectly for the purpose of making payments or transfers to third person. ( TRANSUNION INTERMEDIATE HOLDINGS Inc ) This erroneous entrys is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above requested deletion or requested/required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. Please respond accordingly, A PERSON is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a Acceptance Promissory Note under ( U.C.C. 2-304 ) tha FTC ATTACHED.
The Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. Federal Deposit Insurance Corporation ( FDIC ), independent U.S. government corporation created under authority of the Banking Act of 1933 ( also known as the Glass-Steagall Act ), with the responsibility to insure bank deposits in eligible banks against loss in the event of a bank failure and to regulate certain banking... The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission 's Credit Practices Rule states that it is... interest in household goods to be unfair and a violation of the FTC Act. In the past, NCUA had a similar rule that was applicable to federal credit unions. The Federal Trade Commission has filed a complaint charging a mortgage spamming operation with violating federal laws by using an array of ... According to the fair credit reporting act, all negative items must be removed once it is known as an inaccurate account. These accounts still states accurate on my report, which it is proven to be inaccurate because their was no proof of claim mailed to me. Also according to Hjr 192 IN 1933! the US Congress passed the Emergency Banking Act. It was also announced to the 73rd congress that the UNITED STATES was bankrupt. The passage of House Joint Resolution HJR-192 removed the ability of the public to pay debt with lawful money.
This made it illegal to demand lawful money for the payment of debt.See references : 48 Statute 1, Public Law 89-719, HJR 192, Public Law 73-10, American Bar Association Unbound Volume 1938 , 31 USC 53 section 5312 ( 3 ) ( C ), 31USC5312 ( 2 ) ( r ), PL 97-258, 96 Stat. 995, PL 99-570, PL 100-690, PL 103-325, PL 107-56, PL 108-458, 1USC 1362, 6 USC 6185 ( a ), 4USC 405-409, 3USC 321 ( a ), ( b ), 359 ) ( a ), 365 ( c ), 4USC 6202 ( g ), 6203 ( b ), 100 Stat. 3207-33, 102 Stat. 4354, 4357, 108 Stat. 2247, 2252, 115 Stat.315, 328, 335, 118 Stat. 3746, PL 97-258, PL 97-452, 16USC 831 ( h ), PL 98-369, PL 101-508, PL 102-589, PL 104-134, PL 105-46, 5USC 5129 ( b ), 98 Stat. 1153, 6USC 2653 ( a ) ( 1 ), 104 Stat. 1388-287, 106 Stat. 1488, 3USC Also, according the Constitution Article 1 section 10 Article 1 section 10 No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility. No State shall, without the Consent of the Congress, lay any Imposts or Duties on Imports or Exports, except what may be absolutely necessary for executing it's inspection Laws : and the net Produce of all Duties and Imposts, laid by any State on Imports or Exports, shall be for the Use of the Treasury of the United States ; and all such Laws shall be subject to the Revision and Controul of the Congress.
In XXXX Tendered payments WERE ISSUED TO XXXX XXXX XXXX with proof of service and signatures required signed by all creditors. The law states that if the payment is not accepted then XXXX XXXX has five days to return that payment to me with lawful reason for denying it. XXXX XXXX XXXX has failed to do so. In fact it has been [ 96 ] days and the Tender of Payment has yet to be mentioned by XXXX XXXX XXXX XXXX. If the payment is not returned then it is implied that the payment was tendered and received and they collected from the US Treasury and or at Any Federal Reserve Bank.
It is left to be implied due to the amount of time given to XXXX XXXX XXXX XXXX. which is well passed the five day time to respond. Attached are the FDCPA laws. ALSO, The new law states " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore all are hereby notified that i XXXX XXXX do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. i have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. Rather it has been over [ 96 ] days and nothing has posted as paid tendered or discharged and this disables me by way of doing business employment and living free.
XXXX XXXX XXXX XXXX. has notified the Credit Reporting Agency. that i am late to a debt that was paid in full as of i have the CFPB COMPLAINT ID NUMBERS attached which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. If XXXX XXXX XXXX XXXX, has decided to deny the payment then the debt obligation is DISCHARGED! So again! I am writing you about inaccuracies that are being inequitably furnished by Transunion on my Consumer Report. These inaccuracies damaged my right to extend credit. I am being discriminated against by a long list of apartment complexes solely due to harmful information on my consumer report. According to 15 USC 1681 ( a ) ( 3 ), Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. I hereby put your organization on notice and am informing you that I NEVER gave consent to this report being furnished by you on my behalf. I am aware of the fact that your organization ASSUMED a vital role. Because of this, my livelihood has been adversely affected. There is no law that states anything needs to be reported to a consumer reporting agency. Therefore, TRANSUNION is liable under 15 USC 1681n. 15 USC 1681 ( a ) ( 4 ), clearly states that consumer reporting agencies MUST exercise their grave responsibilities with fairness, impartiality, and RESPECT for THE CONSUMERS RIGHT TO PRIVACY. Your organization neither exercised its responsibilities with fairness and impartiality NOR protected MY right to PRIVACY. Please show me the law where it states a credit reporting agency may report non public personal information on a consumer without consent. I called and spoke to your representatives several times to remedy this. Ive lost countless hours since XXXX to this. Ive lost sleep, nutrition, a portion of my moving money, and am STILL suffering from mental anguish and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Something that wouldve never happened if it werent for you people.
Available homes I am qualified for are being rented by others as my reputation continues to be affected by these inaccuracies and without my consent. I have a deadline to move by XX/XX/XXXX and My safe livelihood is at stake and I am at risk of homelessness because of YOU not PROTECTING MY RIGHT TO PRIVACY and furnishing non-public personal information WITHOUT MY CONSENT. You should be ashamed for operating in a way that puts consumers lives at risk, blatantly committing fraud, and aggressively violating consumer rights to privacy. I am requesting proof that Transunion investigated any negative items you furnished to my consumer report. This grave step affects my reputation. Pursuant to 15 USC 1681a ( e ) an investigative consumer report would mean you conducted interviews with family and friends. You must not rely on information from a creditor. In the FCRA, 15 USC 1681a ( e ) clearly states that an investigative consumer report is ; obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information SHALL NOT include factual information on a consumers credit record OBTAINED DIRECTLY FROM A CREDITOR of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Further, pursuant to 15 USC 6802 ( b ) I was supposed to be given a disclosure to opt out of my non public personal information being reported by a non affiliated third party. I was not given this disclosure. Further, pursuant to 15 USC 1681b credit reporting is voluntary.
I did NOT consent neither did I provide written notice to you to report account status. Pursuant to 15 USC 1666b timing of payments, a creditor MAY NOT treat a payment on a credit card under an open ended credit plan as late for ANY PURPOSE. Pursuant to 15 USC 1681 ( a ) ( b ) your organization did not adopt such procedures that meet the need of commerce for consumer credit. As a result, I hereby demand you to do the following today ; Block and Delete the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account number XXXX TRANSUNION INTERMEDIATE HOLDINGS , INC .
I the living man have demanded these accounts be VALIDATED ( not a verification ) WITH ORIGINAL CONTRACTS or DOCUMENTS WITH MY ( WET SEAL SIGNATURE ) on them on a CERTIFIED COPY OF the TRUE BILL ( not a statement ) or REMOVE ACCOUNTS IF THEY CAN'T BE VALIDATED. SEND ME PROOF BY EMAIL to XXXX and by CERTIFIED MAIL to XXXX XXXX XXXX XXXX, XXXX Georgia XXXX WITH TRACKING NUMBER I Demand that of the listed accounts update. The Trading with the ememy acct. By 28 U.S Code & 3002 / UCC 1 308, HJR 192 1933 and US Constitution Article 1 Section 10... I the living man demand that FRAUDULENT ACCT. ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT ACCOUNT ( XXXX ) XXXX XXXX XXXX - Account number XXXX All Inquiries are Disputed as FRAUDULENT and need to be VALIDATED XXXX XXXX XXXX date XX/XX/XXXX. / Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX / Removal date XX/XX/XXXX I the living man wants all accounts to be VALIDATED that I the living man was giving money when it No money as the country is Bankrupt and in Bankruptcy it has, been no money snice all the GOLD & SILVER was taken and the BANKRUPT US AMERICA CORPORATION is pushing worthless paper as money when its no money so how is the living man supposed to pay with money when its no money only FIAT CURRENCY when I the living man is the Grantor and Beneficiary of the ESTATE for the ALL CAPS NAME called XXXX XXXX XXXX i'm not the ALL CAPS NAME e.g I'm the only legally Authorized Representative that can sign for the ALL CAPS NAME these accounts claim all accounts all been VALIDATED, WITH CERTIFIED COPY OF THE TRUE BILL & ORIGINAL CONTRACT DOCUMENTS THAT HAVE MY WET SEAL SIGNATURE ON THEM I DEMAND ALL OF THIS PROOF TO BE SENT TO Either of THE LIVING MAN addresses listed.
I DEMAND TO SEE THIS PROOF ASAP and I need this to be stated on the record for equity court as I the living man will file suit and make an special appearance in court to have these accounts to be VALIDATED, Certified Copy of TRUE BILL and the Original Contract & Documents that ho
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| 09/25/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately!
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life.
My only name is XXXX XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX XXXX.
Also, my current address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX, GA XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX, GA XXXX is not accurate and should be removed immediately.
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate.
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
I look forward to your written response confirming your compliance on this matter as well as an updated credit report.
Sincerely, XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX, GA XXXX I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates " Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer. I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting. The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards were followed.
challenged account : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting on my consumer credit file without providing me any communication regarding the account and debt alleged owed XXXX under FDCPA they are suppose to provide me a notice within 5 days before furnishing on my reporting, providing me notice of the debt pursuant to 15 U.S. Code 1692g - Validation of debts- a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. they did not lawfully provide proper communication that i have a right under 15 U.S. Code 1692g - Validation of debts- ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1666b - Timing of payments- ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. These companies are reporting late payments, collections, and 30 day, 60 days,120 days payment on dates that are PPNL PAID AND NEVER LATE there fore prompting me to not be able to properly responded during the dunning period for the alleged debt which does not constitute for me to be liable by law under 15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.15 U.S. Code 1681b - Permissible purposes of consumer reports- ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; they are communicating with Third parties TRANSUNION, XXXX, XXXX, XXXX XXXX with out proper permissible purpose under 15 U.S. Code 1692c - Communication in connection with debt collection- ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. this company is also furnishing incorrect incomplete in accurate information they are claiming to have charged off and collecting which they can not do, i asked them for validation of debt This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : 15 U.S. Code 1681e - Compliance procedures-a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. ( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph. 15 U.S. Code 1681i - Procedure in case of disputed accuracy- ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes. In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. - Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. - Proof that you are licensed to collect in my state. - Your license numbers and Registered Agent or Agent of Service. - The identity, name, and address of the original creditor. Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion ) request shall be sent to me immediately. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. they failed to do so. they also did not provide me with my 1099C tax form for the charge off i have to turn all charged off debts in on for income on 1099c in which they are claiming to have done while unlawfully still trying to collect.
Furthermore, as you can see from the information above, your agency is not reporting accurate information. According to [ 15 USC 1681e ] ( b ), Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.
You are in violation of the FCRA, [ 15 USC 1681b ] ( a ) ( 2 ) : ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the information you're reporting.
My rights were violated, especially my right to privacy, according to [ 15 USC 1681 ] ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureaus, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account numbers : XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ( Original Creditor : ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with : Your legal staff will agree that compliance with this request is required under the state laws and the Federal Statutes.
In addition to the questionnaire below, please attach copies of : - Agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment.
- Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
- Proof that you are licensed to collect in my state.
- Your license numbers and Registered Agent or Agent of Service.
- The identity, name, and address of the original creditor.
-copy of the debt purchase aggrement with creditor with terms and conditions attached Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities.
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus ( XXXX, XXXX or TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act, ,2. Violation of the Fair Debt Collection Practices Act and 3. Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying and account as accurate, when in fact there is no provided proof that it is accurate.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
If your company fails to respond to this validation request within 30 days from the date of your 1 of 2 receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion ) request shall be sent to me immediately.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified FALSE LATE PAYMENT REPORTING THESE FOLLOWING ACCOUNTS WHERE NEVER LATE [ PPNL ] [ PAID NEVER LATE ] AND SHOULD BE UPDATED AS PAID AS AGRRED.
XXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXX XXXXXXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXX [ LATE PAYMENT XX/XX/XXXX DAY XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX ] XXXX XXXX XXXX [ LATE PAYMENT DATES XXXX XXXX, XX/XX/XXXX ] XXXX [ LATE PAYMENT DATE XX/XX/XXXX ] XXXX XXXXXXXX [ LATE PAYMENT DATES XXXX XXXX, XXXX, XX/XX/XXXX, XXXX ] Inaccurate late payments like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time. I've already been in talks with some experts who have informed me that there are laws to ensure that inaccurate credit information can't be reported.
I have fully investigated my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent, credit worthy individuals by reporting erroneous and inaccurate information. Under the Fair Credit Reporting Act, the following applies to me : FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher ( A ) In general. The Federal banking agencies, the National Credit Union Administration, and the Commission shall jointly prescribe regulations that shall identify the circumstances under which a furnisher shall be required to re-investigate a dispute concerning the accuracy of information contained in a consumer report on the consumer, based on a direct request of a consumer.
( B ) Considerations. In prescribing regulations under subparagraph ( A ), the agencies shall weigh : ( i ) the benefits to consumers with the costs on furnishers and the credit reporting system ; ( ii ) the impact on the overall accuracy and integrity of consumer reports of any such requirements ; ( iii ) whether direct contact by the consumer with the furnisher would likely result in the most expeditious resolution of any such dispute ; and ( iv ) the potential impact on the credit reporting process if credit repair organizations, as defined in section 403 ( 3 ), including entities that would be a credit repair organization, but for section 403 ( 3 ) ( B ) ( i ), are able to circumvent the prohibition in subparagraph ( G ).
( C ) Applicability. Subparagraphs ( D ) through ( G ) shall apply in any circumstance identified under the regulations promulgated under subparagraph ( A ).
( D ) Submitting a notice of dispute- A consumer who seeks to dispute the accuracy of information shall provide a dispute notice directly to such person at the address specified by the person for such notices that : ( i ) identifies the specific information that is being disputed ; ( ii ) explains the basis for the dispute; and ( iii ) includes all supporting documentation required by the furnisher to substantiate the basis of the dispute.
( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall : ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
( F ) Frivolous or Irrelevant Dispute ( i ) In general. This paragraph shall not apply if the person receiving a notice of a dispute from a consumer reasonably determines that the dispute is frivolous or irrelevant, including -- ( I ) by reason of the failure of a consumer to provide sufficient information to investigate the disputed information; or ( II ) the submission by a consumer of a dispute that is substantially the same as a dispute previously submitted by or for the consumer, either directly to the person or through a consumer reporting agency under subsection ( b ), with respect to which the person has already performed the person 's duties under this paragraph or subsection ( b ), as applicable.
( ii ) Notice of determination. Upon making any determination under clause ( i ) that a dispute is frivolous or irrelevant, the person shall noti
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| 02/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed a complaint with all 3 reports and I provided proof that XXXX XXXX XXXX shouldn't be on my report at all as the vehicle I purchased was a fraudulent loan. I provided proof that I was denied the loan at a lower rate and lower price and then the dealership illegally provided 2 additional contracts each were done 2 weeks apart and 2 weeks apart from the one I was denied but then the loan company accepted the 3rd contract that was for a higher amount higher percentage and the dealership also asked me for an additional $500 down from the original $1000 down and when I provided it they didn't put it into the down payment and told me "it was put into the back end of the loan" at which point I refused to sign that 3rd contract that was already illegal because they cannot issue more than 1 contract unless it's all done on the same date and not on additional dates done later which is what was done & I provided the proof to the 3 reporting agencies as well as proof that the loan company didn't even follow the paperwork that showed the dealership responsible to pay my 1st 2 payments that they signed on an I.O.U. document they had with my contract but then the loan company reported them as missing payments and reported them as being behind in payments. I was also made and forced to sign the contract when I requested my money back from the dealership immediately upon giving me the 3rd contract which was done 6weeks after the 1st contract I signed that was denied by the loan company stating I didn't have the credit to afford the 1st contract but then they approved the 3rd that illegally didn't show my additional $500 I put down and so the dealership paid off an undercover metro police officer to scare me into signing it by putting me in handcuffs and threatening me with being charged with theft as if I had stolen the vehicle since I had the vehicle since the 1st contract 6weeks earlier (I was told that the loan company was also aware of what was being done to me and I called them the day after I signed it under duress after they did that to me at the dealership and requested my down payment & wanted the vehicle turned back in within my recession period after signing in the day before and they refused and told me the down payment was staying at $1000 even though I paid $1500 which was the reason they said I was denied the 2nd contract cuz they needed more down but then they did this to me). So when they denied me trying to stop this plus I didn't know how I could even be approved for the amount even I was on such a low fixed income and only wanted to spend less than $8000 on a car and they denied my 1st contract 6weeks earlier at a lower amount but now we're approving over $17k when I wasn't approved the 1st one at over $15k? The results were from not having a good debt to income with a whole slew of other problems they said I wasn't approved. So my only opportunity to make this right was to file a complaint with the DMV where I shared how they lied about my down payment, had me sign 3 different contracts all 6 weeks apart and I had proof and shared it and told them of signing it due to being put in handcuffs cuz they paid off an off duty cop that they told me about after I signed it because it cost them an additional $500 to pay off the cop so they were asses and told me that my $500 extra went to hiring the off duty cop. I also had a friend at the time that went thru them and her problem was that she didn't have money for a down payment so they told her lie and say that she paid a $2k down payment when she didn't pay anything for a down payment. She also gave her information to the DMV when they did their investigation. The DMV also went under cover and had their team go into the dealership with both scenarios in mind and represented both situations with their investigators and the dealership was in violations of the law and again proved my accusations to be true and substantiated. The DMV immediately revoked the dealerships business licenses and all owners and anyone associated with running the dealership was given lifetime revoked licensing that they will not issue licenses to any of these individuals or business entities any licenses for the state of Nevada at all ever. I was provided with a letter stating this and that my coerced signature of my contract with the dealership should be accepted as a void of my contract with my down payment returned to me and they said that if it is not then I should volunteerily return the vehicle to the loan company and request my monies be returned and that my credit report is not negatively effected by any of this. They said that the loan company is as liable as the dealership because they are responsible for doing business with reputable dealerships that are working within the law and that if they are working with companies that are not within the law and that they are under the understanding that they work with companies that use the same values and work under the same laws that they do and they work with them knowing these dealerships represent them when they work with them therefore when these dealerships work outside the law and illegally use deception in order to be rewarded a contract that they wouldn't normally be rewarded had they worked within the parameters of the law and were honest with the customer in obtaining their business and doing business with them, the loan company understands that they do business with these companies acknowledging that these businesses are a direct representation of their loan company as the customer doesn't pick out the loan company themselves that will be used to provide them with a loan for their purchase so that anything the dealership does outside of the law is in direct alignment to them and they know that they are equally as responsible as the dealership because they stand up for the businesses that they choose to do business with and that means also taking on all of the dealerships illegal activities as well. Not only is that the case but I made them aware of what happened the following day and let them know that the dealership and off duty cop also stated that the loan company was aware of what was going on and was 100% not only approved of by the loan company but also requested and of course the loan company denied it. I also sent them parts of the contract that they claimed they didn't receive and therefore wouldn't give me the credit on the 1st 2 payments that show that the dealership owners signed off and agreed to and they said that they wouldn't allow me to rescind my contract signature the following day and wouldn't provide me with my down payment in full back and this is after I explained everything that went on the day before and how the dealership actually was able to get my signature on those documents and that it was under duress. So even with all of that info they refused to allow me out of the contract. They were also sent the letter from the DMV regarding the dealership and the investigation that went into revoking all licensing of the dealership and shutting the business down based on them running illegal business practices that were Substantiated by multiple illegal contracts provided to the DMV providing the proof to start the investigation and then under investigation working with undercover agents of the DMV, the dealership was standardly practicing the illegal actions that were reported by customers that had been responsible to pay illegal contracts obtained by the dealership. So the DMV let me know that the loan company knowing that this investigation went through and the dealership was revoked all licensing and future licensing in the state of Nevada, that it was my complaint that started the investigation and was proven to be obtained using illegal business practices and actually used deception in order to be awarded my contract that it would not have been awarded had they used standard business practices and were honest in their practices with me, that they would not have been awarded my contract and that the loan companies are well aware that they are as responsible as the dealership because they choose to do business with the dealership and that they do so with the understanding that they are doing business within the parameters of the law and that they represent the loan company fully as the loan company is given to the client by the dealership when they choose to do business with that loan company for that contract and the customer only has the dealership to provide them with any and all information on the loan company that the dealership chooses to use to get them a loan therefore anything they do illegally is also directly attached to the loan company that they choose because the loan company does business with the dealership opening representing that the dealership is in direct alignment with the values of the loan company and accepts that whatever representation the dealership has with the customer also correlates to the loan company that does business with them and that the loan company is well aware of this and should have no problem now with allowing you to turn the vehicle in volunteerily and providing you back with your down payment at the very least and most likely will also provide you with the money that you had already paid to them for the loan because you requested that the loan be voided the day after it was signed and even though you provided all of the information to them they still denied it knowing that the customer was letting them know of business practices the dealership was providing on their behalf that were not in the parameters of the law and you also provided them with the friend that was actually denied a loan with them because when they called to confirm the down payment she had told them that she didn't provide a down payment when she was supposed to lie and state $2k so the dealership had to go with a different loan company with her and tell her lie to the next loan company or else she wouldn't get the loan so she did and got it. When they called to confirm my down payment it was the 2nd contract that they actually denied and stated they needed a greater down payment in order to approve me to the dealership so the dealership told me this and had me come in 4 weeks aftwr the first contract denied, 2 weeks after the 2nd contract was denied and needed me to provide them with an additional $500 in order to approve the contract so when I came in with it and they rewrote my contract it didn't show a change in the down payment so I refused to sign it and asked for my money back. They told me that I had to sign it. I told them no because I didn't want the car for the sales price they now had and then didn't even add the additional $500 I just provided them with and they used that it was in the back of the loan when I was working before this In timeshare and I was well aware of how contracts were written and I was an XXXX so there is nothing they can say in order for me to change my mind so I wanted my money back that I put down - the entire $1500 I provided to them. They told me I needed to give them the vehicle and that they may or may not give me back $1000 of the $1500 I provided based on the fact that there's nothing anywhere that shows that I even brought in the $500 from today so did I really want to blow up this deal and be without a vehicle and not be able to get another vehicle for who knows how long since they wouldn't be giving me all my money back and would only be giving me $1000 back if I did give the car back and that they were going to have a problem with my paperwork and it was going to take approximately 3 months before even giving me back the $1000 so wouldn't it be a XXXX of a lot easier on me to just sign the contract for the car. I said no and that I want my $1500 in full returned to me immediately, I wasn't signing their contract and I would return the vehicle back when they have my money to me. I left and told them to call me when they have my $1500 and I would return the vehicle at the same time. I left the dealership and called the loan officer to let them know what was going on. They told me if I didn't want to sign the contract that the dealership was responsible for returning my down payment and if there is a discrepancy in how much that down payment is then that's between myself and the dealership and that the 3rd contract is approved by the loan agency and I asked how that could be when the dealership said that the 2nd wasn't approved because the loan company needed to see that I had more money available first with an additional amount of money as a down payment so they said $500 additional was good enough and that it would be approved but here they approved it without an additional amount as the down payment like I was told I needed to provide so I did but then it didn't show in the down payment but the 3rd contract showed all different amounts then the previous 2 contracts over the last 4 weeks but this is approved? My 1st contract was denied by them and the income to debt ratio was used, also the amount of collections, adverse credit on my report and it was that I didn't make enough money being on social Security on a low fixed income to be able to pay such a high payment based on the price of the vehicle and my social Security was about to be reduced by $1000 per month because my child was turning XXXX and I told the loan company that I wanted a loan for a vehicle that was at most $8k and now this loan was over double that and I had another 1-2months before my income was going to be reduced by 1/3rd of what I get. How was it even possible that they were approving the 3rd contract that I was yet to even sign? The loan officer was flustered and told me that I had already had the vehicle for over 4weeks now and I needed to sign the new contract provided or else the dealership needed the vehicle back. I told her that that is exactly what I want but I want my down payment at the same time so that I can go get a loan that's half the cost of this loan that I can't afford but in order to do that, I need my down payment. They told me the down payment shows as $1000 and they can only go by what the dealership has in the documents and the dealership is stating that the down payment is what it shows and we don't have any reason to believe it's any different from what they are stating and that they can hold your down payment from you for 90days if that's what the dealership wants to do and they stand by the dealership. I told her they need to let me know when my full down payment is ready to be returned to me and I will turn in their vehicle to them by going there and they can give it to me at the dealership and providing me with a way back home after that or they can pick it up from me at my address when they give me back my full down payment. The dealership called me 2 days later and told me to come down and they had my down payment of $1500 for me and if I can bring the vehicle that they would give me the full down payment and drive me home. I showed up to the dealership and when I got out there was a black Escalade directly behind me and he put his lights on, walked out in plain clothes and told me he was a metro Police officer and I was being arrested for stealing this car that I drove in that I have had for 6weeks without signing a contract and that if it isn't signed today then he's taking me to jail where I will be for a very long time. He told me he was contacted by the dealership and they let him know that the loan company was also going to press charges if I don't sign documents today. I told him I've only had it for 6wks because they tell me a contract is good and the loan company approved only to find out 2 weeks later when thry tell me to come in for my pink slip that I have to sign new contracts because the last wasn't approved and they did that to me 3 times now and the last time they asked me to bring in more money, I brought in $500 that they took and then gave me new documents to sign and then I saw that the extra $500 I gave them that they had not put into the down payment so at that point I wasnt signing a fraudulent contract and I asked for all of my money back and they could have the car where they threatened me and said they wouldn't give me all of it back and the 2/3rds they would give back would at least be 3months at the earliest they would give it back so that I wouldn't have any opportunity to buy another car used or new from private seller or dealership so I would be without a vehicle for at the very least 3 months and I would be out $500 even then when Im on a low fixed income to begin with so I told them they would get the vehicle back when I get my money I put down for it in full back. The officer said that's something I can tell a judge but he was here to arrest me if he didn't see a signature on the contract. I told him I would sign it under duress and I said that in front of all the ppl working at the dealership and I said that there is at least a 3 day recission period where I can say I don't want this vehicle I want my money back and they have to do it, it's my right to have a change of heart within 3 days and so I will sign this under duress and I'm calling the loan company in the morning to tell them what happened and that I'm not doing this and my money needs to be returned immediately. So in the morning I called the loan officer assigned that I had been speaking to and let them know everything and I said I do not want this vehicle, I didn't want to from the beginning cuz I couldn't afford it then and didn't want it but I was given this and that and told things to talk me into it but then I was denied by the loan company and so relieved when I got the notice in the mail so that I could return it and so when I went back in to return it I was told that the contract was already changed and approved by the loan company and I already had it for 2 weeks so I couldn't get out of it now and I was lied and deceived throughout so that I would feel like I had no no choice but to accept the lies they were telling me. Well so at that point I thought I was screwed until they asked me for more money and that's when I started looking into things and what my rights were. So by the time all of this had come down I had read every word of every page of each contract and read up all about the legalities in purchasing a vehicle and who is responsible for what and also asked questions online because I felt like I was deceived so that they could get me to pay for a car I couldn't afford and wouldn't have even paid for or ever even done had they not made me feel as if I had no choice and pressured me into it and then when I decided while contracts were denied and no new contract that could be approved was even signed that I wasn't going to buy this vehicle that I couldn't afford and I had every right to get my money back and not accept this vehicle I didn't have enough money to buy and the loan company didn't think so either which is why they denied me for all the reasons I only wanted a car that was less than $8k to begin with cuz I knew I couldn't and wouldn't be able to afford the payments on it. But when I called to tell the loan company what happened and how I signed under duress and that I was told that they were also named by the police officer stating that he was told that the loan company was also going to press charges and of course the loan company said that they had nothing to do with that and that the loan had already been processed and there wasn't anything like a 3 day recission available or legal and although I know that to be the case for timeshare it isn't something they do in the car industry and unfortunately I was responsible for the loan and couldn't turn it back in and get my down payment back and if I didn't want the vehicle and my down payment was wrong I shouldn't have signed the contract. So I had to go to pick up my pink slip at the dealership and that's when they apologized for all of the problems and said they were sorry but they had to do what was necessary to get the deal done and that my extra $500 ended up having to go pay to get that off duty cop to scare me but it was for the good of all because it finally got done. I told them everything they did was against the law and I would make sure they paid for it. They told me they knew ppl in high places and that the law was on their side regardless of how much they decided they needed to stretch it so to just remember that when I go against them that the consequences of my actions may land me in a jail even if I'm right, no one will ever believe me or find out any different because they were able to get it done when I told them I wanted my money back and didn't want to sign docs and I was forced to do it and had no proof to the contrary (because they had no idea that I saved my illegal contracts that they did and lied and told them I threw them away when they asked for them so maybe no one would've believed me against them and the lying loan company as well but I had those docs and the denial of credit and adverse action the loan company sent and my friend even though they told her not to say a word about having to lie about her $2k down payment on her contract that she didn't provide to them - she told me so that I could use her statement to go to the DMV and file a complaint even if it got her in trouble for it because she saw the XXXX I went through and how much I didn't want the vehicle and wanted my money back but they weren't allowing me to do it and made me go through with a contract I didn't want and couldn't afford. So I went to the DMV and they did the investigation and said that the loan company was as responsible as they were and that they knew what happened to the dealership and it looks bad for them because they do business with them that shows ppl that they condone illegal practices from the ppl they do business with and it shows that they also may allow these illegal practices to occur in order to get their contracts signed and that by all of this happening and it being your contract that was determined the dealership used illegal business and sales tactics in order to be awarded the contract that the loan company would not want to have an association to that and that I should be able to volunteerily return the vehicle and get my full down payment back and probably all the payments I did end up forcibly paying until I could no longer do it because I couldn't afford it. If they won't do it by speaking to them and also letting them know you spoke to the DMV and they stated that they are just as liable for the fraud and deception used in my contract even by just doing business with the dealership and they know this due to being in business in this industry and accepting to do business with dealerships and what your liability is and involvement in the kind of company they are and values they represent. He told me that if I have to then I can file a lawsuit against them but would have to do a small claims court but then when I volunteerily turned in my vehicle and told them why for which they actually picked it up as a non payment repossession instead of the voluntary repossession I requested based on my entire history and all the documents I had proving the contract was illegal based on the illegal contracts I have, the documents signed that they wouldnt actually go by those documents and actually put me down for 2 missing payments when it shows in my documents that they actually accepted that the I.O.U. from the dealership owes me the first 2 payments to be paid but it also has the 2nd contracts dates and they moved it over to the 3rd but I'm sure the loan company wants to claim ignorance by saying they didn't know about the illegal practices that were committed so if they then show 2 different dates on contract docs then it shows they were a part of the illegal practices from the start but it also shows that based on my 1st contract being denied and the date of the adverse letere they sent to my home denying my contract approval based on not being able to afford it or having the kind of credit that's able to afford the loan I was getting and I agreed but then they approved the 3rd contract that had the highest price tag with the most interest when I was only a few months away from a reduction of my pay by 1/3rd yet they still approved it and they approved it after denying 2 other contracts with the 1st being 6wks prior and 2nd being 2weeks prior and all for the same dealership same customer same information and all were for different dates which is completely illegal but they knew all of that yet still did it and even when even greater illegal practices and inmorale practices that should never be done to any customer forcing them to take on an expense they knowingly can't afford and didn't want and only wanted the money that she gave for a down payment returned immediately in order to not have to go without a car to take her kid to school and her husband to find work, they used that against her and did the most heinous things in order to force her to do a contract she didn't want and couldn't afford that actually made her XXXX sleeping in the car that she had voluntarily repossessed knowing that by doing so that she would putting her husband her dog and herself out to the street and having her kid move in with a friend and have to drop out of college in order to try to correct the illegal and fraudulent acts that were forced upon her in order to make her by something she didn't want and couldn't afford so I knowingly called to come pick up the vehicle so I could then file a complaint with the attorney general or file it online with credit reporting or what not in order to get it off her reports and possibly get her down payment back and maybe get her other payments back but even I highly doubted I would get any money back and filing small claims wouldn't work because the vehicle was for $17k and they lied about how much they got for the car and how much all the fees and everything else costs because they say that the brand new car that I voluntarily had repossessed because the entire deal shouldve been reversed based on the truth of what happened and the investigation that the DMV did using my complaint and having the investigation result in revoking all licenses and not allowing any licenses to ever be available to the ppl involved in that dealership and DMV found my complaint to be accurate and true and it was a letter stating that my contract was fraudulent and was awarded based on deception and shouldn't have ever gone thru and I shouldve been able to get my money back and not have it affect my credit negatively and that if the DMV had the legal right to award my money back and give back the vehicle and either post to my credit reports that it was paid in full and no history of negative or adverse credit with that account and only showing good credit history with that loan or have it completely removed off all my credit reports resulting in no negative credit reporting at all for all 3 credit reports for this loan and that all the money that I paid for this vehicle including my full $1500 down payment and not the $1000 the dealership lied about returning all in full - they would gladly and rightfully make all of this happen for me after the misjustice done to me with this loan and all that I was put thru when this shouldve never happened to me but unfortunately even though they can investigate and find the evidence that I was absolutely correct in everything I have said about all the illegal practices that were committed by the dealership that the loan company is also responsible for based on the relationship that they have with the dealerships that they stand behind when they decided to do business with them - if the DMV could award me everything and all of my money back and even award monies back for all that I went thru as fees for all of the illegal practices against me, they said they would gladly do so but unfortunately the only thing I could do is voluntarily repossess based on the evidence of all the illegal practices that their investigation proved to be true all from my complaint on my contract and hopefully I could file against the dealership and loan company in small claims court and that the credit agencies would take it all off my credit reports and I would be awarded all of my monies back that I had paid into the vehicle but they do not have the authority to provide me with monies from these companies for their wrong doing but the dealership was fined heavily on behalf of the DMV and the investigation is at DMV and any agency or law agency can get all the information from the investigation and my original complaint or even just what they were charged with and their licenses being revoked and never able to be restored and how the loan company is looked upon in the industry as far as their involvement or responsibility when the DMV has wrongdoing, fraudulent actions, and using deception in order to be awarded sales that they normally wouldn't get and the loan company knowingly approving a contract that has already had 2 others denied all weeks apart for the same vehicle same customer when that is completely illegal and denying the those contracts based on debt to income and not having the money necessary to fund and pay those contracts but then being able to pay a larger contract with more interest after denying 2 others that the customer maintains they didn't want and told the loan company prior to signing the contract under duress that was all proved to be true in the investigation. I will send the documents to you after sending them to all of. The credit agencies and even though I sent them proving the loan company is lying - they still keep it on my credit reports and they can go to the DMV and get the investigation and letter to me that's all on file for the dealership shown in my records and anyone can see that they are lying. I can't get all of that info - I don't think but I was told that you can. Also was told the industry knows that the loan company is as responsible because they did business with the dealership and that's enough to be just as liable. Also I voluntarily had this repossessed so that I could do something about it especially after not even following the contract they approved that had the dealership paying my 1st 2 payments which made me always in default right from the start so that no matter what it would be repossessed anyway after everything they already did wrong to me and so I told the loan person I was assigned to that they need to come pick it up so that I can start to try and fight all of this and although I didn't think I was ever gonna see a dime back from all of this wrong doing to me, the least I could do is contact my credit report agencies and provide all of the proof that I have including the fact that I have a witness to all of this happening and that's my husband along with an acquaintance that I used to know that also was a part of the DMV investigation and was aware of what they were doing to me and what they did to her, she's also a witness and as is the investigator and person I spoke to about my complaint to them.
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| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Older American |
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Metro 2 / e-OSCAR Compliance Deficiencies and FCRA willful violations - XXXX Bank credit card XXXX inaccurately reported in Metro 2 as old card XXXX
- [ ] Despite my clear disputes for willful FCRA violations, XXXX and every CRA are NOT Metro 2 Compliant which should have forced and requested e-OSCAR to verify whether every item and every required field is filled in accurately, mandatorily and logically 100% perfect to meet compliance standards, as set forth in the 355 page Credit Reporting Resource Guide to meet ALL of the requirements of the FCRA, FCBA, and ECOA to insure maximum accurate and complete information on my credit history. My paper credit reports of XXXX XXXX XXXX TransUnion of XXXX showed that I never missed a payment to any creditor. However, supplemental and additional data omitted illegally from my paper credit report but included in Metro 2 files in XXXX XXXX showed that I had been 60 days past due with a 100% perfect which is not only illogical but impossible as I have always had a perfect payment record on every account. Numerous credit scoring and credit data analysis firms such as XXXX XXXX access Metro 2 credit data to report scores and account changes and payment records. Metro 2 coding errors and data concealed from paper credit reports prevents errors from being known and corrected by consumers in willful violation of the FCRA. Metro 2 is available to lenders who use information concealed from consumers which most likely contains inaccurate data such as late payments. My credit score was 200+ points below what it should have been due to the concealed and inaccurate 60 day late payment inside Metro 2 and concealed from my paper reports. I have complained to every CRA and the improper verification responses have been to ask me what data is incorrect instead of researching my Metro 2 data to tell me what data is in Metro 2 that is concealed from my paper credit reports. Consumers are scammed by Metro 2 inaccurate data concealed from paper reports resulting in a systematic inappropriate reporting system in substantial and known violation of laws including the FCRA. In fact, the whole Metro 2 system is useless since it contains data visible to others but concealed from consumers. How can a consumer check data for accuracy on paper credit reports when a complete set of conflicting and additional supplemental data is available inside Metro 2 yet undiscoverable, concealed and Unknown to innocent unsuspecting consumers??? Metro 2 even scams sophisticated consumers who frequently check paper credit reports fir accuracy. Therefore, my XXXX Closed account plus all my closed accounts must be permanently deleted from every CRA unless and until an independent unbiased capable entity certifies that all Metro 2 data is 100% accurately coded and properly incorporated in my paper data credit reports so that Metro 2 data is 100% identical to my paper reports. I maintain that Metro 2 data will always contain data not available and not visible on paper credit reports in willful violation of the FCRA. Therefore, my XXXX and every CRA must promptly permanently delete my XXXX and other closed accounts and, in the interim until deletion, report accounts as disputed by consumer, closed by consumer, consumer affected by a natural or declared disaster, payment deferred, affected by COVID-19, etc for which Metro 2 does not even have the fields and capability to accurately insure such required items are reported completely, consistently, logically and accurately monthly without the possibility of change through updates causing improper removal of codes and code replacements. XXXX does not understand this and it is incompetent and incapable of complying with the FCRA and Metro 2 mandatory coding as will be shown herein. This matter is ripe for investigation by the CFPB and Florida AG who has an injunction against XXXX for deceptive, unfair and unlawful trade practices. I need from XXXX every Metro 2 data submission since XXXX with a manual reconciliation to explain each and every paper entry in my credit report for every item and field. I need the Metro 2 transcribed to what is actually in its system as I know the codes (such as XA, XB, XC, XD, XE, XFetc) and I know what the codes mean but I do not know exactly what code has been reported since coding may be illogically, subjective, improper, temporary and changing with erroneous and inconsistent coding. My credit reports change multiple time daily with codes removed, replaced, removed, replaced, removed, etc erroneously and inaccurately in willful violations of the FCRA. Once my account is closed it must remain as closed but a furnisher subsequently reporting a closed account as disputed usually will remove the closed account code in violation of the FCRA and replace it with a dispute code instead of keeping both the closed and disputed designation. Garbage in means garbage out. Metro 2 gets complicated in my case when I have a XXXX acct with a wrong account number which is closed, disputed, affected by a natural or declared disaster, payment deferred, paid from insurance, failed to be reported monthly, etc where the Metro 2 codes cannot properly report the mandatory obligated FCRA requirements. Moreover, XXXX has shown that it is incapable of understanding Metro 2 and is unqualified and unwilling to report accurate credit data. The integrity and reportability of my XXXX and other closed accounts is called into question as mandatory data fields are missing, contested and cannot be verified and certified as perfectly compliant, mandating deletion entirely. Not only are numerous required fields in segments missing entirely, but many fields are inaccurate, and more importantly, Furnishers do not understand how to accurately code the complex mandatory compliance codes. XXXX does not even know what a closed account is under Metro 2 so it inaccurately reported my account that I closed in XXXX XXXX as open and refuses to mark my account as closed as required by the FCRA and Metro 2. XXXX claims that it closed my account to purchases when I closed my account but it will never mark my account on my credit report as Closed unless and until I pay my balance in full. All XXXX has to do is read Metro 2 to see that an account is closed by a consumer when requested even if there is a balance. Metro 2 and the FCRA clearly requires marking my account as closed promptly after my admitted closure in XXXX. If XXXX does not understand Metro 2 and the FCRA and its obligations and prohibitions how can XXXX be permitted to continue to report under Metro 2??? It is almost 2 months and XXXX has failed to mark my account as closed, disputed, affected by natural or declared disaster on a monthly basis? My closed XXXX account is still willfully inaccurate as it is still reported as OPEN on XXXX on my 3 credit reports, As of XXXX, XXXX last reported my account to TransUnion on XXXX in willful violation of the Metro 2 requirement to report monthly. CRAs know Metro 2 requires monthly reporting. CRAs have the responsibility to delete my account before XXXX responds. XXXX does not even know how to report account numbers accurately in Metro 2 as my account number continues to be reported as XXXX even though my account number was changed to XXXX about 3 years ago. Metro 2 is too complicated for XXXX to use and it is obvious that it does not understand how to change account numbers or it just shortcuts its obligations and refuses to accurately report my account accurately. Simply stated, XXXX is not Metro 2 compliant as it does not understand the system and the 355 page guidelines requiring proper coding for fields for Closed, Disputed, inaccurate data and account numbers and accounts affected by COVID and natural and declared disasters, all of which are missing from my XXXX file for months. XXXX has failed to monthly report my account since it last reported to TransUnion on XXXX as of XXXX. Clearly, XXXX is not Metro 2 compliant mandating deletion. XXXX does not have the ability or desire to accurately report. Metro 2 field 17A must include DA immediately to prevent irreparable harm and to avoid further willful FCRA violations with punitive damages exceeding $100,000 based on 11th circuit USCA decisions for jury awards of $80,000 for a single failure to report the account as disputed. XXXX is a recalcitrant lender who does not know the law and refuses to follow its known obligations. XXXX should attempt to mitigate damages instead of alienating me and increasing its obligation to pay me significant damages. I claim past statutory and other damages to offset the frivolous and uncollectable disputed balance which I claim is XXXX, mandating dismissal and deletion of my XXXX account permanently. I demand XXXX and every CRA disclose every Metro 2 coded field since XXXX to ascertain what is actually exactly reported and at the same time asking them to manually reconcile paper conflicts. I do not understand why XXXX refuses to immediately mark my account as Closed, disputed, deferred, affected by COVID and a natural disaster, etc. What is its sinister goal???? A Metro 2 Compliance request triggers e-OSCAR to electronically evaluate whether every piece of data was mandatorily perfect and complete Metro 2 Formatted Reporting Standards was properly reported within the compliance standards set forth by the FCRA. CDIA definitions that go along with Metro 2 Language are either unknown, not read, not considered, or just purposely evaded by XXXX or purposely violated due to incompetence or willful disregard. Obviously, a systematic problem exists at XXXX affecting its similarly situated cardholders. Closed accounts at XXXX are never reported as closed in willful violation of the FCRA. I demand that XXXX immediately stop reporting my account as OPEN. My account is closed since XXXX and such date closed is required to be permanently entered into Metro 2. XXXX is not Metro 2 Compliant mandating permanent deletion of my account from every CRA. Compliance Condition Codes are used to reflect accounts Closed at Consumers Request AND Accounts Disputed By Consumer to comply with mandatory reporting under the FCRA, FCBA and FDCPA. XXXX does not even know the Definition of a closed account is and what a dispute is and it has not put any of the multiple mandatory codes into Metro 2 in complete and willful violation of the FCRA and other laws, both State and Federal. XXXX knows that my account is Closed and disputed yet it knowingly refuses to enter any Compliance Condition Codes in willful violation of the FCRA. Simply stated, no code means XXXX is not Metro 2 Compliant mandating permanent deletion of my account from every CRA. My TransUnion and XXXX reports are not reported monthly as required under Metro 2. (See Attached XXXX reports of XXXX and XXXX showing XXXX as last reported date). Rather than promptly reporting my account as CLOSED on XXXX as required with a simple update, XXXX completely stopped reporting since XXXX in violation of Metro 2. Apparently, XXXX does not know how to enter mid cycle updates or it is just incapable of monthly reporting and mandatory prompt and immediate mid-cycle updates required by Metro 2 to comply with the FCRA. My attached XXXX report of XXXX shows inaccurately shows my XXXX account number as XXXX instead of XXXX. an inaccurate variable/adjustable rate, an inaccurate date of last payment, missing data for XXXX, XXXX etc,, inaccurate date of last activity, missing deferral date, missing date closed, missing Closed account status, missing dispute code and other FCRA compliance codes. Despite my disputes, XXXX has failed to promptly and immediately update inaccurate disputed information to CRAs apparently willfully or because it does not understand how to update with Metro 2 / e-OSCAR protocols. Reporting inaccuracies must be corrected promptly in order to comply with the FCRA. See section 623(a)(2)(B). The e-OSCAR Consumer Dispute System is designed and required to have built-in edits and safeguards to prevent illogical responses and impossible entries such as deletion of a closed account status resulting in a closed account inaccurately reported as open. Similarly, once a consumer is marked as deceased, Metro 2 must prevent the person to be reported as alive by not permitting illogical coding entries. Replacing a required field with a blank field or zero to force Metro 2 to accept data for updates and submission must not be tolerated. The CFPB website, like most websites, prevents submission until all required fields are marked and entered. Metro 2 has no such controls so it allows submission of blank and inconsistent data without any effective checks and controls or allows furnished to evade requirements. The numerous blank data fields demonstrate that XXXX cannot and has not complied with Metro 2 standards and any one of the multiple blank required fields is grounds, standing alone, to delete my entire account for Metro 2 Compliance deficiencies and FCRA violations. Every Metro 2 field has a purpose and no field must be blank under any scenario. The entire Metro 2 Compliance safeguards are nonexistent. Information within a dispute response must be complete and logical to insure maximum possible accuracy pursuant to well settled law. There are multiple coding duplicate safeguards to insure Metro 2 compliance. For example not only does Metro 2 require a permanent Compliance Code for a closed account to comply with the FCRA but Metro 2 requires the entry of the actual DATE CLOSED so the closed status must be reported in 2 fields to prevent coding evasion. Purposely entering blank required fields to force Metro 2 to update a submission constitutes a willful and deliberate violation of the FCRA and Metro 2 intended protocols. The incomplete, delayed and inaccurate XXXX reporting, with missing mandatory and required Metro 2 fields, should have required e-OSCAR to delete my account due to multiple Metro 2 Compliance deficiencies. XXXX should have been notified by CRAs of its reporting deficiencies or otherwise blocked from reporting entirely. XXXX has been negligent by failing to update its internal controls and record keeping to avoid and prevent re-reporting incorrect and illogical information. CRRG Frequently Asked Questions and Answer, Question 64, discusses How should a replacement credit card be reported. XXXX either does not have competent staff to understand Metro 2 or it just refuses to comply to save money. In my case, my old acct # XXXX was required to be updated with the new account number of #XXXX (changed about 3 years ago) so XXXX is NOT 100% Metro 2 Compliant mandating deletion. Exact account number reporting is mandatory for many reasons including an internal control to prevent duplicate reporting of accounts especially when accounts are sold or transferred to others. I have made multiple disputes but not only has XXXX noticed yet failed to fix the obvious account number inaccurate account number but not one CRA has noticed the error nor forced Metro 2 updating of the correct account number as required to be Metro 2 compliant. My XXXX paper report conceals the last 4 digits of my XXXX account number so I could not discover the inaccurate account numbers and inaccurate reporting in willful violation of the FCRA. On the other hand, TransUnion just reports just the last 4 numbers of XXXX account on my paper so that the complete account number is discoverable to scammers by merely looking at 2 separate credit reports. The FCRA and Metro 2 require the complete account number into Metro 2 and paper credit reports to insure accuracy and prevent duplication. The ineffective procedure of partially blocking 4 or more account numbers on paper reports is counterproductive, achieves no valuable benefit or protection and deprives consumers of the right to determine accuracy especially if accounts are transferred. Since there is $0 liability for credit fraud to consumers, complete account numbers must be reported on every CRA pursuant to the FCRA especially on Closed accounts, such as XXXX, which should be blocked. The partially blocking of account numbers has protections for furnishers and no benefits for consumers, so every account on my credit report is inaccurate and not Metro 2 Compliant mandating deletion of every account including my XXXX account. CRRG answer to Question 58 required XXXX to Report my account as deferred along with Special Comment AW (Affected by Natural or Declared Disaster) and other coding mandatory field entries negligently or intentional omitted in violation of the FCRA. As XXXX knows I live in XXXX and I told it many times that I took a direct hit from Hurricane Ian in XXXX XXXX and I have been seriously affected by the FEMA declared natural disaster, not only has XXXX willfully violated its specific obligation under the FCRA to report on my credit report Affected By Natural or Declared Disaster, Compliance code AW, but it claims I am late despite the prohibition of late reporting due to Hurricane Ian. Again, XXXX is apparently deliberately negligent or untrained in meeting its mandatory obligations under Metro 2 contained in the 355 page Guide or it has maliciously and purposely violated the FCRA to hopefully induce me to pay disputed account charges thereby entitling me to $10,000+ in statutory and punitive damages so my claims exceed the smaller XXXX disputed claim. XXXX and every CRA must enter account status code DA in field 17A to avoid and mitigate damages. How about the mandatory Date of First Delinquency that furnishers and CRAs never report accurately. It is about time XXXX sends its employees Back to School to learn about its obligations to insure maximum possible accuracy coding required under Metro 2/e-OSCAR/FCRA/FCBA/etc. Garbage IN means Garbage OUT. Worst yet is leaving mandatory required fields BLANK in complete disregard for the requirements of Metro 2 and the FCRA. Exhibit 8 of the CRRG regarding Compliance Condition Codes, which is reported in Field 20 of the Base Segment, is used to reflect accounts Closed at Consumers Request, and, inter Alia, consumer disputes under the FCBA, FDCPA and FCRA. Numerous Condition Codes exist (XA, XB, XC, XD, XE, XF, XI, XH, XJ etc) exist mandating reporting Accounts Closed at Consumers Request with the DEFINITION: Reported when a consumer requested an account be CLOSED with an Important Note: Report the DATE CLOSED as the date the account was CLOSED TO FURTHER PURCHASES which XXXX acknowledges was in XXXX XXXX Field Definitions in Metro 2 for #26 state: Date Closed the date the account was closed to further purchases there may be a BALANCE DUE. I need to repeat again and again what the FCRA and Metro 2 require in the 355 page guide. Definition: Reported when a consumer requested an account be closed with an Important Note: Report the Date Closed as the Date the account was closed to further purchaseswhich XXXX letter acknowledges was in XXXX. Again, Field Definitions for #26 Date Closedthe date the account was closed to further purchasesthere may be a balance due. There can be absolutely no doubt that XXXX has no idea of what a Closed account is and what the FCRA, case law, and the 355 page Metro 2 guide defines. Or worse it has lied, lied, lied to federal investigators and its own superiors mandating disciplinary action against employees conspiring to violate the FCRA. XXXX top management needs to take disciplinary action against its staff for unconscionable conduct. XXXX frivolous and illegal position that it will never report my account as closed unless and until I pay the entire balance in full is absolutely ridiculous and in willful and malicious disregard for the FCRA mandating maximum possible Statutory and Punitive damages plus Attorney Fees exceeding $100,000. Does XXXX want a US District Court jury to punish it if it is wrong? Does XXXX want to spend $50,000 in legal fees and related expenses only to lose? Does XXXX want a US District Court to ask a US Magistrate Judge to issue a Report of Findings of Fact and Conclusions of Law to be reviewed by the US District Court Judge for judgment and Rule 11 sanctions? Does XXXX want the CFPB and the Florida AG to prosecute it? Does XXXX employees want to risk losing their jobs for knowingly, deliberately, maliciously, negligently and purposely violating the FCRA in bad faith? Is there criminal conduct under multiple federal statutes for lying to federal authorities? XXXX top management and below have no idea what the FCRA and Metro 2 straight forward Definitions are for a closed account or worst it knows my account is closed yet it continues to illegally report my account as Open for a sinister purpose. XXXX knows that my account was closed yet it refuses to report my account as Closed in willful violation of the FCRA, Metro 2 etc even though it acknowledges my phone call demand to close my account in XXXX resulting in not only a closure, by definition, but XXXX blocking my account from further purchases thereby meeting the Metro 2 definition of a Closed account. XXXX falsely claims that my account will NEVER be reported as closed until my entire balance is paid in full. I closed my account in XXXX but XXXX refuses to report my account as closed and just willfully violated the FCRA and Metro 2 by reporting my account as OPEN. XXXX had systematically, maliciously, deliberately and willfully violated the FCRA and Metro 2 resulting in inaccurate and incomplete reporting of data including blank data and codes in data fields in Metro 2 that XXXX and CRAs refuse to adequately investigate. Once I called XXXX by phone and demanded it close my account and XXXX at that time processed my closure request telling me my account was now closed telling me the account was blocked from further purchasers so I needed to advise merchants not to use my closed account further, XXXX was required to PROMPTLY in a matter of a few days or minutes (not months) report my Account As Closed By Consumer forever keeping it Closed with every CRA never to be changed or deleted. Reporting an account as closed should be an instantaneous and automatic credit reporting process as it happens so frequently. XXXX blocked my account from further purchasers and read me the disclosure statement on its recorded line that my account was closed which I demand a certified copy of such transcript herein as additional proof of XXXX wrongdoing. This is certainly a learning lesson for XXXX so its staff may understand and comply with its obligations under the FCRA and Metro 2. Treating Consumers as stupid with disrespect is a terrible way to respond to bona fide complaints and disputes., especially when CFPB complaints can be viewed online for the public to read. Does XXXX really want to risk multi jurisdictional civil and criminal litigation over the Definition of a Closed Account? The Definition of what a Closed account under the FCRA and Metro 2 is absolutely clear and its repeated definitions cannot be challenged under any scenario. Your Law firms will risk damaging their reputation and licenses by claiming my Closed XXXX account is still Open when faced with a Rule 11 motion and action for sanctions for frivolous conduct. What is wrong with XXXX? Is your XXXX parent telling you to lie to federal authorities? Are your executives stupid? Do you think the CFPB is stupid? Do you think a jury and US District Court Judges are stupid? Well, I am obviously NOT stupid and it is obvious that I am furious about the entire credit reporting system and its lack of controls. The CFPB knows and has acknowledged unacceptable systematic FCRA violations. I just cant believe XXXX insists on reporting my Closed account as Open. Keep being STUPID and XXXX will pay bigger and bigger serious consequences. Customers must be treated with respect not treated as Stupid by untrained inexperienced or stupid employees who do not act in the banks best interest. When I filed my complaint with the CFPB, you should have taken the complaint seriously and tried everything to satisfy me by even giving me more than I asked for instead of being stupid. XXXX should have reduced my interest to 0% and just offer to pay me a XXXX statutory damage amount while not admitting or denying wrongdoing. Moreover, XXXX should have offered to permanently delete my account from every CRA as that would cost XXXX. But XXXX is not only stubborn but a stupid recalcitrant lender who would never offer a $1 concession but would prefer to spend millions rather than make needed token concessions. Businesses pay huge sums to answer customer service phone calls and concessions are the cheapest and most effective way to satisfy and retain customers. But obviously, XXXX has alienated me (and others similarly situated) by treating me as stupid even after filing a CFPB complaint. What would Banco XXXX Parent in XXXX say when matters get out of Control and no one wants to acquire you? I could continue for 20 more pages quoting the FCRA, Metro 2 Guidelines, statutory intent, criminal federal statutes, CFPB policies, Case law etc but XXXX is required to know all that and have its Staff trained and knowledgeable. This Complaint will certainly assist XXXX staff in understanding its obligations under the FCRA and Metro 2. I am entitled to relief as a consultant would charge huge amounts for what I have told you about your deficiencies. Once my account was closed, XXXX was prohibited to report my account with a variable interest rate so again XXXX coding with a variable rate is inaccurate which everyone missed after closure. XXXX needs to send its staff and upper management Back To School to Metro 2 workshops, e-learning courses and seminars. The industry Reporting Standards of Metro 2 to insure integrity and consistency of credit information requires: All Accounts must be reported a minimum of once per month. Prompt immediate and button-pushing automatic mid cycle updates are required especially for Closed, Disputed and accounts Affected by Natural or Declared Disaster. XXXX has failed to meet these and other Metro 2 obligations because as of XXXX, my last XXXX update to TransUnion and XXXX was XXXX per the attached. Pursuant to section 1682 et seq of the FCRA, XXXX and every CRA may be liable for willfully and negligently failing to follow reasonable procedures to assure maximum possible accuracy. XXXX is out of control. XXXX numerous deliberate deficiencies of illegally withholding and inaccurately concealing and reporting false and missing required account data is purposely intended to negatively affect a consumer credit score in complete willful violation of the FCRA. XXXX has escalated my complaint issues to a high level executive department so there is no defense or excuse of new or inexperienced employees or other type of employee error or negligence as my dispute issue responses are purportedly prepared and investigated by senior level experience staff and reviewed by higher level experienced staff. While Rule 11 sanction requests for frivolous conduct in federal courts permit violators to escape sanctions due to a 30 day safe harbor, willful violations of the FCRA cannot escape statutory and punitive damages. Some attorneys prefer to immediately file FCRA lawsuits upon discovery of violations. My efforts are intended to provide repeated notice of XXXX illegal conduct so that FCRA violations can be corrected to mitigate damages. If XXXX willfully continues to violate the FCRA despite numerous warnings, higher punitive damages will be incurred. I believe that XXXX will never admit FCRA violations due to its internal policies for dealing with FCRA violation complaints. So despite my indisputable detail of widespread and systematic illegal conduct known to be illegal, I expect XXXX will continue to willfully violate the FCRA rather than just delete my account permanently from every CRA. CFPB Director XXXX XXXX recently said around XXXX XXXX XXXX: TransUnion is an out/of-control repeat offender that believes it is above the law. I am concerned that TransUnions leadership is either unwilling or incapable of operating its businesses lawfully. My XXXX issues similarly prove that XXXX is an out-of-control repeat offender that refuses to comply with the FCRA and is incapable of understanding and implementing Metro 2 and the most basic FCRA provisions for reporting closed, disputed, affected by natural or declared disaster accounts and data. On XXXX XXXX XXXX, Florida Attorney General XXXX XXXX announced a settlement agreement with 34 attorneys generals and XXXX that included about XXXX XXXX in relief nationally including future injunctive relief requiring that XXXX shall maintain policies and procedures with respect to deferments, forbearances, modifications, and other related servicing and collection matters, and ensure that these policies and procedures are followed by its employees. I maintain that the violations of the FCRA by XXXX and its refusal to mark my offered payment deferrals due to Hurricane Ian on my credit reports constitute violations of it injunction which I will address counsel for the Florida AG. The AG injunction also stated: XXXX shall comply with the Florida Deceptive and Unfair Trade Practices Act, Chapter 501, Part II, Florida Statutes. Obviously, XXXX willful and malicious violations of the FCRA clearly constitute grave violations of Floridas Deceptive and Unfair Trade Practices also enjoined by the injunction relief agreed to by XXXX. XXXX is just out of control and incapable of complying with its obligations. Metro 2 and the FCRA is just too complicated for XXXX to administer as required mandating permanent deletion of my disputed and closed account from my credit report. XXXX retaliated against me for seeking deferrals offered and accepted automatically and required due to Hurricane Ian resulting in unacceptable FCRA violations and a complete disregard for requirements of Metro 2. I insist on 100% compliance with the requirements of Metro 2 and the FCRA to prevent the inaccuracies and incomplete credit reporting. Moreover, I demand a copy of every XXXX Metro 2 code filed so that I can compare codes submitted versus paper reports received. My credit file is the Metro 2 codes which is inconsistent and quite different from my paper credit reports as the Metro 2 files contain data that is not on my paper reports. Failure to provide me with past Metro 2 filings shall constitute the same FCRA violation as failing to provide an English paper credit report or electronic copy of my credit report. Keep in mind that an analysis of my Metro 2 codes show that I was in the past 60 days late which is impossible as my paper reports showed that I was never late to any creditor. The Metro 2 coding is so complicated that inaccurate negative and derogatory data will always exist in Metro 2 which is not shown on a paper report to a consumer. Metro 2 must be exactly the same as a XXXX
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Transunion Consumer Solutions
XXXX XXXX XXXX XXXX XXXX XXXX
Second Investigation Request Letter
To Whom It May Concern at Transunion,
I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, I requested that an investigation be executed on my behalf by the Consumer Financial Protection Bureau on XXXX complaint numbers Transunion # XXXX In accordance with the Fair Credit Reporting Act
15 U.S. Code 1681- Congressional findings and statement of purpose (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
U.S. Code 1681b - Permissible purposes of consumer reports- Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :- (2) In accordance with the written instructions of the consumer to whom it relates. Lenders, or any other businesses, or credit bureaus, cannot access my credit report. I must consent in writing to having my credit report pulled by anyone seeking specific information about my life in any way. I have not now, nor in the past given my written, or verbal permission to any creditors, credit bureaus, or any other businesses making inquires about my personal information. A consumer report is in violation if any written, oral, or other communication of any information about the consumer is published by a consumer reporting agency that bears on a consumer's creditworthiness, credit. standing, credit capacity, character, general reputation, personal characteristics, or mode of living, as well as former employment positions, former residential information is given out by that bureau without the consumers written permission.
I have been injured by negative as well as inaccurate information that is currently still on my credit report. This overall negative as well as inaccurate information is currently being released without my permission to any entity that submits a general inquiry into my personal information through the credit bureaus. This is against the law according to the Fair Reporting Act.
15 U.S. Code 1681 - Congressional findings and statement of purpose (a)ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings:(b) REASONABLE PROCEDURES : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Due to this inaccurate information being released I have been denied credit multiply times. I have been subjected to higher fees, as well as other negative ratings that hinder me from a financially fulfilling lifestyle that I have diligently worked to have for myself, as well as for the lives of my family. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the, the right to privacy from the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from.
consumer reports for the protection of the consumer.
(5) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Information excluded from consumer reports further includes arrest records more than 7 years old. Items of adverse information, Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years. Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.
I have not now nor previously given in writing or oral permission to release or publish any of my information to creditors, credit bureaus, or other businesses that make inquiries about my personal information /credit. These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities, or any businesses that make inquiries about my personal information / credit. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(2)
In accordance with the written instructions of the consumer to whom it relates.
These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from consumer reports.
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the consumer to whom it relates.
Lenders cannot just access my credit report without my consent. The Fair Credit Reporting Act states that only businesses with a legitimate reason to check my credit report can do so, I must consent in writing to having my credit report pulled by anyone seeking specific information about my life in any way.
15 U.S. Code 1681 - Congressional findings and statement of purpose (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I read the Fair Credit Reporting Act where it said by law, I had the right to challenge anything that is not accurate on my reports. Some of the people reporting things on me, I have never heard of.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)Duty of furnishers of information to provide accurate information(1)Prohibition(A)Reporting information with actual knowledge of errors . A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The credit bureaus stated all my accounts on my credit reports were properly investigated. That cannot be possible if open dates, account numbers, amounts of accounts, last date active, as well as other information on reports that are incorrect, and inaccurate still on my credit report. These are the grounds that I am seeking to have all inaccurate, all information that I have not given written permission to be published or released in my credit report.
How credit bureaus violated my rights:
1.Violated my right to privacy.
2.Inaccurate information in reports.
3.Published personal information on reports without my written permission.
4.Credit bureaus took more than thirty days to complete their investigation.
15 U.S. Code 1681n - Civil liability for willful noncompliance
(a)IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
(A)
any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; and the removal of account on report.
I want one hundred dollars to, one thousand dollars per violation, and the removal of any inaccurate information, any information that I have not given in writing to be published on any credit report (i.e., addresses, employment history, names, phone numbers, date of birth,) any information that is not one hundred percent correct.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION(1)PROHIBITION(A)Reporting information with actual knowledge of errors person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..(B)Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if(i)the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and(b) the information is, in fact, inaccurate.
15 U.S.C. 1681 section 604 A section 2 to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.For purposes of subparagraph (A), the term reasonable cause to believe that the information is inaccurate means specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 U.S.C. Sec. 1681i(a), I have been made aware that you cannot provide.
proof that an account is one- hundred percent accurate the accounts must be deleted from my credit report. I want One Hundred Dollars to, One Thousand Dollars, and the accounts deleted if they are not one hundred percent correct on my credit report. I have been informed that the credit bureaus have only thirty days to complete, as well as correct my credit reports. I will enclose my certified mail tracking number to insure receipt of this document.
Thank you, XXXX XXXX XXXX
Personal Information:
Name: XXXX XXXX
SSN: XXXX
D.O.B. XXXX Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Telephone: XXXX
Email: XXXX Transunion Consumer Solutions
XXXX XXXX XXXX XXXX XXXX XXXX
Second Investigation Request Letter
To Whom It May Concern at Transunion,
I received a copy of my credit report with the intention to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on, I requested that an investigation be executed on my behalf by the Consumer Financial Protection Bureau on XXXX complaint numbers Transunion XXXX XXXX In accordance with the Fair Credit Reporting Act
15 U.S. Code 1681- Congressional findings and statement of purpose (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
U.S. Code 1681b - Permissible purposes of consumer reports- Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other :- (2) In accordance with the written instructions of the consumer to whom it relates. Lenders, or any other businesses, or credit bureaus, cannot access my credit report. I must consent in writing to having my credit report pulled by anyone seeking specific information about my life in any way. I have not now, nor in the past given my written, or verbal permission to any creditors, credit bureaus, or any other businesses making inquires about my personal information. A consumer report is in violation if any written, oral, or other communication of any information about the consumer is published by a consumer reporting agency that bears on a consumer's creditworthiness, credit. standing, credit capacity, character, general reputation, personal characteristics, or mode of living, as well as former employment positions, former residential information is given out by that bureau without the consumers written permission.
I have been injured by negative as well as inaccurate information that is currently still on my credit report. This overall negative as well as inaccurate information is currently being released without my permission to any entity that submits a general inquiry into my personal information through the credit bureaus. This is against the law according to the Fair Reporting Act.
15 U.S. Code 1681 - Congressional findings and statement of purpose (a)ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings:(b) REASONABLE PROCEDURES : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Due to this inaccurate information being released I have been denied credit multiply times. I have been subjected to higher fees, as well as other negative ratings that hinder me from a financially fulfilling lifestyle that I have diligently worked to have for myself, as well as for the lives of my family. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the, the right to privacy from the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from.
consumer reports for the protection of the consumer.
(5) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Information excluded from consumer reports further includes arrest records more than 7 years old. Items of adverse information, Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years. Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.
I have not now nor previously given in writing or oral permission to release or publish any of my information to creditors, credit bureaus, or other businesses that make inquiries about my personal information /credit. These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities, or any businesses that make inquiries about my personal information / credit. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(2)
In accordance with the written instructions of the consumer to whom it relates.
These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from consumer reports.
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the consumer to whom it relates.
Lenders cannot just access my credit report without my consent. The Fair Credit Reporting Act states that only businesses with a legitimate reason to check my credit report can do so, I must consent in writing to having my credit report pulled by anyone seeking specific information about my life in any way.
15 U.S. Code 1681 - Congressional findings and statement of purpose (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I read the Fair Credit Reporting Act where it said by law, I had the right to challenge anything that is not accurate on my reports. Some of the people reporting things on me, I have never heard of.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)Duty of furnishers of information to provide accurate information(1)Prohibition(A)Reporting information with actual knowledge of errors . A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The credit bureaus stated all my accounts on my credit reports were properly investigated. That cannot be possible if open dates, account numbers, amounts of accounts, last date active, as well as other information on reports that are incorrect, and inaccurate still on my credit report. These are the grounds that I am seeking to have all inaccurate, all information that I have not given written permission to be published or released in my credit report.
How credit bureaus violated my rights:
1.Violated my right to privacy.
2.Inaccurate information in reports.
3.Published personal information on reports without my written permission.
4.Credit bureaus took more than thirty days to complete their investigation.
15 U.S. Code 1681n - Civil liability for willful noncompliance
(a)IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
(A)
any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; and the removal of account on report.
I want one hundred dollars to, one thousand dollars per violation, and the removal of any inaccurate information, any information that I have not given in writing to be published on any credit report (i.e., addresses, employment history, names, phone numbers, date of birth,) any information that is not one hundred percent correct.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION(1)PROHIBITION(A)Reporting information with actual knowledge of errors person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..(B)Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if(i)the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and(b) the information is, in fact, inaccurate.
15 U.S.C. 1681 section 604 A section 2 to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.For purposes of subparagraph (A), the term reasonable cause to believe that the information is inaccurate means specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 U.S.C. Sec. 1681i(a), I have been made aware that you cannot provide.
proof that an account is one- hundred percent accurate the accounts must be deleted from my credit report. I want One Hundred Dollars to, One Thousand Dollars, and the accounts deleted if they are not one hundred percent correct on my credit report. I have been informed that the credit bureaus have only thirty days to complete, as well as correct my credit reports. I will enclose my certified mail tracking number to insure receipt of this document.
Thank youXXXX XXXX XXXX XXXX
Personal Information:
Name: XXXX XXXX
SSN: XXXX D.O.B. XXXX
Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Telephone: XXXX Email: XXXX
*The Following accounts are in violations on multiply basis on my consumer reports. I request resolution in the form of : one hundred dollars, to one thousand dollars, for every violation that has been published on my report violating my privacy, published without my written permission, Is not one hundred percent verified as well as one hundred percent accurate, and completely removed from my credit reports permanently. I am requesting that this investigation be conducted within thirty days. *
Accounts:
Account Name: XXXX XXXX Account NumberXXXX XXXX
High Balance: XXXX - (incorrect)
Last Verified: XXXX - (Incorrect, not verified correctly)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: $ XXXX - (Balance is Incorrect)
Closed Date: None Listed- (Not verified)
Account Rating: Open (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Not verified.
Creditor Type: Bank Credit Cards
Account Status: Open
Payment Status: Current (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment: XXXX XXXX XXXX (Incorrect Not Verified)
Term Length: Not Verified
Past Due Amount: Incorrect Not verified.
Account Type: Credit Card
Payment Frequency: Incorrect Not Verified
Credit Limit: XXXX XXXX
Two Year History: Incorrect Not Verified
Days Late 7-year History: Incorrect Not Verified
Account Name: XXXX XXXX
Account Number: XXXX
High Balance: XXXX - (incorrect)
Last Verified: XXXX XXXX (Incorrect, not verified correctly)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX - (Balance is Incorrect)
Closed Date: XXXX- (Not verified)
Account Rating: Derogatory (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Bank Credit Cards
Account Status: Closed
Payment Status: Collection/ Charge off (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment: XXXX XXXX (Incorrect Not Verified)
Term Length: Not Verified
Past Due Amount: Incorrect Not verified.
Account Type: Credit Card
Payment Frequency: Incorrect Not Verified
Credit Limit: XXXX
Two Year History: Incorrect Not Verified
Days Late 7-year History: Incorrect Not Verified
Account Name: XXXX XXXX
Account NumberXXXX XXXX
High Balance: XXXX (incorrect Not Verified)
Last Verified: XXXX (Incorrect, not verified correctly)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX - (Balance is Incorrect)
Closed Date: XXXX (Incorrect Not verified)
Account Rating: Derogatory (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Miscellaneous Bank
Account Status: Closed
Payment Status: Collection/ Charge off (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment: XXXX (Incorrect Not Verified)
Term Length: Not Verified
Past Due Amount: XXXX (Incorrect Not verified)
Account Type: Credit Card
Payment Frequency: Incorrect Not Verified
Credit LimitXXXX XXXX (Incorrect Not Verified)
Two Year History: Incorrect Not Verified
Days Late 7-year History: Incorrect Not Verified
Account Name: XXXX
Account Number: XXXX
High Balance: - XXXX (incorrect Not verified)
Last Verified: - XXXX (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX - (Balance is Incorrect)
Closed Date:XXXX (Not verified)
Account Rating: Closed (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Miscellaneous Banks
Account Status: Closed (Incorrect Not Verified)
Payment Status: Collection/ Charge off (Incorrect Not Verified)
Creditor Remarks:( Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment: XXXX (Incorrect Not Verified)
Term Length: 24 months Not Verified
Past Due Amount: $ XXXX (Incorrect Not verified)
Account Type: Secured Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two Year History: Incorrect Not Verified
Days Late 7-year History: Incorrect Not Verified
Account Name: XXXX
Account Number: XXXX High Balance: - $XXXX (incorrect Not verified)
Last Verified: - XXXX (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX XXXX (Balance is Incorrect)
Closed Date:XXXX - (Not verified)
Account Rating: Refinance (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Sales Financing (Incorrect Not Verified)
Account Status: Closed (Incorrect Not Verified)
Payment Status: Closed - (Incorrect Not Verified)
Creditor Remarks closed due to refinance:( Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment: XXXX (Incorrect Not Verified)
Term Length: 16 months Not Verified
Past Due Amount: XXXX XXXX (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two Year History: Incorrect Not Verified
Days Late 7-year History: Incorrect Not Verified
Account Name: XXXX
Account Number: XXXX
High Balance: - $XXXX - (incorrect Not verified)
Last Verified: - XXXX (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: Open (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Sales Financing (Incorrect Not Verified)
Account Status: Open (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks - (Incorrect Not Verified)
Payment Amount: XXXX XXXX (Incorrect Not Verified)
Last Payment: XXXX (Incorrect Not Verified)
Term Length: 28 months Not Verified
Past Due Amount: XXXX XXXX (Incorrect Not verified)
Account Type: Unsecured Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Account Name: XXXX
Account Number: XXXX
High Balance: - XXXX XXXX (incorrect Not verified)
Last Verified:XXXX (Incorrect, not verified correctly)
Date of Last Activity: XXXX (Incorrect Not Verified)
Date Reported: XXXX - (Incorrect Date)
Date Opened: XXXX (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - XXXX - (Not verified)
Account Rating: Closed (Incorrect Not Verified)
Account Description: Individual (Incorrect Not Verified)
Account Status: Incorrect Not Verified
Creditor Type: Miscellaneous education (Incorrect Not Verified)
Account Status: Closed - (Incorrect Not Verified)
Payment Status: Current - (Incorrect Not Verified)
Creditor Remarks - (Incorrect Not Verified)
Payment Amount: $ XXXX (Incorrect Not Verified)
Last Payment: (Incorrect Not Verified)
Term Length: 120 months Not Verified
Past Due Amount: XXXX XXXX XXXXIncorrect Not verified)
Account Type: Educational Loan
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX XXXX XXXX XXXX Account Number: (Incorrect Not Verified)
High Balance: (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity: (Incorrect Not Verified)
Date Reported: - (Incorrect Date)
Date Opened: (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: (Incorrect Not Verified)
Account Description: (Incorrect Not Verified)
Account Status: (Incorrect Not Verified)
Creditor Type: (Incorrect Not Verified)
Account Status: - (Incorrect Not Verified)
Payment Status: - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: (Incorrect Not Verified)
Last Payment: (Incorrect Not Verified)
Term Length: months Not Verified
Past Due Amount: (Incorrect Not verified)
Account Type:
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX XXXX XXXX XXXX
Account Number: (Incorrect Not Verified)
High Balance: (incorrect Not verified)
Last Verified: (Incorrect, not verified correctly)
Date of Last Activity: (Incorrect Not Verified)
Date Reported: - (Incorrect Date)
Date Opened: (Incorrect Open Date)
Balance Owed: XXXX XXXX (Balance is Incorrect)
Closed Date: - (Not verified)
Account Rating: (Incorrect Not Verified)
Account Description: (Incorrect Not Verified)
Account Status: (Incorrect Not Verified)
Creditor Type: (Incorrect Not Verified)
Account Status: - (Incorrect Not Verified)
Payment Status: - (Incorrect Not Verified)
Creditor Remarks: - (Incorrect Not Verified)
Payment Amount: (Incorrect Not Verified)
Last Payment: (Incorrect Not Verified)
Term Length: months Not Verified
Past Due Amount: (Incorrect Not verified)
Account Type:
Payment Frequency: Incorrect Not Verified
Credit Limit: (Incorrect Not Verified)
Two- Year Payment History: Incorrect Not Verified
Account Name: XXXX XXXX XXXX
Account Number: XXXX - (Incorrect Not Verified)
High Balance: XXXX - (incorrect Not verified)
Last Verified:XXXX (I
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| 11/16/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX To whom it may concern : After I made the decision to use my rights under FCRA, I was looking to challenge any inaccurate information in my credit reports. By fighting back against this injustice, I am ensuring that the information on my credit report is accurate and reliable. I have every right to challenge any inaccuracies in a manner compliant with federal law when they are impacting my credit score and my ability to get loans. This is just an allegation. There's no proof that I'm delinquent or derogatory, so how can you report this? With all due respect, the claims within my report are wrong! You have to follow proper procedures if these claims are in your system and to be used in my credit reports! I challenge the accuracy and fairness of your findings by demanding evidence before you make any claims and take such drastic measures against my reputation. I know that you cant just decide which rules apply to your organization, so I won't let anyone report any false claims. It's important to make sure all of your claims are accurate and reported in the correct format- this is required by law ( FCRA ) as well as Metro 2 standards. For any negative account, I demand documentation/proof proving why your company considers it delinquent or derogatory. You have yet to provide me records documenting how your company verified and validated these accounts/claims. Your proof of each negative claim you placed on my credit report should also include proof of a permissible purpose for any inquiry into the account. It's time for me to get my life back! I need you to send over some physical proof of what has been done and an updated credit report. Either confirm that this matter has been reported correctly or remove it from the report immediately. I am giving you 30 days to investigate. These allegations are without merit. Please provide accurate and verified information for each claim. If any of these claims are not true, please delete them immediately so I can restore my good name.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXXXXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX - Hello, I'm requesting that you update your system with my correct name, which is XXXX XXXX. If you have any records of my name that differ from what I have provided, please delete them immediately. Thank you.
CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX AL XXXX - Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXX XXXX XXXX, XXXX, AL XXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History XXXX XXXX OK OK OK OK Account # : XXXX XXXX Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX Account XXXX : XXXX Account Status : XXXX Open Account Type : XXXX Installment Balance Owed : XXXX {$420.00} Credit Limit : XXXX {$0.00} Creditor Remarks : XXXX Account XXXX XXXX by consumer, meets FCRA requirements Creditor Type : - Unsecured loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$430.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$420.00} Payment Amount : XXXX {$84.00} Payment Status : XXXX Late 60 Days Term Length : XXXX XXXX The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information.
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
I want to bring to your attention High Balance ( XXXX ) reporting {$430.00} The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the XXXX. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately!
When I scrutinized Payment Status ( XXXX ) presenting Late 60 Days I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards.
Upon inspecting Account Type ( XXXX ) exhibiting Installment. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions.
Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself!
Viewing Date Opened ( XXXX ) demonstrating XX/XX/XXXX. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements?
XXXX - XXXX TransUnion TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX 2 Year Payment History XXXX OK OK OK OK OK OK OK OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} XXXX XXXX : XXXX Account closed by consumer Creditor Type : - XXXX XXXX Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$1000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The inaccurate information above was never verified to be in line with official reporting standards.
The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
Bring to your attention High Balance ( XXXX ) reporting {$1000.00} What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met!
Viewing Last Payment ( XXXX ) demonstrating XX/XX/XXXX. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas!
Upon inspecting Date of Last Activity ( XXXX ) exhibiting XX/XX/XXXX. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions.
When I scrutinized Date Opened ( XXXX ) presenting XX/XX/XXXX. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I want to bring to your attention Account # ( XXXX ) reporting XXXX. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!?
Viewing Payment Amount ( XXXX ) demonstrating {$0.00}. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately!
XXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History OK OK XXXX OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} XXXX XXXX : XXXX Closed XXXX XXXX : - Auto Loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$30000.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The information listed above has not been verified to meet compliance reporting standards or applicable consumer laws. I demand that this information be deleted immediately, as it is deficient.
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
Viewing Account # ( XXXX ) demonstrating XXXX The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards.
Lets examine High Balance ( XXXX ) showing {$30000.00} I bet you can't wait until I'm done with this account! The compliance standards are really important, and your reporting ability is clearly lacking.
As we know from the news lately -- inaccurate credit records lead to higher interest rates on loans or even worse... Prove that all information for this particular account has been verified.
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I want to bring to your attention Balance Owed ( XXXX ) reporting {$0.00} The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile!
I was looking at Account Description expressing Individual We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof!
Lets examine Date Opened ( XXXX ) showing XX/XX/XXXX. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of CDIA reporting requirements or remove my information from this account immediately!
XXXX - XXXX TransUnion TransUnion 2 Year Payment History XXXX XXXX OK OK Account # : XXXX XXXX Account Description : Individual Account Status : XXXX Closed Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} XXXX XXXX : XXXX Closed Creditor Type : - XXXX XXXX Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$430.00} Last Payment : XXXX XX/XX/XXXX Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Late 60 Days Term Length : XXXX XXXX The information in this report was never confirmed to be in compliance with the required reporting standards. The information is also deficient in that it has not been verified as accurate, complete, timely, or validated. I demand that this information be deleted immediately, as it does not meet the required standards.
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
Bring to your attention XXXX XXXX XXXX XXXX ) reporting {$0.00} I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX and what youre reporting for is not accurate.
I was looking at Payment Status ( XXXX ) expressing Late 60 Days. The accuracy of what youre reporting for this account is in question, and as such I demand that it be fixed immediately or else there will be legal action taken against you.
When I scrutinized Date Reported ( - ) presenting XX/XX/XXXX This account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable!
I want to bring to your attention Payment Amount ( XXXX ) reporting {$0.00}. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively.
I was looking at XXXX XXXX ( XXXX ) expressing Closed and I am shocked to see that there are numerous reported compliance breaches! The data for my account must be accurate, which can only happen if no deviations from standards for reporting exist. It's imperative that you ensure 100 % accuracy with all compliance standards! You must maintain the integrity of my information.
Please delete this account from my credit report immediately.
XXXX XXXX - XXXX TransUnion TransUnion 2 Year Payment History Account # : XXXX XXXX Account Description : Joint Account Status : XXXX Derogatory Account Type : XXXX Installment Balance Owed : XXXX {$0.00} Credit Limit : XXXX {$0.00} XXXX XXXX : XXXX Settled - less than full balance Creditor Type : - Auto Loan Date Opened : XXXX XX/XX/XXXX Date Reported : - XX/XX/XXXX Date of Last Activity : XXXX XX/XX/XXXX High Balance : XXXX {$17000.00} Last Payment : XXXX - Past Due Amount : XXXX {$0.00} Payment Amount : XXXX {$0.00} Payment Status : XXXX Current Term Length : XXXX XXXX The information provided above has not been verified and may not meet reporting standards. I insist that any incorrect or unsupported data be removed.
Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Lets examine Past Due Amount ( XXXX ) showing {$0.00} XXXX challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate!
Upon inspecting Payment Status ( XXXX ) exhibiting Current. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof!
Lets examine Date Opened ( XXXX ) showing XX/XX/XXXX The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them?
Lets examine 2 Year Payment History showing Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here!
Inquiries XXXX XXXX XX/XX/XXXX TransUnion This is an inquiry on my credit file without me knowing. I think it's wrong and should be removed or proof provided that you have permission to pursue this course of action under 15 USC 1681 et seq., section 604 I am asking for documentation ( physical documents ) showing compliance with FCRA guidelines so please reply as soon as possible!
XXXX XX/XX/XXXX TransUnion You must give permission for someone to access your personal information, and this should never have happened without verification of application for credit with the company in question. Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately.
XXXX XXXX XX/XX/XXXX TransUnion I was shocked to think that someone might make an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see my credit information without my permission. The Fair Credit Reporting Act makes it clear that only people with the proper paperwork can see my credit information, so please provide these documents immediately or delete any potential inquiries related with this company.
XXXX XXXX XX/XX/XXXX TransUnion The law clearly states that permission must be granted before someone accesses your personal information and this should never have happened without verification of application for credit with the company in question! Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately. '' XXXX XXXX XX/XX/XXXX TransUnion I found some credit inquiries on my credit report that I didn't authorize. I didn't authorize anyone from these companies to view my credit report, which is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights, so please verify and validate this information with these companies and provide me with copies of any documentation with my signature on it. I formally request that these fraudulent inquiries be immediately deleted from my credit file. You have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.
XXXX XX/XX/XXXX TransUnion I noticed unauthorized inquiries on my personal credit report, and contacted the creditors who placed the inquiries. I asked them to remove the inquiries and to stop their illegal activities, but they have failed to respond. I need your help to resolve this matter. I ask you to investigate the inquiry on Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX my credit report, and to remove it if it is found to be unauthorized. If it is found to be valid, I ask for a full description of your investigation procedures.
XXXX XXXX XXXX XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not grant this company authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
XXXX XXXX XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not authorize this company to review my credit report and request my credit score. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report. The presence of this inquiry is adversely affecting my credit score and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within XXXX ( XXXX ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
XXXX XXXX XX/XX/XXXX TransUnion I received a copy of my credit report and noticed that there were credit inquiries from companies that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it, so I would appreciate it if you could remove this inquiry from my credit file immediately. I would also appreciate receiving documentation that you have investigated and removed the unauthorized inquiries.
XXXX XXXX XX/XX/XXXX TransUnion XXXX was shocked to think that someone might make an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see this information without my permission. The Fair Credit Reporting Act makes it clear that only those with the proper paperwork can view credit report information, so please provide these documents immediately or delete any potential inquiries related with this company.
XXXX XXXX XX/XX/XXXX TransUnion I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. I don't know why this was reported, as you know this is not something that should have been reported. The Fair Credit Reporting Act states that no one may access your information without permission from you first. Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company. Otherwise, delete the alleged inquiries immediately.
XXXX XX/XX/XXXX TransUnion I was just looking at my credit report and noticed an inquiry that I don't remember authorizing. As you know, this isn't something that should be on my credit report! Under the Fair Credit Reporting Act, no one should be able to access my information without my permission, so please can you provide me with proof of what reason they had for doing so? I'm sure you'll agree that these inquiries shouldn't be on my credit after all!
XXXX XXXX XX/XX/XXXX TransUnion Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX .I did not know that companies were looking for my information. The one on your credit report was not familiar to me, but it looks like they put an inquiry without getting permission first. This is not possible unless something has been approved by me under U.S Code & 1681 es seq section 604 which states all users must have a permissible purpose when using consumer reports! Please remove this or send documentation proving how we can use these types of inquiries accordingly.
XXXX XXXX XX/XX/XXXX TransUnion .There are companies looking for my information without my permission. The company on my credit report was unfamiliar to me, but it looks like they made an inquiry without getting my permission first. This is not possible unless they have my permission to do so under U.S. Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly.
XXXX XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not grant this company authorization to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
XXXX XXXX XX/XX/XXXX TransUnion I received my credit report and was surprised to find an inquiry on it. As you know, this should not have been reported! The Fair Credit Reporting Act states that no one can access your information without your permission, so please provide me with proof of what reason they had for doing so by providing documentation containing signatures showing that I applied for a loan or line of business venture through their company, as well as any other relevant details. Im sure you will realize that these inquiries shouldnt be on my credit after all!
XXXX XX/XX/XXXX TransUnion The law states that you must give permission before someone accesses your personal information.
This should never have happened without verification of application for credit with the company in question. Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately.
XXXX XXXX XX/XX/XXXX TransUnion! I was very disturbed to think that someone might be looking at my credit report without my permission. I can't believe that anyone would be able to see this information without my prior consent. The Fair Credit Reporting Act states that only those with a legitimate purpose can access credit report information, so please provide me with the documents that justify this inquiry immediately or delete any potential inquiries related with this company as soon as possible!
XXXX XXXX XX/XX/XXXX TransUnion I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states that no one may access your information without permission from YOU first, so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of-business venture through their company, as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!
XXXX XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not authorize this company to review my credit XXXX XXXX of XXXX
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| 12/13/2022 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Here are a list of all items in which are in violation of my federally protected consumer rights.
1. Address/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Note this is a non-mailable
address.
2. Address/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note This is a non-mailable
address.
3. Address/ XXXX XXXX XXXX XXXX XXXX XXXX This is a non-mailable address
Here are the list of all Accounts in which are in violation of my federally protected consumer
rights.
1. XXXX XXXX XXXX XXXX XXXX XXXX NOTE DATE ARE
INCORRECT FOR ALL 3 CREDIT BUREAUS AND THERE ARE THREE DIFFENT ACCOUNT
NUMBERS AND A VIALOTION OF THE EDUCATIONAL PRIVACY ACT OF 1974- 15 USC 6802 B1. THESE ACCOUNTS ARE TO BE REMOVED
2. ONEMAIN XXXX XXXX NOTE SHOULD BE LISTED AS
PAID AS AGREED THERE WAS NEVER ANY LATE PAY AND THIS IS A VIOLATION
OF 15 USC 6802 B-1 IT IS ALSO UNLAWFUL TO REPORT TRANSACTION HISTORY
3. INQUIRIES ALL HARD AND SOFT INQUIRIES SHOULD BE REMOVE ASAP. THESE INQUIRIES
ARE IN VIOLATION OF 15 USC 1681- 15 USC6803 B - 16 CFR PART 313.1-7
12/12/2020
Shelton Quantail Page
929 hubbard rd
Rowland NC, 28383
Consumer Financial Protection Bureau
PO Box 27170. Washington, DC 20038
Violations of Shelton Quantail Page Federal Protected consumer Rights
The violator of Shelton Quantail Page Federal Protected Consumer Right is Experian, Equifax
and TransUnion. Here are the rights and codes in which where violated listed below.
15 U.S. Code 6803 -
Disclosure of institution
privacy policy
(a)DISCLOSURE REQUIREDAt the time of establishing a customer relationship with
a consumer and not less than annually during the continuation of such relationship,
a financial institution shall provide a clear and conspicuous disclosure to such consumer, in
writing or in electronic form or other form permitted by the regulations prescribed
under section 6804 of this title, of such financial institutions policies and practices with
respect to
(1)
disclosing nonpublic personal information to affiliates and nonaffiliated third parties,
consistent with section 6802 of this title, including the categories of information that may
be disclosed;
(2)
disclosing nonpublic personal information of persons who have ceased to be customers of
the financial institution; and
(3)
protecting the nonpublic personal information of consumers.
(b)REGULATIONS
Disclosures required by subsection (a) shall be made in accordance with the regulations
prescribed under section 6804 of this title.
(c)INFORMATION TO BE INCLUDEDThe disclosure required by subsection (a) shall include
(1)the policies and practices of the institution with respect to disclosing nonpublic
personal information to nonaffiliated third parties, other than agents of the institution,
consistent with section 6802 of this title, and including
[Type the company name]
2
(A)
the categories of persons to whom the information is or may be disclosed, other than the
persons to whom the information may be provided pursuant to section 6802(e) of this
title; and
(B)
the policies and practices of the institution with respect to disclosing of nonpublic personal
information of persons who have ceased to be customers of the financial institution;
(2)
the categories of nonpublic personal information that are collected by the financial
institution;
(3)
the policies that the institution maintains to protect the confidentiality and security
of nonpublic personal information in accordance with section 6801 of this title; and
(4)
the disclosures required, if any, under section 1681a(d)(2)(A)(iii) of this title.
(d)EXEMPTION FOR CERTIFIED PUBLIC ACCOUNTANTS
(1)IN GENERALThe disclosure requirements of subsection (a) do not apply to any person,
to the extent that the person is
(A)
a certified public accountant;
(B)
certified or licensed for such purpose by a State; and
(C)
subject to any provision of law, rule, or regulation issued by a legislative or regulatory
body of the State, including rules of professional conduct or ethics, that prohibits
disclosure of nonpublic personal information without the knowing and expressed consent
of the consumer.
(2)LIMITATION
Nothing in this subsection shall be construed to exempt or otherwise exclude any financial
institution that is affiliated or becomes affiliated with a certified public accountant
described in paragraph (1) from any provision of this section.
15 U.S. Code 1681b - Permissible purposes of consumer reports
(a)IN GENERALSubject to subsection (c), any consumer reporting agency may furnish
a consumer report under the following circumstances and no other:
(1)
In response to the order of a court having jurisdiction to issue such an order, a subpoena
issued in connection with proceedings before a Federal grand jury, or a subpoena issued in
accordance with section 5318 of title 31 or section 3486 of title 18.
(2)
In accordance with the written instructions of the consumer to whom it relates.
(3)To a person which it has reason to believe
(A)
intends to use the information in connection with a credit transaction involving
the consumer on whom the information is to be furnished and involving the extension
of credit to, or review or collection of an account of, the consumer; or
(B)
intends to use the information for employment purposes; or
3
(C)
intends to use the information in connection with the underwriting of insurance involving
the consumer; or
(D)
intends to use the information in connection with a determination of the consumers
eligibility for a license or other benefit granted by a governmental instrumentality required
by law to consider an applicants financial responsibility or status; or
(E)
intends to use the information, as a potential investor or servicer, or current insurer, in
connection with a valuation of, or an assessment of the credit or prepayment risks
associated with, an existing credit obligation; or
(F)otherwise has a legitimate business need for the information
(i)
in connection with a business transaction that is initiated by the consumer; or
(ii)
to review an account to determine whether the consumer continues to meet the terms of
the account.
(G)
executive departments and agencies in connection with the issuance of governmentsponsored individually-billed travel charge cards.
(4)In response to a request by the head of a State or local child support enforcement
agency (or a State or local government official authorized by the head of such an agency),
if the person making the request certifies to the consumer reporting agency that
(A)
the consumer report is needed for the purpose of establishing an individuals capacity to
make child support payments, determining the appropriate level of such payments, or
enforcing a child support order, award, agreement, or judgment;
(B)
the parentage of the consumer for the child to which the obligation relates has been
established or acknowledged by the consumer in accordance with State laws under which
the obligation arises (if required by those laws); and
(C)
the consumer report will be kept confidential, will be used solely for a purpose described in
subparagraph (A), and will not be used in connection with any other civil, administrative,
or criminal proceeding, or for any other purpose.
(5)
To an agency administering a State plan under section 654 of title 42 for use to set an
initial or modified child support award.
(6)
To the Federal Deposit Insurance Corporation or the National Credit Union
Administration as part of its preparation for its appointment or as part of its exercise of
powers, as conservator, receiver, or liquidating agent for an insured depository institution
or insured credit union under the Federal Deposit Insurance Act [12 U.S.C. 1811 et seq.]
or the Federal Credit Union Act [12 U.S.C. 1751 et seq.], or other applicable Federal
or State law, or in connection with the resolution or liquidation of a failed or failing insured
depository institution or insured credit union, as applicable.
(b)CONDITIONS FOR FURNISHING AND USING CONSUMER REPORTS FOR EMPLOYMENT PURPOSES
(1)CERTIFICATION FROM USERA consumer reporting agency may furnish a consumer
report for employment purposes only if
[Type the company name]
4
(A)the person who obtains such report from the agency certifies to the agency that
(i)
the person has complied with paragraph (2) with respect to the consumer report, and
the person will comply with paragraph (3) with respect to the consumer report if
paragraph (3) becomes applicable; and
(ii)
information from the consumer report will not be used in violation of any applicable
Federal or State equal employment opportunity law or regulation; and
(B)
the consumer reporting agency provides with the report, or has previously provided, a
summary of the consumers rights under this subchapter, as prescribed by
the Bureau under section 1681g(c)(3) [1] of this title.
(2)DISCLOSURE TO CONSUMER
(A)In generalExcept as provided in subparagraph (B), a person may not procure
a consumer report, or cause a consumer report to be procured, for employment
purposes with respect to any consumer, unless
(i)
a clear and conspicuous disclosure has been made in writing to the consumer at any time
before the report is procured or caused to be procured, in a document that consists solely
of the disclosure, that a consumer report may be obtained for employment purposes; and
(ii)
the consumer has authorized in writing (which authorization may be made on the
document referred to in clause (i)) the procurement of the report by that person.
(B)Application by mail, telephone, computer, or other similar meansIf
a consumer described in subparagraph (C) applies for employment by mail, telephone,
computer, or other similar means, at any time before a consumer report is procured or
caused to be procured in connection with that application
(i)
the person who procures the consumer report on the consumer for employment
purposes shall provide to the consumer, by oral, written, or electronic means, notice that
a consumer report may be obtained for employment purposes, and a summary of
the consumers rights under section 1681m(a)(3) 1 of this title; and
(ii)
the consumer shall have consented, orally, in writing, or electronically to the procurement
of the report by that person.
(C)ScopeSubparagraph (B) shall apply to a person procuring a consumer report on
a consumer in connection with the consumers application for employment only if
(i)
the consumer is applying for a position over which the Secretary of Transportation has the
power to establish qualifications and maximum hours of service pursuant to the provisions
of section 31502 of title 49, or a position subject to safety regulation by
a State transportation agency; and
(ii)
as of the time at which the person procures the report or causes the report to be procured
the only interaction between the consumer and the person in connection with that
employment application has been by mail, telephone, computer, or other similar means.
(3)CONDITIONS ON USE FOR ADVERSE ACTIONS
(A)In generalExcept as provided in subparagraph (B), in using a consumer
report for employment purposes, before taking any adverse action based in whole or in
5
part on the report, the person intending to take such adverse action shall provide to
the consumer to whom the report relates
(i)
a copy of the report; and
(ii)
a description in writing of the rights of the consumer under this subchapter, as prescribed
by the Bureau under section 1681g(c)(3) 1 of this title.
(B)Application by mail, telephone, computer, or other similar means
(i)If a consumer described in subparagraph (C) applies for employment by mail,
telephone, computer, or other similar means, and if a person who has procured
a consumer report on the consumer for employment purposes takes adverse action on the
employment application based in whole or in part on the report, then the person must
provide to the consumer to whom the report relates, in lieu of the notices required under
subparagraph (A) of this section and under section 1681m(a) of this title, within 3
business days of taking such action, an oral, written or electronic notification
(I)
that adverse action has been taken based in whole or in part on a consumer
report received from a consumer reporting agency;
(II)
of the name, address and telephone number of the consumer reporting agency that
furnished the consumer report (including a toll-free telephone number established by the
agency if the agency compiles and maintains files on consumers on a nationwide basis);
(III)
that the consumer reporting agency did not make the decision to take the adverse
action and is unable to provide to the consumer the specific reasons why the adverse
action was taken; and
(IV)
that the consumer may, upon providing proper identification, request a free copy of a
report and may dispute with the consumer reporting agency the accuracy or completeness
of any information in a report.
(ii)
If, under clause (B)(i)(IV), the consumer requests a copy of a consumer report from
the person who procured the report, then, within 3 business days of receiving
the consumers request, together with proper identification, the person must send or
provide to the consumer a copy of a report and a copy of the consumers rights as
prescribed by the Bureau under section 1681g(c)(3) 1 of this title.
(C)ScopeSubparagraph (B) shall apply to a person procuring a consumer report on
a consumer in connection with the consumers application for employment only if
(i)
the consumer is applying for a position over which the Secretary of Transportation has the
power to establish qualifications and maximum hours of service pursuant to the provisions
of section 31502 of title 49, or a position subject to safety regulation by
a State transportation agency; and
(ii)
as of the time at which the person procures the report or causes the report to be procured
the only interaction between the consumer and the person in connection with that
employment application has been by mail, telephone, computer, or other similar means.
(4)EXCEPTION FOR NATIONAL SECURITY INVESTIGATIONS
(A)In generalIn the case of an agency or department of the United States Government
which seeks to obtain and use a consumer report for employment purposes, paragraph (3)
[Type the company name]
6
shall not apply to any adverse action by such agency or department which is based in part
on such consumer report, if the head of such agency or department makes a written
finding that
(i)
the consumer report is relevant to a national security investigation of such agency or
department;
(ii)
the investigation is within the jurisdiction of such agency or department;
(iii)there is reason to believe that compliance with paragraph (3) will
(I)
endanger the life or physical safety of any person;
(II)
result in flight from prosecution;
(III)
result in the destruction of, or tampering with, evidence relevant to the investigation;
(IV)
result in the intimidation of a potential witness relevant to the investigation;
(V)
result in the compromise of classified information; or
(VI)
otherwise seriously jeopardize or unduly delay the investigation or another official
proceeding.
(B)Notification of consumer upon conclusion of investigationUpon the conclusion of
a national security investigation described in subparagraph (A), or upon the determination
that the exception under subparagraph (A) is no longer required for the reasons set forth
in such subparagraph, the official exercising the authority in such subparagraph shall
provide to the consumer who is the subject of the consumer report with regard to which
such finding was made
(i)
a copy of such consumer report with any classified information redacted as necessary;
(ii)
notice of any adverse action which is based, in part, on the consumer report; and
(iii)
the identification with reasonable specificity of the nature of the investigation for which
the consumer report was sought.
(C)Delegation by head of agency or department
For purposes of subparagraphs (A) and (B), the head of any agency or department of the
United States Government may delegate his or her authorities under this paragraph to an
official of such agency or department who has personnel security responsibilities and is a
member of the Senior Executive Service or equivalent civilian or military rank.
(D)DefinitionsFor purposes of this paragraph, the following definitions shall apply:
(i)Classified information
The term classified information means information that is protected from unauthorized
disclosure under Executive Order No. 12958 or successor orders.
(ii)National security investigation
The term national security investigation means any official inquiry by an agency or
department of the United States Government to determine the eligibility of a consumer to
7
receive access or continued access to classified information or to determine
whether classified information has been lost or compromised.
(c)FURNISHING REPORTS IN CONNECTION WITH CREDIT OR INSURANCE TRANSACTIONS THAT ARE
NOT INITIATED BY CONSUMER
(1)IN GENERALA consumer reporting agency may furnish a consumer report relating to
any consumer pursuant to subparagraph (A) or (C) of subsection (a)(3) in connection with
any credit or insurance transaction that is not initiated by the consumer only if
(A)
the consumer authorizes the agency to provide such report to such person; or
(B)
(i)
the transaction consists of a firm offer of credit or insurance;
(ii)
the consumer reporting agency has complied with subsection (e);
(iii)
there is not in effect an election by the consumer, made in accordance with subsection (e),
to have the consumers name and address excluded from lists of names provided by the
agency pursuant to this paragraph; and
(iv)
the consumer report does not contain a date of birth that shows that the consumer has
not attained the age of 21, or, if the date of birth on the consumer report shows that
the consumer has not attained the age of 21, such consumer consents to the consumer
reporting agency to such furnishing.
(2)LIMITS ON INFORMATION RECEIVED UNDER PARAGRAPH (1)(B)A person may receive
pursuant to paragraph (1)(B) only
(A)
the name and address of a consumer;
(B)
an identifier that is not unique to the consumer and that is used by the person solely for
the purpose of verifying the identity of the consumer; and
(C)
other information pertaining to a consumer that does not identify the relationship or
experience of the consumer with respect to a particular creditor or other entity.
(3)INFORMATION REGARDING INQUIRIES
Except as provided in section 1681g(a)(5) of this title, a consumer reporting agency shall
not furnish to any person a record of inquiries in connection with a credit or insurance
transaction that is not initiated by a consumer.
(d)RESERVED
(e)ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS
(1)IN GENERAL
A consumer may elect to have the consumers name and address excluded from any list
provided by a consumer reporting agency under subsection (c)(1)(B) in connection with
a credit or insurance transaction that is not initiated by the consumer, by notifying the
agency in accordance with paragraph (2) that the consumer does not consent to any use
of a consumer report relating to the consumer in connection with any credit or insurance
transaction that is not initiated by the consumer.
(2)MANNER OF NOTIFICATIONA consumer shall notify a consumer reporting agency under
paragraph (1)
[Type the company name]
8
(A)
through the notification system maintained by the agency under paragraph (5); or
(B)
by submitting to the agency a signed notice of election form issued by the agency for
purposes of this subparagraph.
(3)RESPONSE OF AGENCY AFTER NOTIFICATION THROUGH SYSTEMUpon receipt of notification of
the election of a consumer under paragraph (1) through the notification system
maintained by the agency under paragraph (5), a consumer reporting agency shall
(A)
inform the consumer that the election is effective only for the 5-year period following the
election if the consumer does not submit to the agency a signed notice of election form
issued by the agency for purposes of paragraph (2)(B); and
(B)
provide to the consumer a notice of election form, if requested by the consumer, not later
than 5 business days after receipt of the notification of the election through the system
established under paragraph (5), in the case of a request made at the time
the consumer provides notification through the system.
(4)EFFECTIVENESS OF ELECTIONAn election of a consumer under paragraph (1)
(A)
shall be effective with respect to a consumer reporting agency beginning 5 business days
after the date on which the consumer notifies the agency in accordance with paragraph
(2);
(B)shall be effective with respect to a consumer reporting agency
(i)
subject to subparagraph (C), during the 5-year period beginning 5 business days after the
date on which the consumer notifies the agency of the election, in the case of an election
for which a consumer notifies the agency only in accordance with paragraph (2)(A); or
(ii)
until the consumer notifies the agency under subparagraph (C), in the case of an election
for which a consumer notifies the agency in accordance with paragraph (2)(B);
(C)
shall not be effective after the date on which the consumer notifies the agency, through
the notification system established by the agency under paragraph (5), that the election is
no longer effective; and
(D)
shall be effective with respect to each affiliate of the agency.
(5)NOTIFICATION SYSTEM
(A)In generalEach consumer reporting agency that, under subsection (c)(1)(B),
furnishes a consumer report in connection with a credit or insurance transaction that is not
initiated by a consumer, shall
(i)
establish and maintain a notification system, including a toll-free telephone number, which
permits any consumer whose consumer report is maintained by the agency to notify the
agency, with appropriate identification, of the consumers election to have the consumers
name and address excluded from any such list of names and addresses provided by the
agency for such a transaction; and
(ii)publish by not later than 365 days after September 30, 1996, and not less than
annually thereafter, in a publication of general circulation in the area served by the
agency
9
(I)
a notification that information in consumer files maintained by the agency may be used in
connection with such transactions; and
(II)
the address and toll-free telephone number for consumers to use to notify the agency of
the consumers election under clause (i).
(B)Establishment and maintenance as compliance
Establishment and maintenance of a notification system (including a toll-free telephone
number) and publication by a consumer reporting agency on the agencys own behalf and
on behalf of any of its affiliates in accordance with this paragraph is deemed to be
compliance with this paragraph by each of those affiliates.
(6)NOTIFICATION SYSTEM BY AGENCIES THAT OPERATE NATIONWIDE
Each consumer reporting agency that compiles and maintains files on consumers on a
nationwide basis shall establish and maintain a notification system for purposes of
paragraph (5) jointly with other such consumer reporting agencies.
(f)CERTAIN USE OR OBTAINING OF INFORMATION PROHIBITEDA person shall not use or obtain
a consumer report for any purpose unless
(1)
the consumer report is obtained for a purpose for which the consumer report is authorized
to be furnished under this section; and
(2)
the purpose is certified in accordance with section 1681e of this title by a prospective user
of the report through a general or specific certification.
(g)PROTECTION OF MEDICAL INFORMATION
(1)LIMITATION ON CONSUMER REPORTING AGENCIESA consumer reporting agency shall not
furnish for employment purposes, or in connection with a credit or insurance transaction,
a consumer report that contains medical information (other than medical contact
information treated in the manner required under section 1681c(a)(6) of this title) about
a consumer, unless
(A)
if furnished in connection with an insurance transaction, the consumer affirmatively
consents to the furnishing of the report;
(B)if furnished for employment purposes or in connection with a credit transaction
(i)
the information to be furnished is relevant to process or effect the employment
or credit transaction; and
(ii)
the consumer provides specific written consent for the furnishing of the report that
describes in clear and conspicuous language the use for which the information will be
furnished; or
(C)
the information to be furnished pertains solely to transactions, accounts, or balances
relating to debts arising from the receipt of medical services, products, or devises, where
such information, other than account status or amounts, is restricted or reported using
codes that do not identify, or do not provide information sufficient to infer, the specific
provider or the nature of such services, products, or devices, as provided in section
1681c(a)(6) of this title.
(2)LIMITATION ON CREDITORS
[Type the company name]
10
Except as permitted pursuant to paragraph (3)(C) or regulations prescribed under
paragraph (5)(A), a creditor shall not obtain or use medical information (other than
medical information treated in the manner required under section 1681c(a)(6) of this title)
pertaining to a consumer in connection with any determination of the consumers
eligibility, or continued eligibility, for credit.
(3)ACTIONS AUTHORIZED BY FEDERAL LAW, INSURANCE ACTIVITIES AND REGULATORY
DETERMINATIONSSection 1681a(d)(3) of this title shall not be construed so as to treat
information or any communication of information as a consumer report if the information
or communication is disclosed
(A)
in connection with the business of insurance or annuities, including the activities described
in section 18B of the model Privacy of Consumer Financial and Health Information
Regulation issued by the National Association of Insurance Commissioners (as in effect
on January 1, 2003);
(B)
for any purpose permitted without authorization under the Standards for Individually
Identifiable Health Information promulgated by the Department of Health and Human
Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or
referred to under section 1179 of such Act,1 or described in section 6802(e) of this title; or
(C)
as otherwise determined to be necessary and appropriate, by regulation or order, by
the Bureau or the applicable State insurance authority (with respect to
any person engaged in providing insurance or annuities).
(4)LIMITATION ON REDISCLOSURE OF MEDICAL INFORMATION
Any person that receives medical information pursuant to paragraph (1) or (3) shall not
disclose such information to any other person, except as necessary to carry out the
purpose for which the information was initially disclosed, or as otherwise permitted by
statute, regulation, or order.
(5)REGULATIONS AND EFFECTIVE DATE FOR PARAGRAPH (2)
(A) [2] Regulations required
The Bureau may, after notice and opportunity for comment, prescribe regulations that
permit transactions under paragraph (2) that are determined to be necessary and
appropriate to protect legitimate operational, transactional, risk, consumer, and other
needs (and which shall include permitting actions necessary for administrative verification
purposes), consistent with the intent of paragraph (2) to restrict the use of medical
information for inappropriate purposes.
(6)COORDINATION WITH OTHER LAWS
No provision of this subsection shall be construed as altering, affecting, or superseding the
applicability of any other provision of Federal law relating to medical confidentiality.
(Pub. L. 90321, title VI, 604, as added Pub. L. 91508, title VI, 601, Oct. 26,
1970, 84 Stat. 1129; amended Pub. L. 10173, title IX, 964(c), Aug. 9, 1989, 103 Stat.
506; Pub. L. 104193, title III, 352, Aug. 22, 1996, 110 Stat. 2240; Pub. L. 104208,
div. A, title II, 2403, 2404(a), (b), 2405, Sept. 30, 1996, 110 Stat. 3009430, 3009
431, 3009433, 3009434; Pub. L. 105107, title III, 311(a), Nov. 20, 1997, 111 Stat.
2255; Pub. L. 105347, 2, 3, 6(4), Nov. 2, 1998, 112 Stat. 3208, 3210, 3211; Pub. L.
107306, title VIII, 811(b)(8)(A), Nov. 27, 2002, 116 Stat. 2426; Pub. L. 108159, title
II, 213(c), title IV, 411(a), 412(f), title VIII, 811(b), Dec. 4, 2003, 117 Stat. 1979,
1999, 2003, 2011; Pub. L. 108177, title III, 361(j), Dec. 13, 2003, 117 Stat.
2625; Pub. L. 109351, title VII, 719, Oct. 13, 2006, 120 Stat. 1998; Pub. L. 110161,
11
div. D, title VII, 743, Dec. 26, 2007, 121 Stat. 2033; Pub. L. 11124, title III, 302, May
22, 2009, 123 Stat. 1748; Pub. L. 111203, title X, 1088(a)(2)(A), (4), July 21,
2010, 124 Stat. 2087; Pub. L. 11494, div. G, title LXXX, 80001, Dec. 4, 2015, 129 Stat.
1792; Pub. L. 116283, div. F, title LXIII, 6308(b), Jan. 1, 2021, 134 Stat. 4594.)
17 CFR 248.7 - Form of opt out notice to consumers; opt out methods.
248.7 Form of opt out notice to consumers; opt out methods.
(a)
(1) Form of opt out notice. If you are required to provide an opt out notice under 248.10(a),
you must provide a clear and conspicuous notice to each of your consumers that accurately
explains the right to opt out under that section. The notice must state:
(i) That you disclose or reserve the right to disclose nonpublic personal information about
your consumer to a nonaffiliated third party;
(ii) That the consumer has the right to opt out of that disclosure; and
(iii) A reasonable means by which the consumer may exercise the opt out right.
(2) Examples -
(i) Adequate opt out notice. You provide adequate notice that the consumer can opt out of
the disclosure of nonpublic personal information to a nonaffiliated third party if you:
(A) Identify all of the categories of nonpublic personal information that you disclose or
reserve the right to disclose, and all of the categories of nonaffiliated third parties to
which you disclose the information, as described in 248.6(a)(2) and (3) and state that the
consumer can opt out of the disclosure of that information; and
(B) Identify the financial products or services that the consumer obtains from you, either
singly or jointly, to which the opt out direction would apply.
(ii) Reasonable opt out means. You provide a reasonable means to exercise an opt out right
if you:
(A) Designate check-off boxes in a prominent position on the relevant forms with the opt
out notice;
(B) Include a reply form together with the opt out notice;
(C) Provide an electronic means to opt out, such as a form that can be sent via electronic
mail or a process at your web site, if the consumer agrees to the electronic delivery of
information; or
(D) Provide a toll-free telephone number that consumers may call to opt out.
(iii) Unreasonable opt out means. You do not provide a reasonable means of opting out if:
[Type the company name]
12
(A
|
| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX and # XXXX and # XXXX, in the amount of {$1800.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, in the amount of {$710.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX, and XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and # XXXX, in the amount of {$920.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, in the amount of {$820.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX and XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and # XXXX, in the amount of {$1800.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX and XXXX, in the amount of {$2600.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$700.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX, and XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$310.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX, and XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX and # XXXX, in the amount of {$6200.00} and {$160.00} and has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX in the amount of {$460.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX, in the amount of {$820.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting acXXXX XXXX XXXX XXXX XXXX in the amount of {$1100.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Acct XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX in the amount of {$16000.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation foXXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$4100.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Account XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, in the amount of {$910.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Account XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXn the amount of {$160.00} and {$6200.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Date : XX/XX/2023 Re : Validation for Account XXXX XXXX XXXX XXXX To Whom It May Concern : This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation.
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you.
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, in the amount of {$1000.00} has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX I am requesting that the accounts that are reporting incorrectly as open, but reflect a past due balance be removed, According to FCRA, I have the right to an accurate credit report. Please provide me a copy of my new credit report reflecting the accounts deletion.
Furthermore, any attempt to collect an alleged debtless than 30 days ago. Please be advised that I hereby dispute the validity of the above-listed debts in its entirety. I request verification/Validation of the alleged debt and specifically request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided with a billing statement, notice, or any unsigned documents is not verification of the alleged debt. You are on Notice that you are unlawfully attempting to collect the above listed alleged debt. Cease and desist all collection activity including reporting agencies ( CRAs ). Providing me the specific verification documents above shall not be deemed collection activity. If you comply with my cease collection and deletion request, then you are excused from verification.
If you opt to provide verification, also provide proof of the chain of title of ownership of the debt. If the alleged debt was acquired by a debt buyer, then proof of the chain of title of the alleged original creditor to the current alleged owner without any break in chain.
This letter is evidence that may be provided to the Consumer Finacial Protection Bureau ( CFPB ). The CFPB is autho
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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In accordance with the Fair Credit Reporting Act : XXXX, TransUnion, XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to Privacy.
15 U.S.C. 1681 Section 604 A.section 2 : It also states a consumer reporting agency can not furnish a account without my written consent instructions.
I need all these accounts listed investigated and information from your investigated forwarded to me at XXXX or my current home address of XXXX XXXX XXXX XXXX, XXXX XXXX I also want all addresses that are listed on my credit report removed because i have lived at this address for two years and my previous address i lived at up until this time was XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and other address are not mine and must be removed.
Account 's to be investigated and information to be sent to me as proof of your investigation. The electronic investigation never wins in the consumer favor because they never send validating information. I want signed contracts from all parties involved to prove i owe these debts listed.
1. XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Ut XXXX 2. XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa XXXX 3. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX SC XXXX 4. XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX 5. XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX, Ut XXXX 6. XXXX XXXX XXXX Account # XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX 7. XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX South Carolina XXXX My Name is : XXXX XXXX The Name XXXX XXXX isn't my name and must be deleted.
The Name XXXX XXXX isn't my name and must be deleted.
These are a few of the laws that have been violated. This warrant 's removal of the false or misleading information.
605A - 15 U.S.C. 1681c-1 the consumer reporting agency shall notify the requester of the existence of the discrepancy.
See also 16 CFR Part 641 72 Fed. Reg. 63771-72 ( 11/09/07 ) 74 Fed. Reg. 22640-41 ( 05/14/09 ) ( 2 ) Regulations ( A ) Regulations required. The Bureau shall, in consultation with the Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Federal Trade Commission, prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).
( B ) Policies and procedures to be included. The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established.
605A.Identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ] ( a ) One-call Fraud Alerts ( 1 ) Initial alerts. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall 605A - 15 U.S.C. 1681c-1 27 ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose; and ( B ) refer the information regarding the fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).
( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 612 ( d ) ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).
( b ) Extended Alerts ( 1 ) In general. Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who submits an identity theft report to a consumer reporting agency described in section 603 ( p ) that maintains a file on the consumer, if the agency has received appropriate proof of the identity of the requester, the agency shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, during the 7-year period beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period and the agency has received appropriate proof of the identity of the requester for such purpose ; ( B ) during the 5-year period beginning on the date of such request, exclude the consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the 28 605A - 15 U.S.C. 1681c-1 consumer or such representative requests that such exclusion be rescinded before the end of such period; and ( C ) refer the information regarding the extended fraud alert under this paragraph to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).
( 2 ) Access to free reports. In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request 2 free copies of the file of the consumer pursuant to section 612 ( d ) during the 12-month period beginning on the date on which the fraud alert was included in the file ; and ( B ) provide to the consumer all disclosures required to be made under section 609, without charge to the consumer, not later than 3 business days after any request described in subparagraph ( A ).
( c ) Active duty alerts. Upon the direct request of an active duty military consumer, or an individual acting on behalf of or as a personal representative of an active duty military consumer, a consumer reporting agency described in section 603 ( p ) that maintains a file on the active duty military consumer and has received appropriate proof of the identity of the requester shall ( 1 ) include an active duty alert in the file of that active duty military consumer, and also provide that alert along with any credit score generated in using that file, during a period of not less than 12 months, or such longer period as the Bureau shall determine, by regulation, beginning on the date of the request, unless the active duty military consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; ( 2 ) during the 2-year period beginning on the date of such request, exclude the active duty military consumer from any list of consumers prepared by the consumer reporting agency and provided to any third party to offer credit or insurance to the consumer as part of a transaction that was not initiated by the consumer, unless the consumer requests that such exclusion be rescinded before the end of such period ; and 605A - 15 U.S.C. 1681c-1 29 ( 3 ) refer the information regarding the active duty alert to each of the other consumer reporting agencies described in section 603 ( p ), in accordance with procedures developed under section 621 ( f ).
See also 16 CFR Part 613.1 69 Fed. Reg. 63922 ( XX/XX/XXXX ) ( d ) Procedures. Each consumer reporting agency described in section 603 ( p ) shall establish policies and procedures to comply with this section, including procedures that inform consumers of the availability of initial, extended, and active duty alerts and procedures that allow consumers and active duty military consumers to request initial, extended, or active duty alerts ( as applicable ) in a simple and easy manner, including by telephone.
( e ) Referrals of alerts. Each consumer reporting agency described in section 603 ( p ) that receives a referral of a fraud alert or active duty alert from another consumer reporting agency pursuant to this section shall, as though the agency received the request from the consumer directly, follow the procedures required under ( 1 ) paragraphs ( 1 ) ( A ) and ( 2 ) of subsection ( a ), in the case of a referral under subsection ( a ) ( 1 ) ( B ) ; ( 2 ) paragraphs ( 1 ) ( A ), ( 1 ) ( B ), and ( 2 ) of subsection ( b ), in the case of a referral under subsection ( b ) ( 1 ) ( C ) ; and ( 3 ) paragraphs ( 1 ) and ( 2 ) of subsection ( c ), in the case of a referral under subsection ( c ) ( 3 ).
( f ) Duty of reseller to reconvey alert. A reseller shall include in its report any fraud alert or active duty alert placed in the file of a consumer pursuant to this section by another consumer reporting agency.
( g ) Duty of other consumer reporting agencies to provide contact information.
If a consumer contacts any consumer reporting agency that is not described in section 603 ( p ) to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 603 ( p ) to obtain more detailed information and request alerts under this section.
( h ) Limitations on Use of Information for Credit Extensions ( 1 ) Requirements for initial and active duty alerts ( A ) Notification. Each initial fraud alert and active duty alert under this section shall include information that notifies all prospective users of a consumer report on the consumer to which the alert 30 605A - 15 U.S.C. 1681c-1 relates that the consumer does not authorize the establishment of any new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, except in accordance with subparagraph ( B ).
( B ) Limitation on Users ( i ) In general. No prospective user of a consumer report that includes an initial fraud alert or an active duty alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or grant any increase in credit limit on an existing credit account requested by a consumer, unless the user utilizes reasonable policies and procedures to form a reasonable belief that the user knows the identity of the person making the request.
( ii ) Verification. If a consumer requesting the alert has specified a telephone number to be used for identity verification purposes, before authorizing any new credit plan or extension described in clause ( i ) in the name of such consumer, a user of such consumer report shall contact the consumer using that telephone number or take reasonable steps to verify the consumers identity and confirm that the application for a new credit plan is not the result of identity theft.
( 2 ) Requirements for Extended Alerts ( A ) Notification. Each extended alert under this section shall include information that provides all prospective users of a consumer report relating to a consumer with ( i ) notification that the consumer does not authorize the establishment of any new credit plan or extension of credit described in clause ( i ), other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issuance of an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account 605A - 15 U.S.C. 1681c-1 31 requested by a consumer, except in accordance with subparagraph ( B ) ; and ( ii ) a telephone number or other reasonable contact method designated by the consumer.
( B ) Limitation on users. No prospective user of a consumer report or of a credit score generated using the information in the file of a consumer that includes an extended fraud alert in accordance with this section may establish a new credit plan or extension of credit, other than under an open-end credit plan ( as defined in section 103 ( i ) ), in the name of the consumer, or issue an additional card on an existing credit account requested by a consumer, or any increase in credit limit on an existing credit account requested by a consumer, unless the user contacts the consumer in person or using the contact method described in subparagraph ( A ) ( ii ) to confirm that the application for a new credit plan or increase in credit limit, or request for an additional card is not the result of identity theft.
( i ) National security freeze.
( 1 ) Definitions. For purposes of this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).
( B ) The term proper identification has the meaning of such term as used under section 610.
( C ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is subject to such security freeze to any person requesting the consumer report.
( 2 ) Placement of security freeze.
( A ) In general. Upon receiving a direct request from a consumer that a consumer reporting agency place a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the consumer; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the consumer.
32 605A - 15 U.S.C. 1681c-1 ( B ) Confirmation and additional information.
Not later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the consumer ; and ( ii ) inform the consumer of ( I ) the process by which the consumer may remove the security freeze, including a mechanism to authenticate the consumer ; and ( II ) the consumers right described in section 615 ( d ) ( 1 ) ( D ).
( C ) Notice to third parties. A consumer reporting agency may advise a third party that a security freeze has been placed with respect to a consumer under subparagraph ( A ).
( 3 ) Removal of security freeze.
( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a consumer only in the following cases : ( i ) Upon the direct request of the consumer.
( ii ) The security freeze was placed due to a material misrepresentation of fact by the consumer.
( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( ii ), the consumer reporting agency shall notify the consumer in writing prior to removing the security freeze.
( C ) Removal of security freeze by consumer request. Except as provided in subparagraph ( A ) ( ii ), a security freeze shall remain in place until the consumer directly requests that the security freeze be removed. Upon receiving a direct request from a consumer that a consumer reporting agency remove a security freeze, and upon receiving proper identification from the consumer, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.
605A - 15 U.S.C. 1681c-1 33 ( D ) Third-party requests. If a third party requests access to a consumer report of a consumer with respect to which a security freeze is in effect, where such request is in connection with an application for credit, and the consumer does not allow such consumer report to be accessed, the third party may treat the application as incomplete.
( E ) Temporary removal of security freeze. Upon receiving a direct request from a consumer under subparagraph ( A ) ( i ), if the consumer requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( C ), remove the security freeze for the period of time specified by the consumer.
( 4 ) Exceptions. A security freeze shall not apply to the making of a consumer report for use of the following : ( A ) A person or entity, or a subsidiary, affiliate, or agent of that person or entity, or an assignee of a financial obligation owed by the consumer to that person or entity, or a prospective assignee of a financial obligation owed by the consumer to that person or entity in conjunction with the proposed purchase of the financial obligation, with which the consumer has or had prior to assignment an account or contract including a demand deposit account, or to whom the consumer issued a negotiable instrument, for the purposes of reviewing the account or collecting the financial obligation owed for the account, contract, or negotiable instrument. For purposes of this subparagraph, reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
( B ) Any Federal, State, or local agency, law enforcement agency, trial court, or private collection agency acting pursuant to a court order, warrant, or subpoena.
( C ) A child support agency acting pursuant to part D of title IV of the Social Security Act ( 42 U.S.C. 651 et seq. ).
( D ) A Federal agency or a State or its agents or assigns acting to investigate fraud or acting to investigate or collect delinquent taxes or unpaid court orders or to fulfill any of its other statutory responsibilities, provided such responsibilities are consistent with a permissible purpose under section 604.
34 605A - 15 U.S.C. 1681c-1 ( E ) By a person using credit information for the purposes described under section 604 ( c ).
( F ) Any person or entity administering a credit file monitoring subscription or similar service to which the consumer has subscribed.
( G ) Any person or entity for the purpose of providing a consumer with a copy of the consumers consumer report or credit score, upon the request of the consumer.
( H ) Any person using the information in connection with the underwriting of insurance.
( I ) Any person using the information for employment, tenant, or background screening purposes.
( J ) Any person using the information for assessing, verifying, or authenticating a consumers identity for purposes other than the granting of credit, or for investigating or preventing actual or potential fraud.
( 5 ) Notice of rights. At any time a consumer is required to receive a summary of rights required under section 609, the following notice shall be included : Consumers Have The Right To Obtain A Security Freeze You have a right to place a security freeze on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization.
The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.
As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumers credit file.
Upon seeing a fraud alert display on a consumers credit file, a business is required to take steps to verify the consumers identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.
605A - 15 U.S.C. 1681c-1 35 A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.
( 6 ) Webpage.
( A ) Consumer reporting agencies. A consumer reporting agency shall establish a webpage that ( i ) allows a consumer to request a security freeze ; ( ii ) allows a consumer to request an initial fraud alert ; ( iii ) allows a consumer to request an extended fraud alert ; ( iv ) allows a consumer to request an active duty fraud alert ; ( v ) allows a consumer to opt-out of the use of information in a consumer report to send the consumer a solicitation of credit or insurance, in accordance with section 615 ( d ) ; and ( vi ) shall not be the only mechanism by which a consumer may request a security freeze.
( B ) FTC. The Federal Trade Commission shall establish a single webpage that includes a link to each webpage established under subparagraph ( A ) within the Federal Trade Commissions website www.IdentityTheft.gov, or a successor website.
( j ) National protection for files and credit records of protected consumers.
( 1 ) Definitions. As used in this subsection : ( A ) The term consumer reporting agency means a consumer reporting agency described in section 603 ( p ).
( B ) The term protected consumer means an individual who is ( i ) under the age of 16 years at the time a request for the placement of a security freeze is made ; or ( ii ) an incapacitated person or a protected person for whom a guardian or conservator has been appointed.
( C ) The term protected consumers representative means a person who provides to a consumer reporting agency sufficient proof of authority to act on behalf of a protected consumer.
36 605A - 15 U.S.C. 1681c-1 ( D ) The term record means a compilation of information that ( i ) identifies a protected consumer ; ( ii ) is created by a consumer reporting agency solely for the purpose of complying with this subsection; and ( iii ) may not be created or used to consider the protected consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
( E ) The term security freeze means a restriction that prohibits a consumer reporting agency from disclosing the contents of a consumer report that is the subject of such security freeze or, in the case of a protected consumer for whom the consumer reporting agency does not have a file, a record that is subject to such security freeze to any person requesting the consumer report for the purpose of opening a new account involving the extension of credit.
( F ) The term sufficient proof of authority means documentation that shows a protected consumers representative has authority to act on behalf of a protected consumer and includes ( i ) an order issued by a court of law ; ( ii ) a lawfully executed and valid power of attorney ; ( iii ) a document issued by a Federal, State, or local government agency in the United States showing proof of parentage, including a birth certificate ; or ( iv ) with respect to a protected consumer who has been placed in a foster care setting, a written communication from a county welfare department or its agent or designee, or a county probation department or its agent or designee, certifying that the protected consumer is in a foster care setting under its jurisdiction.
( G ) The term sufficient proof of identification means information or documentation that identifies a protected consumer and a protected consumers representative and includes ( i ) a social security number or a copy of a social security card issued by the Social Security Administration ; S. 215536 ( ii ) a certified or official copy of a birth certificate issued by the entity authorized to issue the birth certificate ; or 605A - 15 U.S.C. 1681c-1 37 ( iii ) a copy of a drivers license, an identification card issued by the motor vehicle administration, or any other government issued identification.
( 2 ) Placement of security freeze for a protected consumer.
( A ) In general. Upon receiving a direct request from a protected consumers representative that a consumer reporting agency place a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, place the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 business day after receiving the request directly from the protected consumers representative; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request directly from the protected consumers representative.
( B ) Confirmation and additional information.
Not later than 5 business days after placing a security freeze under subparagraph ( A ), a consumer reporting agency shall ( i ) send confirmation of the placement to the protected consumers representative ; and ( ii ) inform the protected consumers representative of the process by which the protected consumer may remove the security freeze, including a mechanism to authenticate the protected consumers representative.
( C ) Creation of file. If a consumer reporting agency does not have a file pertaining to a protected consumer when the consumer reporting agency receives a direct request under subparagraph ( A ), the consumer reporting agency shall create a record for the protected consumer.
( 3 ) Prohibition on release of record or file of protected consumer. After a security freeze has been placed under paragraph ( 2 ) ( A ), and unless the security freeze is removed in accordance with this subsection, a consumer reporting agency may not release the protected consumers consumer report, any information derived from the protected consumers consumer report, or any record created for the protected consumer.
38 605A - 15 U.S.C. 1681c-1 ( 4 ) Removal of a protected consumer security freeze.
( A ) In general. A consumer reporting agency shall remove a security freeze placed on the consumer report of a protected consumer only in the following cases : ( i ) Upon the direct request of the protected consumers representative.
( ii ) Upon the direct request of the protected consumer, if the protected consumer is not under the age of 16 years at the time of the request.
( iii ) The security freeze was placed due to a material misrepresentation of fact by the protected consumers representative.
( B ) Notice if removal not by request. If a consumer reporting agency removes a security freeze under subparagraph ( A ) ( iii ), the consumer reporting agency shall notify the protected consumers representative in writing prior to removing the security freeze.
( C ) Removal of freeze by request. Except as provided in subparagraph ( A ) ( iii ), a security freeze shall remain in place until a protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) directly requests that the security freeze be removed. Upon receiving a direct request from the protected consumers representative or protected consumer described in subparagraph ( A ) ( ii ) that a consumer reporting agency remove a security freeze, and upon receiving sufficient proof of identification and sufficient proof of authority, the consumer reporting agency shall, free of charge, remove the security freeze not later than ( i ) in the case of a request that is by toll-free telephone or secure electronic means, 1 hour after receiving the request for removal ; or ( ii ) in the case of a request that is by mail, 3 business days after receiving the request for removal.
( D ) Temporary removal of security freeze. Upon receiving a direct request from a protected consumer or a protected consumers representative under subparagraph ( A ) ( i ), if the protected consumer or protected consumers representative requests a temporary removal of a security freeze, the consumer reporting agency shall, in accordance with subparagraph ( I have asked XXXX to investigate and I have disputed all account 's that I wasn't familar with or have no knowledge of because i was a victim of id theft and my information was being sold on the XXXX web. I have pasted all the violations that have been violated by the said reporting agency and i want all the account 's Investigated fully and removed once it is found that these debt 's are not min
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Transunion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX
Second Investigation Request Letter
To Whom It May Concern at Transunion,
I received Lenders, or any other businesses, or credit bureaus, cannot access my credit report. I must consent in writing to having my credit report pulled by anyone seeking specific information about my life in any way. I have not now, nor in the past given my written, or verbal permission to any creditors, credit bureaus, or any other businesses making inquires about my personal information. A consumer report is in violation if any written, oral, or other communication of any information about the consumer is published by a consumer reporting agency that bears on a consumer's creditworthiness, credit. standing, credit capacity, character, general reputation, personal characteristics, or mode of living, as well as former employment positions, former residential information is given out by that bureau without the consumers written permission.
I have been injured by negative as well as inaccurate information that is currently still on my credit report. This overall negative as well as inaccurate information is currently being released without my permission to any entity that submits a general inquiry into my personal information through the credit bureaus. This is against the law according to the Fair Reporting Act.
15 U.S. Code 1681 - Congressional findings and statement of purpose (a)ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings:(b) REASONABLE PROCEDURES : It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Due to this inaccurate information being released I have been denied credit multiply times. I have been subjected to higher fees, as well as other negative ratings that hinder me from a financially fulfilling lifestyle that I have diligently worked to have for myself, as well as for the lives of my family. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the, the right to privacy from the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from.
consumer reports for the protection of the consumer.
(5) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. Information excluded from consumer reports further includes arrest records more than 7 years old. Items of adverse information, Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years. Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.
I have not now nor previously given in writing or oral permission to release or publish any of my information to creditors, credit bureaus, or other businesses that make inquiries about my personal information /credit. These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities, or any businesses that make inquiries about my personal information / credit. 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
(2)
In accordance with the written instructions of the consumer to whom it relates.
These codes mean that I have the right to privacy. According to the current law established by congress. I as a consumer have specific rights of protection that deal with my creditors as well as the three credit bureaus, as well as any credit reporting entities. There are things that by law are excluded from consumer reports.
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:(2) In accordance with the written instructions of the consumer to whom it relates.
Lenders cannot just access my credit report without my consent. The Fair Credit Reporting Act states that only businesses with a legitimate reason to check my credit report can do so, I must consent in writing to having my credit report pulled by anyone seeking specific information about my life in any way.
15 U.S. Code 1681 - Congressional findings and statement of purpose (2)An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(4)There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I read the Fair Credit Reporting Act where it said by law, I had the right to challenge anything that is not accurate on my reports. Some of the people reporting things on me, I have never heard of.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)Duty of furnishers of information to provide accurate information(1)Prohibition(A)Reporting information with actual knowledge of errors . A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
The credit bureaus stated all my accounts on my credit reports were properly investigated. That cannot be possible if open dates, account numbers, amounts of accounts, last date active, as well as other information on reports that are incorrect, and inaccurate still on my credit report. These are the grounds that I am seeking to have all inaccurate, all information that I have not given written permission to be published or released in my credit report.
How credit bureaus violated my rights:
1.Violated my right to privacy.
2.Inaccurate information in reports.
3.Published personal information on reports without my written permission.
4.Credit bureaus took more than thirty days to complete their investigation.
15 U.S. Code 1681n - Civil liability for willful noncompliance
(a)IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of
(A)
any actual damages sustained by the consumer as a result of the failure or damages of not less than $100 and not more than $1,000; or the removal of account on report.
I want one thousand dollars per violation, or the removal of any inaccurate information, any information that I have not given in writing to be published on any credit report (i.e., addresses, employment history, names, phone numbers, date of birth,)
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies(a)DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION(1)PROHIBITION(A)Reporting information with actual knowledge of errors person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate..(B)Reporting information after notice and confirmation of errors person shall not furnish information relating to a consumer to any consumer reporting agency if(i)the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and(b) the information is, in fact, inaccurate.
15 U.S.C. 1681 section 604 A section 2 to furnish consumer reports in accord with the written instructions of the consumer to whom it relates.For purposes of subparagraph (A), the term reasonable cause to believe that the information is inaccurate means specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 U.S.C. Sec. 1681i(a), I have been made aware that you cannot provide.
proof that an account is one- hundred percent accurate the accounts must be deleted from my credit report. I want one thousand dollars, or the accounts deleted if they are not one hundred percent correct on my credit report. I have been informed that the credit bureaus have only thirty days to complete, as well as correct my credit reports. I will enclose my certified mail tracking number to insure receipt of this document.
Thank you,
XXXX XXXX XXXX
Personal Information:
Name: XXXX XXXX
SSN: XXXX
D.O.B. XXXX Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Telephone: XXXX
Email: XXXX
*The Following accounts are in violations on multiply basis on my consumer reports. I request resolution in the form of : one hundred dollars, to one thousand dollars, for every violation that has been published on my report violating my privacy, published without my written permission, Is not one hundred percent verified as well as one hundred percent accurate, or completely removed from my credit reports permanently. I am requesting that this investigation be conducted within thirty days. * Accounts: Account Name: XXXX XXXX Account Number: XXXX High Balance: XXXX - (incorrect) Last Verified: XXXX - (Incorrect, not verified correctly) Date ReportedXXXX XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $ XXXX - (Balance is Incorrect) Closed Date: None Listed- (Not verified) Account Rating: Open (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Not verified. Creditor Type: Bank Credit Cards Account Status: Open Payment Status: Current (Incorrect Not Verified) Creditor Remarks:( Incorrect Not Verified) Payment Amount: $ XXXX (Incorrect Not Verified) Last Payment: XXXX XXXX XXXX (Incorrect Not Verified) Term Length: Not Verified Past Due Amount: Incorrect Not verified. Account Type: Credit Card Payment Frequency: Incorrect Not Verified Credit Limit: $ XXXX Two Year History: Incorrect Not Verified Days Late 7-year History: Incorrect Not Verified Account Name: XXXX XXXX Account Number: XXXX High Balance: $XXXX - (incorrect) Last Verified: XXXX - (Incorrect, not verified correctly) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $ XXXX - (Balance is Incorrect) Closed Date: XXXX- (Not verified) Account Rating: Derogatory (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Incorrect Not Verified Creditor Type: Bank Credit Cards Account Status: Closed Payment Status: Collection/ Charge off (Incorrect Not Verified) Creditor Remarks:( Incorrect Not Verified) Payment Amount: $ XXXX (Incorrect Not Verified) Last Payment: XXXX XXXX (Incorrect Not Verified) Term Length: Not Verified Past Due Amount: Incorrect Not verified. Account Type: Credit Card Payment Frequency: Incorrect Not Verified Credit Limit: $XXXX Two Year History: Incorrect Not Verified Days Late 7-year History: Incorrect Not Verified Account Name: XXXX XXXX Account Number: XXXX High Balance: $XXXX (incorrect Not Verified) Last Verified: XXXX (Incorrect, not verified correctly) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $ XXXX - (Balance is Incorrect) Closed Date: XXXX (Incorrect Not verified) Account Rating: Derogatory (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Incorrect Not Verified Creditor Type: Miscellaneous Bank Account Status: Closed Payment Status: Collection/ Charge off (Incorrect Not Verified) Creditor Remarks:( Incorrect Not Verified) Payment Amount: $ XXXX (Incorrect Not Verified) Last Payment: XXXX (Incorrect Not Verified) Term Length: Not Verified Past Due Amount: $XXXX (Incorrect Not verified) Account Type: Credit Card Payment Frequency: Incorrect Not Verified Credit Limit: $XXXX (Incorrect Not Verified) Two Year History: Incorrect Not Verified Days Late 7-year History: Incorrect Not Verified Account Name: XXXX Account Number: XXXX High Balance: - $XXXX (incorrect Not verified) Last Verified: - XXXX (Incorrect, not verified correctly) Date of Last Activity: XXXX (Incorrect Not Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $ XXXX - (Balance is Incorrect) Closed Date:XXXX (Not verified) Account Rating: Closed (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Incorrect Not Verified Creditor Type: Miscellaneous Banks Account Status: Closed (Incorrect Not Verified) Payment Status: Collection/ Charge off (Incorrect Not Verified) Creditor Remarks:( Incorrect Not Verified) Payment Amount: $ XXXX (Incorrect Not Verified) Last Payment: XXXX (Incorrect Not Verified) Term Length: 24 months Not Verified Past Due Amount: $ XXXX (Incorrect Not verified) Account Type: Secured Loan Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two Year History: Incorrect Not Verified Days Late 7-year History: Incorrect Not Verified Account Name: XXXX Account Number: XXXX High Balance: - XXXX (incorrect Not verified) Last Verified: - XXXX (Incorrect, not verified correctly) Date of Last Activity: XXXX (Incorrect Not Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $ XXXX - (Balance is Incorrect) Closed Date:XXXX XXXX (Not verified) Account Rating: Refinance (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Incorrect Not Verified Creditor Type: Sales Financing (Incorrect Not Verified) Account Status: Closed (Incorrect Not Verified) Payment Status: Closed - (Incorrect Not Verified) Creditor Remarks closed due to refinance:( Incorrect Not Verified) Payment Amount: $ XXXX (Incorrect Not Verified) Last Payment: XXXX (Incorrect Not Verified) Term Length: 16 months Not Verified Past Due Amount: $ XXXX (Incorrect Not verified) Account Type: Unsecured Loan Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two Year History: Incorrect Not Verified Days Late 7-year History: Incorrect Not Verified Account Name: XXXX Account Number: XXXX High Balance: - $XXXX - (incorrect Not verified) Last Verified: - XXXX (Incorrect, not verified correctly) Date of Last Activity: XXXX (Incorrect Not Verified) Date Reported: XXXX XXXX (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: XXXX - (Balance is Incorrect) Closed Date: - (Not verified) Account Rating: Open (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Incorrect Not Verified Creditor Type: Sales Financing (Incorrect Not Verified) Account Status: Open (Incorrect Not Verified) Payment Status: Current - (Incorrect Not Verified) Creditor Remarks - (Incorrect Not Verified) Payment Amount: $ XXXX (Incorrect Not Verified) Last Payment: XXXX (Incorrect Not Verified) Term Length: 28 months Not Verified Past Due Amount: $ XXXX (Incorrect Not verified) Account Type: Unsecured Loan Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Account Name: DEPTEDXXXX Account Number: XXXX High Balance: - $XXXX XXXX (incorrect Not verified) Last Verified:XXXX (Incorrect, not verified correctly) Date of Last Activity: XXXX (Incorrect Not Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $XXXX - (Balance is Incorrect) Closed Date: - XXXX XXXX (Not verified) Account Rating: Closed (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Incorrect Not Verified Creditor Type: Miscellaneous education (Incorrect Not Verified) Account Status: Closed - (Incorrect Not Verified) Payment Status: Current - (Incorrect Not Verified) Creditor Remarks - (Incorrect Not Verified) Payment Amount: $ XXXX (Incorrect Not Verified) Last Payment: (Incorrect Not Verified) Term Length: 120 months Not Verified Past Due Amount: $ XXXX (Incorrect Not verified) Account Type: Educational Loan Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: DEPT OF EDXXXX XXXX Account Number: (Incorrect Not Verified) High Balance: (incorrect Not verified) Last Verified: (Incorrect, not verified correctly) Date of Last Activity: (Incorrect Not Verified) Date Reported: - (Incorrect Date) Date Opened: (Incorrect Open Date) Balance Owed: $XXXX - (Balance is Incorrect) Closed Date: - (Not verified) Account Rating: (Incorrect Not Verified) Account Description: (Incorrect Not Verified) Account Status: (Incorrect Not Verified) Creditor Type: (Incorrect Not Verified) Account Status: - (Incorrect Not Verified) Payment Status: - (Incorrect Not Verified) Creditor Remarks: - (Incorrect Not Verified) Payment Amount: (Incorrect Not Verified) Last Payment: (Incorrect Not Verified) Term Length: months Not Verified Past Due Amount: (Incorrect Not verified) Account Type: Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: DEPT OF EDXXXX XXXX Account Number: (Incorrect Not Verified) High Balance: (incorrect Not verified) Last Verified: (Incorrect, not verified correctly) Date of Last Activity: (Incorrect Not Verified) Date Reported: - (Incorrect Date) Date Opened: (Incorrect Open Date) Balance Owed: $XXXX - (Balance is Incorrect) Closed Date: - (Not verified) Account Rating: (Incorrect Not Verified) Account Description: (Incorrect Not Verified) Account Status: (Incorrect Not Verified) Creditor Type: (Incorrect Not Verified) Account Status: - (Incorrect Not Verified) Payment Status: - (Incorrect Not Verified) Creditor Remarks: - (Incorrect Not Verified) Payment Amount: (Incorrect Not Verified) Last Payment: (Incorrect Not Verified) Term Length: months Not Verified Past Due Amount: (Incorrect Not verified) Account Type: Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: XXXX XXXX XXXX Account Number: XXXX - (Incorrect Not Verified) High Balance: $XXXX - (incorrect Not verified) Last Verified:XXXX (Incorrect, not verified correctly) Date of Last ActivityXXXX XXXX (Incorrect N/ot Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $XXXX - (Balance is Incorrect) Closed Date: - (Not verified) Account Rating: Open (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Account not disputed (Incorrect Not Verified) Creditor Type: installment loan (Incorrect Not Verified) Account Status: Open- (Incorrect Not Verified) Payment Status: Current - (Incorrect Not Verified) Creditor Remarks: Unsecured - (Incorrect Not Verified) Payment Amount: $XXXX (Incorrect Not Verified) Last Payment:XXXX Term Length: 120 months Not Verified Past Due Amount: $XXXX (Incorrect Not verified) Account Type: Unsecured Loan Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified consumer reports for the protection of the consumer. Account NameXXXX XXXX XXXX XXXX Account Number: XXXX -(Incorrect Not Verified) High Balance: $XXXX -(incorrect Not verified) Last Verified: (Incorrect, not verified correctly) Date of Last Activity:XXXX XXXX (Incorrect Not Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $XXXX - (Balance is Incorrect) Closed Date: - (Not verified) Account Rating: Open (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Account not disputed (Incorrect Not Verified) Creditor Type: installment loan (Incorrect Not Verified) Account Status: Open- (Incorrect Not Verified) Payment Status: Current - (Incorrect Not Verified) Creditor Remarks: Unsecured - (Incorrect Not Verified) Payment Amount: $XXXX (Incorrect Not Verified) Last Payment:XXXX Term Length: 120 months Not Verified Past Due Amount: $XXXX (Incorrect Not verified) Account Type: Unsecured Loan Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: XXXX XXXX Account Number: XXXX High Balance: XXXX -(incorrect Not verified) Last Verified:XXXX (Incorrect, not verified correctly) Date of Last Activity:XXXX - (Incorrect Not Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $XXXX - (Balance is Incorrect) Closed Date: XXXX - (Not verified) Account Rating: Derogatory (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Account not disputed (Incorrect Not Verified) Creditor Type: Miscellaneous Finance (Incorrect Not Verified) Account Status: Closed - (Incorrect Not Verified) Payment Status: account not disputed - (Incorrect Not Verified) Creditor Remarks: Miscellaneous Finance - (Incorrect Not Verified) Payment Amount: $XXXX (Incorrect Not Verified) Last Payment:XXXX Term Length: 120 months Not Verified Past Due Amount: $ XXXX - (Incorrect Not verified) Account Type: Note Loan Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: DEPTEDXXXX Account Number: XXXX High Balance: $XXXX - (incorrect Not verified) Last Verified: XXXX - (Incorrect, not verified correctly) Date of Last Activity:XXXX - (Incorrect Not Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $XXXX - (Balance is Incorrect) Closed Date: XXXX - (Not verified) Account Rating: Derogatory (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Account not disputed (Incorrect Not Verified) Creditor Type: Miscellaneous Finance (Incorrect Not Verified) Account Status: Closed - (Incorrect Not Verified) Payment Status: account not disputed - (Incorrect Not Verified) Creditor Remarks: Educational - (Incorrect Not Verified) Payment Amount: $XXXX (Incorrect Not Verified) Last Payment: Term Length: 120 months Not Verified Past Due Amount: $XXXX - (Incorrect Not verified) Account Type: Educational Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: DEPTEDXXXX Account Number: XXXX High Balance: $ XXXX XXXXincorrect Not verified) Last Verified: XXXX - (Incorrect, not verified correctly) Date of Last Activity:XXXX XXXX (Incorrect Not Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $XXXX XXXX (Balance is Incorrect) Closed Date: XXXX - (Not verified) Account Rating: Closed (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Account not disputed (Incorrect Not Verified) Creditor Type: Miscellaneous Education (Incorrect Not Verified) Account Status: Closed - (Incorrect Not Verified) Payment Status: account not disputed - (Incorrect Not Verified) Creditor Remarks: Closed- (Incorrect Not Verified) Payment Amount: $XXXX (Incorrect Not Verified) Last Payment: Term Length: 120 months Not Verified Past Due Amount: $XXXX - (Incorrect Not verified) Account Type: Educational Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: DEPT OF EDXXXX Account Number: High Balance: (incorrect Not verified) Last Verified: - (Incorrect, not verified correctly) Date of Last Activity: - (Incorrect Not Verified) Date Reported: - (Incorrect Date) Date Opened: (Incorrect Open Date) Balance Owed: - (Balance is Incorrect) Closed Date: - (Not verified) Account Rating: (Incorrect Not Verified) Account Description: (Incorrect Not Verified) Account Status: - (Incorrect Not Verified) Payment Status: - (Incorrect Not Verified) Creditor Remarks: - (Incorrect Not Verified) Payment Amount: (Incorrect Not Verified) Last Payment: - (Incorrect Not Verified) Term Length: Not Verified Past Due Amount: - (Incorrect Not verified) Account Type: - (Incorrect Not Verified) Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: DEPT OF EDXXXX Account Number: High Balance: (incorrect Not verified) Last Verified: - (Incorrect, not verified correctly) Date of Last Activity: - (Incorrect Not Verified) Date Reported: - (Incorrect Date) Date Opened: (Incorrect Open Date) Balance Owed: - (Balance is Incorrect) Closed Date: - (Not verified) Account Rating: (Incorrect Not Verified) Account Description: (Incorrect Not Verified) Account Status: - (Incorrect Not Verified) Payment Status: - (Incorrect Not Verified) Creditor Remarks: - (Incorrect Not Verified) Payment Amount: (Incorrect Not Verified) Last Payment: - (Incorrect Not Verified) Term Length: Not Verified Past Due Amount: - (Incorrect Not verified) Account Type: - (Incorrect Not Verified) Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: XXXX XXXX Account Number: XXXX- (Incorrect Not Verified) High Balance: $XXXX XXXX (incorrect Not verified) Last Verified:XXXX - (Incorrect, not verified correctly) Date of Last Activity: XXXX - (Incorrect Not Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $XXXX - (Balance is Incorrect) Closed Date: XXXX- (Not verified) Account Rating: Closed (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Account not disputed (Incorrect Not Verified) Creditor Type: Miscellaneous Finance (Incorrect Not Verified) Account Status: Closed - (Incorrect Not Verified) Payment Status: account not disputed - (Incorrect Not Verified) Creditor Remarks: Miscellaneous Finance - (Incorrect Not Verified) Payment Amount: Closed (Incorrect Not Verified) Last Payment:XXXX Term Length: 10 months Not Verified Past Due Amount: $XXXX - (Incorrect Not verified) Account Type: Note Loan Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: DEPTEDXXXX Account Number: XXXX High Balance: $XXXX - (incorrect Not verified) Last Verified: XXXX - (Incorrect, not verified correctly) Date of Last Activity:XXXX - (Incorrect Not Verified) Date Reported: XXXX - (Incorrect Date) Date Opened: XXXX (Incorrect Open Date) Balance Owed: $XXXX - (Balance is Incorrect) Closed Date: XXXX - (Not verified) Account Rating: Closed (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Account not disputed (Incorrect Not Verified) Creditor Type: Miscellaneous Finance (Incorrect Not Verified) Account Status: Paid - (Incorrect Not Verified) Payment Status: Account not Deputed - (Incorrect Not Verified) Creditor Remarks: Miscellaneous Education - (Incorrect Not Verified) Payment Amount: Closed (Incorrect Not Verified) Last Payment: Current Term Length: 120 months Past Due Amount: $XXXX - (Incorrect Not verified) Account Type: Educational (incorrect Not verified) Payment Frequency: Incorrect Not Verified Account Name: DEPTEDXXXX Account Number: High Balance: - (incorrect Not verified) Last Verified: - (Incorrect, not verified correctly) Date of Last Activity: - (Incorrect Not Verified) Date Reported: - (Incorrect Date) Date Opened: (Incorrect Open Date) Balance Owed: - (Balance is Incorrect) Closed Date: - (Not verified) Account Rating: (Incorrect Not Verified) Account Description: (Incorrect Not Verified) Account Status: (Incorrect Not Verified) Creditor Type: (Incorrect Not Verified) Account Status: - (Incorrect Not Verified) Payment Status: - (Incorrect Not Verified) Creditor Remarks: - (Incorrect Not Verified) Payment Amount: (Incorrect Not Verified) Last Payment: (Incorrect Not Verified) Term Length: Past Due Amount: - (Incorrect Not verified) Account Type: (incorrect Not verified) Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: DEPT OF EDXXXX Account Number: High Balance: (incorrect Not verified) Last Verified: - (Incorrect, not verified correctly) Date of Last Activity: - (Incorrect Not Verified) Date Reported: - (Incorrect Date) Date Opened: (Incorrect Open Date) Balance Owed: - (Balance is Incorrect) Closed Date: - (Not verified) Account Rating: Paid (Incorrect Not Verified) Account Description: Individual (Incorrect Not Verified) Account Status: Open - (Incorrect Not Verified) Payment Status: Current- (Incorrect Not Verified) Creditor Remarks: - (Incorrect Not Verified) Payment Amount: (Incorrect Not Verified) Last Payment: - (Incorrect Not Verified) Term Length: - Not Verified Past Due Amount: - (Incorrect Not verified) Account Type: - (Incorrect Not Verified) Payment Frequency: Incorrect Not Verified Credit Limit: (Incorrect Not Verified) Two- Year Payment History: Incorrect Not Verified Account Name: DEPT OF EDXXXX XXXX Account Number: (Incorrect Not Verified) High Balance: (incorrect Not verified) Last Verified: (Incorrect, not verified correctly) Date of Last Activity: (Incorrect Not Verified) Date Reported: - (Incorrect Date) Date Opened: (Incorrect Open Date) Balance Owed: - (Balance is Incorrect) Closed Date:
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| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXXXXXX XXXXTo begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( XXXX ).
( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).
( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).
( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).
( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).
( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).
Destination of my Consumer Complaint is TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( XXXX ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect- ability or not!
To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently announced item ( s ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page 2 history by eradication and or removal from reporting the delinquently divulged item ( s ) of : Consumer 's Primary Name XXXX XXXX - REMOVE the display reported Consumer 's Former Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
REMOVE the display reported Consumer 's Other Names ( XXXX ) of XXXX and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Current Residence : XXXX XXXX XXXX XXXX GA XXXX Personal Identifier Information -XXXX XXXX XXXX Consumer 's Current Residence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Current Residence ( s ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Previous Residence : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Personal Identifier Information -XXXX XXXX XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXXXXXX Residence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX REMOVE the display reported Consumer 's Previous Residence ( XXXX ) of XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX and XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( s ) : Personal Identifier Information XXXX XXXX XXXX Consumer 's Reported Employer ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX REMOVE the display reported Consumer 's Reported Employers ( s ) of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Birth Year : Consumer 's Birth Year : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX Consumer 's Birth Year : XXXX XXXX XXXX XXXX I XXXX I Page 3 REMOVE the display reported Consumer 's Birth Year ( s ) of XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required XXXX Base Segment Character Format XXXX Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX Trailer Record ... XXXX Header Record Packed Format XXXX Base Segment Packed Format XXXX Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX T TransUnion XXXX essentially stands for Not Metro2/ Translated within Cra/and or is UnknowXXXX XXXX XXXX XXXX XXXX XXXX Missing but Required Reported XXXX Potential Error XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Fair Credit Reporting Act XXXX Potential Violation CAP XXXX AUTO XXXX XXXX COFF XXXX XXXX CAPITAL XXXX AUTO XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, TX, XXXX XXXX XXXX XXXX XXXX V Installment Account Auto Loan -- M XXXX V -- M -- M XXXX XXXX V -- M Paid -- M -- M XXXX XXXX XXXX CAPONEAUTO XXXX XXXX XXXX V Installment Account Auto Loan -- M XXXX V -- M -- M XXXX XXXX V -- M Paid -- M -- M XXXX Joint Auto Loan XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address D XXXX Data Reporter City, State, and Postal Zip Code D XXXX XXXX Reporter Telephone Number D XXXX Data Reporter Identification Number D ^NTCU^ Item 's Subscriber Number U XXXX Activity Date D XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type- Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : D XXXX Scheduled Monthly Payment Amount : U XXXX Account Terms Frequency : U XXXX Account Terms Length : U XXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : Q ^NTCU^ Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened : D XXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards XXXX of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : As for the item questioned above, Activity Date reported as XXXX for TransUnion, XXXX for XXXX, XXXX for XXXX are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( XXXX ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!
As for the item questioned above, Date of Account Opened reported as XXXX for TransUnion, XXXX for XXXX, XXXX for XXXX are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!
In regard to item questioned above, Balance reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a XXXX XXXXXXXX non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability!
Bearing attention to the item questioned above, Date of Last Payment reported as XXXX for TransUnion, XXXX for XXXX, XXXX XXXX for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the XXXX of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
As for the item questioned above, Past Due Amount reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX are XXXXe, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!
Page 5 In regard to item questioned above, Account Credit Limit reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict!
In regard to item questioned above, Data Reporter Name reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.
As for the item questioned above, Data Reporter Street Address reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!
In cognizance to the item questioned above, Data Reporter Telephone Number reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
XXXX XXXX XXXX XXXX XXXX Reporter Name XXXX XXXX Data Reporter Street Address XXXX XXXX Data Reporter City, State, and Postal Zip Code XXXX XXXXXXXX Data Reporter Telephone Number D XXXX Data Reporter Identification Number XXXX XXXX Item 's Subscriber Number XXXX XXXX Activity Date XXXX XXXX Account Name Number : XXXX Account Cycle Identifier : XXXX XXXX XXXX Date Account Reported : XXXX Portfolio Type ( Account Type-Detail ) : XXXX Account Type : XXXX Account Current Balance : XXXX XXXX Date of Account Balance : XXXX XXXX Scheduled Monthly Payment Amount : XXXX XXXX Account Terms Frequency XXXX XXXX XXXXXXXX Account Terms Length XXXX XXXX XXXXXXXX Credit Limit : XXXX Account Highest Credit : XXXX XXXX Date of Last Payment : XXXX Amount of Last Payment Received : XXXX XXXX Past Due Amount : XXXX XXXX Account Condition : XXXX Account Credit Limit : XXXX Account High Balance/Original Balance : XXXX XXXX Account 's Date Opened XXXX XXXX XXXXXXXX Account 's Closed Date : XXXX XXXX Creditor Type : XXXX Account Ownership Type : XXXX Account Status XXXX XXXX Account Status Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
- TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXone Reported None Reported None Reported Any inconsistency , incompleteness , inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX XXXX ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX for TransUnion, XXXX for XXXX, Not Reporting for XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.
In cognizance to the item questioned above, Date of Account Opened reported as XXXX for TransUnion, XXXX for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
Bearing attention to the item questioned above, Balance reported as XXXX for TransUnion, XXXX for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In cognizance to the item questioned above, Date of Last Payment reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
In cognizance to the item questioned above, Past Due Amount reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( XXXX ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
In regard to item questioned above, Account Credit Limit reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.
In cognizance to the item questioned above, Data Reporter Name reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! In cognizance to the item questioned above, Data Reporter Street Address reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of th
e Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! In regard to item questioned above, Data Reporter Telephone Number reported
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| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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TransUnion is communicating with me in Spanish when I don't speak Spanish. I have previously asked and requested that TransUnion communicate with me in English however, they refuse to honor my request.
I don't believe that TransUnion is investigating my complaint and is only offering a cursory response just to say it responded. TransUnion is allowing the source to just say that the information is being reported is accurate with out any evidence. TransUnion is ignoring any evidence and documents that I provide claiming that the documents that I provided were reviewed but did not meet TransUnion 's criteria to update/delete the account not the Fair Credit Reporting Act ( FCRA ). In other words TransUnion decided that the documents were insufficient and that they will not delete the account and this decision is not based on the FCRA.
On or about XX/XX/XXXX, I received a dunning/collection letter from XXXX XXXX regarding the XXXX XXXXXXXX XXXX credit card account.
On XX/XX/XXXX, Defendant mailed a debt validation request to XXXX XXXX via certified mail tracking number XXXX.
On XX/XX/XXXX, XXXX XXXX received my debt validation request.
I never received a response to my validation request which may be a violation of the FDCPA and 12 C.F.R. 106.34 ( a ) ( 1 ).
On XX/XX/XXXX, XXXX XXXX filed this civil suit/action against me on behalf of XXXX XXXXXXXX XXXXXXXX XXXX in the State Court of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I filed an answer to the lawsuit/complaint along with discovery motions/request Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions. A copy of the Answer along with the discovery request was sent to you via certified mail tracking number XXXX. A copy of the Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions.
According to the post office, the package picked up at a postal facility by your agent, representative, or employee at XXXXXXXX XXXX on XX/XX/XXXX.
The thirty days to respond to the discovery request started on XX/XX/XXXX, and ended on XX/XX/XXXX.
I never received a response to the discovery request.
Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request.
Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) The matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ).
On XX/XX/XXXX, and XX/XX/XXXX. XXXX, I reached out to XXXX XXXX office by e-mail pursuant to rule 6.4 ( b ) and prior to filing a motion to compel pursuant to O.C.G.A. 9-11-37.
On XX/XX/XXXX, I mailed a certified letter ( tracking number XXXX ) to XXXX XXXX office and the letter was delivered and received by your office on XXXX, XXXX.
On XX/XX/XXXX, XXXX XXXX filed for voluntary dismissal without prejudice in the XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX No XXXX.
Now on XX/XX/XXXX, I received a XXXX letter from XXXX XXXX listing XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as the creditor. This is the same claim or action just listing a different creditor.
On XX/XX/XXXX, I mailed a second request for validation to XXXX XXXX via certified mail tracking number XXXX. According to the post office the item was delivered on XX/XX/XXXX.
On XX/XX/XXXX, I received an e-mail from one of XXXX XXXX attorneys confirming receipt of the validation request.
Good afternoon, Our office is in receipt of your request and is gathering the requested documents for your review.
XXXX XXXX XXXX, XXXX.
Lead Litigation GA Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX Ex. XXXX Fax : XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
PRIVILEGE AND CONFIDENTIALITY NOTICE : This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The contents of this e-mail message and any attachments are intended solely for the party or parties addressed and named in this message. This communication and all attachments, if any, are intended to be and to remain confidential, and it may be subject to the applicable attorney - client and or work product privileges. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. Do not deliver, distribute, or copy this message and or any attachments if you are not the intended recipient. Do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments. Although this E-mail and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by XXXX XXXX XXXX XXXX for damage arising in any way from its use.
XXXX XXXX is a debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692a ( 6 ) and is required to comply with the FDCPA.
If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer request the name and address of the original creditor, the debt collector must cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector 15 U.S.C. 1692g ( b ).
The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 15 U.S.C. 1692g ( c ).
As of the date of this letter, no response or validation/verification has been received by me.
Any failure by XXXX XXXX to comply with or any violation of the FDCPA by XXXX XXXX may result in XXXX XXXX being subject to civil liability as outlined in 15 U.S.C. XXXX.
XXXX XXXX was notified and is aware that this is a second attempt to collect this alleged debt for the same account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a subsidiary of XXXX XXXX and that as of XX/XX/XXXX, XXXX has merged with XXXX.
Any refiling or renewing of a case would be subject to O.C.G.A. 9-2-61 and O.C.G.A. 9-11-41.
XXXX XXXX has received two requests for validation and has failed to respond to both of them. XXXX XXXX has had approximately ten months to respond to my request for validation. Dont you think if XXXX XXXX intended to collect this alleged debt that they would have responded to the validation request a required by law by now?
As of the date of this letter, there has been no refiling of any lawsuit against me to collect this alleged debt. XXXX XXXX would have to consider all the things discussed in this letter when deciding whether or not it wants to refile the case in any court. XXXX XXXX would have to consider that if the Request for Admissions in the previous and now dismissed lawsuit is deemed admitted pursuant to Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) and O.C.G.A. 9-11-36 ( b ) then it will be difficult for you or XXXX XXXX to pursue a new claim because if certain admissions are deemed admitted then you will probably lose your case. XXXX XXXX is aware of this fact. XXXX XXXX had the option to motion the court to allow withdrawal of the admission and or work with me to resolve any issues with discovery instead XXXX XXXX chose to dismiss the lawsuit. In the event of any renewal or refiling of any lawsuit, XXXX XXXX would essentially be refiling the same claim involving the same parties. If you or your attorney admitted the previous case away for failing to respond, then it will be difficult to refile the case and win or be successful. It seems as if you dont think about this or take this into consideration when deciding not to delete this account from my credit report.
Because you disagree with the decisions made by XXXX XXXX, the laws of the State of Georgia, and the information that you have been provided is not reason or grounds for you to dismiss and ignore the information that you have been provided and make decision based on your personal ideology or beliefs under the guise of some unnamed/specified law, government regulation, or company policy where you do state the specific law and section of the law, the specific government regulation, or provide a copy of the company policy you are citing and relying upon. You only provide a selective cursory response on items that you want to respond to and its like your response is scripted. Additionally, it seems that you copy and paste previous responses.
You position is As a credit provider, we are obligated to report the account accurately to the credit reporting agencies. This statement is designed to end any discussion regarding credit reporting and to justify not removing an item from a credit report and is misleading, while you are required by law to report accurate information to the credit reporting agencies, you are not required to report account to the credit reporting agencies. It seems as if this statement is crafted to make any credit reporting dispute go away. This statement also suggests that you have some kind of moral or ethical obligation and not a legal obligation to report this account to a credit bureau and suggest your decision not to delete this account from the credit report is a moral decision and not a legal one.
XXXX own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' The card agreement states that XXXX can report information about a consumer and the account to a credit bureau if XXXX chooses to do so however, the card agreement does not prohibit XXXX from updating or removing information about a consumer from a consumers credit file. Additionally, if XXXX were to assign or sell this account to a debt buyer or collection agency and that debt buyer or collection agency reported this account to the credit bureau, XXXX would be obligated or required by the FCRA to remove the account from my credit report because the FCRA prohibits duplicate accounts, or the same information or account being reported multiple times on a consumers credit report. XXXX also fails or neglects to mention that some debt XXXX will offer to delete the account from a consumers credit report in exchange for payment especially if it is written in any settlement agreement or consent order. XXXX does not want to admit that credit reporting is nothing more than a debt collection tactic or practice which it sometimes uses to extort money ( in some cases more money than Plaintiff is entitled to ) out of consumers ( i.e. either pay us what we claim you owe us or well ruin your credit for seven years ). It seems XXXX as is not prohibited by contract, government regulations, or the law from removing Defendants account from his credit report with the three major credit bureaus out of revenge and spite because XXXX did not get the outcome XXXX wanted in the XXXX XXXX case and XXXX ( which is a subsidiary of XXXX ) most likely will not achieve the outcome XXXX desires in the XXXX XXXX XXXX credit card account case and some kind of righteous duty with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit or to have to pay a higher interest rate if offered a line of credit is preventing XXXX from removing this account from Defendants credit report with the three major credit bureaus.
If it is XXXX position that you are prohibited by law or government regulation from removing this account from my credit report, then you should have to identify any specific section of the FCRA or any other law or government regulation that would prohibit you from removing this account from my credit report and to provide any other information that you are relying upon. Based upon my information 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ) there is no law or government regulation that would prohibit XXXX from removing this account from my credit report. I have requested this information previously and XXXX has refused to respond and only wants to respond to what it determines or decides it wants to respond to or address. This was also requested by me in the now dismissed collection lawsuit.
It also seems that your decision is not based on the law but an alleged company policy. I would ask that you provide a full and complete copy of the policy you are referencing in your previous communications. Please dont carelessly or mindlessly state that the information requested is confidential and proprietary business information and can not be disclosed. In the event of any refiling of any lawsuit regarding this account and alleged debt I will include the request for this information in a Request for the Production of Documents pursuant to O.C.G.A. 9-11-33. Any failure to respond appropriately to any discovery request is subject to a motion to compel pursuant to O.C.G.A. 9-11-37.
XXXX has not been truthful in their previous responses to the CFPB and the XXXX and there will be potential problems for you in the event of any refiling or renewing of this case.
In your previous correspondence you claim that XXXX regularly reviews credit report data to determine if cardholders continue to qualify for their accounts. You also claim, " XXXX credit card account are reviewed on a regular basis to determine if an adjustment to the accounts credit limit is needed and to ensure the customer still meets the established eligibility requirements to maintain the card. You refuse to provide the eligibility requirements and credit criteria claiming, Our credit criteria is proprietary business information and can not be disclosed. I do not believe that you review accounts on a regular basis as you claim in your correspondence.
On two occasions my credit limit was lowered as a result of your so-called review of my account which you claim that my credit limit was reduced due to the number of revolving accounts with high usage. This is not the whole and complete truth. XXXX has omitted an important fact that in XXXX of XXXX a late fee was assessed on the same day as the payment due date XX/XX/XXXX, and the late fee was eventually credited back to the account even though payment was made and did not post until the next day XX/XX/XXXX. The following month the credit limit was reduced by {$100.00}. The other time the credit limit was reduced was in was in XXXX of XXXX. On XX/XX/XXXX ( the same day as the payment due date ) a late fee was assessed to the account even though a payment was made but did not post to the account until the next day XX/XX/XXXX. Then I received a letter from XXXX dated XX/XX/XXXX, stating that my credit limit would be reduced by another {$100.00}. Based on my research it seems the only time my account was reviewed was after a late fee was assessed and that the credit limit reduction is in retaliation and response to a late fee being assessed to the account. In the now dismissed collection lawsuit XXXX was asked in a discovery filing interrogatory to identify each and every time my account was allegedly reviewed. XXXX and their attorney XXXX XXXX failed to respond to the discovery request. The failure to respond to the discovery request is probably XXXX of the factors that lead to the decision by XXXX XXXX to dismiss the lawsuit.
When XXXX conducted the review in XXXX of XXXX the XXXX XXXX XXXX credit card account was listed on my credit report as a negative item. XXXX was aware of this account being listed as a negative item on my credit report and did not use it as a reason or basis to not lower the credit limit {$100.00} instead, you used the reason number of account with high usage however, when you allegedly reviewed the account for renewal the XXXX XXXX being listed as a negative item on my credit report was used as a basis and reason for not renewing my account. When you conducted the review of my account in XXXX of XXXX, you were made aware of the XXXX XXXX account being a negative item on my credit report and instead of exercising your right to terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You also failed to explain why the decision was made to only lower the credit limit and how you determined the amount to lower the credit limit. This was addressed in the Interrogatories that were filed in the now dismissed lawsuit against me. In other words you failed to mitigate you damages. You will have to explain this in court.
You allegedly reviewed the account again XXXX of XXXX, and then sent a letter dated XX/XX/XXXX, that my account would not be renewed beyond the expiration of the card. This time the XXXX XXXX XXXX credit card account being a negative item on my credit report was used as a reason to not renew my account beyond the expiration date of the card. You will have to explain this in the event of any refilling or relitigating of this case. XXXX XXXX is aware of this because it was included in the answer to the now dismissed collection lawsuit.
This alleged review was conducted approximately nine months prior to the cards expiration and notice was not sent to me until approximately eight months prior to the cards expiration.
According to the XX/XX/XXXX, XXXX XXXX letter that talks about XXXX conducting reviews of accounts the letter also states XXXX federal law, we must determine the applicants ability to repay credit. My account was left open and not closed until XX/XX/XXXX. After XXXX determined that I no longer qualified for the account and or no longer had the ability to repay credit my account was left open and XXXX allowed me to use the account until the expiration date. This will be a problem for XXXX XXXX XXXX event of any litigation because you as a plaintiff have a duty and responsibility to mitigate your damages. As your agents, employees, and representatives love to cite the customer agreement that we have the right to limit or terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You will be required to explain this in the event of any refiling or relitigating of this case. You will have to explain why you made the decision approximately nine months prior to the cards expiration and why you left the account open and allowed continued use of the card after determining that I no longer had the ability to repay credit until the card expired. This was included in the answer to the now dismissed collection lawsuit and XXXX XXXX is aware of this.
The aforementioned issued are also addressed in the discovery request that were filed in the now dismissed collection lawsuit and you nor your attorney XXXX XXXX responded to the discovery request.
You have repeatedly rejected any request by me to settle this case for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me. In the event of any refiling or renewal of this case, you may have to have to explain why you reject the request and then made a settlement offer in XXXX of XXXX giving me until XX/XX/XXXX, to respond. The letter also indicates if I choose not to accept the offer there may be other opportunities to settle may be available at a later date. And once again in a XXXX of XXXX correspondence by XXXX XXXX reject any offer to settle this account for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me.
You also failed to make any reasonable efforts to collect this alleged debt and artificially inflated the balance with unnecessary interest, fees, and penalties. Then you made a settlement offer at then end of XXXX and approximately one month prior to you being required by law to charge off the account and when the late fees and interest stop.
You issued a XXXX store credit card that can only be used at XXXX. When the account was opened the credit limit was {$800.00}. The credit limit has now been reduced to {$100.00}. The card has no expiration date and is still active. In the event of any renewal or refiling of the XXXX XXXX case you may have to explain this. Specifically, if I dont qualify and or dont have the ability to repay credit on the XXXX XXXX account how do you expect me to repay credit on this account and why you have not closed this account. This is a valid issue and defense. This information was included in the answer to the previous lawsuit that has since been dismissed. XXXX XXXX is and should be aware of this.
You have lied about and denied and continue to deny and ignore the fact that the decision not renew the account is in retaliation to a dispute I had with XXXX ( which you were a subsidiary of ) regarding a XXXX XXXX XXXX credit card account even though the available evidence supports my claim of retaliation. First, we have the fact that my credit limit was reduced on two occasions as a result of and in retaliation to late fees being assessed to my account. Second, we have the fact that the XXXX XXXX account being listed on my credit report as a negative item ( i.e., the serious delinquency item listed on my credit report reason ) on my credit report and was used as a reason for not renewing my account and included in the letter dated XX/XX/XXXX, informing me that my account would not account would not be renewed. Finally, we have the fact the XXXX ( which XXXX is or was a subsidiary of and has now merged with XXXX ) closed and refused to renew my XXXX XXXX XXXX credit card account and flat out admitted it was due to a to a charge-off of the XXXX XXXX account. I am not asking you to address issues or concerns regarding other accounts but just merely stating the facts and using this information to prove my point or position.
You have also omitted other important information from your correspondences with me, the CFPB, and the XXXX
In your XX/XX/XXXX, letter by XXXX XXXX, you state Our review of your account found the statement with the closing date of XX/XX/XXXX, your account had a balance of {$1400.00} with a minimum payment of {$44.00} due by XX/XX/XXXX. No payment was received for this balance and in accordance with the terms of the credit card agreement, each month the required minimum payment due was not received, the account was charged a late fee and interest charge. This continued until the account balance reach {$1900.00} and charged off on XX/XX/XXXX. This is somewhat misleading because you omit the fact that you are required by law to charge off an account after you have not received any payments and the account is past due for over 180 days or six months.
In the event of any renewal or refiling of your claim the answer will be amended to include the fact this is your second attempt at filing the same claim against me and that you are subject to O.C.G.A. 9-11-41. The discovery request will also be refiled. You should also be aware that some judges have issued standing orders and instructions regarding how cases are handled by that particular judge. One example is State Court of XXXX XXXX XXXX XXXX XXXX XXXX. Section seven of the order addresses extension of time and section seven addresses discovery. Extensions of time for discovery will be granted only upon consent motion or in exceptional cases in which the parties promptly commence and diligently pursue discovery yet are unable to complete discovery in the timeframe set forth above due to circumstances not reasonably anticipated at the time that the parties prepare and submit the Scheduling Order. Any motion for an extension of time for discovery must be filed with the Court prior to the expiration of the existing discovery period. A copy of the standing order is attached for your review. This case was NOT assigned to XXXX XXXX and this order did not apply. You are required to respond to the discovery request truthfully and accurately within the timeframe provided by law. Failure to respond or to respond truthfully and accurately could result in you having to pay expenses incurred by me to prove that you did not respond truthfully and accurately and any failure to respond at all could result in a motion to compel. XXXX XXXX is aware of this fact. This case has already been filed and then dismissed. If the case is refiled and then dismissed voluntarily dismissed again that will serve as an adjudication upon the merits ( and is the same as a dismissal with prejudice ) O.C.G.A. 9-11-41 ( a ) ( 3 ). In other words, you will be prohibited by law from filing any additional lawsuits, claims, or actions, regarding this account and alleged debt and then would have no means to collect this alleged debt and no remedies available to you. It would be a violation of the FDCPA for any debt collector to threaten to take any action that can not legally be taken or that is not intended to be taken 15 U.S.C. 1692e ( 5 ) or the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer 15 U.S.C. 1692e ( 10 ).
As previously stated, XXXX XXXX was sent a validation request on XX/XX/XXXX and it was received by them on XX/XX/XXXX. As of the date of this letter, no response other than the attorney acknowledging receipt of the request and stating that they are gathering the requested information and documents.
XXXX XXXX is also aware of the previous lawsuit and will have to decide whether or not they will renew or refile this claim. Factors that could affect their decision include the failure to respond to the discovery request in the previous case and the defenses I have raised and outlined in this letter. You are not taking this fact into consideration when denying my request to delete this account from my credit report.
You should be aware that XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia have copies of all of your correspondence and communications with me, the CFPB, and the XXXXXXXX except any that were received after the case was dismissed. The documents were provided to the court by me because they were attached to the answer as exhibits. In the event of any new litigation all communications received after the answer was filed will be attached as exhibits to an amended answer. You should also be aware that any documents filed with the court are public records and can be made available to anyone who request them provided they pay any fees imposed by the court or court clerks office for researching and printing of the request documents. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia also uses an online system XXXX XXXX XXXXXXXX to file cases and to obtain documents filed in cases if available. Anyone can register and create a peachcourt account and obtain copies documents filed in cases if available for a per item fee. Attorneys are required to file all cases online using the peachcourt website. Attorneys will have unlimited access to all of the documents available on and through the peachcourt website. You also may use XXXX XXXX XXXX to look up information regarding cases. This is a free service for anyone to use and you dont have to register. This site will not provide you with access to documents filed in the case and will only provide you with a list of any actions, events, or filings in the case. If you were to hire a new attorney, you must make them aware of the fact that you previously filed a lawsuit and then dismissed it approximately three months later and the fact they you and your attorney failed to respond to the discovery request then that attorney will make a decision whether or not to represent you or not. If you fail to inform the attorney and provide the attorney with all information regarding the case and account and withhold or omit information the attorney could withdraw from your case.
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| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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TransUnion is communicating with me in XXXX when I don't speak XXXX. I have previously asked and requested that TransUnion communicate with me in English however, they refuse to honor my request.
I don't believe that TransUnion is investigating my complaint and is only offering a cursory response just to say it responded. TransUnion is allowing the source to just say that the information is being reported is accurate with out any evidence. TransUnion is ignoring any evidence and documents that I provide claiming that the documents that I provided were reviewed but did not meet TransUnion 's criteria to update/delete the account not the Fair Credit Reporting Act ( FCRA ). In other words TransUnion decided that the documents were insufficient and that they will not delete the account and this decision is not based on the FCRA.
On or about XX/XX/XXXX, I received a XXXX/collection letter from XXXX XXXX regarding thXXXX XXXX XXXX XXXX credit card account.
On XX/XX/XXXX, Defendant mailed a debt validation request to XXXX XXXX via certified mail tracking number XXXX.
On XX/XX/XXXX, XXXX XXXX received my debt validation request.
I never received a response to my validation request which may be a violation of the FDCPA and 12 C.F.R. 106.34 ( a ) ( 1 ).
On XX/XX/XXXX, XXXX XXXX filed this civil suit/action against me on behalf of XXXX XXXX XXXX XXXX in the State Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I filed an answer to the lawsuit/complaint along with discovery motions/request Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions. A copy of the Answer along with the discovery request was sent to you via certified mail tracking number XXXX. A copy of the Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions.
According to the post office, the package picked up at a postal facility by your agent, representative, or employee at XXXX XXXX on XX/XX/XXXX.
The thirty days to respond to the discovery request started on XX/XX/XXXX, and ended on XX/XX/XXXX.
I never received a response to the discovery request.
Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request.
Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) The matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ).
On XX/XX/XXXX, and XX/XX/XXXX. XXXX, I reached out to XXXX XXXX office by e-mail pursuant to rule 6.4 ( b ) and prior to filing a motion to compel pursuant to O.C.G.A. 9-11-37.
On XX/XX/XXXX, I mailed a certified letter ( tracking number XXXX ) to XXXX XXXX office and the letter was delivered and received by your office on XXXX, XXXX.
On XX/XX/XXXX, XXXX XXXX filed for voluntary dismissal without prejudice in the XXXX XXXX XXXX XXXX XXXX Georgia Civil Action File No XXXX.
Now on XX/XX/XXXX, I received a XXXX letter from XXXX XXXX listing XXXX XXXX. instead of XXXX XXXX XXXX XXXX or ( XXXX ) as the creditor. This is the same claim or action just listing a different creditor.
On XX/XX/XXXX, I mailed a second request for validation to XXXX XXXX via certified mail tracking number XXXX. According to the post office the item was delivered on XX/XX/XXXX.
On XX/XX/XXXX, I received an e-mail from one of XXXX XXXX attorneys confirming receipt of the validation request.
Good afternoon, Our office is in receipt of your request and is gathering the requested documents for your review.
XXXX XXXX XXXX, XXXX.
Lead Litigation GA Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX Ex. XXXX Fax : XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
PRIVILEGE AND CONFIDENTIALITY NOTICE : This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The contents of this e-mail message and any attachments are intended solely for the party or parties addressed and named in this message. This communication and all attachments, if any, are intended to be and to remain confidential, and it may be subject to the applicable attorney - client and or work product privileges. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. Do not deliver, distribute, or copy this message and or any attachments if you are not the intended recipient. Do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments. Although this E-mail and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by XXXX XXXX XXXX XXXX for damage arising in any way from its use.
XXXX XXXX is a debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692a ( 6 ) and is required to comply with the FDCPA.
If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer request the name and address of the original creditor, the debt collector must cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector 15 U.S.C. 1692g ( b ).
The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 15 U.S.C. 1692g ( c ).
As of the date of this letter, no response or validation/verification has been received by me.
Any failure by XXXX XXXX to comply with or any violation of the FDCPA by XXXX XXXX XXXX result in XXXX XXXX being subject to civil liability as outlined in 15 U.S.C. 1692k.
XXXX XXXX was notified and is aware that this is a second attempt to collect this alleged debt for the same account with XXXX XXXX XXXX XXXX ( XXXX ) which is a subsidiary of XXXX XXXX and that as of XX/XX/XXXX, XXXX has merged with XXXX.
Any refiling or renewing of a case would be subject to O.C.G.A. 9-2-61 and O.C.G.A. 9-11-41.
XXXX XXXX has received two requests for validation and has failed to respond to both of them. XXXX XXXX has had approximately ten months to respond to my request for validation. Dont you think if XXXX XXXX intended to collect this alleged debt that they would have responded to the validation request a required by law by now?
As of the date of this letter, there has been no refiling of any lawsuit against me to collect this alleged debt. XXXX XXXX would have to consider all the things discussed in this letter when deciding whether or not it wants to refile the case in any court. XXXX XXXX would have to consider that if the Request for Admissions in the previous and now dismissed lawsuit is deemed admitted pursuant to Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) and O.C.G.A. 9-11-36 ( b ) then it will be difficult for you or XXXX XXXX to pursue a new claim because if certain admissions are deemed admitted then you will probably lose your case. XXXX XXXX is aware of this fact. XXXX XXXX had the option to motion the court to allow withdrawal of the admission and or work with me to resolve any issues with discovery instead XXXX XXXX chose to dismiss the lawsuit. In the event of any renewal or refiling of any lawsuit, XXXX XXXX would essentially be refiling the same claim involving the same parties. If you or your attorney admitted the previous case away for failing to respond, then it will be difficult to refile the case and win or be successful. It seems as if you dont think about this or take this into consideration when deciding not to delete this account from my credit report.
Because you disagree with the decisions made by XXXX XXXX, the laws of the State of Georgia, and the information that you have been provided is not reason or grounds for you to dismiss and ignore the information that you have been provided and make decision based on your personal ideology or beliefs under the guise of some unnamed/specified law, government regulation, or company policy where you do state the specific law and section of the law, the specific government regulation, or provide a copy of the company policy you are citing and relying upon. You only provide a selective cursory response on items that you want to respond to and its like your response is scripted. Additionally, it seems that you copy and paste previous responses.
You position is As a credit provider, we are obligated to report the account accurately to the credit reporting agencies. This statement is designed to end any discussion regarding credit reporting and to justify not removing an item from a credit report and is misleading, while you are required by law to report accurate information to the credit reporting agencies, you are not required to report account to the credit reporting agencies. It seems as if this statement is crafted to make any credit reporting dispute go away. This statement also suggests that you have some kind of moral or ethical obligation and not a legal obligation to report this account to a credit bureau and suggest your decision not to delete this account from the credit report is a moral decision and not a legal one.
XXXX own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' The card agreement states that XXXX can report information about a consumer and the account to a credit bureau if XXXX chooses to do so however, the card agreement does not prohibit XXXX from updating or removing information about a consumer from a consumers credit file. Additionally, if XXXX were to assign or sell this account to a debt buyer or collection agency and that debt buyer or collection agency reported this account to the credit bureau, XXXX would be obligated or required by the FCRA to remove the account from my credit report because the FCRA prohibits duplicate accounts, or the same information or account being reported multiple times on a consumers credit report. XXXX also fails or neglects to mention that some debt collectors will offer to delete the account from a consumers credit report in exchange for payment especially if it is written in any settlement agreement or consent order. XXXX does not want to admit that credit reporting is nothing more than a debt collection tactic or practice which it sometimes uses to extort money ( in some cases more money than Plaintiff is entitled to ) out of consumers ( i.e. either pay us what we claim you owe us or well ruin your credit for seven years ). It seems XXXX as is not prohibited by contract, government regulations, or the law from removing Defendants account from his credit report with the three major credit bureaus out of revenge and spite because XXXX did not get the outcome XXXX wanted in the XXXX XXXX case and XXXX ( which is a subsidiary of XXXX ) most likely will not achieve the outcome XXXX desires in the XXXX XXXX XXXX credit card account case and some kind of righteous duty with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit or to have to pay a higher interest rate if offered a line of credit is preventing XXXX from removing this account from Defendants credit report with the three major credit bureaus.
If it is XXXX/XXXX position that you are prohibited by law or government regulation from removing this account from my credit report, then you should have to identify any specific section of the FCRA or any other law or government regulation that would prohibit you from removing this account from my credit report and to provide any other information that you are relying upon. Based upon my information 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ) there is no law or government regulation that would prohibit XXXX/XXXX from removing this account from my credit report. I have requested this information previously and XXXX has refused to respond and only wants to respond to what it determines or decides it wants to respond to or address. This was also requested by me in the now dismissed collection lawsuit.
It also seems that your decision is not based on the law but an alleged company policy. I would ask that you provide a full and complete copy of the policy you are referencing in your previous communications. Please dont carelessly or mindlessly state that the information requested is confidential and proprietary business information and can not be disclosed. In the event of any refiling of any lawsuit regarding this account and alleged debt I will include the request for this information in a Request for the Production of Documents pursuant to O.C.G.A. 9-11-33. Any failure to respond appropriately to any discovery request is subject to a motion to compel pursuant to O.C.G.A. 9-11-37.
XXXX has not been truthful in their previous responses to the CFPB and the XXXX and there will be potential problems for you in the event of any refiling or renewing of this case.
In your previous correspondence you claim that XXXX regularly reviews credit report data to determine if cardholders continue to qualify for their accounts. You also claim, " XXXX credit card account are reviewed on a regular basis to determine if an adjustment to the accounts credit limit is needed and to ensure the customer still meets the established eligibility requirements to maintain the card. You refuse to provide the eligibility requirements and credit criteria claiming, Our credit criteria is proprietary business information and can not be disclosed. I do not believe that you review accounts on a regular basis as you claim in your correspondence.
On two occasions my credit limit was lowered as a result of your so-called review of my account which you claim that my credit limit was reduced due to the number of revolving accounts with high usage. This is not the whole and complete truth. XXXX has omitted an important fact that in XXXX of XXXX a late fee was assessed on the same day as the payment due date XX/XX/XXXX, and the late fee was eventually credited back to the account even though payment was made and did not post until the next day XX/XX/XXXX. The following month the credit limit was reduced by {$100.00}. The other time the credit limit was reduced was in was in XXXX of XXXX. On XX/XX/XXXX ( the same day as the payment due date ) a late fee was assessed to the account even though a payment was made but did not post to the account until the next day XX/XX/XXXX. Then I received a letter from XXXX dated XX/XX/XXXX, stating that my credit limit would be reduced by another {$100.00}. Based on my research it seems the only time my account was reviewed was after a late fee was assessed and that the credit limit reduction is in retaliation and response to a late fee being assessed to the account. In the now dismissed collection lawsuit XXXX was asked in a discovery filing interrogatory to identify each and every time my account was allegedly reviewed. XXXX and their attorney XXXX XXXX failed to respond to the discovery request. The failure to respond to the discovery request is probably one of the factors that lead to the decision by XXXX XXXX to dismiss the lawsuit.
When XXXX conducted the review in XXXX of XXXX the XXXX XXXX XXXX credit card account was listed on my credit report as a negative item. XXXX was aware of this account being listed as a negative item on my credit report and did not use it as a reason or basis to not lower the credit limit {$100.00} instead, you used the reason number of account with high usage however, when you allegedly reviewed the account for renewal the XXXX XXXX being listed as a negative item on my credit report was used as a basis and reason for not renewing my account. When you conducted the review of my account in XXXX of XXXX, you were made aware of the XXXX XXXX account being a negative item on my credit report and instead of exercising your right to terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You also failed to explain why the decision was made to only lower the credit limit and how you determined the amount to lower the credit limit. This was addressed in the Interrogatories that were filed in the now dismissed lawsuit against me. In other words you failed to mitigate you damages. You will have to explain this in court.
You allegedly reviewed the account again XXXX of XXXX, and then sent a letter dated XX/XX/XXXX, that my account would not be renewed beyond the expiration of the card. This time the XXXX XXXX XXXX credit card account being a negative item on my credit report was used as a reason to not renew my account beyond the expiration date of the card. You will have to explain this in the event of any refilling or relitigating of this case. XXXX XXXX is aware of this because it was included in the answer to the now dismissed collection lawsuit.
This alleged review was conducted approximately nine months prior to the cards expiration and notice was not sent to me until approximately eight months prior to the cards expiration.
According to the XX/XX/XXXX, XXXX XXXX letter that talks about XXXX conducting reviews of accounts the letter also states Under federal law, we must determine the applicants ability to repay credit. My account was left open and not closed until XX/XX/XXXX. After XXXX determined that I no longer qualified for the account and or no longer had the ability to repay credit my account was left open and XXXX allowed me to use the account until the expiration date. This will be a problem for XXXX in the event of any litigation because you as a plaintiff have a duty and responsibility to mitigate your damages. As your agents, employees, and representatives love to cite the customer agreement that we have the right to limit or terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You will be required to explain this in the event of any refiling or relitigating of this case. You will have to explain why you made the decision approximately nine months prior to the cards expiration and why you left the account open and allowed continued use of the card after determining that I no longer had the ability to repay credit until the card expired. This was included in the answer to the now dismissed collection lawsuit and XXXX XXXX is aware of this.
The aforementioned issued are also addressed in the discovery request that were filed in the now dismissed collection lawsuit and you nor your attorney XXXX XXXX responded to the discovery request.
You have repeatedly rejected any request by me to settle this case for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me. In the event of any refiling or renewal of this case, you may have to have to explain why you reject the request and then made a settlement offer in XXXX of XXXX giving me until XX/XX/XXXX, to respond. The letter also indicates if I choose not to accept the offer there may be other opportunities to settle may be available at a later date. And once again in a XXXX of XXXX correspondence by XXXX XXXX reject any offer to settle this account for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me.
You also failed to make any reasonable efforts to collect this alleged debt and artificially inflated the balance with unnecessary interest, fees, and penalties. Then you made a settlement offer at then end of XXXX and approximately one month prior to you being required by law to charge off the account and when the late fees and interest stop.
You issued a XXXXXXXX XXXX XXXX XXXX that can only be used at XXXX. When the account was opened the credit limit was {$800.00}. The credit limit has now been reduced to {$100.00}. The card has no expiration date and is still active. In the event of any renewal or refiling of the XXXX XXXX case you may have to explain this. Specifically, if I dont qualify and or dont have the ability to repay credit on the XXXX XXXX account how do you expect me to repay credit on this account and why you have not closed this account. This is a valid issue and defense. This information was included in the answer to the previous lawsuit that has since been dismissed. XXXX XXXX is and should be aware of this.
You have lied about and denied and continue to deny and ignore the fact that the decision not renew the account is in retaliation to a dispute I had with XXXX ( which you were a subsidiary of ) regarding a XXXX XXXX XXXX credit card account even though the available evidence supports my claim of retaliation. First, we have the fact that my credit limit was reduced on two occasions as a result of and in retaliation to late fees being assessed to my account. Second, we have the fact that the XXXX XXXX account being listed on my credit report as a negative item ( i.e., the serious delinquency item listed on my credit report reason ) on my credit report and was used as a reason for not renewing my account and included in the letter dated XX/XX/XXXX, informing me that my account would not account would not be renewed. Finally, we have the fact the XXXX ( which XXXX is or was a subsidiary of and has now merged with XXXX ) closed and refused to renew my XXXX XXXX XXXX credit card account and flat out admitted it was due to a to a charge-off of the XXXX XXXX account. I am not asking you to address issues or concerns regarding other accounts but just merely stating the facts and using this information to prove my point or position.
You have also omitted other important information from your correspondences with me, the CFPB, and the XXXX.
In your XX/XX/XXXX, letter by XXXX XXXX, you state Our review of your account found the statement with the closing date of XX/XX/XXXX, your account had a balance of {$1400.00} with a minimum payment of {$44.00} due by XX/XX/XXXX. No payment was received for this balance and in accordance with the terms of the credit card agreement, each month the required minimum payment due was not received, the account was charged a late fee and interest charge. This continued until the account balance reach {$1900.00} and charged off on XX/XX/XXXX. This is somewhat misleading because you omit the fact that you are required by law to charge off an account after you have not received any payments and the account is past due for over 180 days or six months.
In the event of any renewal or refiling of your claim the answer will be amended to include the fact this is your second attempt at filing the same claim against me and that you are subject to O.C.G.A. 9-11-41. The discovery request will also be refiled. You should also be aware that some judges have issued standing orders and instructions regarding how cases are handled by that particular judge. One example is State Court of XXXX County XXXX XXXX XXXX XXXX. Section seven of the order addresses extension of time and section seven addresses discovery. Extensions of time for discovery will be granted only upon consent motion or in exceptional cases in which the parties promptly commence and diligently pursue discovery yet are unable to complete discovery in the timeframe set forth above due to circumstances not reasonably anticipated at the time that the parties prepare and submit the Scheduling Order. Any motion for an extension of time for discovery must be filed with the Court prior to the expiration of the existing discovery period. A copy of the standing order is attached for your review. This case was NOT assigned to XXXX XXXX and this order did not apply. You are required to respond to the discovery request truthfully and accurately within the timeframe provided by law. Failure to respond or to respond truthfully and accurately could result in you having to pay expenses incurred by me to prove that you did not respond truthfully and accurately and any failure to respond at all could result in a motion to compel. XXXX XXXX is aware of this fact. This case has already been filed and then dismissed. If the case is refiled and then dismissed voluntarily dismissed again that will serve as an adjudication upon the merits ( and is the same as a dismissal with prejudice ) O.C.G.A. 9-11-41 ( a ) ( 3 ). In other words, you will be prohibited by law from filing any additional lawsuits, claims, or actions, regarding this account and alleged debt and then would have no means to collect this alleged debt and no remedies available to you. It would be a violation of the FDCPA for any debt collector to threaten to take any action that can not legally be taken or that is not intended to be taken 15 U.S.C. 1692e ( 5 ) or the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer 15 U.S.C. 1692e ( 10 ).
As previously stated, XXXX XXXX was sent a validation request on XX/XX/XXXX and it was received by them on XX/XX/XXXX. As of the date of this letter, no response other than the attorney acknowledging receipt of the request and stating that they are gathering the requested information and documents.
XXXX XXXX is also aware of the previous lawsuit and will have to decide whether or not they will renew or refile this claim. Factors that could affect their decision include the failure to respond to the discovery request in the previous case and the defenses I have raised and outlined in this letter. You are not taking this fact into consideration when denying my request to delete this account from my credit report.
You should be aware that XXXX XXXX and the State Court of XXXX County State of Georgia have copies of all of your correspondence and communications with me, the CFPB, and the XXXX except any that were received after the case was dismissed. The documents were provided to the court by me because they were attached to the answer as exhibits. In the event of any new litigation all communications received after the answer was filed will be attached as exhibits to an amended answer. You should also be aware that any documents filed with the court are public records and can be made available to anyone who request them provided they pay any fees imposed by the court or court clerks office for researching and printing of the request documents. The State Court of XXXX County Sate of Georgia also uses an online system XXXX XXXX XXXXXXXX to file cases and to obtain documents filed in cases if available. Anyone can register and create a peachcourt account and obtain copies documents filed in cases if available for a per item fee. Attorneys are required to file all cases online using the peachcourt website. Attorneys will have unlimited access to all of the documents available on and through the XXXX website. You also may use XXXX XXXX XXXXXXXX to look up information regarding cases. This is a free service for anyone to use and you dont have to register. This site will not provide you with access to documents filed in the case and will only provide you with a list of any actions, events, or filings in the case. If you were to hire a new attorney, you must make them aware of the fact that you previously filed a lawsuit and then dismissed it approximately three months later and the fact they you and your attorney failed to respond to the discovery request then that attorney will make a decision whether or not to represent you or not. If you fail to inform the attorney and provide the attorney with all information regarding the case and account and withhold or omit information the attorney could withdraw from your case.
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| 12/12/2022 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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TransUnion is communicating with me in XXXX when I don't speak XXXX. I have previously asked and requested that TransUnion communicate with me in English however, they refuse to honor my request.
I don't believe that TransUnion is investigating my complaint and is only offering a cursory response just to say it responded. TransUnion is allowing the source to just say that the information is being reported is accurate with out any evidence. TransUnion is ignoring any evidence and documents that I provide claiming that the documents that I provided were reviewed but did not meet TransUnion 's criteria to update/delete the account not the Fair Credit Reporting Act ( FCRA ). In other words TransUnion decided that the documents were insufficient and that they will not delete the account and this decision is not based on the FCRA.
On or about XX/XX/XXXX, I received a dunning/collection letter from XXXX XXXX regarding the XXXX XXXX XXXX credit card account.
On XX/XX/XXXX, XXXX mailed a debt validation request to XXXX XXXX via certified mail tracking number XXXX.
On XX/XX/XXXX, XXXX XXXX received my debt validation request.
I never received a response to my validation request which may be a violation of the FDCPA and 12 C.F.R. 106.34 ( a ) ( 1 ).
On XX/XX/XXXX, XXXX XXXX filed this civil suit/action against me on behalf of Department XXXX XXXX XXXX in the State Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, I filed an answer to the lawsuit/complaint along with discovery motions/request Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions. A copy of the Answer along with the discovery request was sent to you via certified mail tracking number XXXX. A copy of the Interrogatories, Request for the Production of Documents and Notice to Produce, and Request for Admissions.
According to the post office, the package picked up at a postal facility by your agent, representative, or employee at XXXXXXXX XXXX on XX/XX/XXXX.
The thirty days to respond to the discovery request started on XX/XX/XXXX, and ended on XX/XX/XXXX.
I never received a response to the discovery request.
Pursuant to Georgia law O.C.G.A 9-11-33 ( a ) ( 2 ), 9-11-34 ( b ) ( 2 ), and 9-11-36 ( a ) ( 2 ), the party upon whom the discovery has been served shall serve a copy of the answers, and objections if any, within thirty ( 30 ) days after the service of the discovery request, except that a defendant may serve answers or objections within 45 days after service of the summons and complaint upon that defendant. The court may allow a shorter or longer time at the courts discretion. The party submitting the interrogatories may move for an order under subsection ( a ) of Code Section 9-11-37 with respect to any objection to or other failure to answer any discovery motion/request.
Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) The matter is admitted unless, within 30 days after service of the request or within such shorter or longer time as the court may allow, the party to whom the request is directed serves upon the party requesting the admission a written answer or objection addressed to the matter, signed by the party or by his attorney. Any matter admitted under this Code section is conclusively established unless the court, on motion, permits withdrawal or amendment of the admission O.C.G.A. 9-11-36 ( b ).
On XX/XX/XXXX, and XX/XX/XXXX. XXXX, I reached out to XXXX XXXX office by e-mail pursuant to rule 6.4 ( b ) and prior to filing a motion to compel pursuant to O.C.G.A. 9-11-37.
On XX/XX/XXXX, I mailed a certified letter ( tracking number XXXX ) to XXXX XXXX office and the letter was delivered and received by your office on XXXX, XXXX.
On XX/XX/XXXX, XXXX XXXX filed for voluntary dismissal without prejudice in the XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX XXXX No XXXX.
Now on XX/XX/XXXX, I received a XXXX letter from XXXX XXXX listing XXXX XXXX. instead of XXXX XXXX XXXXXXXX XXXX or ( XXXX ) as the creditor. This is the same claim or action just listing a different creditor.
On XX/XX/XXXX, I mailed a second request for validation to XXXX XXXX via certified mail tracking number XXXX. According to the post office the item was delivered on XX/XX/XXXX.
On XX/XX/XXXX, I received an e-mail from one of XXXX XXXX attorneys confirming receipt of the validation request.
Good afternoon, Our office is in receipt of your request and is gathering the requested documents for your review.
XXXX XXXX XXXX, XXXX.
Lead Litigation GA Attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Phone : XXXX Ex. XXXX Fax : XXXX XXXX THIS COMMUNICATION IS FROM A DEBT COLLECTOR.
PRIVILEGE AND CONFIDENTIALITY NOTICE : This e-mail is covered by the Electronic Communications Privacy Act, 18 U.S.C. 2510-2521 and is legally privileged. The contents of this e-mail message and any attachments are intended solely for the party or parties addressed and named in this message. This communication and all attachments, if any, are intended to be and to remain confidential, and it may be subject to the applicable attorney - client and or work product privileges. If you are not the intended recipient of this message, or if this message has been addressed to you in error, please immediately alert the sender by reply e-mail and then delete this message and its attachments. Do not deliver, distribute, or copy this message and or any attachments if you are not the intended recipient. Do not disclose the contents or take any action in reliance upon the information contained in this communication or any attachments. Although this E-mail and any attachments are believed to be free of any virus or other defect that might affect any computer system into which it is received and opened, it is the responsibility of the recipient to ensure that it is virus free and no responsibility is accepted by XXXX XXXX XXXX XXXX for damage arising in any way from its use.
XXXX XXXX is a debt collector as defined by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692a ( 6 ) and is required to comply with the FDCPA.
If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, or that the consumer request the name and address of the original creditor, the debt collector must cease collection of the debt, or any portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector 15 U.S.C. 1692g ( b ).
The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer 15 U.S.C. 1692g ( c ).
As of the date of this letter, no response or validation/verification has been received by me.
Any failure by XXXX XXXX to comply with or any violation of the FDCPA by XXXX XXXX XXXX result in XXXX XXXX being subject to civil liability as outlined in 15 U.S.C. 1692k.
XXXX XXXX was notified and is aware that this is a second attempt to collect this alleged debt for the same account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is a subsidiary of XXXX XXXX and that as of XX/XX/XXXX, XXXX has merged with XXXX.
Any refiling or renewing of a case would be subject to O.C.G.A. 9-2-61 and O.C.G.A. 9-11-41.
XXXX XXXX has received two requests for validation and has failed to respond to both of them. XXXX XXXX has had approximately ten months to respond to my request for validation. Dont you think if XXXX XXXX XXXX to collect this alleged debt that they would have responded to the validation request a required by law by now?
As of the date of this letter, there has been no refiling of any lawsuit against me to collect this alleged debt. XXXX XXXX would have to consider all the things discussed in this letter when deciding whether or not it wants to refile the case in any court. XXXX XXXX would have to consider that if the Request for Admissions in the previous and now dismissed lawsuit is deemed admitted pursuant to Pursuant to O.C.G.A. 9-11-36 ( a ) ( 2 ) and O.C.G.A. 9-11-36 ( b ) then it will be difficult for you or XXXX XXXX to pursue a new claim because if certain admissions are deemed admitted then you will probably lose your case. XXXX XXXX is aware of this fact. XXXX XXXX had the option to motion the court to allow withdrawal of the admission and or work with me to resolve any issues with discovery instead XXXX XXXX chose to dismiss the lawsuit. In the event of any renewal or refiling of any lawsuit, XXXX XXXX would essentially be refiling the same claim involving the same parties. If you or your attorney admitted the previous case away for failing to respond, then it will be difficult to refile the case and win or be successful. It seems as if you dont think about this or take this into consideration when deciding not to delete this account from my credit report.
Because you disagree with the decisions made by XXXX XXXX, the laws of the State of Georgia, and the information that you have been provided is not reason or grounds for you to dismiss and ignore the information that you have been provided and make decision based on your personal ideology or beliefs under the guise of some unnamed/specified law, government regulation, or company policy where you do state the specific law and section of the law, the specific government regulation, or provide a copy of the company policy you are citing and relying upon. You only provide a selective cursory response on items that you want to respond to and its like your response is scripted. Additionally, it seems that you copy and paste previous responses.
You position is As a credit provider, we are obligated to report the account accurately to the credit reporting agencies. This statement is designed to end any discussion regarding credit reporting and to justify not removing an item from a credit report and is misleading, while you are required by law to report accurate information to the credit reporting agencies, you are not required to report account to the credit reporting agencies. It seems as if this statement is crafted to make any credit reporting dispute go away. This statement also suggests that you have some kind of moral or ethical obligation and not a legal obligation to report this account to a credit bureau and suggest your decision not to delete this account from the credit report is a moral decision and not a legal one.
XXXXs own customer agreement for the credit card states " We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. We may report account information in your name and the names of authorized users. We may also obtain follow-up credit reports on you. If you think we reported incorrect information to a credit bureau, write us at the Customer Service address on the billing statement. We will investigate the matter. We will then tell you if we agree or disagree with you. If we agree with you, we will contact each credit bureau to which we reported and request a correction. If we disagree with you, we will tell you that. '' The card agreement states that XXXX can report information about a consumer and the account to a credit bureau if XXXX chooses to do so however, the card agreement does not prohibit XXXX from updating or removing information about a consumer from a consumers credit file. Additionally, if XXXX were to assign or sell this account to a debt buyer or collection agency and that debt buyer or collection agency reported this account to the credit bureau, XXXX would be obligated or required by the FCRA to remove the account from my credit report because the FCRA prohibits duplicate accounts, or the same information or account being reported multiple times on a consumers credit report. XXXX also fails or neglects to mention that some debt collectors will offer to delete the account from a consumers credit report in exchange for payment especially if it is written in any settlement agreement or consent order. XXXX does not want to admit that credit reporting is nothing more than a debt collection tactic or practice which it sometimes uses to extort money ( in some cases more money than Plaintiff is entitled to ) out of consumers ( i.e. either pay us what we claim you owe us or well ruin your credit for seven years ). It seems XXXX as is not prohibited by contract, government regulations, or the law from removing Defendants account from his credit report with the three major credit bureaus out of revenge and spite because XXXX did not get the outcome XXXX wanted in the XXXX XXXX case and XXXX XXXX which is a subsidiary of XXXX ) most likely will not achieve the outcome XXXX desires in the XXXX XXXX XXXX credit card account case and some kind of righteous duty with the intent to annoy, harass, intimidate, embarrass, and humiliate me and is nothing more than an effort to make it difficult for me to apply for and/or obtain credit or to have to pay a higher interest rate if offered a line of credit is preventing XXXX from removing this account from Defendants credit report with the three major credit bureaus.
If it is XXXX position that you are prohibited by law or government regulation from removing this account from my credit report, then you should have to identify any specific section of the FCRA or any other law or government regulation that would prohibit you from removing this account from my credit report and to provide any other information that you are relying upon. Based upon my information 15 U.S.C. 1681i and 15 U.S.C. 1681s-2 ( b ) there is no law or government regulation that would prohibit XXXX from removing this account from my credit report. I have requested this information previously and XXXX has refused to respond and only wants to respond to what it determines or decides it wants to respond to or address. This was also requested by me in the now dismissed collection lawsuit.
It also seems that your decision is not based on the law but an alleged company policy. I would ask that you provide a full and complete copy of the policy you are referencing in your previous communications. Please dont carelessly or mindlessly state that the information requested is confidential and proprietary business information and can not be disclosed. In the event of any refiling of any lawsuit regarding this account and alleged debt I will include the request for this information in a Request for the Production of Documents pursuant to O.C.G.A. 9-11-33. Any failure to respond appropriately to any discovery request is subject to a motion to compel pursuant to O.C.G.A. 9-11-37.
XXXX has not been truthful in their previous responses to the CFPB and the XXXX and there will be potential problems for you in the event of any refiling or renewing of this case.
In your previous correspondence you claim that XXXX regularly reviews credit report data to determine if cardholders continue to qualify for their accounts. You also claim, " XXXX credit card account are reviewed on a regular basis to determine if an adjustment to the accounts credit limit is needed and to ensure the customer still meets the established eligibility requirements to maintain the card. You refuse to provide the eligibility requirements and credit criteria claiming, Our credit criteria is proprietary business information and can not be disclosed. I do not believe that you review accounts on a regular basis as you claim in your correspondence.
On two occasions my credit limit was lowered as a result of your so-called review of my account which you claim that my credit limit was reduced due to the number of revolving accounts with high usage. This is not the whole and complete truth. XXXX has omitted an important fact that in XXXX of XXXX a late fee was assessed on the same day as the payment due date XX/XX/XXXX, and the late fee was eventually credited back to the account even though payment was made and did not post until the next day XX/XX/XXXX. The following month the credit limit was reduced by {$100.00}. The other time the credit limit was reduced was in was in XXXX of XXXX. On XX/XX/XXXX ( the same day as the payment due date ) a late fee was assessed to the account even though a payment was made but did not post to the account until the next day XX/XX/XXXX. Then I received a letter from XXXX dated XX/XX/XXXX, stating that my credit limit would be reduced by another {$100.00}. Based on my research it seems the only time my account was reviewed was after a late fee was assessed and that the credit limit reduction is in retaliation and response to a late fee being assessed to the account. In the now dismissed collection lawsuit XXXX was asked in a discovery filing interrogatory to identify each and every time my account was allegedly reviewed. XXXX and their attorney XXXX XXXX failed to respond to the discovery request. The failure to respond to the discovery request is probably one of the factors that lead to the decision by XXXX XXXX to dismiss the lawsuit.
When XXXX conducted the review in XXXX of XXXX the XXXX XXXX XXXX credit card account was listed on my credit report as a negative item. XXXX was aware of this account being listed as a negative item on my credit report and did not use it as a reason or basis to not lower the credit limit {$100.00} instead, you used the reason number of account with high usage however, when you allegedly reviewed the account for renewal the XXXX XXXX being listed as a negative item on my credit report was used as a basis and reason for not renewing my account. When you conducted the review of my account in XXXX of XXXX, you were made aware of the XXXX XXXX account being a negative item on my credit report and instead of exercising your right to terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You also failed to explain why the decision was made to only lower the credit limit and how you determined the amount to lower the credit limit. This was addressed in the Interrogatories that were filed in the now dismissed lawsuit against me. In other words you failed to mitigate you damages. You will have to explain this in court.
You allegedly reviewed the account again XXXX of XXXX, and then sent a letter dated XX/XX/XXXX, that my account would not be renewed beyond the expiration of the card. This time the XXXX XXXX XXXX credit card account being a negative item on my credit report was used as a reason to not renew my account beyond the expiration date of the card. You will have to explain this in the event of any refilling or relitigating of this case. XXXX XXXX is aware of this because it was included in the answer to the now dismissed collection lawsuit.
This alleged review was conducted approximately nine months prior to the cards expiration and notice was not sent to me until approximately eight months prior to the cards expiration.
According to the XX/XX/XXXX, XXXX XXXX letter that talks about XXXX conducting reviews of accounts the letter also states Under federal law, we must determine the applicants ability to repay credit. My account was left open and not closed until XX/XX/XXXX. After XXXX determined that I no longer qualified for the account and or no longer had the ability to repay credit my account was left open and XXXX allowed me to use the account until the expiration date. This will be a problem for XXXX in the event of any litigation because you as a plaintiff have a duty and responsibility to mitigate your damages. As your agents, employees, and representatives love to cite the customer agreement that we have the right to limit or terminate use of your account without giving you notice in advance ; unless we are required to give you notice by law. You will be required to explain this in the event of any refiling or relitigating of this case. You will have to explain why you made the decision approximately nine months prior to the cards expiration and why you left the account open and allowed continued use of the card after determining that I no longer had the ability to repay credit until the card expired. This was included in the answer to the now dismissed collection lawsuit and XXXX XXXX is aware of this.
The aforementioned issued are also addressed in the discovery request that were filed in the now dismissed collection lawsuit and you nor your attorney XXXX XXXX responded to the discovery request.
You have repeatedly rejected any request by me to settle this case for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me. In the event of any refiling or renewal of this case, you may have to have to explain why you reject the request and then made a settlement offer in XXXX of XXXX giving me until XX/XX/XXXX, to respond. The letter also indicates if I choose not to accept the offer there may be other opportunities to settle may be available at a later date. And once again in a XXXX of XXXX correspondence by XXXX XXXX reject any offer to settle this account for less than the full balance, which in no way should be construed as an admission of liability or indebtedness by me.
You also failed to make any reasonable efforts to collect this alleged debt and artificially inflated the balance with unnecessary interest, fees, and penalties. Then you made a settlement offer at then end of XXXX and approximately one month prior to you being required by law to charge off the account and when the late fees and interest stop.
You issued a XXXX store credit card that can only be used at XXXX. When the account was opened the credit limit was {$800.00}. The credit limit has now been reduced to {$100.00}. The card has no expiration date and is still active. In the event of any renewal or refiling of the XXXX XXXX case you XXXX have to explain this. Specifically, if I dont qualify and or dont have the ability to repay credit on the XXXX XXXX account how do you expect me to repay credit on this account and why you have not closed this account. This is a valid issue and defense. This information was included in the answer to the previous lawsuit that has since been dismissed. XXXX XXXX is and should be aware of this.
You have lied about and denied and continue to deny and ignore the fact that the decision not renew the account is in retaliation to a dispute I had with XXXX ( which you were a subsidiary of ) regarding a XXXX XXXX XXXX credit card account even though the available evidence supports my claim of retaliation. First, we have the fact that my credit limit was reduced on two occasions as a result of and in retaliation to late fees being assessed to my account. Second, we have the fact that the XXXX XXXX account being listed on my credit report as a negative item ( i.e., the serious delinquency item listed on my credit report reason ) on my credit report and was used as a reason for not renewing my account and included in the letter dated XX/XX/XXXX, informing me that my account would not account would not be renewed. Finally, we have the fact the XXXX ( which XXXX is or was a subsidiary of and has now merged with XXXX ) closed and refused to renew my XXXX XXXX XXXX credit card account and flat out admitted it was due to a to a charge-off of the XXXX XXXX account. I am not asking you to address issues or concerns regarding other accounts but just merely stating the facts and using this information to prove my point or position.
You have also omitted other important information from your correspondences with me, the CFPB, and the XXXX
In your XX/XX/XXXX, letter by XXXX XXXX, you state Our review of your account found the statement with the closing date of XX/XX/XXXX, your account had a balance of {$1400.00} with a minimum payment of {$44.00} due by XX/XX/XXXX. No payment was received for this balance and in accordance with the terms of the credit card agreement, each month the required minimum payment due was not received, the account was charged a late fee and interest charge. This continued until the account balance reach {$1900.00} and charged off on XX/XX/XXXX. This is somewhat misleading because you omit the fact that you are required by law to charge off an account after you have not received any payments and the account is past due for over 180 days or six months.
In the event of any renewal or refiling of your claim the answer will be amended to include the fact this is your second attempt at filing the same claim against me and that you are subject to O.C.G.A. 9-11-41. The discovery request will also be refiled. You should also be aware that some judges have issued standing orders and instructions regarding how cases are handled by that particular judge. One example is State Court of XXXX XXXX XXXX XXXX XXXX XXXX. Section seven of the order addresses extension of time and section seven addresses discovery. Extensions of time for discovery will be granted only upon consent motion or in exceptional cases in which the parties promptly commence and diligently pursue discovery yet are unable to complete discovery in the timeframe set forth above due to circumstances not reasonably anticipated at the time that the parties prepare and submit the Scheduling Order. Any motion for an extension of time for discovery must be filed with the Court prior to the expiration of the existing discovery period. A copy of the standing order is attached for your review. This case was NOT assigned to XXXX XXXX and this order did not apply. You are required to respond to the discovery request truthfully and accurately within the timeframe provided by law. Failure to respond or to respond truthfully and accurately could result in you having to pay expenses incurred by me to prove that you did not respond truthfully and accurately and any failure to respond at all could result in a motion to compel. XXXX XXXX is aware of this fact. This case has already been filed and then dismissed. If the case is refiled and then dismissed voluntarily dismissed again that will serve as an adjudication upon the merits ( and is the same as a dismissal with prejudice ) O.C.G.A. 9-11-41 ( a ) ( 3 ). In other words, you will be prohibited by law from filing any additional lawsuits, claims, or actions, regarding this account and alleged debt and then would have no means to collect this alleged debt and no remedies available to you. It would be a violation of the FDCPA for any debt collector to threaten to take any action that can not legally be taken or that is not intended to be taken 15 U.S.C. 1692e ( 5 ) or the use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer 15 U.S.C. 1692e ( 10 ).
As previously stated, XXXX XXXX was sent a validation request on XX/XX/XXXX and it was received by them on XX/XX/XXXX. As of the date of this letter, no response other than the attorney acknowledging receipt of the request and stating that they are gathering the requested information and documents.
XXXX XXXX is also aware of the previous lawsuit and will have to decide whether or not they will renew or refile this claim. Factors that could affect their decision include the failure to respond to the discovery request in the previous case and the defenses I have raised and outlined in this letter. You are not taking this fact into consideration when denying my request to delete this account from my credit report.
You should be aware that XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX of Georgia have copies of all of your correspondence and communications with me, the CFPB, and the XXXX except any that were received after the case was dismissed. The documents were provided to the court by me because they were attached to the answer as exhibits. In the event of any new litigation all communications received after the answer was filed will be attached as exhibits to an amended answer. You should also be aware that any documents filed with the court are public records and can be made available to anyone who request them provided they pay any fees imposed by the court or court clerks office for researching and printing of the request documents. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also uses an online system XXXX XXXX XXXXXXXX to file cases and to obtain documents filed in cases if available. Anyone can register and create a peachcourt account and obtain copies documents filed in cases if available for a per item fee. Attorneys are required to file all cases online using the peachcourt website. Attorneys will have unlimited access to all of the documents available on and through the peachcourt website. You also may use XXXX XXXX XXXX to look up information regarding cases. This is a free service for anyone to use and you dont have to register. This site will not provide you with access to documents filed in the case and will only provide you with a list of any actions, events, or filings in the case. If you were to hire a new attorney, you must make them aware of the fact that you previously filed a lawsuit and then dismissed it approximately three months later and the fact they you and your attorney failed to respond to the discovery request then that attorney will make a decision whether or not to represent you or not. If you fail to inform the attorney and provide the attorney with all information regarding the case and account and withhold or omit information the attorney could withdraw from your case.
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| 03/13/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, OH XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX CT XXXX, NC XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : US DEPARTMENT OF JUS- This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX O Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX O Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XXXX
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| 02/11/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Other problem getting your report or credit score
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, OH XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX CT XXXX, NC XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX DEPARTMENT OF XXXX- This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account XXXX : XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION C F FINANCE Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION FAIRWAY INDE Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CB INDIGO Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION REGIONAL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX CRE Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX FIN Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX O Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. US DEPT VETS Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX CRE Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX C Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX C Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX O Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION COAF Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX C Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2
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| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo begin, I would like to ensure you have and ONLY sustain existent, TRUE, CORRECT, COMPLETE, and MANDATED reported details Pursuant to FCRA regulations, any and all others that may be recited now or else wise I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul until adequate and provable and immediately any and all flawed of these afore-noted conditions, mentioned or not, especially if related directly or indirectly to any potentially injurious information be it proper or unknown! Again, I DO NOT AUTHORIZE you to misreport any mis- information now or ever, please review and ENSURE your adequate and full accordance with the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any preconditioned to be OTHER NAMES or aliases and I do NOT have compliant-like salacity of or for any OTHER NAMES or aliases to be retained or expressed, if ANY terminate NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).
( b ) I do NOT have any required OTHER present addresses and I do NOT desire any OTHER ADDRESSES to be retained o r reputed, if ANY omit NOW or produce PROOF of your legitimate AUTHORITY to hold on to much less report without infringing my consumer right ( s ).
( c ) I do NOT have any mandated OTHER SSNs and I do NOT covet any OTHER SSNs to be retained or believed, if ANY REMOVE FROM REPORTING NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right ( s ).
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT long for any OTHER Dates of Birth to be retained or communicated, if ANY efface from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).
( e ) I do NOT have any needed telephone numbers and I do NOT have wish for any telephone numbers to be retained or disclosed, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to preserve much less report without infringing my consumer right ( s ).
( f ) I do NOT have any employers and I do NOT yearn for any employers to be retained or made known, if ANY exclude from reporting NOW or product PROOF of your legitimate AUTHORITY to keep much less report without infringing my consumer right ( s ).
( g ) I do NOT have any spouses/roommates/co-applicants and I do NOT have ambition for any spouses/roommates/co-applicants to be retained or described, if ANY edit out NOW or product PROOF of your legitimate AUTHORITY to maintain much less report without infringing my consumer right ( s ).
Destination of my Consumer Complaint is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Consumer letter to PHYSICALLY CHECK for replete and CERTIFIED COMPLIANCE of reporting ensuring that any and all claims of delinquency, derogatoriness, and or inquiry are factually proven fully undoubted, CORRECT, Complete, TIMELY, and or elsewise VALID as recorded and additionally as mandatory ensure that any injurious claim is PERFECT and Complete in its CERTIFIED METRO 2 FORMAT REPORTING COMPLIANCE! Compliant reporting of ONLY authentic ACCURATE entire VERIFIABLY VALID and CERTIFIED as such is a MINIMAL necessarily of lawful reporting NOT AN OPTIONAL ONE! I as well use this notification to contest ignorant or elsewise with deviation ( s ) allegations regardless of reason of dereliction. My document here serves as my OFFICIALLY WRIT notification of my lawful consumer CHALLENGE to not yet substantiated claims as regards to REPORT-ABILITY, not a consideration of the claim ( s ) reality of collect- ability or not!
To Whom it Concerns, I am in receipt of a ongoing credit report of which questionably suggests that I now or in past have owed you something, yet there is nothing that substantiates your reporting or claim thereof so I demand that you dismiss all claims and eradicate any injurious reporting ( s ) versus me, particularly if currently announced item ( s ) are potentially deficient of the mandatory detail evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility else wise of the reporting, and or the unabridged and perfect certified Metro 2 format reporting standard ( s ). I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer much less me! Particularly removed is your right to act in dereliction as you hold me under threat of financial and or creditworthiness injury ( ies ). I here now DEMAND that if you are unwilling or unable to do as requested, as demanded, and as otherwise mandatory to cling to or regain compliance of reporting no later than 20 days from your receipt of this lawful note of consumer complaint that you immediately and forevermore thereafter cease any and all derogatory and or injurious actions versus me, to include but not limited to the foul actions to report and or collect unverified, untrue, invalid, or else wise not certifiably compliant claim ( s ) and or debt ( s ). Let it be in clarity that I am well aware of the FACT that absent juridical authority or a written agreement between us that you can not force me to conduct any business interaction ( s ) with you and I will NOT! Certainly if you elect still to injure me, even to the slightest, it undoubtedly would be a show of merciless harassment or even willful extortion, a CRIMINAL OFFENSE in my state of residence! Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as purported on my Current consumer credit profile Page 2 history by eradication and or removal from reporting the delinquently divulged item ( s ) of : Consumer 's Primary Name XXXX XXXX - REMOVE the display reported Consumer 's Former Names ( s ) of - and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Former Names is XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
REMOVE the display reported Consumer 's Other Names ( s ) of XXXX and - and - as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Other Names is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Current Residence : XXXX XXXX XXXX XXXX XXXX XXXX Personal Identifier Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Previous Residence : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Identifier Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated Consumer 's Reported Employer ( s ) : Personal Identifier Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Reported Employers is XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Consumer 's Birth Year : Consumer 's Birth Year : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Consumer 's Birth Year : is XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Metro2/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards XXXX of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see XXXX XXXX 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX and as such are one or more seemingly deficient of its exigency of reporting commensurateness and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-taken-for-granted privilege to report.
In regard to item questioned above, Date of Account Opened reported as XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more assertedly deficient of its exigency of reporting aptitude, sufficiency, and or amenability!
In cognizance to the item questioned above, Balance reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
As for the item questioned above, Date of Last Payment reported as XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX are one, two, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per XXXX ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!
Bearing attention to the item questioned above, Past Due Amount reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency Page 5 of reporting Appropriateness!
In regard to item questioned above, Account Credit Limit reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards. As such, either one or more as a matter of course is not doubt deficient of its exigency of reporting proficiency!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account not disputed Page 6 Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as XXXX XXXX TransUnionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict!
As for the item questioned above, Date of Account Opened reported as XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX are XXXX, XXXX, or each in potential deviation ( s ) from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3-4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field, and as such are one or more apparently deficient of its exigency of reporting assent!
In regard to item questioned above, Balance reported as XXXX for TransUnion, XXXX for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards. As such, either one or more as a matter of course is not doubt deficient of its exigency of reporting proficiency!
In regard to item questioned above, Date of Last Payment reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards. As such, either one or more as a matter of course is not doubt deficient of its exigency of reporting proficiency!
Bearing attention to the item questioned above, Past Due Amount reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes deficient of its exigency of reporting Appropriateness!
In cognizance to the item questioned above, Account Credit Limit reported as Not Reporting for TransUnion, Not Reporting for XXXX, Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account not disputed Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a oddity from the mandatorily utilized reporting industrys own Metro 2 Data-filled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the abovementioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Activity Date reported as Not Reporting for TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards. As such, either one or more as a matter of course is not doubt deficient of its exigency of reporting proficiency!
In regard to item questioned above, Date of Account Opened reported as Not Reporting for TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting
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| 07/01/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I, XXXX XXXX, consumer, one natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name : XXXXXXXX XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 3. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 4. Account Name : XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 5. Account Name : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 6. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 7. Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 8. Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 9. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 10. Account Name : XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 11. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 12. Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 13. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 14. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Who certified that this information is true and accurate? 15 U.S. Code 1681a - Definitions ; rules of construction a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. ( 2 ) Applicable findings, decisions, commentary, and orders. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. ( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. ( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account. ( n ) State. The term State means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States. ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ). ( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business. ( q ) Definitions Relating to Fraud Alerts. ( 1 ) Active duty military consumer.The term active duty military consumer means a consumer in military service who ( A ) is on active duty ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a reservist performing duty under a call or order to active duty under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer. ( 2 ) Fraud alert ; active duty alert.The terms fraud alert and active duty alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an active duty military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. ( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ( 5 ) New credit plan. The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i ) 1 of this title ) or a new credit transaction not under an open end credit plan. ( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. ( 2 ) Credit card. The term credit card has the same meaning as in section 1602 of this title. ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. ( 5 ) Credit and creditor. The terms credit and creditor have the same meanings as in section 1691a of this title. ( s ) Federal Banking Agency. The term Federal banking agency has the same meaning as in section 1813 of title 12. ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v ) Commission. The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. ( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims. ( y ) Exclusion of Certain Communications for Employee Investigations. ( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title. ( 2 ) Subsequent disclosure. After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed. ( 3 ) Self-regulatory organization defined. For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission. ( z ) Veteran. The term veteran has the meaning given the term in section 101 of title 38. ( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran. ( Pub. L. 90321, title VI, 603, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128 ; amended Pub. L. 102537, 2 ( b ), Oct. 27, 1992, 106 Stat. 3531 ; Pub. L. 104208, div. A, title II, 2402, Sept. 30, 1996, 110 Stat. 3009426 ; Pub. L. 105347, 6 ( 1 ) ( 3 ), Nov. 2, 1998, 112 Stat. 3211 ; Pub. L. 108159, title I, 111, title II, 214 ( c ) ( 1 ), title IV, 411 ( b ), ( c ), title VI, 611, Dec. 4, 2003, 117 Stat. 1954, 1983, 2001, 2010 ; Pub. L. 111203, title X, 1088 ( a ) ( 1 ), ( 2 ) ( A ), ( C ), ( 3 ), July 21, 2010, 124 Stat. 2086, 2087 ; Pub. L. 115174, title III, 302 ( b ) ( 1 ), May 24, 2018, 132 Stat. 1333. ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Improper usage of my credit report, not removing deragotory information, not updating information after XXXX mailed in forms since XXXX, of more than requested documentations providing them proof of identity fraud-providing police reports since, drivers license, ssn, copy of birth certificates, lease, bill from XXXX XXXX XXXX copy of new sscard, new drivers license, updated police report, certified mail like all other mail they stated they never got or it was legiable but it was I made sure when sending it to it to not only them other credit reporting agencies, IRS, XXXX, amongst other government agencies, theyve lied led me to believe they would investigate yet my calls are always routed to Iranians whom always hang up with evidence when I give it to them, Ive uploaded documentation as well Ive given them specific dates, reporting my first middle and last name and stated they recently got it from Medical Debt when I have no medical debt, my privacy medical civil rights have been harmed Ive mentally broke down almost committed suicide yet my mail is rerouted, XXXX is altered with my kids and others PII to hide behind others identities to not catch the money laundering activity but the evidence is all in the analytics reports I reported to XXXX XXXX who also owes me money for finding the flaw in the XXXX systems, someone bundled combined my device with theirs my device has been deployed and appears as if its a XXXX when its not or a XXXX some days and some days it shows up as a XXXX when Ive had no such thing, when the federal government placed my middle name back on drivers license my credit score dropped from the XXXX to XXXX my bank made like the pulled my credit file using my new ssn but they didnt they continue to allow Conduent to make deposits to steal my kids child support checks XXXX deposits and always have deposited my kids child support, Transition refused to remove Conduent as an employer after verification of my employer XXXX. So did XXXX refuses to remove XXXX as well. There are 2 XXXX and XXXX through XXXX XXXX XXXX XXXX XXXX different household numbers for XXXX for me and my kids so that someone else can file my children instead of me and their dead beat fathers have been getting off with child support by utilizing the information they sold for me and my kids bribed by agencies and companies all due to false fabricated information to make it appear Im in debt owe companies etc any body I got money from is paid for except one company and due to my illness and hospitalizations Ive not been able to pay but the continents report that after telling them such information. Transunion, XXXX, XXXX, XXXX the following false information Your SSN has been masked for your protection.
Credit Report Date XX/XX/XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX Name XXXX XXXX XXXX Feedback Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Date Reported XX/XX/XXXX Phone Numbers Phone Number ( XXXX ) XXXX Employers Employer CONDUENT Date Verified XX/XX/XXXX XXXX XXXX XXXXXXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Phone ( XXXX ) XXXX Permissible Purpose CREDIT TRANSACTION Requested On XX/XX/XXXX Inquiry Type Individual Account Review Inquiries The listing of a company 's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not be used in scoring your credit file ( except insurance companies may have access to other insurance company inquiries, certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries, where permitted by law ).
Name TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX TRANSUNION XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX TRANSUNION INTERACTIVE Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via TRANSUNION INTERACTIVE Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX TRANSUNION INTERACTIVE Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TRANSUNION XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX Requested On XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive tried for the past 6 going on7 years no luck not even with an attorney letterhead.
This medical experiments theyve done on myself and children is scared I worked for XXXX and know when a device is compromised before getting it.
Below is the analytics of what is being captured by my phone that I have turned off my privacy rights and civil and rights IP rights social media for me and my kids we are being cyber bullied, part of an organized financial ring of crimes involving XXXX, XXXX, XXXX corrupt organizations agencies app_name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates Incorrect Name - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code XXXX - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT GENESIS CRDT - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX - XX/XX/XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Incorrect Name XXXX XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX, XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ, XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports , THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXXXXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT XXXX XXXX XXXX XXXXXXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 Incorrect Name XXXX XXXX, XXXX, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NJ, XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address - XXXX XXXX XXXX XXXX, NJ, XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about EMPLOYER - XXXX XXXX XXXX - 15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX XXXX. Attached is my drivers license and utility bill are attached for identification.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required underSection 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
PROVIDING AN ACCURATE CREDIT SCORE ( I HAVE NOT BE ABLE TO OBTAIN A VALID CREDIT SCORE IN OVER 60 DAYS FROM YOUR COMPANY OR ANY OTHER BUREAU AND I PAY A MONTHLY MEMBERSHIP WITH YOUR COMPANY ) Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are Either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the civil liability and the remedy available to me ( Section XXXX & XXXX ) if you fail to comply with XXXX XXXX. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
This is the second time this account has been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit from debt buyers. This is purchased unverifiable debt and its not my debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices.
4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
5. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXXXXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) this account in violation not reporting 100 % accurate.
XXXX Account Number : XXXX This is the second time this account has been removed. Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
13. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
14. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
15. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my XXXXredit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
18. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
19. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
20. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
21. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
22. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
23. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
24. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
25. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
26. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
27. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
28. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
29. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
30. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
31. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
32. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXXXXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
33. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
34. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
35. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
36. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
37. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
38. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate..
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
39. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXXXXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
40. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
41. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
42. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
43. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
44. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
45. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
46. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
47. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is also the CARES Act Violation no late payments during the XXXX crisis.
XXXX XXXX XXXX Account Number : XXXX Remove inaccurate reported late payments.
48. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. This is also the CARES Act Violation no late payments during the XXXX crisis.
XXXX XXXX XXXX Account Number : XXXX Remove inaccurate reported late payments.
49. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
50. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
51. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
52. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
53. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
54. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
55. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
56. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
57. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
58. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
59. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
60. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX XXXX XXXXXXXX XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
61. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual.
XXXX Date of Inquiry : XX/XX/2022 Please Remove It from My Credit Report produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
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| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX ( COLLECTION AGENCY : Original Creditor : XXXX XXXXXXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : 09 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : CREDIT COLL ( Original Creditor : 06 XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX - XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX HOSPITAL ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX GEORGIA XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX FI ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX : # XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX : XXXX XXXX, XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : # XXXX, XXXX : # XXXX, and XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I, XXXX XXXX, consumer, one natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 1. Account Name : XXXX Account Number : # XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 2. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 3. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 4. Account Name : XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 5. Account Name : XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 6. Account Name : XXXX XXXX RECOVERY SERV Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 7. Account Name : XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 8. Account Name : XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 9. Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 10. Account Name : XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 11. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 12. Account Name : XXXX XXXX XXXX, XXXX XXXX XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 13. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 14. Account Name : XXXX Account Number : # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128. ) Who certified that this information is true and accurate?
15 U.S. Code 1681a - Definitions ; rules of construction a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. ( 2 ) Applicable findings, decisions, commentary, and orders. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. ( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. ( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account. ( n ) State. The term State means any State, the Commonwealth of Puerto Rico, the District of Columbia, and any territory or possession of the United States. ( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ). ( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business. ( q ) Definitions Relating to Fraud Alerts. ( 1 ) Active duty military consumer.The term active duty military consumer means a consumer in military service who ( A ) is on active duty ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a reservist performing duty under a call or order to active duty under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer. ( 2 ) Fraud alert ; active duty alert.The terms fraud alert and active duty alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an active duty military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. ( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ( 5 ) New credit plan. The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i ) 1 of this title ) or a new credit transaction not under an open end credit plan. ( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. ( 2 ) Credit card. The term credit card has the same meaning as in section 1602 of this title. ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. ( 5 ) Credit and creditor. The terms credit and creditor have the same meanings as in section 1691a of this title. ( s ) Federal Banking Agency. The term Federal banking agency has the same meaning as in section 1813 of title 12. ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v ) Commission. The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. ( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims. ( y ) Exclusion of Certain Communications for Employee Investigations. ( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title. ( 2 ) Subsequent disclosure. After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed. ( 3 ) Self-regulatory organization defined. For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission. ( z ) Veteran. The term veteran has the meaning given the term in section 101 of title 38. ( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran. ( Pub. L. 90321, title VI, 603, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1128 ; amended Pub. L. 102537, 2 ( b ), Oct. 27, 1992, 106 Stat. 3531 ; Pub. L. 104208, div. A, title II, 2402, Sept. 30, 1996, 110 Stat. 3009426 ; Pub. L. 105347, 6 ( 1 ) ( 3 ), Nov. 2, 1998, 112 Stat. 3211 ; Pub. L. 108159, title I, 111, title II, 214 ( c ) ( 1 ), title IV, 411 ( b ), ( c ), title VI, 611, Dec. 4, 2003, 117 Stat. 1954, 1983, 2001, 2010 ; Pub. L. 111203, title X, 1088 ( a ) ( 1 ), ( 2 ) ( A ), ( C ), ( 3 ), July 21, 2010, 124 Stat. 2086, 2087 ; Pub. L. 115174, title III, 302 ( b ) ( 1 ), May 24, 2018, 132 Stat. 1333. )
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| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This organization is in violation of the following laws : 15 Usc 1681 which states- ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
12 CFR 1016.7 which states- ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 1016.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 1016.4 of this part, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships in the case of financial institutions other than credit unions and covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( d ), you is limited to financial institutions other than credit unions and financial institutions described in 1016.3 ( l ) ( 3 ) of this part.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint checking account with you and arrange for you to send statements to XXXXXXXX XXXX address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXXXXXX XXXX address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXXXXXX XXXX opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( e ) Joint relationships in the case of credit unions.
( 1 ) If two or more consumers jointly obtain a financial product or service, other than a loan, from a credit union, the credit union may provide only a single opt out notice. The opt out notice must explain how the credit union will treat an opt out direction by a joint consumer ( as explained in the examples in paragraph ( e ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. A credit union may either : ( i ) Treat an opt out direction by a joint consumer to apply to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If a credit union permits each joint consumer to opt out separately, the credit union must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) A credit union may not require all joint consumers to opt out before the credit union implements any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint share account with a credit union and arrange for the credit union to send statements to XXXX 's address, the credit union may do any of the following, but it must explain in its opt out notice which opt out policy it will follow : ( i ) Send a single opt out notice to XXXX 's address, but it must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If it does so, and XXXX opts out, it may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If it does so, and if XXXX and XXXX both opt out, it must permit one or both of them to notify it in a single response ( such as on a form or through a telephone call ).
( 6 ) Special rule for loans.
( i ) A credit union is required to provide an initial opt out notice to a borrower or guarantor on a loan if it shares his or her nonpublic personal information with nonaffiliated third parties other than for purposes under 1016.13, 1016.14, and 1016.15.
( ii ) A credit union may satisfy its annual opt out notice requirement by providing one notice to those borrowers and guarantors jointly.
( f ) Joint relationships in the case of covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( f ), you is limited to the financial institutions described in 1016.3 ( l ) ( 3 ).
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( f ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( j ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 1016.9 of this part.
( k ) Model privacy form. Pursuant to 1016.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in the appendix to this part.
15 USC 1681e which states ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
15 USC 1681c which states ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.
( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a veterans medical debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veterans medical debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
( b ) Exempted cases The provisions of paragraphs ( 1 ) through ( 5 ) of subsection ( a ) are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more.
( c ) Running of reporting period ( 1 ) In general The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
( 2 ) Effective date Paragraph ( 1 ) shall apply only to items of information added to the file of a consumer on or after the date that is 455 days after XX/XX/XXXX.
( d ) Information required to be disclosed ( 1 ) Title 11 information Any consumer reporting agency that furnishes a consumer report that contains information regarding any case involving the consumer that arises under title 11 shall include in the report an identification of the chapter of such title 11 under which such case arises if provided by the source of the information. If any case arising or filed under title 11 is withdrawn by the consumer before a final judgment, the consumer reporting agency shall include in the report that such case or filing was withdrawn upon receipt of documentation certifying such withdrawal.
( 2 ) Key factor in credit score information Any consumer reporting agency that furnishes a consumer report that contains any credit score or any other risk score or predictor on any consumer shall include in the report a clear and conspicuous statement that a key factor ( as defined in section 1681g ( f ) ( 2 ) ( B ) of this title ) that adversely affected such score or predictor was the number of enquiries, if such a predictor was in fact a key factor that adversely affected such score. This paragraph shall not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, but only to the extent that such company is engaged in such activities.
( e ) Indication of closure of account by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 4 ) of this title that a credit account of a consumer was voluntarily closed by the consumer, the agency shall indicate that fact in any consumer report that includes information related to the account.
( f ) Indication of dispute by consumer If a consumer reporting agency is notified pursuant to section 1681s2 ( a ) ( 3 ) of this title that information regarding a consumer who [ 1 ] was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.
( g ) Truncation of credit card and debit card numbers ( 1 ) In general Except as otherwise provided in this subsection, no person that accepts credit cards or debit cards for the transaction of business shall print more than the last 5 digits of the card number or the expiration date upon any receipt provided to the cardholder at the point of the sale or transaction.
( 2 ) Limitation This subsection shall apply only to receipts that are electronically printed, and shall not apply to transactions in which the sole means of recording a credit card or debit card account number is by handwriting or by an imprint or copy of the card.
( 3 ) Effective date This subsection shall become effective ( A ) 3 years after XX/XX/XXXX, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is in use before XX/XX/XXXXXXXX ; and ( B ) 1 year after XX/XX/XXXX, with respect to any cash register or other machine or device that electronically prints receipts for credit card or debit card transactions that is first put into use on or after XX/XX/XXXX.
( h ) Notice of discrepancy in address ( 1 ) In general If a person has requested a consumer report relating to a consumer from a consumer reporting agency described in section 1681a ( p ) of this title, the request includes an address for the consumer that substantially differs from the addresses in the file of the consumer, and the agency provides a consumer report in response to the request, the consumer reporting agency shall notify the requester of the existence of the discrepancy.
( 2 ) Regulations ( A ) Regulations required The Bureau shall,, [ 2 ] in consultation with the Federal banking agencies, the XXXX XXXX XXXX XXXX, and the Federal Trade Commission,, [ 2 ] prescribe regulations providing guidance regarding reasonable policies and procedures that a user of a consumer report should employ when such user has received a notice of discrepancy under paragraph ( 1 ).
( B ) Policies and procedures to be included The regulations prescribed under subparagraph ( A ) shall describe reasonable policies and procedures for use by a user of a consumer report ( i ) to form a reasonable belief that the user knows the identity of the person to whom the consumer report pertains; and ( ii ) if the user establishes a continuing relationship with the consumer, and the user regularly and in the ordinary course of business furnishes information to the consumer reporting agency from which the notice of discrepancy pertaining to the consumer was obtained, to reconcile the address of the consumer with the consumer reporting agency by furnishing such address to such consumer reporting agency as part of information regularly furnished by the user for the period in which the relationship is established.
15 USC 1681s 2 ( A ) 1 Which states - ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 USC 1681C ( a ) ( 5 ) - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 USC 6802 ( b ) ( c ) - the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 USC 1681 section 604 a section 2- allows CRAs to furnish consumer reports in accord with the written instructions of the consumer to whom it relates 15 USC 6801- ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/XXXX Dear Sir and Madam : I, XXXX XXXX XXXX ( Complainant ) had attempted on a few occasions to login into my online official Trans Union LLC ( TransUnion ) Credit Monitoring account web application for which, I have a monthly payment subscription fee of {$19.00} per month ; in order for me to retrieve my monthly billing statements ( See Exhibit A ), credit scores and credit file reports. However, after, I had attempted to login into my online official TransUnions Credit Monitoring account web application twice then I had received an error messages for each login attempts dated on XX/XX/XXXX. Afterward, when I had tried to login into my online official TransUnions Credit Monitoring account web application for which, I have had for more than three decades. Now, my online official TransUnions Credit Monitoring account web application has been unlawfully and temporarily suspended without me receiving any online official alerts or notifications to why, TransUnion had unlawfully and temporarily suspended my online official TransUnions Credit Monitoring account web application sent to my personal email account, XXXX are as follows : Credit Monitoring Just Keeping you in the know.
Dear XXXX, In order to protect your privacy, weve temporarily suspended access to your account because we were unable to validate your information. See Exhibit B1 at XXXX and Exhibit B2 at XXXX.
So, I had decided to contact TransUnions telephone customer service representative by ways of their telephone number, XXXX then the TransUnion voice prompt have me to verify my identity with three questions for which, one of those question had been intentionally and falsely misrepresented my [ full ] legal name, as XXXX XXXX ( for which, XXXX XXXX is not my legal name, my legal name is XXXX XXXX XXXX XXXX. And I was forced to select the correct answer to what state did XXXX XXXX lived in which is/was unlawfully, intentionally, knowingly, and willfully matched, mapped, linked, or connected to my authentic Personal identifier Information ( PII ) which is either, matched, mapped, linked, or connected to my online official TransUnions Credit Monitoring account number web application. When TransUnions employee [ s ] had unlawfully, intentionally, knowingly, and willfully known that/those person [ s ] who had subscribed by a fictitious name [ s ] without proof or evidence was/were allowed by TransUnions employee [ s ] which had allowed that/those fictitious named person [ s ] to gain unlawfully accesses to my online official TransUnions Credit Monitoring account web application for no apparent reasons. In which, I had selected none of the above for my question answer from the voice telephone prompt, as my selected option choice.
After, I had successfully answered TransUnion three prompt verification questions then I was telephone connected to the TransUnions telephone representative named, XXXX XXXX XXXX ) who had not successfully helped me to retrieve my online official TransUnions Credit Monitoring account web application. After, I had legally verified my [ full ] name, date of birth, address, and telephone number to XXXX from our telephone communications with one another. However, I had refused to give XXXX my full social security number over our telephone call communications, but I did provide XXXX with my last four digits of my social security number ; in order for me to reclaim legal accesses to my online official TransUnions Credit Monitoring account number web application. Also, I had explained or communicated to XXXX, I had not made any login typing errors into either the username or password fields because I had always successfully logged into my online official TransUnions Credit Monitoring account web application. Since, I had legally changed my password dated on XX/XX/XXXX, and the last time, I had successfully logged into my online official TransUnions Credit Monitoring account web application dated on XX/XX/XXXX. However, XXXX had persisted and falsely accused me of causing my temporarily suspension to my online official TransUnions Credit Monitoring account web application after three attempts when I had only made two attempts in which the evidence were sent to my personal email account, XXXX that shown my online official TransUnions Credit Monitoring account web application was already temporarily suspended prior to me attempting to login into my online official TransUnions Credit Monitoring account web application. See Exhibits B1 and B2.
So, XXXX had stated, she can reset my online official TransUnions Credit Monitoring account web application by sending me a temporary password to my personal email account, XXXX and using my username. In order for me to login into my online official TransUnions Credit Monitoring account web application which had presented five unsuccessful login attempts that always had resulted in a TransUnion system generated email message sent to my personal email address, XXXX which had stated, my online official TransUnions Credit Monitoring account web application was still temporarily suspended from XXXX instructions are as follows : 1. XXXX had sent me the temporary password, XXXX to my email account, XXXX at XXXX, see exhibit C1 then 2. I had received an email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C2.
3. XXXX had to reset my online official TransUnions Credit Monitoring account web application a 2nd time then I was told by XXXX to reenter the same temporary password, XXXX sent to my email address, XXXX into the TransUnion login webpage again then 4. I had received the 2nd email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C3.
XXXX. XXXX had to reset my online official TransUnions Credit Monitoring account web application a 3rd time then I was told by XXXX to reenter the same temporary password, XXXX sent to my email address, XXXX into the TransUnion login webpage again then 6. I had received the 3rd email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C4.
XXXX. XXXX had to reset my online official TransUnions Credit Monitoring account web application a 4th time then I was told by XXXX to reenter the same temporary password, XXXX sent to my email address, XXXX into the TransUnion login webpage again then 8. I had received the 4th email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C5.
XXXX. XXXX had to reset my online official TransUnions Credit Monitoring account web application a 5th time then I was told by XXXX to reenter the same temporary password, XXXX sent to my email address, XXXX into the TransUnion login webpage again then 10. I had received the 5th email message to my email address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit C6.
After, all my attempts to regain legal access to my online official TransUnions Credit Monitoring account web application through TransUnions login webpage than I had requested to XXXX to transfer my telephone call to the TransUnion customer service representatives manager. However, before XXXX had transferred my TransUnion telephone call to the customer services representatives manager than XXXX had stated, I HATE TALKING TO YOU XXXX. So, I had responded to XXXX who had utilized or used her narrative oratorial piece or speech with added XXXX epithet phases on our telephone call communications with one another than I had stated in a form of a question to XXXX, what did you say to me then XXXX had quickly transferred my telephone call to her TransUnion customer service representatives manager without her answering my question only she had repeatedly saying I am trying to help you while XXXX was transferring my telephone call to her TransUnion customer service representatives manager.
Subsequently, I was transferred to the TransUnion customer service representatives manager named XXXX XXXX XXXX ) who also had wanted me to verify my identity over our telephone call communications, and I had provided to XXXX with my appropriate PII except for my full social security number to which, I had only provided to XXXX in our telephone communications with one another. My last four digits of my social security number for verification. And, XXXX had started to investigate into why, I could not login into my online official TransUnions Credit Monitoring account web application which was unlawfully and temporarily suspended problems without me receiving any legal petition, summon or court order from Transunions for their Prima-Facie evidence premises problems for that/those person [ s ] who had subscribed by a fictitious name [ s ] without proof or evidence representations from any judiciary court system. In who actual own my TransUnions Credit Monitoring hard and soft account, and to why my online official TransUnions Credit Monitoring account web application was unlawfully and temporarily suspended was most likely based on a Bad Man Theory legal Prima-Facie premises were subscribed by a [ n ] fictitious, similar, or exact name [ s ] person [ s ] who had intentionally changed his/her legal name [ s ] to my [ full ] legal name ( XXXX XXXX XXXX or XXXX XXXX who [ m ] has/had unlawfully, intentionally, knowingly, and willfully trafficked in false or actual identification documents, authentication features or identification cards properties by means of negligent, false, and fraudulent misrepresentations statements to TransUnion ; in order to gain unlawful accesses to my TransUnion Credit File Account and Report without my lawful authority. And, XXXX did not know why, I could not login into my online official TransUnions Credit Monitoring account web application.
In addition, XXXX had sent me a temporary password, XXXX to my personal email account, XXXX at XXXX, see exhibit D1 then I had received an email message to my email personal address, XXXX that my online official TransUnions Credit Monitoring account web application is still temporarily suspended at XXXX. See Exhibit D2. So, XXXX had told me to stay on our telephone call frequency while I am on hold, so, she can do more research and when XXXX had returned to my held telephone call left onto the hold position. And, XXXX had stated to me that my legal date of birth had been changed without me receiving any notification from TransUnions furnisher because TransUnion had supposedly has some type of technical programmatic coding problems with their system which had caused them to have online TransUnions Credit Monitoring services product problems. Therefore, XXXX had provided me with a case number, XXXX then XXXX had stated to me that I should receive a telephone call from their technical support department within seventy-two hours with regards to my online official TransUnions Credit Monitoring account web application being temporarily suspended problems and my telephone call communication with XXXX, the TransUnion customer service representatives manager had ended at approximately XXXX dated on XX/XX/XXXX.
As a results, it had been more than two-hundred and sixty-four ( 264 ) hours or eleven ( 11 ) days, since, I had verbalized my legal complaint to TransUnions customer service representative ( XXXX ) and her manager ( XXXX ) with respect to my online official TransUnions Credit Monitoring account web application being unlawfully and temporarily suspended problems. And, as of todays XX/XX/XXXX, I had not received any telephone call from TransUnion.
Afterward, I had immediately ordered, my Transunion Credit File Report hardcopy by ways of the Free Annual Credit Report from their prompt messages instructions telephone toll-free number at XXXX was successfully submitted dated on XX/XX/XXXX. And, on XX/XX/XXXX, I had received from the United States Postal Service ( USPS ) informed delivery, the photograph image of my TransUnions envelope sent to my personal email address, XXXX that I will received into my residential mailbox number, XXXX. See Exhibit E. And, on XX/XX/XXXX, I had gone to the common area foyer which is in my apartment building ; in order for me to retrieve my mail letters items from my residential mailbox number, XXXX including the TransUnions letter envelope. However, as, I had reached the 2nd floor to my apartment unit, XXXX, one of my tenant with a male voice had shouted through his apartment unit door or walls and said, WE NEED A COPY OF YOUR SOCIAL SECURITY CARD AND YOU WILL EVENTUALLY FIND OUT THAT TRANSUNION LETTER IS FAKE AND SUBSTITUTED FOR THE ORIGINAL TRANSUNION CREDIT REPORT. So, when I had returned to my apartment unit XXXX, I had immediately opened my TransUnion letter sent by ways of the USPS facilities jurisdiction ( see Exhibits F1 and F2 ) for which, I had thought my TransUnion letter was my weekly Free Annual Credit Report. I had ordered from TransUnion through their telephone toll free number, but normally, I will order, my TransUnion credit reports through their Annual Credit Report online website than I would printout a copy to my printer, as an official copy. Instead, I had received a fraudulent letter from a fictitious person or party claiming to be TransUnion in which, the TransUnions letter appears authentic when it is not authentic TransUnions letter indicating TransUnion needed Proof of my Social Security Number, as my neighbor had actual stated herein, what was in the contextualized contents of the fraudulent TransUnions letter he had been correct.
As a result, I had immediately accessed my online TransUnions credit report dated on XX/XX/XXXX, at approximately XXXX then I had officially opened my TransUnions credit report online and I had printed out an official copy of my TransUnions credit report through the free weekly Annual Credit Report website. In order for me to verify the legitimacy of the fraudulent TransUnions letter which was sent to me by ways of the USPS jurisdictional facilities for requesting a copy of my social security card. Please keep in mind that TransUnions software system for their client-side and database that contains all debtors reported activities from the furnishers or parties must contain the same details. I have referred this, as the IT Developers website and database client and server sides compliance requirements of a matching principles application. In order words, the fraudulent TransUnion contextualized content details letter sent by ways of the USPS facilities jurisdiction should have matched to my online access of my TransUnions free weekly credit report database file, as an IT compliance matching principle requirements. And, the fraudulent TransUnions letter sent by ways of the USPS facilities jurisdiction to my residential mailbox, XXXX and my online official TransUnions Credit Monitoring account web application which was unlawfully and temporarily suspended did not match to my online TransUnions free weekly credit report database file. In which, I had officially printed out, my TransUnion credit report without any problems that should have indicated, my online TransUnion credit file account is temporarily suspended, as well, but it did not. Now, the fraudulent TransUnions letter in which, I had received into my residential mailbox number, XXXX is confirming my suspicion questions of the TransUnions letter actual legitimacy and authenticity or else, I would have received the same TransUnion temporarily suspended message from my online TransUnion free weekly Annual Credit File Report website. Therefore, the question remains who [ m ] is/are involved in the [ identity ] theft of my official and original TransUnions free weekly Annual Credit Report for which, I had ordered by ways of the TransUnion telephone toll-free number at XXXX dated on XX/XX/XXXX, which was unlawfully, intentionally, knowingly, and willfully substituted with a fraudulent TransUnions letter which was delivered to my residential mailbox number, XXXX by ways of the USPS facilities jurisdiction?
In XXXX, I had discovered similar problems with my old student loan debts for which, identity thieves had unlawfully, intentionally, knowingly, and willfully stolen approximately {$16000.00} from my personal bank checking account than sent me fraudulent United States, Department of Education ( USDoE ) confirmation letters through an official USPS facilities jurisdictions that my student loans payments were received and deducted from my student loans accounts from a fictitious named, person [ s ] or party [ ies ] claiming to be the USDoE from XXXX to XXXX, and those fictitious named, person [ s ] or party [ ies ] never paid my student loans bills. In which, those fraudulent letters also look like legitimate letters, and when I had verified my student loans account balances through the official online USDoE website, no principle or interest were never applied to my official student loans account that how I had discovered the mail and wire fraud problems against my economic stability and civil rights or liberty problems by ways of the USPS jurisdictional facilities from fraudulent debt collection problems.
In addition, I am extremely suspicious when I make any outwardly telephone calls such as, to the TransUnions customer services representative that my telephone calls are unlawfully and intentionally being intercepted by an unknown third parties which had pretended to be TransUnion who are involved in identity thefts methods or schemes because nothing never get resolved causing me to be inflicted with Human Rights problems against my own TransUnion credit file account from these intercepted telephone calls pretending to be TransUnion. And, I am forced to formally file a legal complaints to the CFPB in order to resolved my online TransUnions credit file account identity thefts problems by a fictitious named, person [ s ] or party [ ies ].
I am highly suspicious and unnerved from my continuous violations problems with either conspiracy against my rights or civil liberty rights problems or enforced compulsory conditions of servitude problems against my online TransUnions Credit Filed account, reports and scores within the USPS facilities jurisdictions. This also includes tenant [ s ] who lives at my XXXX XXXX XXXX complex who [ m ] have participated in a said collaborated efforts to steal my personal and official TransUnions Credit File Report [ s ] which [ may ] have been unlawfully replaced with the fraudulent TransUnions letter into my residential mailbox number, XXXX. In order to disguised unlawful identity thefts collaborated actions against me between the USPS employee [ s ] and XXXX XXXX XXXX tenants. In order for them to escape prosecutorial consequences in a XXXX XXXX XXXX applications which had applied unlawful, intentional, knowing and willful trafficking in false or actual identification documents, authentication features or identification cards properties without my lawful authorities in order for them to obtain forged rental apartment contractual agreements and/or employments using my authentic TransUnions credit reports sent by ways of the USPS facilities jurisdiction than substituting my authentic TransUnions credit reports with fraudulent letters.
XXXX XXXX XXXX Legal Analysis of her Official TransUnions Online Credit Monitoring Account being Unlawfully and Temporarily Suspended in Violations of the FCRA are as follows : TransUnion is Withholding Notifications : Now, I am experiencing unlawful and temporarily suspension into my online official TransUnions Credit Monitoring account web application in accordance with the Fair Credit Reporting Act ( FCRA ), and I am legally entitled to know how my TransUnion credit file information is reported, handled, and used by TransUnion and their analytical team. In addition, TransUnion may be withholding legal notices of any fraudulent applied creditor [ s ] and PII modifications to my online official TransUnions Credit Monitoring account web application by ways of failing or refusing to send me those notifications of inaccuracies and negative credit information when it is used to make my credit decision for which, I had the rights to legally dispute, TransUnion. So, the bottom line is TransUnion is not letting me know how my online official TransUnions Credit Monitoring account web application is being used is a violation of the FCRA.
TransUnion had Violated My Privacy Rights : TransUnion has/had violated my privacy right after, TransUnion had unlawfully handed over my online official TransUnions Credit Monitoring account web application either to : 1. a person [ s ] who had subscribed by a fictitious named, or 2. a person [ s ] who had unlawfully, intentionally, knowingly, and willfully changed his/her legal name [ s ] to my [ full ] legal name ( XXXX XXXX XXXX and/or XXXX ) XXXX in order for the fictitious named, person to gain unlawful accesses to my TransUnion Credit File Account, Reports and Scores , or 3. a person [ s ] who had unlawfully subscribed by a fictitious name [ s ] had unlawfully, intentionally, knowingly, and willfully forged my legal name and signature [ s ] onto an official or fraudulent notarized instrument [ s ] by ways of those collections of a [ n ] Powers of Attorney, Affidavits and/or Waived Rights documents without my lawful authorities. When the fictitious named, person [ s ] and/or party [ ies ] would not have any legal authorization and jurisdictions to my personal TransUnions credit file account, reports, and scores. And, if TransUnion had been found sharing my TransUnions credit file account, reports, and scores with an unauthorized person [ s ] or party [ ies ] than TransUnion had violated my protected rights to privacy under the FCRA. So, the bottom line is, only certain parties are entitled to my online official TransUnions Credit Monitoring account web application, and TransUnion who is providing my information to unauthorized person [ s ] or party [ ies ] had violated my legal rights to privacy under the FCRA.
Unauthorized Parties are Requesting my TransUnion Credit File Reports for an Impermissible Purposes : TransUnion may have violated the FCRA, if TransUnion has/had supplied, my online official TransUnions Credit Monitoring account web application to a fictitious named, person [ s ] or party [ ies ] for impermissible purposes. What does impermissible purposes mean which would include an employer who had unlawfully pulled my TransUnion credit file information, reports, and scores without my written permissions and lawful authorities or a creditor had unlawfully pulled my TransUnion credit file information, reports, and scores to check on my current financial status for no provided reasons such as, a recent application for a new credit card that I had not authorized. So, the bottom line is, for that/those person [ s ] or party [ ies ] who had subscribed by a fictitious name [ s ] who had requested my TransUnions Credit file account information, reports and scores needed a valid reasons for doing so, and TransUnion may have not ensured a fictitious named, person [ s ] or party [ ies ] reasonings most likely has/had valid violated the FCRA.
TransUnion Had Mixed My Online Official TransUnions Credit Monitoring Account with Another TransUnion Person : TransUnion has/had most likely mixed my online official TransUnions Credit Monitoring account web application with that of another TransUnions debtor [ s ] person who shared similar PII information, as my legal PII such as, my [ full ] legal name, date of birth, address, and social security number for which, my date of birth, address, and social security number should have not been duplicated because it is associated with my name and TransUnions Credit File Account only , and so on, and not with another TransUnions debtor [ s ] person [ s ]. However, if this have occurred under TransUnion legal jurisdiction than TransUnion had violated their obligations to report my accurate credit file information, reports, and scores about me. Furthermore, when I have submitted my legal dispute [ s ] to TransUnion regarding my online official TransUnions Credit Monitoring account web application which has been unlawfully and temporarily suspended without me receiving any online official alerts or notifications to why or accuracy questions than TransUnion must respond to my official telephone call communication [ s ] or online dispute [ s ] in a certain ways. In which, TransUnion must conduct a reasonable investigation of my disputes, modifications and correction that are found inaccurate information into my TransUnions Credit File Account information, and TransUnion must remove my disputed items from my TransUnions Credit File Account information, report, and score within thirty ( 30 ) to forty-five ( 45 ) days after receiving my dispute notification [ s ]. So, the bottom line is, TransUnion must respond to my TransUnions credit file account that was unlawfully and temporarily suspended dispute in a certain ways, and when TransUnion did not follow those procedures dated on XX/XX/XXXX, than TransUnion have violated the FCRA.
TransUnion May Perhaps Furnishing and Reporting Inaccurate Information into My Online Official TransUnions Credit Monitoring Account : Much like credit card companies, TransUnion should not intentionally, knowingly, and willfully supply incorrect information into my online official TransUnions Credit Monitoring account web application than unlawfully and temporarily suspended my online official TransUnions Credit Monitoring account web application. In order for TransUnion to hide fraudulent activities and PII modifications that would have shown up into my TransUnions Credit File Account information. So, the bottom line is, TransUnion should have not given my TransUnions Credit File Account information for which, TransUnion should have known or knew is/are untrue or inaccurate.
Now, I feel, as if, I am intentionally deprived from my intangible rights of a honest services to received my online official TransUnions Credit Monitoring account web application to which I have paid a monthly subscription without unwarranted searches, constant human practical errors or programmatic technical coding glitches, fallacies changes or modifications from a fictitious named, person [ s ] or party [ ies ] with no probable causes for TransUnion continuous interferences, hinderances or impediments of my online TransUnions credit file account legal jurisdictions which are protected by the FCRA.
I have not legally or officially changed my full legal name, XXXX XXXX XXXX, social security number, and date of birth ( XX/XX/XXXX ) in any judiciary court system. So, why is my PII always coming up a problem with my online official TransUnions Credit Monitoring account web application monthly paid subscription? And, I had also attempted to retrieve my online official TransUnions Credit Monitoring account web application from the forgotten password webpage interactive feature when I had submitted my appropriate information into the input fields than the TransUnion forgotten password web page had returned to the original TransUnion forgotten password web page with an empty input fields, again.
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| 01/04/2024 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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To whom it may concern : I am contesting any information on my credit report that is not true or documented. This includes any claims that have not been proven to be correct. I am doing this in accordance with the FCRA and the accepted STANDARD of metro 2 data field reporting.I can not recognize or accept the allegation of delinquency and derogatoriness without factual document proof. I challenge the reportability of these allegations because they are unsubstantiated. According to federal and state law, you must report any allegation accurately and completely.It is wrong to report any claims that you know or should know are against the law or regulations. I'm writing to inform you that you need to make sure all your claims are factual and reported correctly. This is required by the Metro 2 reporting standard. I request that you provide physical verifiable evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate this issue and determine whether it is still being reported accurately and in compliance with the law. If it is not, I want it removed from the report.I authorize you to mail me physical documentation of your actions and my updated credit report.The following allegations appear to be inaccurate and require verification before they can be considered accurate. Please report each allegation fully and accurately, ensuring that all information is verified as correct or REMOVE them from my report. Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for TransUnion NAME : XXXX XXXX XXXX XXXX- I would appreciate it if you could take care of any names that may be listed incorrectly in your database. My actual name is XXXX XXXX if you have anything in your system that is different from what I have just mentioned, please delete them immediately. CURRENT ADDRESS : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - My address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and if you have any listings with different address ( s ), please delete them immediately so the information you have on file for me is accurate. XXXX - XXXX The information above was never proven to meet compliance reporting standards. The information was never verified to be accurate or complete. I demand that this information be deleted immediately! Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized Credit Limit ( XXXX ) presenting {$10000.00}. The only thing that's more important than compliance is accuracy! Prove to me your information for this account has been fully vetted and meets all of federal law. I need you show proof or explain how it complies with Metro 2 standards Upon inspecting Term Length ( XXXX ) exhibiting -. I am disappointed to find that the data you reported does not meet our standards. It is inaccurate because it deviates from what's required by Metro 2 rules and there can never be any deviations from these requirements so please correct this account right away before my finances are impacted by incomplete or unverified information. Lets examine Payment Amount ( XXXX ) showing {$0.00} The proof is in the pudding. I challenge you to show that your process for reporting and formatting accounts into Metro 2 files meets all of these guidelines! If we can't trust what's on my credit report, then who knows how many other things will fall apart when they rely upon accurate information from them? Lets examine Date Opened ( XXXX ) showing XX/XX/XXXX Metro 2 requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here! XXXX XXXX XXXX - XXXX The information provided above has not been certified to meet any reporting standards. The data is not complete, accurate, or up-to-date, and no evidence has been supplied to confirm compliance with any consumer protection laws. I demand that this information be deleted immediately. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting Date Opened ( XXXX ) exhibiting XX/XX/XXXX. These discrepancies are alarming and I'm confident you'll resolve them quickly. Please review the account with a fine tooth comb, as it appears that something isn't quite right here! The data appears inaccurate or inconsistent with established reporting standards of the CDIA. Viewing Date Reported ( - ) demonstrating XX/XX/XXXXXXXX You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation? Upon inspecting Date of Last Activity ( XXXX ) exhibiting XX/XX/XXXXXXXX I am writing to ask for your help in reviewing this account. The data appears inaccurate or inconsistent with established reporting standards of the CDIA, so I would like you to review it again and make sure everything is true/ accurate about what's going on here before accepting its accuracy as fact! If there are any discrepancies when checking out these claims please remove me from consideration immediately because nothing can be worth doing at less than 100 % Bring to your attention Account Type ( XXXX ) reporting Revolving account I think this account is inaccurate because it doesn't follow the required standards. I challenge you to prove that this account and your reporting practices and process are perfect and complete. That includes following the Credit Reporting Industry 's Metro 2 Format standards. If you can't do that, then clearly my credit report and what youre reporting for is not accurate. Lets examine Past Due Amount ( XXXX ) showing - Clearly you're not a fan of compliance standards, as I can tell from how inaccurate the data for this account and my credit report is! This isn't enough to convince me that all information for the account has been verified. Prove it! When I scrutinized Creditor Type ( - ) presenting Revolving account. It appears there is a problem with the data reported because it doesn't meet required standards. The information may not be accurate due to deviations from what's needed in compliance with Metro 2 guidelines, so You must make sure all fields are filled out correctly according to those standards PRIOR to adding anything to my credit profile! XXXX XXXX - XXXX I am extremely disappointed that the information you have provided is not accurate and does not meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now. Also, see the image above for XXXX CARD ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Upon inspecting Payment Status ( XXXX ) exhibiting Charged off as bad debt. The data you reported doesn't meet the requirements! It's not accurate because it deviates from what is required. As I know, You must always report all fields in compliance with Metro 2 standards and there can be no deviations from these rules so please correct this account right away before I am financially impacted by this incomplete, unverified and inaccurate information Lets take a look at Date Opened ( XXXX ) reporting XX/XX/XXXX. There may be a problem with the data reported because it doesn't meet the required standards. The data may not be accurate because it deviates from what is required. As you know You must report all Data fields in compliance with the Metro 2 standards. There can be no deviation from these requirements. When I scrutinized Past Due Amount ( XXXX ) presenting -. Compliance with regulatory requirements is essential for accurate credit reporting! Prove to me that your information for this account has been fully vetted and meets all the standards of federal law, including but not limited Metro 2 standards. I need you show proof or explain how this account is compliant I was looking at Payment Amount ( XXXX ) expressing {$0.00} We all know the importance of compliance with regulatory mandates for accurate credit reporting, but how did you prove it for this account? That's what I'm trying to find out here.I need some convincing documentation that can show me the process for ensuring 100 % accuracy and compliance with credit reporting guidelines and regulations. I want physical tangible proof! Viewing Account Status ( XXXX ) demonstrating Closed is deviating from applicable compliance standards! It is imperative that the data within my credit report is accurately reported, which can be accomplished only if there's no deviation from what's required for compliance reporting! If data reporting isn't done correctly or taken seriously then we might see less integrity of said reports as they will lack one or more essential components needed to make them believable and reliable. If the data in my reports is inaccurate that may negatively impact my credit score and my ability to obtain financing in the future. XXXX XXXX - XXXX The inaccurate and outdated information you have provided is unacceptable and needs to be fixed immediately. If it is not fixed, legal action may be necessary. Your database and credit report should only contain accurate information. Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Last Payment ( XXXX ) expressing -. This is a formal complaint about the content of my report. It has come to my attention that you failed in following standard procedures for accuracy, and as such I question its validity if not fixed immediately. Lets examine Term Length ( XXXX ) showing -. The data for this account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately. Viewing Account Description demonstrating Individual account. There are some aspects of this account that I am having trouble understanding because its not accurate. Can you provide more information about your process for ensuring 100 % compliance across all areas? XXXX XXXX XXXX XXXX XXXX The derogatory information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately! Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized Creditor Type ( - ) presenting Installment account This account appears to be inaccurate or inconsistent with the established reporting standards of CDIA. I would like you to review this report again and PROVE that everything is true, accurate ( i.e., dates ), compliant with all requirements & comply immediately if unable! I was looking at Balance Owed ( XXXX ) expressing {$2400.00}. There is no question that compliance with regulatory mandates for accurate credit reporting, including those related to document verifications and proofing processes has never been more important. Can you show me where your company is following all of the rules when it comes to reporting this account? I'm looking for official documentation that will prove 100 % accuracy and compliance with credit-reporting guidelines. Physical tangible proof! Lets examine Date of Last Activity ( XXXX ) showing XX/XX/XXXX. That's not quite right. What is your current level of compliance with CDIA standards? I noticed that you have not adhered to all reporting requirements. Please review the information on file and prove its accuracy. I am demanding that you adhere to the standards of CDIA reporting requirements or remove my information from this account immediately! Lets take a look at Date Opened ( XXXX ) reporting XX/XX/XXXX. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report Upon inspecting Payment Status ( XXXX ) exhibiting Charged off as bad debt. I believe we have some issues with accuracy and compliance regarding this account. I challenge you prove the accuracy of this account and reporting practices with proof from Metro 2 standards. If applicable compliance standards are not followed then my records may contain inaccurate information about myself which will affect future loans or decisions made based on those wrong assumptions. Lets examine High Balance ( XXXX ) showing {$11000.00} Compliance with Metro 2 standards is paramount to ensure accurate data reporting. There can be NO deviation from these mandatorily required fields, or it would compromise the integrity of all reported information. When reviewing this account, apparent inaccuracies call into question the entire account! XXXX XXXX XXXX - XXXX The data above was never certified to meet any reporting standards. It's also worth noting that this information may be incomplete, outdated, or unsupported. I would like to see any incorrect or unsupported material removed from this page. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I was looking at Account # ( XXXX ) expressing XXXX The data on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove to me that everything is true, accurate, consistent etcetera! If unable then remove my profile immediately- please do not hesitate in removing accounts which do not meet these requirements When I scrutinized Date of Last Activity ( XXXX ) presenting XX/XX/XXXX. The information reported doesn't seem to meet the standards set by Metro 2 guidelines. You must make sure all fields are filled out correctly and in 100 % compliances prior adding anything onto my credit profile! Please remove this inaccurate record from my report or provide proof of your compliance with applicable standards. When I scrutinized Account Description presenting Individual account I noticed some issues! You know that I'm a hard-working individual, but there are some things on my credit report which do not reflect the truth. The accuracy of your reports depend on how thoroughly you follow the standards set by Metro 2. If I can't trust what's in my credit report, then there is no point to having one at all!. This account doesn't follow the required standards, and I challenge you to prove that everything is perfect in my report! XXXX XXXX - XXXX I demand that this deficient information be deleted immediately! This information was never verified to be accurate, complete, timely, or validated. It was never proven to be compliant with reporting standards. Also, see the image above for XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. When I scrutinized 2 Year Payment History presenting I am writing to ask for an explanation of why your account appears inaccurate or inconsistent with established reporting standards at CDIA. There seems to be some discrepancies and I would like them resolved immediately! Viewing Balance Owed ( XXXX ) demonstrating {$160.00}. The content of this account does not meet Metro 2 requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting. My credit report should comply with metro 2 requirements or else I will have my ability to finance questioned. This account needs fixing immediately! Viewing High Balance ( XXXX ) demonstrating {$160.00} The accuracy of my credit report is crucial to me. My future financing options may be limited if the information in it isn't accurate and I'll need even more than just good scores before getting approved for anything! This account seems to be inaccurate and not adhering to compliance standards. XXXX - XXXX I demand that any wrong, incomplete, or unsupported material be deleted from the content that was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated, and I require any documentation confirming compliance with reporting obligations and any consumer legislation. Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. Viewing Account Status ( XXXX ) demonstrating Closed. I am reaching out to you because the content of this account does not meet Metro 2 Format requirements. I challenge anyone who uses these reports and their process, including following standard procedures for accuracy in reporting- if unable then clearly my credit score has been challenged by inaccuracies on files which need fixing before anything else can happen with these accounts!. Credit Reports should represent financial standing while adhering strictly towards compliance standards ; otherwise my ability as an individual will be questioned based off what's included within them without verification from another source such as bank statements or other documents related directly toward finances. Please fix this account immediately! Upon inspecting 2 Year Payment History exhibiting. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself! I was looking at Account # ( XXXX ) expressing XXXX The information on this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove me wrong, so that my account can be 100 % accurate! XXXX XXXX XXXX - XXXX The content mentioned above was never verified to meet reporting standards. The data preceding it was never verified to be accurate, complete, or up to date. I require any erroneous, incomplete, or unsupported material be deleted. Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I want to bring to your attention Date Opened ( XXXX ) reporting XX/XX/XXXXXXXX The data for this account appears to be inaccurate or inconsistent with established reporting standards of the CDIA. I would like you to review it again and prove that everything is true, accurate, complete ( in time ), verified & compliant with all requirements- if not then please remove my profile! I want to bring to your attention Payment Amount ( XXXX ) reporting {$0.00}. This account is not compliant with the standards and is deficient in its reporting ability. As you know, compliance with regulatory mandates is essential for accurate credit reporting! Prove to me that your information for this account is compliant? Prove to me how you met all the regulatory requirements! If you can not prove compliance with federal and state regulations and mandates, youre deficient in your ability to report effectively. I want to bring to your attention Last Payment ( XXXX ) reporting -. I believe that this account is not compliant with the standards and its reporting ability. As you know, compliance with regulatory mandates such as those set out by federal or state governments are essential for accurate credit card transactions? Prove to me how your information was able meet these high expectations by providing documents which prove otherwise!? Lets examine Date of Last Activity ( XXXX ) showing XX/XX/XXXXXXXX I challenge you to prove that your reporting practices and process are perfect, complete with Metro 2 format guidelines! If you cant do so then clearly my credit report which relies on accurate information will also not be accurate! When I scrutinized Balance Owed ( XXXX ) presenting {$7900.00} I challenge the accuracy of this account on my credit report. You know that I am a hard-working individual, but there are some things on it which do not reflect what's true for me and this is why your company has received so many complaints from customers who had issues with their reports being accurate or complete enough as they claim to be able provide such services if needed! How can I trust what's in my credit report? It doesn't look like you're following the required standards. XXXX XXXX XXXX - XXXX The above-mentioned content was never certified to be in conformity with reporting standards. The preceding data was never proven to be exact, complete, up to date, or validated! Documentation confirming compliance with reporting obligations and any consumer legislation is required. The information supplied above is insufficient. I demand that any wrong, incomplete, or unsupported material be deleted! Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern. I want to bring to your attention Past Due Amount ( XXXX ) reporting - The data for this account appears to be inaccurate or inconsistent with the established reporting standards of the CDIA. I would like you to review the account again and prove to me that everything is true, accurate, consistent, complete, timely, verified and compliant with all requirements and standards. If you can not adhere to compliance standards and prove your adherence to compliance standards please remove this account from my profile immediately! Viewing Last Payment ( XXXX ) demonstrating -. You are in serious trouble if you can't provide proof that this account has been compliant with all current regulations! I need evidence to back up your claims. Show me how exactly does it meet these requirements? Upon inspecting Account Description exhibiting Individual account. The federal and state regulations are a necessary component in ensuring that your company is run responsibly. I can't imagine how we would operate if they were not obeyed! So, let 's take this opportunity for you to show me proof of your adherence to applicable compliance standards for this particular account. Upon inspecting Account Status ( XXXX ) exhibiting Closed. There are certain things I can not live without. One of those necessities is compliance with federal and state regulations! So, how did you manage to comply? Prove your compliance by showing me some proof! Bring to your attention 2 Year Payment History reporting What are your thoughts on this? I challenge you to prove that my credit report and reporting practices are perfect. If you can't do it, then clearly the information in regards to me is inaccurate because Metro 2 standards arent being met! Inquiries ELAN FINANCI XX/XX/XXXXXXXX TransUnion I received a copy of my credit report and noticed a credit inquiry from a company that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file without my authorization, so please remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiry. XXXX XXXX XXXX XX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not authorize this company to review my credit report. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report. The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry. XXXX XXXX XXXX XX/XX/XXXX TransUnion I received my credit report and was surprised to find an inquiry on it. As you know, this should not have been reported! The Fair Credit Reporting Act states that no one can access your information without your permission, so please provide me with proof of what reason they had for doing so by providing documentation containing signatures showing that I applied for a loan or line of business venture through their company, as well as any other relevant details. Im sure you will realize that these inquiries shouldnt be on my credit after all! Yours Truly You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
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| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Tranunion, XXXX, and XXXX continue to report inaccurate information on my consumer account listed XXXX XXXX XXXX. There are several inconsistencies and they do not have consent to report the information.
Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Each reporting agency must provide an opt out notice to each consumer in a timely manner. A consumer can not be late on an open ended consumer plan and they need my written consent to produce a consumer report on me. I asking that each provide me with the documentation I signed that gives them the authority to produce this alleged report.
17 CFR 248.124 - Reasonable opportunity to opt out.
CFR prev | next 248.124 Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by 248.121 ( a ) ( 1 ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( 1 ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( 2 ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( 3 ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer may use to opt out at that time using the same mechanism through which the transaction is conducted.
( 4 ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer may use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check one of two blank check boxesone that allows consumers to indicate that they want to opt out and one that allows consumers to indicate that they do not want to opt out.
( 5 ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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This company did not honor my request to opt of out the reporting of the accounts stated in the attached dispute letter per the privacy act of 1974. Other consumer reporting agencies have honored my request to remove this information. They have broken the following federal laws.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section XXXX of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
5 U.S. Code 552a - Records maintained on individuals ( a ) Definitions.For purposes of this section ( 1 ) the term agency means agency as defined in section 552 ( e ) [ 1 ] of this title ; ( 2 ) the term individual means a citizen of the United States or an alien lawfully admitted for permanent residence ; ( 3 ) the term maintain includes maintain, collect, use, or disseminate ; ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( 5 ) the term system of records means a group of any records under the control of any agency from which information is retrieved by the name of the individual or by some identifying number, symbol, or other identifying particular assigned to the individual ; ( 6 ) the term statistical record means a record in a system of records maintained for statistical research or reporting purposes only and not used in whole or in part in making any determination about an identifiable individual, except as provided by section 8 of title 13 ; ( 7 ) the term routine use means, with respect to the disclosure of a record, the use of such record for a purpose which is compatible with the purpose for which it was collected ; ( 8 ) the term matching program ( A ) means any computerized comparison of ( i ) two or more automated systems of records or a system of records with non-Federal records for the purpose of ( I ) establishing or verifying the eligibility of, or continuing compliance with statutory and regulatory requirements by, applicants for, recipients or beneficiaries of, participants in, or providers of services with respect to, cash or in-kind assistance or payments under Federal benefit programs, or ( II ) recouping payments or delinquent debts under such Federal benefit programs, or ( ii ) two or more automated Federal personnel or payroll systems of records or a system of Federal personnel or payroll records with non-Federal records, ( B ) but does not include ( i ) matches performed to produce aggregate statistical data without any personal identifiers ; ( ii ) matches performed to support any research or statistical project, the specific data of which may not be used to make decisions concerning the rights, benefits, or privileges of specific individuals ; ( iii ) matches performed, by an agency ( or component thereof ) which performs as its principal function any activity pertaining to the enforcement of criminal laws, subsequent to the initiation of a specific criminal or civil law enforcement investigation of a named person or persons for the purpose of gathering evidence against such person or persons ; ( iv ) matches of tax information ( I ) pursuant to section 6103 ( d ) of the Internal Revenue Code of 1986, ( II ) for purposes of tax administration as defined in section 6103 ( b ) ( 4 ) of such Code, ( III ) for the purpose of intercepting a tax refund due an individual under authority granted by section 404 ( e ), 464, or 1137 of the Social Security Act ; or ( IV ) for the purpose of intercepting a tax refund due an individual under any other tax refund intercept program authorized by statute which has been determined by the Director of the Office of Management and Budget to contain verification, notice, and hearing requirements that are substantially similar to the procedures in section 1137 of the Social Security Act ; ( v ) matches ( I ) using records predominantly relating to Federal personnel, that are performed for routine administrative purposes ( subject to guidance provided by the Director of the Office of Management and Budget pursuant to subsection ( v ) ) ; or ( II ) conducted by an agency using only records from systems of records maintained by that agency ; if the purpose of the match is not to take any adverse financial, personnel, disciplinary, or other adverse action against Federal personnel ; ( vi ) matches performed for foreign counterintelligence purposes or to produce background checks for security clearances of Federal personnel or Federal contractor personnel ; ( vii ) matches performed incident to a levy described in section 6103 ( k ) ( 8 ) of the Internal Revenue Code of 1986 ; ( viii ) matches performed pursuant to section 202 ( x ) ( 3 ) or 1611 ( e ) ( 1 ) of the Social Security Act ( 42 U.S.C. 402 ( x ) ( 3 ), 1382 ( e ) ( 1 ) ) ; ( ix ) matches performed by the Secretary of Health and Human Services or the Inspector General of the Department of Health and Human Services with respect to potential fraud, waste, and abuse, including matches of a system of records with non-Federal records ; or ( x ) matches performed pursuant to section 3 ( d ) ( 4 ) of the Achieving a Better Life Experience Act of 2014 ; 1 ( 9 ) the term recipient agency means any agency, or contractor thereof, receiving records contained in a system of records from a source agency for use in a matching program ; ( 10 ) the term non-Federal agency means any State or local government, or agency thereof, which receives records contained in a system of records from a source agency for use in a matching program ; ( 11 ) the term source agency means any agency which discloses records contained in a system of records to be used in a matching program, or any State or local government, or agency thereof, which discloses records to be used in a matching program ; ( 12 ) the term Federal benefit program means any program administered or funded by the Federal Government, or by any agent or State on behalf of the Federal Government, providing cash or in-kind assistance in the form of payments, grants, loans, or loan guarantees to individuals ; and ( 13 ) the term Federal personnel means officers and employees of the Government of the United States , members of the uniformed services ( including members of the Reserve Components ), individuals entitled to receive immediate or deferred retirement benefits under any retirement program of the Government of the United States ( including survivor benefits ).
( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under subsection ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agency with advance adequate written assurance that the record will be used solely as a statistical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ( 6 ) to the National Archives and Records Administration as a record which has sufficient historical or other value to warrant its continued preservation by the United States Government, or for evaluation by the Archivist of the United States or the designee of the Archivist to determine whether the record has such value ; ( 7 ) to another agency or to an instrumentality of any governmental jurisdiction within or under the control of the United States for a civil or criminal law enforcement activity if the activity is authorized by law, and if the head of the agency or instrumentality has made a written request to the agency which maintains the record specifying the particular portion desired and the law enforcement activity for which the record is sought ; ( 8 ) to a person pursuant to a showing of compelling circumstances affecting the health or safety of an individual if upon such disclosure notification is transmitted to the last known address of such individual ; ( 9 ) to either House of Congress, or, to the extent of matter within its jurisdiction, any committee or subcommittee thereof, any joint committee of Congress or subcommittee of any such joint committee ; ( 10 ) to the Comptroller General, or any of his authorized representatives, in the course of the performance of the duties of the Government Accountability Office ; ( 11 ) pursuant to the order of a court of competent jurisdiction ; or ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
( c ) Accounting of Certain Disclosures.Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under subsections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to another agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under paragraph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the accounting is made ; ( 3 ) except for disclosures made under subsection ( b ) ( 7 ) of this section, make the accounting made under paragraph ( 1 ) of this subsection available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been disclosed to the person or agency if an accounting of the disclosure was made.
( d ) Access to Records.Each agency that maintains a system of records shall ( 1 ) upon request by any individual to gain access to his record or to any information pertaining to him which is contained in the system, permit him and upon his request, a person of his own choosing to accompany him, to review the record and have a copy made of all or any portion thereof in a form comprehensible to him, except that the agency may require the individual to furnish a written statement authorizing discussion of that individuals record in the accompanying persons presence ; ( 2 ) permit the individual to request amendment of a record pertaining to him and ( A ) not later than 10 days ( excluding Saturdays, Sundays, and legal public holidays ) after the date of receipt of such request, acknowledge in writing such receipt ; and ( B ) promptly, either ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or ( ii ) inform the individual of its refusal to amend the record in accordance with his request, the reason for the refusal, the procedures established by the agency for the individual to request a review of that refusal by the head of the agency or an officer designated by the head of the agency, and the name and business address of that official ; ( 3 ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding Saturdays, Sundays, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such 30-day period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( XXXX ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Transunion, XXXX, and XXXX are reporting my student loan financial information without my consent. My student loan financial history is protect under th
e Family Educational Act. 20 U.S. Code 1232g - Family educational and privacy rights ( a ) Conditions for availability of funds to educational agencies or institutions ; inspection and review of education records ; specific inf
ormation to be made available ; procedure for access to education records ; reasonableness of time for such access ; hearings; written explanations by parents ; definitions ( 1 ) ( A ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy of denying, or which effectively prevents, the parents of students who are or have been in attendance at a school of such agency or at such institution, as the case may be, the right to inspect and review the education records of their children. If any material or document in the education record of a student includes information on more than one student, the parents of one of such students shall have the right to inspect and review only such part of such material or document as relates to such student or to be informed of the specific information contained in such part of such material. Each educational agency or institution shall establish appropriate procedures for the granting of a request by parents for access to the education records of their children within a reasonable period of time, but in no case more than forty-five days after the request has been made.
( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section.
( C ) The first sentence of subparagraph ( A ) shall not operate to make available to students in institutions of postsecondary education the following materials : ( i ) financial records of the parents of the student or any information contained therein ; ( ii ) confidential letters and statements of recommendation, which were placed in the education records prior to XXXX XXXX, XXXX, if such letters or statements are not used for purposes other than those for which they were specifically intended ; ( iii ) if the student has signed a waiver of the students right of access under this subsection in accordance with subparagraph ( D ), confidential recommendations ( I ) respecting admission to any educational agency or institution, ( II ) respecting an application for employment, and ( III ) respecting the receipt of an honor or honorary recognition.
( D ) A student or a person applying for admission may waive his right of access to confidential statements described in clause ( iii ) of subparagraph ( C ), except that such waiver shall apply to recommendations only if ( i ) the student is, upon request, notified of the names of all persons making confidential recommendations and ( ii ) such recommendations are used solely for the purpose for which they were specifically intended. Such waivers may not be required as a condition for admission to, receipt of financial aid from, or receipt of any other services or benefits from such agency or institution.
( 2 ) No funds shall be made available under any applicable program to any educational agency or institution unless the parents of students who are or have been in attendance at a school of such agency or at such institution are provided an opportunity for a hearing by such agency or institution, in accordance with regulations of the Secretary, to challenge the content of such students education records, in order to insure that the records are not inaccurate, misleading, or otherwise in violation of the privacy rights of students, and to provide an opportunity for the correction or deletion of any such inaccurate, misleading or otherwise inappropriate data contained therein and to insert into such records a written explanation of the parents respecting the content of such records.
( 3 ) For the purposes of this section the term educational agency or institution means any public or private agency or institution which is the recipient of funds under any applicable program.
( 4 ) ( A ) For the purposes of this section, the term education records means, except as may be provided otherwise in subparagraph ( B ), those records, files, documents, and other materials which ( i ) contain information directly related to a student; and ( ii ) are maintained by an educational agency or institution or by a person acting for such agency or institution.
( B ) The term education records does not include ( i ) records of instructional, supervisory, and administrative personnel and educational personnel ancillary thereto which are in the sole possession of the maker thereof and which are not accessible or revealed to any other person except a substitute ; ( ii ) records maintained by a law enforcement unit of the educational agency or institution that were created by that law enforcement unit for the purpose of law enforcement ; ( iii ) in the case of persons who are employed by an educational agency or institution but who are not in attendance at such agency or institution, records made and maintained in the normal course of business which relate exclusively to such person in that persons capacity as an employee and are not available for use for any other purpose; or ( iv ) records on a student who is eighteen years of age or older, or is attending an institution of postsecondary education, which are made or maintained by a physician, psychiatrist, psychologist, or other recognized professional or paraprofessional acting in his professional or paraprofessional capacity, or assisting in that capacity, and which are made, maintained, or used only in connection with the provision of treatment to the student, and are not available to anyone other than persons providing such treatment, except that such records can be personally reviewed by a physician or other appropriate professional of the students choice.
( 5 ) ( A ) For the purposes of this section the term directory information relating to a student includes the following : the students name, address, telephone listing, date and place of birth, major field of study, participation in officially recognized activities and sports, weight and height of members of athletic teams, dates of attendance, degrees and awards received, and the most recent previous educational agency or institution attended by the student.
( B ) Any educational agency or institution making public directory information shall give public notice of the categories of information which it has designated as such information with respect to each student attending the institution or agency and shall allow a reasonable period of time after such notice has been given for a parent to inform the institution or agency that any or all of the information designated should not be released without the parents prior consent.
( 6 ) For the purposes of this section, the term student includes any person with respect to whom an educational agency or institution maintains education records or personally identifiable information, but does not include a person who has not been in attendance at such agency or institution.
( b ) Release of education records ; parental consent requirement ; exceptions ; compliance with judicial orders and subpoenas ; audit and evaluation of federally-supported education programs ; recordkeeping ( 1 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of permitting the release of education records ( or personally identifiable information contained therein other than directory information, as defined in paragraph ( 5 ) of subsection ( a ) ) of students without the written consent of their parents to any individual, agency, or organization, other than to the following ( A ) other school officials, including teachers within the educational institution or local educational agency, who have been determined by such agency or institution to have legitimate educational interests, including the educational interests of the child for whom consent would otherwise be required ; ( B ) officials of other schools or school systems in which the student seeks or intends to enroll, upon condition that the students parents be notified of the transfer, receive a copy of the record if desired, and have an opportunity for a hearing to challenge the content of the record ; ( C ) ( i ) authorized representatives of ( I ) the Comptroller General of the United States , ( II ) the Secretary, or ( III ) State educational authorities, under the conditions set forth in paragraph ( 3 ), or ( ii ) authorized representatives of the Attorney General for law enforcement purposes under the same conditions as apply to the Secretary under paragraph ( 3 ) ; ( D ) in connection with a students application for, or receipt of, financial aid ; ( E ) State and local officials or authorities to whom such information is specifically allowed to be reported or disclosed pursuant to State statute adopted ( i ) before November 19, 1974, if the allowed reporting or disclosure concerns the juvenile justice system and such systems ability to effectively serve the student whose records are released, or ( ii ) after November 19, 1974, if ( I ) the allowed reporting or disclosure concerns the juvenile justice system and such systems ability to effectively serve, prior to adjudication, the student whose records are released ; and ( II ) the officials and authorities to whom such information is disclosed certify in writing to the educational agency or institution that the information will not be disclosed to any other party except as provided under State law without the prior written consent of the parent of the student. [ 1 ] ( F ) organizations conducting studies for, or on behalf of, educational agencies or institutions for the purpose of developing, validating, or administering predictive tests, administering student aid programs, and improving instruction, if such studies are conducted in such a manner as will not permit the personal identification of students and their parents by persons other than representatives of such organizations and such information will be destroyed when no longer needed for the purpose for which it is conducted ; ( G ) accrediting organizations in order to carry out their accrediting functions ; ( H ) parents of a dependent student of such parents, as defined in section 152 of title 26 ; ( I ) subject to regulations of the Secretary, in connection with an emergency, appropriate persons if the knowledge of such information is necessary to protect the health or safety of the student or other persons ; ( J ) ( i ) the entity or persons designated in a Federal grand jury subpoena, in which case the court shall order, for good cause shown, the educational agency or institution ( and any officer, director, employee, agent, or attorney for such agency or institution ) on which the subpoena is served, to not disclose to any person the existence or contents of the subpoena or any information furnished to the grand jury in response to the subpoena ; and ( ii ) the entity or persons designated in any other subpoena issued for a law enforcement purpose, in which case the court or other issuing agency may order, for good cause shown, the educational agency or institution ( and any officer, director, employee, agent, or attorney for such agency or institution ) on which the subpoena is served, to not disclose to any person the existence or contents of the subpoena or any information furnished in response to the subpoena ; ( K ) the Secretary of Agriculture, or authorized representative from the Food and Nutrition Service or contractors acting on behalf of the Food and Nutrition Service, for the purposes of conducting program monitoring, evaluations, and performance measurements of State and local educational and other agencies and institutions receiving funding or providing benefits of 1 or more programs authorized under the Richard B. Russell National School Lunch Act ( 42 U.S.C. 1751 et seq. ) or the Child Nutrition Act of 1966 ( 42 U.S.C. 1771 et seq. ) for which the results will be reported in an aggregate form that does not identify any individual, on the conditions that ( i ) any data collected under this subparagraph shall be protected in a manner that will not permit the personal identification of students and their parents by other than the authorized representatives of the Secretary; and ( ii ) any personally identifiable data shall be destroyed when the data are no longer needed for program monitoring, evaluations, and performance measurements; and ( L ) an agency caseworker or other representative of a State or local child welfare agency, or tribal organization ( as defined in section 5304 of title 25 ), who has the right to access a students case plan, as defined and determined by the State or tribal organization, when such agency or organization is legally responsible, in accordance with State or tribal law, for the care and protection of the student, provided that the education records, or the personally identifiable information contained in such records, of the student will not be disclosed by such agency or organization, except to an individual or entity engaged in addressing the students education needs and authorized by such agency or organization to receive such disclosure and such disclosure is consistent with the State or tribal laws applicable to protecting the confidentiality of a students education records.
Nothing in subparagraph ( E ) of this paragraph shall prevent a State from further limiting the number or type of State or local officials who will continue to have access thereunder.
( 2 ) No funds shall be made available under any applicable program to any educational agency or institution which has a policy or practice of releasing, or providing access to, any personally identifiable information in education records other than directory information, or as is permitted under paragraph ( 1 ) of this subsection, unless ( A ) there is written consent from the students parents specifying records to be released, the reasons for such release, and to whom, and with a copy of the records to be released to the students parents and the student if desired by the parents, or ( B ) except as provided in paragraph ( 1 ) ( J ), such information is furnished in compliance with judicial order, or pursuant to any lawfully issued subpoena, upon condition that parents and the students are notified of all such orders or subpoenas in advance of the compliance therewith by the educational institution or agency, except when a parent is a party to a court proceeding involving child abuse and neglect ( as defined in section 3 of the Child Abuse Prevention and Treatment Act ( 42 U.S.C. 5101 note ) ) or dependency matters, and the order is issued in the context of that proceeding, additional notice to the parent by the educational agency or institution is not required.
( 3 ) Nothing contained in this section shall preclude authorized representatives of ( A ) the Comptroller General of the United States, ( B ) the Secretary, or ( C ) State educational authorities from having access to student or other records which may be necessary in connection with the audit and evaluation of Federally-supported education programs, or in connection with the enforcement of the Federal legal requirements which relate to such programs : Provided, That except when collection of personally identifiable information is specifically authorized by Federal law, any data collected by such officials shall be protected in a manner which will not permit the personal identification of students and their parents by other than those officials, and such personally identifiable data shall be destroyed when no longer needed for such audit, evaluation, and enforcement of Federal legal requirements.
( 4 ) ( A ) Each educational agency or institution shall maintain a record, kept with the education records of each student, which will indicate all individuals ( other than those specified in paragraph ( 1 ) ( A ) of this subsection ), agencies, or organizations which have requested or obtained access to a students education records maintained by such educational agency or institution, and which will indicate specifically the legitimate interest that each such person, agency, or organization has in obtaining this information. Such record of access shall be available only to parents, to the school official and his assistants who are responsible for the custody of such records, and to persons or organizations authorized in, and under the conditions of, clauses ( A ) and ( C ) of paragraph ( 1 ) as a means of auditing the operation of the system.
( B ) With respect to this subsection, personal information shall only be transferred to a third party on the condition that such party will not permit any other party to have access to such information without the written consent of the parents of the student. If a third party outside the educational agency or institution permits access to information in violation of paragraph ( 2 ) ( A ), or fails to destroy information in violation of paragraph ( 1 ) ( F ), the educational agency or institution shall be prohibited from permitting access to information from education records to that third party for a period of not less than five years.
( 5 ) Nothing in this section shall be construed to prohibit State and local educational officials from having access to student or other records which may be necessary in connection with the audit and evaluation of any federally or State supported education program or in connection with the enforcement of the Federal legal requirements which relate to any such program, subject to the conditions specified in the proviso in paragraph ( 3 ).
( 6 ) ( A ) Nothing in this section shall be construed to prohibit an institution of postsecondary education from disclosing, to an alleged victim of any crime of violence ( as that term is defined in section 16 of title 18 ), or a nonforcible sex offense, the final results of any disciplinary proceeding conducted by such institution against the alleged perpetrator of such crime or offense with respect to such crime or offense.
( B ) Nothing in this section shall be construed to prohibit an institution of postsecondary education from disclosing the final results of any disciplinary proceeding conducted by such institution against a student who is an alleged perpetrator of any crime of violence ( as that term is defined in section 16 of title 18 ), or a nonforcible sex offense, if the institution determines as a result of that disciplinary proceeding that the student committed a violation of the institutions rules or policies with respect to such crime or offense.
( C ) For the purpose of this paragraph, the final results of any disciplinary proceeding ( i ) shall include only the name of the student, the violation committed, and any sanction imposed by the institution on that student; and ( ii ) may include the name of any other student, such as a victim or witness, only with the written consent of that other student.
( 7 ) ( A ) Nothing in this section may be construed to prohibit an educational institution from disclosing information provided to the institution under section 14071 [ 2 ] of title 42 concerning XXXX XXXX XXXX who are required to register under such section.
( B ) The Secretary shall take appropriate steps to notify educational institutions that disclosure of information described in subparagraph ( A ) is permitted.
( c ) Surveys or data-gathering activities ; regulations Not later than 240 days after XXXX XXXX XXXX, the Secretary shall adopt appropriate regulations or procedures, or identify existing regulations or procedures, which protect the rights of privacy of students and their families in connection with any surveys or data-gathering activities conducted, assisted, or authorized by the Secretary or an administrative head of an education agency. Regulations established under this subsection shall include provisions controlling the use, dissemination, and protection of such data. No survey or data-gathering activities shall be conducted by the Secretary, or an administrative head of an education agency under an applicable program, unless such activities are authorized by law.
( d ) Students rather than parents permission or consent For the purposes of this section, whenever a student has attained eighteen years of age, or is attending an institution of postsecondary education, the permission or consent required of and the rights accorded to the parents of the student shall thereafter only be required of and accorded to the student.
( e ) Informing parents or students of rights under this section No funds shall be made available under any applicable program to any educational agency or institution unless such agency or institution effectively informs the parents of students, or the students, if they are eighteen years of age or older, or are attending an institution of postsecondary education, of the rights accorded them by this section.
( f ) Enforcement ; termination of assistance The Secretary shall take appropriate actions to enforce this section and to deal with violations of this section, in accordance with this chapter, except that action to terminate assistance may be taken only if the Secretary finds there has been a failure to comply with this section, and he has determined that compliance can not be secured by voluntary means.
( g ) Office and review board ; creation ; functions The Secretary shall establish or designate an office and review board within the Department for the purpose of investigating, processing, reviewing, and adjudicating violations of this section and complaints which may be filed concerning alleged violations of this section. Except for the conduct of hearings, none of the functions of the Secretary under this section shall be carried out in any of the regional offices of such Department.
( h ) Disciplinary records ; disclosure Nothing in this section shall prohibit an educational agency or institution from ( 1 ) including appropriate information in the education record of any student concerning disciplinary action taken against such student for conduct that posed a significant risk to the safety or well-being of that student, other students, or other members of the school community ; or ( 2 ) disclosing such information to teachers and school officials, including teachers and school officials in other schools, who have legitimate educational interests in the behavior of the student.
( i ) Drug and alcohol violation disclosures ( 1 ) In general Nothing in this Act or the Higher Education Act of 1965 [ 20 U.S.C. 1001 et seq. ] shall be construed to prohibit an institution of higher education from disclosing, to a parent or legal guardian of a student, information regarding any violation of any Federal, State, or local law, or of any rule or policy of the institution, governing the use or possession of alcohol or a controlled substance, regardless of whether that information is contained in the students education records, if ( A ) the student is under the age of 21 ; and ( B ) the institution determines that the student has committed a disciplinary violation with respect to such use or possession.
( 2 ) State law regarding disclosure Nothing in paragraph ( 1 ) shall be construed to supersede any provision of State law that prohibits an institution of higher education from making the disclosure described in subsection ( a ).
( j ) Investigation and prosecution of terrorism ( 1 ) In general Notwithstanding subsections ( a ) through ( i ) or any provision of State law, the Attorney General ( or any Federal officer or employee, in a position not lower than an Assistant Attorney General, designated by the Attorney General ) may submit a written application to a court of competent jurisdiction for an ex parte order requiring an educational agency or institution to permit the Attorney General ( or his designee ) to ( A ) collect education records in the possession of the educational agency or institution that are relevant to an authorized investigation or prosecution of an offense listed in section 2332b ( g ) ( 5 ) ( B ) of title 18, or an act of domestic or international terrorism as defined in section 2331 of that title ; and ( B ) for official purposes related to the investigation or prosecution of an offense described in paragraph ( 1 ) ( A ), retain, disseminate, and use ( including as evidence at trial or in other administrative or judicial proceedings ) such records, consistent with such guidelines as the Attorney General, after consultation with the Secretary, shall issue to protect confidentiality.
( 2 ) Application and approval ( A ) In general.
An application under paragraph ( 1 ) shall certify that there are specific and articulable facts giving reason to believe that the education records are likely to contain information described in paragraph ( 1 ) ( A ).
( B ) The court shall issue an order described in paragraph ( 1 ) if the court finds that the application for the order includes the certification described in subparagraph ( A ).
( 3 ) Protection of educational agency or institution An educational agency or institution that, in good faith, produces education records in accordance with an order issued under this subsection shall not be liable to any person for that production.
( 4 ) Record-keeping Subsection ( b ) ( 4 ) does not apply to education records subject to a court order under this subsection.
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| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Complaint for Review The Fair Credit Reporting Act, 15 U.S.C. 1681, Att : Federal Trade Commission & Consumer Financial Protection Bureau This Complaint is Against the 3 major Credit reporting Agencies as well as the XXXX XXXX, and/or any entity that generates Credit Scores.
From our research and/or looking into the ongoing matters and/or correspondences and/or informations obtained from others and/or correspondences it appears that FICO and/or Credit Scores are a way to circumvent credit protection laws in place and/or are a model thats used to manipulate the outcomes of percentage rates given to consumers. And its being communicated and/or represented appearances are itself is without any rules or regulations or oversight and/or is there any dispute processes available in relation to the same.
That it is adversely effecting economics and the wellbeing of all entities as well as consumers and/or is part of the economic system collapses, past and future, affecting financing, businesses, households as well as the average persons etc.
It appears it is controlled by the creditors & credit reporting agencies and/or others generating FICO and/or credit scores model 's and/or entities without any compliance to consumer protections laws, and dispute processes.
For example, being able to obtain what the 3 reporting agencies are reporting at no cost within limitations ( Currently more than one free report per year ) in references to an consumers FICO and/or credit score without being charged by the reporting agencies. You can not obtain a free copy f your credit score from any of the reporting agencies and/or or the summaries they are providing to creditors and/or amongst themselves and/or FICO and/or credit score generating entities compliances to regulations requirements in references free reports and/or by the 3 reporting agencies.
This pertains to their availability being provided to consumers in references to FICO and/or credit scores and/or summaries prior to and/or by the 3 reporting agencies as per known consumers protection regulations. This makes it so that requirements are being circumvented as well as a mystery with 100 's of variables.
Furthermore, the credit reporting agencies and/or those generating FICO and/or credit scores claim that they dont provide credit scores to consumers and when consumers enquire are made, they are alluded to any such request in writing and/or are circumventing them.
For example, TransUnion ( Please note we are not picking on any one particular we are presenting this about all of them and/or those involved in what the topics we are presenting to you ).
It clearly States " if you like to receive your " TransUnion Credit Score " please provide payment then they state " score if applicable. '' This creates an atmosphere where consumers aren't able to know which of the 100 's of models will be used and/or are applicable to them at any time or during times they are considering financing.
This in turn is manipulated by creditors while forcing consumers to have, numerous hard inquiries which lower their scores.
Because of the classic tactic used by creditors is, that your rate payments and/or if you qualify is dependence of your FICO and/or credit score which is not free of charge and good luck on that one. The FICO score is a shame and its part of the shell game and it needs to be addressed by this agency and/or the agency needs to forward this complaint to whoever has jurisdiction and/or legislators and/or those who handle Fair Credit Act Violations. Our last complaint fell on death ears and we hope and pray that the new administration will review this complaint and take proper actions to put an end to the Credit Score Shell Game Shame.
The Credit Score Which is a secrete between the reporting agencies entities and/or the creditors and the circumvention is the 100 's of models used and even according to TransUnion and the other 3 Credit reporting agencies is a mystery.
It also eliminates any prequalification processes excused by the FICO and/or scorecard entities and/or elimination of numerous hard credits inquires instead it increases the need for hard inquiries.
When in fact the same entities have the ability to do soft credit inquires without any consumers consents. All while putting consumers at a disadvantage while opening the door for manipulation of the same and/or rates, credibility and/or for the shell game to occur. The days of Soft inquiries are over and/or The Credit Score Shell Game Scam is the new norm no matter how unfair and biased it is as well as flawed.
According to TransUnion response 100 's of models are used throughout the United States and there are so many variables to generate any one FICO and/or credit score so the XXXX are plentiful.
And if that wasn't bad enough every hard credit inquires drops consumers scores because of the 100 's of models used predicts consumers credit unworthiness and/or that a consumer is less credible due to any given models prediction.
Although some may consider it as one inquiry or lower ones scores less while other 's may not. And again, because there is 100 's of methods used one agency may not of consider it so while others may again its presented as a mystery with many variables created to circumvent any regulatory protections put in place.
It also allows the creditors to play the shell game all while raising the price and/or interest rates available to the average consumers and/or denying average consumers of the reserves available at such times that usurping is occurring by scrupulous individuals and/or a limited partnership.
While doing so impacting the overall economy by creating a negative impact on it in the long term by forcing the Fed to drop interest rates creating usurping of scrupulous individuals of those drops which most everyone else is not eligible because of these matters we are reporting about.
Who then are benefitting from them through a limited partnership of investors that uses high risk methods, such as investing with borrowed money, in hopes of realizing large capital gains and/or through manipulation and/or circumventing preventive measures legislated and/or put in place?
Meanwhile its usurping the reserves and/or creating higher payments and/or restricting availability of reserves to a limited partnership of investors. Creating a situation where as themselves exclusives in possession of and/or control of the supply of and/or trade in a commodity or services and/or rates reserves etc. available at any given in any point of time.
All while having an overall negative impact on the economic systems creating collapses by making such reserves unavailable to consumers and just available to the scrupulous limited individuals who are usurping them.
Whom also are profiteering from the crashing of the financial economics systems while placing the burdens or bankrupting companies, which may be for-profit, non-profit or government-owned, that sells the promise to pay for certain expenses in exchange for a regular fee, called a premium? All of which is creating the need for an act of giving financial assistance to a failing business or economy to save it from collapse.
The same situations occur when the 100 's of models used predicts one who has the capacity to enter a binding contract has and/or wants to increase the amount of merchant accounts or creditors by lowering their scores. Which is a clear violation of the Fair Credit Act it is discrimination at its best and it based on models that those who are circumventing the Fair Credit Act have willful designed with the purpose to do such. Its not based on your actual history or records it based on a model that most people dont actually fit in. A one size fits all. Its based on other people or some model that some annalist concocted. We will get into some specific situations that occurs in my instances and/or complaint.
This also forces and/or opens the door for consumers and/or entities go outside of the United States for financing or to scrupulous or shady characters and/or those engaged in money laundering.
Creating a negative impact in doing so also creates jitters in the stock markets. And a domino effect of selling of stocks again it impacts the overall economy based on predictions created by a computer prediction system.
This is full of unknown variables, which in any given time could change. This in fact in the past has caused the markets to crash. Creating regulatory changes where human interaction is required and/or other safeguards had to be put in place.
So basically, it appears their circumventing credit laws that are applicable and are in cohorts with financial institutions and/or FICO and/or other such entities being without any oversight, guidance and/or standards.
Nor can consumers dispute what they are reporting in references to consumers credit scores and/ or their summaries and/or FICO and/or Credit Scores assigned by them and/or any entity.
Which the amount of interest rates or availability of credit and/or is the gauge of consumers credibility along with a summary as in the copy we provided to the regulatory oversight agencies and/or ones credibility is determined by and/or based on The Credit Score Shell Scam.
Or can consumers know what the methods used were or can consumers have any FICO and/or credit scores that are incorrect fixed because there is " hundreds '' and those methods no one can know except those using them at any given point of time and they can vary.
So therefore, they are correct as well as the process according to such by appearance.
This should be an indicator that something is wrong and/or of no consistency due to errors and/or data, predictions and/or validity and/or 100 % accuracy isnt occurring properly.
Creating variables that can be manipulated and/or have an adverse effect on a consumers credit rating, is considered it appears, to be represented as the norm by them which concocted by some analysis based according to them what other people have done.
And as they will state and/or have stated its up to the financial and credit reporting agencies and/or FICO and/or an entity to determine what that is by manipulating and/or generating the " 100 's of scoring models used today '' Which predicts & profiles, that is discriminatory by its very nature. And uses analysis of hundreds of others prior billing payments made and/or historical data. And not by the individual themselves.
Then they are allowed to place whomever they want however they want in any category they want without any consistency creating variables in a category whether applicable or not.
Lets look at an example of that if you pay off a Mortgage in full your credit score drops because you paid and account and closed it. ( See Attached copy of Screen Shot ) So, if you borrow and pay back, youre punished by having to pay higher rates and/or even not being able to be granted credit. Because of the Credit Score Shell Game Scam.
In this example I had a few different mortgages for different properties al that were paid on time. As well as at times refinanced and/or paid in full.
Lets review some of that the 1st unfair and/or inaccuracy that occurs by the analysis model is that when you refinance a mortgage to get a lower interest rate which increases your income to debt ratio your credit score drops. That is not appropriate and opposite of what should occur. People who do smart money management or lower interest rates lower the length a mortgage are put into the Credit Score Shell Game Scam. And their credit score drops instead of going up.
Next, they also totally act as though there is no history of mortgage payments for example when you refinance to increase your income to debt ratio the prior mortgage is paid in full. Your then placed in the category which is not correct for the asset and/or the property and/or what has occurred your Credit Score Shell Scam drops. The reason explained is because 2 things one you closed an account. So, are people supposed to keep a mortgage account open that was paid off? Being paced in that category is erroneous and not correct and/or should it be allowed and/or applicable.
Lets look at another worse example. If you pay off your mortgage then own the property outright and have no more mortgage payments on that property. Once again, your wrongfully paced in the Credit Score Shell Scam.
For example, your mortgage that you paid off was XXXX a month and you have a duplex that is renting for XXXX a month and a property that you own ( Asset ) Worth Approximately XXXX and you just increased your income to debt ration your credit score drops again because of the Credit Score Shell Scam.
Again, its unfair not accurate and is erroneous and/or not based on your actual situation. And/or credit worthiness. Its based on the Unfair Credit Score Shell Scam.
Youre also punished if you use cash to make purchase and/or pay off bills to avoid interest charges and/or fees. That again punishes and literally fines people for smart management of money and/or their credit to debt ratios.
For example, you got a credit card from XXXX XXXX at 0 % interest to work on another duplex so you could lower the mortgage payment and get a better rate as well as pull equity out while updating improving the property to make it so that an apartment income that was not prior could occur. Then you pay off that card because the original agreement you made with the creditor and/or XXXX XXXX was you had to pay the bill off by a certain time to avoid interest cost and be at 0 %. Afterwards your credit score drops again and why well because of the Unfair Credit Score Shell Scam.
So, if you have no credit cards and/or have mortgages they dont matter because you dont have credit cards. If you get a credit card for a certain reason then pay it in full and close that account you are again punished because of your good money management and/or keeping your cost down and increasing cash flow and/or savings. You score will go down because Consumer Closed Account.
Your supposed to keep accounts open so they can charge you fees and/or membership fees and/or in hopes that you max it out and can not pay it seems be the hidden agenda and/or how it is in appearance all of which is hidden and allowed by the so-called Fair Credit Act.
And its all, up to all of them, by doing such manipulative things like the % rates a consumer will be eligible for and/or is based on and/or calculated at any given point of time and/or even afterwards they dont have to correct it.
Then when new data occurs and/or when the previous data predictions were incorrect and/or one of the hundreds of models used predictions was wrong and/or no ones held accountable nor is it fixed and/or adjusted.
They also dont have to show consumers nor can consumers dispute what them secrete clubs summaries are in references to the ones generated until afterwards ( you apply for credit and then you get a reason of any action and/or rates based on the credit score in that model ) and there is no process or oversight for such a dispute.
Furthermore, conveniently they dont have to provide such to consumers because they are circumventing the laws in place to protect the consumers and/or are manipulators by proxies. Or can consumers know and/or or request what those methods are because there is hundreds " of them.
This is a clear violation of consumers rights and protections laws under many areas and we are notifying you so you can fix this and/or send to those who can.
In the past we asked reporting agencies in writing witnesses by this consumer protection agency about this and/or their processes and they alluded time and time again and/or play a game of words that cleverly talks their way around it in writing. Lack of action made it so I have to pay a higher interest rate then what my actual rate should have been all because of the Unfair Credit Score Shell Game Scam.
We remind everyone of them that doesn't elevate their having to complying with the laws. Or is it an acceptable excuse in having not too. That these reporting agencies have discriminated against me and its costing me money as well as making it difficult to do anything in an ecconmy that needs stimulus packages. It also forces people to have higher payments and rates that all of whom qualify for such and again the reason being the Unfair Credit Score Shell Scam.
From the beginning they played coy ; We had no choice except to file complaints that in the prior administration fell on death ears we hope and pray this will not be the case with the current administration we dont need free credit reports every moth we need an overhaul of the processes we are reporting on.
( Those report case numbers can be provided at request you will note everything we are reporting now ). You already had them and the record of actions are very clear to anyone who wants to do the proper credit analyses.
When inquiries were generated, they would tell us about financial agencies FICO score models or any non-pertinent information about themselves are part of the process or summarizing consumers reports.
They were also well versed on them we continued and/or are repeating that request and/or results of such investigations into those previous requests made in writing or investigations of all of which they alluded to. They also play the blame game or the loop hole well we are just reporting what the 100s of models that are used to give a credit score so therefore we are not responsible for them and/or either are they and good luck trying to dispute it and/or request accuracies.
So even though you may get that from them or some entity or one of the 100 's of models used and report it to anybody its not their ( The 3 credit reporting agencies ) responsibility if its wronged its theirs ( the 100s of models being used ) and/or because there are 100s of ways scores can be determined and/or models used all which can vary. When in fact they are charging for such reports?
For example, for vehicle purchases a different model is used then for a Mortgage the so-called credit Karma and others Credit Score Shell Scam can be different so there is no way for any consumer to get a report thats applicable to any given instance and/or accurate. You can pay for one but it may not serve the purpose of why you paid to know it because it may not be used by the lender. Lenders dont have to tell you what one they will use and you have to let them do a hard inquiry which drops your Credit Score Shell Scam.
Or is it that consumers aren't allowed to know by whomever what methods were used or is there any regulatory guidelines standards and/or any way to dispute them. Because the way to circumvent and/or manipulate such protections is to scapegoat the topic by saying we just report information provided by creditors and/or or FICO Credit Scores and/or one of the hundreds of models used ''.
And consumers can just dispute anything except FICO or credit scores which is the most important part of your credit report.
And just those who produce credit scores and/or credit reports know those processes and/or the 3 credit reporting agencies just have to give consumers information on those things that they are willing to and/or they dont have to verify the validity of it? As well as address disputes related to them and/or methods used during such processes based on their reporting? Does not seem like a Fair Credit Act to me.
Some if you do their jobs and/or give them information thats not included will boost your scores while others will charge you to do so. Experian is a perfect example of that Credit Score Shell Scam.
The scores for sale trend and good luck with that one because even if you use it the creditor can use any model they want and/or make a new one. All of it is allowed and there is no oversite and the Fair Credit Act is circumvented once again.
When you address it, they respond by shifting the blame to FICO and/or the credit scores and/or 100s of models used.
Which again we ask all involved in this report we are generating. What are the processes to dispute that aspect of consumers reports ( credit scores and with whom? And/or how ) which determines what consumers interest rates will be at any given point of time and/or consumer 's credibility rating is?
Its the most important part of your credit reports and its not covered in the Fair Credit Act and is a way to circumvent it.
We also became aware of another violation if you try to get pre approvals and make any statement on such requests that is supposed to be a soft inquiry that information is used to lower your Unfair Credit Score Shell Scam.
I was discriminated during such a process and as well as became aware of an error that was put on my account as well as to how they discriminate against anyone who retires. If you retire you Credit Score Shell Scam drops. It doesnt matter what your actual status is.
That is discriminatory most people who retire their homes and cars are paid off they have a pension and/or social security which is a violation The Fair Credit Act. However, it is allowed to occur because of the Unfair Credit Score Shell Scam.
And which we remind the reporting agencies of your purpose for generating reports are based on which your companies are profiting from. And the law is they must be accurate which they are not because of the Unfair Credit Score Shell Game Scam.
What are the consumer protections requirements etc.? What are the consumers rights protection laws dispute processes or governing processes for those matter 's? Why is there no required information that must be given to consumers during such processes about it? Or is it that those requirements have been willfully circumvented?
Be forewarned the 3 reporting agencies are directly involved in these proceedings and should be held accountable no matter how it chooses to try to scapegoat its responsibilities under the law.
And as you are witnessing it will be addressed and/or reported too and/or by the proper authorities and us as well as legislative branches when applicable and as per our request during filing this report.
We also now request that an analysis of the markets be done by an independent consumers rights agency since the introduction of FICO and/or Credit Scores to determine what extent its effects are and/or what the impact is.
We will not tolerate such activities from anyone who is engaging in such practices as the mentioned appearances are apparent.
And we will work together with anyone who wants to comply and conform and/or address any pending matters and/or shortfalls of consumer protections and rights as well as the reporting agencies and everyone else 's rights in an applicable manner.
Together we should all be concerned about the heartbeat of the financial economics mentioned above together we stand divided we fall. If the stability of economics crashes all will suffer including those worldwide.
Lets get to the meat and potatoes of things and review this topic.
From our research and/or looking into the ongoing matters and/or correspondences and/or informations obtained from others and/or our correspondences it appears that FICO and/or Credit Scores is a way to circumvent credit protection laws in place and/or are a model thats used to manipulate the outcomes of percentage rates given to consumers.
And it's being communicated and/or represented appearances are itself is without any rules or regulations or oversight and/or is there any dispute processes available in relation to the same. And its in non-compliances and/or appearances are its circumventing SUBCHAPTER IIICREDIT REPORTING AGENCIES 1681.
Congressional findings and statement of purpose as it pertains to Accuracy and fairness of credit reporting and also Reasonable procedures ( b ) ( a ) 1-4 specifically in references to consideration or lack of consideration of certain factors by credit scoring systems resulting in negative or differential treatment of protected classes under the Equal Credit Opportunity Act, as well as many others. ( Note we are not going to list through all the codes and/or infractions at this time and they are very clear and obligatory. ) That it is adversely effecting economics and the wellbeing of all entities as well as consumers and/or is part of the economic system collapses, past and future, affecting financing, businesses, households as well as the average persons etc. It appears it is controlled by the creditors & credit reporting agencies and/or others generating FICO Credit Scores models and/or entities without any compliance to consumer protections laws, and dispute processes.
For example, being able to obtain what the 3 reporting agencies are reporting at no cost within limitations in references to an consumers FICO score without being charged by in this example TransUnion and/or or the summaries they are providing to creditors and/or amongst themselves and/or FICO generating entities compliances to regulations requirements in references free reports and/or by the 3 reporting agencies ( which includes the scores and/or 100s of models scores ). In references to it pertaining to the availability being provided to consumers in references to FICO scores and/or summaries prior to and/or by the 3 reporting agencies as per known consumers protection regulations.
That making it so that requirements are being circumvented as well as a mystery with 100 's of variables in 1681c1 2 Access to free reports. And it is obvious that things 15 U.S.C. 1681 et seq addresses needs to occur. Furthermore, their claims are that they dont provide credit scores to consumers yet on page 3 of their prior response ( and it appears they are trying to again elude these requests in writing and/or are circumventing them ). It clearly States if you like to receive your " Credit Score please provide payment then it states " score if applicable. '' Thank you for your time and reviewing this report.
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| 06/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I recently took a look at my credit profile with XXXX, XXXX, & Transunion and discovered accounts that are not mines and were fraudulent. I have the following accounts that need to be removed from my profile immediately as it is severely affecting my quality of living.
1. XXXX XXXX XXXX XXXX {$4700.00} 2. XXXX XXXX XXXX {$2500.00} 3. XXXX {$2000.00} I have tried reaching out to the bureaus and they keep telling me that there isn't much they can do. It's not fair that someone can do this and the credit bureaus seem clueless as to how to help victims.
I do understand under the F.C.R.A that consumers have the right to have items removed when they are inaccurate or in my case a result of identity theft.
605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) -- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure ; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually use for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report ( i ) for employment purposes, during the 2-year period preceding the date on which the request is made ; or ( ii ) for any other purpose, during the 1-year period preceding the date on which the request is made.
( B ) An identification of a person under subparagraph ( A ) shall include ( i ) the name of the person or, if applicable, the trade name ( written in full ) under which such person conducts business ; and XXXX ii ) upon request of the consumer, the address and telephone number of the person.
( C ) Subparagraph ( A ) does not apply if ( i ) the end user is an agency or department of the United States Government that procures the report from the person for purposes of determining the eligibility of the consumer to whom the report relates to receive access or continued access to classified information ( as defined in section 604 ( b ) ( 4 ) ( E ) ( i ) ) ; and ( ii ) the head of the agency or department makes a written finding as prescribed under section 604 ( b ) ( 4 ) ( A ).
( 4 ) The dates, original payees, and amounts of any checks upon which is based any adverse characterization of the consumer, included in the file at the time of the disclosure.
( 5 ) A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.
( 6 ) If the consumer requests the credit file and not the credit score, a statement that the consumer may request and obtain a credit score.
( b ) Exempt information. The requirements of subsection ( a ) of this section respecting the disclosure of sources of information and the recipients of consumer reports do not apply to information received or consumer reports furnished prior to the effective date of this title except to the extent that the matter involved is contained in the files of the consumer reporting agency on that date.
( c ) Summary of Rights to Obtain and Dispute Information in Consumer Reports and to Obtain Credit Scores ( 1 ) Bureau Summary of Rights Required ( A ) In general. The Bureau shall prepare a model summary of the rights of consumers under this title.
( B ) Content of summary. The summary of rights prepared under subparagraph ( A ) shall include a description of ( i ) the right of a consumer to obtain a copy of a consumer report under subsection ( a ) from each consumer reporting agency ; ( ii ) the frequency and circumstances under which a consumer is entitled to receive a consumer report without charge under section 612 ; ( iii ) the right of a consumer to dispute information in the file of the consumer under section 611 ; ( iv ) the right of a consumer to obtain a credit score from a consumer reporting agency, and a description of how to obtain a credit score ; ( v ) the method by which a consumer can contact, and obtain a consumer report from, a consumer reporting agency without charge, as provided in the regulations of the Bureau prescribed under section 211 ( c ) of the Fair and Accurate Credit Transactions Act of 2003 ; and ( vi ) the method by which a consumer can contact, and obtain a consumer report from, a consumer reporting agency described in section 603 ( w ), as provided in the regulations of the Bureau prescribed under section 612 ( a ) ( 1 ) ( C ).
( C ) Availability of summary of rights. The Bureau shall ( i ) actively publicize the availability of the summary of rights prepared under this paragraph ; ( ii ) conspicuously post on its Internet website the availability of such summary of rights ; and ( iii ) promptly make such summary of rights available to consumers, on request.
( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section ( A ) the summary of rights prepared by the Bureau under paragraph ( 1 ) ; ( B ) in the case of a consumer reporting agency described in section 603 ( p ), a toll-free telephone number established by the agency, at which personnel are accessible to consumers during normal business hours ; ( C ) a list of all Federal agencies responsible for enforcing any provision of this title, and the address and any appropriate phone number of each such agency, in a form that will assist the consumer in selecting the appropriate agency ; ( D ) a statement that the consumer may have additional rights under State law, and that the consumer may wish to contact a State or local consumer protection agency or a State attorney general ( or the equivalent thereof ) to learn of those rights ; and ( E ) a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified.
( d ) Summary of Rights of Identity Theft Victims ( 1 ) In general. The Bureau, in consultation with the Federal banking agencies and the National Credit Union Administration, shall prepare a model summary of the rights of consumers under this title with respect to the procedures for remedying the effects of fraud or identity theft involving credit, an electronic fund transfer, or an account or transaction at or with a financial institution or other creditor.
( 2 ) Summary of rights and contact information. Beginning 60 days after the date on which the model summary of rights is prescribed in final form by the Bureau pursuant to paragraph ( 1 ), if any consumer contacts a consumer reporting agency and expresses a belief that the consumer is a victim of fraud or identity theft involving credit, an electronic fund transfer, or an account or transaction at or with a financial institution or other creditor, the consumer reporting agency shall, in addition to any other action that the agency may take, provide the consumer with a summary of rights that contains all of the information required by the Bureau under paragraph ( 1 ), and information on how to contact the Bureau to obtain more detailed information.
( e ) Information Available to Victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection.
( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity ( A ) as proof of positive identification of the victim, at the election of the business entity ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victim 's request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed ( I ) copy of a standardized affidavit of identity theft developed and made available by the Bureau ; or ( II ) an affidavit of fact that is acceptable to the business entity for that purpose.
( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number.
( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge.
( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a person 's visit to a website or online service.
( 6 ) Limitation on liability. Except as provided in section 621, sections 616 and 617 do not apply to any violation of this subsection.
( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection.
( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law.
( 9 ) Rule of Construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection.
( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law.
( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that ( A ) the business entity has made a reasonably diligent search of its available business records ; and ( B ) the records requested under this subsection do not exist or are not reasonably available.
( 11 ) Definition of victim. For purposes of this subsection, the term " victim '' means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime.
( 12 ) Effective date. This subsection shall become effective 180 days after the date of enactment of this subsection.
( 13 ) Effectiveness study. Not later than 18 months after the date of enactment of this subsection, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision.
( f ) Disclosure of Credit Scores ( 1 ) In general. Upon the request of a consumer for a credit score, a consumer reporting agency shall supply to the consumer a statement indicating that the information and credit scoring model may be different than the credit score that may be used by the lender, and a notice which shall include ( A ) the current credit score of the consumer or the most recent credit score of the consumer that was previously calculated by the credit reporting agency for a purpose related to the extension of credit ; ( B ) the range of possible credit scores under the model used ; ( C ) all of the key factors that adversely affected the credit score of the consumer in the model used, the total number of which shall not exceed 4, subject to paragraph ( 9 ) ; ( D ) the date on which the credit score was created ; and ( E ) the name of the person or entity that provided the credit score or credit file upon which the credit score was created.
( 2 ) Definitions. For purposes of this subsection, the following definitions shall apply : ( A ) The term " credit score '' ( i ) means a numerical value or a categorization derived from a statistical tool or modeling system used by a person who makes or arranges a loan to predict the likelihood of certain credit behaviors, including default ( and the numerical value or the categorization derived from such analysis may also be referred to as a " risk predictor '' or " risk score '' ) ; and ( ii ) does not include ( I ) any mortgage score or rating of an automated underwriting system that considers one or more factors in addition to credit information, including the loan to value ratio, the amount of down payment, or the financial assets of a consumer ; or ( II ) any other elements of the underwriting process or underwriting decision.
( B ) The term " key factors '' means all relevant elements or reasons adversely affecting the credit score for the particular individual, listed in the order of their importance based on their effect on the credit score.
( 3 ) Timeframe and manner of disclosure. The information required by this subsection shall be provided in the same timeframe and manner as the information described in subsection ( a ).
( 4 ) Applicability to certain uses. This subsection shall not be construed so as to compel a consumer reporting agency to develop or disclose a score if the agency does not ( A ) distribute scores that are used in connection with residential real property loans ; or ( B ) develop scores that assist credit providers in understanding the general credit behavior of a consumer and predicting the future credit behavior of the consumer.
( 5 ) Applicability to credit scores developed by another person.
( A ) In general. This subsection shall not be construed to require a consumer reporting agency that distributes credit scores developed by another person or entity to provide a further explanation of them, or to process a dispute arising pursuant to section 611, except that the consumer reporting agency shall provide the consumer with the name and address and website for contacting the person or entity who developed the score or developed the methodology of the score.
( B ) Exception. This paragraph shall not apply to a consumer reporting agency that develops or modifies scores that are developed by another person or entity.
( 6 ) Maintenance of credit scores not required. This subsection shall not be construed to require a consumer reporting agency to maintain credit scores in its files.
( 7 ) Compliance in certain cases. In complying with this subsection, a consumer reporting agency shall ( A ) supply the consumer with a credit score that is derived from a credit scoring model that is widely distributed to users by that consumer reporting agency in connection with residential real property loans or with a credit score that assists the consumer in understanding the credit scoring assessment of the credit behavior of the consumer and predictions about the future credit behavior of the consumer ; and ( B ) a statement indicating that the information and credit scoring model may be different than that used by the lender.
( 8 ) Fair and reasonable fee. A consumer reporting agency may charge a fair and reasonable fee, as determined by the Bureau, for providing the information required under this subsection. See also 69 Fed. Reg. 64698 ( 11/08/04 ) ( 9 ) Use of enquiries as a key factor. If a key factor that adversely affects the credit score of a consumer consists of the number of enquiries made with respect to a consumer report, that factor shall be included in the disclosure pursuant to paragraph ( 1 ) ( C ) without regard to the numerical limitation in such paragraph.
( g ) Disclosure of Credit Scores by Certain Mortgage Lenders ( 1 ) In general. Any person who makes or arranges loans and who uses a consumer credit score, as defined in subsection ( f ), in connection with an application initiated or sought by a consumer for a closed end loan or the establishment of an open end loan for a consumer purpose that is secured by 1 to 4 units of residential real property ( hereafter in this subsection referred to as the " lender '' ) shall provide the following to the consumer as soon as reasonably practicable : ( A ) Information Required under Subsection ( f ) ( i ) In general. A copy of the information identified in subsection ( f ) that was obtained from a consumer reporting agency or was developed and used by the user of the information.
( ii ) Notice under subparagraph ( D ). In addition to the information provided to it by a third party that provided the credit score or scores, a lender is only required to provide the notice contained in subparagraph ( D ).
( B ) Disclosures in Case of Automated Underwriting System ( i ) In general. If a person that is subject to this subsection uses an automated underwriting system to underwrite a loan, that person may satisfy the obligation to provide a credit score by disclosing a credit score and associated key factors supplied by a consumer reporting agency.
( ii ) Numerical credit score. However, if a numerical credit score is generated by an automated underwriting system used by an enterprise, and that score is disclosed to the person, the score shall be disclosed to the consumer consistent with subparagraph ( c ).
( iii ) Enterprise defined. For purposes of this subparagraph, the term " enterprise '' has the same meaning as in paragraph ( 6 ) of section 1303 of the Federal Housing Enterprises Financial Safety and Soundness Act of 1992.
( C ) Disclosures of credit scores not obtained from a consumer reporting agency.
A person that is subject to the provisions of this subsection and that uses a credit score, other than a credit score provided by a consumer reporting agency, may satisfy the obligation to provide a credit score by disclosing a credit score and associated key factors supplied by a consumer reporting agency.
( D ) Notice to home loan applicants. A copy of the following notice, which shall include the name, address, and telephone number of each consumer reporting agency providing a credit score that was used : " Notice To The Home Loan Applicant " In connection with your application for a home loan, the lender must disclose to you the score that a consumer reporting agency distributed to users and the lender used in connection with your home loan, and the key factors affecting your credit scores.
" The credit score is a computer generated summary calculated at the time of the request and based on information that a consumer reporting agency or lender has on file.
The scores are based on data about your credit history and payment patterns. Credit scores are important because they are used to assist the lender in determining whether you will obtain a loan. They may also be used to determine what interest rate you may be offered on the mortgage. Credit scores can change over time, depending on your conduct, how your credit history and payment patterns change, and how credit scoring technologies change.
" Because the score is based on information in your credit history, it is very important that you review the credit-related information that is being furnished to make sure it is accurate. Credit records may vary from one company to another.
" If you have questions about your credit score or the credit information that is furnished to you, contact the consumer reporting agency at the address and telephone number provided with this notice, or contact the lender, if the lender developed or generated the credit score. The consumer reporting agency plays no part in the decision to take any action on the loan application and is unable to provide you with specific reasons for the decision on a loan application.
" If you have questions concerning the terms of the loan, contact the lender. '' ( E ) Actions not required under this subsection. This subsection shall not require any person to ( i ) explain the information provided pursuant to subsection ( f ) ; ( ii ) disclose any information other than a credit score or key factors, as defined in subsection ( f ) ; ( iii ) disclose any credit score or related information obtained by the user after a loan has closed ; ( iv ) provide more than 1 disclosure per loan transaction ; or ( v ) provide the disclosure required by this subsection when another person has made the disclosure to the consumer for that loan transaction.
( F ) No Obligation for Content ( i ) In general. The obligation of any person pursuant to this subsection shall be limited solely to providing a copy of the information that was received from the c
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 6801-6805, The Privacy Act of 1974 as well as inaccurate reporting per the IRS Publication 4681. XXXX XXXX : # XXXX. XXXX XXXX : # XXXX. XXXX XXXX XXXX XXXX : # XXXX. XXXX XXXX : # XXXX. XXXX XXXX : # XXXX. XXXX XXXX XXXX : # XXXX. According to the IRS Publication 4681- A Charge off is a certificate of Indebtment that is now considered income, which needs to be reported on my Income Tax. Income can not be reported to your credit report. Congressional findings and statement of purpose if you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. There is 100 % improper use of the credit report. XXXX HAS 1000 % VIOLATED THE FCRA, AND I'M HIGHLY UPSET ABOUT THIS. I FOUND MANY INACCURACIES ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license. This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the XXXX, TRANSUNION, and XXXX credit report isn't accurate AND ITS COMPLETE FRAUD. I've spoken to a lawyer, and they told me that I COULD EASILY take THIS to court AND FINE XXXX to all XXXX credit reporting agencies. I DEMAND TRANSUNION, XXXX, and XXXX, CORRECT ALL OF THESE ACCOUNTS ON THE CREDIT REPORT WITHIN XXXX HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ACCOUNTS TO SHOW AS PAID AS AGREED WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT. IF THESE INACCURACIES DO NOT COME OFF THE CREDIT REPORT WITHIN XXXX HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE CORRECTION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE UPDATED ON THE CREDIT REPORT ASAP. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result I also AM seeking monetary relief of {$1000.00} per violation for : ( 1 ) Deformation of character ( 2 ) Negligent infliction of emotional distress ( 3 ) Violations of 15 U.S.C. 1681 & 15 U.S.C. 6801-6805 : 6801-Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the XXXX XXXX XXXX XXXX XXXX, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information. ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. ( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the XXXX XXXX XXXX XXXX XXXX [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law. 6803- ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included the disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, or the Northern Mariana Islands. ( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be d eveloped by this subsection shall be issued in proposed form for public comment not later than 180 days after October 13, 2006. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). XXXX ( a ) Regulatory authority ( XXXX ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau XXXX XXXX XXXX XXXX and the Securities and Exchange Commission XXXXhall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ] ), except that the XXXX XXXX XXXX XXXX XXXX XXXX not have authority to prescribe regulations with respect to the standards under section 6801 of this title. ( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b2 of title 7. ( C ) Federal Trade Commission authority Notwithstanding the authority of the Bureau of Consumer Financial Protection under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ]. ( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter. ( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of Sta te insurance authorities designated by the XXXX XXXX XXXX XXXX XXXX, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies. ( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title 5. ( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter. 6805- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the XXXX XXXX XXXX XXXX XXXX ( other than members of the Federal Reserve XXXX ), insured XXXX branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the XXXX XXXX XXXX XXXX, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( XXXX ) Under the XXXX XXXX XXXX XXXX [ 12 U.S.C. 1751 et seq. ], by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX with respect to any federally insured credit union, and any subsidiaries of such an entity. ( XXXX ) Under the XXXX XXXX XXXX of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle XXXX of the XXXX XXXX XXXX XXXX of XXXX [ 12 U.S.C. 5561 et seq. ], by the XXXX XXXX XXXX XXXX XXXX, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the XXXX and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the XXXX XXXX XXXX XXXX XXXX, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. ( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ). ( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12. ( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I look forward to a prompt and thorough investigation, followed by the appropriate actions to rectify the violations and update my credit file accordingly. These examples demonstrate a systematic pattern of noncompliance with the FCRA and consumer law by the credit bureaus. Their actions have caused significant harm to my credit profile, making it essential for immediate action to rectify the violations and update my credit file accordingly. I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate measures to hold the credit bureaus accountable for their noncompliance with consumer protection laws. It is crucial to protect consumers ' rights and ensure fair and accurate credit reporting practices. Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights under the FCRA.
In addition if the concern is not resolved as requested, I will be filing a complaint with the Federal Trade Commission, the Securities Exchange Commission for XXXX XXXX ( I am aware that XXXX, XXXX, and Transunion are committing securities fraud by selling my information on the secondary market as per all XXXX XXXX XXXX indication. ), and I will file a FOIA request regarding XXXX that have been submitted under my name, but not provided to me.
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. [ FTC Note 1 ] ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
[ FTC Note 1 ] As written in the poorly drafted 2007 amendment that added section 604 ( a ) ( 3 ) ( G ). Subsection ( F ) ( ii ) should end with ; or instead of a period, and the text of subsection ( G ) should conform to the style of the rest of section 604 ( a ) ( 3 ). An alternative would have been to add a new section 604 ( a ) ( 7 ) allowing a permissible purpose for a consumer report To executive departments and agencies...
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under Section 454 of the Social Security Act ( 42 U.S.C. 654 ) for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act or the Federal Credit Union Act, or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for Furnishing and Using Consumer Reports for Employment Purposes.
( 1 ) Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) of this title [ 609 ( c ) ( 3 ) of Act ].
( 2 ) Disclosure to Consumer.
( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) of this title [ 615 ( a ) ( 3 ) of the Act ] ; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions.
( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this title, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) of this title. [ FTC Note 2 ] ( B ) Application by mail, telephone, computer, or other similar means.
( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 615 ( a ), within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumer 's request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumer 's rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) of this title. [ FTC Note 2 ] [ FTC Note 2 ] The references in Sections 604 ( b ) ( 3 ) ( A ) and 604 ( b ) ( 3 ) ( B ) should be to Section 1681g ( c ) ( 1 ), not ( c ) ( 3 ) that no longer exists as the result of Congress re-organization of Section 1681g ( c ) in 2003 ( FACT Act ).
( C ) Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations.
( A ) In general. In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation. Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department. For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Report to the Congress. Not later than January 31 of each year, the head of each agency and department of the United States Government that exercised authority under this paragraph during the preceding year shall submit a report to the Congress on the number of times the department or agency exercised such authority during the year.
( E ) Definitions. For purposes of this paragraph, the following definitions shall apply : ( i ) The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.
( 1 ) In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumer 's name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ). A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved.
( e ) Election of consumer to be excluded from lists.
( 1 ) In general. A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification. A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system. Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election. An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification System ( A ) In general. Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumer 's election to have the consumer 's name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after the date of enactment of the Consumer Credit Reporting Reform Act of 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumer 's election under clause ( I ).
( B ) Establishment and maintenance as compliance. Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agency 's own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide. Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 607 [ 1681e ] by a prospective user of the report through a general or specific certification.
( g ) Protection of Medical Information ( 1 ) Limitation on consumer reporting agencies. A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 605 ( a ) ( 6 ) ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 605 ( a ) ( 6 ).
( 2 ) Limitation on creditors. Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical contact information treated in the manner required under section 605 ( a ) ( 6 ) ) pertaining to a consumer in connection with any determination of the consumer 's eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by federal law, insurance activities and regulatory determinations. Section 603 ( d ) ( 3 ) shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act, or described in section 502 ( e ) of Public Law 106-102 ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). [ Note : As amended effective 7/21/11 by 1088 of the Dodd-Frank Act. ] ( 4 ) Limitation on redisclosure of medical information. Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and Effective Date for Paragraph ( 2 ) ( A ) 4 Regulations required. The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
4As written in section 1088 ( a ) ( 4 ) ( B ) of the CFPA 4 in 2010. The previous version of section 604 ( b ) ( 5 ), added in 2003 by the FACT Act, contained two subsections ( A ) and ( B ). The latter stated that the rules required to be prescribed by the Federal financial agencies ( not including the Commission ) were to be finalized by June 4, 2004.
[ Note : See also 12 CFR Parts 41/222/232/334/571/717 ] ( 6 ) Coordination with other laws. No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. The information listed is not accurate and continues to cause me harm.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( XXXX ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the XXXX XXXX XXXX XXXX XXXX ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. IXXXX m seeking Litigation. Please delete at once.
Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
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| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( XXXX ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within XXXX business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within XXXX business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section XXXX of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( XXXX ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XX/XX/XXXXXXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, Transunion and XXXX continues to report a collection account that is not valid. Under UCC 3-203 although a contract is transferred to a third party it does not give them a right to collect. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under XXXX Order No. XXXX or successor orders. ( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) In general A consumer reporting agency XXXX furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( XXXX ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( XXXX ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( XXXX ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing. ( XXXX ) Limits on information received under paragraph ( XXXX ) ( B ) A person XXXX receive pursuant to paragraph ( XXXX ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XXXX XXXX XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XXXX XXXX XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Exhibit A Update My Personal Information XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX To Whom It May Concern : This is my XXXX time writing you to update my personal information.
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TN XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to wany of these addresses please delete these outdated addresses and update the address with the XXXX above. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Please send an updated credit report once the changes are complete to my contact information listed.
My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX, XXXX XXXX XXXX XXXX XXXX purpose of consumer reports To Whom It May Concern : This notice is to inform you that you unlawfully reported an unauthorized account on my consumer report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to XXXX XXXXdentity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to XXXX years of imprisonment, in addition to civil liability.
I am writing this letter to dispute and file a Complaint the following accounts : XXXX Federal Credit XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing XXXX days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$XXXX} per violation for : XXXX. Defamation of Character ( per XXXX ) XXXX. Negligent Enablement of XXXX XXXX XXXX. XXXX XXXX Collections Practices Act 15 USC 1692g violations XXXX. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - XXXX. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX XXXX C IDENTITY THEFT To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.
15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
The Following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
( XXXX ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by XXXX XXXX 15 USC 1681b Permissible purpose of consumer reports.
XXXX XXXX Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
TransUnion, XXXX, XXXX have aided this XXXX by not verifying these accounts.
XXXX states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
List Account/s here : XXXX Federal XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX federal XXXX XXXX XXXX XX/XX/XXXX Balance XXXX Pursuant 15 U.S. Code 1681c 2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law. I demand all the above Fraudulent accounts DELETED immediately. I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( XXXX ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subsection, the consumer reporting agency shall ( A ) disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681j ( d ) of this title ; and Be Advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ), FTC, XXXX, Attorney Generals Office in your state and Mine.
Thank you, XXXX XXXX XXXX : copy of ID, Utility Bill showing proof of address, Copy of Social Security Card FTC identity theft Report Police report XXXX XXXX DEBT VALIDATION LETTER Validation of a Debt Request Pursuant to 15 USC 1692g.
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or TransUnion XXXX this XXXX XXXX constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per XXXX ).
If your offices are able to provide the proper documentation as requested in the following XXXX, I will require at least XXXX days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository/ agency that could be inaccurate or invalidated.
If your office fails to respond to this validation request within XXXX days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety.
XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount XXXX if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following :? Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt.
? Signed agreement Debtor has made with XXXX Collector, or other verifiable proof Debtor has a contractual obligation to pay XXXX collector.
? Any agreement that bears the signature of XXXX, wherein agreed to pay XXXX.
? All statements while this account was open.
? Have any insurance claims been made by any creditor regarding this account?
o XXXX XXXX XXXX? Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for XXXX made pursuant to the Fair Debt Collection Practices Act.
Please allow XXXX calendar days for processing after I receive this information.
Thank You.
XXXX XXXX PERMISSIBLE PURPOSE LETTER To whom it may concern, I, XXXX XXXX, never gave Transunion, XXXX, and XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute/ complaint.
You also do not have any permissible purpose to furnish my personal information to any third party.
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following account : XXXX Federal Credit XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX Sincerely, XXXX XXXX Exhibit XXXX Truth in Lending Act To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
I demand this account/s be deleted from my consumer report.
Best regards, XXXX XXXX Exhibit XXXX FCRA XXXX ( XXXX XXXX. XXXX ) To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX days after the date of receipt by such agency of ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block.
( c ) XXXX to decline or rescind.
( XXXX ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material Misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( XXXX ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( XXXX ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers.
( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the XXXX to obtain consumer information regarding identity theft.
( XXXX ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( XXXX ) Notice. In carrying out its obligation under paragraph ( XXXX ), the reseller shall promptly provide a notice to the consumer Of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( XXXX ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning XXXX business days after receipt of information described in paragraphs ( XXXX ) through ( XXXX ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) XXXX to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a XXXX, XXXX, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Best regards, XXXX XXXXXXXX XXXX XXXX THE UNITED STATES CONGRESSIONAL CODE TITLE 15, Par. 1681 To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX ( a ) Accuracy and fairness of credit reporting.
The XXXX makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures.
It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
Best regards, XXXX XXXX XXXX I 15 U.S. Code 1681 -Congressional findings and statement of purpose To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX Best regards, XXXX XXXX Exhibit XXXX 15 U.S. Code 1681b Permissible purposes of consumer reports To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX Best regards, XXXX XXXX Exhibit XXXX 15 U.S. Code 1681c -Requirements relating to information contained in consumer reports To Whom It May Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( XXXX ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX Exhibit XXXX XXXX XXXX Code XXXX XXXX Responsibilities of furnishers of information to consumer reporting agencies To Whom It XXXX Concern : I recently received a copy of my credit report and I noticed some account/s on my consumer report that should not be on there. I demand the below accounts deleted from my consumer report immediately.
( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX Best regards, XXXX XXXX Exhibit XXXX FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material.
To Whom It XXXX Concern : This concerns the following accounts : XXXX Federal Credit XXXX open XX/XX/XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX open XX/XX/XXXX Balance XXXX The credit report shows this items was deleted from my credit file. Now I notice this item has been reinserted on my credit report. Under the requirements of the FCRA, as provided below, I am here by requesting your complete compliance with all of the provisions : FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinsertion date. ( XXXX ) a statement that the disputed information has been reinserted ; ( XXXX ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( XXXX ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. I have received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your company may avoid such action by immediately deleting this listing from my credit report.
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, Transunion and XXXX continues to report a collection account that is not valid. Under UCC 3-203 although a contract is transferred to a third party it does not give them a right to collect. 3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER. Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument. ( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument. ( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made. ( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee. ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders. ( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XXXX XXXX XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XXXX XXXX XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report on the account listed as XXXX XXXX XXXX XXXX Acct # XXXX. There are several inconsistencies and the reporting agencies will not remove the account because of the financial gain from reporting the account. Each company is required to report accurate information.
Furthermore before an account can be reported the credit reporting agencies needs written consent from the consumer in which it relates. None of the reporting agencies have any documentation that bears my wet ink signature which gives them the consent to report this account.
Each month the reporting agencies are to send an opt out notice to the consumer giving them the right to opt out of certain information being reported. I have received no such request from the reporting agencies.
SAID company is liable under the SEC to follow certain rules.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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- Credit reporting, credit repair services, or other personal consumer reports
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX Each has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXXXXXX XXXX Account # : XXXX Both has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX ( opened XX/XX/XXXX ) XXXX Account # : XXXX ( opened XX/XX/XXXX ) Both has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account XXXX : XXXX ( opened XX/XX/XXXX ) XXXX Account # : XXXX ( opened XX/XX/XXXX ) Both has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account XXXX : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX Account # : XXXX, has violated my rights as follows XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Letters were sent out on multiple occasions, but these items still remain.
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| 08/25/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I did not give you written permission to report my personal information to any third party or anyone else. I control what gets reported by law. 15 usc 1681 B. The following have unlawfully reported my personal information without my written consent. 1 ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please see law 15 usc 1681b below This website uses cookies to ensure you get the best experience on our website. Learn more Got it! Skip to main content XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681b Quick search by citation : Title enter title Section section 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award. ( 6 ) To the Federal Deposit Insurance Corporation or the XXXX XXXX XXXX XXXX as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable. ( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title. ( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report. ( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. ( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding. ( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought. ( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank. ( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders. ( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised. ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing. ( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. ( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. ( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer. ( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the XXXX period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system. ( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency. ( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ). ( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates. ( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies. ( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title. ( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit. ( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ). ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. ( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes. ( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 10/16/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. There are several nonmailable address on my consumer report and my name is misspelled. This is causing me the consumer harm. To relinquish any claims that I may have here is my corrected information.
My name is XXXX XXXX. I do not go by any other name. You do not have my consent to report any other name.
My US mailing and residential address is : XXXX XXXX XXXX XXXX, GA XXXX. Remove any other addresses they are not mine.
Each reporting agency is required to report accurate information and Transunion, XXXX, and XXXX are not reporting accurate information. Update my consumer report or provide me with documentation to prove the information you are report is actually correct. My consumer identification is attached do not provide me with the generated response.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the is
suance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after September 30, 1996, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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Tranunion, XXXX, and XXXX continue to report inaccurate information on my consumer report without my written consent. The account listed XXXX XXXX has a lot of inaccuracies and has not been properly verified. Furthermore any cancellation of debt is considered income per the IRS publication and income can not be reported to any consumer report.
Transunion, XXXX, and XXXX are financial institutions and are paid to report this information which makes their interest a financial one.
Transunion Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XXXX XXXX XXXX Date Last Active : XXXX XXXX XXXX Date of Last Payment : XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XXXX XXXX XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( XXXX ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( XXXX ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( XXXX ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( XXXX ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( XXXX ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of XXXX, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( XXXX ) to restrict the use of medical information for inappropriate purposes.
( XXXX ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX Account # XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXXXXXX XXXX Account # XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX- Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX Each has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. USDOE/XXXX Account # : XXXXXXXX USDOE/XXXX Account # : XXXX Both has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX ( opened XX/XX/XXXX ) XXXX Account # : XXXX ( opened XX/XX/XXXX ) Both has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account XXXX : XXXX ( opened XX/XX/XXXX ) XXXX Account # : XXXX ( opened XX/XX/XXXX ) Both has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account XXXX : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX Account XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX, has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX Account # : XXXX has violated my rights as follows 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions which I have NOT provided. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Letters were sent out on multiple occasions, but these items still remain.
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| 08/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hello so yet again XXXX is still continuing to allow fraudulent reporting on my credit report all three credit bureaus are still doing it for XXXX wants to add their own piece of XXXX to the little hole of things that they want to Dig themselves deeper than they already are, One they themselves are violating the fair credit reporting act and their debt collecting practices by allowing companies to continuously report fraudulent activity as well as fraudulent collections, one the collection company that XXXX took out on me As their secondary retaliation because the first one from XXXX XXXX XXXX removed it because they knew it was fraud then return turned around and opened the new one with XXXX XXXX XXXX, One they are listing it on my credit report higher than what the paperwork they sent me even states to their including fraudulent charges at XXXX did leading up to 5 to 6 months ahead of time, they state that I had XXXX service untilXX/XX/XXXX if not later than that, The fact is I switch to XXXX on XX/XX/XXXX between me and my wife we paid over $XXXX upfront XXXX of that alone was cash that paid off two devices upfront because with our credit they wouldnt let us switch unless the bill was lower, Then not even two weeks later XXXX was trying to bill me from service from XX/XX/XXXXto XX/XX/XXXXfor over $XXXX, fraudulent charges how was I being charged for service when I didnt have them yet, when I contacted their customer service they either hung up on me or refuse to do anything to the point where I was XXXX done with it, I reported them to the XXXX XXXX XXXX for what they did and in return they retaliated against me and placed a collection on me while they were still charging me for a service that was included on that collection which was by XXXX XXXX XXXX on behalf of XXXX,I reported them to the XXXX XXXX XXXX for what they did and in return they retaliated against me and placed a collection on me while they were still charging me for a service that was included on that collection which was by XXXX XXXX XXXX on behalf of XXXX, when I submitted a complaint about it they turned around and they deleted the account and sent it back to XXXX XXXX in return was still charging me for service while I wasnt even using them anymore, when they started this in XX/XX/XXXX I switch to straight talk and have been using it to this day so I want to tell me how they were trying to charge me for over $XXXX worth of service that lead all the way up to XX/XX/XXXXwhen I wasnt even using them since XX/XX/XXXX when I only had them for less than a month, XXXX XXXX XXXXXXXX XXXX has harassed me and committed fraud discrimination and threatened me multiple times, One as stated listing a higher balance on my credit report in the first place then what the balance even was that theyre trying to say it is thats considered a violation of the fair credit reporting act because the listing a higher balance than what theyre actually trying to tell me its for, Two theyre sending me emails harassing me and yet they say according to their records I told them they could communicate with me there I never told him nothing I dont give my email address out XXXX debt collecting companies ever, The fact that theyre trying to state that their record states that I told them they could communicate with me that way thats considered fraud harassment discrimination and bullying as well as falsifying information to try and make it look like I said they could contact me there I did not tell them that nor would I ever, I reported all three credit bureaus Before for allowing fraudulent reporting they continue to do so and ignore anything that I say and just keep saying everything is verified as accurate, funny how Ive had so many times that they verified XXXX is accurate that its turned around when I contact the company myself with the evidence I have and threaten to sue them back into the woman which they climbed out of and they turn around and they remove it so the credit bureaus are refusing to do anything through this XXXX day to fix any of the issue as well as continuously allowing things to be verified is accurate when they are not accurate at all, as we speak divertissement adjustment bureau is still being disputed on my XXXX and my Trans Union credit report XXXX had removed it And are now allowing them to put it back up there again which they are changing dates on it which is Called aging credit and its illegal, The first one XXXX XXXX has also allowed an XXXX being mostly to blame at this moment for it to try and change the date of them trying to say when the delinquency started so I screenshot of it in case they try to XXXX change it because they try to cover their tracks like they tried before but I make sure I document and save every piece of XXXX documentations, but they are saying that first day the delinquency was XX/XX/XXXX kind of funny I switched to them on XX/XX/XXXX XX/XX/XXXX to be exact so that makes no sense that right there is called fraud nice job XXXX, when I saw that I called XXXX I said I wanted to speak to a XXXX manager I was put on hold three separate occasions and told that none were available to talk to me which tells me they were telling me to go XXXX myself because theyre ignoring me when I threaten to sue them for allowing fraudulent reporting to continue, and as for all three credit bureaus on more violations XXXX XXXX XXXX XXXX on all three credit reports One they are lying about what day they took the car they are lying about what the actual balances they are lying about the fact that they took payments and charged me multiple times for the same month and kept raising the balance and I have proof of that and I plan on suing XXXX and for all three credit reports allowing that continued discrimination against me I will be showing all three bureaus because of that for the same item, Not to mention they allowing XXXX to continuously change dates that they receive payments onto saying they didnt receive payments on so they can try to affect my score more while they sit there and allow it to happen, not to mention they started deleting time frames on The count for XXXX XXXX XXXXl services by allowing them to change listed dates and information to no information or unknown so that they can continue to report fraudulently, note I have saved everything shows the original and then how they keep changing the payment days and XXXX out date status And much more, XXXX XXXX XXXX XXXX also tried to say months after they reported that I gave them money or that I refinanced or renew the contract so if I did any of that then how come I dont have the car if I refinanced it or renewed it, also funny how they took out an over $XXXX extended warranty on the vehicle after they rebuild it and they put it in my name that I never signed anything for which is called fraud not to mention the fact that they stole all my personal items from the vehicle and to this day they continue to go back-and-forth trying to lie to me and say call the repo man the repo man tells me XXXX has a cause they dont have a key to get in the car on the XXXX does, so another words all my personal property in the car XXXX committed a criminal offense and stole my property and never returned it, not to mention XXXX XXXX XXXX XXXX stated that they auctioned the vehicle off funny how the same time they said they auction the car off I had found it at a car dealership called XXXX XXXX of Connecticut, found it through the Vin number and will contact at the dealership pretending I was someone else to get information on the car they told me it had been given to them in a trade so they could sell it for the person that gave it to them so XXXX XXXX XXXX XXXX never auction the car off instead they gave it to a XXXX XXXX to sell it for them committed a crime by falsifying a auction of the vehicle as well as theft of my property that they continue to say they never had but funny how I know everything that was in there and I will make a list and Im going to sue them for every item that I dont receive back as well as the fact that I am going to sue all three credit reporting bureaus for allowing the fraudulent reporting to continue and them allowing them to raise the balances when I was making payments on time, kind of doesnt make sense how I paid almost $XXXX for two months when the payments were XXXX a month but yet I paid more than two months and yet ended up paying almost for three months tell me how that makes sense and that they kept raising the balance when receiving money I have proof of that too so XXXX XXXX XXXX XXXX, As well as the fact an XXXX XXXX XXXX XXXX took out a collection on me the credit bureaus are allowing them to still report a balance due when its a violation of the fair credit reporting act and fair debt collection practices when any company takes a collection on you by selling it to a collection company they are no longer allowed to report a balance do it is to be XXXX out they can say what the balance was when it was closed charged off but they cant continue to report a balance due on an account that was sold to a collection company and I have evidence that it was sold to a collection company so I will see you for that as well cause its called more fraudulent reporting and more violation of the fair credit reporting act against all three credit bureaus, as well as the fact in XXXX XXXX XXXX XXXX took out a collection on me the credit bureaus are allowing them to still report a balance due when its a violation of the fair credit reporting act in fair debt collection practices when any company takes a collection on you by selling it to a collection company they are no longer allowed to report a balance due it is to be XXXX out they can say what the balance was when it was closed or charged off but they cant continue to report a balance due on an account that was sold to a collection company and I have evidence that it was sold to a collection company so I will sue for that as well because its called more fraudulent reporting and more violation of the fair credit reporting act against all three credit bureaus, XXXX XXXX I had gotten a loan from them for a car before XXXX XXXX XXXX XXXX I got the car in question from XXXX in XXXX now what they did not tell me when I got the car was that it was rusted underneath because they allow their employees to drive it during the winter soaking up all the salt and never washing it off upon going to get a sticker for the vehicle I saw the rust and was told that I would have to spend a decent amount of money to get that fixed, XXXX XXXX I had gotten a loan from them for a car before XXXX XXXX XXXX XXXX I got the car in question from XXXX in XXXX now what they did not tell me when I got the car was that it was rusted underneath because they allow their employees to drive it during the winter soaking up all the salt and never washing it off upon going to get a sticker for the vehicle I saw the rust and was told that I would have to spend a decent amount of money to get that fixed I gave the car back to the same dealership I bought it at, they held the vehicle there for months upon months when they were supposed to call the bank and tell them that I gave the car back and they refuse to do anything note that I hadnt made any payments on the car yet because I hadnt had it long enough to owe any money on the vehicle, Dealership in question never told the bank and return XXXX XXXX was harassing me 24 seven phone calls 24 seven mail threatening to repo the car that I had already given back long before this happened, The car dealership committed fraud because they know they had the car and they were mad that I gave it back so they refused to tell XXXX XXXX in the first place that I had giving it back instead XXXX XXXX continue to harass me about that, XXXX XXXX and return tried to lie and say that I was paying it and then stop paying it I never made any payments to that vehicle besides the down payment that I made on my credit card, XXXX XXXX and all the credit bureaus are allowing XXXX XXXX to report that I made payments in XXXX andXX/XX/XXXX funny how in XX/XX/XXXX that was when I bought a car to replace the one that XXXX XXXX was financing that I had given back prior, but yet XXXX XXXX is being allowed to report that I made payments on a month that one I bought a different car why would I give them money when I bought a different car so that theyre committing fraud by trying to make it look like I was making payments and then stopped now I gave the XXXX back to the dealership before I made any payments on the XXXX car but the credit reporting bureaus continue allow that to be reported as well as the fact that XXXX XXXX keeps changing the dates XXXX out dates are putting it as unknown data just like XXXX XXXX XXXX XXXX so they can continue to report it by doing the illegal thing of credit resetting so they continue to report it when they XXXX out or make the data unknown so they can continue to report it past the limit, Not to mention all three credit reporting agencies are allowing XXXX XXXX to commit the same criminal acts against me because they sold it to a collection company who is harassing me with phone calls and I stated before credit reporting agencies are not allowed to report a balance to do anymore when the account in question was sold to a collection company the balance due Hass to be XXXX out and I can put it as delinquent and have it at what the balance was but not any form of a balance due it must be XXXX out or its a violation of the fair credit reporting act and fair debt collecting practices again on their part,?Not to mention all three credit reporting agencies are allowing XXXX XXXX to commit the same criminal acts against me because they sold it to a collection company who is harassing me with phone calls and as stated before credit reporting agencies are not allowed to report a balance due anymore when the account in question was sold to a collection company the balance due Hass to be XXXX out and I can put it as delinquent and have it at what the balance was but not any form of a balance due it must be XXXX out or its a violation of the fair credit reporting act and fear deck elected practices again on their part, care credit they committed federal crimes against me theft discrimination harassment and threatened that they were gonna shoot me if I didnt make payments to them, When I told them yeah go ahead and do it everyone of my family cops and everything instead they turned around and committed a bigger offense then just threatening to XXXX me instead they raise the APR rate on past purchases which violates the fair credit reporting act and the fair debt collecting practices because they are not allowed to raise APR rate on past purchases only on future purchases which is a huge violation, XXXX XXXX they also saw the account to a collection company because they started not calling me but calling an ex-girlfriends mother and sending and my ex girlfriends mother a 30 day notice with my name on it that they opened and saw all that information which is another violation of the fair debt collection practices in fair credit reporting act because by law they are not allowed to disclose any form of debt or supposed debt to anyone other than myself But yet they sent the 30 day notice to an ex girlfriends mother who opened it and called me about it and sent me a picture of it well thats a violation right there because the collection company they are using violated the fair credit reporting act and fair debt collecting practices by disclosing that to other people and sending paperwork to other people especially an address that Ive never lived that in my life, But that also comes down to another violation of the fair credit reporting act in for a debt collection practices youre sold the account to a collection company Which means care credit and all three credit bureaus are violating the fair credit reporting act out for a debt collection practices because if you sell an account to a credit collection company you no longer are allowed to report a balance do you can report a charge off but it Has to be XXXX out and you can report what the balance was when It was charged off but you cannot report a due balance anymore it violates the fair credit reporting act in fair debt collection practicesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Did the same thing as XXXX raise the APR on past balances Not future one when its against the Fair credit reporting act and fair debt collecting practices raise APR on past purchases and not future ones again thats all three credit bureaus are allowing it to be done, not to mention on the XXXX XXXX XXXX by XXXX XXXX for the XXXX store card I had called and reported fraudulent charges the only reason they never received any money in the first place was because they refused to fix it especially when charges were made in states that I have never been in, again XXXX XXXX XXXX XXXX XXXX by XXXX store they sold it to a collection company and yet again all three credit bureaus are allowing violations of the fair credit reporting act and fair debt collecting practice to continue To be violated because once you sell the account to a collection company you were no longer allowed to report a balance due it must be XXXX out as stated you can report what the balance was when I was charged off however about you can no longer be reported by doing that and have Cell doing it to a collection company you were violating the fair credit reporting act and fair debt collection practices yet again while all three credit reporting agencies continue to allow these violations to continuously be reported and listed against me and refused to do anything as usual, to be violated because once you sell the account to a collection company you are no longer allowed to report a balance due it must be XXXX out as stated you can report what the balance was when was charged off however about you can no longer be reported by doing that and have selling it to a collection company you were violating the fair credit reporting act and fair debt collection practices yet again while all three credit reporting agencies continue to allow these violations to continuously be reported and listed against me and refused to do anything as usual, When I had XXXX XXXX listing on my account. when I had XXXX XXXX listing on my Credit report with all three credit bureaus they refuse to do anything kept saying the account was verified as accurate XXXX kept saying it was accurate they werent taking it down blah blah blah, funny how it again when I took matters into my own hands and showed that XXXX inXX/XX/XXXX Filed a cancellation of debt to the IRS but yet continue to report I had a balance due which is another violation of the fair credit reporting act and fair debt collection practices while all three credit bureaus kept sitting there and saying it was accurate but funny how as usual when I take matters into my own hands I seem to solve them myself when the bureaus refuse to do anything remotely close to a thorough actual investigation,?Filed a cancellation of debt to the IRS but yet continue to report I had a balance due which is another violation of the fair credit reporting act and fair debt collection practices while all three credit bureaus kept sitting there and saying it was accurate but funny how as usual when I take matters into my own hands I seem to solve them myself when the bureaus refuse to do anything remotely close to a thorough actual investigation, When XXXX XXXX out the accountant said payment was made I received a notification that said that the account was listed as current and then the credit bureaus turned around out of the balance to it again and put it as delinquent again another violation of the fair credit reporting act out for a deck collecting practices when they wrote off the debts and the credit reporting agencies continue to allow fraudulent reporting I have the IRS form that shows they wrote off the debt also shows that it was a different balance then with the credit reporting agencies are allowing to be reported which shows that XXXX was committing fraud by falsifying what the actual XXXX in balance was they were trying to say I owed, when XXXX XXXX out the account and said payment was made I received a notification that said that the account was listed as current and then the credit bureaus turned around and added a balance to it again and put it as delinquent again another violation of the fair credit reporting act out for a deck collecting practices when they wrote off the debts and the credit reporting agencies continue to allow fraudulent reporting I have the IRS form that shows they wrote off the debt also shows that it was a different balance than what the credit reporting agencies are allowing to be reported which shows that XXXX was committing fraud by falsifying what the actual XXXX balance was they were trying to say I owed, and the fact that the bureaus or at least Trans Union credit reporting agency I receive notifications when that count have been XXXX out and was placed as current and then funny how the current status they try to delete it and put it as derogatory or delinquent again so theres another huge violation on behalf of Trans Union for XXXX and XXXX on that one they have yet to do a XXXX thing as usual, Trans Unions website no longer will allow me to dispute anything online they are denying me the ability to dispute online and upload supporting documentations it does not work I have tried multiple times I have a screenshot of their site telling me with my personal information I entered you no longer can Dispute online please call us or send mail so now theyre blocking me from submitting a dispute online Im not having that XXXX thats discrimination and harassment from TransUnion thats another reason I can sue Trans Union not just for allowing fraudulent reporting that violates the fair credit reporting act of fair debt collection practices but harassing me discriminating against me so that I cant dispute anything online anymore or upload supporting documents they are not allowed to deny someone to dispute something online at all, XXXX as stated I asked to speak to a manager because they were putting an account that was deleted back on saying it was verified is accurate changing the dates and changing the date that theyre trying to say the first delinquency was when I had just switched to the service then kind of funny how I could be delinquent on an account the very month that I switch to their service went threatening to sue XXXX for allowing that I asked to speak to a manager or I was going to contact the attorney general which they put me on hold and kept telling me two or three times that they were going to get me a manager to talk to kind of funny how no one wanted to XXXX talk to me that was in the manager position because they knew that Im XXXX done, XXXX refuses to allow me to upload supporting documentation as well as lists my dispute has failed and that they do not have to allow me to dispute it again or upload any form of Evidence to support my dispute, I think that all three credit reporting agencies are going to get sued now because the violations after violations they commit themselves against me while allowing others to do the same its funny how every time I dispute something with them it comes back as verified is accurate but when I take matters into my own hands as I continuously state magically it turns around and comes off my report or itll come off my report and the reporting agencies will just put it back up there but its funny how I have thousands of pages of paperwork and screenshots and documentation and emails to back up every XXXX thing I have stated the next step is Im just going to sue all three credit reporting agencies and every XXXX company that is fraudulently reporting while the reporting agencies do no thorough actual investigation and sit there and twinkle toes themselves all the way up to the XXXX machine, I will be contacting attorneys now because Im XXXX done and this is XXXX and you guys that the consumer financial protection bureau dont seem to give a flying XXXX about actually doing anything yourselves to help me.
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| 12/04/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Transunion continues to report inquiries that I do not recognize.
XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnionXXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnionXXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Transunion continues to report inquiries that I do not recognize.
XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnionXXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnionXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of sec
tion 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph. ( 3 ) Response of agency after notification through
system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph
( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Transunion continues to report inquiries that I do not recognize.
XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX TransUnion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX TransUnionXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion 15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XX/XX/XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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- Credit reporting or other personal consumer reports
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- Incorrect information on your report
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Transunion and XXXX continue to report the account listed NEW XXXX XXXX inaccurately. Transunion and XXXX receive a profit for reporting the account which is why they will not remove the account even though it is reporting inaccurately.
Inaccuracies : XXXX. ) Last XXXX -- XXXX. ) Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XXXX. ) Date Opened : XX/XX/XXXX XX/XX/XXXX XXXX. ) Closed Date : XX/XX/XXXX -- XXXX. ) Account Rating : Closed Paid ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on XXXX XXXX XXXX ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 03/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account.
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America.
I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an i
ndividual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.
( 2 ) Applicable findings, decisions, commentary, and orders.
For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply.
( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer.
( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.
( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance.
( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) rev
iewing the account or insurance policy ; or ( 2 ) collecting the account.
( n ) State.
The term State means any State, the XXXXXXXX XXXX XXXXXXXX XXXX, the XXXX XXXX XXXX, and any territory or possession of the United States.
( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ).
( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.
( 2 ) Creditaccount information from persons who furnish that information regularly and in the ordinary course of business.
( q ) Definitions Relating to Fraud Alerts.
( 1 ) XXXX XXXX military consumer.The term XXXX XXXX military consumer means a consumer in military service who ( A ) is on XXXX XXXX ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a XXXX performing XXXX under a XXXX XXXX XXXX XXXX XXXXXXXX XXXX under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer.
( 2 ) Fraud alert ; XXXX XXXX alert.The terms fraud alert and XXXX XXXX alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an XXXX XXXX military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report.
( 3 ) Identity theft.
The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.
( 5 ) New credit plan.
The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i )? 1 of this title ) or a new credit transaction not under an open end credit plan.
( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card.
( XXXX ) Credit card.
The term credit card has the same meaning as in section 1602 of this title.
( 3 ) Debit card.
The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services.
( 4 ) Account and electronic fund transfer.
The terms account and electronic fund transfer have the same meanings as in section 1693a of this title.
( 5 ) Credit and creditor.
The terms credit and creditor have the same meanings as in section 1691a of this title.
( s ) Federal Banking Agency.
The term Federal banking agency has the same meaning as in section 1813 of title 12.
( t ) Financial Institution.
The term financial institution mean
s a State or XXXX bank, a State or Federal savings and loan association, a XXXX XXXX XXXX a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.
( u ) Reseller.The term reseller means
a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced.
( v ) Commission.
The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection.
( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims.
( y ) Exclusion of Certain Communications for Employee Investigations.
( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title.
( 2 ) Subsequent disclosure.
After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( XXXX ) ( D ) an investigative consumer report need not be disclosed.
( 3 ) Self-regulatory organization defined.
For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission.
( z ) Veteran.
The term veteran has the meaning given the term in section 101 of title 38.
( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
( c ) Attorneys fees : Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
( d ) Clarification of willful noncompliance : For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
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| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I am XXXX XXXX, I am submitting this complaint for myself. No third party is involved. I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer. ( 2 ) Applicable findings, decisions, commentary, and orders. For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply. ( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer. ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. ( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance. ( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account. ( XXXX ) State. The term State means any State, the XXXX of XXXX XXXX, the District of Columbia, and any territory or possession of the United States. ( XXXX ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ). ( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information. ( 2 ) Creditaccount information from persons who furnish that information regularly and in the ordinary course of business. ( q ) Definitions Relating to Fraud Alerts. ( 1 ) Active duty military consumer.The term active duty military consumer means a consumer in military service who ( A ) is on active duty ( as defined in section 101 ( d ) ( 1 ) of title 10 ) or is a reservist performing duty under a call or order to active duty under a provision of law referred to in section 101 ( a ) ( 13 ) of title 10 ; and ( B ) is assigned to service away from the usual duty station of the consumer. ( 2 ) Fraud alert ; active duty alert.The terms fraud alert and active duty alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an active duty military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report. ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. ( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ( 5 ) New credit plan. The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i )? 1 of this title ) or a new credit transaction not under an open end credit plan. ( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card. ( 2 ) Credit card. The term credit card has the same meaning as in section 1602 of this title. ( 3 ) Debit card. The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services. ( 4 ) Account and electronic fund transfer. The terms account and electronic fund transfer have the same meanings as in section 1693a of this title. ( 5 ) Credit and creditor. The terms credit and creditor have the same meanings as in section 1691a of this title. ( s ) Federal Banking Agency. The term Federal banking agency has the same meaning as in section 1813 of title 12. ( t ) Financial Institution. The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer. ( u ) Reseller.The term reseller means a consumer reporting agency that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v ) Commission. The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection. ( x ) XXXX XXXX XXXX XXXX XXXXThe term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims. ( y ) Exclusion of Certain Communications for Employee Investigations. ( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title. ( 2 ) Subsequent disclosure. After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed. ( 3 ) Self-regulatory organization defined. For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of 2002 [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission. ( z ) Veteran. The term veteran has the meaning given the term in section 101 of title 38. ( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorneys fees : Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( d ) Clarification of willful noncompliance : For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
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| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code My rights have been violated, I did not give permission to post anything to my account and I want it removed immediately.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a XXXXederal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( XXXX ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
( 2 ) Manner of notification A consumer shall notify a consumer reporting agency under paragraph ( 1 ) ( A ) through the notification system maintained by the agency under paragraph ( 5 ) ; or ( B ) by submitting to the agency a signed notice of election form issued by the agency for purposes of this subparagraph.
( 3 ) Response of agency after notification through system Upon receipt of notification of the election of a consumer under paragraph ( 1 ) through the notification system maintained by the agency under paragraph ( 5 ), a consumer reporting agency shall ( A ) inform the consumer that the election is effective only for the 5-year period following the election if the consumer does not submit to the agency a signed notice of election form issued by the agency for purposes of paragraph ( 2 ) ( B ) ; and ( B ) provide to the consumer a notice of election form, if requested by the consumer, not later than 5 business days after receipt of the notification of the election through the system established under paragraph ( 5 ), in the case of a request made at the time the consumer provides notification through the system.
( 4 ) Effectiveness of election An election of a consumer under paragraph ( 1 ) ( A ) shall be effective with respect to a consumer reporting agency beginning 5 business days after the date on which the consumer notifies the agency in accordance with paragraph ( 2 ) ; ( B ) shall be effective with respect to a consumer reporting agency ( i ) subject to subparagraph ( C ), during the 5-year period beginning 5 business days after the date on which the consumer notifies the agency of the election, in the case of an election for which a consumer notifies the agency only in accordance with paragraph ( 2 ) ( A ) ; or ( ii ) until the consumer notifies the agency under subparagraph ( C ), in the case of an election for which a consumer notifies the agency in accordance with paragraph ( 2 ) ( B ) ; ( C ) shall not be effective after the date on which the consumer notifies the agency, through the notification system established by the agency under paragraph ( 5 ), that the election is no longer effective ; and ( D ) shall be effective with respect to each affiliate of the agency.
( 5 ) Notification system ( A ) In general Each consumer reporting agency that, under subsection ( c ) ( 1 ) ( B ), furnishes a consumer report in connection with a credit or insurance transaction that is not initiated by a consumer, shall ( i ) establish and maintain a notification system, including a toll-free telephone number, which permits any consumer whose consumer report is maintained by the agency to notify the agency, with appropriate identification, of the consumers election to have the consumers name and address excluded from any such list of names and addresses provided by the agency for such a transaction ; and ( ii ) publish by not later than 365 days after XX/XX/XXXX, and not less than annually thereafter, in a publication of general circulation in the area served by the agency ( I ) a notification that information in consumer files maintained by the agency may be used in connection with such transactions ; and ( II ) the address and toll-free telephone number for consumers to use to notify the agency of the consumers election under clause ( i ).
( B ) Establishment and maintenance as compliance Establishment and maintenance of a notification system ( including a toll-free telephone number ) and publication by a consumer reporting agency on the agencys own behalf and on behalf of any of its affiliates in accordance with this paragraph is deemed to be compliance with this paragraph by each of those affiliates.
( 6 ) Notification system by agencies that operate nationwide Each consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( 5 ) jointly with other such consumer reporting agencies.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information ( other than medical contact information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) about a consumer, unless ( A ) if furnished in connection with an insurance transaction, the consumer affirmatively consents to the furnishing of the report ; ( B ) if furnished for employment purposes or in connection with a credit transaction ( i ) the information to be furnished is relevant to process or effect the employment or credit transaction ; and ( ii ) the consumer provides specific written consent for the furnishing of the report that describes in clear and conspicuous language the use for which the information will be furnished ; or ( C ) the information to be furnished pertains solely to transactions, accounts, or balances relating to debts arising from the receipt of medical services, products, or devises, where such information, other than account status or amounts, is restricted or reported using codes that do not identify, or do not provide information sufficient to infer, the specific provider or the nature of such services, products, or devices, as provided in section 1681c ( a ) ( 6 ) of this title.
( 2 ) Limitation on creditors Except as permitted pursuant to paragraph ( 3 ) ( C ) or regulations prescribed under paragraph ( 5 ) ( A ), a creditor shall not obtain or use medical information ( other than medical information treated in the manner required under section 1681c ( a ) ( 6 ) of this title ) pertaining to a consumer in connection with any determination of the consumers eligibility, or continued eligibility, for credit.
( 3 ) Actions authorized by Federal law, insurance activities and regulatory determinations Section 1681a ( d ) ( 3 ) of this title shall not be construed so as to treat information or any communication of information as a consumer report if the information or communication is disclosed ( A ) in connection with the business of insurance or annuities, including the activities described in section 18B of the model Privacy of Consumer Financial and Health Information Regulation issued by the National Association of Insurance Commissioners ( as in effect on January 1, 2003 ) ; ( B ) for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title ; or ( C ) as otherwise determined to be necessary and appropriate, by regulation or order, by the Bureau or the applicable State insurance authority ( with respect to any person engaged in providing insurance or annuities ).
( 4 ) Limitation on redisclosure of medical information Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
( 5 ) Regulations and effective date for paragraph ( 2 ) ( A ) [ 2 ] Regulations required The Bureau may, after notice and opportunity for comment, prescribe regulations that permit transactions under paragraph ( 2 ) that are determined to be necessary and appropriate to protect legitimate operational, transactional, risk, consumer, and other needs ( and which shall include permitting actions necessary for administrative verification purposes ), consistent with the intent of paragraph ( 2 ) to restrict the use of medical information for inappropriate purposes.
( 6 ) Coordination with other laws No provision of this subsection shall be construed as altering, affecting, or superseding the applicability of any other provision of Federal law relating to medical confidentiality.
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| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ).
YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Cre
dit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage XXXXeporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report 5. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX Account Number : XXXX Please remove it from my credit report.
6. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.
11 XXXX Account Number : XXXX Please remove it from my credit report.
8. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.
9. 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to 500XXXX if the official acts willfu XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. Under 15 USC 1692f a debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt this account is in violation.
10 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not.
Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of.
Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below.
According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681.
There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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| 08/22/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX PA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition XXXX XXXX XXXX XXXX XXXX XXXX is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 2. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry 3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry.
6. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Tell me in writing what information you refuse to remove and why.
Tell me in writing what you did to determine that the information was accurate.
Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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| 12/09/2020 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, Ga XXXX Office of the President CC : TRANSUNION EXECUTIVE OFFICE AFFIDAVIT OF TRUTH Dear To whom it may concern, FOR THE RECORD : PROBLEM : I am writing this due to non compliance with the FCRA & FDCPA by TRANSUNION.
FOR THE RECORD : Pursuant to Federal Law 15 U.S Code 1692g Validation of Debts TRANSUNION the private organization must cease reporting of any alleged debt owed until verification of the alleged debt or a copy of a judgment or the name and address of the original creditor. I am XXXX XXXX a natural person in flesh, the consumer, demanding the name and address of the original creditor of any alleged debt owed. This alleged debt is assumed to be valid, which it is not valid per my rights pursuant to Federal Law. The continuance of the private organization TRANSUNION reporting the alleged debt on my alleged consumer report is a violation of my rights pursuant to Federal Law.The private organization TRANSUNION have failed to remove information that was affiliated with personal details that were challenged and removed in the past from reports. This is willful non compliance and violation of the FCRA, FDCPA and outright refusal to uphold the law. FOR THE RECORD : Pursuant to Federal Law 15 USC 1602 the term creditor refers only to a person, banks can not extend credit pursuant to Truth and Lending Act only a person. A creditor must incur something which means take liability. These acts on behalf of your company are unfair credit practices and or reporting that undermines the public trust. Banks are debt collectors. FOR THE RECORD : Pursuant to Federal Law 15 USC 1602 the term bureau refers to only the Bureau of Consumer Financial Protection. It is a willful noncompliance and violation of my federal rights of privacy as a consumer to share personal information to 3 rd party organizations such as XXXX, Transunion, and XXXX without my written consent.I demanding that the items furnished to be removed under the CFPBs supervision. Once done- I am demanding a copy of my updated report reflecting the new changes. FOR THE RECORD : Pursuant to Federal 15 USC 1681i any and all inaccurate or unverifiable information must be promptly deleted from the consumer file. I have contacted your organization in reference to the inaccurate information and these organizations continue to violate my Federal Rights willfully. Pursuant to Federal Law 15 USC 1692 C, the private organization TRANSUNION must cease reporting, and infringement on my privacy in reference to the alleged debts owed that I am refusing to pay. This inaccurate reporting and collection is an inconvenience to me and my future as a consumer. Sharing my personal address with other organizations to furnish on a consumer report without my permission willfully is a violation. TRANSUNION has violated my rights pursuant to Federal Law by conspiring and communicating with a third party about an alleged debt owed. FOR THE RECORD : Pursuant to Federal Law USC 1681 A, a consumer report does not include any authorization or approval of an extension of credit or any communication among persons affiliated by corporate control. Any alleged debt owed that the private organization TRANSUNION is reporting on my alleged consumer report is a blatant violation of my rights pursuant to Federal Law. FOR THE RECORD : Pursuant to Federal Law 15 USC 1681 B My personal information is not to be furnished on any consumer report or with anyone without my written instruction. This is a willful violation of my Federal Rights as a consumer. I am demanding the private organization TRANSUNION to produce a contract between them and I. Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. The private organization TRANSUNION is in violation of Federal Law. FOR THE RECORD : Pursuant to Federal Law 15 USC 1681 ( n ) ( a ) I am invoking specified remedy as a consumer. I am demanding monetary relief of {$100000.00} for damages, defamation of character, violation of privacy, my rights as a consumer and the erroneous reports that hurt my credit worthiness as well as raised the cost of credit. I am demanding the alleged credit bureau TRANSUNION to produce a contract between them and I giving permissible purpose to furnish personal information. Pursuant to Federal Law USC 1681s-2 ( b ) provides a private remedy to injured consumers. Thus, a consumer can sue a company for furnishing inaccurate and/or incomplete information. In this case, the furnisher allegedly failed to take prompt and appropriate corrective action once it was notified that it had reported inaccurate information. I am also demanding any balance for any alleged debt owed reported on my alleged consumer report to be zeroed out and report as paid in full. I am demanding to suppress all negative information and opt out of your consumer reporting services.
15 U.S Code 1692g Validation of Debts Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
15 U.S. Code 1602 - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) Bureau.
The term Bureau means the Bureau of Consumer Financial Protection.
( c ) The term Board refers to the Board of Governors of the Federal Reserve System.
(
d ) The term organization means a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
( e ) T
he term person means a natural person or an organization.
( f ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter.
( h ) The term credit sale refers to any sale in which the seller is a creditor. The term includes any contract in the form of a bailment or lease if the bailee or lessee contracts to pay as compensation for use a sum substantially equivalent to or in excess of the aggregate value of the property and services involved and it is agreed that the bailee or lessee will become, or for no other or a nominal consideration has the option to become, the owner of the property upon full compliance with his obligations under the contract.
( i ) The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes.
( j ) The terms open end credit plan and open end consumer credit plan mean a plan under which the creditor reasonably contemplates repeated transactions, which prescribes the terms of such transactions, and which provides for a finance charge which may be computed from time to time on the outstanding unpaid balance. A credit plan or open end consumer credit plan which is an open end credit plan or open end consumer credit plan within the meaning of the preceding sentence is an open end credit plan or open end consumer credit plan even if credit information is verified from time to time.
( k ) The term adequate notice, as used in section 1643 of this title, means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.
( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
( m ) The term accepted credit card means any credit card which the cardholder has requested and received or has signed or has used, or authorized another to use, for the purpose of obtaining money, property, labor, or services on credit.
( n ) The term cardholder means any person to whom a credit card is issued or any person who has agreed with the card issuer to pay obligations arising from the issuance of a credit card to another person.
( o ) The term card issuer means any person who issues a credit card, or the agent of such person with respect to such card.
A national bank has no power to lend its credit to any person or corporation.
... Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S.Ct 1024, 176 US 682, 44 LED 637.
There is no doubt but what the law is that a national bank can not lend its credit or become an accommodation endorser. National Bank of Commerce v. Atkinson, 55 E 471.
Pursuant to Federal Law USC 1681s-2 ( b ) provides a private remedy to injured consumers. Thus, a consumer can sue a company for furnishing inaccurate and/or incomplete information. In this case, the furnisher allegedly failed to take prompt and appropriate corrective action once it was notified that it had reported inaccurate information.
Toby D. NELSON, Plaintiff-Appellant, v. CHASE MANHATTAN MORTGAGE CORP., Defendant-Appellee.
Philbin v. Trans Union Corp., 101 F.3d 957, 962 ( 3d Cir.1996 ) ( quoting 15 U.S.C. 1681 ( b ) and Guimond v. Trans Union Credit Information Co., 45 F.3d 1329, 1333 ( 9th Cir.1995 ) ) ( citations omitted ).
Title 15 U.S.C. 1681i ( a ) provides in relevant part : If the completeness or accuracy of any item of information contained in [ her ] file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Sections 1681n and 1681o of Title 15 respectively provide private rights of action for willful and negligent noncompliance with any duty imposed by the FCRA and allow recovery for actual damages and attorneys ' fees and costs, as well as punitive damages in the case of willful noncompliance. 1 15 USC 1681a Definitions ; rules of construction Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Financial institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. The private organization TRANSUNION is in violation of Federal Law.
15 USC 1692 Communication in connection with debt collection ( a ) Communication with the consumer generallyWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 oclock antemeridian and before 9 oclock postmeridian, local time at the consumers location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorneys name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer ; or ( 3 ) at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
( b ) Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
15 USC 1692b 804. Acquisition of location information Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; not state that such consumer owes any debt ; not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; not communicate by post card ; not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and after the debt collector knows the consumer is represented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector 15 USC 1692E False or Misleading Representations ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
15 U.S. Code 1692g - Validation of debts ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
15 U.S. Code 1692h.Multiple debts If any consumer owes multiple debts and makes any single payment to any debt collector with respect to such debts, such debt collector may not apply such payment to any debt which is disputed by the consumer and, where applicable, shall apply such payment in accordance with the consumers directions.
15 USC 1681 ( n ) ( a ) any person who willfully fails to comply with any requirement under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of damages sustained by me the consumer of {$1000.00} per violation.
I certify under penalty of perjury that the foregoing is true and correct.
Respectfully, XXXX XXXX
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| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TransUnion XXXX, XXXX XXXX, a consumer citizen of XXXX sent a letter on XXXX XXXX, via certified mail with request of validation of debts. The letter was received by XXXX XXXX on XX/XX/XXXX. As it pertains to my consumer report, upon information and belief the company is attempting to collect an alleged debt pursuant to 15 USC 1692a ( 5 ). With respect to Account # XXXX, there is no debt owed. This is not a refusal with regard to payment of an alleged debt, but a request that the above claim is disputed and validation is requested ( FDCPA 15 USC 1692g Sec 809b ) in the following order : Full validation such as, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies and overall compliance with all FCRA and FDCPA by laws as instructed by federal law. It is upsetting to know such companies do not follow rules and laws. More importantly, companies such as the pursuant above should be held accountable for their actions. According to the FCRA a corporation is required to respond and complete and investigate within 30 days. As of XXXX, I still have not received anything pertaining to a complete investigation. Based upon evidence available to me, there is no debt owed. These laws are to make sure that there is a level of fairness to protect American consumers from nefarious, abusive reporting procedures on credit consumer reports, as well as illegal and deceptive collection practices. Also, I am Federally Protected Consumer and I have strong reason to believe I have been discriminated against by XXXX XXXX XXXX XXXX Account # XXXX in XXXX, they NEVER SENT ME in all those years a Pre Adverse Notices, or NEVER SENT ME a Adverse Action Notices. I have strong reason to believe they have discriminated against me under the Equal Credit Opportunity Act ( ECOA ). XXXX XXXX XXXX XXXX never informed me of my rights. XXXX XXXX XXXX XXXX has the obligation to correct action. ECOA protections extend through the life of loan. This comes about after a consumer sued XXXX XXXX XXXX XXXX for closing his credit card account without providing an explanation ( as required under the ECOA ). The CFPB had filed a friend of the court brief in that case, stating that the ECOAs crucial protections against credit discrimination do not disappear the moment that credit is extended. Rather, ECOA shields existing borrowers from discrimination in all aspects of a credit arrangement. The CFPB released XXXX to reiterate creditors ' adverse action notice requirements under ECOA. I have made multiple attempts over 5 years in writing including certified mail starting in late XXXX to let XXXX XXXX XXXX XXXX know about the many violations and discrimination and under TILA & BILLING ERRORS 15 USC 1666 falsely furnishing negative damaging information " late payments and charge off " on these accounts. I have tried to explain multiple times over the years to XXXX XXXX XXXX XXXX what the FEDERAL LAWS says in FCRA 15 USC the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. And ALL credit transactions ORIGINATE FROM ME THE CONSUMER my signature, my social security number MY INSTRUMENT " I EXTEND CREDIT '' and it is my right to operate in commerce. Does XXXX XXXX XXXX XXXX know OR care what happens when penalties for not complying with the ECOA happen? Well it states Lenders that violate the provisions of the ECOA face civil liability for actual and punitive damages, the latter of which is limited to non-governmental entities and can amount to up to { {$10000.00} } for an individual claim or the lesser of { {$500000.00} } or 1 % of the lender 's net worth in a class action.
Not only is XXXX XXXX XXXX XXXX appear to be discriminating against me and denying me extending credit they have been damaging my credit worthiness for 5 years now, there tarnishing my name by furnishing negative information " late payments and chargeoffs '' on my consumer reports as a way of coercion to pay these alleged debts which is " false misleading representation 15 USC 1692E A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. It is UNJUST ENRICHMENT and Under 15 USC 1666B Grace period- If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. Which XXXX XXXX XXXX XXXXXXXX XXXX XXXX this 21 days in advance so why are they furnishing negative damaging information " late payments & charge offs '' on my consumer reports? I don't know maybe coercion, extortion, and wanting me to be quiet while I'm being violated and discriminated against these past 5 years but I'm not going to be silent anymore or be in fear of them.
Also there violating my privacy rights under the GRAMM-LEACH -BLILEY ACT by furnishing, spreading, around for profit my NONPUBLIC PERSONAL INFORMATION to non affiliated third parties. I never gave them my lawful or legal consent to share my information. And how can XXXX XXXX XXXX XXXX say '' I owe '' this alleged debt and by them assuming this role to falsely believe they have the Power & Authority to close my accounts when FEDERAL LAW clearly states 18 USC 8 The term obligation '' or other security of the United States includes all bonds, certificates of indebtedness, XXXX XXXX XXXX XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. THE DEBT HAS ALREADY BEEN PAID BY THE UNITED STATES that's what that Federal Law is clearly stating so XXXX XXXX XXXX XXXX can not use the excuse " because the consumers lack of untimely payments '' as reason to of closed my accounts. I'm just trying to make it crystal clear that I have strong reason that under ECOA there is some Violations and Discrimination occurring. And there is no Law that states a '' a drop in a consumer 's XXXX XXXX '' is a valid reason to deny or cancel a consumer 's extension of credit. So XXXX XXXX XXXX XXXX legally, or lawfully CAN NOT state that either. I'm asking the CFPB to draw on its authority to police unfair, deceptive and abusive practices to rein in lending discrimination against XXXX XXXX XXXX XXXX against me.
So again XXXX XXXX has yet to address a dispute for a billing error that was raised in XXXX. They were sent payable instruments for the balance at the time of both accounts. Multiple instruments for each account. To date, the payments have never been applied to my credit card accounts. They have yet to acknowledge that they have received it and refuse to send it back in the case that it was not accepted. A negotiable instrument is an acceptable form of payment as there is no money since the bankruptcy of this country. XXXX XXXX continues to state that I owe them money for so-called outstanding bills and repayment of the money they " gave '' or loaned me. However, banks are not allowed to make loans according to 12 USC 83. The disclosures for these transactions have security interest clauses within it. A security interest can not be given to a person if the obligor has not already fulfilled their obligation. I am requesting the original wet-ink signed contract that compels me to perform in regards to this contract. A contract requires 2 signatures in order for it to be deemed valid. I have asked repeatedly for this information and this company keeps sending me a bunch of statements. In the case that XXXX XXXX can not provide me with the signed contract that I am requesting, they need to stop asking for repayment.
I am requesting the return of my ANY AND ALL MONIES, down payments, as a cash down payment is a violation of TILA pursuant to 15 USC 1605 ( a ) and 15 USC 1662 ( 2 ) Please see attachment for affidavit and notice of rescission due in 20 days. Because pertinent information was withheld and neither clear nor conspicuous I blindly entered a consumer credit transaction with XXXX XXXX XXXX XXXX and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, which is false Pursuant to federal law. They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that XXXX XXXX XXXX XXXX claims I owe. XXXX XXXX XXXX XXXX has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.
To add..
XXXX XXXX XXXX XXXX Has committed several violations under the FDCPA, TILA, FCRA, and many more which they've violated my rights as a consumer. This is not an attempt to collect a debt. 15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : 15 U.S. Code 1692d - Harassment or abuse 15 U.S. Code 1692b. Acquisition of location information 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692f. Unfair practices 15 U.S. Code 1692b. Acquisition of location information ( 4 ) not communicate by post card ( 5 ) no language or symbols on any envelope.
XXXX XXXX XXXX XXXX XXXX was reporting a completely false debt which was causing a denial of the loan. I am a single mother of XXXX and I have been struggling for the past XXXX almost XXXX years to improve life for our family and give my children a stable home just. I knew the account was not mine so I wrote my first dispute to XXXX XXXX XXXX XXXX XXXX As early as 6 years ago up to as recent as 15 days ago stating that XXXX an identity theft victim and as a result I wanted to see legal verification that this debt was approved or accepted by me. My first request was completely ignored years ago, I wrote another request and I even attempted to send the FTC REPORT. AND FOR THE POLICE REPORT Turns out you can not get a report if the incident occurred more than 12 months ago. But the FTC Website says either or.. Upon my most recent attempt 10 days later I received a letter from them stating that they found the account to be accurate. How is this possible, they had not provided legal proof or proof of identity? I re-stated several laws violated and to date they had still not provided proof per FCRA & FDCPA requirements in the event of identity theft, again stating that they were reporting accurate information and that they do not need to supply the requested information only that they have my name and address correct. How is this possible that someone can just say they have your name and address correct and you owe them a debt without no contract or legal proof whatsoever. How do they even know they have the right person???
Its very XXXX to know that even thougXXXX XXXX XXXX XXXX XXXX We still have entities that solicit and have employees working for them that continually break the law.. this places the livelihood and well being of many at risk .. physically, mentally and emotionally.
My children are being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I cant XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS IMPOSED UP MY CONSUMER REPORT WITHOUT MY WRITTEN CONSENT OR PERMISSION.. we are being looked upon as lower class every day simply because XXXXXXXX XXXX XXXXXXXX AGAINST ME. ABSOLUTELY NOTHING ABOUT THEIR CONTACT WAS CLEAR MOR CONSPICUOUS.. I WAS NOT GIVEN THE OPTION TO OPT OUT AT ANY TIME I have a credit score of XXXX YET IM UNABLE TO OBTAIN OR USE MY CREDIT CARD ANYWHERE .. Im unable to GROW AT MY JOB AND GAIN A BETTER POSITION.. ONE I AM OVERQUALIFIED FOR MAY I ADD.. Simply because of XXXX XXXX horrendous practices to defame my character.
The following account does not belong to me and is a result of fraud that I did not authorize : XXXX XXXX- not my account, never done business with this company. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that this account must be removed within 4 Business Days of receipt.
XXXX XXXX XXXX Again TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX XXXX PA XXXX XX/XX/XXXX TRANSUNION 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q, 15 USC 1681n ( a ) ( 1 ) ( A ), XXXX USC 6821 ( a ) ( 1 10/17/2022 To Whom It May Concern : My name is XXXX XXXX and this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC. Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports At this time I will also inform vou that if your offices have or continue to report invalidated information this includes XXXX, TRANSUNION AND XXXX this action might constitute fraud under both federal and state laws. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n - Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, ( Which has long past.. most recent was 2 wks ago ) all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. Please be advised XXXX, TRANSUNION AND XXXX. You need to remove all fraudulent inquiries from my consumer report. I've given the dates and the times of every inquiry that is on my consumer report. You shall remove the inquiries that are fraudulent on my consumer reports your credit reporting agency, and you shall do due diligence in the investigation of such fraudulent activities. The violations here I require compensation, for this has caused me grave harm purchased with that identifying number is an obligation of the United States in accordance with XXXX XXXX XXXX and being that you XXXX, TRANSUNION AND XXXX is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX, TRANSUNION AND XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX, TRANSUNION AND XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. No reporting any information regarding said debts as related to the XXXX.
If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files.
TRANSUNION, I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. To Whom It May Concern : In accordance with the fair credit act Experian- has violated my rights.
The late payment reporting XXXX XXXX. Account # XXXX XXXX XXXX - Charge Off Closed ( Along with the other aground listed below ) is inaccurate. I never made late payments. During covid a lot of peoples info was mixed up XXXX needs to be deleted.also has violated my rights. During XXXX the data breach has my info exposed. I filed FTC XXXX report.
These inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B :
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Reporting company used your report improperly
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, 15 U.S.C. 6801-6805, The Privacy Act of 1974 as well as inaccurate reporting per the IRS Publication 4681.
XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX According to the IRS Publication 4681- A Charge off is a certificate of Indebtment that is now considered income, which needs to be reported on my Income Tax. Income can not be reported to your credit report. Congressional findings and statement of purpose if you are unable to provide me with a copy of the verifiable proof, you must also update and/or remove the information listed above. Additionally, failure to respond satisfactorily with a free copy of my report after the changes have been made will result in these actions being taken against your company in small claim state proceedings. I will also be seeking monetary relief of ( {$1000.00} ) per violation for : ( 1 ) Deformation of character ( 2 ) Negligent infliction of emotional distress ( 3 ) Violations of 15 U.S.C. 1681 & 15 U.S.C. 6801-6805 : 6801-Privacy obligation policy It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to ensure the security and confidentiality of customer records and information.
( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
6802- ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
6803- ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) Information to be included the disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) Exemption for certified public accountants ( 1 ) In general, the disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term
State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, or the Northern Mariana Islands.
( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be d
eveloped by this subsection shall be issued in proposed form for public comment not later than 180 days after October 13, 2006.
( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.
( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).
6804- ( a ) Regulatory authority ( 1 ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ] ), except that the Bureau of Consumer Financial Protection shall not have authority to prescribe regulations with respect to the standards under section 6801 of this title.
( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b2 of title 7.
( C ) Federal Trade Commission authority Notwithstanding the authority of the Bureau of Consumer Financial Protection under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 1029 ( a ) of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5519 ( a ) ].
( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter.
( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with [ 1 ] representatives of Sta
te insurance authorities designated by the National Association of Insurance Commissioners, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies.
( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of title 5.
( b ) Authority to grant exceptions The regulations prescribed under subsection ( a ) may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter.
6805- ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C . 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the F
ederal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.
( 3 ) Under the Securities Exchange Act of 1934 [
15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.
( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.
( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.
( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.
( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.
( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.
( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).
( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.
( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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XXXX XXXX has failed to provide me with an opt out notice. The reporting agencies are not affiliated with XXXX XXXX. Each reporting makes a financial gain from reporting this consumer account. Each company has to provide me the consumer with an opt out notice. Furthermore I can not be late on an open end consumer plan. XXXX Form of opt out notice to consumers ; opt out methods.
( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 248.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 248.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice after the initial notice in accordance with 248.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer.
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If John and Mary have a joint brokerage account with you and arrange for you to send statements to John 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to John 's address, but you must accept an opt out direction from either John or Mary ; ( ii ) Treat an opt out direction by either John or Mary as applying to the entire account. If you do so, and John opts out, you may not require Mary to opt out as well before implementing John 's opt out direction; or ( iii ) Permit John and Mary to make different opt out directions. If you do so : ( A ) You must permit John and Mary to opt out for each other.
( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ).
( C ) If John opts out and Mary does not, you may only disclose nonpublic personal information about Mary, but not about John and not about John and Mary jointly.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 248.9.
( i ) Model privacy form. Pursuant to 248.2 ( a ) and appendix A to subpart A of this part, Form SP meets the notice content requirements of this section.
( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.
( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt.
( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX XXXX XXXX Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX XXXX FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXXXXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXXXXXX XXXX XXXX XXXX XXXX Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON XXXX XXXXXXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXXXXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXXXXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXXXXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXXXXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXXXXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXXXXXX XXXX XXXXXXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
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| 08/28/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or XXXX XXXX Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or XXXX Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. Validate Account XXXX XXXX XXXX XXXX / XXXX XXXX XXXX Account Number : XXXX Please provide a detailed documentation if not please remove it in my credit report.
2. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. FALSE REPORTING. This account is reported inaccurately. You are in VIOLATION of FCRA and XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account in my credit report.
4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
5. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 6. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, MD XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, MD XXXX NOTATION : Per XXXX enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Tell me in writing what information you refuse to remove and why.
Tell me in writing what you did to determine that the information was accurate.
Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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| 05/09/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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my name XXXX XXXX XXXX asOF XX/XX/XXXX XXXXTRANSUNION CONTINUE TO VIOLATE STATE AND FEDERAL LAWS They have never shown me how theyve done any investigation, ledgers accounts, original consumer contracts from any of the negative accounts they continue to report and violate the fair credit reporting at the fair debt collection act as well as multiple state laws. I have contacted the the CALIFORNIA, consumer protection, innovation department spoke with supervisor at transunion Special handling at fraud department XXXX XXXX at TRANSUNION And FRAUD SPECIALIST AT XXXX I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. ( t ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act. ( t ( ( XXXX XXXX XXXX ) ) XXXX {$97000.00} XX/XX/XXXX ) ( ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ) ) - To : Whom it may concern at XXXXTRANSUNION You are in violation of the Fair Credit Reporting Act ( XXXX FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " TransUnion '' XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. ( ( t ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXXXXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX ) VIOLATIONS ) ) - 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act. I AM aware that -my SSN belongs to the ( SSA ) Social Security Administration -and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the ( ( False Claims Act ( FCA ) 31 U.S.C 3729-3733 ) ) ( Debt Collector name is also in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies ( ( TRANSUNIONXXXX ) ) /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice toCEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by /XXXX/TRANSUNION/ XXXX ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX ( ( VIOLATIONS ) ) - 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. t ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( ( Failure to remove account in 15 days from my consumer report ) as requested will result in legal matters being taken and me turning you ( XXXX/TRANSUNION/ ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXXTRANSUNION/ XXXX/TRANSUNION/XXXX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX/TRANSUNION furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXXThis is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNION/ 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXXTRANSUNION/ XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX XXXX AMOUNT {$46000.00} ) ( ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX ( I HAVE PRESENTED COMPELLING EVIDENCE AND HAVE SENT VALIDATION LETTERD TO THE LAW NONE HAVE BEEN ANSWERED WITH LEGAL DOCUMENTS I ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave ( TransUnion ) XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX. XXXX. XXXX ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agencyreceives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, XXXX XXXX. XXXX, XXXX P. XXXX XXXX ( XXXX ), GE Capital Hawaii , Inc. v. Yonenaka XXXX XXXX XXXX, XXXX Hawaii XXXX, ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ), and Town of Brookfield v. Candlewood Shores Estates , Inc. XXXX XXXX XXXX, XXXX Conn.l ( XXXX ). and XXXX v. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. XXXX TRANUNION is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e )
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| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my TransUnion and XXXX consumer credit bureau. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my TransUnion and XXXX consumer credit bureau. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my TransUnion and XXXX consumer credit bureau. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting inaccurate information across my TransUnion and XXXX consumer credit bureau. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. I would like this account updated as PAYED-ON-TIME : XX/XX/XXXX and LATEPAYMENT : XX/XX/XXXX removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my TransUnion and XXXX consumer credit bureau XXXX I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion and XXXX consumer credit bureau XXXX I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion and XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion and XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion and XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion and XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion and XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DP OF EDUC has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DP OF EDUC has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DP OF EDUC has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion and XXXX consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT ED has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT ED has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT ED has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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| 08/20/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced XXXX pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA CDIA Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that XXXX is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXXXXXX also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX XXXXXXXX may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : 1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX WEBBANK/AVAN Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
NOTATION : Per CRSA enacted, CDIA implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Tell me in writing what information you refuse to remove and why.
Tell me in writing what you did to determine that the information was accurate.
Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within XXXX calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 statements as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced 386 pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tallied total and invoices from which they were derived, the documented legal and current color photographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applicable, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance , and or CRSA XXXX Metro 2 COMPLIANT reporting.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXXe-oscarXXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a reporting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late installments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
NOTATION : Per CRSA enacted, XXXX implemented laws, any and all reporting must be deleted if not Proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully Metro 2 compliant.Provider Claims Late Payment yet has NOT PROVEN even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of Metro 2 compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. Unless you can document this NOT to be CORRECT and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands!
Any information that is NOT PHYSICALLY PROVEN to be COMPLIANT to every and one even each any and or all of the client 's State 's and or the federal reporting laws MUST be returned to compliance even should that requisite annulment of item 's reporting. No entity is with authority to retain or report any allegations not DEMONSTRATED by certificate of FACT to be fully TRUE, CORRECT, COMPLETE, Timely, or a determined OWNERSHIP, and or of a determined RESPONSIBILITY and the presentation of the informational evidence MUST BE IRREFUTABLE to be so.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and PERMANENT DELETION any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and XXXXetro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
Tell me in writing what information you refuse to remove and why.
Tell me in writing what you did to determine that the information was accurate.
Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
Further, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers. Therefore, I must request that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information occurs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within 20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the CRSA, any and all CRA in-sourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection.
This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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| 03/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Re : XXXX XXXX XXXX TransUnion Credit Monitoring Online Monthly Paid Account Subscription, as of XX/XX/2020 Does Not Generate any TransUnion Current Credit Reports I, XXXX XXXX XXXX ( the Complainant ) had attempted on three ( 3 ) occasions to resolved, my TransUnion Interactive Inc. ( TUI ), a subsidiary of TransUnion Inc., ( TransUnion ) online Credit Monitoring account that is link to my TransUnion Credit file number, XXXX account. As, a [ n ] XXXX XXXX and, end user of TUI online Credit Monitoring product and services monthly online subscriber, the Complainant have experienced constant deficiencies with her online TUI web application : container based microservice oriented architectures, distributed performances in her cloud-based monthly subscription, monitoring and troubleshooting complex production programmatic system and, to research and discover technical solutions.
In order to resolve her monthly paid subscriptions that does not generates any TransUnion credit reports since XX/XX/2020. After, the Complainants TUI credit file number, XXXX accounts credit score was reduced to XXXX ( XXXX ) because she has a nonexistence of any debtholder credits history activities which is, link to her online TUIs Credit Monitoring account environment. The Complainant can not generate any TUI paid subscription Credit Monitoring, TransUnion credit reports since XX/XX/2020, as she is bound in accordance to TUIs Acceptance of their Terms and Conditions agreement in which, the Complainant may access her TransUnion Credit Monitoring product and services through TUI paid web application subscription product that TUI has failed in material breach to perform TransUnion contractual duties, as a subsidiary of TransUnion in order to generate the Complainant subscribed paid monthly Credit Monitoring, TransUnion credit reports product and services which is, deducted automatically from her debit card for {$19.00} per month, in accordance to Title 15 U.S.C. 1681 ( relating to the Fair Credit Reporting Act ). ( See Exhibit A ).
After, the Complainant had logged into her online TUIs Credit Monitoring account on XX/XX/2020, in order to generate her XX/XX/2020, TransUnion credit report and score from her static Dashboard webpage within the Membership Center section then she had clicked onto the Refresh Now button ( see exhibit B ) then the Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage had opened up ( see exhibit C ) then the Complainant click onto the checkbox for I Agree and Confirm to the Permission Statement and Confirmation agreement then she had clicked onto the Continue button. In which, the initial load of the webpage time is idle continuously until the Complainant decided to click onto the X button, located in the top right corner which should have unloaded her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage. And, the time is idle initial load happens when the Software Developer written programs had successfully created a debug that targets and starts the debugger written programs ; however, the debugger does not stop at a breaking point causing the Complainants Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage to idle in time continuously upon her clicking onto the Continue button. This means, the TUIs Integrated Development Environment ( IDE ) is probably lacking debugging information or knowledge of where their sources are in troubleshooting TransUnion written XXXX XXXX or XXXX XXXX programs.
After, the Complainant few attempts stated above in order to generate her XX/XX/2020, TUI monthly paid subscription Credit Monitoring, TransUnion credit and score from her static Dashboard webpage, she had received an error message ( see exhibit D ), as stated : We are sorry, but we are unable to fulfill your request at this time. What to do now : If the problem persists, please contact our Customer Service Team for assistance.
Afterwards, the Complainant had read her error message from the Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage stated above then she had immediately decided to call the TUIs telephone customer services representative and she was connected to XXXX, the TUIs customer services representative who had attempted to troubleshoot and investigate into why her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage did not generate any current month TransUnion paid credit report, since XX/XX/2020. And, the Complainant had explained to XXXX, the TUIs customer services representative when she had clicked onto the Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage, Continue button is always idle in time continuously without breaking. However, XXXX, the TUIs customer services representative did discovered from his backend online investigation in which, he had revealed to the Complainant that she has numerous of TransUnion credit files accounts besides her main TransUnion credit file number, XXXX account. And, XXXX, the TUIs customer services representative told the Complainant, he will escalate her numerous TransUnions consumer credit files accounts problems with a TransUnion request ticket order. In which, XXXX, the TUIs customer services representative never provided the Complainant with a TransUnion request ticket order number that XXXX, the TUIs customer services representative had claimed from his investigation, the Complainants online TUIs Credit Monitoring account environment problems are most lightly link or connect to another TransUnions consumer credit file account with the same full legal name, XXXX XXXX XXXX, as the Complainant. The Complainant replied, how is this possible for another TransUnions consumer to share her full legal name, XXXX XXXX XXXX when her name is rare? XXXX, the TUIs customer services representative replied, these others TransUnions consumers credit files accounts are blocking the Complainant from generating a current TUI Credit Monitoring, TransUnion paid credit report and, XXXX, the TUIs customer services representative told the Complainant to call back next week on XX/XX/2020. In order to give them time to look into these TransUnions consumers numerous credit files accounts which are, link or connect to her full legal name, XXXX XXXX XXXX.
On XX/XX/2020, the Complainant had call the TUIs telephone customer services representative a second ( 2nd ) time in regards to her TUI online Credit Monitoring product and services monthly online subscription in which, she was still unable to generate a XX/XX/2020, Credit Monitoring, TransUnion credit report and, she was connected to XXXX, the TUIs customer services representative who could not assists her towards why her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage did not generate any current Credit Monitoring, TransUnion paid credit report. After, the Complainant had clicked onto the Continue button and, XXXX, the TUIs customer services representative could not assist her any further in his investigations towards why the Complainant could not generate any XX/XX/2020, Credit Monitoring, TransUnion credit report and, XXXX the TUIs customer services representative had transferred her call to the TransUnions telephone customer services representative. And, XXXX, the TransUnions customer services representative could not assist the Complainant towards the reasons why her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage, Continue button is always idle in time from TUI online initial load webpage then XXXX told the Complainant, he will transfer, her call to the TransUnions United States Special Handle Department ( US Special Handle Dept ) telephone customer services representative.
And, the Complainant was transferred to XXXX, the TransUnions customer services representative who had basically told the Complainant the very same explanations, as XXXX, the TUIs customer services representative stated herein. In his investigations towards why the Complainants TransUnion credit file number, XXXX account which are, associated to numerous of other TransUnion consumer credit files accounts, as a result are linked or connected to the Complainant full legal name, XXXX XXXX XXXX and [ or ] Personal Identifiable Information ( PII ) then XXXX, the TransUnion customer services representative stated to the Complainant that she will escalate a call back request. In order for a TUIs Issue Support Representative to reach out to her in the next forty-eight ( 48 ) hours.
On XX/XX/2020, the Complainant did receive an email from XXXX the TUIs Issue Support Representative in regards to XXXX, the TUI Issue Support Representative attempted to call the Complainant and, XXXX, the TUIs Issue Support Representative was unable to leave a voicemail message because the Complainant voicemail inbox was full. ( See Exhibit E ).
On XX/XX/2020, the Complainant had read XXXX, the TUI Issue Support Representative email. And, after, the Complainant had read XXXX, the TUIs Issue Support Representative email then the Complainant attempted to call XXXX, the TUIs Issue Support Representative who was unable to speak with the Complainant directly because the Complainant call attempts went directly into XXXX, the TUIs Issue Support Representative phone voicemail inbox and, the Complainant left XXXX, the TUIs Issue Support Representative a phone voicemail message to return her call at her earliest convenience. A few hours later, XXXX, the TUIs Issue Support Representative call the Complainant and, the Complainant and XXXX, the TUIs Issue Support Representative both are now connected in communications with one another in regard to why the Complainants TUI Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage does not generate a current month TransUnion paid subscription credit report. After, the Complainant had clicked onto the Continue button which should have been loaded into the next webpage due from the time is idle initial webpage load problems in the Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage. And, XXXX, the TUIs Issue Support Representative had revealed to the Complainant that her social security number ( SSN ) is missing from her Transunion credit file number, XXXX account data field which is, perhaps suspected in the causations for the Complainant unable to generate any current Credit Monitoring, TransUnion paid credit reports subscription since XX/XX/2020. And, the Complainant replied, how is this possible from the FCRA in a legality sense of references that her Transunion credit file number, XXXX account in which, her TransUnion credit file number, XXXX account has been established for decades, as a consumer of TransUnion is suddenly missing the Complainants SSN from her TransUnion master data field makes no logical sense whatsoever? The Complainant asked, XXXX, the TUIs Issue Support Representative than why is her SSN missing from her TransUnions master data field? Which only means, anyone person could potentially use the Complainants TransUnion credit file number, XXXX account ; in order to generate a TransUnion credit report, as a [ n ] public domain or open source template at will to whosoever, in need of a TransUnion credit reports using the Complainants TransUnion credit file number, XXXX account, unlawfully? XXXX, the TUIs Issue Support Representative had responded, in which, XXXX did not know how the Complainants SSN was deleted from TransUnions master data field then XXXX had told the Complainant to wait a day or two ( 2 ) before trying to run her TransUnion Credit Monitoring monthly paid TransUnion credit report subscription, again. The Complainant replied, she will try to run her Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage, Continue button again to see, if she will still have any problems with the time is idle initial webpage load on XX/XX/2020 ( Monday ) that generate her current TransUnion paid credit report product subscription. And, XXXX, the TUIs Issue Support Representative replied, to the Complainant to call her back, if the Complainant could not generate a current TransUnion paid credit report then the Complainants telephone call with XXXX, the TUIs Issue Support Representative had ended, in telephone conversation with each other.
On XX/XX/2020, the Complainant had attempted to generate her XX/XX/2020, paid Credit Monitoring TransUnion credit report product subscription online and she had received the same error message, as stated herein. The Complainant believe her attempts, as a paid monthly Credit Monitoring subscriber consumer was not professionally resolved from TUI and TransUnion customer services representatives in an effective and time efficient arbitration manner. And, during this time of references stated herein, TUI and TransUnions customer services representatives knowingly and willfully knew he or she should have escalated the Complainant calls with a ticket requests and, forwarded their ticket requests to the TransUnion IT Technical Support or Assistance department in regards to their reasons why the Complainant Refresh Your Credit Report and VantageScore 3.0 Credit Score webpage, Continue button is always idle in time from the initial load webpage.
Furthermore, TransUnion is Federally mandated in accordance to the FCRA in which, TransUnion has caused from the Complainant legal viewpoint a FCRA violations and problems with her TransUnion credit file number, XXXX account which are, associated to numerous of other TransUnion consumers credit files accounts are in violations of Title 15 U.S.C. 1681 ( relating to the Fair Credit Reporting Act ). And, these TransUnions consumers who [ m ] are unknown or Fictitious Name Person [ s ] ( DOE ET AL ) to the Complainant had unlawfully changed his or her legal full name to the Complainant legal full name, XXXX XXXX XXXX with a malice aforethought in premeditated criminal intents to match, link, connect, alter, access, hack, manipulate and [ or ] split against the Complainants Transunion credit file number, XXXX account, as belonging to DOE ET AL credit file number, XXXX account. After, DOE ET AL had unlawfully changed his or her full legal name in order to match against the Complainant full legal name, XXXX XXXX XXXX then DOE ET AL had sent to TransUnion two ( 2 ) require validated documents, as proofs or evidences such as : 1. Valid Drivers License 2. Social Security Card 3. Pay Stub 4. W2 Form 5. 1099 Form 6. Court Documents for Legal Name Change 7. Birth Certificate 8. Passport 9. Marriage Certificate 10. Divorce Decree 11. State Identification Card 12. Military Identification 13. Utility Bill with the Correct Address ( gas, water, cable, residential phone bill ) 14. Cell Phone Bill 15. Rental Lease Agreement / House Deed 16. Mortgage Statement or 17. Bank Statement using the Complainant full legal name, XXXX XXXX XXXX and PII details, as substitution for DOE ET AL authentication features, as his or her proofs or evidences when TransUnions employee [ s ] knowingly and willfully knew DOE ET AL had two ( 2 ) validated documents requirements mailed from the United States Postal Service ( USPS ) that did not match the Complainants TransUnion PII details credit file number, XXXX account are in violations of the Complainants Civil and Human Rights. After, DOE ET AL had unlawfully changed his or her full legal name to the Complainant full legal name, XXXX XXXX XXXX had experienced extraordinary cruel and unusual excessive conspiratorial objectives in matching, linking, connecting, altering, accessing, hacking, manipulating and [ or ] splitting the Complainants TransUnion PII details credit file number, XXXX account, as belong to DOE ET ALs TransUnion PII details credit file number, XXXX account has forced, compelled and coerced the Complainants Transunion credit file number, XXXX account into Identity Thefts, Fraudulent Activities and Involuntary Servitude under : Title 18 U.S.C. 1028 ( relating to Fraud and Related Activity in Connection with Identification Documents, Authentication Features, and Information ) ; Title 18 U.S.C. 1341 ( relating to Frauds and Swindles ) ; Title 18 U.S.C. 1343 ( relating to Frauds by Wire, Radio or Telephone ) ; Title 18 U.S.C. 1346 ( relating to Scheme or Artifice to Defraud ) ; Title 18 U.S.C. 1349 ( Attempt and Conspiracy ) ; and Title 18 U.S.C. 1584 ( relating to Involuntary Servitude ).
In which, DOE ET AL and TransUnion employee [ s ] knowingly and willfully participated into a said, Transunion credit file number, XXXX account conspiracies that does not matches the Complainants PII details are as follows : Name : Personal Identification Number : Personal Address Information : Personal Telephone Number Personal Characteristics Full Legal Name Social Security Number Residential Address Cellular Phone Photographic Images ( particularly of Face or other identifying characteristics ) Mother Maiden Name Passport Number Email Address Telephone No. Fingerprints Alias Drivers License Number Handwriting Taxpayers ID Number Patient Identification Number Financial Account Number Credit Card Number.
And, TransUnions employee [ s ] had either allowed and created DOE ET ALs TransUnion credit file number XXXX account using or duplicating the same exact PII profile details, as the Complainants TransUnion credit file number XXXX account or, TransUnions employee [ s ] had allowed and used the Complainants TransUnion credit file number, XXXX account, as a [ n ] public domain or open source template by ways of deleting the Complainants SSN from her TransUnion credit file number, XXXX account data field then adding the DOE ET ALs SSN [ s ] to the Complainants TransUnion credit file number, XXXX account data field, as belonging to DOE ET AL TransUnion credit file number, XXXX account for the sole reasons of aiding and abetting and concealing DOE ET AL identity thefts criminal activities within TransUnion departments.
Now, DOE ET AL can unlawfully generate a TransUnion Credit Report by ways of accessing the Complainants TransUnion credit file number, XXXX account using his or her own SSN which causes unlawful generated TransUnion credit reports. Which are, assigned to the Complainants TransUnion credit file number, XXXX account followed by a dash ( - ) next is the assigned three-digit numbers for each TransUnion credit report printed out and sent [ supposedly ] to the Complainant in sequential or consecutive numbers printed out orders are assigned a three ( 3 ) digit identification numbers unusual located at the top-left corner of the Complainants TransUnion two ( 2 ) cover letters received from TransUnion by ways of the USPS mailed delivery apparatus. So, each TransUnion credit report printed out in an order had generated, its own unique identification numbers. ( See Exhibit F and G ).
This means, DOE ET AL had unlawfully and intentionally generated eighty ( 80 ) TransUnion credit reports in sequential or consecutive numbers printed out orders, as his or her TransUnion credit reports identification numbers using or associate with the Complainants TransUnion credit file number, XXXX account when the Complainant only requested two ( 2 ) TransUnion credit reports ( see exhibit F and G ) received by ways of USPS mailed delivery apparatus ( highlighted in red ) out of eighty ( 80 ) TransUnion Credit Reports ( highlighted in blue ) that were generated from TransUnions DOE ET AL consumers using or duplicating the Complainants TransUnion credit file number, XXXX account then TransUnion had mailed those credit reports by way of USPS delivery apparatus to DOE ET AL residential addresses, as shown all TransUnion identification numbers that were generated from XX/XX/2020 to XX/XX/2020 below : XXXX XXXX XXXX TransUnion Credit File Number : XXXX Account Generated Credit Reports Identification Numbers ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL **XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXXXXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** Complainant ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX*** DOE ET AL ***XXXX**XXXX Complainant.
The Complainant had not requested, authorized, consented, waived her legal rights and [ or ] received by ways of USPS mailed delivery apparatus any of the eighty ( 80 ) TransUnion credit reports ( highlighted in blue ) generated from her TransUnion credit file Number, XXXX account. So, the Complainant question arises onto how and why eighty ( 80 ) TransUnion credit reports were generated from her TransUnion credit file number, XXXX account without the Complainant legal authorizations?
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| 04/02/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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my name XXXX XXXX XXXX asOF XX/XX/XXXX spoke with supervisor at transunion Special handling at fraud department XXXX XXXX at TRANSUNION And FRAUD SPECIALIST AT XXXX I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXXXXXX I sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. ( ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) Account Number : XXXX Date fraud XXXX amount : {$1300.00} ( ( XXXXXXXX XXXX XXXX ) ) account number XXXX XXXX {$24000.00} and ( ( XXXXXXXX XXXX XXXX ) ) account XXXX date openedXXXX amount {$15000.00} VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT AXXXX. Gramm-leach-Bliley ActXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, C ( Fraudulent address ) XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX ) ) - To : Whom it may concern at XXXX XXXX/TRANSUNION You are in violation of the Fair Credit Reporting Act XXXX " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " TransUnion '' XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. ( ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Date fraud beganXXXX amount : {$1300.00} ( ( XXXX XXXX XXXX ) ) account number XXXX dateXXXX {$24000.00} and ( ( XXXX XXXX XXXX XXXX ) account XXXX date openedXXXX amount $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( ( Fraudulent Name ) ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX ) ) VIOLATIONS ) ) - 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act. I AM aware that -my SSN belongs to the ( SSA ) Social Security Administration -and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice toCEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/ ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX ) Account Number : XXXX Date fraud beganXXXX amount : {$1300.00} ( XXXXXXXX XXXX XXXX XXXX account number XXXX dateXXXX {$24000.00} and ( XXXXXXXX XXXX XXXX ) account XXXX date opened XX/XX/XXXX ( amount {$15000.00} ) VIOLATIONS ) ) - 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section XXXX of USA PATRIOT Act. Gramm-leach-Bliley Act.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, C ( Fraudulent address ) XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX ( Failure to remove account in 15 days from my consumer report ) as requested will result in legal matters being taken and me turning you ( XXXX/TRANSUNION/ ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX/TRANSUNION/ XXXX/TRANSUNION/XXXX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud XXXX amount : {$1300.00} XXXX XXXXXXXX XXXX account number XXXX dateXXXX {$24000.00} and XXXX XXXX XXXX account XXXX date openedXXXX amount $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/ 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and XXXXXXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXXTRANSUNION/ XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number XXXX XXXX Date fraud began:XXXX amount : {$1300.00} XXXXXXXX XXXX XXXX account number XXXX dateXXXX {$24000.00} and XXXX XXXX XXXX account XXXX date openedXXXX amount $ XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SMALL BUS ADMIN DATE XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX, XXXX XXXX, XXXX, C ( Fraudulent address XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I HAVE PRESENTED COMPELLING EVIDENCE AND HAVE XXXXENT VALIDATION LETTERD TO THE LAW NONE HAVE BEEN ANSWERED WITH LEGAL DOCUMENTS I ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies . 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave XXXX ( TransUnion XXXX XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agencyreceives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. XXXX/and TRANUNION is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e )
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| 10/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern, This my formal response to TransUnion and the CFPB Regarding my initial complaint submitted on XX/XX/XXXX. I request additional help from the CFPB or court intervention. Please see the details of my feedback below and the inaccurate, inconsistent, incomplete information still unverified on the original accounts I requested.
TransUnion has still failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and that it thcurrently reports appropriately, accurately and ONLY undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards, without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations against me satisfying at least the minimal criteria to satisfy the federal and my state 's applicable regulatory mandates for reporting. This means it needs to be reported to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBIE COMPLETENESS! NEITHER OF WHICH HAS TRANSUNION DONE as you will see further down in this letter.
Transunion has failed to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns that the negative information portrayed by the company is either ( 1 ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity against each, any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each, any or all consumer credit reporting repository ( ies ) is in fact done so without deviation, from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to the aforementioned maximum possible accuracy and completeness.
My concern is that Transunion either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXXXXXX XXXX own XXXX manual ( see XXXX XXXX ) on which it plain as day states : " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemed legitimate, giving me the RIGHT I've exercised to CONTEST that Transunion 's inadequately asserted, but very conditional PRIVILEGE, to report information provably against me.
In my contesting of their privilege to report in this circumstance related to this filed CFPB notice I as well, did forward previously not successfully, responded to and even here and now currently demanded answered CHALLENGE to the mentioned Transunion, for them to demonstrate document proof confirming the information alleged against me on my consumer report, in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged against me!
As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) accusations against me. In my opinion, my rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for documented proof of Transunions adherence to reporting pertinence was not met as is required of them and has not been satisfied even to this date thereby forcing my hand to request additional CFPB authoritative intervention and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the Transunion 's reporting behaviors, regulated by law!
CFPB, my rights are still being violated under FCRA. Please act NOW to have Transunion remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report.
I demand the accounts mentioned below to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the Transunion in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied against me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors! Please see the inconsistent, jeopardized data they are still reporting below and help me get it removed from my consumer reports : XXXX XXXX The high balance does not match. Its showing {$4000.00} on TransUnion, {$0.00} on XXXX and {$0.00} on Transunion. So which one is correct? Where is the documented proof I requested?
The last verified date is XX/XX/XXXX on TransUnion. I submitted this complaint on XX/XX/XXXX and pulled this information today, XX/XX/XXXX. Per Transunion the information was verified on XXXX so they obviously didnt verify it on XXXX as requested 4 other times. If so, where is the documentation they received from the creditor that this information is accurate?
The Dates of last activity do not match on any bureau. For Transunion it is XX/XX/XXXX, For XXXX it shows XX/XX/XXXX and for Transunion, it shows XX/XX/XXXX. This is inconsistent and inaccurate. Where is the proof that this date of last activity is correct?
The close date is inconsistent and doesnt match across all three bureaus. There is no close date for XXXX and XXXX but TransUnion lists the close date as XX/XX/XXXX. Where is the proof?
The date opened on the account doesnt match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and Transunion shows XX/XX/XXXX so whats the right date?
The account rating doesnt match. Transunion shows closed, XXXX shows paid, Transunion shows paid. Is it closed or paid? Wheres the proof?
The last payment date doesnt match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and Transunion shows XX/XX/XXXX.
What is the correct close date? Wheres the proof from the creditor that any of this is correct and that they verified that the date they have is correct?
The term length is not listed. This makes the account incomplete.
The account type is different across all three bureaus.
The payment frequency isnt listed so how can you say I was ever late or that this is a chargeoff if there is no contracted payment frequency? Where is the contract that states I had to make payments every 30 days?
The payment history doesnt match across all three bureaus.
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately.
XXXX XXXX XXXX This account was removed from XXXX because it could not be verified. How did TransUnion verify it?
The high balance does not match. It shows {$8000.00} for TransUnion and {$0.00} for XXXX The date last verified shows XX/XX/XXXX. I submitted this complaint on XX/XX/XXXX. If it was verified on XX/XX/XXXX, where is the documented proof and why did I get a notice stating it was verified on XXXX The date of last activity doesnt match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Whats the correct date? Why can TransUnion not show me the document that shows that they verified the correct date?
The Date opened doesnt match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Which date is correct? If TransUnion has the correct date, where is the contract? Where is the proof? Where is the documentation that I asked for?
The dispute status is incorrect. This account should show in dispute per section 623 ( a ). Its been in dispute since May of this year and it has never shown in dispute. This is a violation of my rights.
The Creditor type doesnt match. Transunion shows bank, XXXX shows Bank Credit cards. This is inconsistent.
The term length is not listed. This makes the account incomplete.
The account type is different across all three bureaus, for TransUnion it is a flexible spending card, what is that? For XXXX is a credit card. Which is correct? Wheres the documentation that TransUnion used to verify that this is a flexible spending card?
The payment frequency isnt listed so how can you say I was ever late or that this is a chargeoff if there is no contracted payment frequency? Where is the contract that states I had to make payments every 30 days?
The payment history doesnt match across all three bureaus.
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately!
XXXXXXXX XXXX XXXXXXXX XXXX The account number is incomplete. What is the correct account number?
This account was deleted from XXXX because they could not verify the information as I requested but Transunion is still reporting it inaccurately.
The high balance does not match. Transunion shows {$14.00}, XXXX while XXXX shows {$0.00}. Wheres the documented proof that Transunion verified this as accurate?
The date last verified shows XX/XX/XXXX. Okay then, wheres the documents from the verification? You closed the account out on XXXX saying everything was verified. Why didnt you send the verification documents such as signed contracts or documentation from the creditor?
The Date of last activity does not match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Which one is correct? Wheres the proof showing me that you have verified the correct date?
The closed date doesnt match. Transunion shows XX/XX/XXXX. XXXX shows no closed date. Is the account closed? Where is the documentation that shows the date of close is correct? If TransUnion verified it, they should have the documentation.
The creditor type doesnt match. TransUnion shows Bank, XXXX Shows Bank Credit Card. Which one is it? Wheres the proof?
The term length is not listed. This is incomplete The payment history does not match across either bureau.
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately!
XXXX XXXX XXXX The account number does not match across all three bureaus. Wheres the proof that this is my account?
The high balance doesnt match. TransUnion shows {$6700.00}, XXXX shows {$0.00}, XXXX shows {$6700.00}. Wheres the documentation that TransUnion used to verify that they have the correct high balance? Show me proof.
The date last verified shows XX/XX/XXXX. When transunion closed the complaint, they closed it on XXXX. Wheres the documentation from the verification that shows they have the right information? The verified everything is accurate within 7 days? Thats fast! So show me the documentation that you received from the creditor verifying this information is accurate.
The date of last activity does not match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. What is the correct date? Show me the documented proof that TransUnion received from the creditor that shows they have the correct last activity date.
The date opened does not match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. So which date is correct? If TransUnions date is correct, they should have documentation from the creditor that they can present to me as proof that they have the right date and the other bureaus are incorrect. Show me proof.
The closed date does not match. It shows XX/XX/XXXX on TransUnion, and nothing on XXXX and XXXX. Wheres the proof that TransUnion has the right date?
Per section 623 ( a ) this account should be showing in dispute. I have disputed this account every month since XX/XX/XXXX and it has yet to be shown in dispute even after reporting TransUnion to the CFPB. This is a violation of my FCRA rights! Please help me with this!
The creditor type does not match. TransUnion shows Bank, XXXX shows Bank Credit Cards and XXXX shows National Credit Card Companies. This is inconsistent. Which one is it? Show me proof!
Credit remarks dont match. Transunion says it was closed as bad debt. XXXX says it was closed due to inactivity and XXXX shows the account in dispute. This account was settled. Wheres the documented proof that this account is reporting accurately?
Date of last payment doesnt match. Transunion shows XX/XX/XXXX. XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Wheres the proof that TransUnion is correct? If it was verified with the creditor, there should be some documented proof they can show me so that I know that the date they have is correct.
Term length is not listed. This makes the account incomplete.
If this is a charge-off, why is there a past due balance reporting? A charge-off can not show a past due balance.
The credit limit does not match. Transunion shows {$6000.00}, XXXX shows {$6000.00}, XXXX shows {$0.00}. Which is it? Wheres the contract or documented proof that TransUnion received from the creditor showing what the true credit limit is?
The payment history doesnt match across all three bureaus.
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately!
XXXX XXXX XXXX The high balance doesnt match. TransUnion shows {$1900.00}, XXXX shows {$0.00}, XXXX shows {$1900.00}. Wheres the documentation that TransUnion used to verify that they have the correct high balance? Show me proof.
The date last verified shows XX/XX/XXXX. When TransUnion closed the complaint, they closed it on XXXX. Wheres the documentation from the verification that shows they have the right information? The verified everything is accurate within 7 days? Thats fast! So show me the documentation that you received from the creditor verifying this information is accurate.
The date of last activity does not match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. What is the correct date? Show me the documented proof that TransUnion received from the creditor that shows they have the correct last activity date.
The date opened does not match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX and XXXX shows XX/XX/XXXX. So which date is correct? If TransUnions date is correct, they should have documentation from the creditor that they can present to me as proof that they have the right date and the other bureaus are incorrect. Show me proof.
The closed date does not match. It shows XX/XX/XXXX on TransUnion, and nothing on XXXX and XXXX. Wheres the proof that TransUnion has the right date?
Per section 623 ( a ) this account should be showing in dispute. I have disputed this account every month since XX/XX/XXXX and it has yet to be shown in dispute even after reporting TransUnion to the CFPB. This is a violation of my FCRA rights! Please help me with this!
The creditor type does not match. TransUnion shows Bank, XXXX shows All Banks and XXXX shows All Banks. This is inconsistent. Which one is it? Show me proof! Surely Transunion has it if they verified it!
Date of last payment doesnt match. Transunion shows XX/XX/XXXX. XXXX shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Wheres the proof that TransUnion is correct? If it was verified with the creditor, there should be some documented proof they can show me so that I know that the date they have is correct.
Term length is not listed. This makes the account incomplete.
If this is a charge-off, why is there a past due balance reporting? A charge-off can not show a past due balance.
The credit limit does not match. Transunion shows {$1900.00}, XXXX shows {$1900.00}, XXXX shows {$0.00}. Which is it? Wheres the contract or documented proof that TransUnion received from the creditor showing what the true credit limit is?
The payment history doesnt match across all three bureaus.
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately!
XXXX XXXX XXXX XXXX removed this account because they could not verify the information. Where are the documents that TransUnion used to verify this information?
Date of last activity does not match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, not listed on XXXX. Wheres the proof that transunion has the right date of last activity?
Date reported does not match. Transunion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX. Wheres the proof that they reported anything?
The date opened doesnt match. TransUnion shows XX/XX/XXXX, XXXX shows XX/XX/XXXX, XXXX is not listed.
Creditor type does not match. XXXX shows collection services, XXXX shows Factoring companies. Which is it? Wheres the proof?
The account status doesnt match. Transunion shows its open, XXXX shows closed, XXXX is not listed.
Payment status doesnt match. Transunion shows its a collection/chargeoff, XXXX shows as Late 120 days. Which is it? Wheres the proof?
The original creditor does not match. Is it XXXX XXXXXXXX XXXX XXXX XXXX or XXXX XXXX as there is no original creditor listed on XXXX. Show me the documents used to verify this.
Last payment doesnt match. Transunion doesnt have one listed, XXXX shows XX/XX/XXXX. When was it? Show me the documentation.
Account type doesnt match. Transunion doesnt have one listed, XXXX has Collection listed. Transunion is incomplete. Which is it?
See screenshot below for more detailed information on how this account is being reported. How can TransUnion continue to report this inaccurate unverified information without showing me proof that this information is accurate? If they verified it, they should have the documents that they verified it with and they should be able to send those documents to me. I demand this account be deleted from my report immediately!
Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS. '' The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Therefore, I demand that you delete the above inaccuracies from my consumer report, this agency is in violation of 15 USC 1681!
Please provide documented proof that these accounts were verified or delete and/or update them immediately as I have previously requested multiple times!
Thank you for your assistance in this urgent matter,
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| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX XXXX {$910.00} is reporting incorrect across all 3 credit reporting agencies XXXX, TransUnion, XXXX.Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Every month XXXX XXXX XXXX is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system. XXXX XXXX XXXX has violated my privacy numerous of times by selling my information multiples times to 3rd party without my consent. XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. are the two companies XXXX XXXX XXXXXXXX has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. XXXX XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. XXXX XXXX XXXX They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that XXXX XXXX XXXX is abusing and violating me as well as all 3 credit reporting agencies XXXX, XXXX and TransUnion.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made.
( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public.
31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer.
( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).
( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.
( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Reporting company used your report improperly
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Subject : Complaint Regarding Failure to Investigate Disputed Credit Report Information Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a concerning issue regarding the failure of Bureau 's to investigate and rectify inaccuracies on my credit report, as mandated by the provisions of the United States Code ( USC ) definition.
Background Information : XXXX : 1. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : Employers : XXXX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX XXXX. The following personal information is incorrect Account Number : Employers : RETIRED 6. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
7. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
31. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
33. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
34. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
35. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
36. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
37. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
38. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
39. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
40. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
41. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
42. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
43. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : 1. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
2. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
3. The inquiry was not authorized XXXX XXXX XXXXI Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report.
23. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
24. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
25. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
26. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
27. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
28. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
29. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
30. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
31. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
32. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
33. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
34. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
35. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
36. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
37. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
38. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
39. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
40. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
TransUnion : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX 2. The following personal information is incorrect Account Number : Employers : XXXX XXXX 3. The following personal information is incorrect Account Number : Employers : XXXX XXXX. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Bankruptcy Case Number : XXXX Please investigate and delete from my credit report.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
20. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
21. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
22. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
23. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
24. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
25. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
26. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
27. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
28. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
29. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
30. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
31. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
32. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
33. Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ) 1681 ( c ) ( 1 ) and 1681 ( c ) ( 2 ) 15 U.S.C. 6801 XXXX Account Number : XXXX Please investigate and delete from my credit report.
34. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, GA XXXX According to the provisions outlined in the USC code, specifically Under 15 U.S. Code 1681 The definition of " INVESTIGATE '' : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have the right to dispute inaccurate information on my credit report. I exercised this right and submitted a formal dispute to the Bureau 's on XX/XX/XXXX. The inaccuracies pertain to Collection entry on my credit report that I have never authorized or entered into any contractual agreement with. Cease all collection activities until investigation completion. 15 U.S. Code 1681s 2, 1681a ( 3 ).
.
Despite providing all necessary documentation and evidence to support my dispute, Bureau 's has failed to initiate a thorough investigation into the matter. As per the USC code definition, it is the responsibility of the credit bureau to conduct a reasonable investigation upon receiving notice of a dispute.
I am deeply concerned about this violation of the law and the potential negative impact on my creditworthiness. The failure to investigate my dispute not only undermines my rights as a consumer but also compromises the accuracy and integrity of the credit reporting system as a whole.
I kindly request your intervention and assistance in addressing this matter. I believe it is imperative for the Bureau 's to adhere to the regulations set forth in the USC code and fulfill its obligation to investigate and correct inaccuracies on my credit report.
Enclosed with this letter, you will find copies of the correspondence exchanged between myself and the Bureau 's including the initial dispute letter, supporting documentation, and any responses or lack thereof. These documents serve as evidence of the credit bureau 's failure to comply with the USC code.
I respectfully ask that you investigate this matter further, ensure compliance with the applicable USC code, and take appropriate actions against the Bureau 's for their non-compliance. Additionally, I kindly request that you keep me informed of any progress or developments regarding my complaint.
Thank you for your attention to this serious matter. I trust in the Consumer Financial Protection Bureau 's commitment to safeguarding consumer rights, and I look forward to a prompt resolution of this dispute.
Sincerely,
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| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per Cfr 1022.41 and 15 USC 1681 Permissible purposes Both of XXXX XXXX XXXX and XXXX XXXX accounts XXXX is {$420.00} and the other is {$960.00} is reporting incorrect across all XXXX credit reporting agencies XXXX, TransUnion, XXXX. TransUnion, say I opened account on XXXX. XXXX I opened account on XXXX. XXXX. XXXX has no data reporting but has the information on the account. TranUnion is reporting a open account and XXXX and XXXX are reporting closed accounts. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX XXXX and XXXX XXXX is in violation of my privacy rights Per the Privacy Act of XXXX Also said that under XXXX XXXX XXXX your XXXX is not suppose to be given out to anyone. They also sharing information with another XXXX XXXX XXXX XXXX which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX and XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
Here is a list of laws that XXXX XXXX and XXXX XXXX XXXX is abusing and violating me as well as all XXXX credit reporting agencies XXXX, XXXX and TransUnion.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made.
( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public.
31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer.
( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).
( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.
( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX is reporting incorrect across all 3 credit reporting agencies XXXX, TransUnion, XXXX. TransUnion say I opened account on XXXX. XXXX and XXXX says I opened account on XXXX. XXXX. The balances are being reported incorrectly TransUnion and XXXX says XXXX. XXXX is a reporting XXXX. TranUnion is reporting a open account and XXXX and XXXX are reporting closed accounts. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Reporting a charge off C/O Every month is illegal. you are reading the account and they can not repeat charge offs every month can only report once. XXXX XXXXXXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that Ally Financial is abusing and violating me as well as all 3 credit reporting agencies XXXX, XXXX and TransUnion, XXXX XXXX 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made.
( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public.
31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer.
( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).
( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.
( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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Per Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX is reporting incorrect across all to TransUnion credit reporting agencies. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. Every month XXXX XXXX is reporting C/O charge off on my credit report and that is illegal you can't charge off a debt every month it is re-aging the debt making it look newer than what it is and manipulating the the system. XXXX XXXX has violated my privacy numerous of times by selling my information multiples times to a 3rd party without my consent. XXXX XXXX has sold my personal information to such as my address, social security number, birthday and name and they are lying about it. XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your info is not suppose to be given out to anyone. They also sharing information which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that XXXX XXXX is abusing and violating me as well as credit reporting agency Transunion. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in XXXX primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. ( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 1 ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( 2 ) required under section 552 of this title ; ( 3 ) for a routine use as defined in subsection ( a ) ( 7 ) of this section and described under sub- section ( e ) ( 4 ) ( D ) of this section ; ( 4 ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title 13 ; ( 5 ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( 1 ) except for disclosures made under sub- sections ( b ) ( 1 ) or ( b ) ( 2 ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( 2 ) retain the accounting made under para- graph ( 1 ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( 3 ) except for disclosures made under sub- section ( b ) ( 7 ) of this section, make the ac- counting made under paragraph ( 1 ) of this sub- section available to the individual named in the record at his request; and ( 4 ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made. ( n ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public. 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address. ( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information. 15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft. 12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. ( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer. ( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency. ( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source. ( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ). ( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). ( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available. Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per Cfr 1022.41 and 15 USC 1681 Permissible purposes XXXX XXXX XXXX is reporting inaccurate across all 3 credit reporting agencies XXXX, TransUnion, XXXX.Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the Irs Publication. The credit reporting agencies are not to report income on my credit report. XXXX XXXX XXXX is violated my privacy numerous of times by selling my information multiples times to XXXX party without my consent. XXXX XXXX XXXX is in violation of my privacy rights Per the Privacy Act of XXXX Also said that under 5 USC 552A your social is not suppose to be given out to anyone. XXXX XXXX They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. XXXX XXXX Bank violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. Here is a list of laws that XXXX Bank is abusing and violating me as well as all XXXX credit reporting agencies XXXX, XXXX and TransUnion.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( XXXX ) Reflects the terms of and liability for the account or other relationship ; ( XXXX ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( XXXX ) Identifies the appropriate consumer.
c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( XXXX ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( XXXX ) Is a consumer to whom the furnished information pertains; or ( XXXX ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( XXXX ) Is substantiated by the furnisher 's records at the time it is furnished ; ( XXXX ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( XXXX ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : The Privacy Act of XXXX is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( XXXX ) to those officers and employees of the agency which maintains the record who have a need for the record in the performance of their duties; ( XXXX ) required under section 552 of this title ; ( XXXX ) for a routine use as defined in subsection ( a ) ( XXXX ) of this section and described under sub- section ( XXXX ) ( XXXX ) ( D ) of this section ; ( XXXX ) to the Bureau of the Census for purposes of planning or carrying out a census or survey or related activity pursuant to the provisions of title XXXX ; ( XXXX ) to a recipient who has provided the agen- cy with advance adequate written assurance that the record will be used solely as a statis- tical research or reporting record, and the record is to be transferred in a form that is not individually identifiable ; ACCOUNTING OF CERTAIN DISCLOSURES. Each agency, with respect to each system of records under its control, shall ( XXXX ) except for disclosures made under sub- sections ( b ) ( XXXX ) or ( b ) ( XXXX ) of this section, keep an accurate accounting of ( A ) the date, nature, and purpose of each disclosure of a record to any person or to an- other agency made under subsection ( b ) of this section; and ( B ) the name and address of the person or agency to whom the disclosure is made ; ( XXXX ) retain the accounting made under para- graph ( XXXX ) of this subsection for at least five years or the life of the record, whichever is longer, after the disclosure for which the ac- counting is made ; ( XXXX ) except for disclosures made under sub- section ( b ) ( XXXX ) of this section, make the ac- counting made under paragraph ( XXXX ) of this sub- section available to the individual named in the record at his request; and ( XXXX ) inform any person or other agency about any correction or notation of dispute made by the agency in accordance with subsection ( d ) of this section of any record that has been dis- closed to the person or agency if an account- ing of the disclosure was made.
( XXXX ) MAILING LISTS.An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to re- quire the withholding of names and addresses otherwise permitted to be made public.
31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
XXXX ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( XXXX ), authorizes the disclosure of information about the debtor to a credit bureau.
15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from afinancial institution nonpublic personal information under this section shall not, directly or through anaffiliate of such receiving third party, disclose such information to any other person that is anonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
15 U.S. Code 6805 Enforcement ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries oraffiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( C ) No address requirement A person who clearly and conspicuously specifies to the consumer an address for notices referred to in subparagraph ( B ) shall not be subject to subparagraph ( A ) ; however, nothing in subparagraph ( B ) shall require a person to specify such an address.
( D ) Definition For purposes of subparagraph ( A ), the term reasonable cause to believe that the information is inaccurate means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of the information.
15 usc 1681m ( 1 ) In general No person shall sell, transfer for consider- ation, or place for collection a debt that such person has been notified under section 1681c2 of this title has resulted from identity theft.
12 CFR 1022.41 ( a ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer.
( b ) Direct dispute means a dispute submitted directly to a furnisher ( including a furnisher that is a debt collector ) by a consumer concerning the accuracy of any information contained in a consumer report and pertaining to an account or other relationship that the furnisher has or had with the consumer.
( c ) Furnisher means an entity that furnishes information relating to consumers to one or more consumer reporting agencies for inclusion in a consumer report. An entity is not a furnisher when it : ( 1 ) Provides information to a consumer reporting agency solely to obtain a consumer report in accordance with sections 604 ( a ) and ( f ) of the FCRA ; ( 2 ) Is acting as a consumer reporting agency as defined in section 603 ( f ) of the FCRA ; ( 3 ) Is a consumer to whom the furnished information pertains; or ( 4 ) Is a neighbor, friend, or associate of the consumer, or another individual with whom the consumer is acquainted or who may have knowledge about the consumer, and who provides information about the consumer 's character, general reputation, personal characteristics, or mode of living in response to a specific request from a consumer reporting agency.
( d ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and ( e ) Duty of furnisher after receiving a direct dispute notice. After receiving a dispute notice from a consumer pursuant to paragraphs ( c ) and ( d ) of this section, the furnisher must : ( 1 ) Conduct a reasonable investigation with respect to the disputed information ; ( 2 ) Review all relevant information provided by the consumer with the dispute notice ; ( 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section; and ( 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of that determination and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher ( b ) Definitions. The following definitions apply to this exemption : 16 CFR 313.1 ( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rulemaking authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of 1956, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rulemaking authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
( m ) ( 1 ) Nonaffiliated third party means any person except : ( i ) Your affiliate; or ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type described in section 4 ( k ) ( 4 ) ( H ) or insurance company investment activities of the type described in section 4 ( k ) ( 4 ) ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ).
( n ) ( 1 ) Nonpublic personal information means : ( i ) Personally identifiable financial information; and ( ii ) Any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any personally identifiable financial information that is not publicly available.
Subpart A - Privacy and Opt Out Notices 313.4 Initial privacy notice to consumers required.
( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( XXXX ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( XXXX ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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XXXX XXXX Bank consumer been entangled in a web of inaccuracies unfair lending practices, unauthorized account activities and charge off reporting by fifth third bank. Despite the consumer 's best efforts to solve discrepancies have persisted to provide consumer with buyers loan sale XXXX XXXX and or disclosure 4 years of lending, XXXX x unknowing auto loan modifications increased term XXXX, XXXX, XXXX, XXXX XXXX XXXX bank continued to report the auto loan as default on consumer file while consumer while during consumer request to investigate balance lead to unfair inaccurate 30 60 90 late credit file. balance and loan investigation, Resulted in unfair auto loan charge off. Consumer is desperate needing the status charge off revoked stopped removed disparately needs transportation. due to unfair practices related to unauthorized debit card or accounts unknowingly and fraudulent electronic transactions. initial payment XX/XX/XXXX initial payment of {$3500.00} made on XX/XX/XXXX reported as late reported balance of XXXX contradicts actual purchase of sales balance of {$32000.00} XX/XX/XXXX in accurate recorded to the credit bureaus has {$600.00} actual payment was {$600.00} late payment charges calculate errors unauthorized charges of XXXX cents more than required payment on during discrepancies in payment allocations included curtailment payments total unfair charges amounting to $ XXXX years loan modification unfair practices lack of sales contact of buyers agreement the time of all loan modifications unauthorized loan deferment and charges to bank account COVID-19 assistance and deferment consumer timely payment not accurately reflected during COVID-19 assistance program unauthorized installment loan deferments leading to balance confusion I didn't eat the concerns unauthorized transactions unauthorized electronic Bank transactions affecting payments and financing XXXX regarding unauthorized bank account activities concerns with unauthorized bank account activities consumer account activities have been affected by unauthorized Bank transactions correspondences sent to XXXX XXXX XXXX on XXXX XXXX XXXXegarding unauthorized bank accounts Genie card and pin numbers sent on XX/XX/XXXX without consumer authorization these authorization actually have contributed to a ate of payment consumer monthly installment consumer payment from XX/XX/XXXX, the to XX/XX/XXXX inaccurate balances and payments reported to consumer credit First payment XX/XX/XXXX reported delinquent contradicts consumer cXXXX # XXXX {$3500.00} XXXX XXXX XXXX inaccurate credit file reporting balances reported {$32000.00} contradicts purchase sale balance {$32000.00} ( this is {$130.00} ) indifference that would continue to impacted Higher interest payment Consumer First payment reported inaccurately late XX/XX/XXXX inaccurate payment to consumer credit file {$600.00} contradicts consumer factual payment {$620.00} XXXX XXXX XXXX unfair deceptive credit file reporting CRA that consumer payment was {$600.00} contradicts payment required by the consumer of {$600.00} XXXX XXXX XXXX has charged the consumer a ( XXXX cents ) more than the required payment furnished XXXX cents x XXXX {$270.00} unfairly charged a year XXXX XXXX total balance does include the curtailment payments that had been included to payment to pay off the entire loan balance.
Consumer complaints XXXX XXXXXXXX XXXX did not provide the consumer with a sales contract or a buyers agreement at the time of consumer auto loan modification consumer was deprived TRUTH AND LENDING SALES AGREEMENT 4 years lending experience consumer BELOW LIST CONSUMER INSTALLMENT LOAN PAYMENT THAT CLEARLY DISAGREES TO THE UNFAIR AUTO LOAN CHARGE OFF unfair calculations inaccurate installments reported as late consumer dispute credit file no payment applied to installment loan XX/XX/XXXX payment XXXX consumer disputes the inaccurate payment the inaccurate payment data reported {$600.00} consumer payment {$620.00} provided {$19.00} curtailment payment unknown where and how payment applied according to XXXX XXXX XXXX loan modification the advised payment XXXX didnt statrd on the loan until XX/XX/XXXX contradicts consumer payment of XXXX due in for XX/XX/XXXX payment Second payment XX/XX/XXXX {$460.00} + {$53.00} = {$610.00} remainder {$1.00} Third payment XX/XX/XXXX {$600.00} - {$460.00} = $ XXXX $ XXXX {$460.00} ( FYI ) Consumer complaint regarding XXXX XXXX XXXX inaccurate credit file reported to the CRAs that had reporting the consumer monthly payment as {$600.00} when XXXX XXXX XXXX XXXXXXXX years that the consumer loan XX/XX/XXXX {$590.00} XX/XX/XXXX {$590.00} dispute XX/XX/XXXX {$590.00} Charged twice as over payment charge unfairly documented XXXX XXXX payment charged consumer XXXX x the installment loan XXXX interest unfairly reducing the principal consumer disputes over charge payment i demanding 53rd bank readjust the payment and apply to principle only payment refund the unfair interest cost reported on the ledger and remove the XXXX undeserved late fee {$590.00} reflect the balance payoff XX/XX/XXXX XXXX XX/XX/XXXX allocated with XXXX $ XXXX {$400.00} = {$500.00} XX/XX/XXXX {$860.00} allocated XX/XX/XXXX {$630.00} XX/XX/XXXX {$650.00} XX/XX/XXXX {$630.00} XX/XX/XXXX XXXX {$01.00} XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX - {$640.00} 30 days XXXX contradicts XXXX payment to in the 10 day grace period XX/XX/XXXX {$650.00} XX/XX/XXXX $ XXXX XX/XX/XXXX {$640.00} - contradicts 30 day fauld XX/XX/XXXX $ XXXX containment XX/XX/XXXX {$710.00} extra curtailment XX/XX/XXXX {$400.00} curtialment XX/XX/XXXX {$700.00} -extra curtailment XX/XX/XXXX $ XXXXXXXX XXXX bank according to the inaccurate payment ledger {$700.00} applied to the loan XX/XX/XXXX {$700.00} total payment paid XX/XX/XXXX consumer total payment applied the month of XX/XX/XXXX curtailment payment totals = {$2300.00} Compliant of unauthorized unload deferment Consumer disputes with the CRA and complains to the CFPB letter correspondence sent to containment by XXXX XXXX XXXX on XXXX XXXX XXXX correspondences states the installment XX/XX/XXXX that installment after all the privous timely payments Auto balance according to fXXXX XXXX XXXX auto loan balance in XX/XX/XXXX installment auto balance was ( XXXX ) corespondents references XXXX {$600.00} XXXX {$600.00} XXXX {$600.00} if this investigation of unauthorized deferred are true this wouldve increased the installment loan by XXXX because XXXX XXXX XXXX has failed to provide the consumer with a itemized installment loan ledger consumer has been unable to determent had all or partially inflected harm to the consumer balance Due to the extensive inaccuracies reported in XX/XX/XXXX {$590.00} XX/XX/XXXX is placed on medical XXXX due to medical condition requires long term leave form work. XXXX XXXX XXXX was provided with the attached provideXXXX XXXX XXXX XXXX with the requested income change XX/XX/XXXX contradicts 60 day late $ XXXX allocated payment XXXX XX/XX/XXXX {$860.00} slit payment for XXXX XX/XX/XXXX ( FTI ) XX/XX/XXXX Provides change of income to XXXX XXXX XXXX Consumer questions XXXX XXXX XXXX about removing the late inquires to credit file due to the interest of wanting refinance. contradicts XXXX XXXX tell consumer that they dont refinance consumer states i could seek refinance with another bank institution if they would remove the inaccuarrate credit files from my report i had made all payment as agreed. fifth tjird bank failed to stop the reporting XX/XX/XXXX XXXX extra curtailment XX/XX/XXXX XXXX curtailment XX/XX/XXXX XXXX contradicts late payment XX/XX/XXXX {$600.00} extra curtailment XX/XX/XXXX {$630.00} extra curtailment XX/XX/XXXX {$610.00} extra curtailment XX/XX/XXXX $ XXXX extra curtailment contradicts 30 day late Consumer dispute late payments XX/XX/XXXX XXXX payment was advised to allocate payment to apply to early XX/XX/XXXX payment.
XX/XX/XXXX XXXX contradicts 30 day late payment was not late. requesting to remove late payments off credit file. apply payment to balance recalculate adjust lower the interest to principal and refund undeserved late fees. XXXX XX/XX/XXXX and XX/XX/XXXX - contradicts XXXX late payment payment were paid early and advised to allocate the XXXX payment to credit balances for both months {$600.00} XX/XX/XXXX {$650.00} contradicts the 30 day late payment that remainder curtailment of {$48.00} Consumer Complaint contradicts XXXX XXXX XXXX letter correspondences pf my request for Bank account unauthorized bank account i did not provide XXXX XXXX XXXX with authorized impression to open additional bank account of any kind the only business financially is the auto loan there no reason to open additional bak account with a bank out side of California consumer is a California resident fifth bank operates out of state of Ohio bank continues to harm the consumer subjected the consumer to what is believed to be identity theft XX/XX/XXXX {$600.00} contradicts the day reported payment XX/XX/XXXX {$700.00} contradicts the 60 day late payment XX/XX/XXXX {$600.00} XX/XX/XXXX $ XXXX payment contradicts the late payment Consumer compliant XXXX XXXX XXXX letter correspondence of 6 month auto loan deferrment installment loan deferrment XX/XX/XXXX XXXX XX/XX/XXXX consumer non refundable unfair over payment Charged XXXX times the loan amount t {$180.00} XXXX {$180.00} triple charged the interest rate of it was stated by the bank agent that refund was not option due to prior missed payment according to the consumer bank statement in unfair late fees ( XXXX x charge {$250.00} = {$500.00} late fee ) consumer unfairly charged XXXX interest rate on consumer over payment that was said could not be refunded due to delinquent installment payments however disputes that redactie according to consumer XXXX XXXX XXXX XXXX statements consumer was not late in XXXX so consumer had been over charged the installment payment XXXX + XXXX XXXX XXXX XXXX XXXX charged consumer XXXX high unfair interest {$770.00} {$770.00} {$770.00} XXXX consumer payment recycled back to the furnished in the form of over charged interest rate XX/XX/XXXX XXXX XX/XX/XXXX consumer invested to assistance to pay monthly installed an additional expenses needed the XXXX XXXX XXXX XXXX to remove the inaccurate late payments XX/XX/XXXX XXXX First payment intercepted on consumer XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XX/XX/XXXX when wells when XXXX dollar XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX consumer provided provided XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX installment loan reduced to from {$600.00} XXXX reduced payment due to medical consumer payments were up to date and was prior to accepting the COVID disability COVID-19 cares act assistance loan program XX/XX/XXXX reduced payment XXXX to XX/XX/XXXX XX/XX/XXXX {$300.00} contradicts XXXX XXXX XXXX XXXX late payment XX/XX/XXXX XXXX XXXX XXXX payment that does not provide decreases reduction in balance.
XX/XX/XXXX XXXX consumer attached proof of the new bank account number change that had been provided to XXXX XXXX XXXX agent important for future installment payments XX/XX/XXXX XXXX XXXX XX/XX/XXXX contradicts 30 days late XXXX contact XXXX XXXX XXXX with account updated to the new bank account new address and excepts the offer to continues care until XX/XX/XXXX consumer contridics 60 day late credit file consumer also provide the requested payment of {$570.00} thats was said needed to satidiffy XX/XX/XXXX and XX/XX/XXXX contradicts Consumer believes the distress in the auto XX/XX/XXXX consumer with every payment timely payment made on the installment had endured financial payment abuse consumer believes that XXXX XXXX had XXXX continued to harm consumer credit file despite the previous 4 years of requesting the furnisher to stop and remove the late reporting they did not support the consumer maintaining a health lending experience.
of timely and or arranged payment to the financier had been unfairly reported to the CRA Consumer provides keys elements and the harmful inaccuatre installments payments that lead to the unfiar auto loan charge off XX/XX/XXXX to the last year of installments XX/XX/XXXX contradicts XXXX late payment XXXX consumer contact XXXX XXXX back intercept payment XX/XX/XXXX first installment payment returned NSF XXXX XXXX XXXX inadvertently failed to update the XXXX consumer account information XXXX XXXX XXXX intercept on inaccurate date due the the consumer with XXXX unauthorized electronic bank fraud transaction already occured on the new bank account in less than unfair bank 60 days XX/XX/XXXX XXXX consumer contacts XXXX XXXX XXXX for payment processing no payment interpreted consuner bank account according despite of the unauthorized bank transactions ending balance {$1200.00} clearly enough funds to intercept consumer instsmeny payment XX/XX/XXXX payment then discovered it was told by the billing agent that XX/XX/XXXX inaccurately {$280.00} over charged consumer installment payment due to account payment mismanagement. The unfair issue was recognized by XXXX XXXX XXXX supervisor that apologized for the inadvertently mistake due to agent billing error consumer was according to the XX/XX/XXXX bank statement please see attached proof to all the adverse correspondence sent by mail that contradicts the consumer installments payments.
XX/XX/XXXX {$570.00} - bank error account mismanagement 30 day default XX/XX/XXXX please reference proof attached XXXX XXXX XXXX sends letter correspond stating that consumer XX/XX/XXXX payment returned unpaid consumer attached proof XXXX XXXX XXXX statement ( DOES NOT ) indicate a payment returned installment on XX/XX/XXXX bank statement contradicts that XXXX payments XXXX XXXX XXXX bank XX/XX/XXXX consumer payment {$570.00} and XX/XX/XXXX paid timely as agreed for XXXX XX/XX/XXXX {$350.00} XXXX XXXX mail sent falsified correspondence to consumer of providing payment NSF {$350.00} and payment returned unpaid consumer contradicts this false allegations fifth third bank is believed to have processes payment for third time of old bank acct, consumer has attached proof of this XXXX due to the inaccurate re unpaid this is not accurate according to XXXX XXXX bank statement no payment processed consumer account for payment XX/XX/XXXX consumer account does not have return payment according to consumer bank statements contradicts XX/XX/XXXX and XX/XX/XXXX both payments paid agreeable to the payment obligation to XXXX XXXX back and was asked by the supervisor to pay to reconcile prior months bank error payment consumer also disputes correspondence sent with inaccurate billing payment returned that also had consumer old address that had been updated to the telephone billing agent - XX/XX/XXXX consumer believes XXXX XXXX XXXX processed payment on closed account for the XXXX times since consumer updated the payment information XX/XX/XXXX XX/XX/XXXX consumer receives call from XXXX XXXX specialist about milage and details XX/XX/XXXX letter sent regarding current balance XXXX, XXXX and current XXXX XX/XX/XXXX {$570.00} paid as agreed contradicts 60 day late Consumer consumer compliant XXXX XXXX bank XX/XX/XXXX letter correspondence and its unauthorized debit card request XXXX pin number did not authorized by the consumer this is major concern due the thousands of dollars that had pleage the consumer XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX card since XXXX same time the consumer provided XXXX XXXX XXXX with the income change from the XXXX unemployment requested documentation and the interception to of installment payment accont information provided XXXX XXXX bank account information that shortly after providing the bank accounts information XX/XX/XXXX {$600.00} contradicts 60 day late XXXX consumer had received over XXXX unauthorized bank transactions during the XXXX and XXXX payment cycle making extremely difficult to make the installment loan payments causing other bill obligations to default contradictory due plague of electronic bank fraud that the consumer failed attempts to dispute XXXX times to consumer bank instructions that had been denied refund of funds while XXXX XXXX XXXX continued to XX/XX/XXXX contradicts 60 day late payment XXXX due to the hijacking of unauthorized electronic bank fraud interesting all there consumer bank accounts consumer had family member gift the consumer installment loan amount due XXXX consumer family member fifth installment loan payment in the amount of {$700.00} paid via website ( FYI ) consumer attached family XXXX XXXX XXXX XXXX XXXX statement along with letter signature of payment gifted to the consumer installment payment for XX/XX/XXXX XX/XX/XXXX {$590.00} contradicts 60 day late was contacted by XXXX XXXX XXXX claims that the reduced payment requested amount by the billing agent on XX/XX/XXXX. XXXX was not received The consumer received XXXX months of abusive telephone accusations that the requested reduced payment had not be received XX/XX/XXXX payment intercepted utilizing the XXXX federal bank account XX/XX/XXXX XXXX payment reported 60 days late contradicts consumer timely payment in addiomal to consumer XXXX installment payment thier XX/XX/XXXX consumer disputes XXXX XXXX XXXX the inaccurate late payment no paymnet received. XXXX believes XXXX XXXX bank XXXX payment Please see the consumer attached XXXX XXXX bank account statements shoe proof that the payment they claimed to had returned on XX/XX/XXXX has non payment was inaccurate XXXX XXXX bank ( did not ) intercept payment Consumer bank statement indicates contradicts XXXX XXXX false accusations of returned payment payment.
XX/XX/XXXX XXXX bank statement ending balance despite of the XXXX unauthorized electronic bank transactions contradicts balance payment deceitful XXXX XXXX XXXX did not intercepted payment scheduled XX/XX/XXXX the ending balance {$670.00} clearly would've paid the installment payment despite of the unauthorized electronic bank transaction that hand nearly cleared the consumer bank account to XXXX balance XX/XX/XXXX XXXX contradicts the 60 day late day late payment XXXX and XX/XX/XXXX mandated payment that caused the consumer financial hardship due to the double changed installment payment impacted other bills to fall behind in payments also the consumer had over XXXX XXXX charges unathorized in the same montXXXX XXXX XXXX requested doupble payment demanded to pay by end of day XXXX consumer was not aware of the electronic bank transactions was not aware until XX/XX/XXXX that the installment payment was not paid XX/XX/XXXX XXXX XX/XX/XXXX unfairly uncharged installment payment despite the provided ACH pinstallment payment Consumer contacted XXXX XXXX XXXX with installment payment XX/XX/XXXX {$600.00} according to the attached bank statement XX/XX/XXXX ending XXXX clearly enough funds to pay installment payment payment it wast until XX/XX/XXXX that the consumer relieved the XX/XX/XXXX payment never intercepted the consumer bank account for payment.
Consumer complaint unfair XX/XX/XXXX installment payments that lead up to the unfair auto loan charge off XX/XX/XXXX XXXX payment XXXX XXXX finance contacts consumer states {$2200.00} must be paid same day or my vehicle would be reprocessed stated and the payment would cover the missing payments and XXXX payment XX/XX/XXXX XXXX Consumer complaint unfair auto loan charge off XX/XX/XXXX XX/XX/XXXX Consumer installment returned to consumer bank account of NSF funds due the excessive unauthorized payments that hijacked the consumer installment payments the payment returned he consumer made a good effort payment to fully pay the finance extra XXXX curtailment to add to the late fees of the return payment write after the holidays though though dollars had been stolen from consumer bank account while ensuring installment payments were made XX/XX/XXXX refuced to make XXXX payment without itemized ledger XX/XX/XXXX payment {$600.00} contradicts 60 day late XX/XX/XXXX XXXX Consumer contacts XXXX XXXX XXXX XXXX resolution 's explained concern unfair XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX consumer 's Financial challenges greatly consumer request the consumer demands thorough investigation of XXXX XXXX Bank in accurate reporting unfair practices and unauthorized account activities they request removal of inaccurately reported late payments XXXX times correction of reported balances to match actual payments refund of unauthorized charges and unfair late fees resolution of identity theft concerns and removal of unauthorized transactions detail atomized Ledger of payments and allocation compensation for financial harm and distress cost please review this revised version and if there are additional details you'll like to meet include or changes you like for me to make feel free to let me know
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| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name XXXX XXXX AS OF XX/XX/XXXXXXXX I have reached out to XXXX AND TRANSUNION AND XXXX disputes department and I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent accounts and fraudulent inquiries would be removed from my consumer reports as of XX/XX/XXXXXXXX XXXX still hasnt removed the accounts that are associated with Fraud I sent over countless documents I was told by XXXX that they were doing an investigation. They never showed me the results of that investigation in the procedures in which they took during that investigation to validate or verify anything that Im disputing on my consumer report, they continue to report the fraudulent addresses, these fraudulent addresses they claim are connected to certain accounts again Im not able to receive any correspondence or mail at these addresses. I have sent over a copy of my photo ID, my Social Security card, my birth certificate multiple times AS I HAVE RECENTLY DISPUTED WITH this CREDIT REPORTING AGENCY AS OF XX/XX/XXXXXXXX I have sent over a CALIFORNIA STATE Attorney Generals report outlining all of the fraudulent accounts, the fraudulent addresses, the fraudulent inquiries about XXXX steel. They persist to report them in violation of the FCRA. They have not done a clear and conspicuous investigation. Also, I have sent a FTC complaint a XXXX complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts.15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX these are the many addresses that are fraudulently on my consumer reportsXXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX 15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft Prevention Act of XXXX. Section 326 of XXXX XXXX XXXX. Gramm-leach-Bliley Act To : Whom it may concern at XXXX You are in violation of the Fair Credit Reporting Act ( " FCRA '' ) The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) This is also a cease and desist of, the fraudulent accounts to being reported I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reportsXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX furnishing this information to my consumer report . I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reportsXXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, XXXX XXXX XXXXXXXX Social Security number privacy and identity Theft Prevention Act of XXXX. Section XXXX of XXXX XXXX. Gramm-leach-Bliley Act.with this account particularly XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX hAS been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. VIOLATION ) ( 15 U.S. Code 1681n - Civil liability for willful noncompliance ( XXXXXXXX XXXX XXXX acct XXXX XXXX XX/XX/XXXX amount {$400.00} ) -U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. ( VIOLATIONS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX 15 U.S.C 1692 section 602 A . States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. ( VIOLATIONS ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX 15 U.S.C 1681 Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ( VIOLATIONS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.1XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( VIOLATION ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reportsXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX U.S. Code 1601 - Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. ( VIOLATIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. ( VIOLATIONS ) 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; XXXX. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. XXXX. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer ( VIOLATION ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer XXXXXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Reinvestigations of disputed information XXXX XXXX XXXX Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( VIOLATIONS ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reportsXXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX ( 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; this is a violation by COMMITED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ( XXXX XXXX XXXX ( XXXX XXXX ( XXXX ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX
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| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile. Inquiries XXXX XX/XX/XXXX TransUnion I'm writing because there's an unauthorized inquiry on my credit report that I need removed. Can you please investigate and take care of this for me? Thirty days from now, I would also appreciate a full report on what was found during your investigation.
This unauthorized inquiry is making it difficult for me to obtain new credit.
XXXX XXXX XX/XX/XXXX TransUnion The credit report I received from you showed a few companies that are not familiar to me. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code, 15, U.S.C & 1681 es seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please have this inquiry removed from my credit file or forward me documentation ( physical proof ) that you have proven permissible purpose for this inquiry XXXX XXXX XX/XX/XXXX TransUnion The law states that you must give permission before someone accesses your personal information. This should never have happened without verification of an application for credit with the company in question. Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately.
XXXX XX/XX/XXXX TransUnion .I received a credit report from you that showed some companies that are unfamiliar to me. I believe they put an inquiry on my file without my knowledge, but this shouldn't be possible unless it was something approved by me first. According to the U.S.
Code, 15, U.S.C & 1681 es seq. Section 604, all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. If you can't provide proof that you had a permissible purpose for this inquiry, please have it removed from my credit file.
XXXX XX/XX/XXXX TransUnion I contacted the creditors who placed these unauthorized inquiries on my credit report and asked them to remove them and to cease their illegal activities. I also asked them to respond to my request, but to date there have been no responses from their office. More than 30 business days have passed since I sent the letter, and they have failed to respond or honor my request. So, I am asking for your help to resolve this matter. According to the Fair Credit Reporting Act, you are required to investigate this inquiry on my credit report to determine who authorized it. If, after your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy. If you find the inquiry to be valid, I would appreciate a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
XXXX XX/XX/XXXX TransUnion I checked my personal credit report, and I noticed that unauthorized inquiries have been made. I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
XXXX XXXX XXXX XX/XX/XXXX TransUnion I was not aware that companies were looking for my personal information. The inquiry on my credit report was not familiar to me, but it looks like the company did not get my permission before checking my credit score. This is not possible unless they have a permissible purpose according to U.S Code & 1681 es seq section 604, which states that all users must have a reason to check someone's credit score. Please remove this or send me documentation proving how this is allowed.
XXXX XXXX XXXXXX/XX/XXXX TransUnion According to my most recent credit report, this company is currently reporting to the credit bureaus that I applied for credit with their organization. I did not authorize this company to review my credit report and request my credit score. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from my credit report.
The presence of this inquiry is adversely affecting my credit score and is impeding my ability to obtain necessary credit. Time is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 1 of 5 of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.
XXXX XXXX XX/XX/XXXX TransUnion I am writing to you to ask that you remove the inquiries listed here from my credit report. I did not authorize any of these companies to view my credit history and they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). Please remove them immediately.
XXXX XX/XX/XXXX TransUnion I was shocked to think that someone might make an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see my credit information without my permission. The Fair Credit Reporting Act makes it clear that only people with the proper paperwork can see my credit information, so please provide these documents immediately or delete any potential inquiries related with this company.
XXXX XX/XX/XXXX TransUnion Some companies are looking for my personal information, and one of them showed up on my credit report. I'm not familiar with this company, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had a permissible purpose according to U.S Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly.
XXXX XXXX XXXXXX/XX/XXXX TransUnion Since I noticed unauthorized inquiries on my personal credit report, I contacted the creditors who placed them and asked them to remove them and to cease their illegal activities. To date, they have failed to respond or honor my request, so I am reaching out to you for help. According to the Fair Credit Reporting Act, I request that you immediately initiate an investigation into this inquiry on my credit report to determine who authorized it. If, after your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report. If you find the inquiry to be valid, I request that you send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
XXXX XXXX XX/XX/XXXX TransUnion I noticed some unauthorized credit inquiries on my credit report and I'm concerned that my privacy rights have been violated. I did not authorize anyone at these companies to make an inquiry into my credit report and I would like you to investigate this and provide me with any documentation you have with my signature. If these inquiries are found to be fraudulent, I would like them to be immediately deleted from my credit file.
XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I received a copy of my credit report and noticed that there were credit inquiries by companies that I don't recall authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file unless I have authorized it, so please remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiries.
XXXX XX/XX/XXXX TransUnion While checking my most recent credit report, I noticed credit inquiries that I did not authorize! I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act, and a serious breach of my privacy rights. Please verify and validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature. I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my social security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611.
XXXX XX/XX/XXXX TransUnion This is not right! I received a credit report from you and there are some companies that I'm unfamiliar with. Looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code 15 USC 1681e ( a ) Seg. 604 states that all users must have a permitted purpose under the Fair Reporting Act to obtain consumer reports. Please remove these inquiries or forward documentation proving they should be on my report.
XXXX XXXX XXXXXX/XX/XXXX TransUnion I received a credit report from you, and I noticed that there are some companies on it that I don't recognize. It looks like they put an inquiry on my file without my knowledge, but this shouldn't be possible unless it was something approved by me first.
According to the U.S. Code of Federal Regulations, Title 15, Chapter 16, Section 604, all users of credit reports must have a permitted purpose in order to obtain them. So, can you please remove these inquiries from my report or provide me with documentation proving that they should be on there?
XXXX XX/XX/XXXX TransUnion XXXX was really shocked when I found out that someone could do an unauthorized inquiry on my credit report. I can't believe that anyone would be able to see this information without permission from me first. The Fair Credit Reporting Act says that no one is allowed access to this information without the proper paperwork, so please provide these documents immediately or delete any potential inquiries related to this company.
XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 2 of 5 I received a copy of my credit report and noticed a credit inquiry from a company that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file without my authorization, so please remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiry.
XXXX XX/XX/XXXX TransUnion I am writing to request that you remove the inquiries listed on my credit report. I have not authorized any of the companies listed to view my credit history, and I believe that their inquiries are in violation of the Fair Credit Reporting Act. I would appreciate if you could remove these inquiries immediately.
XXXX XX/XX/XXXX TransUnion I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states no one may access your information without permission from YOU first so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of business venture through their company as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!
XXXX XXXX XXXXXX/XX/XXXX TransUnion .I didn't know that there were companies out there looking for my personal information. The company that appeared on my credit report was not one that I was familiar with, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had my permission to do so according to U.S Code & 1681 es seq section 604, which states that all users of my personal information must have a permissible purpose. Please remove this or send me documentation proving how this inquiry is permissible.
XXXX XXXXXX/XX/XXXX TransUnion I would like to formally request that the inquiries listed below be deleted from my credit report. I have not authorized these companies to view my credit history, so they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if these inquiries could be removed immediately.
XXXX XXXX XX/XX/XXXX TransUnion I just received my credit report and was shocked to find this inquiry on it. As you know, this is not something that should have been reported! The Fair Credit Reporting Act states that no one may access your information without permission from YOU first, so please provide me with proof of what reason they had giving them the right to do so by furnishing documentation containing signatures showing I indeed applied for a loan or line-of-business venture through their company, as well as any other relevant details. Im sure you will realize these inquiries shouldnt be on my credit after all!
XXXX XXXX XX/XX/XXXX TransUnion I've been trying to get a loan from my bank, but they keep telling me that I have too many inquiries on my credit report. So, I decided to dig a little deeper and found an unauthorized inquiry on my credit report. I'm writing to dispute this inquiry and to ask for their removal from my credit report. Please have this unapproved inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit.
XXXX XXXX XX/XX/XXXX TransUnion I received a copy of my credit report and noticed that there were unauthorized credit inquiries from companies that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file without my authorization, so I would appreciate it if you could remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiries.
XXXX XX/XX/XXXX TransUnion I recently discovered that someone has been looking into my credit file without my knowledge or consent. I believe this is in violation of the Fair Credit Reporting Act ( FCRA ), and I would like to see documentation proving that this investigation was conducted in compliance with FCRA guidelines. Please respond as soon as possible.
XXXX XXXX XX/XX/XXXX TransUnion! I was very disturbed to think that someone might be looking at my credit report without my permission. I can't believe that anyone would be able to see this information without my prior consent. The Fair Credit Reporting Act states that only those with a legitimate purpose can access credit report information, so please provide me with the documents that justify this inquiry immediately or delete any potential inquiries related with this company as soon as possible!
XXXX XXXX XX/XX/XXXX TransUnion I didn't know that companies could look for my information without my permission. The company on my credit report was unfamiliar to me, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they have a permissible purpose according to U.S Code & 1681 es seq section 604, which states that all users must have a permissible purpose when using consumer reports. Please remove this or send me documentation proving how we can use these types of inquiries accordingly.
XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I received a copy of my credit report and was shocked to find an alleged hard inquiry on it. As you know, this is not something that should have been reported and if so then why did they let it happen? The Fair Credit Reporting Act states no one may XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Page 3 of 5 access your information without permission from YOU first! Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.
XXXX XXXX XXXX XX/XX/XXXX TransUnion According to the Fair Credit Reporting Act, no one can access my credit without my permission in order to extend credit. Section 604 of the act states that all users must have a permissible purpose under the FCRA in order to obtain a consumer report. If the credit inquiries are not authorized, I challenge their reporting and request proof of permissible purpose. This should be documented with a credit application that includes my signature, confirming that I applied for credit with this company. If these conditions are not met, the inquiries should be deleted immediately.
XXXX XXXX XXXX XX/XX/XXXX TransUnion I received my credit report and was surprised to find an inquiry on it. As you know, this should not have been reported! The Fair Credit Reporting Act states that no one can access your information without your permission, so please provide me with proof of what reason they had for doing so by providing documentation containing signatures showing that I applied for a loan or line of business venture through their company, as well as any other relevant details. Im sure you will realize that these inquiries shouldnt be on my credit after all!
XXXX XXXX XX/XX/XXXX TransUnion .It seems that a few unfamiliar companies have put an inquiry on my credit report, but I'm not sure how they could have done that without my permission. The U.S. Code states that anyone who obtains a credit report must have a 'permissible purpose ' under the Fair Credit Reporting Act. Can you please remove this inquiry from my credit file, or provide me with documentation that shows you have a valid reason for making it?
Respectfully, You are not following the rules. I have listed all of my rights in this document so that they can be met accordingly, but it appears you do not care about fulfilling your obligations under Fair Credit Reporting Act ( FCRA ) or XXXXXXXX XXXX XXXX XXXXXXXX XXXX Please send your written response to my address of XXXX XXXX XXXXXXXX XXXX XXXX XXXX MO XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
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| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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On several dates I reached out to experience about collections thats appearing on my credit report THATS ARE NOT MINES they are deliberately ignoring me and I feel vulnerable 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee.
( i ) Medical Information.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy.
( j ) Definitions Relating to Child Support Obligations.
( 1 ) Overdue support.
The term overdue support has the meaning given to such term in section 666 ( e ) of title 42.
( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations.
( k ) Adverse Action.
( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.
( 2 ) Applicable findings, decisions, commentary, and orders.
For purposes of any determination of whether an action is an adverse action under paragraph ( 1 ) ( A ), all appropriate final findings, decisions, commentary, and orders issued under section 1691 ( d ) ( 6 ) of this title by the Bureau or any court shall apply.
( l ) Firm Offer of Credit or Insurance.The term firm offer of credit or insurance means any offer of credit or insurance to a consumer that will be honored if the consumer is determined, based on information in a consumer report on the consumer, to meet the specific criteria used to select the consumer for the offer, except that the offer may be further conditioned on one or more of the following : ( 1 ) The consumer being determined, based on information in the consumers application for the credit or insurance, to meet specific criteria bearing on credit worthiness or insurability, as applicable, that are established ( A ) before selection of the consumer for the offer; and ( B ) for the purpose of determining whether to extend credit or insurance pursuant to the offer.
( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability.
( 3 ) The consumer furnishing any collateral that is a requirement for the extension of the credit or insurance that was ( A ) established before selection of the consumer for the offer of credit or insurance; and ( B ) disclosed to the consumer in the offer of credit or insurance.
( m ) Credit or Insurance Transaction That Is Not Initiated by the Consumer.The term credit or insurance transaction that is not initiated by the consumer does not include the use of a consumer report by a person with which the consumer has an account or insurance policy, for purposes of ( 1 ) reviewing the account or insurance policy ; or ( 2 ) collecting the account.
( n ) State.
The term State means any State, the Commonwealth of Puerto Rico, the XXXX XXXX XXXX and any territory or possession of the United States.
( o ) Excluded Communications.A communication is described in this subsection if it is a communication ( 1 ) that, but for subsection ( d ) ( 2 ) ( D ), would be an investigative consumer report ; ( 2 ) that is made to a prospective employer for the purpose of ( A ) procuring an employee for the employer ; or ( B ) procuring an opportunity for a natural person to work for the employer ; ( 3 ) that is made by a person who regularly performs such procurement ; ( 4 ) that is not used by any person for any purpose other than a purpose described in subparagraph ( A ) or ( B ) of paragraph ( 2 ) ; and ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation ; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than 5 business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ).
( p ) Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumers credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ( 1 ) Public record information.
( 2 ) Credit account information from persons who furnish that information regularly and in the ordinary course of business.
( q ) Definitions Relating to Fraud Alerts.
( XXXX ) XXXX XXXX military consumer.The term XXXX XXXX military consumer means a consumer in military service who ( XXXX ) is on XXXX XXXX ( as defined in section XXXX ( d ) ( XXXX ) of title XXXX ) or is a XXXX performing duty under a XXXX XXXX XXXX XXXX XXXXXXXX XXXX under a provision of law referred to in section XXXX ( a ) ( XXXX ) of title XXXX ; and ( B ) is assigned to service away from the usual duty station of the consumer.
( 2 ) Fraud alert ; XXXX XXXX alert.The terms fraud alert and XXXX XXXX alert mean a statement in the file of a consumer that ( A ) notifies all prospective users of a consumer report relating to the consumer that the consumer may be a victim of fraud, including identity theft, or is an XXXX XXXX military consumer, as applicable ; and ( B ) is presented in a manner that facilitates a clear and conspicuous view of the statement described in subparagraph ( A ) by any person requesting such consumer report.
( 3 ) Identity theft.
The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation.
( 4 ) Identity theft report.The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.
( 5 ) New credit plan.
The term new credit plan means a new account under an open end credit plan ( as defined in section 1602 ( i ) 1 of this title ) or a new credit transaction not under an open end credit plan.
( r ) Credit and Debit Related Terms ( 1 ) Card issuer.The term card issuer means ( A ) a credit card issuer, in the case of a credit card ; and ( B ) a debit card issuer, in the case of a debit card.
( 2 ) Credit card.
The term credit card has the same meaning as in section 1602 of this title.
( 3 ) Debit card.
The term debit card means any card issued by a financial institution to a consumer for use in initiating an electronic fund transfer from the account of the consumer at such financial institution, for the purpose of transferring money between accounts or obtaining money, property, labor, or services.
( 4 ) Account and electronic fund transfer.
The terms account and electronic fund transfer have the same meanings as in section 1693a of this title.
( 5 ) Credit and creditor.
The terms credit and creditor have the same meanings as in section 1691a of this title.
( s ) Federal Banking Agency.
The term Federal banking agency has the same meaning as in section 1813 of title 12.
( t ) Financial Institution.
The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.
( u ) Reseller.The term reseller means a consumer reporting agency
that ( 1 ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( 2 ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. ( v ) Commission. The term Commission means the Bureau. [ 3 ] ( w ) The term Bureau means the Bureau of Consumer Financial Protection.
( x ) Nationwide Specialty Consumer Reporting Agency.The term nationwide specialty consumer reporting agency means a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis relating to ( 1 ) medical records or payments ; ( 2 ) residential or tenant history ; ( 3 ) check writing history ; ( 4 ) employment history; or ( 5 ) insurance claims.
( y ) Exclusion of Certain Communications for Employee Investigations.
( 1 ) Communications described in this subsection.A communication is described in this subsection if ( A ) but for subsection ( d ) ( 2 ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 1681f of this title.
( 2 ) Subsequent disclosure.
After taking any adverse action based in whole or in part on a communication described in paragraph ( 1 ), the employer shall disclose to the consumer a summary containing the nature and substance of the communication upon which the adverse action is based, except that the sources of information acquired solely for use in preparing what would be but for subsection ( d ) ( 2 ) ( D ) an investigative consumer report need not be disclosed.
( 3 ) Self-regulatory organization defined.
For purposes of this subsection, the term self-regulatory organization includes any self-regulatory organization ( as defined in section 78c ( a ) ( 26 ) of this title ), any entity established under title I of the Sarbanes-Oxley Act of XXXX [ 15 U.S.C. 7211 et seq. ], any board of trade designated by the Commodity Futures Trading Commission, and any futures association registered with such Commission.
( z ) Veteran.
The term veteran has the meaning given the term in section 101 of title 38.
( aa ) Veterans Medical Debt.The term veterans medical debt ( 1 ) means a medical collection debt of a veteran owed to a non-Department of Veterans Affairs health care provider that was submitted to the Department for payment for health care authorized by the Department of Veterans Affairs ; and ( 2 ) includes medical collection debt that the Department of Veterans Affairs has wrongfully charged a veteran.
( Pub. L. 90321, title VI, 603, as added Pub. L. 91508, title VI, 601, XXXX XXXX, XXXX, 84 Stat. 1128 ; amended Pub. L. 102537, 2 ( b ), XXXX XXXX, XXXX, 106 Stat. 3531 ; Pub. L. 104208, div. A, title II, 2402, XXXX XXXX, XXXX, 110 Stat. 3009426 ; Pub. L. 105347, 6 ( 1 ) ( 3 ), XXXX XXXX, XXXX, 112 Stat. 3211 ; Pub. L. 108159, title I, 111, title II, 214 ( c ) ( 1 ), title IV, 411 ( b ), ( c ), title VI, 611, XXXX XXXX, XXXX, 117 Stat. XXXX, XXXX, XXXX, XXXX ; Pub. L. 111203, title X, 1088 ( a ) ( 1 ), ( 2 ) ( A ), ( C ), ( 3 ), XX/XX/XXXX, 124 Stat. 2086, 2087 ; Pub. L. 115174, title III, 302 ( b ) ( 1 ), XX/XX/XXXX, 132 Stat. 1333. )
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| 10/22/2023 |
Yes |
- Vehicle loan or lease
- Loan
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My information was used without me knowing case of identity theft. XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) DiSCloSUReS to ConSUmeRS inFoRmAtion AvAilAble to viCtimS ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/2003. ( XXXX ) Effectiveness study. Not later than 18 months after XX/XX/2003, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
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XXXXXXXX XXXX XXXX XXXX XXXX has been reporting my information to non-affiliate 3rd party without providing with the required disclosures. Which is a violation of the Privacy Act of 1974 and 15 U.S.C 6801. Per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization that I as the consumer may have given you, written, unwritten, verbal and nonverbal per 15 usc 6802.
15 U.S.C 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other ( e ) General exceptions Subsections ( a ) and ( b ) of this section shall not prohibit the disclosure of nonpublic personal information -- ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with -- ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumer 's account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institution 's records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institution 's compliance with industry standards, and the institution 's attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C.A. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection 1 a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of Title 31, and chapter 2 of Title I of Public Law 91-508 ( 12 U.S.C. 1951-1959 ), a State insurance authority, or the Federal Trade Commission ) , self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C.A. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S.C. 6803 - U.S. Code - Unannotated Title 15. Commerce and Trade 6803. Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution 's policies and practices with respect to -- ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations Disclosures required by subsection ( a ) of this section shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) Information to be included The disclosure required by subsection ( a ) of this section shall include -- ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including -- ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) of this section do not apply to any person, to the extent that the person is -- ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.
( XXXX ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX.
( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.
( 2 ) Format A model form developed under paragraph ( 1 ) shall -- ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.
( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX.
( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.
( f ) Exception to annual notice requirement A financial institution that -- ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).
15 U.S.C. 6804 - U.S. Code - Unannotated Title 15. Commerce and Trade 6804. Rulemaking ( a ) Regulatory authority ( 1 ) Rulemaking ( A ) In general Except as provided in subparagraph ( C ), the Bureau of Consumer Financial Protection and the Securities and Exchange Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to their respective jurisdiction under section 6805 of this title ( and notwithstanding subtitle B of the Consumer Financial Protection Act of 2010 ), except that the Bureau of Consumer Financial Protection shall not have authority to prescribe regulations with respect to the standards under section 6801 of this title.
( B ) CFTC The Commodity Futures Trading Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to financial institutions and other persons subject to the jurisdiction of the Commodity Futures Trading Commission under section 7b-2 of Title 7.
( C ) Federal Trade Commission authority Notwithstanding the authority of the Bureau of Consumer Financial Protection under subparagraph ( A ), the Federal Trade Commission shall have authority to prescribe such regulations as may be necessary to carry out the purposes of this subchapter with respect to any financial institution that is a person described in section 5519 ( a ) of Title 12.
( D ) Rule of construction Nothing in this paragraph shall be construed to alter, affect, or otherwise limit the authority of a State insurance authority to adopt regulations to carry out this subchapter.
( 2 ) Coordination, consistency, and comparability Each of the agencies authorized under paragraph ( 1 ) to prescribe regulations shall consult and coordinate with the other such agencies and, as appropriate, and with 1 representatives of State insurance authorities designated by the National Association of Insurance Commissioners, for the purpose of assuring, to the extent possible, that the regulations prescribed by each such agency are consistent and comparable with the regulations prescribed by the other such agencies.
( 3 ) Procedures and deadline Such regulations shall be prescribed in accordance with applicable requirements of Title 5.
( b ) Authority to grant exceptions The regulations prescribed
under subsection ( a ) of this section may include such additional exceptions to subsections ( a ) through ( d ) of section 6802 of this title as are deemed consistent with the purposes of this subchapter.
15 U.S.C. 6805 - U.S. Code - Unannotated Title 15. Commerce and Trade 6805. Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010, this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of Title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of Title 12, in the case of -- ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C.A. 601 et seq. or 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C.A. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.
( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C.A. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.
( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C.A. 80a-1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.
( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C.A. 80b-1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.
( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.
( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C.A. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.
( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010, by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.
( b ) section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, of this section shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p-1 ( a ) of Title 12 are implemented pursuant to such section.
( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) of this section shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ) of this section.
( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of Title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of Title 12.
( d ) Definitions The terms used in subsection ( a ) ( 1 ) of this section that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of Title 12 shall have the same meaning as given in section 3101 of Title 12.
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| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : XXXX'I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I paid off this account but its still showing that I owe a balance.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. ''. I don't agree with the results of your investigation.
Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language.
Dear XXXX, I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I previously disputed this account and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete any negative information in this account immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry stating : ''I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof that this lender was authorized to make this inquiry, or delete this inquiry.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
Inquiry from XXXX on XX/XX/XXXX.
I previously disputed this inquiry and don't agree with your claim that it's frivolous. I personally created and mailed the letter and I provided the reason for my dispute in simple language. You had 30 days to investigate my dispute and it wasn't done. Please delete this inquiry immediately.
|
| 09/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
|
|
- ALSO KNOWN AS : XXXX XXXXXXXX XXXX .. XXXX XXXX ***************************************************************************************************** REMOVE the display reported ALSO KNOWN AS ( XXXX ) of and and as my REQUISITE REPORTED CURRENT CORRECT COMPLETE FIRST & LAST NAME is XXXX XXXX XXXX I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
XXXX XXXX ***************************************************************************************************** CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX REMOVE the display reported CURRENT ADDRESS ( s ) of and REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
***************************************************************************************************** PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Updated : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Updated : XX/XX/XXXX Personal Information - PREVIOUS ADDRESS : XXXX TransUnion XXXX XXXX XXXX : Personal Information / Summary / Account History -XXXX XXXX XXXXXXXX XXXX I I XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX Updated XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX ***************************************************************************************************** REMOVE the display reported PREVIOUS ADDRESS ( s ) of and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Updated : XXXX XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX and as my REQUISITE REPORTED CURRENT CORRECT COMPLETE Current Address is XXXX XXXX XXXX XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
***************************************************************************************************** EMPLOYER : XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX XXXXDate Updated : XX/XX/XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX XXXX Quick Links : Personal Information / Summary / Account History XXXX XXXX XXXXXXXX Personal Information XXXX EMPLOYER : XXXX TransUnion XXXX REMOVE the displayed reported EMPLOYER ( XXXX ) of XXXX XXXX XXXX XXXX XXXX Updated : COMPANYDate Updated : COMPANYDate Updated : XX/XX/XXXX I XX/XX/XXXX I XXXX XXXX XXXX Updated : XX/XX/XXXX XX/XX/XXXX I ***************************************************************************************************** and XXXX XXXX Page 2 of 9 COMPANYDate Updated : XX/XX/XXXX XXXX XXXX XXXX Updated : XX/XX/XXXX and as I do NOT HAVE any REQUISITE REPORTED CURRENT nor PREVIOUS EMPLOYER ( s ) .I DO NOT AUTHORIZE you to retain nor report any personal identifier data of which is not EACH of being VERIFIABLE, TRUE, CORRECT, COMPLETE, TIMELY, or elsewise documented VALIDATED, so do NOT!
***************************************************************************************************** DATE OF BIRTH : XXXX XXXX XXXX Personal Information TransUnion XXXX Quick Links : Personal Information / Summary / Account History -XXXX XXXX XXXX XXXX DATE OF BIRTH : .. XXXX .. ***************************************************************************************************** ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> XXXX..
XXXX..
REMOVE the display reported DATE OF BIRTH ( XXXX ) of XXXX and XXXX and XXXX as my REQUISITE REPORTED CURRENT CORRECT COMPLETE DATE OF BIRTH : is XX/XX/XXXX. I DO NOT AUTHORIZE you to retain nor report any not proven true correct valid and required reported personal identifier information that is not in exact agreement with my submitted FACTUALLY CORRECT CURRENT PERSONAL IDENTIFIERS as indicated.
CREDITOR NAME XXXX XXXX Inquiries XXXX Creditor Name XXXX XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXXXXXX Credit Bureau XXXXXXXX XXXX XXXXXXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> CREDITOR NAME XXXX - XXXX Inquiries XXXX Creditor Name XXXX - XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX Date of inquiry XXXX Credit Bureau XXXX INQ XXXX XXXX XX/XX/XXXX Q Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose XXXX Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> CREDITOR NAME XXXX Inquiries XXXX Creditor Name XXXX XXXX INQUIRY DATE XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXXXXXX Credit Bureau XXXXXXXX XXXX XXXXXXXX XXXX Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> CREDITOR NAME INQUIRY DATE XXXX XXXX XX/XX/XXXX Page 3 of 9 Inquiries XXXX Creditor Name XXXX Date of inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX Q Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose ***************************************************************************************************** XXXX Credit Bureau XXXXXXXX XXXX XXXXXXXX XXXX Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> CREDITOR NAME XXXX XXXX Inquiries XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX Please utilize the following KEY to explain markings on the images of below-shown items being contested : * means REQUIRED ALWAYS ^ Required If Applies ~Industry-Specific Required BSCF Base Segment Character Format HRCF Header Record ... XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment XXXX XXXX Segment TRCF Trailer Record ... HRPF Header Record Packed Format BSPF Base Segment Packed Format TRPF Trailer Record Packed Format XXXX Data Furnisher # XXXX XXXX Data Furnisher # XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Missing but Required Reported XXXX Potential Error XXXX Inconsistent XXXX Not Available or Deceptive Q Questionable-conditioned? Questionable Mathematically D Deviant from standards U Unconfirmed or Uncertified Compliant Attack + Do Not Attack XXXX Mixed XXXX XXXX CRRG Credit Reporting Resource Guide FCRA Fair Credit Reporting Act ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> XXXX Account # : XXXX XXXX XXXX
INQUIRY DATE XX/XX/XXXX XXXX Date of inquiry XXXX Credit Bureau XXXX INQ XXXX XXXX XX/XX/XXXX Q Delete this unconfirmed inquiry lacking certifiable evidence of lawful permissible purpose XXXX XXXX XXXX XXXX XXXX XXXX..
XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX?
XXXX Q?
XXXX XXXX XXXX : XXXX {$1400.00} XXXX {$1400.00} XXXX {$0.00} XXXX XXXX Last Verified : XXXX XX/XX/XXXX..
XXXX XXXX XXXX XXXX XXXXXXXX Date of Last Activity : XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Reported : XXXX XX/XX/XXXX I XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Date Opened : XXXX XX/XX/XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : .. {$700.00}..
{$700.00}..
{$700.00}..
XXXX Closed Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Rating : .. XXXX..
Open..
Open..
XXXX, XXXX, XXXX Account Individual.. Individual.. Individual.. Description :..
XXXX Dispute Status : .. Account not disputed..
Account not disputed..
Account not disputed..
Page XXXX of XXXX - Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : .. Open..
Open..
Open..
XXXX Payment Status : .. Current .. Current .. Current..
XXXX Creditor Remarks : D Dispute resolved; reported by XXXX XXXX Account was in dispute - now resolved - reported by subscriber.
XXXX Credit card Amount in XXXX column is credit limit XXXX XXXX Payment Amount : .. {$35.00} .. {$35.00} .. {$35.00}..
XXXX Last Payment : D XX/XX/XXXX I XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Term Length : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Past Due Amount : Q {$0.00}..
XXXX Two-Year payment history TransUnion XXXX XXXX XXXX XXXX ALLEGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note this is a discontinuance of reporting request. Please attest by document demonstration the confirmation of the above claims certitude of all facts alleged to have been physically verified and validated even to every notation, all dates and balances, any compliance condition code ( s ), and or any aspect ( s ) for any necessary metro 2 compliance segment and field ( s ). This claim as reported, as displayed hints to at least the following compliance-based issues.
XXXX Date of Last Activity : D deviates from the Standard ( XXXX ) of lawful reporting XXXX Date Opened : XXXX deviates from the Standard ( XXXX ) of lawful reporting XXXX Date Opened : XXXX deviates from the Standard ( XXXX ) of lawful reporting ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> XXXX XXXX XXXX XXXX XXXX XXXXXXXX..
XXXX XXXX XXXX Account # : XXXX XXXX XXXX
{$0.00}..
{$0.00}..
XXXX Account Type : .. Credit Card XXXX Credit Card .. Credit Card..
XXXX Payment Frequency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Limit : .. {$1000.00} .. {$1000.00} .. {$1000.00}..
TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX?
XXXXXXXX XXXX
XXXX XXXX XXXX : XXXX {$180.00} XXXX {$180.00} XXXX {$500.00} XXXX XXXX Last Verified : XXXX XX/XX/XXXX..
XXXX XXXX XXXX XXXX XXXXXXXX Date of Last Activity : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XXXX XX/XX/XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX Page XXXX of XXXX XXXX Balance Owed : .. {$0.00}..
{$0.00}..
{$0.00}..
XXXX Closed Date : XXXX XXXXXXXX .. -- XXXX XXXX XXXX XXXX Account Rating :.. Paid..
Paid..
Paid..
XXXX, XXXX, XXXX Account Individual.. Individual.. Individual.. Description :..
XXXX Dispute Status : .. Account not disputed..
Account not disputed..
Account not disputed..
- Creditor Type : D Bank E Retail, Not Elsewhere Classified E Personal Loan Companies XXXX XXXX Account Status : .. Closed..
Closed..
Closed..
XXXX Payment Status : .. Current .. Current .. Current..
XXXX Creditor Remarks : XXXX Canceled by XXXX XXXX XXXX Account has been closed due to inactivity.
XXXX Closed or paid account/XXXX balance Accounts closed by XXXX XXXX XXXX XXXX Payment Amount : .. {$0.00} .. {$0.00} .. {$0.00}..
XXXX Last Payment : D XX/XX/XXXX I XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Term Length : D -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX Past Due Amount : Q {$0.00}..
{$0.00}..
{$0.00}..
XXXX Account Type : Q Charge account Q Charge account XXXX XXXX XXXX XXXXXXXX Payment Frequency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Limit : U {$500.00} .. {$500.00} .. -- M XXXX Two-Year payment history TransUnion XXXX XXXX XXXX XXXX ALLEGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note this is a discontinuance of reporting request. Please attest by document demonstration the confirmation of the above claims certitude of all facts alleged to have been physically verified and validated even to every notation, all dates and balances, any compliance condition code ( s ), and or any aspect ( s ) for any necessary metro 2 compliance segment and field ( s ). This claim as reported, as displayed hints to at least the following compliance-based issues.
XXXX Last Verified : XXXX deviates from the Standard ( XXXX ) of lawful reporting XXXX Date of Last Activity : D deviates from the Standard ( XXXX ) of lawful reporting XXXX Last Verified : XXXX deviates from the Standard ( XXXX ) of lawful reporting ***************************************************************************************************** Please Remove from reporting all unfavorable claims of and within this item here now officially challenged for documented confirmation of its certified compliance==> XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX TransUnion XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX? XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Page XXXX of XXXX XXXX High Balance : XXXX {$6300.00} XXXX {$6300.00} XXXX {$5300.00} XXXX XXXX Last Verified : XXXX XX/XX/XXXX..
XXXX XXXX XXXX XXXX XXXXXXXX Date of Last Activity XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Date Opened : XXXX XX/XX/XXXX I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX Balance Owed : .. {$0.00}..
{$0.00}..
{$0.00}..
XXXX Closed Date : D XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Rating :.. Paid..
Paid..
Paid..
XXXX, XXXX, XXXX Account Individual.. Individual.. Individual.. Description :..
XXXX Dispute Status : .. Account not disputed..
Account not disputed..
Account not disputed..
- Creditor Type : D Finance/Personal XXXX XXXX XXXX XXXX Sales Financing XXXX XXXX Account Status : .. Closed..
Closed..
Closed..
XXXX Payment Status : .. XXXX .. XXXX .. XXXX..
XXXX Creditor Remarks : XXXX Canceled by XXXX XXXX XXXX Account has been closed due to inactivity.
XXXX Closed or paid account/XXXX balance Accounts closed by XXXX XXXX XXXX XXXX Payment Amount : .. {$0.00} .. {$0.00} .. {$0.00}..
XXXX Last Payment : D XX/XX/XXXX I XX/XX/XXXX I XX/XX/XXXX XXXX XXXX Term Length : D -- XXXX XXXX XXXX XXXX XXXX XXXXXXXX Past Due Amount : Q {$0.00}..
{$0.00}..
{$0.00}..
XXXX Account Type : Q Charge account Q Charge account Q -- XXXX XXXXXXXX Payment Frequency : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Limit : XXXX {$5300.00} .. {$5300.00} .. XXXX XXXX XXXX Two-Year payment history TransUnion XXXX XXXX XXXX XXXX ALLEGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Note this is a discontinuance of reporting request. Please attest by document demonstration the confirmation of the above claims certitude of all facts alleged to have been physically verified and validated even to every notation, all dates and balances, any compliance condition code ( s ), and or any aspect ( s ) for any necessary metro 2 compliance segment and field ( s ). This claim as reported, as displayed hints to at least the following compliance-based issues.
XXXX Date Reported : XXXX deviates from the Standard ( XXXX ) of lawful reporting XXXX Date Opened : XXXX deviates from the Standard ( XXXX ) of lawful reporting XXXX Payment Frequency : D deviates from the Standard ( XXXX ) of lawful reporting ***************************************************************************************************** As currently reported, any and all included indicated contested item ( s ) within this official written consumer complaint contesting your conditional privilege to reportsuch derogatoriness, have/has too many inconsistencies and or deficiencies for me ( NOR ANYONE for that matter ) to ascertain its legitimacy and I demand PHYSICALLY VERIFIABLE Page 7 of 9 DOCUMENTED EVIDENCE of absolute VALIDITY of claim and ADDITIONALLY I enact my consumer right ( s ) to call for a FULL CHECK for true, correct, and complete COMPLIANT REPORTING and I here now declare in CHALLENGE rejecting your reporting if the FACTUAL CERTIFICATION is not substantiated and or is MISSING and or DEFICIENT. Let me remind you that at maximum you have 5 calendar days to comply and provide a written notice of the suspension of this item pending the resolution of the investigation action or face litigation. Here now and forever annul any and all account records of derogatory, adversary, or else wise deficient of proof of full of reporting compliance ( be it FCBA, FCRA, FDCPA, Metro 2 Format Compliance, or else whether mentioned or not ) claims or aspects of claims associated. Per FCRA all claims SHALL BE OF A MAXIMUM POSSIBLE ACCURACY and of a MAXIMUM POSSIBLE COMPLETION, and for any specific account type the regulation states exactly that furnishers are governed by the FURNISHER RULE ( Regulation V promulgated by the CFPB under the FCRA ), which requires furnishers to : ( 1 ) furnish information that is accurate and complete, and ( 2 ) investigate consumer disputes about the accuracy of information they provide. Per CRRG, any claim of lawful reporting must adhere to the certifiably compliant standards of the Metro 2 format, the minimal universally applicable requisite standards include at least the following Metro 2 Compliant Segments and Fields and potentially significantly more depending on a claims reporters Industry type and or applicable circumstances, be them mentioned here or not. Of those, included are XXXX Activity Date, XXXX Date XXXX, XXXX Reporter Name, XXXX Reporter Address, XXXX Consumer Account Number, XXXX Portfolio Type, XXXX Account Type, XXXX Date Opened, XXXX Highest Credit or Original Loan Amount, XXXX Terms Duration, XXXX Account Status, XXXX Payment History Profile, XXXX Current Balance, XXXX Date of Account Information, XXXX ( if applies ) FCRA Compliance/ Date of First Delinquency, XXXX ( XXXX applies ) Date Closed, XXXX ( if applies ) Date of Last Payment, XXXX Surname, XXXX First Name, XXXX Social Security Number, XXXX Date of Birth, XXXX ECOA Code ( aka Bureau Code ), XXXX First Line of Address, XXXX City, XXXX STATE, XXXX Postal/Zip Code, and XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX and XXXX and XXXX EACH OF WHICH is a UNIVERSALLY REQUIRED REPORTED DATA, and per XXXX XXXX XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data therefore any omissions and or inconsistencies and or inaccuracies related to the mandatory STANDARD of reporting claims asserts potentially unconfirmed claims can not truly be of a federally regulated requisite of being with a MAXIMUM POSSIBLE ACCURACY and COMPLETION! Any continued reporting of claims contested despite potential deficiencies of this requisite perfect standard of reporting goes to demonstrate your willful if not in ignorance non-compliance and unlawful disregard of my consumer rights. I here now denounce your privilege to report versus me in an injurious manner not confirmed ( confirmable ) to be ethical and of adequate regulations and or standards of certified compliant reporting.
Professionally and In Genuine Sincerity I close, My Name is : XXXX XXXX *Note any potentially included documents for support of my notice including any submitted images of personal identifier proofs!
Page 8 of 9 Page 9 of 9
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| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American |
|
RE : Serious Organized Criminal Acts, Violations of Federal Laws, XXXX Discrimnatory & maliciously took my more than 5 time asset.
XXXXXXXXXXXX XXXX has corrupted, criminally keep trying to destroy me and my family for past XXXX.
XXXX. I have been receiving repeated so many new threats, rude, harrassing, false claim collections phone calls already paid amounts during the Bankruptcy caused by XXXXXXXX XXXX ( XXXX ), which never claimed it before by the XXXX Bank. It is a violation of the Laws of the U.S. Federal Bankruptcy Court, Federal Banking Law, and committing serious crimes. No one is ever responding or answering any of my phone calls. XXXXXXXX XXXX has never sent correct statements, or bills.
A. My Line of Credit account statement suddenly showing total amount is {$17000.00} and {$44000.00}.
a. My credit line of line of credit has been {$30000.00} for 15 years. I have never late or missed any single payment for the past 15 years.
b. I have never asked XXXXXXXX XXXX to increase the credit line, nor XXXXXXXX XXXX asked me increase {$10000.00} credit line especially during the bankruptcy criminally, illegally created and caused by XXXXXXXX XXXX.
c. I have been paying all the property taxes, insurances and other for the past XXXX on my properties.
d. I have never asked XXXXXXXX XXXX {$10000.00} nor XXXXXXXX XXXX offered me {$10000.00} during the bankruptcy. As you can see XXXXXXXX XXXX has been trying to take more money from me illegally, harassing, making me miserable, and destroy me for XXXX to cover up the malicious, illegally, criminally, falsely, and corrupted taking my {$3.00} XXXX properties and repeated XXXX discrimnatory serious crimes. XXXXXXXX XXXX never gave me {$10000.00}, or cant claim {$10000.00} during the bankruptcy.
e. XXXXXXXX XXXX suddenly set up escrow account criminally and asking me to pay the payments for my line of credit account of {$30000.00}. Past XXXX, I have never paid any escrow account payment. There was no escrow account from the beginning. Setting up any escrow account without asking me of my line of credit account.
f. XXXXXXXX XXXX never paid any insurance of property taxes especially criminally caused and created by XXXXXXXX XXXX
g. I have been paying all the insurance and taxes by myself all the time for the past XXXX years.
h. I spoke to managers and bankers of local XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Ohio, XXXX at XXXX XXXX and many other times. Managers have been repeatedly telling me that it is absolutely wrong and illegal setting up escrow account for {$30000.00} line of credit.
i. XXXXXXXX XXXX is the main mortgage account holder of my home loan of {$150000.00} and set up my escrow account.
j. I paid off the total XXXXXXXX XXXX mortgage amount of {$180000.00}, in spite of my repeated request to remove the lien of {$180000.00}, didnt clear the paid {$180000.00} my mortgage lien for the past 18 years illegally and criminally. I have paid the payment two ( 2 ) times higher interests and paid {$20000.00} more payment over the 15 years to the XXXX XXXX
XXXX XXXXXXXX XXXX illegally has been claiming already paid amount of {$180000.00} again and again for the paid mortgage XXXX ago, even several times criminally to the Federal Bankruptcy Court during the Bankruptcy.
XXXX XXXXXXXX XXXX must remove the lien on my property or reduce to {$30000.00}, and shouldnt claim falsely, illegally, criminally, and discrimnatory with corruption.
m. I have never missed, or late any payments for the past XXXX this account, but XXXXXXXX XXXX has been claiming falsely, criminally reporting delinquent of my payments, late fees, and interests to the XXXX Credit Bureaus XXXX and keep lowing my credit scores all the way to the bottom. It is serious federal crimes and abuse of senior citizens.
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXX Bank XXXX Department and XXXX Department are trying to collect more money already paid by Federal Bankruptcy Court and criminally took my properties. I had to spent 1-2 hours each time. It is against laws : Federal Bankruptcy, Violation of Collection Laws., They are from all different department and collection Companies, collection law firms.
Threatening innocent Senior citizens criminally, XXXX XXXX was telling me to listen to him and pay it.
XXXXXXXX XXXX collection and credit department has been calling me 5-6 times every day and has been asking me to pay escrow account of insurance and tax payment total {$17000.00} and {$4100.00}. I have been paying my taxes and insurance premiums for the past XXXX.
I have not received correct bill/statement for the payment since XXXX, XXXX and XXXX of XXXX despite of my request of correct amount and the correct statement. XXXXXXXX XXXX has been continually threatening, and harrassing me every day without any correction or correcting statement make me every time spending hours on the phone from different offices and different people.
o. XXXXXXXX XXXX ask me to contact Escrow department or legal Department of XXXXXXXX XXXX, but they have never taken any of my phone calls.
XXXX XXXXXXXX XXXX has committed serious malicious XXXX discrimnatory, crimes to destroy me, my family, innocent senior citizens and my family for the past XXXX.
XXXX. XXXXXXXX XXXX has already committed serious malicious XXXX discrimnatory and financial terror crimes taking my lifeline of money over {$35.00} XXXX criminally.
a. My total loan balance was only {$520000.00} and paid without any problems for the past XXXX.
XXXX XXXXXXXX XXXX vice president XXXX XXXX blocked me from paying off my entire loan payments with corruption of his friend, XXXX XXXX XXXX, retired XXXX. XXXX XXXX asked me to use him to pay off the loan, XXXX I already had XXXX landers wanted to pay off my entire loan amount. XXXX XXXX didnt allow me to pay off the entire loan to the XXXXXXXX XXXX XXXX These criminal acts of XXXX XXXX internal crime involved XXXX XXXX, XXXX XXXX, and XXXX XXXX, and many other officers.
XXXX. My repeated requests of internal investigation of illegal Corruption, XXXX Discriminatory illegal banking, attacks, malicious criminal business practice, malfunctioning, irreparable, outdated, malfunctioning, not generating confirmation code for the paid payments and faulty computer system and knowingly charging again and again late fees, already paid amounts.
a. I investigated XXXXXXXX XXXX malfunctioning computer banking system, and criminally charging illegal fees. Because all of the bankers, employees denying the faulty system.
b. The top manager of XXXXXXXX XXXX XXXX banking system and top Bank management officers well aware of their malfunctioning computer system. The XXXXXXXX XXXX computer system has never generated any confirmation code or track the payment for years at the time.
c. The top manager notified me that the XXXXXXXX XXXX XXXXXXXX banking system was so outdated, irreparable, or unfixable. XXXXXXXX XXXX must purchase a new system.
d. But XXXX Bank XXXX not have enough money to buy a new system and the XXXX Bank XXXX bankrupt.
XXXX XXXX XXXX and other XXXX Bank managers denied the malfunctioning their system and they have charged me {$100.00} fees each time already paid my loan payments. I have never paid late or missed any single payment for over XXXX at the time and my XXXX XXXX was XXXX.
XXXX. Thats why XXXX Bank accused me illegally, maliciously, racially Discriminatorily targeted me and taking more than XXXX times lifesaving assets than my total loan amount of {$520000.00}. I lost more than {$3.00} XXXX and serious damages by XXXX Banks XXXX XXXX Bank ) illegal acts.
XXXX. No other people knew or complaining about their computer malfunctioning bank system and corruption.
I have never had any problems with XXXX XXXX Bank for the past XXXX, and any other banks, my XXXX XXXX was XXXX.
XXXX. XXXX Bank did not release the XXXX Bank customers lien at XXXX XXXX XXXX XXXX already paid loan payments of so many their clients.
XXXX XXXX Bank has claimed XXXX ago paid entire my home loan payments repeatedly many times b. During the bankruptcy repeatedly claimed {$180000.00} and my bankruptcy attorneys didnt know about that and I had to tell the Bankruptcy court to correct it again and again.
XXXX XXXX XXXX XXXX Bank didnt clear my lien XXXX paid amount.
XXXX Because XXXX Banks illegal operation I had to pay XXXX Bank 2-3 times higher rate loan for more than XXXX and I paid {$20000.00} - {$30000.00} more because of the XXXX Banks illegal XXXX banking XXXX XXXX
e. It is clearly showing XXXX Banks criminal banking business and the evidence of why they are charging repeatedly.
f. There are currently so many victims created by XXXX Bank XXXX
XXXX. Since XXXX Bank purchased the XXXX XXXX XXXX Bank, XXXX Bank has been attacking me every day to destroy my life and my family, already destroyed/damaged by XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX for XXXX.
XXXX Banks criminal, malicious, terror, and racially discriminatory Banking against me and my family.
XXXX XXXX Bank XXXX XXXX XXXX XXXX asked me to pay off my entire loans of {$520000.00} and XXXX bank was in bankruptcy. He asked me to go to his buddy, XXXX XXXX XXXX, retired XXXX XXXX Bank. I contacted him next day and provided all the information. My credit and all the information were very good he would finance quickly. His mom was ill and he had to take care of her others. he didnt do anything. I hired other person and spent more than {$10000.00} and time. I had three lenders to pay off my entire loans. XXXX XXXX XXXX didnt want to talk to them. I talked to XXXX XXXX XXXX blocked the paying off my entire loan payment process, which was illegal, criminal, and discriminatory acts caused all the problems. He kept asking me to go to XXXX XXXX XXXX. I provided all the information of the legal purchasing contracts of a lot more than {>= $1,000,000} and many other offers.
XXXX XXXX bank repeatedly treating me racially discriminatory lending procedures charging 40 times more fees. XXXX, XXXX XXXX XXXX initially promised me {$200.00} each fee each account refinancing at his office, but XXXX XXXX XXXX charged me {$8000.00} at the signing. The XXXX time promised me {$200.00} fee another account, at the signing he asked me to pay {$6000.00}. When I asked him why he was not keeping his promise of {$200.00} of the fee. He lowered the fee to {$3000.00} and saying their Bank was losing money.
XXXX XXXX couldnt sleep at night for 3 months because of my stomach was hurting so much. I sent letters more than XXXX times to XXXX of the bank, XXXX XXXX XXXX. He never responded to me or corrected it.
I treated XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX Ohio. I asked him why he was lying? He said very sorry. I know where XXXX XXXX XXXX is.
XXXX XXXX bank has done business knowingly illegally, wrongfully, and racially discrimnatory, and criminally.
XXXX On CFPB ( Consumer Financial Protection Bureau ( CFPB ), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly ) information ( XXXX Bank has been claiming falsely ) XXXX. XXXX bank committed serious crimes ; illegal banking, wrongful charges ; maliciously, racially discrimnatory and criminally took all my life assets, and still maliciously and criminally attacking me. It is a violation of Federal Banking Laws and committing crimes of IRS, Treasury Department, Federal Bankruptcy Laws, Civil Right, and vary serious financial XXXX destroying me and my family, innocent citizens, criminally attacking innocent Senior citizens to cover up their wrong doing for decades.
XXXX. You can check Federal Bankruptcy Court record which I sent a letter to the Bankruptcy Honorable Judge, XXXX XXXX and I, myself, testified at the court. Because my 2 bankruptcy lawyers were corrupted with XXXX Bank from the very beginning, illegal acts and law practice. No one was represented my cases and XXXX bank took my {$3.00} assets criminally from the very beginning.
XXXX. XXXX bank has been claiming that I was represented by my attorneys all the time. It is a false claim.
My three lawyers, a. 1st lawyer XXXX XXXX XXXX took the money from me from the beginning as a real estate specialty lawyer and banking lawyer. But he didnt know real estate and banking laws well. Suddenly he took me to Bankruptcy attorney XXXX XXXX, asked me to file a bankruptcy XXXX. I have never expected the bankruptcy because XXXX Bank promised me that they would wait until XXXX of next year for sales of any of my properties would pay off all of entire my debt to XXXX Bank. I had many offers and I provided the legal document to XXXX bank. I was very shocked my attorney, XXXX XXXX filing my bankruptcy case.
b. Later when I asked him to file a law suit against XXXX bank, then he resigned from my case, because of a XXXX of XXXX. How possibly took my case with conflict of interests.
XXXX Attorney XXXX XXXX filed my Bankruptcy case. He promised me that he would clear all the payment in front of his secretary and other attorneys at his conference room. Later he asked me to bring other attorneys to process my case which he would teach another attorney to clear all of my debt and he was kept saying it is very easy in front of his secretary/Assistant, XXXX XXXX XXXX His secretary and I are the witnesses and the document I emailed her and Attorney XXXX XXXX. He asked me to have meeting with his secretary and provide all the information. We had meeting at Attorney XXXX office and I provide all the document she asked me. Then she asked me to email to her all the information, because she may miss any other information. As soon as I sent an email to her, the very next day, Attorney XXXX send me a mail that he resigned from my case and warned me not to contact his office or any other attorneys or employees of his law firm. Because I emailed his secretary Attorney XXXX promised me he would clear all of my debt at the meeting at his office in front of his secretary. His group told me that attorney he would be a next Bankruptcy XXXX after XXXX XXXX XXXX would step down soon. His law firm has many attorneys and he is an attorney filed my bankruptcy case. Why he was asking me to bring an attorney and he would teach him. He knows all other attorneys. Why he was asking me to bring other attorneys to him? He was corrupted from the very beginning at the Bankruptcy XXXX and resigned from my case suddenly. I asked many attorneys. They didnt want to be involved my case. They are saying attorney XXXX is a Bankruptcy Trustee. His law firm has many other attorneys. He was corrupted with XXXX bank. I have key evidence of the corruption.
XXXX. I didnt have any attorneys to represent me at the court for my case.
a. No other attorneys wanted represented or involved may case saying other corrupted attorneys were involved and took already took all the money from me.
b. Two attorneys already messed up and negligent my case.
XXXX. I, myself, represented me at the Federal Bankruptcy Court in front of Honorable Judge XXXX XXXX at the Federal Bankruptcy Court, I requested to Honorable Judge XXXX XXXX to extend my case until find attorneys. The Honorable Judge XXXX XXXX granted me to extend my case.
a. I provided information to Federal Bankruptcy Honorable Judge XXXX XXXX of XXXX Banks corruption, illegal, criminal, repeated discriminatory unlawful business practice and taking my assets for my life community mission and life savings. You can find out the information at the Bankruptcy Court.
XXXX. I found a bankruptcy attorney XXXX XXXX, but he didnt want to do anything against XXXX Bank XXXX first XXXX bank XXXX or anything else. Attorney XXXX XXXX wanted to do only finishing the payments. He recognized and agreed that he made mistake and wrongfully held my case for XXXX. I was released from XXXX Bankruptcy after XXXX.
XXXX I met XXXX XXXX XXXX XXXX, Chairman of XXXX Bank formally face to face in XXXX XXXX he asked me to send the information to him, I have sent information to his office and spoke to his assistances, XXXX XXXX XXXX XXXX XXXX Assistance XXXX XXXX and others a few times very formally, but I have not received any response from XXXX XXXX XXXX XXXX XXXX Chairman, President and Chief XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistance of President.
XXXX. But I have been repeatedly receiving False Bills, False Notices, False Collections and False Claim & False Credit Report, harrassing, intimidating, threatening, and pressuring by XXXX Bank.
XXXX. I received phone calls from XXXX XXXX XXXX, XXXX, XXXX Bank Consumer Advocacy Specialist on XXXX and XXXX and more in respond of my letter to XXXX XXXX XXXX XXXX.
a. XXXX XXXX XXXX was denying everything saying XXXX Bank wont do anything for me.
b. He handles all the letters of XXXX XXXX XXXX XXXX, Chairman and XXXX XXXX is not getting any letters.
XXXX XXXX, XXXX XXXX XXXX, XXXX Bank asked me to sue the XXXX Bank.
XXXX XXXX Bank took more than 500 % of my loan amount and took my life savings.
XXXX XXXX Bank has been attacking me more aggressively with all false charges, escrow account charges, keep sending false Credit Bureaus Report to destroy my life and my family.
XXXX XXXX Bank has been attempting to collect already paid by the Federal Bankruptcy Case.
XXXX XXXX Bank has been harassing, intimidating, threatening to destroy me my family to covering up their wrong doing.
No one has ever answered for the false bills, false collections, false claims, or false Credit report.
A After my bankruptcy case was done by Federal Bankruptcy Court.
XXXX. XXXX. XXXX bank has been criminally, illegally, asking and threatening to pay the {$410000.00} again, then XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX. Phone XXXX has been attempting to collect {$410000.00} which I already paid off during the Bankruptcy caused by XXXX Bank.
XXXX. I have never missed account # XXXX, {$30000.00} for XXXX. XXXX Bank has been asking more money to pay. This account and amount must be removed. XXXX Bank took too much of my assets. I do not have anything to support for my life and my family.
XXXX. It is a serious malicious XXXX discrimnatory hate crime.
XXXX. XXXX Bank is making false documents to remove their tax which I received XXXX Form 1099-C, XXXX. Amount of Debt discharged {$58000.00}.
XXXX. XXXX bank falsely claiming and reporting to IRS to make money sending me false documents.
XXXX XXXX Bank legal department has been illegal collection notices and letters working with XXXX, Ohio XXXX XXXX XXXX, making phones calls, letters, and attempting collections.
XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and many officers of XXXXXXXX XXXX Credit Department and Escrow Department are trying to collect more money for the paid Federal Bankruptcy account and closed case by XXXX banks criminally took my life saving more than 5.5times and XXXX bank had profit more than {>= $1,000,000}.
c. Keep sending tax loss papers from my accounts already closed Bankruptcy case for the Tax saving purpose which XXXX Bank made XXXX of loan amounts.
XXXX I was just released from the Bankruptcy case because XXXX Bank illegally took my life savings properties and businesses illegally with corrupted by Vice President XXXX XXXX and attorney XXXX XXXX, XXXX XXXX and others.
This one show, how XXXX bank has been doing wrong again and again. This is another criminal act beside Collection attempt and many others. XXXX Bank has been deceiving IRS, U.S. Treasury Department.
I put all of my effort and have been working very hard for past XXXX. I have been helping people, community and country.
I am looking forward hearing from you.
Very respectfully, XXXX XXXX
|
| 09/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Older American, Servicemember |
|
I contacted XXXX XXXX XXXX/XXXX XXXX XXXX after waiting almost 60 business days and still not receiving a response to my Error Resolution Letter. XXXX XXXX stated he would have a supervisor contact me within 24 hours to discuss the issues.
On XX/XX/XXXX, I received a call from XXXX XXXX ( not a supervisor, ) who is in the Ombudsman Dispute Department, in the Executive Office at XXXX XXXX XXXX, asking about my issues.
Before I had a chance to talk I was reprimanded for calling their investor, XXXX XXXX XXXX XXXX. I was told all communication must go through XXXX. I explained to the representative, I had made many attempts to work with XXXX, and even called the Consumer Ombudsman department twice, whos representatives discounted the call twice. Either these employees are not trained to answer my specific questions, or just plain rude.
I almost did not answer XXXX call because the was no caller ID naming XXXX, and because I get so many Scam calls, I usually do not answer the phone for unanimous callers. Today I received another call from XXXX, this time letting me know XXXX is working on my Error Letter.
On XX/XX/XXXX ( attached ) XXXX sent a letter, which I received on Monday the XXXX, answering my error resolution letter. XXXX call did not make sense until she said the reason for her call was new information was received, and she was calling to state it was being reviewed in the Dispute Department. When I asked, " Where did the information come from ''? She stated it was the information I just sent in. Again, I am working with someone who did not know what they were talking about. After a few more questions I realized, the " new '' information she spoke of was the complaint I had filed with the CFPB # XXXX.
I explained, this is the same information I sent to XXXX, and waited 2 months for a response, when per the CFPB 30 business days is the allowed period to respond, + a 15-day extension if within the 30 days notice is sent with a valid reason for the extension. Instead, I was sent a notice stating XXXX needed a 30-day extension, ( even though CFPB states no more than 15 days, ) it was outside the 30 day dispute period, and without a valid reason. XXXX replied she is required to call when a dispute is filed. I asked her about the credit report mistakes discussed in our previous call on XX/XX/XXXX, and all she could say is we are working on it. I mentioned it took 2 months to reply to my first dispute and asked how long would it take to respond to the Credit Report Disputes, and she said she didn't know. Based on this discussion, and my desire to have my credit report corrected, I plan to file another complaint with the CFPB for the credit issues, and the carelessly put together response from XXXX to my " Error resolution letter.
Please read the response XXXX subsequently made on XXXX, ( attached, ) and come to your own conclusion, why would a one-page response take 2 months to accomplish. It really didn't address any of my concerns, and what is really humorous is the letter is filled with misconstrued facts and conclusions.
The correspondence included an " Applied Funds Table, '' along with pages of XXXX payment history, ( which I already had. ) As I reviewed the payment history ( supplied by XXXX, ) it became clear, I had been supplied with an internal form, based on the " heading of each column. '' Such as " XXXX '' which was not defined for the average consumer to understand. By comparing the payment history supplied by XXXX, to the actual history XXXX XXXX XXXX supplied with my final Escrow Analysis, the abbreviation was for " Transaction Date. '' It is clear that the XXXX payment history XXXX supplied, ( which neglected to include either the 13-page numbers for reference or an explanation as to why it was included, ) as it appears to have been thrown in as fluff.
If the " Table '' and " Payment History '' matched it would make sense. Instead, it conflicted with the '' Applied Funds Table, '' which fail to show my last payment made to XXXX on XX/XX/XXXX, nor did it include the correct payment amount of {$1300.00}. Which by law, must be posted and disbursed as of the date of receipt, ( in this case XX/XX/XXXX, ) not XX/XX/XXXX.Additionally, the table includes an " Escrow Shortage '' payment of {$74.00} made on XX/XX/XXXX but fails to show the " Escrow Shortage '' payment of {$5.00}, or the waving of the late charge of {$48.00} on XX/XX/XXXX. In fact, if my " Error Letter '' had been read, it would be easy to see these mistakes clearly. How can a company come to an accurate conclusion without having or giving me information that is thoroughly reviewed and analyzed? I had the right to be explained why the table in the letter from XXXX did not match the XXXX loan history and how you came to the conclusions in the table. I am still in limbo because nothing has been corrected.
Paragraph two of the letter dated XXXX states, We are unable to comment on the escrow amounts collected by the prior servicer, as we collect the escrow information from the agencies after the loan was transferred to XXXX. Why isn't AGENCIES explained? What agencies are you talking about? XXXX has an obligation to be clear, and accurate. Why would I be supplied with XXXX XXXX internal form of my payment history with XXXX, only to tell me you can't comment about it? Should you really have sent me this form at all? Did the so-called " Agencies '' make a mistake supplying it? Per 1024.38 38 ( a ) ( 1 ) ( ii ) -1 XXXX must have " reasonable policies and procedures, '' and I have not seen this in attempts to work with this Servicer.
Late Fee : One more Error made by XXXX : For some reason, Ms. XXXX was under the impression that I questioned the late charge XXXX had added to my XXXX payment. I questioned the accounting, XXXX mistakenly charged a late fee and waved it the same day. My concern about this charge was, being accurately credited for this fee. The payment history showed It posted as a charge on XXXX, and it also showed a credit 4 times the same day, but my balance was not adjusted. XXXX XX/XX/XXXX letter explains I was charged a late fee on XX/XX/XXXX, but fail to state that this amount was credited back the same day, ( all they had to do was look at the payment history under total late fees. ) This question remains unanswered, I still want to see that I was credited. If the payment is held in a suspense or unapplied funds account, this fact must be reflected on future periodic statements, in accordance with 1026.41 ( d ) ( 3 ). When sufficient funds accumulate to cover a periodic payment, as defined in 1026.36 ( c ) ( 1 ) ( I ), they must be treated as a periodic payment received in accordance with 1026.36 ( c ) ( 1 ) ( I ). By being treated as a periodic payment the payment must be posted on the date received.
Phone Call : I requested to be contacted by phone to explain the results of your investigation, I did not say this request was in lei of sending a written response. The XX/XX/XXXX letter states : " We are unable to fulfill this request as it is our policy to respond by US Postal Service. '' One more blunder or failure to properly communicate what they mean. XXXX " DID '' in fact call me, on XXXX and explained what was stated in the letter, ( hadn't yet been received ) and I was told what the conclusion was. The final paragraph of the letter states, " Should you have any further questions, please call Customer Service. '' This conflicts with the prior statement XXXX made which began, " We are unable to fulfill this request. '' It concludes : " XXXX has reviewed and responded to your inquiries, ( I unequivocally disagree with such a statement. ) Then continues to say, " We have provided all documentation relied upon to reach our determination, '' ( This explains and concurs, that there was little time spent investigating my concerns, ( even though it took 2 months to answer them. ) It is part of the reason there are so many mistakes, there was a lack of investigation by XXXX. ) The letter continues to say : " If a document was not provided, it is because it is privileged or proprietary, '' ( such as in supplying an internal form, from XXXX. ) Isn't this statement in conflict with the prior one stating We have provided all documentation relied on?
Servicer 's use a computerized loan management system. The system XXXX uses should keep track of the borrowers account, and communications with the Servicer. What happened? Did the server at XXXX go down while this case was investigated? One of the main duties of a Servicer is to collect and process payments from the borrower, and have accurate accounting. When funds are applied improperly when the grace period is ignored, or there is a failure to credit funds to the principal balance, or escrow account there can be an artificial shortage, and XXXX is in violation of the terms in the deed of trust. Please remember, I was told there would not be another Escrow Analysis completed for a year on XXXX first, ( date of transfer, because XXXX had completed one a month and a half before the transfer. Yet, in XXXX I was sent a new Analysis by XXXX, knowing Federal Laws only allows one completed per year, unless I request to have one completed. I was told there was a shortage of {$130.00}, which triggered my letter of dispute.
THERE WAS NO PART OF THIS LETTER THAT HAD CREDIBILITY! It is frightening to know that I am stuck with this Servicer until I either sell my home or refinance.
Escrow Closure : My request to close Escrow, and XXXX acknowledgment of closure on XX/XX/XXXX, was one more string of errors, ( see attached Escrow Payment change notice XXXX, Escrow Closure Request form, XXXX Acknowledgement XXXX, and Escrow Closing Notice/Notification Escrow Closing XXXX. ) The form was supplied by XXXX and clearly shows I no longer wanted " both '' my Property Taxes and Insurance Impounded. I was sent a letter Acknowledging my escrow would close on XXXX if I didn't call and cancel this request. I called on XX/XX/XXXX to verify my escrow was closed and was told a check was sent for the balance of my Taxes, but the Insurance was still opened. I asked why and was told the Escrow Department would be contacted, and I would get a call within 3 days with an answer. How do you botch up something so simple, and with your own forms?
I asked to speak with the escrow department and was told, I could only speak to Customer Service, who clearly did not understand the makings of an Escrow Account. I had never heard of a company that did not let you speak to this department. It is no wonder there are so many mistakes made. I asked to have the insurance check sent XXXX overnight since this was an error made by XXXX, and my insurance was coming due within a few weeks. Plus my form clearly stated it was not longer XXXX XXXX responsibility to pay taxes or insurance, ( even though they still held the insurance balance of my escrow account. ) I was told they would " try '' to request the check and overnight it. I replied that is not good enough.
Two days later, I received a call from XXXX stating a check was request was made that day, and he would internally, e-mail my request to have my check overnighted. One week later I received the check regular mail. XXXX repeatedly has made mistakes, and taken shortcuts at every stage of the mortgage servicing process, costing me additional fees along the way. When an error was made in the servicing of my mortgage, XXXX must either correct the error I identified, called " notice of error '', or investigate the alleged error. XXXX has routinely failed to properly acknowledge and investigate my complaints, or make necessary corrections.
This is probably a result of loading inaccurate and incomplete information into its servicing system, or even when their data is accurate, XXXX still generated errors, because of their system failures and deficient programming.
Inaccurate Credit Reporting : XXXX : The results of my dispute from my report dated XX/XX/XXXX arrived on XX/XX/XXXX ( see attached ) as certified accurate and unchanged. This is a gross misstatement and shows that XXXX either has untrained employees is too busy to verify and correct the information or is a company who skips through federal compliance regulations hoping not to get caught in an audit by the CFPB.
Looking at the attachment, " Experian Dispute with XXXX '' is noticeably & erroneous based on a status date of XX/XX/XXXX : it fails to show loan transferred/sold, a recent payment made of {$2600.00}, ( also shown in error on the attached XXXX Account summary, ) which is the total of the individual payments I made for XX/XX/XXXX & XX/XX/XXXX in the amount of {$1300.00} the monthly payment, also shown in error on my report is shown as {$1300.00}, which was the payment I made in XXXX because of XXXX XXXX inaccurate Escrow Analysis, which has disputed as of XX/XX/XXXX, ( see attachment, XXXX Error Letter. ) The term is 40 years, with 32 years remaining, not 46 years. There is no 46-year term for mortgages.
Finally, XXXX felt a need to add, ( in error ) a comment : " Loan Modified under a Federal Government Plan. '' This is a negative reporting remark, which can not be made after 7 years, ( it has been almost 10 years, ) the Modification completed by XXXX, ( see attachments XXXX XXXX Credit Report change, & XXXX XXXX Mod ) was disputed & removed from all credit reports in XXXX, and can not be added back.
XXXX : On XX/XX/XXXX, I received the results of my dispute against XXXX XXXX XXXX & XXXX ( see attachment, ). XXXX updated their information to now show the loan closed & transferred with the date of the last payment.
XXXX : XXXX, on the other hand, created the illusion I had two mortgages instead of one, & one of them was a new mortgage, ( dropping my credit scores. ) Account information '' it also needs many of the same corrections for based on the " Date of last activity '' shown as XX/XX/XXXX, Loan Balance must be reduced to match " Date of last Activity, '' but continues to state the original balance on transfer of my loan XX/XX/XXXX, " Actual Payment, '' {$2600.00}, should match " Scheduled Payment. '' The " Months Reviewed '' state 2 payments reported it is should state 3 were reviewed, the monthly payment was updated but still wrong, since the status date remains unchanged at XX/XX/XXXX, the updated payment is based on my new payment as of XXXX, which no longer has an escrow account.
Under " Historical Account information '' the months of XX/XX/XXXX & XX/XX/XXXX must be completed to show payment in the amount of {$1300.00} and XXXX XXXX payment must be corrected to show this payment as well. By failing to report the XXXX & XXXX payment amounts, that the payments made were " Regular Payments '', not " Trial Payments '' ( under a trial period for a loan modification, by failing to report the loan as transferred/sold, ( needs to be added, ) but most importantly by reporting a comment the " Loan Modified under a Federal Government Plan, '' ( MUST remove outdated negative information. ) it has caused my credit score to drop 120 points. All of these mistakes contributed to lowering my overall credit score.
Trans Union : Not only is Trans Union reporting the same errors as XXXX, but instead of showing a " Historical Account information '' Trans Union 's format places a table under the " Remarks '' " Loan Modified under a Federal Government Plan. '' that " RATES '' the payments for XXXX and XXXX as " X '' which is defined as " Unknown, '' once again indicating a " Trial Payment '' under a Modification. Instead, it should have shown as " OK '' under their Rating Key method. This is unreasonable, will not be tolerated misleading, uncalled for, and must be changed immediately.
Concerning the above comments, I would like to add, I was not notified by SPS that they were reporting " any '' information to the credit bureau 's, much less " negative reporting '' concerning the type of mortgage I had. To reiterate ; when a loan is transferred there is a 60 day grace period before any credit reporting may be made.
When an Error Resolution Letter such as the one XXXX received on XX/XX/XXXX, is received concerning mortgage payments, ( and XXXX had not even received all the data from BAC, ) SPS may not report during the resolution period, which is usually another 60 days. In my case, during the period discussed, my payment changed with XXXX 3 times, and XXXX just sent another notice dated XXXX, received XX/XX/XXXX. Stating they are again reviewing my concerns, yet XXXX choose to ignore the State and Federal law and incorrectly began reporting on XXXX. Additionally, outdated information/negative reporting over 7 years old must not be reported.
Under the FCRA ( Fair Credit Reporting Act ) prohibits false credit reporting of any type. A creditor must not supply information to a CRA that it knows ( or should know ) is inaccurate. That includes : misstating the balance due or reporting late payments when you paid timely.
Failing to Follow Debt Dispute Procedures When you submit a written dispute about the accuracy of an item on your report, credit bureaus and your Servicer ( SPS ) must take certain actions in response. Their duties include conducting a reasonable investigation of your dispute, correcting any inaccurate information, or even removing the disputed debt from your credit report. There are a number of ways they can fall short of their duties.
Some common violations by a CRA include failing to : Notify a creditor that you dispute the debt that it has reported, conduct a reasonable investigation of your dispute, or correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute, refrain from continuing to submit information that it knows ( or should know ) is incorrect, conduct an internal investigation of your dispute within 30 days ( or 45 days if you supply additional information during the investigation. ) When a private investor such as XXXX XXXX XXXX XXXX owns the loan, the market drives the servicing fee. Generally, the fee depends on the underlying credit quality of the borrower. Servicing a loan with a higher quality credit rating brings in fewer fees because servicing costs are lower. Servicing a loan that has lower credit quality generates a higher fee because borrowers tend to default on this type of loan, which makes them more labor-intensive to service. How many borrowers have XXXX supplied inaccurate information, in an effort to drive their fees up to and cost the investor thousands of dollars, by misleading them?
Because I have no say over who services my mortgage, I must depend on the CFPB to remain vigilant to ensure I get fair treatment. '' I can only hope the CFPB uncovers substantial evidence that XXXX has engaged in significant and systemic misconduct, at nearly every stage of the mortgage servicing process.
The Dodd-Frank Wall Street Reform and Consumer Protection Act, protect consumers from unfair, deceptive, or abusive acts or practices, such as those described above. The CFPBs mortgage servicing rules require that servicer 's promptly credit payments and correct errors on request.
I hope you take these remarks seriously by discussing these errors with XXXX and making sure the corrections are made immediately. The information on my credit report should be prioritized, and when completed the FCRA states I am to be notified within 5 days. I would be glad to discuss anything you feel is not clear.
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| 09/24/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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My Only XXXX & Last Name : [ XXXX XXXX ] My Only Address : [ XXXX XXXX XXXX XXXX XXXX CA XXXX ] The last XXXX of my [ SSN # XXXX ] My Only XXXX XX/XX/XXXX. I have asked for proof of ( XXXX ) proof of original sign Consumer contract, proof of identity, proof of signature on any of the alleged debt three times nowIve sent paper work and complaints from the US Justice Department ( XXXX ) CFPB COMPLAINTS ) - ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH - CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) -clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer rXXXX XXXX Yet XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to ( 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of ( Metro2 compliance ). Provide me with the ( Metro2compliance ) -disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, ( collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in ( Collection/Charge-Off Status ) -WITHOUT mailing me a copy of ( IRS form 1099-C Cancellation of Debt. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved I [ XXXX XXXX XXXX issue this urgent and non-negotiable Affidavit of Truth . I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX [ I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.
( 15 U.S. Code 1681s-2 : ) : Failure to correct and update inaccurate information in my consumer reports. : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.XXXX-TRANUNION-XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CONTINUES TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. : ( I DID NOT AND DO NOT CONSENT these companies XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) AND THIER FRAUDULENT PRACTICES BY furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX intothe ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.- ( 15 U.S. Code 1681c- 2 ) - : Block of information Resulting from identity theft ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, - ( Validation requires- presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX - XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX HOSPITAL ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( XXXX ), THE EXACT AND COMPLETE SEQUENCED AND XXXX DATA FORMATTED XXXX CHARACTER XXXX STATEMENT ( XXXX ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND XXXX OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED XXXX PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX XXXX field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from XXXX XXXX XXXX XXXX XXXX -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, XXXX XXXX compliant, XXXX system that enables Data Furnishers ( DFs XXXX XXXX and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and XXXX XXXX XXXX form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
XXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. XXXX are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the XXXX and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the XXXX record. The XXXX XXXX process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( XXXX ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being XXXX as AGREED, NEVER LATE and as nothing else : ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT DEPT OF XXXX XXXX XXXX XXXX, XXXX {$1700.00} DEPT OF XXXX XXXX XX/XX/XXXX {$2300.00} DEPT OF XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00} DEPT XXXX XXXX XXXX XX/XX/XXXX {$1100.00} DEPT OF XXXX XXXX XX/XX/XXXX {$1900.00} DEPT OF XXXX XXXX XX/XX/XXXX {$4300.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$35.00} XXXX XXXX XXXX XX/XX/XXXX {$500.00} XXXX XXXX data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX XXXX reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the XXXX XXXX XXXX is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond XXXX calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX XXXX trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE XXXX MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least XXXX XXXX. XXXX. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle processXXXX XXXX XXXXXXXX XXXX not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$350.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
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| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX Transunion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT LENDING XXXX XXXX XXXX {$5300.00} XXXX XXXX XXXX XX/XX/XXXX {$18000.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2XXXX Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
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| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST XXXX XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED XXXX CHARACTER XXXX STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND XXXX OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED XXXX PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XX/XX/XXXX {$20000.00} METRO 2 data field formatted reporting ! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think XXXX Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The XXXX enacted XXXX Metro 2 compliant reporting format REQUIRES the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond withinXXXX calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being XXXX XXXX of the Implementation of the XXXX XXXX auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( XXXX. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric sourceXXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http XXXX XXXX XXXX is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
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| 10/24/2023 |
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- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
XXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XXXX ( XXXX ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
XXXX. Tell me in writing what information you refuse to remove and why.
XXXX. Tell me in writing what you did to determine that the information was accurate.
XXXX. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, SC XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST XXXX XXXXXXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX XXXXXXXX may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED XXXX XXXX XXXX and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$390.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$580.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX
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| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter. I personally signed and sent this letter.
I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX DC XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XXXXThere are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX # XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XXXX are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XXXX.I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from TWR LN-SYS on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. XXXX from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. XXXX from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter. I personally signed and sent this letter.
I am writing to dispute the following information that appears on my XXXX report from XX/XX/XXXX : Inquiry from XXXX XXXX XXXX XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX on XXXX are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX NA on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XXXXThere are multiple inquiries all within XXXX day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX XX/XX/XXXX. There are multiple inquiries all within XXXX day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX NA on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX, XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX NA on XXXX dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXXXXXX XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized XXXX of them. Please remove all of these unauthorized inquiries immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. I personally sent this letter. I personally signed and sent this letter.
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| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$78.00} XXXX XXXX XXXX XX/XX/XXXX {$200.00} FB & XXXX XXXXXXXX XX/XX/XXXX {$140.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX
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| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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|
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX XXXX XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$200.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX, CA XXXX
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| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST XXXX XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( XXXX XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs XXXX XXXX and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( XXXX ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT XXXX XXXX XX/XX/XXXX {$640.00} XXXX XXXX XXXX XX/XX/XXXX {$1700.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
|
| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( XXXX XXXX XXXX create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and XXXX XXXX XXXX form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ XXXX XXXX and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9400.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : XXXX begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( XXXX ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or XXXX Credit Bureaus and Mortgage XXXX XXXX. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and XXXX XXXX XXXX form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
XXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- XXXX may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XXXX ( XXXX ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXXXXXX XXXX XXXX and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$420.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and XXXX of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric XXXX code deciding the leftness or rightness states, and even every aspect of the mandated XXXX pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX
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| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY XXXX XXXX AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND XXXX DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also XXXX XXXX XXXX in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of XXXX ( your web based automated verification process ). YOUR EXACT XXXX definition ( per http : //www.e-oscar.org/about-e-oscar.aspx ) is that XXXX is a web-based, XXXX XXXX compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or XXXXndependent Credit Bureaus and Mortgage Reporting Companies. XXXX also provides for XXXX to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and XXXX XXXX XXXX form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
XXXX initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the XXXX. The XXXX is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the XXXX has are porting relationship. AUDs are initiated by the XXXX to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( XXXX ) based on subscriber codes specified by the XXXX in the AUD record. The e-XXXX AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. XXXX XXXXXXXX XXXX not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of XXXX ( XXXX ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : XXXX XXXX XXXX XXXX and ALLEGED ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX {$4600.00} XXXX XXXX data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth XXXX Zip Code for my Home Address The CRSA enacted XXXX XXXX XXXX XXXX reporting format REQUIRES the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the XXXX XXXX XXXX is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified XXXX XXXX compliance trained XXXX. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. XXXX XXXX compliance requires exacting P-segment, to include the minimal XXXX ( XXXX ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE XXXX MUST BE XXXX XXXX Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX XXXX XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED XXXX XXXX COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite XXXX of the exact and fully compliant XXXX statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX
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| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To the CFPB : 15 USC 6805 Enforcement. ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, XXXX, XXXX XXXX, and XXXX violated my rights 15 USC subsection 6801 Protection of nonpublic personal information ( a ) Privacy Obligation Policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
Congress stated that XXXX, XXXX XXXX, and XXXX has an obligation to respect the privacy of the consumer and to protect the security and confidentiality of my nonpublic information. How are they protecting my confidential information when they are reporting it to third parties. THEY ARE IN VIOLATION.
15 USC subsection 6802 Obligation with respect to disclosures of personal information.
( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt Out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( a ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( c ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
I also NEVER gave XXXX, XXXX XXXX, and XXXX permission to report my confidential information to third parties. I sent opt out letters to XXXX, XXXX XXXX, and XXXX. I was never given the opportunity to opt out by these companies.
16 CFR 313.1 Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
16 CFR 314- Standards for safeguarding customer information. Also see 15 USC 6801 ( b ) 6805 ( b ) ( 2 ) and 67 FR 36493 Purpose. This part, which implements sections 501 and 505 ( b ) ( 2 ) of the Gramm-Leach-Bliley Act, sets forth standards for developing, implementing, and maintaining reasonable administrative, technical, and physical safeguards to protect the security, confidentiality, and integrity of customer information.
XXXX, XXXX XXXX, and XXXX are in violation of 22 CFR subsection 1101.8- Disclosure of records to third parties.
( a ) The Section will not disclose any information about an individual to any person other than the individual except in the following instances : ( b ) ( 1 ) Upon written request by the individual about whom the information is maintained ; ( c ) ( 2 ) With prior written consent of the individual about whom the information is maintained ; I have NEVER requested for my personal information to be disclosed to any third party.
XXXX, XXXX XXXX, and XXXX are in violation of Family educational and privacy act 20 USC subsection 1232g ( c ) The first sentence of subparagraph ( A ) shall not operate to make available to students in institutions of postsecondary education the following materials : financial records of the parents of the student or any information contained therein ; XXXX, XXXX XXXX XXXX and XXXX is reporting my financial records to third parties.
IT IS ILLEGAL TO REPORT TRANSACTIONS ON A CREDIT REPORT!!
XXXX, XXXX XXXX, and XXXX are in violation of 22 CFR subsection 1101.5 Security, confidentiality and protection of records.
( a ) The Act requires that records subject to the Act be maintained with appropriate administrative, technical and physical safeguards to ensure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience or unfairness to any individual on whom information is maintained.
With XXXX, XXXX XXXX, and XXXX reporting my information to the third parties like XXXX, Transunion and XXXX, I have been embarrassed and humiliated when being denied for XXXX5 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
My first XXXX account on my credit report the following XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX and XXXX open date XX/XX/XXXX XXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX and XXXX open date XX/XX/XXXX XXXXXXXX XXXX account is reporting the following Transunion open XXXX XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open XXXX XX/XX/XXXXXXXX XXXX XXXX account is reporting the following Transunion open date XX/XX/XXXX XXXX XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX that are reporting as Charge offs.
Charge offs are consider certificates of indebtness and 1099-C are filed.
According to the IRS Publication 4681 ( 2022 ) Canceled Debts, Foreclosures, Repossessions
and Abandonments. source- https : //www.irs.gov/publications/p4681 # en_US_2022_publink1000192640 Under introduction it states : Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. Also, under General Rule it states : Generally, if a debt for which you are personally liable is forgiven or discharged for less than the full amount owed, the debt is considered canceled in whatever amount it remained unpaid. Generally, you must include the canceled debt in your income. A debt includes any indebtedness : For which you are liable, or Subject to which you hold property. Per the IRS, charge offs are considered INCOME and income CAN NOT be reported on my credit report. They MUST be REMOVED!
These are the accounts that are reporting a charge off on my credit report : XXXX XXXX is reporting my account as charged off to Transunion and XXXX XXXX XXXX is reporting my account as charged off to Transunion, XXXX, and XXXX XXXX XXXX XXXX is reporting my account as charged off to Transunion, XXXX, and XXXX XXXX XXXX is reporting my account as charged off to Transunion, XXXX and XXXXXXXX XXXX XXXX XXXX is reporting my account as charged off to Transunion and XXXX XXXX XXXX is reporting my account as charged off to Transunion, XXXX and XXXXXXXX XXXX XXXX XXXXXXXX is reporting my account as charged off to Transunion, XXXX, and XXXX XXXX XXXX is reporting my account as charged off to Transunion, XXXX and XXXX These are the accounts that are in violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX and reporting as charged off/closed, XXXX open date XX/XX/XXXX and reporting as charged off/closed, XXXX open date XX/XX/XXXX and reporting as 120 days late/ Open account XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX and reporting as account type : collections, payment status charged off, XXXX open date XX/XX/XXXX and reporting as account type open, payment status charged off, XXXX open date is XX/XX/XXXX and reporting as account type open and payment status late 120 days XXXXXXXX XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX XX/XX/XXXXXXXX XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX and XXXX open date XX/XX/XXXXXXXX XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX and XXXX open date XX/XX/XXXXXXXX XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX and XXXX open date XX/XX/XXXXXXXX XXXX XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXXXXXX XXXX XXXXXXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, XXXX open date XX/XX/XXXX XXXX XXXXXXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX and XXXX open date XX/XX/XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX, and XXXX open date XX/XX/XXXX XXXX XXXX account is reporting the following inaccuracies : Transunion open date XX/XX/XXXX, XXXX XX/XX/XXXX, and XXXX XX/XX/XXXX These same accounts such as : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Are in violation of the following : 15 USC subsection 6802 Obligation with respect to disclosures of personal information.
( c ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( d ) Opt Out ( 2 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( d ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( e ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option 16 CFR 313.1 Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
16 CFR 314- Standards for safeguarding customer information. Also see 15 USC 6801 ( b ) 6805 ( b ) ( 2 ) I have not given XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, permission to disclose my information to third parties. I have also sent these companies opt out letters.
15 USC subsection 1681b- Permissible purpose of consumer reports.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
AGAIN, I DID NOT GIVE WRITTEN CONSENT TO FURNISH ANY OF THE ABOVE ACCOUNTS ON MY CREDIT REPORT.
15 USC subsection 1681c- Requirements relating to information contained in consumer report.
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year.
WITH THE EXPECTIONS OF CONVICTION OF CRIMES, NOTHING SHOULD BE FURNISHED ON MY CREDIT REPORT.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
As you can see, All the forementioned accounts must be removed from by credit report due to several violations.
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX DOB : XXXX SSN : XXXX XX/XX/XXXX To : XXXXTo begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
Re : alleged DEROGATORY LATE PAYMENTS DEFICIENT OF REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, NAMELY METRO 2 AND THE FCRA STANDARDS OF REPORTING, ARE CERTAINLY UNLAWFUL, UNETHICAL AND UNDOUBTEDLY IN CLEAR INFRINGEMENT OF MY CONSUMER AND OR CIVIL RIGHTS, MAKING YOU LIABLE UPON MY TAKING THIS MATTER TO A CIVIL COURT IN MY AREA FOR PROPER AND ETHICAL RESOLUTIONS AND AWARDS OF AT LEAST $ XXXX PER STILL UNPROVEN, UNTRUE, INACCURATE, UNTIMELY, INCOMPLETE, OR ELSEWISE NOT COMPLIANT ITEM REPORTED THAT IS HEREBY NOW BEING CHALLENGED IN WRIT COMPOSITION -- LEGALLY A CONSUMER COMPLAINT NOTICE IN DEMAND FOR A CHECK FOR COMPLIANCE AND FURTHER IRREFUTABLE EVIDENCE TO SUCH A CLAIM -- > THIS IS MY OFFICIAL WRITING COMPLAINT.
To Whom It Might Concern, Per FEDERAL and MY STATEs REPORTING LAWS, you MUST AFFIRM AND CONFIRM-ATE ANY and ALL ALLEGATIONs OF CLAIM YET STILL UNPROVEN. LAWFULLY CERTIFICATE PHYSICALLY THE CREDITOR CLASSIFICATION CODE ( S ), THE EXACT AND COMPLETE SEQUENCED AND METRO2 DATA FORMATTED 426 CHARACTER P-6 STATEMENT ( S ) AS WELL AS ALL OF THE APPLICABLE AND REQUISITE TRAILING FRAGMENTS, THE MINIMALLY MANDATED FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, EVERY AND ONE OF THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODES THAT DETAIL THE LEFT SIDEDNESS AND OR RIGHT SIDEDNESS OF ANY AND ALL PRECISELY ORDERED RECORDED ACCOUNT DESCRIPTIONS, ALL ASPECTS EXACTLY AND FULLY RELATED TO THE SEQUENCED 386 PIECES OF CONFIRMATION TO COLLECT ( -TIONS ), EACH CALENDAR DATE RECORDED, EVERY ALLEGED BALANCE INCLUDING THE TALLIED TOTALLINGS AND INVOICES FROM WHICH THEY WERE DERIVED, THE DOCUMENTED LEGAL AND CURRENT COLOR PHOTOGRAPHED IDENTITIES, THE ATTESTED ADDRESSES, THE NON-TRANSPORTED AND TRUE MARKS OF EXECUTION FROM THE ONE AND ONLY AND EXACTLY IDENTIFIED ME UPON AN ACKNOWLEDGEMENT OF THE DEBT ALLEGED OR EVEN CONDITIONS RELATED, AS WELL AS EVERY SINGLE ONE EVEN EACH ANY AND OR ALL OF THE REQUISITE STATE AND FEDERAL LAWS APPLICABLE, WHETHER KNOWN OR NOT, REGARDLESS IF MENTIONED OR NOT. YOU ARE UNAUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIALLY ENABLING O FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MIS-REPORTINGS OF MIS- INFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU. I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your consumer credit reporting agency -- WHICH BY THE WAY is self-proclaimed as being not only ACCURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consumer credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per XXXX XXXX XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. E-OSCAR also provides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily supports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Data form ( AUD ) processing as well as a number of related processes that handle registration, subscriber code management and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has are porting relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity reporting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle reporting to the CRAs. Within the report I saw that there were late installments noted in the record history. Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is otherwise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as REQUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN derogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or ADVERSE and yet UNPROVEN claims be it an account or an aspect of that account. PLEASE as you MUST, delete the foul mis-reportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else : ALLEGED CREDITOR/ DATA FURNISHER and ALLEGED ACCOUNT DEPT OF ED/XXXX XXXX XX/XX/XXXX {$77000.00} METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization. FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirms in writing the following personal information : 1- FULL LEGAL NAME as it appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth 5- Zip Code for my Home Address The CRSA enacted CDIA Metro 2 compliant reporting format REQUIRES the precise and exact fully complete 426-character P-Segment or Trailing Segment that is to include the minimally five portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as 11111 or 00000, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( s ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, E-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase III of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by CRAa. Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the CRSA, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the NYAG Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, they must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the CRSA enacted CDIA Metro 2 data field formatted reporting regulatory standards and obligations to include the 81-month time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the CDIA METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported 426-character P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE? Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Please verify and validate physically each and every claim of this alleged yet unproven to be my responsibility or fault. Please demonstrate readily and timely the precise confirming facts of the alleged account including every single one even each any and or all of its article aspects by federal laws. You must willfully and promptly DELETE TODAY even right now the deficient reporting or else present to me true documented certificated proof of all data, every notation, date, balance, calculation, audit, personal identifiers, each of the requisite 426-characters of the exact and fully compliant P6 statement, any alpha/numeric and or alphanumeric source4 code deciding the leftness or rightness states, and even every aspect of the mandated 386 pieces of confirmation to collection. This series of misreporting seems to me clearly involves a universal and complete failure by your firm to obtain, retain, maintain, and utilize adequate and lawful regulatory compliant and reasonable procedures to assure maximum possible accuracy of consumer credit information as described in at least 15 U.S.C. 1681. There is little doubt that you have no evidence that this clearly does belong to me, is exactly true, fully complete, within timely definition per federal standards and has been erroneously placed onto my credit report. The items of problematic accusations that I believe to be incorrect to its proper reporting and allowance of reporting per my state and federal laws are detailed both above and below.
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the NCRWG, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
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| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX XXXX AS OF XX/XX/XXXX spoke with XXXX XXXX supervisor at transunion Special handling at fraud department XXXX XXXX at TRANSUNION I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I have sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : Whom it may concern at XXXX TRANSUNION You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " TransUnion '' XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX about the accountsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX/TRANSUNION/XXXX XXXX XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud XXXX If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX/TRANSUNION/ XXXXTRANSUNION/XXXXIs also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( Transunion XX/XX/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/ ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX {$45000.00} XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX/TRANSUNIONXXXXXXXX XXXX XXXX OF THE ACCOUNTS REPORTED IN THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer reports I never gave ( TransUnion ) XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any_person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date XX/XX/XXXX which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. XXXXand TRANUNION is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ),
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| 03/19/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Hello my name is XXXX XXXX XXXX XXXX AS OF XX/XX/XXXX TRANSUNION AND XXXX still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I have sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : XXXX which continues until this date to report Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. XXXX XXXXAccount Number : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiry ) XXXX XXXX XXXX XX/XX/XXXX To : Whom it may concern at XXXX TRANSUNION You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " TransUnion '' XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC {$16000.00} ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint TRANUNION/XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX/ TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/ XXXXXXXX XXXXXXXX Number XXXX XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXXXXXX/TRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud . If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c-2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX/TRANSUNION/ XXXX/TRANSUNION/XXXX/Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION/XXXX XXXX XXXXAccount Number : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/XXXX/ XXXX XXXXXXXX Number XXXX XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiry XXXX XXXX XXXX XXXX XX/XX/XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXXAccount Number : XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent inquiry ) XXXX XXXX XXXX XXXXXX/XX/XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX/TRANSUNION/ XXXX XXXX Number XXXX XXXX Total fraudulent amount : {$420.00} XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent inquiry ) XXXX XXXX XXXX XX/XX/XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. I XXXX XXXX XXXX XXXX ON XX/XX/XXXX have SWORN THAT I never gave ( TransUnion ) XXXX ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of all associated accounts here in this complaint person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ). 15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. XXXXand TRANUNION is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act )
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| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute several inaccuracies in my credit report that have been reported by your agency. My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, but your agency has reported several incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This incorrect information has caused me significant financial harm and has affected my ability to obtain credit and other financial opportunities.
I believe that your agency has violated several laws, including the Fair Credit Reporting Act ( FCRA ) - 15 U.S. Code 1681, specifically Section 1681e, which requires that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report, and Section 1681i, which requires that credit reporting agencies investigate disputed information and correct any inaccuracies.
Furthermore, I believe that your agency has violated the Fair and Accurate Credit Transactions Act ( FACTA ) - 15 U.S. Code 1681c, specifically Section 1681c ( a ) ( 4 ), which requires that credit reporting agencies redact or remove certain personal information, including addresses, from consumer credit reports to protect against identity theft.
Additionally, I believe that your agency has violated the Equal Credit Opportunity Act ( ECOA ) - 15 U.S. Code 1691, specifically Section 1691 ( a ) ( 1 ), which prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, or age, and Section 1691 ( a ) ( 2 ), which prohibits creditors from requiring applicants to provide information about their spouse or former spouse unless the applicant is applying for joint credit, or the applicant resides in a community property state.
Furthermore, I believe that your agency has violated the Truth in Lending Act ( TILA ) - 15 U.S. Code 1601, specifically Section 1601 ( a ), which requires that creditors provide consumers with accurate and clear disclosures of the terms and conditions of credit, including finance charges and annual percentage rates.
Lastly, I believe that your agency has violated the Real Estate Settlement Procedures Act ( RESPA ) - 12 U.S. Code 2601, specifically Section 2605, which requires that loan servicers respond to borrower requests for information and complaints regarding errors in loan servicing.
Unauthorized inquiries : I have found unauthorized inquiries on my credit report that were made without my consent. These inquiries are a violation of the FCRA, specifically section 604 of the Act.
Inaccurate reporting : The information reported on my credit report by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurate XXXX incomplete, and outdated. The inclusion of such inaccurate information is a violation of the FCRA, specifically section 607 of the Act.
Failure to investigate disputes : I have previously disputed inaccurate information on my credit report, but the credit reporting agency or creditor failed to investigate or correct the information. This is a violation of the FCRA, specifically section 611 of the Act.
Failure to provide notice : I was not notified of an inquiry or other adverse action taken against me based on my credit report by XXXX XXXX. This is a violation of the FCRA, specifically section 615 of the Act.
One of my creditors, XXXX XXXX, has reported that I was 30 days late on XX/XX/XXXX on my account, but I never missed a payment on this account. This inaccurate reporting has severely impacted my credit score and my ability to obtain credit, as well as causing undue stress and XXXX
Furthermore, there are discrepancies in the dates being reported by the different credit bureaus. TransUnion has reported a Date of Last Activity date of XX/XX/XXXX, while XXXX and XXXX show XX/XX/XXXX. Similarly, TransUnion and XXXX have reported a Date Reported date of XX/XX/XXXX, while XXXX reports XX/XX/XXXX. XXXX and XXXX are showing a Date Opened date of XX/XX/XXXX, but TransUnion is reporting XX/XX/XXXX.
These inaccuracies and discrepancies are in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : FCRA Section 623 ( a ) ( 2 ) : This section requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate.
FCRA Section 623 ( a ) ( 5 ) : This section requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information.
FCRA Section 623 ( b ) ( 1 ) ( D ) : This section requires that when a furnisher of information provides information to a credit reporting agency, it must provide the date of delinquency on the account.
Furthermore, these discrepancies also potentially violate the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312, which requires furnishers of information to provide accurate and complete information to credit reporting agencies.
XXXX XXXX The discrepancies in the dates being reported by the different credit bureaus and the inaccurate reporting of a late payment have had a significant negative impact on my life.
As per FCRA Section 623 ( a ) ( 2 ), credit reporting agencies are required to maintain reasonable procedures to ensure that the information they report is accurate. However, the discrepancies in the dates being reported by TransUnion, XXXX, and XXXX suggest that the credit reporting agencies have failed to follow these reasonable procedures.
In addition, as per FCRA Section 623 ( a ) ( 5 ), credit reporting agencies are required to promptly delete or modify inaccurate or incomplete information. The late payment being reported on my account by XXXX is inaccurate and should be promptly deleted from my credit report.
Furthermore, as per FCRA Section 623 ( b ) ( 1 ) ( D ), furnishers of information, such as XXXX, are required to provide accurate information to credit reporting agencies. However, it appears that XXXX provided inaccurate information regarding the date of last activity, date reported, and date opened on my account.
XXXX XXXX XXXX XXXX XXXX XXXX According to TransUnion, the reported date of last activity is XX/XX/XXXX, XXXX reports XX/XX/XXXX, and XXXX reports XX/XX/XXXX. Furthermore, TransUnion reports a date reported of XX/XX/XXXX, while XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX. All three bureaus indicate that I was 60 days late on XX/XX/XXXX, even though I made all my payments on time.
These inaccuracies are in violation of several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, FCRA Section 623 ( a ) ( 2 ) requires credit reporting agencies to follow reasonable procedures to ensure that the information they report is accurate. The discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
In addition, FCRA Section 623 ( a ) ( 5 ) requires credit reporting agencies to promptly delete or modify inaccurate or incomplete information. The late payment being reported when no payment was missed is inaccurate and should be promptly deleted. Finally, FCRA Section 623 ( b ) ( 1 ) ( D ) requires furnishers of information to provide the date of delinquency on the account when providing information to a credit reporting agency. XXXX provided inaccurate information regarding the date of last activity, date reported, and payment status on the account.
XXXX I am very concerned about the discrepancies in the information being reported by the three major credit bureaus- XXXX, XXXX, and TransUnion- with regards to this account.
According to XXXX and XXXX, the Date of Last Activity is XX/XX/XXXX, but TransUnion is reporting it as XX/XX/XXXX. Additionally, TransUnion and XXXX are reporting Date Reported as XX/XX/XXXX, while XXXX still reports it as XX/XX/XXXX. Furthermore, XXXX is reporting Date Opened as XX/XX/XXXX, but TransUnion is reporting it as XX/XX/XXXX. Finally, TransUnion and XXXX are reporting the Last Payment date as XX/XX/XXXX, but XXXX is reporting it as XX/XX/XXXX.
These discrepancies indicate that the credit reporting agencies have failed to follow reasonable procedures to ensure the accuracy of the information they report, as required by FCRA Section 623 ( a ) ( 2 ). Furthermore, the inaccuracies in the information being reported suggest that FCRA Section 623 ( a ) ( 5 ) may have been violated, which requires credit reporting agencies to promptly delete or modify inaccurate or incomplete information. Lastly, it appears that XXXX has violated FCRA Section 623 ( b ) ( 1 ) ( D ) by providing inaccurate information regarding the date of last activity, date reported, date opened, and last payment date on the account.
my account with XXXX XXXX XXXX I have recently obtained my credit reports from TransUnion XXXX XXXX XXXX and XXXX and have found several discrepancies and violations of the Fair Credit Reporting Act ( FCRA ).
Firstly, according to TransUnion, the date of last activity on my account is XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. These discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy, in violation of FCRA Section 623 ( a ) ( 2 ).
Secondly, all three credit bureaus are reporting that I was 30 days late on XX/XX/XXXX, when in fact, I did not miss any payment on this account. TransUnion and XXXX are also reporting that my payment status is Late 120 Days, while XXXX is reporting Late 150 Days. This inaccurate and incomplete information violates FCRA Section 623 ( a ) ( 5 ), which requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information.
Thirdly, TransUnion and XXXX are reporting that the last payment date on my account is XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX. Similarly, TransUnion and XXXX are reporting a credit limit balance of {$2500.00}, which XXXX did not report. This inaccurate information violates FCRA Section 623 ( b ) ( 1 ) ( D ), which requires furnishers of information to provide the date of delinquency on the account.
XXXX XXXX XXXX XXXX has provided to the credit reporting agencies regarding my account. According to my credit report, there are several discrepancies in the dates reported by the different credit bureaus, which suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
Specifically, XXXX and XXXX are showing a Date of Last Activity of XX/XX/XXXX, but TransUnion is showing XX/XX/XXXX. Additionally, TransUnion is showing a Date Reported date of XX/XX/XXXX, but XXXX reported XX/XX/XXXX and XXXX reported XX/XX/XXXX. According to XXXX and XXXX, the Date Opened is XX/XX/XXXX, but TransUnion is showing XX/XX/XXXX. Lastly, TransUnion and XXXX are showing a Last Payment date of XX/XX/XXXX, but XXXX is showing XX/XX/XXXX.
These discrepancies have had a significant impact on my life. As a result of these inaccurate reports, I have been denied credit and have had difficulty securing loans. I have been working hard to improve my credit score and establish a good financial standing, but the incorrect information on my credit report is hindering my progress.
I would like to request that you enforce the legal requirements under the Fair Credit Reporting Act ( FCRA ) to ensure that my credit report accurately reflects my credit history. The discrepancies in the dates reported by the different credit bureaus are clear violations of FCRA Section 623 ( a ) ( 2 ), which requires credit reporting agencies to follow reasonable procedures to ensure that the information they report is accurate.
Furthermore, I believe that XXXX XXXX XXXX has provided inaccurate information regarding the date of last activity, date reported, date opened, and last payment date on the account, which is a violation of FCRA Section 623 ( b ) ( 1 ) ( D ). Therefore, I request that you promptly delete or modify this inaccurate information from my credit report.
XXXX XXXX XXXX XXXX, by the three credit reporting agencies.
According to all three bureaus, I was reported as being 30 days late on this account, but I did not miss any payment. Furthermore, there are discrepancies in the reporting of the Date of Last Activity, Date Reported, and Creditor Type on this account by the different credit bureaus.
These inaccuracies violate several sections of the Fair Credit Reporting Act ( FCRA ). FCRA Section 623 ( a ) ( 2 ) requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate. The discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
FCRA Section 623 ( a ) ( 5 ) requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information. The late payment being reported when no payment was missed is inaccurate and should be promptly deleted.
FCRA Section 623 ( b ) ( 1 ) ( C ) requires that when a creditor provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the creditor, XXXX, provided inaccurate information regarding the date of delinquency, which has resulted in a negative impact on my credit report.
FCRA Section 623 ( b ) ( 1 ) ( D ) requires that when a furnisher of information provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the furnisher of information, XXXX, provided inaccurate information regarding the date of last activity, date reported, and creditor type on the account.
XXXX XXXX XXXX Transunion is showing the Date of Last Activity as XX/XX/XXXX, while XXXX is showing it as XX/XX/XXXX and XXXX XXXX showing it as XX/XX/XXXX. Additionally, Transunion and XXXX are reporting the Date Reported as XX/XX/XXXX, while XXXX is reporting it as XX/XX/XXXX. Furthermore, XXXX is showing a Credit Limit of {$7500.00}, while the other credit bureaus did not report any credit limit.
These discrepancies are in violation of several sections of the Fair Credit Reporting Act ( FCRA ), including FCRA Section 623 ( a ) ( 2 ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information being reported. The discrepancies in the dates reported by the different credit bureaus suggest that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
In addition, FCRA Section 623 ( b ) ( 1 ) ( C ) requires that when a creditor provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the creditor, XXXX XXXX, provided inaccurate information regarding the date of last activity on the account, which has resulted in a negative impact on my credit report.
Finally, FCRA Section 623 ( b ) ( 1 ) ( D ) requires that when a furnisher of information provides information to a credit reporting agency, it must provide the date of delinquency on the account. It appears that the furnisher of information, XXXX XXXX, provided inaccurate information regarding the date reported and credit limit on the account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My credit report is showing that the account is open, but it is a collection account. However, I was never notified by the creditor that my account was sold to a collection agency.
Furthermore, there are discrepancies in the dates and account status reported by TransUnion and XXXX. TransUnion reported the Date of Last Activity as XX/XX/XXXX while XXXX reported it as XX/XX/XXXX. Additionally, TransUnion is reporting the Account Status as Open, but XXXX is reporting it as Closed.
These errors violate several sections of the Fair Credit Reporting Act ( FCRA ). Section 609 ( a ) ( 1 ) states that consumers are entitled to a free copy of their credit report from each credit reporting agency once every 12 months. If the creditor or collection agency did not notify me that my account was being sent to collections, it may have impacted my ability to monitor and address any negative information on my credit report.
Section 623 ( a ) ( 2 ) requires that credit reporting agencies follow reasonable procedures to ensure that the information they report is accurate. The discrepancy in the account status reported by TransUnion and XXXX suggests that the credit reporting agencies failed to maintain reasonable procedures to ensure accuracy.
Section 623 ( a ) ( 5 ) requires that credit reporting agencies promptly delete or modify inaccurate or incomplete information. If the account is indeed a collection account and is being reported as open by TransUnion, it may be inaccurate and should be promptly deleted or modified.
Finally, Section 623 ( b ) ( 3 ) ( A ) requires that when a consumer disputes information on their credit report, the credit reporting agency must provide written notice to the creditor or collection agency providing the information within 5 business days. If I have disputed the account status with the credit reporting agencies and they have failed to provide notice to the creditor or collection agency, they may be in violation of this section.
This inaccurate information has had a significant impact on my life. It has made it difficult for me to secure loans, obtain credit cards, and even rent an apartment. I have had to pay higher interest rates and fees because of the negative information on my credit report.
Therefore, I request that XXXX XXXX XXXX remove this unverified account from my credit report. I also request that the credit reporting agencies enforce the legal requirements outlined in the FCRA and ensure that accurate and complete information is reported on my credit report.
Sincerely, XXXX XXXX
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| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This debt alleged by XXXX is hereby Disputed according to the FDCPA 1692. XXXX admits finally receiving the payment on XX/XX/XXXX therefore the payment was not 30 days late. Such was done with proof of service and signatures required signed by all creditors as of Date when mailed out via USPS with proof of service. The law stalest that i must receive a Written Notification About Debt The law : Within [ 5 ] five days of initially contacting me, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. They have failed to do this. Their response was a letter of decline of the Tender Of Payment. They used false statements and misleading documents to create a myth of a Deed Of Trust over the Tender Of Payment, which is fraud and perjury. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment! The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online verbal or any other alleged consent agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.Attached are the FDCPA laws. The Corporation or Bank Threatened to Contact Someone or Share Information Improperly - The law : Collectors can call third parties such as family, neighbors, friends or co-workers only to locate the debtor. This debt is in dispute and can not be reported until validated and verified but such was stated that they would report to TransUnion, XXXX, and XXXX and others if i didn't make a payment. Therefore all are hereby notified that I [ lower case name as printed ] do hereby tender payment for the above referenced obligation of debt, and because this debt concerns property of the United States it is deemed by law and operation of statute to be a government obligation and must be handled in accord with the dictates of statute. I have accepted the obligation on behalf of the United States of America and hereby make assignment of the obligation to the United States Treasury Department on behalf of the United States of America as authorized by statute. They were to present the item ( remittance coupon ) to the United States Treasury Department or at any Federal Reserve bank to include any Federal Reserve member banks to redeem the value of the obligation. As per the terms of the contract this shall serve as my notice of change in terms of contract, cancelling and or suspending any acceleration penalties and paying the US government debt obligation for value through acceptance pledging an assignment in full. It has been over [ 25 ] twenty five days and nothing has posted as paid tendered or discharged and this disables me [ lower case name as printed ] by way of doing business employment and living free. I have the United States Post Office signed forms 3811 green cards which is the delivery proof which is undeniable, and therefore the payment was received on time and is not late, as well the payment format was never returned to me. Rather on the complaint website the Corporation/Bank stated that they have declined payment format. If such the debt obligation is DISCHARGED! 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, XXXX XXXX XXXX, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge.
Verification - Doesn't mean that you send an in-house made up accounting ledger for this can be done by anyone you'll need to produce 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 4 ) not communicate by post card ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; and. ( 6 ) after the debt collector knows the consumer is repre- sented by an attorney with regard to the subject debt and has knowledge of, or can readily ascertain, such attorneys name and address, not communicate with any person other than that attorney, unless the attorney fails to respond within a reasonable period of time to communication from the debt collector.
Validation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this.
806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay.
. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity.
807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
. ( 3 ) The false representation or implication that any indi- vidual is an attorney or that any communication is from an attorney.
. ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
1. Section 604 ( 3 ) has been renumbered as Section 604 ( a ) ( 3 ).
. ( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
. ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter.
. ( 7 ) The false representation or implication that the con- sumer committed any crime or other conduct in order to disgrace the consumer.
. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a docu- ment authorized, issued, or approved by any court, of cial, or agency of the United States or any State, or which creates a false impression as to its source, autho- rization, or approval.
. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
. ( 11 ) The failure to disclose in the initial written communi- cation with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempt- ing to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
. ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
9 15 USC 1692f. ( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
. ( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
. ( 16 ) The false representation or implication that a debt col- lector operates or is employed by a consumer reporting agency as de ned by section 1681a ( f ) of this title.
You have done so without impunity and correction.
808. Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limit- ing the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obli- gation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
. ( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than ve days unless such person is noti ed in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three busi- ness days prior to such deposit.
. ( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the pur- pose of threatening or instituting criminal prosecution.
. ( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
. ( 5 ) Causing charges to be made to any person for com- munications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
Each time you contacted the debtor in this matter you added late charges and fees after a Tender Of Payment was delivered and served upon you without response within five [ 5 ] business days. Neither have your bank agency or corporation responded within the five days to say if you deny or accept the payment either way it is set for discharge.
809. Validation of debts. ( b ) Disputed debts If the consumer notices the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communica- tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
. ( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
12 ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly re- quired by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connec- tion with debt collection for purposes of this section.
We demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud.
812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. The documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me.
It appears that XXXX is using the credit agency or bureau TransUnion to promote false information which goes against the FDCPA and the FCRA. The signature they have produced as you can see is not my signature but in cursive that states WITHOUT CONSENT. My signature is my name printed and such is the legal and lawful way to sign your name. Also they have deleted numbers that i also printed next to my name using whiteout or some form of deletion. They asked me if i had received a Demand payoff letter and i have and such is attached with the Tender of Payment with my real signature printed on the Tender of Payment. There is no contract with XXXX. The Promissory Note which covers the payment how ever Tendered was done in full and they declined payment therefore this debt is Discharged by law. XXXX has used suspicious conveyance of language which is language fraud. Attempting to steel my property. I have contacted them since they arrived on the scened XX/XX/XXXX. I asked them how they acquired my private and personal information and they did not respond. In fact they have failed to respond to all of my request filed since XX/XX/XXXX. At one point in time XXXX called themselves the Lender and that they would also be servicing the alleged debt. Another time they changed it and called Fannie Mae the Lender and XXXX the servicer. Please see attachments.
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| 03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX/ ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 09/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Full Name : XXXX XXXX Social Security # XXXX Date of Birth : XXXX XXXX XXXX Current Address : XXXXXXXX XXXX XXXX XXXX GA XXXX RE : NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood.
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, '' if executed outside of the United States '' that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S. C. 1001.
Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. C1001 . Additionally, these misstatements are punishable as perjury under 18 U.S. C. 1621.
15 U.S. Code 1666B 15 U.S. Code 1666 15 U.S. Code 1681 B ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Acc
urate : correct in all details ; exact.
PROHIBITION : a law or regulation forbidding something As Defined by The IRS 15 U.S. Code 1666B 15 U.S. Code 1666 15 U.S. Code 1681B The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
*SEE ATTACHED DOCUMENTS : I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Therefore, these below disputed accounts must be deleted..
. Remove Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX See attached documents Likewise, these XXXX XXXX Late Payments, Charge offs are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX, XXXX, Transunion closed Late payment dates- XXXX XXXX ( Past 7 years also ) Incorrect balanced owed, high balance, joint acct, collection/charge off XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX Policy states, According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection ( t, if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 6 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type fraudulent activities.
I must be noted that I did not apply for credit accounts with the below listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve these accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company.
These inquiries are the result of fraudulent activity and therefore inaccurate information in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out of my credit file.
CREDITOR INQUIRIES : XXXXXXXX XXXX DATE OF INQUIRY : XXXX CREDITOR INQUIRIES : XXXX XXXX DATE OF INQUIRY : XXXX CREDITOR INQUIRIES : XXXXXXXX XXXX DATE OF INQUIRY XXXX XXXX CREDITOR INQUIRIES : XXXXXXXX XXXX DATE OF INQUIRY : XXXX CREDITOR INQUIRIES : XXXX DATE OF INQUIRY XXXX XXXX CREDITOR INQUIRIES : XXXX XXXXXXXX XXXX DATE OF INQUIRY : XXXX CREDITOR INQUIRIES : XXXX XXXX XXXXXXXX DATE OF INQUIRY : XXXX CREDITOR INQUIRIES : XXXX XXXX XXXX ATE OF INQUIRY : XXXX CREDITOR INQUIRIES : XXXX DATE OF INQUIRY XXXX CREDITOR INQUIRIES XXXX XXXX DATE OF INQUIRY : XXXX CREDITOR INQUIRIES : XXXX XXXX XXXXXXXX DATE OF INQUIRY : XXXX CREDITOR INQUIRIES : XXXX XXXX XXXX DATE OF INQUIRY : XXXX CREDITOR INQUIRIES : XXXX XXXX XXXX XXXX DATE OF INQUIRY : XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states...
According to the FAIR CREDIT REPORTING ACT " FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.
Block, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information thet resulted from an alleged identity theft, not later than four ( 1 ) business days after the date of receipt by such agency of.
1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the Consumer.
All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA.
The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance. gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance. gov/learnmore.
Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate.
Sections 628 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnicher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 628 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section623 ( a ) ( 8 ). Federal regulations available www.consumerfnance.gov/learnmore. Section 623 ( a ) ( 8 ) At Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 6236 ) ( 1 ) ( A ) and ( b ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section
623 ( 6 ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( 6 ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( 6 ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time perio
d in which the account was closed.
Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file.
Section 623 ( a ) ( 6 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( ) ( 6 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact.
Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct.
Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances.
Section 615.
The CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report.
YOU HAVE 4 Calendar days to DELETE THESE ACCTS FROM MY CONSUMER REPORTS!
I have provided all of the above listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers Credit Reports Drivers License Social Security Card [ EXHIBIT ] proof of my Personal Identification
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| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/XXXX XXXX received my dispute letter as shown on Exhibit A. XXXX results show the accounts as verified and accurate. This has been my 5th Dispute for the credit lines below. In the letter I also wrote Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation. Thank you in advance. I was exercising my rights per FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute which was not afforded to me. My right was violated as per FCRA 611 ( a ) ( 8 ) these accounts should be promptly deleted and I should receive a phone call or have written confirmation.
I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with the creditor. Please include all names and contact information of employees that you spoke to as part of this investigation. All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request.
I was asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
These accounts are adversely affecting my credit and/or consumer reports and costing me thousands of dollars in interest every year. After your investigation of these accounts and after verifying that all account information is accurate I have found that your investigation was not done correctly. I want the description of the procedure used to determine the accuracy and completeness of the information of the accounts listed below.
15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The accounts and erroneous items are listed below : XXXXXXXX XXXX # XXXX Address Identification number : not available. This account does not have the correct address. This account does not belong to me. This is inaccurate reporting please Remove the account immediately. As shown in Exhibit B.
On XXXX until. It is not reporting correctly for all three bureaus. This is inaccurate reporting please delete the account. This is re-aging of accounts. As shown in Exhibit D.
Status. Shows a past due balance that increases monthly with a scheduled payment amount showing {$0.00} amount every month. This is inaccurate reporting please delete the account. As shown in Exhibit C.
Account XXXX. Has missing data from XX/XX/XXXX ( date opened ) to XX/XX/XXXX. Does not show 30, 60, 90, 120, 150, and/or 180 days late. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As shown in Exhibit E.
Does not show date of last payment, therefore the information is incomplete.This is inaccurate reporting please Remove the account immediately.
Does not show date of 1st delinquency, therefore the information is incomplete.This is inaccurate reporting please Remove the account immediately.
A Collection/ Charge off account is by default late and past due. By adding a past due balance and past due on the remarks/status section is inaccurate reporting please Remove the account immediately.
Balance History. Shows no data for payment received, scheduled payment, and actual payment amount. This is incomplete and inaccurate reporting please Remove the account immediately. As shown in Exhibit B.
Company Sold. This account was sold/transferred to XXXX XXXX XXXX XXXX XXXX This is incomplete and inaccurate reporting please Remove the account immediately. As Shown in Exhibit E.
Original Creditor. No Data. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit E.
Date closed. No Data. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit G.
Last Payment. No Data. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit G.
Days Late - 7 year History. 0 days late 30, 0 days late 60, 0 days, 90. It can not be charged off if the account has never been late. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit G.
XXXX XXXX XXXXXXXX ACCT # XXXX Address Identification number : not available. This account does not have the correct address. This account does not belong to me. This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit H.
Account History. This shows that this account is closed in XX/XX/XXXX to XX/XX/XXXX. Reopened and 30 days late in XXXX and 60 days late in XXXX then back to closed on XXXX and XXXX of XXXX. A closed account is no longer a revolving credit account which can not be late. This means anything after XX/XX/XXXX would have had to be late to begin with. This is inaccurate reporting, It is not reporting correctly for all three bureaus, please Remove the account immediately. As Shown in Exhibit H.
Closed Date. No data.The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit I.
Recent Payment Amount. Not Reported.The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit H.
Recent Balance. Not Reported. The information is incomplete.This is inaccurate reporting please Remove the account immediately. As Shown in Exhibit H.
XXXXXXXX XXXX XXXX # XXXX 30 day late in XX/XX/XXXX was due to failure to receive my periodic statement. As per 12 CFR 1026.41 ( b ) Timing of the periodic statement. The periodic statement must be delivered or placed in the mail within a reasonably prompt time after the payment due date or the end of any courtesy period provided for the previous billing cycle.
I never received this periodic statement. If XXXX has proof such as certified mail that this was indeed sent, delivered and received ; otherwise this is inaccurate reporting and this late payment should be removed immediately. If there is any proof, it should be provided under this investigation for the consumer to review. As Shown in Exhibit J.
30 days late in XX/XX/XXXX is inaccurate reporting. As per FCRA 623 ( a ) ( 1 ) ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. This account was in forbearance falling under accommodations as per Regulation Z definitions and the consumer brought this account current. This should report as current as per this law. As Shown in Exhibit J.
( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term " accommodation '' includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
Payment History. No Data for XX/XX/XXXX to XX/XX/XXXX. No Data for XX/XX/XXXX. No Data for XXXX to XX/XX/XXXX. No Data for XXXX to XX/XX/XXXX. No Data for XXXX to XX/XX/XXXX. The information is incomplete.This is inaccurate reporting please update the account immediately. As Shown in Exhibit J.
XXXX. XXXX ACCT # XXXX Consumer called Furnisher/Creditor on Saturday XX/XX/XXXX at XXXXXXXX XXXX EST and spoke with a banking agent/Specialist named XXXX and asked for a Late Fee waiver for late fee issued in XX/XX/XXXX. The late fee was waived for this XX/XX/XXXX and credited on the next months billing statement. This is considered an accommodation as per FCRA 623 ( a ) ( 1 ) ( F ) REPORTING INFORMATION DURING COVID19 PANDEMIC. This should report as current as per this law. As shown on Exhibit K.
( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term " accommodation '' includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.
( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
30 day late in XXXX and XX/XX/XXXX was due to failure to receive the periodic statement. As per 12 CFR 1026.5 ( b ) ( 2 ) ( ii ) ( A ) the furnisher/creditor/card issuer does not treat as late for any purpose. If XXXX has proof such as certified mail that this was indeed sent, delivered and received ; otherwise this is inaccurate reporting and this late payment should be removed immediately. If there is any proof, it should be provided under this investigation for the consumer to review. As shown on Exhibit K.
( A ) Credit card accounts under an open-end ( not home-secured ) consumer credit plan. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, a card issuer must adopt reasonable procedures designed to ensure that : ( 1 ) Periodic statements are mailed or delivered at least 21 days prior to the payment due date disclosed on the statement pursuant to 1026.7 ( b ) ( 11 ) ( i ) ( A ) ; and ( 2 ) The card issuer does not treat as late for any purpose a required minimum periodic payment received by the card issuer within 21 days after mailing or delivery of the periodic statement disclosing the due date for that payment.
Payment History. XXXX shows 3 late payments. Transunion shows 2 late payments. XXXX shows 2 late payments. This is inaccurate reporting please Remove the late payments immediately and show as current. As shown on Exhibit L.
As per FCRA 623.Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
As per FCRA 611 ( a ) ( 1 ) ( A ) If the completeness or accuracy of any item of information contained in a consumers, or applicants, file at a consumer reporting agency ( such as Justifacts ) is disputed by the consumer. The consumer notifies the agency directly, or indirectly through a reseller, of such a dispute, the agency must, free of charge conduct a reasonable reinvestigation. This reinvestigation will determine whether the disputed information is inaccurate and record the status of the disputed information, or delete the item from the file. This must be done before the end of a 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
On XX/XX/XXXX, I mailed you a letter on XX/XX/XXXX disputing information in consumer reports compiled, maintained, and published by you allegedly concerning regarding the following : XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX Per XXXX records, you received my dispute letter on XX/XX/XXXX.
Accordingly, as per FCRA you were required to conduct a reasonable investigation and delete the disputed information as I requested before the end of the 30-day period of the date you received my dispute letter. You received my dispute letter on XX/XX/XXXX. Therefore your response was due on or by XX/XX/XXXX. Instead of sending me a response letter with tresults of your investigation of the disputed information, you mailed me a letter dated claiming Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary.
Clearly, you have willfully failed to delete the disputed information as I have requested. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation of my dispute because we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. However your excuse of assumption is not a valid reason under the FCRA to not reinvestigate my dispute. Note, you have not made any reasonable determination that my dispute was frivolous and irrelevant. Nor have you sent me a notice of such determination that complies with the FCRA. Furthermore, I directly dispute the completeness and accuracy of information contained in my consumer file. As per the FCRA, your failure to reinvestigate is an intentional and/or negligent FCRA violation XXXX
As a result of your conduct as described above you shall promptly delete the disputed information. Additionally, as per the FCRA, you are liable to me for damages for your conduct. Thus, in addition to your deletion of the disputed information, you are commanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. Be advised, this is NOT another dispute or opportunity for you to reinvestigate the previous dispute. As per your response the accounts were verified to be accurate. The allowable period to conduct such a reinvestigation has expired and shall not be extended by law.
After multiple attempts to dispute this experian, transunion, and XXXX have failed to properly do a good faith attempt at a proper investigation. the tradeline and/or data furnisher and/or creditor have also failed to provide correct data to the consumer reporting agencies.
I would like to know who each of the consumer reporting agencies spoke to in their investigation?
How did each consumer reporting agency complete the investigation?
How did each consumer reporting agency reach a conclusion and figure their results in their investigation?
According to the credit/ consumer reporting agencies the accounts have been verified and accurate but they have reached these results by only parroting information they have received from the data furnishers.
I would like to have all documents that aided the consumer reporting agency to reach a conclusion on their investigation.
According to the law 15 U.S. Code 1681a- Definitions ; rules of construction The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
in my last dispute I disputed all the accounts listed above and XXXX has failed to place all those accounts under dispute and has failed to provide results in more than 30 days.
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| 07/27/2022 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), Transunion, XXXX, and XXXX : Investigation by XXXX XXXX XXXX XXXX took more than 30 days from my opening of a direct dispute on XX/XX/XXXX.
Investigation by XXXX XXXX XXXX XXXX took more than 30 days from XX/XX/XXXX, XXXX Credit bureaus did not update reports during these periods stating that the information was being disputed with XXXX; perhaps XXXX violated FCRA by failing to contact the credit bureaus to inform them of these disputes. Credit reports were not provided to me during these periods.
I was not notified timely of investigation status or results.
I was not provided with any names of people contacted and other elements, etc. connected to these investigations per the FCRA 's definition and requirements of an investigation.
Their investigation did not fix the many inaccuracies that I pointed out to them on my report, which they have inaccurately reported for years. Please see the emails from two XXXX executives and their remarks acknowledging the inaccuracies ; the timeframe ( longer than 30 days - months even ) that has passed and yet no removals have been made per FCRA.
I've had difficulty submitting disputes or getting information about a dispute over the phone with credit bureaus.
I realized during the summer of the pandemic that my XXXX credit card account had some serious inaccuracies and reporting issues. I then realized the reason for my credit denials and high interest rates for any credit that I could obtain since XXXX and high insurance premiums. For almost two years, I have disputed inaccuracies across the 3 bureaus and directly with XXXX XXXX XXXX XXXX for my credit card account ending in XXXX. There have been instances where they suppressed my credit report so that I could not see the years in question whenever I pulled the reports, therefore I could not resubmit a dispute because there was no item listed to dispute. There are many violations per FCRA on this account due to it not being reported 100 % accurately. It has been happening for years and they willfully refuse to do anything about it. The bureaus have stated that they report the data that XXXX supplies to them. There have been times where there were different balances reporting at the 3 bureaus and I had to dispute those to have them all updated. There have been different account statuses over the years where one would say " pays as agreed '' and another would say " Late over 30 days at least 6 times '' or " Current, was 90 days past due '' during the same reporting period. The date account opened and date account closed do not match on the 3 bureau reports either. Each time I have disputed the account with the bureaus and with XXXX directly, they send back the same response, that the account is reporting accurately. If the account is reporting 100 % accurately, why are all of the account statuses, date opened, date closed, amount of days late, amount of times late, etc. reported differently with all 3 bureaus? I have submitted copies of my credit reports from the 3 bureaus and a table showing the inaccuracies to the bureaus and XXXX and they still say that this is 100 % accurate and have willfully chosen to keep the information the same. My credit and opportunity for any new credit has been ruined due to this one account. In XX/XX/XXXX, I received a subprime auto loan due to these inaccuracies and the reporting of this account. I have had to pay astronomical interest for this car loan due to the inaccuracies and the way in which this account is reporting. I am certain that my car insurance rates were even higher due to this as well.
XXXX has instructed the customer service representatives via notes in the system that they are to refer me to the executive team for this matter and they can no longer work on this case or give me updates as it is out of their hands on the lower level. Customer service reps have told me all that they see in the system is a note that says the items will be deleted, but there is nothing they can do because it is an escalated item. The thing is, none of the executives are available by phone ; they are avoidant, delay the process, dishonest, not engaging and not interested in resolving this matter. I have emailed the CEO of XXXX and he promised me that they would submit an XXXX XXXX XXXX to the credit bureaus in XX/XX/XXXX to resolve the matter. It is XX/XX/XXXX and nothing has changed except the bureaus have made unauthorized alterations and modifications. I have been rerouted to another XXXX XXXX, XXXX XXXX and he is always out of the office, on another call, on vacation, or awaiting someone else in the department to give him an opinion when he is the decision maker. He told me over the phone that he could bring remedy to this when there were damages that were discovered. He clearly sees them via the credit reports and charts that I compiled and sent to him via email and the CEO does as well, but they refuse to resolve it and compensate me for the violations. Over the years, I have been denied credit by XXXX and other creditors because of this account. On XX/XX/XXXX, I called XXXX and XXXX because XXXX bank told me that they could not increase an existing tradeline for me because there was a note on the XXXX account stating that I was late. I was not late and had not been, and could not see that note on my personal consumer reports. Subsequently, XXXX Bank closed down the account which was in perfect standing with excellent payment history. On XX/XX/XXXX, XXXX denied me for a personal loan due to this account which is housed with them. However, they are always emailing and mailing me advertisements as if the opportunities are open to me.
After several disputes and calls, and being told by XXXX and the 3 bureaus that the account was 100 % accurate I filed another dispute directly with XXXX via email to XXXX on XX/XX/XXXX. ( attachment ) I told them that they could not do a hard or soft pull on my credit to check the data, as they should have an accurate record and archive of what they have reported to the bureaus on file.
Despite me sending an outline of the inaccuracies and violations attached to the email, on XX/XX/XXXX ( 45 days later ) I received a response letter via postal mail that said the account was accurate and they will continue to report it as-is. I'd compiled a chart to make it easier for them to see where the inaccuracies lie, hoping this would make the process go better and faster. If they were reporting 100 % accurately as they continue to state, why do each of the bureaus have different information and why does none of the information match for the months/years, statuses, and dates in question? ( response letter attachment ) Also, XXXX did not notify the bureaus that I was disputing the information that they continued to report during this time. I received no correspondence from the bureaus regarding the matter, and no copies of my credit report during this period. No notices were included, stating that I was disputing this information.
In XX/XX/XXXX, I emailed the CEO of XXXX, XXXX XXXX. I explained the situation to him since no one else in the institution would budge and any supervisor who was in the credit department was always unavailable according to customer service. His response was boilerplate as well ; stating that they must report accurate information by law. That was my point exactly ; they were not following the law with all of those inaccuracies. He told me that they could not honor my request at the time and that they'd done a soft pull on my credit and saw no inconsistencies in reporting. I specifically wrote them via email in XX/XX/XXXX, and told them that they did not have my permission to do a hard or soft inquiry on my credit report, yet he claims that they did it anyway -- against my written instructions telling them not to.
I filed another dispute with the bureaus and I received responses from them at the end of XX/XX/XXXX, stating the same ; the creditor says the information is accurate. ( credit reports attached ) I noticed that XXXX made modifications to the payment history after I disputed this time, yet they did not remove it from the file ; they reduced the amount of time on each occurrence as if they were doing me a favor, which is again, still inaccurate data! You will see on my chart and previous credit reports before the XX/XX/XXXX dispute results, that XXXX was reporting a certain amount of days prior to the XX/XX/XXXX dispute, and on the XX/XX/XXXX dispute results they modified the time under the " Account History with Status Codes '' section that show XXXX and XXXX data. The number of days that fall within the status codes do not match the number of days they were reporting in previous reports. Still, none of the data matches what the other bureaus have for this account for those same months/years. I was confused as to why they did this.
I called XXXX to follow up and continue to fight for my rights on XX/XX/XXXX. I spoke with XXXX. The XXXX # was XXXX. I was given the extension to the credit dispute department which I was told was XXXX at the time.
XXXX XXXX emailed me back on XX/XX/XXXX and stated that on XX/XX/XXXX, the automated universal dataform was submitted to the bureaus. XXXX submitted an automated universal dataform to all XXXX bureaus to fix the matter. ( email thread attachment ) On or around XX/XX/XXXX, I called XXXX at XXXX XXXX. and after 47 minutes, the representative came back on the line and told me that they were awaiting a confirmation letter from the credit bureaus that the XXXX and XXXX items had been deleted from my report and that I'd receive a letter after that. This was 3 months after the CEO of XXXX told me in XXXX that it would only take 30 days for the process. When I contacted the bureaus, they said that they had not received anything from XXXX except normal data like my payment updates whenever I made monthly payments, and if they had received anything additional, they would have updated the account accordingly.
XXXX reps have given me various case numbers over time after time including : XXXX ( XX/XX/XXXX ), XXXX ( XXXX XXXX, XXXX ), XXXX ( XX/XX/XXXX ).
I received a letter in the mail dated XX/XX/XXXX stating that the new case that was opened by a XXXX representative was closed due to the issue already being completed, however I had no clue as to what issue had been completed! Nothing had been completed or resolved. I'd received no written correspondence or update from XXXX, although the CEO promised in XXXX that I would within 30 days from the date they'd submitted the XXXX to the bureaus.
After receiving the letter stating the issue had been resolved, on XX/XX/XXXX, I pulled my credit reports and XXXX was reporting 8 late payments, had changed all of the " number of days late '' data and reduced all instances to 30 days, changed the status to " Current, was past due 30 days six times or more '' and the status date was still XX/XX/XXXX, but the payment date for that month was reported as XX/XX/XXXX. Transunion deleted 4 of the inaccuracies and kept 4, and the status read as " Paid, or pays as agreed '' yet the number of days for the instances that they continued to report did not match XXXX 's data reporting or status. I am not certain what process they used to choose which 4 to delete and which 4 to keep. The year XXXX was suppressed on Transunion 's XX/XX/XXXX report and I could not view this data. The same thing for XXXX, 4 instances were deleted and 4 were kept and they were not the same month or amount of days that Transunioun was reporting chose ; none of the account information matched. The year XXXX was also suppressed in this report. Both statuses read the same, " pays account as agreed '' and the status updated date was XX/XX/XXXX. After I expressed that I felt I was being discriminated against, XXXX and/or XXXX even removed the excellent payment history that I had on a PenFed Installment account that was opened in XX/XX/XXXX. When I called them and questioned why they'd removed my payment history from the XXXX installment account, they told me that XXXX could do it if they wanted to. To sum it up, XXXX and the 3 bureaus did not notify me about these changes. I received no correspondences by mail, no copies of my credit reports, no communication whatsoever. I only knew because I monitor my reports on a consistent basis. The letter that I received on XX/XX/XXXX and these data changes prompted me to call XXXX the next day.
On XX/XX/XXXX, I called XXXX and spoke with a representative regarding the letter that I'd received, which stated that the " issue '' had been resolved. I thought that they'd finally resolved the matter like they promised, but to my suprise my credit reports remained the same after this - not reporting 100 % accurate and with so many inaccuracies, violations, and modifications on this one account. They told me I had to continue waiting and it was an executive issue now.
On XX/XX/XXXX, I spoke with XXXX 's dispute department and they claimed that they would remove the late payment reporting due to the inaccuracies reporting on the account across the bureaus for XXXX and XXXX, and instead they deleted my entire account - erasing all of the excellent payment history, eliminating an account as well which decreased my credit score and history. On XX/XX/XXXX, I spoke with XXXX at or around XXXX XXXX., inquiring as to why they deleted the entire account as opposed to the inaccuracies only and they stated that I must submit a letter of verification that the XXXX account belongs to me and that it is accurate! They clearly never asked my permission to report it from the beginning, but now since I've asked them to right their wrong-doing, and challenged their modifications, lack of investigation and refusal to take my evidence as proof of the FCRA violations XXXX they punished me by deleting an account that I've worked so hard to maintain rather than just fix the inaccuracies.
Here 's where XXXX 's major problem may be. In XXXX, I recall XXXX offered me a " re-aging '' program. They told me that they would re-age the account and that re-aging would not hurt my credit. I have done that, but they did not tell the truth. I have paid this closed {$17000.00} tradeline account down to {$2200.00} in less than 4 years and they have done nothing but ruin my credit and my life since then, and the bureaus have helped them to keep this up by reporting the inaccuracies. They closed the tradeline, did not report the account 100 % accurately, denied me credit and other creditors denied me credit due to this account, and the notes and various statuses that they added to the account over the years. It has been over 6 months since the CEO of XXXX promised me that the XXXX would go out to the bureaus to make this account 100 % accurate and that has not happened as the email thread will and credit reports will show.
They have had well over a year to resolve the issue. Attached, you will see credit reports and a chart that show the side by side 3-bureau comparison of original data reporting and violations. You will also see email correspondences between XXXX departments/executives and me, and you will see current reports that show that they have not resolved this matter and the inaccuracies and FCRA violations are still there. When I have complained numerous times to Transunion and XXXX and opened disputes over the phone, I did not receive a credit report by mail or in any other form. Whenever I called to check the status, I was told that there was no dispute on file. They were using this method to start the 30-day process over again and delay time. I also noticed all of my disputes that have been filed online are missing from the online archives portal in my account. They suppressed my reports and I can only view 2 or 3 years which all show excellent payment history, but a creditor can view every year reported beyond those years and I can not ; nor can I dispute that information if it is not listed. I had to view the reports on XXXX which sometimes I'd get a message saying I could not view the reports at this time. I was finally able to submit a dispute and get a response in XX/XX/XXXX which I spoke of previously.
XXXX now reports a status that says that I have XXXX late payments on myequifax.com, but when I scroll back through the years, all of the inaccuracies from XXXX are still there. When I pulled my current XX/XX/XXXX XXXX report from myannualcreditreport.com, I can see all of the inaccuracies are still reporting and do not match the other bureaus. Previously, they'd deleted 4 payments and kept 4 on the report. Now all 8 are showing again and still do not match the information reported by the other bureaus during this reporting period. Additionally, my XXXX installment account which had excellent payment history was wiped clean of all payment history. They deleted all of my payments and the installment account was never late, was paid off early in XXXX and had nothing to do with this situation. If they must report information accurately, how can they tamper with a positive account with excellent history that was paid and closed 5 years ago and has nothing to do with the situation ; yet refuse to fix the account that is being disputed and has inaccuracies? That is another violation of my rights and FCRA. I want to be compensated for those violations as well, for every payment that is missing from the XXXX installment account, which is dated from XX/XX/XXXX- XX/XX/XXXX. This was done intentionally after I mentioned discrimination over the phone. Transunion and XXXX are still reporting the payments, however some of them are missing as well when they were not before.
Transunion remains the same, reporting inaccurate information. XXXX deleted the entire account based upon the credit reports and chart that I submitted for the second time, affecting my credit score because I lost an 8 year old account and its history which affected my scoring calculations. All of the bureaus and XXXX have willfully violated the Fair Credit Reporting Act for years, have violated my rights, caused financial loss and detriment. I am still dealing with the effects of it to this day with a subprime auto loan and high insurance premium ; let 's not forget the numerous times I was denied credit opportunities when I, my family and business needed it.
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| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. If a consumer contacts any consumer reporting agency that is not described in section 1681a ( p ) of this title to communicate a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, the agency shall provide information to the consumer on how to contact the Bureau and the consumer reporting agencies described in section 1681a ( p ) of this title to obtain more detailed information and request alerts under this section. account name ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these comanies are in clear violation of my consumer rights ia i am federaly protected the the FCRA AND THE CFP15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. Legally, the right of privacy is a basic law which includes : The right of persons to be free from unwarranted publicity. Unwarranted appropriation of one 's personality. Publicizing one 's private affairs without a legitimate public concern. 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection
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| 05/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I told TRANSUNION LLC to investigate every piece of information on the accounts I have listed below.
TRANSUNION LLC responded via a copy machine generated illegal ( CREDIT FILE DOCUMENT # XXXX ). I will include images of letter.
This ( CREDIT FILE DOCUMENT # XXXX has violated my federally protected consumer rights under the FRCA 15 USC 1681. has violated my rights TRANSUNION LLC XXXX CREDIT FILE DOCUMENT # XXXX. has violated my federally protected consumer rights under 15 U.S.C 1681 section 602 A. has violated my rights The accounts below have been removed and re adding back on my person credit MULTIPLE times, proven none of these accounts listed below has been properly verified and 100 % accurate.
In accordance with the Fair Credit Reporting act.
TRANSUNION LLC has violated my federally protected consumer rights under the FRCA 15 USC 1681. has violated my rights TRANSUNION LLC violated my federally protected consumer rights under 15 U.S.C 1681 section 602 A. has violated my rights TRANSUNION LLC has violated my federally protected consumer rights15 U.S.C 1681 Section 604 A Section 2 : has violated my rights 1. Account name : Designed Receivable Solution Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S. Code 1681i ( g ) ( A ). has violated my rights 1.Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S.C 1681 Section 604 A Section 2. has violated my rights 1.Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXXday period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the XXXX-day period described in subparagraph ( A ) may be extended for not more than XXXX additional days if the consumer reporting agency receives information from the consumer during that XXXX-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXXday period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the XXXXbusiness-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of noticeA notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D XXXX XXXX XXXXXXXX XXXX Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) ContentsAs part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolutionIf a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than XXXX business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than XXXX XXXX words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within XXXX years prior thereto received a consumer report for employment purposes, or within XXXX months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to XXXX ( 1 ) In generalThe Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act XXXX XXXX shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilitiesEach consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The XXXX may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The XXXX shall submit to the XXXX XXXX Banking XXXX Housing, and XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a disputeIf a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within XXXX business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than XXXX days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( 3 ) Responsibility of consumer reporting agency to notify consumer through XXXX the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
XXXX Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of names below has violated my federally protected consumer rights under15 U.S.C 1681 section 602 A. has violated my rights TRANSUNION LLC violated my federal protected rights in accordance with the Fair Credit Reporting Act I will include these accounts showing closed and reopened, then closed and re added in attached files
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| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION AC
COUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX FKA XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I told the credit bureaus to investigate every piece of information on the accounts I have listed below.
The credit bureaus stated my accounts was verified but how is that possible if they did not do improper investigation according to the law.
Also every piece of information on these accounts are still not reporting 100 % Accurate. These accounts below have been removed and re adding back on my person credit MULTIPLE times, proven none of these accounts listed below has been properly verified and 100 % accurate.
In accordance with the Fair Credit Reporting act.
The List of accounts below has violated my federally protected consumer rights under the FRCA 15 USC 1681. has violated my rights The List of accounts below has violated my federally protected consumer rights under 15 U.S.C 1681 section 602 A. has violated my rights The List of accounts below has violated my federally protected consumer rights15 U.S.C 1681 Section 604 A Section 2 : has violated my rights 1. Account name : XXXX XXXX XXXX Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S. Code 1681i ( g ) ( A ). has violated my rights 1.Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S.C 1681 Section 604 A Section 2. has violated my rights 1.Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy.
( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of noticeA notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional informationAs part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) ContentsAs part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolutionIf a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In generalThe Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilitiesEach consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a disputeIf a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( 3 ) Responsibility of consumer reporting agency to notify consumer through resellerUpon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
1.Account Number : XXXX Amount : {$6300.00} Date Opened : XX/XX/XXXX 2. Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Amount : {$820.00} Date Opened : XX/XX/XXXX In accordance with the Fair Credit Reporting act. The List of names below has violated my federally protected consumer rights under15 U.S.C 1681 section 602 A. has violated my rights XXXX XXXX XXXX XXXX, TransUnion LLC, XXXXXXXX XXXX XXXX XXXX I was NEVER informed by the credit bureaus that my personal information had been stolen due to MULTIPLE BREACHES OF SECURITY within the credit bureaus.
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| 06/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XXXX XXXX XXXX The credit bureaus stated account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX but how is that possible if the account date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate. This is ground for removal. They also violated my rights under 15 USC 1681 Section 604A 2. The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given my accounts According to 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code XXXX has violated my right to privacy. ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection. ( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection. ( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section. ( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices. ( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ). ( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly. ( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran. ( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt. ( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion. ( Pub. L. 90321, title VI, 611, as added Pub. L. 91508, title VI, 601, XXXX XXXX, XXXX, 84 Stat. 1132 ; amended Pub. L. 104208, div. A, title II, 2409, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. L. 105347, 6 ( 5 ), XXXX XXXX, XXXX, 112 Stat. 3211 ; Pub. L. 108159, title III, 313 ( a ), 314 ( a ), 316, 317, XXXX XXXX, XXXX, 117 Stat. XXXX, XXXX ; Pub. L. 111203, title X, 1088 ( a ) ( 2 ) ( C ), ( 6 ), XX/XX/XXXX, 124 Stat. 2087 ; Pub. L. 115174, title III, 302 ( b ) ( 3 ), XX/XX/XXXX, 132 Stat. 1333. )
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| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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On XX/XX/XXXX - XXXX mailed a certified letter requesting an investigation with Transunion. It took over 45 days for Transunion to respond to my request. This is a violation of the F.C.R.A 15 U.S. Code 1681i - Procedure in case of disputed accuracy. I have highlighted the date that I mailed my certified mail. I have attached the certified mail receipt. The receipt was sign by a Transunion agent by the name of XXXX XXXX. Notice that the agent did not sign the arrival date. I received a responds from Transunion on XX/XX/XXXX. Transunion states they received the information they are reporting from the furnisher on the letter. So I mailed the furnisher they have listed and the furnisher replied back to me stating they have NO AFFILIATION OR COMMUNICATION WITH THESE AGENCIES. So therefore they DID NOT GIVE TRANSUNION THE INFORMATION THEY HAVE LISTED ON MY TRANSUNION CREDIT REPORT! TRANSUNION DID NOT REPLY TO MY reinvestigation request within the 30 day time limit. I did not send Transunion additional information within the 30 day investigation period so 15 additional days was not added to this investigation. I have attached documents supporting my investigation. I have pasted the F.C.R.A code that has been violated twice. 15 U.S. Code 1681i - Procedure in case of disputed accuracy - 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( XXXX ) Exemption from general reinvestigation requirement Except as provided in paragraph ( XXXX ), a reseller shall be exempt from the requirements of this section.
( XXXX ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within XXXX business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( XXXX ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( XXXX ) ( A ) the notice by the consumer reporting agency under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( XXXX ) ( A ).
( XXXX ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
( g ) Dispute process for XXXX XXXX XXXX ( XXXX ) In general With respect to a XXXX XXXX debt, the veteran may submit a notice described in paragraph ( XXXX ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, XXXX XXXX, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.
( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a XXXX XXXX debt.
( XXXX ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( XXXX ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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| 09/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure the maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correctly.
Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and they never sent me evidence supporting my dispute to resolve any issues. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original wet signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if I fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 2. Agreement with your client that grants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt.
3. Original wet ink Signed agreement Debtor has made with Debt Collector, or another verifiable proof Debtor has a 4. contractual obligation to pay a Debt collector.
5. Any agreement that bears the original wet ink signature of Debtor, wherein agreed to pay Creditor.
6. All statements while this account was open.
7. Have any insurance claims been made by any creditor regarding this account?
O Yes O No 8. Have any Judgements been obtained by any creditor regarding this account?
O Yes O No Please provide me the name and address of the bonding agent for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14., in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 15 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
The items below should all be updated to paid as agreed on my consumer report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX As a consumer by law, these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
INCLUDING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Pursuant to 15 USC 1611 " THIS REPORTING AGENCY '' is criminally liable Your Registered Agent also received Notice of Pending Litigation and Notice of Default with the opportunity to cure.
RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is clearly here. The civil liability law which I will sue under is clearly here.
Pursuant to 15 USC 1611, THIS REPORTING AGENCY is criminally liable. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. YOUR REGISTERED AGENT IS SERVED NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
You have no legal standing against me Pursuant 15 U.S. Code 1692i ( b ) ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. I will be filling for a default judgment and entering a class action for violation, stress and mental anguish, and at least 1 % of the company pursuant to TILA 1640 or any other damages pursuant to 1692k This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Pursuant to 15 USC 1611 TRANSUNION, EXPERIAN, is criminally liable 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, but I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Your Registered Agent also received a Notice of Pending Litigation and Notice of Default with an opportunity to cure.
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) a such number of punitive damages as the court may allow.
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter, please.
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 15 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely XXXX XXXX
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| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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They are reporting negative or late payments. All 3 credit bureaus including credit Karma showing my credit line amounts. Skip to content XXXX XXXX XXXX XXXX XXXX XXXX In Search XXXX Call Today : ( XXXX ) XXXX Fair Credit Reporting Act : Common Violations and Your Rights Updated : XX/XX/XXXX | XXXX XXXX XXXX Credit Card Debt Relief Credit Counseling How to Increase Credit Score Fair Credit Reporting Act : Common Violations and Your Rights A consumers financial future can rise and fall on whats in their credit report so keeping a close eye on the contents should be important to everyone. Credit reports are used to decide who gets a loan, a credit card, a job, or even an apartment to rent, so few things are more crucial than having a credit report free of errors.
Still, credit report errors are made, and the consequences can be devastating. Thats why its vital to look at your credit report at least once a year and make sure all the information in it, is accurate. Federal law allows you to get a free credit report from each of the three major reporting bureaus by signing up at XXXX.
The Fair Credit Reporting Act of 1970 Recognizing the life-altering power of credit information, Congress adopted the Fair Credit Reporting Act ( FCRA ) in 1970 to protect consumers and regulate how credit information is used and disseminated. The law gives consumers the right to know whats in their credit reports and free access to the information credit rating agencies use to assign credit scores.
The FCRA also requires that anyone who denies a person credit, insurance or employment because of what is in their credit report, tell you where they got the information and how to contact the issuer.
The Federal Trade Commission enforces the FCRA. The Dodd-Frank Act transferred most of the rulemaking responsibilities to the Consumer Financial Protection Bureau XXXX but the FTC still retains enforcement authority.
The nations three largest credit reporting agencies XXXX, XXXX and TransUnion are required by law to do everything in their power to accurately gather and report consumer information. Together, they keep files on more than 200 million Americans and issue more than three billion reports a year.
Given the volume of information, its inevitable that errors occur. The FCRA gives consumers the means to detect inaccuracies in their reports and file complaints. It also requires reporting agencies to investigate and correct bogus information.
Mistakes are often clerical, but sometimes theyre the result of old information reported as current. XXXX XXXX XXXX XXXXXXXX reported the troubles of a Mississippi woman whose {$40000.00} second-mortgage debt was discharged through a bankruptcy filing in XXXX. But four years later, the debt appeared on her report as unpaid. She tried repeatedly to get the error removed, but it took intervention from Mississippis attorney general to have her report corrected.
Cases like that are common. State attorneys investigate FCRA complaints and many have consumer information on their web pages to let people know what their rights are and the steps to take if they uncover erroneous information.
Common violations of the FCRA include : Failure to update reports after completion of bankruptcy is just one example. Agencies might also report old debts as new and report a financial account as active when it was closed by the consumer.
Creditors give reporting agencies inaccurate financial information about you.
Reporting agencies mixing up one persons information with anothers because of similar ( or same ) name or social security number.
Agencies fail to follow guidelines for handling disputes.
Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits.
Failing to send you notifications about your credit report or score in violation of the FCRA.
Reporting agencies providing information to unauthorized persons or businesses.
Not all FCRA actions are the result of errors or poorly maintained files. For example, the XXXX XXXX XXXX reported about a data broker that agreed to pay {$800000.00} in a settlement with the Federal Trade Commission for allegations he illegally sold personal information to human resources, background screening and recruiting companies.
Your Rights Under the Fair Credit Reporting Act If youre turned down for credit or have some other reason to suspect that a credit report might have erroneously damaged you, get the name of the national credit agency that provided the report. A landlord who turned you down for bad credit or a bank that denied you a credit card will tell you which agency issued the report.
Next, contact the agency and request a copy of the report. Keep in mind that if the report contains incorrect information, other agencies could be using the same information in their reports. The agency that provided the information must supply you with its report within 30 days of the denial for free. Otherwise, it can charge a fee to see a report.
If you find inaccurate or outdated information, notify the credit reporting agency in writing, explaining the error and demanding that it be immediately corrected. If the agency investigates and does nothing, and if you are still sure the report contains errors, contact the Federal Trade Commission or the state attorney generals office nearest you.
Its important to know your rights under the Fair Credit Reporting Act : You have a right to know whats in your file. Contact the credit-rating agency that issued a report that was used to deny you credit, housing or employment. Youre entitled to a free report for any of these reasons : Information was used against you ; you are a victim of identity theft and place a fraud alert on your file ; your file contains inaccurate information that resulted from fraud ; youre on public assistance or you have been unemployed but expect to apply for work within 60 days.
If you have been the victim of identity theft, you are entitled to ask businesses for a copy of transaction records relating to the theft of your identity. For example, loan or credit card applications. You also may authorize law enforcement agencies to request the information. Businesses must provide it within 30 days of receiving the request. Some companies are reluctant to release this information claiming it is proprietary information or that they are protecting the consumer. However, the FCRA states that businesses are required to provide applications and business transaction records to help victims document fraudulent charges. The FTC outlines the obligations for businesses here.
You have a right to ask for your credit score. Credit reporting agencies provide these. In some instances, mortgage lenders will tell you your score when you apply for a loan. Also, some credit card issuers now include up-to-date scores in their monthly statements.
You have a right to dispute incomplete or inaccurate information in your report.
Credit reporting agencies are obliged to correct or delete inaccurate, incomplete or unverifiable information.
Reporting agencies must not disseminate outdated negative information.
Information in your file is limited to those with a valid need for it.
You must give written consent for credit agencies to send your credit report to employers.
If your rights have been violated under the FCRA, you are entitled to seek actual or statutory damages, recover attorneys fees and court costs and request punitive damages.
Fair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report.
Some of the common violations include : Furnishing and Reporting Old Information When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur?
Reporting a debt as charged off, when it was settled or paid off.
Reporting late payments when your payments were timely.
Reporting old debts as new ones.
Reporting that an account was active after it was voluntarily closed by a consumer.
Failure to report that a debt was discharged in bankruptcy.
Reporting information that is more than seven years old ( when XXXX XXXX bankruptcy notices should lapse ) or 10 years old ( XXXX XXXX bankruptcy ).
Inaccurate statement of balance due.
Failing to have a reasonable procedure for you to report identity theft ( or supplying credit information on an account where identity theft was previously reported ).
Mixing Files Mixing files with someone else who has similar background information ( sometimes as careless as failing to distinguish the Jr. and Sr. in similar surnames ).
Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. Sometimes, agencies fall short in these areas.
Debt Dispute Violations for Creditors Creditors are obligated to note every disputed debt and submit corrected information, stop submitting incorrect information when it has been reported, conduct an internal investigation of disputes within 30 days and provide a reasonable procedure to submit a written dispute or report of identity theft.
Privacy Violations Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity.
Withholding Notices You must be given notice on the reporting, handling and use of your credit information. Violations could include : A creditor failing to notify you when it supplies negative credit information.
A user of credit information ( prospective employer or lender ) failing to notify you of a negative decision based upon your credit report. Or that user of credit information refusing to identify the source of credit information it obtained about you.
A creditor failing to provide your credit score if it was used as part of any credit decision.
A creditor failing to notify you of your right to obtain a free credit report.
Its important to be educated and know your Fair Credit Reporting Act rights.
Recovering Damages for FCRA Violations The information covered under the Fair Credit Reporting Act is so critical to the financial health of an individual that when violations of the FCRA occur, the victim can file suit and collect for damages.
The extent to which a victim can be compensated depends largely on whether the violation was willful or negligent. The parties responsible for possible violations include credit reporting agencies, businesses furnishing the information to credit agencies or someone using information off the credit report to make a decision about a job, or housing.
Willful FCRA Violations These are the more serious violations and more highly compensated because it means the agency, business or individual was aware their actions would cause harm to you, but went ahead and did them anyway.
The types of damages that can be compensated here include : Actual damages. These are damages that can be proved because of harm caused by an action or failure to act by the agency, business or individual. There is no limit to how high an award can be.
Statutory damages. These are damages that dont require proof, but the compensation is limited to somewhere between {$100.00} and {$1000.00}.
Punitive damages. These are awarded to punish an agency, business or individual and deter them from violating the FCRA again. There is no limit on how much can be awarded.
Attorney fees and court costs. You can have the cost of litigating the matter covered if you win your case.
Negligent FCRA Violations When an agency, business or individual fails to exercise proper care or takes action that a reasonable person would not with regard to your credit information, that is negligent behavior and money damages can result.
The types of damages available are the same as with willful violations, namely actual damages ( no limit ) ; statutory damages ( usually between {$100.00} and {$1000.00} ) ; punitive damages ( no limit ) and attorney fees and court costs.
Frivolous FCRA XXXX XXXX XXXX reporting bureaus have the right to terminate investigations of violations if the agency determines that the consumers complaint is frivolous or irrelevant.
Typically, this happens when the consumer fails to offer sufficient information to investigate the disputed information.
They also may lose a court case if they filed suit in bad faith or to harass an agency, business or individual. If this happens, the consumer may be required to pay the attorney fees for filing bad faith papers.
Deadlines Here are four key deadlines to remember when dealing with the Fair Credit Reporting Act.
Inaccurate information must be corrected or deleted within 30 days of your dispute ( or up to 45 days if you provide additional information after submitting your written dispute ).
Businesses or other information furnishers must tell you about any negative information reported to the credit bureaus within 30 days.
The statute of limitations for filing a suit is two years after the date you discovered a violation or within five years of the date of the violation.
XXXXXXXX XXXX XXXX The three major credit bureaus are required to provide you with one free copy of your credit report every year, if you request it. You must properly identify yourself, of course. The Web site XXXX is a prime place to obtain your free annual credit report.
In some cases, the credit bureaus also must provide you with another free copy of your credit report if : A business has denied your application or charged a higher interest rate because of information in your credit report.
Youre unemployed and planning to look for a job within the next 60 days.
Youre on welfare.
Youve been a victim of identity theft ( or if your credit report contains inaccurate information because of identity theft ).
Other Credit Reporting Agencies There is much emphasis on the three nationwide consumer reporting companies XXXX, XXXX and TransUnion but its useful to know there are other sources of consumer reporting information.
The Consumer Financial Protection Bureau has published a list of other companies that self-identify as consumer reporting agencies. These companies collect information and provide reports to other companies about you in the areas of credit, employment, residential rental housing, insurance and other decision-making situations. Its worth a look to determine which of the companies could be important to you.
This list, while not all-inclusive, has been independently verified by the CFPB.
Meanwhile, here are the best contact numbers for the XXXX nationwide consumer reporting companies : XXXX : ( XXXX ) XXXXXXXX XXXX XXXX ( XXXX ) XXXX TransUnion : ( XXXX ) XXXX Problems with credit reporting bureaus are not unusual. Getting timely corrections on mistakes on your credit report can be difficult, but is worth pursuing.
If you have questions about the credit reporting bureaus and how information is gathered, you should contact a nonprofit credit counseling agency like XXXX and speak with a certified counselor about the problem.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We do not lend money.
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| 03/26/2020 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : BANKRUPTCY ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : THIS IS NOT A REGULAR DISPUTE. TAKE ACTION IMMEDIATELY YOU ARE IN VIOLATION.
As of late I did an examination on my credit report which caused extreme misery upon me and found unverifiable, invalidated, inaccurate, and questionable items that your organization didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed.
You reacted to my questions saying that you confirmed the data. I need confirmation of how you did as such. I am more than positive that you didn't confirm these off base records.You cant verify false information. You don't even have the same information across the board for all 3 credit bureaus.
AND I DO NOT WANT A RESPONSE FROM THE E-OSCAR SYSTEM! I need confirmation of the following account : XXXX. What records with my own particular we looked into in the examination.
XXXX. Furnish me with the entirety of the official administrative work that was given to the information furnisher in the examination.
XXXX. What amount did it cost your organization to get the desk work you expected to precisely finish your research.
XXXX. Provide the evidence of your ideal acquisition of ensured paperwork XXXX. Did you talk legitimately to an operator with the organization that was revealing this data to affirm the precision of what you are answering to the authorities?
XXXX in the event that yes to all the abovementioned : a. Who was the individual you talked with?
b.What was the date?
c.How since quite a while ago did you converse with this individual?
d.What 's their situation with the organization?
e.What phone number did you call to get in touch with them?
f.What is the name of the representative of your organization that spoke straightforwardly to the above gathering?
g.What is the situation of the representative of your organization that spoke straightforwardly to the above gathering?
h.How long has that representative worked for your organization?
i.What sort of preparation did your representative receive to explore things of this sort?
j. Was there any messages sent to impart between individuals from your organization and to the gathering above?
XXXX. Assuming this is the case, it would be ideal if you give me duplicates of all the correspondence ; suppl duplicates of any documentation to demonstrate that XXXX might likewise want to have the date of the initiation of wrongdoing XXXX. Give the SPECIFIC date revealing that these things will stop.
Under penalty of perjury you must swear that you were there when I obtained these goods that you are fraudulently accusing me of. If you can't do so then these UNAUTHORIZED ACCOUNTS/ INQUIRIES MUST BE REMOVED IMMEDIATELY .Encased with your reaction to the above inquiries I demand a legally approved testimony affirming the data given is valid and exact according to my social equality conceded under a few laws. This data ought not arrive in a type of letter reaction.
A layout reaction WILL NOT BE ACCEPTED IN RESPONSE! On the off chance that you can't give me ALL of the above data in a convenient way as definite, I should quickly request the lasting expulsion of this thing from my credit report.
In the event that you decided not to give the above mentioned erasure or required desk work of your examination, I will seek after the authorizations of my sacred rights by means of government court proceedings.P.S. If it's not too much trouble know that needy upon your reaction, I might be enumerating any likely issues with your organization by means of an online official statement, including documentation of any potential little cases activity.
You are in violation under 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/invalidated Credit Information and 15 U.S. Code 1681e ( b ) - Compliance procedures maximum possible accuracy.
investigation into this matter in accordance with 15 USC 1681a ( 2 ) ( B ) of the Fair Credit Reporting Act.
Pursuant to 15 USC 1681 ( 2 ) ( B ) Any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a " credit card or similar device should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which states, " The term " CREDIT CARD '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. '' Notice, Congress said " ANY '' card.
The credit card is my social security card. This is the credit card used to originate every consumer credit transaction ON MY CREDIT REPORT. They should all be removed from my consumer report pursuant to 15 USC 1681a ( 2 ) ( B ). I am demanding that you remove these transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under title 15 chapter 41 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
15 U.S. Code 1666 - Correction of billing errors ( a ) WRITTEN NOTICE BY OBLIGOR TO CREDITOR ; TIME FOR AND CONTENTS OF NOTICE ; PROCEDURE UPON RECEIPT OF NOTICE BY CREDITORIf a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) BILLING ERRORFor the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) ACTION BY CREDITOR TO COLLECT AMOUNT OR ANY PART THEREOF REGARDED BY OBLIGOR TO BE A BILLING ERRORFor the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) RESTRICTING OR CLOSING BY CREDITOR OF ACCOUNT REGARDED BY OBLIGOR TO CONTAIN A BILLING ERROR Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) EFFECT OF NONCOMPLIANCE WITH REQUIREMENTS BY CREDITOR Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
I request that you review this information and make the necessary corrections to my credit report remove late payments, chargeoff accounts and collections Additionally I would appreciate it if you could provide me with a copy of my credit report once the investigation is complete, as provided for under the FCRA.
As a consumer by law this account on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also we already involved and sent this letter to the Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX, Law Firm XXXX XXXX XXXX XXXX XXXX XXXX, Attorney Generals Office, XXXX XXXX XXXX State Senate, Federal Deposit Insurance Corporation, Comptroller Of The Currency, Federal Reserve System Credit and insurance, Federal Trade Commission, State Regulatory agencyXXXX Sincerely, XXXX XXXX
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| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX XXXX have given to XXXX XXXX XXXXXXXX and TransUnion on any of my consumer report to provide and exchange any information to each other.
TransUnion is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name XXXX XXXX Bank XXXX XXXX XXXX - DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent TransUnion a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX XXXXXXXX anymore they have sold the account to a collection agency XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, Trans Union, XXXX with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, TransUnion is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX XXXX or TransUnion, the permission Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. TransUnion is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. TransUnion IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX XXXXXXXX or TransUnion to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of XXXX974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX XXXXXXXX by law is suppose to send me a XXXX so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. TransUnion and XXXX XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice TransUnion and XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that TransUnion and XXXX XXXX XXXXXXXX is abusing and violating.
Further more in XXXX XXXX XXXXXXXX SEC FILINGS Floating rate notes are debt notes and If I am an investor into this company which I have never received my principal amount or secuirities intrest payments on this account that you XXXX XXXX XXXXXXXX did not inform me I was eligible to recive since I have been paying you with debt notes these past 10 years. I am a holder per 16 CFR 443.1 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. inorder to get such sale of credit recievables which is whne you turned my application and account into a securities that you are currently moving into. As well as reallocating until so you can make principle deposits into your trust account, a charged off debt that you already wrote off and is now income for me and I have not received a 1099-C for it. per your 424B5 prospectus.
Delinquencies and Collection Efforts page 142 -143 An account is contractually delinquent if the minimum payment is not received by the due date indicated on the monthly billing statement. For collection purposes, however, an account will begin receiving collection treatment based on the number of days that have elapsed since the due date reflected in the respective monthly billing statement, as well as risk, status, balance and other factors. Efforts to collect delinquent credit card receivables currently are made by XXXX XXXX Assistance personnel, XXXX XXXX and third party agencies. XXXX activities include statement messages, telephone calls, text messages, e-mails and formal collection letters. XXXX employs a proprietary system for collecting past due accounts. XXXX XXXX XXXXXXXX says that they use third parties to collect debt when the cossumer laws state that you can not give my personal information away without my consent to third parties Charge Off Policy XXXX does not currently sell charged off accounts to third parties. On page 143. My account was sold to a third party twice. XXXX XXXX XXXX is lying in their SEC FILING on how they deal with the consumers accounts.
On page XXXX of the consumer laws part of the SEC FILING FOR 424B5 prospectus The relationships of the cardholder and credit card issuer and the lender are extensively regulated by federal and state consumer protection laws. For credit cards issued by XXXX, the most significant.
XXXX XXXX XXXX XXXX be liable for certain violations of consumer protection laws that apply to the receivables, either as XXXX from XXXX for obligations arising before transfer of the receivables to XXXX XXXX XXXX or as a party directly responsible for obligations arising after the transfer. In addition, a cardholder XXXX be entitled to assert such violations by way of set off against his obligation to pay the amount of receivables owing.
XXXX laws include the federal Truth in Lending, Equal Credit Opportunity, Fair Credit Reporting, Fair Debt Collection Practice, GrammLeachBliley and Electronic Fund Transfer Acts, and for members of the military on XXXX XXXX, the Servicemembers Civil Relief Act and the Military Lending Act. Several of these statutes impose disclosure requirements when a credit card account is advertised, when it is opened, at the end of monthly billing cycles, and on an annual basis. In addition, these statutes limit customer liability for unauthorized use, prohibit certain practices in extending credit, impose certain limitations on the type of accountrelated charges that XXXX be assessed, and regulate the use of cardholder information. Cardholders are entitled under these laws to have payments and credits applied to the credit card accounts promptly, to receive prescribed notices and to require billing errors to be resolved promptly. I AM PROTECTED UNDER THESE LAWS.
PAGE XXXX equity interests were traded on an established securities market, or are readily tradable on a secondary market or its substantial equivalent. The beneficiary intends to take measures designed to reduce the risk that either of the issuing entity or master trust XXXX could be classified as a publicly traded partnership ; although the beneficiary expects that such measures will ultimately be successful, certain of the actions that XXXX be necessary for avoiding the treatment of such other securities as readily tradable on a secondary market or its substantial equivalent are not fully within the control of the beneficiary.
ON PAGE XXXX Charge offs consist of write offs of principal receivables. AS SAID ON PAGE XXXX Currently, XXXX originates and owns credit card accounts from which receivables in accounts designated for inclusion in XXXX XXXX XXXX are sold to ( XXXX Credit Card XXXX, XXXX is the beneficiary of the issuing entity. ) XXXX for inclusion in master trust XXXX. XXXX Credit Card XXXX, XXXX ( referred to as Funding ), a limited liability company formed under the laws of Delaware and a direct subsidiary of XXXX, is the transferor and depositor of the issuing entity IS securitization trust WHICH MEANS BANK XXXX XXXX HAS WRITTEN OFF AND MADE MONEY OFF OF MY ACCOUNT SECURITIES.
ON PAGE XXXX Security for the Notes The notes of all series are secured by a shared security interest in the collateral certificate and the collection account, but each tranche of notes is entitled to the benefits of only that portion of the assets allocated to it under the indenture and the indenture supplement.
XXXX Each tranche ( PORTION ) of notes is also secured by a security interest in any derivative agreement for that tranche.
The Class A ( XXXX ) notes are secured by a shared security interest in : the collection account ; On page XXXX In addition, the Class A ( XXXX ) notes will, and other notes XXXX, have an Adjusted Outstanding Dollar Principal Amount. The Adjusted Outstanding Dollar Principal Amount is the same as the outstanding dollar principal amount, less any funds on deposit in the principal funding subaccount for that note.
Nominal Liquidation Amount. The nominal liquidation amount of a note is a XXXX dollar amount based on the outstanding dollar principal amount of the note, but after deducting : that notes share of reallocations of Available Principal Amounts used to pay interest on senior classes of notes or a portion of the XXXX XXXX XXXX servicing fee allocated to its series ; that notes share of chargeoffs resulting from uncovered Investor Default Amounts ; and amounts on deposit in the principal funding subaccount for that note ; and adding back all reimbursements from Excess Available Funds allocated to that note of ( i ) reallocations of Available Principal Amounts used to pay interest on senior classes of notes or the XXXX XXXX XXXX servicing fee or ( ii ) chargeoffs resulting from uncovered Investor Default Amounts. Excess Available Funds are Available Funds that remain after the payment of interest and other required payments for the notes.
The nominal liquidation amount of a note corresponds to the portion of the investor interest of the collateral certificate that is allocated to support that note.
The aggregate nominal liquidation amount of all of the notes plus the Class D Investor Interest is equal to the Investor Interest of XXXX XXXX. The Investor Interest of Series XXXX corresponds to the amount of principal receivables in XXXX XXXX XXXX that is allocated to support Series XXXX. Anything that increases or decreases the aggregate nominal liquidation amount of the notes or the Class D Investor Interest will also increase or decrease the Investor Interest of XXXX XXXX.
Upon a sale of credit card receivables held by XXXX XXXX XXXX ( i ) following the insolvency of Funding, ( ii ) following an event of default and acceleration for a note, or ( iii ) on a notes legal maturity date, each as described in Sources of Funds to Pay the NotesSale of Credit Card Receivables, the nominal liquidation amount of a note will be reduced to XXXX.
For a detailed discussion of nominal liquidation amount, see The NotesStated Principal Amount, Outstanding Dollar Principal Amount and Nominal Liquidation AmountNominal Liquidation Amount.
Each tranche of notes is also secured by a security interest in any derivative agreement for that tranche.
XXXX XXXX XXXX for the Notes The notes of all series are secured by a shared security interest in the collateral certificate and the collection account, but each tranche of notes is entitled to the benefits of only that portion of the assets allocated to it under the indenture and the indenture supplement.
The Class A ( XXXX ) notes are secured by a shared security interest in : the collateral certificate ; the collection account ; the applicable principal funding subaccount ; the applicable interest funding subaccount ; and the applicable accumulation reserve subaccount.
On page XXXX Optional Redemption by the Issuing Entity Funding, so long as it is an affiliate of the servicer, has the right, but not the obligation, to direct the issuing entity to redeem the Class A ( XXXX ) notes ( and all other tranches of BAseries notes ) in whole but I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully, XXXX XXXX
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| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My Only First & Last Name : XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX CA XXXX The last XXXX of my SSN # XXXX My Only DOB XX/XX/XXXX Ive sent paper work and complaints from the US Justice Department ( XXXX ) ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXXTRANUNION-XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports . Yet XXXXTRANUNION- XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX-TRANUNION-XXXX-XXXX XXXX XXXX XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. I [ XXXX XXXX XXXX ] issue this urgent and non-negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX XXXX ] I also serve as my agent and attorney-in- fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about alleged debt. ) [ 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATION/XXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ -. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.Remedial Actions : Immediate and Non- Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXXCONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies EXPERIAN-TRANUNION- XXXX XXXX XXXX XXXX XXXX/furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXX XXXXinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account . XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy
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| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : 05 XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 06 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 U.S. Code 1681b ( a ) it states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX, Transunion, and XXXX are the reporting agencies, and I am the consumer. I have not given written instruction to the consumer reporting agencies to furnish inquiries that are numbered XXXX in the PDF file attached named XXXX XXXX XXXX . This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 12 CFR 1022.3 - Definitions it states ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.. I did not give the authority for any of the three ( 3 ) credit reporting agencies written consent to have anything added to my consumer report. This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 15 U.S. Codes 6801 it states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have the right to make sure my private information isn't shared. This violation applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX. This violation also applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX .
In 15 U.S. Code 1681- Congressional findings and statement of purpose it states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These unfair credit reporting methods undermine my confidence in continued functioning of the banking system. This applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This violation applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information it states ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. This has been violated and applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 15 U.S. Code 6802 it states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; None of the three consumer reporting agencies have disclosed in writing or in electronic form permitted under section 6804 of this title, that such information may be disclosed to such third party. This violation applies to the inquiries that are numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 15 U.S. Code 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and. I was not given the opportunity to direct the information to not be disclosed to such third party. This applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX
In 15 U.S. Code 6802 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given an explanation of how to exercise that option this is a single violation.
In 15 U.S. Code 6802 ( 2 ) with the consent or at the direction of the consumer. I have not given my consent nor was this done at my discretion. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 15 U.S. Code 6803 - Disclosure of institution privacy policy it states ( a ) At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to '' ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 3 ) protecting the nonpublic personal information of consumers. I have not received a disclosure annually from any of the three consumer reporting agencies that provides a clear and conspicuous disclosure in writing or in electronic form with respect to what is stated in ( 1 ) and ( 3 ). This violation applies to each year since establishment of a customer relationship on 11/29/2014 as stated in Account 3 in the Revolving Credit Accounts Section ( Page 8 ).
In 15 U.S. Code 1681a - Definitions ; rules of construction it states ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;. I was not given the opportunity, before the time that the information was initially communicated to direct that such information to not be communicated among such persons. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;. This violation also applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Open Accounts section ( Page 61 ) Accounts 1-7 & 9-10 as these accounts are reporting an Account Balance which reflects utilization, this is reporting transactions and should not be on my consumer report.
In 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports it states ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX as these are not convictions of crimes.
In 15 U.S. Code 1681e - Compliance procedures it states ( a ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports the consumer reporting agencies are also violating compliance procedures under this title. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In the Privacy Act of 1974 5 U.S. Code 552a - Records maintained on individuals, the term record is defined as ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ;. In ( b ) it states CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. This further proves that the consumer reporting agencies need prior written instruction of the individual to whom it relates, and I have not given them written consent for such actions. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation will apply to Account 40 in the Installment Credit Accounts section ( Page 20 ). This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 31 U.S. Code 3711 - Collection and compromise it states ( e ) ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and. Not only have the 3 reporting agencies violated the Fair Credit Reporting Act, but they have also violated the Privacy Act of 1974. This violation applies to the inquiries numbered 1-25 in the PDF file attached named XXXX XXXX XXXX . This violation applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX . This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 20 U.S. Code 1232g - Family educational and privacy rights it states ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. This violation also applies to Accounts 10-35, 40, & 42-50 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX.
In 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.. This violation applies to Accounts 3, 8, 18, 20, 21, 23, 27, 28, 31, 34 in the Installment Credit Accounts section ( Page 20 ) due to High Balance amounts not being reported accurately. This violation applies to accounts 15, 17, 19, 22, 24, 25, 26, 29, 30, 32, 33, 35 due to the High Balance and Account Balance is being reported inaccurately.
In 16 CFR 313.4 Initial privacy notice to consumers required it states When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship. I never received such notice this is a violation, 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated ; this is a single violation.
In 16 CFR 313.5 Annual privacy notice to customers required. ( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of 12 consecutive months during which that relationship exists. You may define the 12-consecutive-month period, but you must apply it to the customer on a consistent basis. 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated. This violation applies to each year since establishment of a customer relationship on XX/XX/XXXX as stated in Account XXXX in the Revolving Credit Accounts Section ( Page XXXX ).
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| 07/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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STATE AND FEDERAL CRIMINAL CONSUMER COMPLAIN AGAINST CREDITOR, COLLECTION AGANCY AND CREDIT REPORTING AGENCIES This was a monthly rent to own agreement on a storage building with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, ( not to be confused with XXXX, XXXX, trust me ). Agreement made in XXXX. The building was delivered to our restaurant property by the owner, XXXX XXXX, whom is illegally running a corporation for the advantages of personal protection against liability, however has absolutely no corporate veil as he and his wife ( the actual partnership ) have absolutely none of the required meetings, nor any of the minutes to support such meetings. This is a theme with them : they fake being XXXX XXXX XXXX XXXX, they fake being a corporation and they also claim to be XXXX.
However, My XXXX ( at the time ) went overboard with weekly meetings of the directors and officers so we could enjoy the protection of the corporate veil. I was XXXX/XXXX of The XXXX XXXX XXXX XXXX XXXX here in XXXX Kentucky. The agreement was between my XXXX ( I had several at the time ) and XXXX, XXXX We had a meeting on it, approved the expenditure and recorded it in minutes. I was in no way a personal guarantee as were none of the other Officers or Directors ( we actually had 8 at the time ). I signed the agreement with XXXX, XXXX, as an employee and authorized representative of the company ( as the agreement states ). Not a personal guarantor as XXXX would like to claim. As much as he skirts the legal operation of a business ( as you will see with my continued narrative ) I am sure he fully understands the difference. This, of course, proving these frauds/crimes are being committed with malice and intent by XXXX and his partner XXXX XXXX. White collar they may be, they are still criminal.
When XXXX, XXXX XXXX XXXX XXXX made its monthly payment, I let XXXX know we were in the process of cleaning out the building, would be taking advantage of the surrender clause of the agreement and would be surrendering the building within the week. I told him I would call him when it was ready to pick up. Mind you, our XXXX had just paid our month in advance rent.
I called XXXX within that week and he told me he would be over as soon as he could to pick it up. He waited four weeks to pick it up and in the interim, charged mt XXXX another months rent. Shortly after he charged my company another months rent, he picked up the building. When I confronted him with the fraudulent charges and my companys refusal to pay it, he expressed how he would come at me and my company hard. He threatened lawyers, lawsuits and expressed he would get that fraudulent charge no matter what it takes.
XXXX has proven to be such the criminal as he even went as far as to contact other business associates of mine to shame me into paying this fraudulent charge ( {$340.00} ) including ( but not limited to ) contacting XXXX XXXX, the property owner of my XXXX. XXXX informed me and was flabbergasted, questioning what XXXX expected him to do about it. XXXX went on to turn this fraudulent debt over to XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, TN, XXXX. For the purpose of accessory to the various crimes and liabilities committed and created by XXXX and XXXX, this complaint also includes XXXX XXXX XXXX, owner of XXXX XXXX XXXX XXXX XXXX and any employees and/or ensigns that have assisted XXXX and XXXX in their fraudulent and deceptive business practices. I am most certain I am not the only one either company has done this to.
This complaint is also against Transunion, XXXX and XXXX ( credit reporting companies ) as ; after numerous attempts to report and have these fraudulent collections removed from my report, they have not followed the letter of the law in confirming such fraudulent charges and have caused severe damage to my credit profile and buying power. This charge needs to be immediately removed from my report and all three credit reporting agencies are now liable to me as according to the Fair Credit Reporting Act ( treble damages due to their fiduciary duties ). This constitutes an emergency as these fraudulent charges and collections being reported on my credit is causing immediate and irreparable harm.
Please understand, this fraudulent charge was also reported to my personal credit report, illegally as I was afforded the protections from liability ( including debt ) by owning and being employed by a legal Kentucky corporation. XXXX nor XXXX have any authority to circumvent these or any of the other laws they are breaking or have broken. This fraudulent reporting has been complained of to XXXX, XXXX, the collection company and the credit reporting agencies. It is now being complained of to the Commonwealths Attorney, the Kentucky Attorney General, the Tennessee States Attorney, the Tennessee Attorney General, the Federal Trade Commission, and the Consumer Financial Protection Bureau before the liability claim is filed in all courts of competent jurisdiction.
I ceased any XXXX or XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX company on XX/XX/XXXX. The other officers and directors assumed full ownership and went on with their business and liability on their own. This fraudulent charge has absolutely nothing to do with me. The owners of the XXXX XXXX XXXX XXXX XXXX are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX ( CFO ) This complaint is being made under commonwealth, state, and federal jurisdiction as laid out in KRS 367.170 Unlawful acts including unfair, false Misleading or deceptive practices in the conduct of any trade or commerce are hereby declared unlawful. As well as Title 47, Chapter XXXX of the Tennessee Code, Section 47-18-104 of the Act prohibits unfair or deceptive practices. As well as Section 5 of the Federal Trade Commission Act that also deems unfair or deceptive acts or practices in or affecting commerce, are hereby declared unlawful. Deceptively creating charges not owed, fraudulently reporting such charges, hiring a company to enforce such charges, contacting known business associates to embarrass and shame me into paying, holding me personally liable for a companys debt are all unfair and deceptive acts or practices violating the above mentioned Federal and State Laws as well as the following Federal laws and their Commonwealth of Kentucky and Tennessee State Counter Parts : FAIR DEBT COLLECTIONS PRACTICES ACT As amended by public law 111 203, title x, 124 stat. 2092 ( 2010 ) 805 ( b ) as this is not my debt and I gave no such permission to communicate this fraudulent debt with any party, business or entity including but not limited to a consumer reporting Reporting false debts is a crime.
806 Turning a fraudulent business debt over to collections and reporting agency as my personal debt, in order to harass, oppress and abuse me to collect this debt.
806 ( 1 ) Calling my landlord to embarrass me about a nonexistent business debt, making an unsolicited reference to my financial reputation concerning a business debt for a company I worked for and was only a part of.
807 ( 2 ) ( A ) the character, amount and legal status have been fraudulently reported by XXXX and XXXX in an attempt to force personal liability on the concocted charges, THEFT.
807 ( 5 ) threat to report as debt ( was not a debt ), a personal debt ( was corporation debt ) to reporting agencies and collections.
807 ( 6 ) ( B ) in the false representation that I am personally responsible.
807 ( 7 ) disgracing me to my landlord as not paying a personal debt when this is no debt and a non-debt that should be charged to a business, I was a part of a long with 8 others.
807 ( 8 ) communicated with landlord, credit reporting agencies, collections company, community credit information they knew was false as they delayed pick-up to create fraudulent charges and knew this was an agreement with a corporation, I was not a personal guarantee any more than any of the other officers in the corporation that also owned stock. They are not to be held responsible for any debt of the companies they may hold stock/stake in.
807 ( 10 ) in that they falsely reported this to collection agency and credit reporting agency causing me damage in an attempt to shame me into paying a fraudulent debt. THEFT.
808 May not use unfair or unconscionable means to collect any debt including : 808 ( 1 ) The collection of any amount ( including any interest, fee, charge or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law., No where in the law or agreement is it stated I am a personal guarantor for a corporate debt as a representative of that corporation. In fact there is law against it ; no where in the agreement or the law does it allow XXXX and XXXX to charge the company more rent after the building was surrendered just because they decided not to reclaim their property after the surrender.
808 ( 6 ) ( b ) They charged another unauthorized, fraudulent month simply because they had absolutely no intention to take possession of their property despite proper notice and surrender.
809 ( a ) ( 1 ) no written communication 809 ( a ) ( 2 ) no written communication 809 ( a ) ( 3 ) no written communication 809 ( a ) ( 4 ) no written communication 809 ( a ) ( 5 ) no written communication, they knew they were wrong, wanted no records.
809 ( b ) as there was no written notice the only response was when they illegally called my landlord and when I repeated/ contested this as not my debt, however no response does not equal admission or acceptance of fraudulent debt.
813 creates XXXX, XXXX, XXXX and the credit reporting agencies liability to me as actual damages ( everything I was denied credit for ) ; {$1000.00} per incident ; and attorneys fees/court costs as well as punitive damages.
813 ( b ) ( 1 ) this has gone on for years, with many more people beside me, this is their standard unfair/deceptive/fraudulent business practice that they perpetuate on our community and the courts are to consider the frequency and persistence of noncompliance, the nature of such non compliance and the extent to which such noncompliance was intentional Finally subsection 814 of the FDCPA gives the Federal Trade Commission the authority to enforce compliance with the FDCPA except on the government and that any violation of this chapter shall ( not may ) be deemed an unfair or deceptive practice in violation of that act. All of the functions and powers of the Federal Trade Commission Act are available to the Federal Trade Commission to enforce compliance by ANY person with this subchapter, irrespective of whether that person in engaged in commerce or meets ant other jurisdictional tests under the Federal Trade Commission Act, including the power to enforce the provisions of this subchapter, in the same manner as if the violation had been a violation of a Federal Trade Commission trade regulation rule.
FAIR CREDIT REPORTING ACT 15 U.S.C. subsesction 1681 Revised September 2018 603 ( k ) ( 1 ) describes the actions included in adverse actions, these would be the adverse actions caused by XXXX, XXXX and XXXX fraudulent and deceptive practices.
603 ( k ) ( 1A ) explains it the same meaning as 701 ( d ) ( 6 ) of the equal Credit Opportunity Act of which they are clearly in violation of.
603 ( k ) ( 1 ) ( B ) ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee. I have been denied six figure employment due to erroneous collections on my credit report 603 ( k ) ( 1 ) ( B ) ( iii ) A denial or cancelation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of any license or benefit described in section 604 ( a ) ( 3 ) ( D ) : I have been denied my ability to obtain my real estate license, Private investigators license, electricians license, pilots license and debt management license.
603 ( k ) ( 1 ( ) ( B ) ( iv ) ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under 604 ( a ) ( 3 ) ( F ) ( ii ) I have been denied several applications of credit due to this fraudulent reporting of this fraudulent charge and am currently waiting its removal to follow through with personal credit for a farm and several other obligations and endeavors.
603 ( k ) ( 1 ) ( B ) ( iv ) ( II ) adverse to the interest of the consumer, I have had to avoid lucrative business and personal endeavors due to this false/fraudulent collection.
611 PROCEDURE IN CASE OF DISPUTED ACCURACY there is absolutely nothing about this debt that is not inaccurate and that I have not contested. From the validity to reporting it as my personal debt. These commonly used practices by XXXX, XXXX and XXXX are deceptive and inaccurate. XXXX, XXXX, XXXX and all three credit reporting agencies are in violation of this subsection in that : 611 ( a ) ( 1 ) ( A ) requires an actual reinvestigation, not just everyone swearing by their lies as has been done in this instance by XXXX, XXXX, XXXX and the three credit reporting agencies, the credit reporting agencies conduct no reasonable reinvestigation. They ask XXXX if the information is correct, he says yes with absolutely no supporting documentation ( as Im sure XXXX and XXXX hasnt given him any as it does not exist ) so the third party fraud is confirmed and left illegally on my credit report. This complaint could not be determined frivolous by credit reporting agencies as I have supplied documentation, evidence and facts for years now as well as correctly filled out their contact forms as per their limitations in number or words/characters.
611 ( a ) ( 2 ) ( A ) I have never been contacted within 5 days of requesting reinvestigation from anyone, let alone the three major credit reporting agencies.
611 ( a ) ( 5 ) ( A ) ( i ) this has not been promptly deleted by all three credit reporting agencies as mandated as they failed in their reinvestigation duties of proof and evidence.
611 ( a ) ( 5 ) ( B ) ( iii ) ( I ) I have never received notice from ANY of the three credit reporting agencies of Reinstatement at all, let alone with 5 days as mandated.
611 ( a ) ( 8 ) I am requesting expedited recourse as the irreparable harm continues with this on my report. This needs to be removed with 3 days.
621 in this complaint I have proven several violations of these acts. Federal trade commission has jurisdiction in that a violation of any of the requirement or prohibition imposed under this title shall ( not may ) constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ) and shall ( not may ) be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency OR person that is subject to enforcement by the Federal Trade Commission 621 ( a ) ( 2 ) ( A ) in the event of knowing violation ( reporting agencies and collectors of debt are required to know. Ignorance of the law is no excuse ) which constitutes a pattern OR practice of violations of this title, The Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil liability of not mor that {$3700.00} per violation. I am requesting a full investigation and that this suite be brought against the several peoples for the several incidents so I can recover them maximum damages, as well as attorneys fees.
621 ( c ) ( 1 ) I also invoke state jurisdiction for civil and criminal liability of XXXX, XXXX, XXXX and all parties involved with their businesses or the several consumer reporting agencies already named.
623 ( a ) ( 1 ) ( A ) makes it illegal to provide inaccurate information to credit reporting agencies. XXXX, XXXX and XXXX knew full well these charges were fraudulent, illegal and I had absolutely no personal liability in them as this has been complained of numerous times for years now.
623 ( a ) ( 1 ) ( B ) Reporting information after notice and confirmation of errors is also illegal. I have proven this fraud and complained of it multiple times to all parties involved.
623 ( 2 ) ( B ) It is the duty of the reporting agency to correct as well as the duty of the collection agency to inform. None of this has ever been corrected despite repeated complaints and evidence.
623 ( 3 ) If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. This fraudulent charge has NEVER not been disputed since it was fraudulently created.
623 ( 7 ) I have not received any notices in writing concerning this debt, my complaints, the outcome of investigations or even that there were investigations.
623 ( 9 ) ( b ) Duties of Furnishers of Information upon Notice of Dispute, summarily NONE of these have aver been followed in any of the numerous disputes and complaints I have filed, causing several hundred incidents of violations to this title by the furnishers of information, XXXX, XXXX and XXXX I am also requesting the above named be investigated for state and federal wire fraud as these communications and this fraud has repeatedly occurred across state lines in my case as well as the several other cases ( specifically targeting disadvantaged peoples ) as your thorough investigation will uncover.
XXXX XXXX Dated : XX/XX/XXXX
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| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : 05 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX 1 ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX USA XXXX. ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT ED/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.
XXXX ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
XXXX ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
XXXX ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
XXXX ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
XXXX ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights.
XXXX ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting.
I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title XXXX sec. XXXX that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately!
THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE XXXX XXXX DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR XXXX XXXX COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Might it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
XXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
XXXX ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
XXXX ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced XXXX XXXX of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation.
XXXX. Tell me in writing what information you refuse to remove and why.
XXXX. Tell me in writing what you did to determine that the information was accurate. XXXX. Note the in-formation as disputed BY the CONSUMER on my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, ad-dresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the ad-dress listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
FURTHER, CONFIRM the five key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to YOUR DEFICIENT and NOT PROVEN COMPLIANT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must re-quest that your bureau confirm in writing the following personal information : 1- FULL LEGAL NAME as it Appears on my Credit report 2- Legal Address of Record 3- SSN # ( or redacted last 4 digits ) 4- Date of Birth XXXX Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged trade-line information oc-curs.Per CRSA, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry XXXX NULL and VOID. Moreover, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a RE-AL- TIME browser LOCKDOWN to be lawful.Per CRSA implementation, if a data furnisher fails to respond within20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIAL-IST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compli-ant and unlawful if used by furnishers or accepted by CRAa.Federal laws mandate MANUAL EN-TRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro 2 data fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any con-sumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment.Per the XXXX, XXXX and all CRA in-sourced XXXX Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement.I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX XXXX XXXX data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how report-ed/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS.Further lawful report-ing demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository.Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of cur-rent MY states reporting regulations as well as those of federal laws, even the XXXX METRO XXXX COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, cor-rect, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
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| 12/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure the maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only XXXX XXXX accurate credit information. Every step must be taken to ensure the information reported is accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting XXXX XXXX correctly.
Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you can not provide me a copy of verifiable proof within XXXX days after your investigation, you must remove the accounts and the information listed below. Ive sent out dispute letters, and they never sent me evidence supporting my dispute to resolve any issues. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original wet signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if I fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were XXXX XXXX accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than XXXX days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 2. Agreement with your client that grants XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX the authority to collect 3. this alleged debt.
4. Original wet ink Signed agreement Debtor has made with the Debt Collector, or another verifiable proof Debtor has a 5. contractual obligation to pay a Debt collector.
6. Any agreement that bears Debtor 's original wet ink signature, wherein agreed to pay Creditor.
7. All statements while this account was open.
8. Have any insurance claims been made by any creditor regarding this account?
9. O Yes 10. O No 11. Have any Judgements been obtained by any creditor regarding this account?
12. O Yes 13. O No Please provide me the name and address of the bonding agent for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 14., in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within XXXX calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
As I know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error.
The items below should all be updated to paid as agreed on my consumer report.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX As a consumer by law, these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we have already been involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission ).
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
INCLUDING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Under 15 USC 1611 " THIS REPORTING AGENCY '' is criminally liable Your Registered Agent also received a Notice of Pending Litigation and Notice of Default with the opportunity to cure.
Recently checked my credit reports and realized your agency and this debt collector is in violation of 15 U.S. Code 1681a ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in, the exclusions in paragraph ( 2 ) shall not apply concerning information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services.
And 15 US Code 1681b ( 4 ) Limitation on redisclosure of medical information Any person that receives medical information under paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order.
Under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 15 days, and you must delete the items from my credit file immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now, this is my last attempt before I take legal action. The law you are violating is here. The civil liability law which I will sue under is here.
Under 15 USC 1611, THIS REPORTING AGENCY is criminally liable. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. YOUR REGISTERED AGENT IS SERVED NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA 15 U.S. CODE 1681n Civil Liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
You have no legal standing against me Pursuant 15 U.S. Code 1692i ( b ) ( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. I will be filling for a default judgment and entering a class action for violation, stress, and mental anguish, and at least 1 % of the company under TILA 1640 or any other damages under 1692k This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Under 15 USC 1611 TRANSUNION, XXXX XXXXs criminally liable 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
Failure to Comply or delete these items 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter concerning any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Under 15 US Code 1681a ( 4 ) as a consumer, I have the right to privacy and this bankruptcy must be deleted from my consumer report or I will seek monetary damages in small claims court in my city and state. Also, I already sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
REF : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This agency violates 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, but I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Your Registered Agent also received a Notice of Pending Litigation and a Notice of Default with an opportunity to cure.
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by the consumer.
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by a consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer under subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.
( XXXX ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) a such number of punitive damages as the court may allow.
I did not initiate any of these inquiries furthermore if you feel like I did please send me copies of my written signature giving consent to this matter, please.
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX By FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 15 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 15 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals XXXX or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely, XXXX XXXX
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| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The reporting agencies are reporting inaccurate information on the consumer account listed as XXXX XXXX XXXX XXXX. There are several inconsistencies that reporting agencies are reporting which means this account has not been verified and the only reason the reporting agencies are reporting the account is because of the financial gain.
The list of inconsistencies : 1. ) Account # : XXXX XXXX XXXX 2. ) Account Type - Detail : Credit Card Credit Card - 3. ) Bureau Code : Individual Terminated Individual 4. ) Account Status : Closed Closed Open 5. ) Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 6. ) Balance : {$28000.00} {$0.00} {$28000.00} 7. ) High Credit : {$29000.00} {$29000.00} {$0.00} 8. ) Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 9. ) Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 10. ) Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.
( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt.
( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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Trans Union, XXXX and XXXX continue to report 2 alleged XXXX on my consumer report. I contacted the XXXX XXXX XXXX IL XXXX and spoke directly to the Clerk of Court and they stated they do not release court filings to third parties other than the attorneys and parties to the case. This means XXXX and XXXX are both violating FCRA by reporting information they have and can not validate as belonging to me. Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. ( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information. ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies. ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute. ( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof. ( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information. ( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved. ( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ). ( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection. ( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection. ( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection. ( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section. ( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices. ( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( 2 ) ( A ) the notice by the consumer reporting agency under paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ). ( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly. ( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran. ( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt. ( 3 ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( 1 ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 05/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the inaccurate information on my credit report. My name, XXXX XXXX XXXX, has been incorrectly reported as XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX by the credit reporting agencies. Additionally, there are multiple incorrect addresses listed, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX, XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX.
The inaccurate reporting of my name and addresses has had a severe impact on my life. I have been denied credit, employment, and even housing due to the false information on my credit report. I have had to explain to potential employers and landlords why my credit report contains incorrect information, causing unnecessary stress and embarrassment.
These inaccuracies violate the Fair Credit Reporting Act ( FCRA ), specifically sections 1681e and 1681i. The credit reporting agencies have failed to maintain reasonable procedures to ensure the accuracy of the information contained in my consumer report and have failed to investigate and correct inaccuracies in a reasonable time.
Furthermore, the inaccurate reporting of my addresses and failure to truncate credit card and social security numbers in consumer reports also violate the Fair and Accurate Credit Transactions Act ( FACTA ) section 605 ( g ).
The following inquiries have been made without my authorization or consenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have carefully reviewed my credit report and found that these inquiries were made without my knowledge or permission. As per the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), these inquiries must have a permissible purpose, and I have not authorized any of these entities to access my credit report.
These unauthorized inquiries have significantly impacted my credit score and have made it difficult for me to obtain credit when I need it. This has caused me a great deal of emotional and financial distress. It has been very challenging for me to manage my finances and maintain a good credit standing because of these unauthorized inquiries.
I am requesting that the credit reporting agencies investigate these inquiries and remove them from my credit report as they are not permissible under FCRA and FACTA. Additionally, I would like to request the name of the entity that made the inquiry, the date of the inquiry, and the permissible purpose for the inquiry as required by FACTA section 313.
I urge you to take swift action to enforce the legal requirements set forth in FCRA and FACTA to protect consumers from unauthorized inquiries that can negatively impact their credit standing. Please let me know the outcome of your investigation and the steps taken to resolve this matter.
XXXX XXXX According to all three credit bureaus, I was 120 days late on XX/XX/XXXX, but I have not missed any payments on this account. Furthermore, there are discrepancies in the dates and information listed on my credit report across the three major credit burea
us, which may indicate inaccuracies or inconsistencies that violate sections of the FCRA.
As a result of these inaccuracies, my credit score has been negatively impacted, which has caused significant stress and hardship in my life. I have been denied credit and have been unable to secure a loan to buy a car or a home. This has prevented me from achieving my financial goals and has caused immense emotional distress for me and my family.
I believe that XXXX has provided inaccurate information to the credit bureaus, and that the bureaus have failed to follow reasonable procedures to ensure the accuracy of the information. Therefore, I am requesting that XXXX remove any negative marks on my credit report that were a result of the inaccurate reporting.
XXXX XXXX XXXX account number XXXX. According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, despite not missing any payments on this account. Moreover, there are discrepancies in the dates and information listed on my credit report across the three major credit bureaus.
This inaccurate reporting has had a significant impact on my life. Due to the negative mark on my credit report, I have been denied credit, faced higher interest rates on loans, and had difficulty securing housing. As someone who has always been financially responsible, this has been devastating for me.
Based on the information provided, there may be potential violations of the Fair Credit Reporting Act ( FCRA ) related to the reporting of inaccurate information by XXXX XXXX XXXX to the credit bureaus. Under FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. Section 611 requires that consumers have the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider ( in this case, XXXX XXXX XXXX XXXX XXXX
Additionally, FCRA section 623 requires that consumer reporting agencies investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years.
According to all three major credit bureaus, I was 30 days late on my XXXX account on XX/XX/XXXX. However, I have never missed any payments on this account. The discrepancies in the dates and information listed on my credit report across the three major credit bureaus have caused a lot of distress in my life.
In particular, the inaccurate information has affected my ability to obtain loans and credit, and has caused me a great deal of emotional stress. I have worked hard to maintain a good credit score, but the false negative mark on my credit report has made it difficult for me to achieve my financial goals.
Based on the potential violations of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide me with the results of your investigation. Specifically, XXXX may have provided inaccurate information to the consumer reporting agencies, and the agencies may have failed to follow reasonable procedures to ensure the accuracy of the information.
Under FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. Section 611 requires that consumers have the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider ( in this case, XXXX ).
In addition, FCRA section 623 requires that consumer reporting agencies investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years.
According to all three major credit bureaus, I was 30 days late on my XXXX account on XX/XX/XXXX. However, I have never missed any payments on this account. The discrepancies in the dates and information listed on my credit report across the three major credit bureaus have caused a lot of distress in my life.
In particular, the inaccurate information has affected my ability to obtain loans and credit, and has caused me a great deal of emotional stress. I have worked hard to maintain a good credit score, but the false negative mark on my credit report has made it difficult for me to achieve my financial goals.
Based on the potential violations of the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and provide me with the results of your investigation. Specifically, XXXX may have provided inaccurate information to the consumer reporting agencies, and the agencies may have failed to follow reasonable procedures to ensure the accuracy of the information.
Under FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. Section 611 requires that consumers have the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider ( in this case, XXXX ).
In addition, FCRA section 623 requires that consumer reporting agencies investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years.
XXXX, XXXX and the consumer reporting agencies, XXXX XXXX XXXX XXXX and TransUnion XXXX may have violated sections of the Fair Credit Reporting Act ( FCRA ).
As per FCRA section 607, consumer reporting agencies are required to follow reasonable procedures to ensure the accuracy of information in consumer reports. However, the information on my credit report regarding the Date of Last Activity, Date Reported, Date Opened, and Last Payment date is inconsistent and inaccurate.
Additionally, as per FCRA section 611, I have the right to dispute any inaccurate or incomplete information with both the consumer reporting agency and the information provider. Therefore, I request that XXXX review their records and verify the accuracy of the information they provided to the consumer reporting agencies.
Furthermore, FCRA section 623 requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. The discrepancies in the dates reported by XXXX, XXXX, and TransUnion may indicate a failure on the part of the consumer reporting agencies to follow reasonable procedures to ensure the accuracy of the information.
XXXX XXXX account. I have noticed discrepancies in the information provided by TransUnion and XXXX, which has negatively impacted my credit score and affected my ability to secure loans and other financial opportunities.
According to TransUnion and XXXX, I was 90 days late on XX/XX/XXXX, but I have not missed any payments on this account. Additionally, there are inconsistencies in the dates reported by TransUnion and XXXX regarding the Date of Last Activity, Date Reported, Date Opened, and Last Payment date.
These discrepancies have caused me undue stress and XXXX, as I have been working hard to maintain a good credit score to achieve my financial goals. My family and I have been struggling financially due to the XXXX pandemic, and the inaccuracies in my credit report have made it difficult for us to secure loans and other financial assistance when we needed it the most.
I urge you to enforce the legal requirements under FCRA section 607, which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of information in consumer reports, FCRA section 611, which grants consumers the right to dispute inaccurate or incomplete information with both the consumer reporting agency and the information provider, and FCRA section 623, which requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation.
XXXX XXXX on my credit report. Specifically, I am concerned about the inaccuracies in the Date of Last Activity, Date Reported, and Date Opened that have been reported by XXXX, XXXX, and TransUnion.
According to XXXX and XXXX, the Date of Last Activity for my account is XX/XX/XXXX, but TransUnion is reporting it as XX/XX/XXXX. Additionally, XXXX and XXXX have reported the Date Reported as XX/XX/XXXX, while XXXX is reporting it as XX/XX/XXXX. Moreover, XXXX and XXXX have reported the Date Opened as XX/XX/XXXX, whereas TransUnion is reporting it as XX/XX/XXXX.
These discrepancies in the information being reported have had a significant negative impact on my credit score, making it difficult for me to secure loans or credit cards at reasonable rates. As a result, I have been unable to obtain financing for important purchases and have been forced to rely on high-interest loans, which has caused a great deal of financial strain.
I am writing to request that XXXX remove this unverified account from my credit report, as it is having a detrimental effect on my financial well-being. I also want to emphasize that the inaccuracies in my credit report are in violation of FCRA section 607, which requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of information in consumer reports, and FCRA section 623, which requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation.
XXXX XXXX account XXXX. The information being reported by TransUnion, XXXX, and XXXX is inconsistent, which suggests that there may be inaccurate information being reported. This could be a violation of the Fair Credit Reporting Act ( FCRA ) sections 607 and 623.
FCRA section 607 requires consumer reporting agencies to follow reasonable procedures to ensure the accuracy of information in consumer reports. In this case, the inconsistencies in the dates reported by the consumer reporting agencies for my account with XXXX XXXX suggest that there XXXX be inaccurate information being reported.
FCRA section 623 requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years. If there is inaccurate information being reported, the consumer has the right to dispute it with the consumer reporting agency and request that it be corrected or removed from their credit report.
Specifically, the XXXX account XXXX is being reported with inconsistencies in the dates of last verified, date of last activity, date opened, and account status.
These inconsistencies suggest that there may be inaccurate information being reported, which is a violation of FCRA section 607. Additionally, the inconsistent reporting of the account status may also be a violation of this section. I have been negatively impacted by these inaccuracies, as they have affected my creditworthiness and ability to secure loans and credit.
I have attempted to resolve this issue with both TransUnion and XXXX, but have not received satisfactory results. As such, I am requesting that you enforce the legal requirements under FCRA section 623 and investigate this dispute. I also request that you require the creditor to remove these unverified accounts from my credit report.
XXXX, account number XXXX. According to the Fair Debt Collection Practices Act ( FDCPA ) section 809, debt collectors are required to provide a written notice to consumers within five days of their initial communication that includes the amount of the debt, the name of the creditor, and a statement informing the consumer that they have 30 days to dispute the debt. However, I never received any such notice from XXXX, and they did not notify me when they sold my account to a collection agency.
This lack of notification has caused me significant stress and anxiety. I have always been diligent about paying my bills on time, and it is devastating to discover that I have a collection account on my credit report that I was never aware of. This has greatly impacted my ability to obtain credit and has caused me to be denied for loans and credit cards.
Furthermore, I have noticed that the account status is being reported as " open '' when it should be reported as " closed '' or " in collections. '' This may be a violation of the Fair Credit Reporting Act ( FCRA ) section 623, which requires consumer reporting agencies to investigate disputes within 30 days and provide consumers with the results of the investigation. If the investigation results in a change to the information on the credit report, the consumer reporting agency must provide the updated information to the consumer and to any entity that has requested the report in the past two years.
I request that XXXX remove this unverified account from my credit report immediately, as it is inaccurate and causing harm to my creditworthiness. I also request that the collection agency be investigated for their failure to provide me with a written notice as required by the FDCPA.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act XXXX5 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L XXXX ( XXXX XXXX. XXXX ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( XXXX ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974.
Opt Out Laws PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in XXXX ( l ) ( XXXX ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything on my report at any time and the companies must comply as soon as reasonably practicable after I send out a notice.
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| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974.
Opt Out Laws PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything on my report at any time and the companies must comply as soon as reasonably practicable after I send out a notice.
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| 01/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I mailed Transunion with a letter from the US District Court stating that they do not report anything to the credit bureaus. Transunion has not replied with any names or contact information for who they have verified this BK with. This reporting is illegal under 15 USC 1692E and 15 USC 1681b. It has been over 100 days with no response from Transunion.
Transunion is not telling me who this was verified with because no one verified it.
REMOVE THIS UNVERIFIED ITEM FROM MY CREDIT REPORT. I HAVE THE PROOF ATTACHED, THIS IS UNVERIFIED AND ILLEGAL.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information XXXX not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 busi
ness days after making the deletion. ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( XXXX ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority The Commission1 may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual report The Commission1 shall submit to the Committee on Banking , Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers
( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( XXXX ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( XXXX ) ( A ) the notice by the consumer reporting agency under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( XXXX ) ( A ).
( XXXX ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
( g ) Dispute process for veterans medical debt ( 1 ) In general With respect to a veterans medical debt, the veteran may submit a notice described in paragraph ( 2 ), proof of liability of the Department of Veterans Affairs for payment of that debt, or documentation that the Department of Veterans Affairs is in the process of making payment for authorized hospital care, medical services, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.
( 2 ) Notification to veteran The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veterans medical debt.
( XXXX ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( XXXX ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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| 04/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : 1 XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 07 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 U.S. Code 1681b ( a ) it states Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. XXXX, Transunion, and XXXX are the reporting agencies, and I am the consumer. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 12 CFR 1022.3 - Definitions it states ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.. I did not give the authority for any of the three ( 3 ) credit reporting agencies written consent to have anything added to my consumer report. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6801 it states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. I have the right to make sure my private information isn't shared. This violation applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 1681- Congressional findings and statement of purpose it states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These unfair credit reporting methods undermine my confidence in continued functioning of the banking system. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information it states ( a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6802 it states ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; None of the three consumer reporting agencies have disclosed in writing or in electronic form permitted under section 6804 of this title, that such information may be disclosed to such third party. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6802 ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and. I was not given the opportunity to direct the information to not be disclosed to such third party. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6802 ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. I was not given an explanation of how to exercise that option this is a single violation.
In 15 U.S. Code 6802 ( 2 ) with the consent or at the direction of the consumer. I have not given my consent nor was this done at my discretion. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 6803 - Disclosure of institution privacy policy it states ( a ) At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to '' ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 3 ) protecting the nonpublic personal information of consumers. I have not received a disclosure annually from any of the three consumer reporting agencies that provides a clear and conspicuous disclosure in writing or in electronic form with respect to what is stated in ( 1 ) and ( 3 ). This violation applies to each year since establishment of a customer relationship on XX/XX/XXXX as stated in Account 3 in the Revolving Credit Accounts Section ( Page 8 ).
In 15 U.S. Code 1681a - Definitions ; rules of construction it states ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report; ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;. I was not given the opportunity, before the time that the information was initially communicated to direct that such information to not be communicated among such persons. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation also applies to Accounts XXXX in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; This violation applies to Revolving Credit Accounts section ( Page XXXX ) Accounts XXXX as these accounts are reporting an Account Balance which reflects utilization, this is reporting transactions and should not be on my consumer report.
In 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports it states ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) & to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX as these are not convictions of crimes.
15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
This applies to Account 1 in the Derogatory Information section ( Page 72 ) & to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX This also applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 1681e - Compliance procedures it states ( a ) Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports the consumer reporting agencies are also violating compliance procedures under this title. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In the Privacy Act of 1974 5 U.S. Code 552a - Records maintained on individuals, the term record is defined as ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ;. In ( b ) it states CONDITIONS OF DISCLOSURE No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. This further proves that the consumer reporting agencies need prior written instruction of the individual to whom it relates, and I have not given them written consent for such actions. This violation also applies to Account 1-3 in the Derogatory Information section ( Page 97 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation will apply to Account 40 in the Installment Credit Accounts section ( Page 20 ). This violation applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 31 U.S. Code 3711 - Collection and compromise it states ( e ) ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and. Not only have the 3 reporting agencies violated the Fair Credit Reporting Act, but they have also violated the Privacy Act of 1974. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) in the PDF file attached named XXXX XXXX XXXX XXXX. This violation applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 20 U.S. Code 1232g - Family educational and privacy rights it states ( B ) No funds under any applicable program shall be made available to any State educational agency ( whether or not that agency is an educational agency or institution under this section ) that has a policy of denying, or effectively prevents, the parents of students the right to inspect and review the education records maintained by the State educational agency on their children who are or have been in attendance at any school of an educational agency or institution that is subject to the provisions of this section. This violation applies to Accounts 3 & 12-17 in the Installment Credit Accounts section ( Page 20 ) in the PDF file attached named XXXX XXXX XXXX XXXX.
In 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.. This violation applies to Account 1 in the Derogatory Information section ( Page 72 ) & to Accounts 1-3 in the Collections Account section ( Page 70 ) in the PDF file attached named XXXX XXXX XXXX XXXX as these accounts do not belong to me.
In 16 CFR 313.4 Initial privacy notice to consumers required it states When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship. I never received such notice this is a violation, 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated ; this is a single violation. In 16 CFR 313.5 Annual privac
y notice to customers required. ( a ) In general ( 1 ) General rule. Except as provided by paragraph ( e ) of this section, you must provide a clear and conspicuous notice to customers that accurately reflects your privacy policies and practices not less than annually during the continuation of the customer relationship. Annually means at least once in any period of 12 consecutive months during which that relationship exists. You may define the 12-consecutive-month period, but you must apply it to the customer on a consistent basis. 15 U.S. Code 6803 - Disclosure of institution privacy policy was violated therefore this was also violated. This violation applies to each year since establishment of a customer relationship on 11/29/2014 as stated in Account 3 in the Revolving Credit Accounts Section ( Page 8 ).
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| 03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : ( Original Creditor : ) XXXX XXXX XXXX Late Payment {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a XXXX XXXX or attend XXXX. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : ASCENDIUM ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : No Name on Report ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : XXXX PR ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Original Creditor : 11 XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : ACCOUNT NUMBER : STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( XXXX ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
( XXXX ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( XXXX ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( XXXX ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information.
( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( XXXX ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( XXXX ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( XXXX ) ( A ), then the agency shall not be required to comply with paragraphs ( XXXX ), ( XXXX ), and ( XXXX ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( XXXX ) Treatment of complaints and report to XXXX ( XXXX ) In general The Commission [ XXXX ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( 2 ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( XXXX ) Rulemaking authority The XXXX may prescribe regulations, as appropriate to implement this subsection.
( XXXX ) Annual report The XXXX shall submit to the XXXX on XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX of the House XXXX XXXX an annual report regarding information gathered by the XXXX under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( XXXX ) Exemption from general reinvestigation requirement Except as provided in paragraph ( XXXX ), a reseller shall be exempt from the requirements of this section.
( XXXX ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within XXXX business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( XXXX ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( XXXX ) ( A ) the notice by the consumer reporting agency under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) of subsection ( a ) shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( XXXX ) ( A ).
( XXXX ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly.
( g ) Dispute process for XXXX XXXX XXXX ( XXXX ) In general With respect to a XXXX XXXX debt, the veteran may submit a notice described in paragraph ( XXXX ), proof of liability of the Department XXXX XXXX XXXX for payment of that debt, or documentation that the Department XXXX XXXX XXXX is in the process of making payment for authorized hospital care, XXXX XXXX, or extended care services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the veteran.
( XXXX ) Notification to veteran The Department XXXX XXXX XXXX XXXX submit to a veteran a notice that the Department XXXX XXXX XXXX has assumed liability for part or all of a XXXX XXXX debt.
( XXXX ) Deletion of information from file If a consumer reporting agency receives notice, proof of liability, or documentation under paragraph ( XXXX ), the consumer reporting agency shall delete all information relating to the veterans medical debt from the file of the veteran and notify the furnisher and the veteran of that deletion.
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| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a po
lice report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I
was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX HOSPITAL XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER:XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER:XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX. This Affidavit of Truth is made pursuant to Fair Credit Reporting Act as codified at 15 U.S. Code 1681 which stipulates that a consumer reporting agency must, if requested, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of. a ) appropriate proof of the identity of the consumer ; b ) a copy of an identity theft report ; c ) the identification of such information by the consumer ; and d ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX. ) I, a consumer in fact, agree with The Congress Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) which concluded that the banking system is dependent upon FAIR and ACCURATE credit reporting. Unfair credit reporting methods undermine the confidence of the public, which is essential to the functioning of our banking system. However, you have acted unfair by reporting unverified and inaccurate information without investigating me about the alleged transactions, and only taking one side of the story. That doesnt sound fair. 3. ) I, a consumer in fact, agree with The Congress that youre nothing but an elaborate mechanism, developed to discriminate against me, based on the evaluation of my credit worthiness, character, and reputation Pursuant to 15 U.S. Code 1681 ( a ) ( XXXX ). Congress is letting me know here that you truly are NOBODY. XXXX. ) Take Notice that Pursuant to 15 U.S. Code 1681 ( a ) ( 3 ), you have only assumed this vital role to evaluate my consumer report, without having any real authority or consent by the consumer to do so ; XXXX. ) Pursuant to 15 U.S. Code 1681 ( a ) ( 4 ), you have failed to exercise your grave responsibilities with fairness, impartiality, and a respect for my consumer right to privacy ; XXXX. ) Pursuant to 15 U.S. Code 1681 ( b ) consumer reporting agencies must adopt reasonable procedures for meeting the needs of commerce. Accuracy is about equity and must be equitable to the consumer. Must be fair on both sides, but you werent acting fair when in your initial investigation, you failed to contact me to ask about the alleged transactions, when I am the only individual with actual first-hand knowledge, but only decided to take one side of the story. Pursuant to The Fair Debt Collections Practices Act, the following proofs of claim are requested : 1. ) Proof of claim : The Alleged Lenders involved in the alleged loans, did not purchase the promissory note from the consumer, hereinafter the Alleged Borrower. If not rebutted, this statement stands as truth 2. ) Proof of claim : The Alleged Borrowers may repay the alleged loan with the same species of money as may be on the loan per GAAP, ending all interest and liens. If not rebutted, this statement stands as truth. A. Proof of claim : The Alleged Lender converted the Alleged Borrowers promissory note, accepting the Alleged Borrowers promissory note as money or like money to fund a check or similar instrument that the Alleged Lender then lent to the Alleged Borrower ( which has an economic effect similar to stealing, counterfeiting, and swindling. ) If not rebutted, this statement stands as truth. B. Proof of claim : The Alleged Lender has failed to follow Federal Laws 12 U.S.C. 1831n ( a ) ( 2 ) ( A ) and/or 12 CFR 741.6 ( b ) regarding General Accepted Accounting Principles and Generally Accepted Auditing Standards concerning this loan. If not rebutted, this statement stands as truth. XXXX XXXX of claim : The XXXXlleged Borrower truly provided the money, transfer of funds money equivalent, credit, funds, capital, or thing of value, and they pursued to securitize it! If not rebutted, this statement stands as truth. Please provide me with the below mentioned items : * The amount you claim the Principal owes you. * IRS Documents such as 1099a, 1099c and any other IRS forms filled out on my behalf without my knowledge. * Full accounting ledger. * All legal documents. * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount. * The identity of the original creditor. * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period. * Evidence that you are a licensed debt collector. * Evidence of your license numbers and your registered agent. FACTS ON THE MATTER : XXXX. Fact, I so invoke nunc pro tunc, Pursuant to 15 U.S.C. 1681a ( c ) declare that I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in Due course of any and all derivatives thereof for the surname/given name and have been appointed and accepted being the executor both public & private for all matter proceeding, and I hereby claim that I will autograph as the agent, attorney in fact, and I furthermore Demand that you correct your reporting. 2. Fact, Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( I ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a VIOLATION of my consumer right. 3. It is a Fact that Pursuant Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( III ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation. 4. It is a Fact that Pursuant Title 15 USC 1681a ( e ) - The production of an " investigative consumer report '' involves obtaining information about a consumer 's character, reputation, personal characteristics, or lifestyle through personal interviews with their neighbors, friends, associates, or others who may have knowledge of the consumer. This information is used to form a report that provides a comprehensive understanding of the consumer. XXXX. Fact, I the consumer, original creditor do so extend my open ended credit on file to eliminate any verified debt, all valid debt must be verified and documented on record by wet ink signature, so be it, and ; XXXX. Fact, that I by this notice and demand declare I have no verified evidence for certified mailings, and again for the record, I have absolutely no knowledge of the alleged debts listed on your website, company records, or any and all derivatives therefore, of, and/or with any affiliates or agencies acting as a real party or a third party interlopers, I again state I have no knowledge of this indirect, unverified, debt, so be it, and ; XXXX. Fact, I am an eyewitness to the information by allegations against my name being incorrect, and I demand the documented verification of any and all derivatives for an alleged debt for any such debts alleged to be mine the consumer in fact, so be it, and ; XXXX. I do not know any of the alleged creditors and debt XXXXollectors, so be it, and ; 9. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds, so be it, and ; 1XXXX. Fact, I know that no valid direct verified contracts exist with me and another party by wet ink signature, I know that any attempt to collect a debt is actually alleged indirect action, please verify and document all verifications, accordingly, so be it, and ; XXXX. Fact, all allege contracts are completely fraudulent and the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud, so be it, and Demand that you stop sending me fraudulent bills and ; XXXX. Fact, my request to block information that is fraudulent, and a result of identity theft was not done in error. XXXX. Fact, my request to block information was not a material misrepresentation. XXXX. Fact, I never benefited or obtained goods, services, or money from the alleged transactions. XXXX. Fact, Pursuant to FCRA 605B & 15 USC 1681 c-2, when a block imposed by a consumer reporting agency is rescinded, any information present in the consumer 's file prior to the block can not be considered as proof of the consumer 's knowledge or expectation of obtaining goods, services, or money due to the block. XXXX. Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; XXXX. Fact, In order to ensure a thorough investigation is conducted, it is important to gather as much information as possible from a variety of sources. This includes obtaining full names and addresses of all individuals interviewed, as well as a detailed account of what was said during the interviews. Additionally, it is important to confirm the method used to verify the information obtained during the interviews, as this helps to ensure the accuracy and reliability of the information included in the report. XXXX. Fact, It is also important to note that the Fair Credit Reporting Act ( FCRA ) regulates the production of consumer reports, including investigative consumer reports. The FCRA sets strict guidelines for the information that can be included in a consumer report, as well as the methods used to obtain that information. Under the FCRA, companies producing consumer reports are required to conduct a reasonable investigation and to provide consumers with a copy of the report if requested. They must also provide the consumer with information about the sources of the information included in the report. XXXX. Fact, the production of an investigative consumer report requires a thorough investigation to ensure the accuracy and reliability of the information included in the report. The FCRA provides the legal framework for the production of consumer reports and helps to ensure that consumers are protected against the dissemination of inaccurate or incomplete information. XXXX. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any corporate affiliates like XXXX, Transunion or XXXX to ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce, or I will be compelled to take legal steps against you for the below mentioned reasons ( Violation of the Fair Credit Reporting Act ( F.C.R.A. ) ; Violation of the F.D.C.P.A. ; Defamation of character ; Use of my copyrighted property ), so be it, and ; XXXX. Fact, I am not a debtor. XXXX. Fact, A copy of consumer contract is not sufficient evidence to validate a debt. ( Reference- XXXX Concrete F.C.U. v. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ( XXXX ) ). XXXX. Fact, natural person defined see 15 U.S.C. 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt., so be it, and ; XXXX. Fact, natural person defined see 15 U.S.C. 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another, so be it, and ; XXXX. It is a fact that Credit is defined in 15 USC 1602 ( f ) as The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment ; XXXX. Fact, as an executive of a Private U.S. Estate any fractional notes, certificates of deposit, bills, checks, or drafts for money drawn or authorized by my signature as an authorized officer of the United States IS an obligation of the UNITED STATES to settle ; not mine! XXXX. Fact, that according to the congressional findings in 15 USC 1692 on Abusive Practices it states that There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectorXXXX. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy ; I believe that my privacy is being violated by your company, and ; XXXX. As of XX/XX/XXXX, an amendment to Regulation F, which implements the FDCPA, says that a debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and TransUnion, before first contacting the consumer ; XXXX. Fact, Actual damages are not capped at {$1000.00}. ( Reference- XXXX XXXX XXXX offices of XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX ) XXXX. Fact, If this affidavit is not rebutted point for point by a duly qualified representative of Consumer Reporting Agency at any level, in any manner, at any time within ( 5 ) five days upon receipt, these facts are proven and confirmed as true. I hereby Demand! That you BLOCK AND REMOVE the following accounts from my consumer file. Take further notice that your failure to follow these laws and meet my demands will result in holding your company civilly and criminally liable and invoking specified remedies under Title XXXX including but not limited to FCRA violations, TILA violations, FDCPA violations, and I will seek reimbursement for all my damages. Any man or woman responding to this affidavit will answer in the manner of this affidavit, using your XXXX or family name for signature, and mailing it to the below named notary, address provided, within five ( 5 ) days, or default will be obtained. If more time is needed to respond to this request, it must be requested in writing within five ( 5 ) days of receipt. MAXIMS OF LAW 1. In Commerce- Truth is sovereign. 2. For a matter to be resolved, it must be expressed. XXXX. Point of Law : Silence equates to an agreement. Further Affiant sayeth not. TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a 1. The term consumer means an individual. XXXX. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility XXXX. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX. The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. XXXX. The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. You have XXXX business days from the receipt of this notice to block and remove all fraudulent items and remarks from my consumer file or I may seek damages Pursuant to 15 U.S. Code 1681m. Additionally, I DO NOT consent to any automated scan response or e- Oscar verification methods. CERTIFICATION I certify under penalty of perjury under the laws of the United States of America pursuant to 28 USC 1746 ( 1 ) that the foregoing is true and correct.
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| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT XXXX COLLECTION AGENCY : CREDIT COLL ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX NORTHLAND ACCOUNT NUMBER : UNKNOWN COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : UNKNOWN COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT XXXX : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to formally dispute many items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case # XXXX XXXX XXXX XXXX XXXX XXXX., where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the referenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed acct listed in document. Per 16 CFR 433.3 Exemption of sellers taking or receiving open end consumer credit contracts before November 1, 1977 from requirements of 433.2 ( a ).
( a ) Any seller who has taken or received an open end consumer credit contract before November 1, 1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.
( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchase
s or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. [ 42 FR 19490, Apr. 14, 1977, as amended at 42 FR 46510, Sept. 16, 1977 ] 16 CFR 424.1 Unfair or deceptive acts or practices. In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not
have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets.
[ 54 FR 35467, Aug. 28, 1989, as amended at 79 FR 70056, Nov. 25, 2014 ] 15 USC 6805 ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ).
( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity.
( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer.
( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies.
( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act.
( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title.
( XXXX ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection.
( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title.
( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section.
( 2 ) Exception The agencies and authorities described in paragraphs ( 3 ), ( 4 ), ( 5 ), ( 6 ), and ( 7 ) of subsection ( a ) shall implement the standards prescribed under section 6801 ( b ) of this title by rule with respect to the financial institutions and other persons subject to their respective jurisdictions under subsection ( a ).
( c ) Absence of State action If a State insurance authority fails to adopt regulations to carry out this subchapter, such State shall not be eligible to override, pursuant to section 1831x ( g ) ( 2 ) ( B ) ( iii ) of title 12, the insurance customer protection regulations prescribed by a Federal banking agency under section 1831x ( a ) of title 12.
( d ) Definitions The terms used in subsection ( a ) ( 1 ) that are not defined in this subchapter or otherwise defined in section 1813 ( s ) of title 12 shall have the same meaning as given in section 3101 of title 12.
( Pub. L. 106102, title V, 505, Nov. 12, 1999, 113 Stat. 1440 ; Pub. L. 111203, title X, 1093 ( 4 ), ( 5 ), XXXX XXXX XXXX, 124 Stat. 2096, 2097. ) Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX XXXX address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. ( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. [ 65 FR 33677, May 24, 2000, as amended at 74 FR 62966, Dec. 1, 2009 ] 16CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ 40 FR 53506, XXXX XXXX XXXX ; 40 FR 58131, XXXX XXXX XXXX ]
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| 03/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Since XXXX, I have contacted TransUnion approximately 20 times through notarized, written correspondents and sent by certified mail to inform them of the more than 100 inaccurate pieces of information that they are furnishing on my credit report along with the violations of my rights.
In accordance to the FCRA & FDCPA TransUnion and creditors are violating my rights and are in VIOLATION of the following : Violating Consumer Protection Afforded by the FCRA : TransUnion has furnished information without my permission. I have not granted. Permission in writing for furnish any information. Violation : 15 USC1681 SECTION 604 A Section 2 states that a consumer reporting agency can not furnish an account without written instructions from consumer.
Violating Consumer Protection Afforded by the FCRA : Violating Rights to Privacy : I do not consent to the information that currently furnished on. My consumer report and demand for the removal of the information in question. Violation : 15 USC 1681 SECTION 602 A States that I have the right to privacy.
Defamation, Willful Injury : TransUnion refuses to correct information. After being provided proof of inaccuracy. Violation : FCRA Section 623 XXXX XXXX Trans Union XXXX. US Court of Appeals for the XXXX Circuit Court case XXXX XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX No. XXXX ) Violating Consumer Protection Afforded by the FCRA : TransUnion has failed to respond to multiple written disputes within 30 days. Violation : FCRA Section 611 Part ( A ) ( 1 ) Violating Consumer Protection Under the FCRA : Transunion has failed to conduct a proper investigation and delete all inaccurate and unverifiable information. Violation 1 Violating Consumer Protection Under the FDCPA : TransUnion and creditors have failed to report all disputed debts as disputed on consumer report. Violation : FDCPA Section 807 ( 8 ) Violating Consumer Protection Under the FDCPA : TransUnion and creditors have failed and refused to validate debt but continues to furnish on consumer report. Violation : FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX.
Defamation, financial injury : TransUnion and creditors are reporting my credit history inaccurately. Violation : US Court of Appeals XXXX XXXX, No XXXX, XXXX vs. XXXX XXXX Violating Consumer Protection Afforded by the FCRA : TransUnion has failed to report all disputed debts as disputed on consumer report. Violation : FCRA Section 623 Violating Consumer Protection Afforded by the FCRA : XXXX have Re-aged multiple accounts by reporting the date of the of the last activity instead of the date of the first delinquency. Violation : FCRA Section 605 ( c ) TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 3 accounts that are displayed on my credit report as XXXX.
XXXX : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.
These accounts were deleted from XXXX XX/XX/XXXX as a result of inaccurate information ; however, remains on Transunion.
1st date of delinquency is inaccurate and throws off the entire history of the ac count, different dates for last paid is being reported differently to the each bureau, inaccurate date last active, Reporting as Chargeoff/Collections. Can not report as. Both debt and income Past Due Amounts are. Being reported differently to to each credit bureau.
Different Charged off Amounts being reported to different bureaus.
Past Due Balance. Being reported on what is deemed a Charged Off account.
Past Due Amounts are. Being reported differently to to each credit bureau.
Inaccurate balances are being reported and request for documentation proving so inaccurate payment history, Unverified account and requesting original documents of signed contract TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 11 accounts that are displayed on my credit report as US DEPT OF EDUCATION.
US DEPT OF EDUCATION : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.
date of 1st delinquency is inaccurate and throws off the entire history of the ac count, a Past Due Balance is being reported even though this is a collections account : Violation Unverified account and requesting original documents of signed contract different dates for last paid is being reported differently to the each bureau, Open date reflects multiple inaccuracies ; multiple dates are reported as date open Unverified account and requesting original documents of signed contract Date last paid shows multiple dates on different bureaus inaccurate date last active, Inaccurate payment history Unverified account and requesting original documents of signed contract Account is reported as both a collections and a. Charge off Payment status is being reported differently across bureaus TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 11 accounts that are displayed on my credit report as DEPT OF ED / XXXX DEPT OF ED / XXXX : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.
Account Status is transferred and should no longer be furnished on consumer report.
Account Status is transferred but states 120 days late 1st date of delinquency is inaccurate and throws off the entire history of the ac count, Date last paid shows multiple dates Different date last active ( different months and years ) is being reported Different dates of lats payment is being reported.
Different date of last activity Unverified account and requesting original documents of signed contract TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 1 account that is displayed on my credit report as XXXX XXXX XXXX XXXX : The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.
Unverified account and requesting original documents of signed contract TransUnion is reporting and furnishing the following INACCURATE account information : ALL following details refer to 1 account that is displayed on my credit report as XXXX XXXX XXXX XXXX. :. The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE LATE PAYMENTS FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.
Late payments are inaccurately being. Reported and are not consistent across all 3 bureaus Inaccurate payment history TransUnion is in reporting and furnishing the following INACCURATE account information : PERSONAL INFORMATION. :. The following inaccurate account information is being furnished on my credit report. REMOVE /DELETE EMPLOYER FROM CREDIT REPORT FOR FCRA NON-COMPLIANCE of inaccurate data being furnished on the consumer report.
Employers : REMOVE FROM CONSUMER REPORT EXPLANATION OF EVIDENCE : &. ATTEMPTS TO RESOLVE THESE MATTERS Provided below is the timeline of correspondence to TransUnion that detailed all the above information regarding inaccuracies that have been blatantly furnished on my. Credit report over a 2.5. year time period.
Each correspondence was. a typed or written document that was notarized and sent by certified mail to TransUnion.
The following explains all requests mailed as well as responses or lack thereof from TransUnion. The documents that I have provided to support my complaint demonstrates that timeline that is described below.
I have provided the notarized written correspondence that I have sent to TransUnion along with their responses to such correspondents.
XXXX : All following details refer to accounts that are displayed on my credit report as NAVIENT**** XX/XX/XXXX : I Requested validation of debt along with the deletion of all unverifiable. Accounts XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Terms ; Rating.
XX/XX/XXXX : I Requested validation of debt for a second time-requesting original documentations. From the creditor with my signature along with deletion of unverifiable accounts XX/XX/XXXX : Transunion Responds and states that. We investigated the information you disputed and updated : Date Updated ; Past Due ; Terms ; Rating.
XX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deleting unverifiable accounts XXXX. XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Rating.
XX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response.
XX/XX/XXXX : Through written correspondence, I informed Transunion. That there are different Charged OFF Amounts being reported to different bureaus. Request. For deletion due to reporting inacccuracies.
No response XX/XX/XXXX : Through written correspondence, I informed Transunion for a second time. That there are different Charged Off Amounts being reported to different bureaus. Along with request for deletion. Due to reporting inaccuracies.
XX/XX/XXXX : Transunion responds with : Dear XXXX XXXX XXXX, We understand that recently something on your credit report did not seem right to you. We take this matter seriously, and we want to make sure your TransUnion credit report is accurate. It's our commitment to you. ln the pages that follow you will see a full copy of your credit report.
XX/XX/XXXX : XXXX responds stating that We are in receipt of the additional information regarding your current dispute ( s ). Due to this additional information, the time frame for completing the investigation has been extended. Your initial correspondence was received on XXXX XXXX and your additional information was received on XXXX, which allows TransUnion fifteen additional days. Therefore, your investigation witl be completed on or before XXXX.
XX/XX/XXXX : Transunion. Responds and states that : We investigated the information you disputed and updated : Terms : Rating : Date closed : Payment Received : XXXX. XXXX : Through written correspondence, I informed Transunion That they are reporting a Past Due Balance on what is deemed a Charged Off account. This is a clear violation. Of the FCRA. Request for deletion due to reporting inaccuracies XXXX. XXXX : Through written correspondence, I informed Transunion That XXXX Due Amounts are. Being reported differently to to each credit bureau.
This is a clear violation. Of the FCRA. Requested deletion for inaccurate reporting XX/XX/XXXX : Through written correspondence, I informed Transunion the the 1st date of delinquency is inaccurate and throws off the entire history of the ac count, inaccurate balance is being reported and I am asking for paperwork to prove current data being furnished and finally, inaccurate payment history along with deletion due to reporting inaccurate information.
XXXX XXXX : All following details refer to accounts that are displayed on my credit report as XXXX XXXX XX/XX/XXXX : I Requested validation of debt and request deletion. Of unverified account XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified.
XX/XX/XXXX : I Requested validation of debt for a second time along with deletion due to unverified account XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified.
XX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deletion due. To unverified account XX/XX/XXXX Transunion Responds and states that We investigated the information you disputed and updated : Not specified.
XX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response.
XX/XX/XXXX : Through written correspondence, I informed Transunion that this is an unverified account and am requesting documentation. To prove that it is mine or delete due to unverifiable account and inaccurate reporting XXXX XXXX : All following details refer to accounts that are displayed on my credit report as XXXX XXXXXXXX XX/XX/XXXX : I sent a request for the removal of the inaccurate late payments that are being furnished on my credit report US DEPT OF EDUCATION : All following details refer to accounts that are displayed on my credit report as US DEPT OF EDUCATION -- '' * XX/XX/XXXX : I Requested validation of debt along with deletion of unverfiable account.
XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified.
XX/XX/XXXX : I Requested validation of debt for a second time along with deletion of unverifiable account.
XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Not specified.
XX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deletion of unverfiable account.
XX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response.
No. Respnose!
XX/XX/XXXX Written request to delete accounts due to furnishing inaccurate information : a Past Due Balance is being reported even though this is a collections account : Violation No response!
XXXX. XXXX : XXXX Written request to delete accounts due to furnishing inaccurate information : a Past Due Balance is being reported even though this is a collections account : Violation XX/XX/XXXX : I sent a written correspondence to inform Transunion of the inaccurate information that is furnished on my credit report and requested that they remove such accounts : Inaccuracies discussed in letter include different dates last paid and open are being reflected, unverified account and need to provide original contracts with my signature, inaccurate balance owed, inaccurate 1st date of delinquency, payment history is inaccurate, along with deletion of unverifiable account.
DEPT OF ED / XXXX ****t : All following details refer to accounts that are displayed on my credit report as DEPT OF ED / XXXX XXXX XX/XX/XXXX : I Requested validation of debt along with deletion of unverifiable account.
XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Rating.
XX/XX/XXXX : I Requested validation of debt for a second time along with deletion of unverifiable account.
XX/XX/XXXX : Transunion Responds and states that We investigated the information you disputed and updated : Rating. And We investigated the information you disputed and updated : Not specified.
XX/XX/XXXX : I Requested validation of debt for a third time-requesting original documentations. From the creditor with my signature along with deletion of unverifiable account.
XX/XX/XXXX : Transunion Responds and states that ( 1 ) We investigated the information you disputed and updated : Remarks ; Rating. And ( 2 ) We investigated the information you disputed and the disputed information wa $ lERlFlED AS ACCURATE ; however, we updated : Past Due ; Terrns ; Remark $ ; Payrnent Received and ( 3 ) We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Remarks ; Rating XX/XX/XXXX : Transunion Responds and states that we received additional information about your dispute the investigation will be completed XX/XX/XXXX. However, no. response.
XX/XX/XXXX : I informed XXXX that inaccurate info is reporting : dates last active reporting differently, date last paid shows multiple dates, inaccurate 1st date of delinquency, payment history, and multiple dates for date of last activity. I request deletion due to. Inaccuracies reporting.
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| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Older American |
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Re : Filing forged documents in courts and public records & Falsifying records documents, committing fraud upon the courts by stating they are the Holder and Owner of the Note when in fact they do not own or hold the original Note, creating fictitious documents ( Lost Note Affidavits, Power of Attorney, etc. ) ; Committing perjury through misrepresentations, Wire Fraud / Mail Fraud, Conspiracy ; Fraud in the inducement ; Unjust Enrichment ; Embezzlement ; These copies are, in fact, counterfeit securities as described under 18 U.S.C. 474 and in the documentation accompanying this letter, and multiple persons have been, or are currently, in possession of multiple copies of said counterfeit securities.
I believe the original wet ink signature documents ( securities ) have been bundled and sold for profit and are not able to be produced as required by law and this is fraud being committed to steal my property through the counterfeiting of securities.
Attached to this letter is a certified ( or whatever kind you are able to acquire ) copy of the document that has been provided as proof in this matter. It is obvious it does not meet the requirements under 18 U.S.C. 474 as a copy of a security and is therefore a counterfeit security presented as evidence to attempt to defraud me.
18 U.S. Code 472 - Uttering counterfeit obligations or securities Whoever, with intent to defraud, passes, utters, publishes, or sells, or attempts to pass, utter, publish, or sell, or with like intent brings into the United States or keeps in possession or conceals any falsely made, forged, counterfeited, or altered obligation or other security of the United States, shall be fined under this title or imprisoned not more than 20 years, or both.
I also believe that this activity has occurred through communications across state lines and I believe it falls under RICO statute violations as a result.
Accompanying this letter and attachment is much more comprehensive information with substantial legal citations of what appears to be happening in this case. It appears that this is not, by any means, an isolated situation. I believe it is your responsibility and duty to investigate this matter, immediately and completely, to identify those involved, gather evidence, and pursue whatever criminal charges may be appropriate against the individuals and entities named herein.
18 USC 241 - Conspiracy against rights If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if death results from the acts committed in violation of this section or if such acts include XXXX or an attempt to XXXX, XXXX XXXX XXXX or an attempt to commit XXXX XXXX XXXX, or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to death.
18 USC 656 - Theft, embezzlement, or misapplication by bank officer or employee Whoever, being an officer, director, agent or employee of, or connected in any capacity with any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 or section 25 ( a ) [ 1 ] of the Federal Reserve Act, or a receiver of a national bank, insured bank, branch, agency, or organization or any agent or employee of the receiver, or a Federal Reserve Agent, or an agent or employee of a Federal Reserve Agent or of the Board of Governors of the Federal Reserve System, embezzles, abstracts, purloins or willfully misapplies any of the moneys, funds or credits of such bank, branch, agency, or organization or holding company or any moneys, funds, assets or securities in trusted to the custody or care of such bank, branch, agency, or organization, or holding company or to the custody or care of any such agent, officer, director, employee or receiver, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both ; but if the amount embezzled, abstracted, purloined or misapplied does not exceed {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both.
As used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank and trust company which has become a member of one of the Federal Reserve banks ; insured bank includes any bank, banking association, trust company, savings bank, or other banking institution, the deposits of which are insured by the Federal Deposit Insurance Corporation ; and the term branch or agency of a foreign bank means a branch or agency described in section 20 ( 9 ) of this title. For purposes of this section, the term depository institution holding company has the meaning given such term in section 3 of the Federal Deposit Insurance Act.
18 USC 657 - Lending, credit and insurance institutions Whoever, being an officer, agent or employee of or connected in any capacity with the Federal Deposit Insurance Corporation, National Credit Union Administration, any Federal home loan bank, the Federal Housing Finance Agency , Farm Credit Administration, Department of Housing and Urban Development, Federal Crop Insurance Corporation, the Secretary of Agriculture acting through the Farmers Home Administration or successor agency, the Rural Development Administration or successor agency, or the Farm Credit System Insurance Corporation, a Farm Credit Bank, a bank for cooperatives or any lending, mortgage, insurance, credit or savings and loan corporation or association authorized or acting under the laws of the United States or any institution, other than an insured bank ( as defined in section 656 ), the accounts of which are insured by the Federal Deposit Insurance Corporation, or by the National Credit Union Administration Board or any small business investment company, or any community development financial institution receiving financial assistance under the Riegle Community Development and Regulatory Improvement Act of 1994, and whoever, being a receiver of any such institution, or agent or employee of the receiver, embezzles, abstracts, purloins or willfully misapplies any moneys, funds, credits, securities or other things of value belonging to such institution, or pledged or otherwise in trusted to its care, shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both ; but if the amount or value embezzled, abstracted, purloined or misapplied does not exceed {$1000.00}, he shall be fined under this title or imprisoned not more than one year, or both.
Whoever, being an officer, director, agent or employee of any Federal Reserve bank, member bank, depository institution holding company, national bank, insured bank, branch or agency of a foreign bank, or organization operating under section 25 or section 25 ( a ) [ 1 ] of the Federal Reserve Act, without authority from the directors of such bank, branch, agency, or organization or company, issues or puts in circulation any notes of such bank, branch, agency, or organization or company ; or Whoever, without such authority, makes, draws, issues, puts forth, or assigns any certificate of deposit, draft, order, bill of exchange, acceptance, note, debenture, bond, or other obligation, or mortgage, judgment or decree ; or Whoever makes any false entry in any book, report, or statement of such bank, company, branch, agency, or organization with intent to injure or defraud such bank, company, branch, agency, or organization, or any other company, body politic or corporate, or any individual person, or to deceive any officer of such bank, company, branch, agency, or organization, or the Comptroller of the Currency, or the Federal Deposit Insurance Corporation, or any agent or examiner appointed to examine the affairs of such bank, company, branch, agency, or organization, or the Board of Governors of the Federal Reserve System ; or Whoever with intent to defraud the United States or any agency thereof, or any financial institution referred to in this section, participates or shares in or receives ( directly or indirectly ) any money, profit, property, or benefits through any transaction, loan, commission, contract, or any other act of any such financial institution. Shall be fined not more than {>= $1,000,000} or imprisoned not more than 30 years, or both. As used in this section, the term national bank is synonymous with national banking association ; member bank means and includes any national bank, state bank, or bank or trust company, which has become a member of one of the Federal Reserve banks ; insured bank includes any state bank , banking association , trust company, savings bank, or other banking institution, the deposits of which are insured by the Federal Deposit Insurance Corporation ; and the term branch or agency of a foreign bank means a branch or agency described in section 20 ( 9 ) of this title. For purposes of this section, the term depository institution holding company has the meaning given such term in section 3 ( w ) ( 1 ) of the Federal Deposit Insurance Act.
1. Pursuant to the newly amended and revised NY RPA & P 1302 ( a ), the new law now provides that a defendant in a foreclosure action may challenge the standing of a Plaintiff up to the date of sale of the real property involved, and in some cases after. ( SEE : NY RPA & P 1302 ( a ) ).
2. This Motion to Dismiss is timely made under the requirements of NY RPA & P 1302 ( a ).
3. Plaintiff lacks standing to initiate or proceed in any way against the Defendant in this case for lack of standing under NY UCC 3-307, because the Plaintiff is not the holder in due course of an original, wet-inked signature Note or any other original wet-inked security instrument that is enforceable upon its face against the Defendant. ( SEE : NY UCC 3-307 ).
4. Specifically, the Defendant denies that the signatures upon the documents submitted by the Plaintiff, and which signatures are purported by the Plaintiff to be the original and genuine signatures of the Defendant, are her actual signatures. Said disingenuous documents were relied upon by the Plaintiff to initiate these foreclosure proceedings.
5. Plaintiff has failed to meet the burden of establishing the signatures are valid and that the security instruments Plaintiff relies upon are enforceable under the requirements of NY UCC 3-307.
6. Plaintiff has failed to meet the Notice requirements as set forth under NY RPA & P 1303 ( 1 ) ( a ), ( 3 ) ( a ), ( 4 ), ( 5 ), ( 6 ), & ( 7 ), failing and refusing to notify the Defendant of the sale of her property. See Attachment ( 1 ) 7. Defendant avers that the record confirms that Plaintiff has forged, replicated and presented to this court multiple and varying misrepresentative, incomplete unenforceable facsimiles of altered and disingenuous unenforceable alleged security instruments which DO NOT bear the original signatures of the Defendant as required under NY UCC 3-307, and without such authentication of the Defendant as to the veracity of her signatures, Plaintiff lacks standing to enforce the security instruments or to proceed legally in any foreclosure action against the Defendant.
8. Plaintiff has failed and refused to present any original " wet-inked '' signature bearing security instrument in this case because Plaintiff is not the holder of the original note, or the holder of any other security instrument, in due course, as required under New York law, to initiate any foreclosure action against Defendant.
9. NY UCC 3-309, which governs the " Enforcement of Lost or Destroyed Notes '', even if XXXX is not in possession of the original security instrument it presents, requires that : " A Person seeking enforcement of an instrument under subsection ( a ) [ NY UCC 3-309 ] must prove the terms of the instrument and the person 's right to enforce the instrument. If that proof is made, [ which proof Plaintiff has FAILED to establish at all in any way ], Section 3-308 [ NY UCC 3-308 ] applies to the case as if the person seeking enforcement had produced the instrument. THE COURT MAY NOT ENTER JUDGMENT IN FAVOR OF THE PERSON SEEKING ENFORCEMENT UNLESS IT FINDS THAT THE PERSON REQUIRED TO PAY THE INSTRUMENT IS ADEQUATELY PROTECTED AGAINST LOSS THAT MIGHT OCCUR BY REASON OF ANY CLAIM BY ANOTHER PERSON TO ENFORCE THE INSTRUMENT. Adequate protection may be provided by any reasonable means. '' 10. Plaintiff has failed to meet the requirements of NY UCC 3-309 by providing the required protection on the form of a sum certain bond, or other means, in order to enforce its forged and unauthentic instrument. Therefore, Plaintiff lacks standing.
11. The court has violated NY UCC 3-309 's requirements made upon it by entering a judgment in favor of the Plaintiff against this Defendant by failing to adequately protect the Defendant against the loss that may occur as specified in NY UCC 3-309. Therefore, as a matter of law, the court acted without jurisdiction, and in a biased manner without regard or any consideration whatsoever for the interests of the Defendant, by issuing a judgment in favor of the Plaintiff and against the Defendant, in violation of the court 's requirements under NY UCC 3-309.
12. Plaintiff has failed to provide to this court, or to the Defendant, any reason for its failure to produce an original, complete and enforceable security instrument which entitled Plaintiff to enter into this foreclosure action.
13. Lacking any original security instrument, with copies or alleged facsimiles submitted by a Plaintiff not sufficing, NY UCC 3-804 requires of the Plaintiff to declare its alleged security instrument to be lost or destroyed. Plaintiff has failed and refused to make such declaration.
14. NY UCC 3-804, as it applies in this case, requires even further of this court that : " the court shall require security, in an amount fixed by the court not less than twice the amount of the allegedly unpaid amount on the instrument, indemnifying the defendant, his heirs, personal representatives, successors and assigns against loss, including costs and expenses, by reasons of further claims on the instrument '' ( SEE : NY UCC 3-804 ). This court failed to meet the requirements placed upon it under NY UCC 3-804 by rendering its judgment of foreclosure in favor of the Plaintiff, without regard or any consideration whatsoever for the interests of the Defendant, in a clearly biased manner.
15. Based upon the foregoing Plaintiff has failed to meet the requirements of standing to proceed against the Defendant in a foreclosure action, as a matter of law, as specifically set forth above.
16. Based upon the foregoing, the court has acted without jurisdiction by issuing judgment in the form of a foreclosure order against the Defendant and in favor of the Plaintiff without regard or consideration of the laws of New York or the requirements of the New York Uniform Commercial Code, as specifically set forth above.
CONCLUSION The Defendant has validly demonstrated that under the Laws of New York, pursuant to the requirements of NY RPA & P 1301, 1302 ( a ), and 1303 ; and under the New York Uniform Commercial Code, pursuant to NY UCC 3-307, 3-309, 3-804, that the Plaintiff lacks standing in this foreclosure action and the court lacked jurisdiction in rendering a foreclosure order judgment in favor of the Plaintiff against this Defendant. As, such, this case must be DISMISSED with prejudice in the interests of fairness, equity, and as a matter of law.
WHEREFORE, based upon the foregoing, the Defendant respectfully moves this court for an ORDER dismissing this foreclosure action with prejudice based upon Plaintiff 's lack of standing and the court 's lack of jurisdiction. Respectfully submitted this XXXX day of XX/XX/XXXX, I, the Defendant XXXX XXXX XXXX, appearing pro se do hereby affirm that the foregoing is truthful and correct, to the best of my knowledge and belief, under penalty of perjury.
XXXX XXXX XXXX
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| 05/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : 09 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX XXXX XXXX AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/XXXX To Whom it May Concern. I, XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life, In accordance with the act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Listed accounts TRANSUNION XXXX XXXX. Account # - XXXX Date Opened - XX/XX/XXXX. XXXXXXXX XXXX Account # XXXX Opened XXXX XXXX - Charge Off Closed ( items labeled incorrectly derogatory, Should be marked Paid off ) A more detailed list is provided.. in the attached files. XXXX XXXX Account # XXXX Opened On - XX/XX/XXXX - Charge Off XXXX XXXX- Account # ( XXXX ) Date Opened- XX/XX/XXXXXXXX XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX - Charge Off It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts AS Follows.. ( of which are all Listed in the attachments ) personal information is incorrect DELETE INVALID INACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX ( Listed in attachments ) ALL inquiries as not authorized ( detailed list included XXXX the attachments ) Please remove it from my credit report. Block and remove it all.. UPDATE TO PAID AND BLOCK The following personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The following personal information is incorrect Account Number : EMPLOYER : COMPANY : XXXX XXXX XXXX XXXX. And all other listed accounts.. I also demand Removal of Extended Fraud Alerts from credit profile XXXXXXXX XXXX, TRANSUNION XXXXXXXX XXXXXXXX, TRANSUNION is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. XXXXXXXX XXXX, TRANSUNION is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. XXXXXXXX XXXX TRANSUNION is not abiding by the laws before reporting things to my credit report. They are also in violation of the Gramm-Leach Bliley Act ( GBLA ). This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for best XXXX XXXX to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! XXXX XXXX willful noncompliance has resulted in identity theft which I demand to Cease and Desist! I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. I have been disputing inaccurate payment history with the bureaus for XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX for over 3 years Along with a few other others. They continue to furnish unfair credit reporting which undermines my confidence as a consumer. In effort to monitor my credit report, I requested copies through annualcreditreport.com and was not able to pull reports due to unknown conditions. The CRAs were contacted in request for full reports, and they continue to fail in providing a full report as requested. I must pay for reports from other service providers to monitor and find adverse information is reporting. Recent report shows two-year history, but the CRAS exceed the history by reporting four years history or more. Previous reports show payment was received, I have provided dispute letters on several attempts, the bureaus have continued in response stating the late payments were verified without providing proof, updated the account with incorrect payment history and failed to provide updated reports following the results. The CRAs deliberately are making every attempt to XXXX my character by portraying me as a financially irresponsible consumer. They have not responded to all complaints I have sent, and I did not provide written permission to furnish the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXaccounts and their erroneous reporting is hindering my financial circumstances with reporting unfair and inaccurate payment history on my credit report. This is preventing me from obtaining a mortgage and other financial services as a responsible consumer to ensure housing stability for myself, my family and pursuing business goals. It seems like they are only interested in targeting consumers and destroying lives because they havent even conducted nor provided results in response to my letters in a timely manner for a proper investigation. The CRAS denied me right to a reinvestigation and stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate, last balance is inaccurate. Every time I dispute, I receive retaliation in response from the CRAS with adverse reporting late payments were reported 30 days now reporting 60 days late after filing complaints. Every day they continue to provide false information on my report only affects me as the consumer. They could care less about the consumer just to make a few bucks to furnish accounts whether the information is accurate or not. The CRAs are running a numbers business and not a legitimate business. The CRAs have violated my rights and need to be held accountable for their actions. I sent a letter off to the CRAs on several occasions to remove variations of my name as there should not be any variations my only name used is XXXX XXXX. Included with this and all previous letter were copies of my state ID, SS card, and a utility bill to remove personal information that I dont want on my credit report nor use to establish credit, any other variation is fraudulent. According, to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. No financial institution shall share my information to third parties without written consent. These are clear violations of my federally protected consumer rights. Also, the CRAS took more than 30 days to complete my investigation i am in possession of all of my letters, complaints and certified mail tracking number # s etc. disputing the information above again XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting Act the CRAs have violated my rights 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section ( 604 ) 602 A Section 2 states a consumer reporting agency can not furnish an account without written instruction. 15 U.S. Code 1666 ( a ) ( b ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason FCRA 611 ( a ) ( 1 ) ( a ) ( b ) Reinvestigation is required when the consumer notifies the consumer reporting agency disputing that the information reported is inaccurate and provides documentation proving so it must be update or deleted. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. This is not a new complaint. I have been complaining since i can remember on all of the accounts listed. They ( The accounts in? ) have Been reporting to TRANSUNION INTERMEDIATE HOLDINGS, INC., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. They have all been UUPDATING my Transunion Consumer report with inconsistency dates as if I made a purchased, reporting late payments, closed accounts and reporting " adverse action '', since as early as XXXX for some.. It was noted to be remove off the Consumer Report but never happened... Why IS CFPB ALLOWING THIS. Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer CFPB PLEASE!! See to it that ALL CRAS ARE TO REMOVE!! ANY AND ALL FRAUD ALERTS, MESSAGES, ALERTS, INDICATORS AND EXTENDED FRAUD ALERTS. Where is the SSA-89 form stating I gave you permission to share my information ; if I remember correctly, it states its a one time transaction and expires after 90 days.!?
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| 09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, XXXX Circuit, No. 00-15946, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXXby, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of XXXX XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/XXXX By : XXXX XXXX Incorrect erroneous Accounts : 1. XXXX XXXX 2. XXXX XXXX XXXX. 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 'S Fraudulent Iinquiries : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX - XX/XX/XXXX 3. XXXX XXXX XXXX - XX/XX/XXXX4. XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX - XX/XX/XXXX 7. XXXX XXXX - XX/XX/XXXX 8. XXXX XXXX - XX/XX/XXXX 9. XXXX XXXX - XX/XX/XXXX 10. XXXX XXXX - XX/XX/XXXX 11. XXXX - XXXX XXXX. XX/XX/XXXX I haven't applied for any credit for inquiries to be listed on my credit report. The inquiries are fraudulent and i have explained it several times in recent letters and have been denied. I haven't received any wet signatures nor original documents showing any evidence of inquiries or my signature on any documents. By law the inquiries should and needs to be remove immediately following the investigation. I will be following up by thursday to see or hear the status of my investigation. My rights as a consumer is to investigate and make sure that my credit file is secured and not being used by crooks, nor have i given any creditors nor credit bureaus authority to use my name or add any inquires onto my credit without contacting me. I noticed that my name is incorrect on all three credit bureaus XXXX, XXXX, TransUnion. The correct spelling of my name is XXXX XXXX not XXXX XXXX my name is associated with XXXX XXXX my name is XXXX XXXX. Also there are several addresses that are listed on my credit file and it is incorrect. Please remove all the fraudulent accounts listed on this investigation and inquires that i haven't inquiried. Remove all the address on my credit report, i am not associated with any of these addresses. MY credit file was breached, used and manipulated.
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| 04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : XXXX XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : 345 Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX To Whom it May Concern.
I, XXXX XXXX a person, non-adverse, non-belligerent, non-combatant party and executer with full life, In accordance with the act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Listed accounts TRANSUNION XXXX XXXX.
Account # - XXXX Date Opened - XX/XX/XXXX.
XXXX XXXX.
Account # XXXX Opened XXXX XXXX - Charge Off Closed ( items labeled incorrectly derogatory, Should be marked Paid off ) A more detailed list is provided.. in the attached files.
XXXX XXXX Account # XXXX Opened On - XX/XX/XXXX - Charge Off XXXX XXXX- Account # ( XXXX ) Date Opened- XX/XX/XXXX XXXX XXXX Account # XXXX Opened XX/XX/XXXX - Charge Off It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the data breach.
I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 15 U.S.C 1681b ( a ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report. Accounts AS Follows.. ( of which are all Listed in the attachments ) personal information is incorrect DELETE INVALID INACCURATE ADDRESS : XXXX XXXX XXXX XXXX XXXX ( Listed in attachments ) ALL inquiries as not authorized ( detailed list included XXXX the attachments ) Please remove it from my credit report. Block and remove it all.. UPDATE TO PAID AND BLOCK The following personal information is incorrect XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK/ XXXX XXXX XXXX XXXX AND XXXX
The following personal information is incorrect Account Number : EMPLOYER : COMPANY : XXXX XXXX XXXX XXXX
And all other listed accounts..
I also demand Removal of Extended Fraud Alerts from credit profile XXXX, XXXX, TRANSUNION XXXX, XXXX, TRANSUNION is in violation of the Fair Credit Reporting Act ( FCRA ) and breaking several other federal laws. XXXX, XXXX, TRANSUNION is reporting late payments on my consumer credit report that have not been verified at all before reporting them to my credit report. XXXX, XXXX, TRANSUNION is not abiding by the laws before reporting things to my credit report. They are also in violation of the XXXX XXXX XXXX ( XXXX ).
This has effected my credit score and utilization rate making it hard for me to obtain credit. I have never received any adverse action letters or statements which by law I should have received a letter 45 days prior to them making the decrease on my account. Congress makes it clear that I have a RIGHT TO PRIVACY as a federally protected consumer! XXXX XXXX has violated and disrespected my right to privacy which is a direct violation of the FCRA and the Gramm-Leach-Bliley Act! I did not consent or authorize for XXXX XXXX XXXX to use or share my nonpublic personal information. They have violated my privacy to their benefit with no benefit to me or my account. Please be clear that no consent or authorization is IDENTITY THEFT! Best Buys willful noncompliance has resulted in identity theft which I demand to Cease and Desist!
I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency.
( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information.
I have been disputing inaccurate payment history with the bureaus for XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX for over 3 years Along with a few other others. They continue to furnish unfair credit reporting which undermines my confidence as a consumer. In effort to monitor my credit report, I requested copies through annualcreditreport.com and was not able to pull reports due to unknown conditions. The CRAs were contacted in request for full reports, and they continue to fail in providing a full report as requested. I must pay for reports from other service providers to monitor and find adverse information is reporting. Recent report shows two-year history, but the CRAS exceed the history by reporting XXXX years history or more. Previous reports show payment was received, I have provided dispute letters on several attempts, the bureaus have continued in response stating the late payments were verified without providing proof, updated the account with incorrect payment history and failed to provide updated reports following the results. The CRAs deliberately are making every attempt to XXXX my character by portraying me as a financially irresponsible consumer.
They have not responded to all complaints I have sent, and I did not provide written permission to furnish the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and their erroneous reporting is hindering my financial circumstances with reporting unfair and inaccurate payment history on my credit report. This is preventing me from obtaining a mortgage and other financial services as a responsible consumer to ensure housing stability for myself, my family and pursuing business goals. It seems like they are only interested in targeting consumers and destroying lives because they havent even conducted nor provided results in response to my letters in a timely manner for a proper investigation. The XXXX denied me right to a reinvestigation and stated my account was properly investigated but how is that possible if the open date is inaccurate, the date of last activity is inaccurate, and the date last reported is not accurate, last balance is inaccurate. Every time I dispute, I receive retaliation in response from the XXXX with adverse reporting late payments were reported 30 days now reporting 60 days late after filing complaints. Every day they continue to provide false information on my report only affects me as the consumer. They could care less about the consumer just to make a few bucks to furnish accounts whether the information is accurate or not. The CRAs are running a numbers business and not a legitimate business. The CRAs have violated my rights and need to be held accountable for their actions. I sent a letter off to the CRAs on several occasions to remove variations of my name as there should not be any variations my only name used is XXXX XXXX. Included with this and all previous letter were copies of my state ID, SS card, and a utility bill to remove personal information that I dont want on my credit report nor use to establish credit, any other variation is fraudulent. According, to the fair credit reporting act 15 USC 1681, I have the right to privacy. Also, according to 15 USC 6802. No financial institution shall share my information to third parties without written consent. These are clear violations of my federally protected consumer rights. Also, the XXXX took more than 30 days to complete my investigation i am in possession of all of my letters, complaints and certified mail tracking number # XXXX etc. disputing the information above again XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Or XXXX XXXX XXXX XXXX XXXX In accordance with the fair Credit Reporting Act the CRAs have violated my rights 15 U.S. Code 1681 section 602 A. States I have the right to privacy 15 U.S. Code 1681 section ( 604 ) 602 A Section 2 states a consumer reporting agency can not furnish an account without written instruction. 15 U.S. Code 1666 ( a ) ( b ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason FCRA 611 ( a ) ( 1 ) ( a ) ( b ) Reinvestigation is required when the consumer notifies the consumer reporting agency disputing that the information reported is inaccurate and provides documentation proving so it must be update or deleted.
I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. Please investigate if every piece of information is correct. If not, please remove it from my credit report.
My request to block is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions.
This is not a new complaint. I have been complaining since i can remember on all of the accounts listed. They ( The accounts in? ) have Been reporting to TRANSUNION INTERMEDIATE HOLDINGS, XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Credit Bureau as an " Adverse Action '', when " no money '' have ever been transacted. They have all been UUPDATING my Transunion Consumer report with inconsistency dates as if I made a purchased, reporting late payments, closed accounts and reporting " adverse action '', since as early as XXXX for some.. It was noted to be remove off the Consumer Report but never happened... Why IS CFPB ALLOWING THIS.
Ive closed and cashed out this credit card and Im still being harassed and threatened causing me stress through emails.. under title 15 1692k Im eligible for compensation due to there violations upon me as a consumer CFPB PLEASE!! See to it that ALL XXXX ARE TO REMOVE!! ANY AND ALL FRAUD ALERTS, MESSAGES, ALERTS, INDICATORS AND EXTENDED FRAUD ALERTS.
Where is the SSA-89 form stating I gave you permission to share my information ; if I remember correctly, it states its a one time transaction and expires after 90 days.!?
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| 04/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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As per 15usc6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
As stated in 6802, the company XXXX which services my FHA mortgage neve disclosed how they would share information. Furthermore they disclosed information to the data furnishers/credit bureaus using my Social security number/card . the social security card is a nonpublic personal piece of information.
Furthermore, XXXX never informed me with any time notice that they would be disclosing information related to my account and/or gave me proper time to chose to have them share such information.
Furthermore, XXXX shared nonpublic personal information with a non affiliated third party. As the law is written ; XXXX can only share information within companies directly tied to the parent company itself. Data furnishers/ credit bureaus are non affliated third parties due to the fact they are not a direct parent/sibling company of XXXX therefore they're violation the laws and as such has caused me financial/emotional/and irrevocably damaged my life.
15usc1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; exclusions are transactions ( history of payments ) or experiences ( utilization ) 15usc1681S2 ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
now that ive disputed this information through my credit reports and nothing changed you're in clear violation that I've disclosed this information should not be on the report.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- aside from XXXX violating 15usc6802. They're also not in comliance with their reporting methods to the data furnishers/credit bureaus and as such has caused me personal, financial, and emotional damages.
XXXXXXXX XXXX with XXXX has what appears to be one or more indicators of being NON- COMPLIANTLY omitted although requisite reported, inconsistently reported, misleadingly reported, and or otherwise seems to be potentially with at least one or more reported data field ( s ) with XXXX-deemed jeopardized reporting integrity due to being in deviation from the mandatorily utilized XXXX XXXX format for fair and certifiably compliant reporting ( s ) out of alignment of the very laws that the compliance standard ensures absolute adherence to each any and all requisites in total accordance of the FCBA, FCRA , ECOA , and each any and all applicable state laws and or standards expected, mentioned or not. In cognizance to the item questioned above, Account Type : reported as REAL ESTATE for XXXX, Mortgage account for Trans Union, and as Mortgage for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized XXXX XXXX Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness! In regard to item questioned above, Account Type - Detail : reported as FHA Mortgage for XXXX, Mortgage account for Trans Union, and as Mortgage for XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin qua non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting decree ( s )! Now, in regard to this items displayed account number, the mandatorily utilized XXXX XXXX format, the data field known as XXXX Consumer Account Number is reported as XXXX for XXXX, XXXX for Trans Union, and as XXXX for XXXX. As such, even just this aspect of the items reporting proves mathematical improbability the alleging data reporting furnisher can truly prove full compliance to their mandatorily abided by regulations and or standards as proof of below described deviation from the requisite standard ( s ) for the compliant reporting, which requires undeniable proven data reported ONLY. As reported, it is NOT in clarity if the account data field pieces of information as displayed is in fact absolutely and only associated with and only with the reported account number, exactly as displayed. If the account number is four-redacted in its truncation there are at least 10,000 possible numbers mathematically the account could be. Equally as problematic, if not more so, if the redacted characters within the account numbers truncation is greater than four then for each additional redacted value there is, mathematically, a 10-fold greater likelihood of the account number and or the accounts data field pieces of information being not only of association with each other. As such, mathematically there might would be at least a 10-fold increase in possible merging of information and or mixing of information between multiple accounts on my report and or with another persons report, be it a relative of similar name or otherwise unrelated matters not. Further, if the redacted values of an account truncation is lesser than four, mathematically there logically exists at least a 10-fold increase in ease of theft of information leading to possible fraud and or identity theft, be it realized or not. POINT BEING, unless the reported account number and ALL aspects of its reporting including each any and all data points HAS ITS INFORMATION FACTUALLY CONFIRMED and documented to be it and only it, there can be no true certainty of a claims nor claimers absolute satisfying of the minimal requirements of lawful reporting much less that of the mandatorily utilized XXXX XXXX format compliance, therefore the report-ability of any such claims reporter is and should be contested and challenge made for the Sayer to prove indisputable and CERTIFIABLY COMPLIANT each any and all of the claim ( s ) and each any and all aspect ( s ) of said claim ( s )! Reporter 's Claimed account number for XXXX, XXXX XXXXXXXX has LESS THAN THE REQUIRED FOUR ( <4 ) redacted values in its alleged truncated account number. MATHEMATICALLY, EACH LESSER REDACTED VALUE GENERATES 10-FOLD LIKELIHOOD THE REPORTED CLAIM OF THIS ACCOUNT IS POTENTIALLY RELATED TO UNKNOWN AND OR FRAUDULENT EVENTS. THIS IS BECAUSE 4 REDACTED VALUES HAVE A POSSIBILITY OF BEING ONE OF 10,000 POSSIBLE VARIATIONS ( 0000-9999 ). SIMILARLY, THE 3-REDA CTED TRUNCATION HAS POTENTIALLY ONLY 1,000 VARIATIONS ( 000-999 ). EVEN MORE WORRISOME IS FACT THAT A 2-REDACTED TRUNCATION HAS POTENTIALLY ONLY 100 ( 00-99 ) VARIATIONS. SCARILY, IF ONLY 1-REDACTED TRUNCATION THERE IS BUT 10 MATHEMATICAL VARIATIONS POSSIBLE. AND WORSE OF ALL, IF NO REDACTED TRUNCATION OR A 0-REDACTED ACCOUNT NUMBER IS REPORTED AND POTENTIAL IDENTITY THEFT PERPETRATOR AND OR FRAUDSTERS WOULD BE ESSENTIALLY HANDED MY EXACT ACCOUNT INFORMATION LENDING OBVIOUS INJURIOUS ABILITIES TO SAID WRONG DOERS. ANY SUCH TRUNCATION THAT IS DEVIANT FROM THE REQUISITE OF ONLY AND EXACTLY FOUR REDACTED VALUES IN ALL ACCOUNT TRUNCATIONS, CERTAINLY JEOPARDIZES THE INTEGRITY OF THE REPORTING CLAIM ( S ). ***************************************************************************************************** It is noteworthy that as the injured consumer, I am of no obligation to reveal any imperfections nor any flawed reporting as it is your moral imperative to NOT HAVE ANY for which I may be even able to do so. However, at a very minimum, the reported allegations versus me I have marked as reported potentially in dereliction include identified likely SUSPICIOUS claims of how the mandatorily used and required perfectly reported XXXX XXXX formats Base Field XXXX ( XXXX ) with redacted truncation indicated above does actually report. Understand please that in mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, actually has exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one account number that would be supposed truly and provable mine yet not even exposed at all? It is obvious the unjust significant injurious nature of each any and all of the claim ( s ) as reported to my person, character, emotional well-being, and financial reputation let alone my otherwise fair creditworthiness, ILLEGALLY SO MIGHT I ADD? Your requisite investigation of my complaint and notification of my here now contesting of your otherwise assumed privilege to report MUST BE ethical, lawful, and otherwise perfectly COMPLIANT to all requisites of any entity 's assumed desire to report. It is the claim 's report-ability here contested, and my challenge is for proof undeniable of certifiably compliant reporting practices for which you have assumed is satisfying of minimal criteria for retained reporting privilege. The RIGHT for an owed party to lawfully attempt collection is NOT disputed, that is NOT my argument. It is the apparent deficit of evident Fair Reporting Practices that is of my concern and the genesis of my calling into question the claim ( s ) above identified made versus me. Let it be in clarity that due to my concerns relating to your apparent substantial deviations from the mandatorily perfect, complete, and utilized XXXX XXXX Data- filled field formatted reporting standards that I here and now forward this written challenge. Understand please that my challenge is to any and each related data reporting furnisher ( s ) as well as each and any data receiving repository ( i.e. CRA ) to demonstrate physically ( via required documentation ) the afore and below-mentioned and each and any other required evidence confirming the absolute adherence to each and any of the requisite certifiably compliant reporting process ( es ) to include adequate precision in total undeniable accordance with and to the XXXX 's most recent announced reporting industry standards ( i.e. the near annual XXXX ), each and any of the applicable federal regulations, and each and all applicable state laws and or standards, mentioned or not. Supposed or even legitimate ignorance of the necessary adequate applications of the obligatory measures in relationship to all prospective menacing reported claims lending detriment to my credit worthiness does not alleviate any entity from each and any requisites of reporting mandates. Unless of a circumstance I am unaware, there is no RIGHT TO REPORT, RATHER THERE EXISTS A RIGHT TO COLLECT ( OF WHICH IS NOT CONTESTED HERE ), YET THERE IS BUT A VERY CONDITIONAL PRIVILEGE TO REPORT IF AND ONLY IF THE REPORTING IS SATISFACTORY OF THE VERY SPECIFIC CRITERIA TO REPORT in full compliance ETHICALLY AND LAWFULLY. Is it not true that no entity can report nor accept reporting NON-COMPLIANTLY and continue to do so once alerted to the ailment, be it done willfully or in ignorance? In obviousness, the minimal standard is to report and or to only accept reporting of claim ( s ) made only to a degree of MAXIMUM possible accuracy AND completion within perfect fidelity to the mandated XXXX XXXX format reporting standards as exactly outlined in the XXXX 's most current XXXX. Again, per above noted minimal criterion to report, there can be no deviation from the reporting standards and equally it must be in uniform alignment in the claim ( s ) " reporting accuracy and completion to a degree of no lesser than that of a MAXIMUM POSSIBILITY. I remind you, the data reporting furnisher ( s ) and each and any receiving repository could have and SHOULD HAVE BEEN CERTIFIABLY COMPLIANT IN THE REPORTING PROCESS ( ES ). IN FACT, PER XXXX written XXXX XXXX4, " ANY DEVIATION FROM THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. MY CONTESTING OF ANY NOTED CLAIM 'S REPORT-ABILITY IS JUSTIFIED, HENCE MY CHALLENGE for accusers TO DEMONSTRATE THE FACTUAL CERTIFIABLY COMPLIANT REPORTING PROCESS INCLUDING ITS MANDATORILY PERFECT AND COMPLETE METRO 2 DATA-FILLED FIELD FORMATTED REPORTING STANDARDS, OF WHICH PER XXXX " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. OBVIOUSLY, DEFICIT OF INTEGRITY THERE CAN BE NO ASSUMPTION REPORTER DID SO TO THE REQUIRED DEGREE OF PRECISION WHICH IS NO LESSER THAN TO A MAXIMUM POSSIBLE ACCURACY AND COMPLETION. The data reporting furnisher AND the accepting data repository could have and legally SHOULD HAVE BEEN COMPLIANT. Now, if this notice is ignored, or fails to deliver your then appropriate reporting actions to modify, remove from reporting, and or elsewise demonstrate in confirmation your satisfying of at least the minimal criterion for retaining the PRIVILEGE to report, I will consider seeking suit versus you and any entity involved for then-obvious WILLFUL NONCOMPLIANCE leading to the significantly injurious marks versus me. As reported, given the above questionable aspects I have noted in the reportings for which I have contested reporters privilege to do so, it appears that each any or all of the deviation ( s ) highlights even more so the likelihood of the claim 's questionable reporting. In clarity, this is an infraction of the ethical and lawful reporting practices compelled of and from each and or either of the alleging data reporting furnisher and any accepting repository, particularly following my written consumer complaint notifying each and any of discovered potentially divergent nonconforming claim ( s ) ' reporting in likely dereliction. Given the palpable precariousness and urgency of above detailed concerns, in rightfulness I demand your immediate cease from reporting this unfounded claim, removing the unfair injury versus me. Do so today, even right here right now so to return to competency for your hopes to retain the privilege to participate in the mandated certifiably compliant reporting that MUST BE without ANY deviation from the standards nor regulations elsewise including no omitting of requisite reported accurate and complete data fields in perfect adherence to the previously discussed XXXX XXXX format and any application of law.
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| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Michigan XXXX XX/XX/XXXX XXXX XX/XX/XXXX Transunion XXXX XXXX XXXX XXXX, PA XXXX Re : Dispute reinvestigation To whom it may concern, I recently disputed the following accounts that were reporting inaccurate misinformation on my consumer file, and you seem to have mistakenly updated. Maybe the source is unreliable, but I need you to perform a reinvestigation into these accounts and delete them immediately : 1. XXXX ( Original Creditor : TXXXX XXXX XXXX XXXX XXXX XXXX ) /ACCOUNT # XXXX ( There are several inconsistencies on these dates. 1.Date opened ; XX/XX/XXXX, last active ; XX/XX/XXXX, last report date ; XX/XX/XXXX. Balance ; {$0.00}. Payment History ; XXXX XXXX.
Another Inconsistent Report ; 1. Date opened ; XX/XX/XXXX, last active ; XX/XX/XXXX, last report date ; XX/XX/XXXX, Balance ; {$420.00}..
Please investigate and delete these accounts that are reporting inaccurate misinformation on my credit file immediately and forward any changes to the address above.In the Fair Credit Reporting Act : 15 U.S. Code 1681b it states : ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C.1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) [ 1 ] of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) of this section ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ) of this section, to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) of this section in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer Thank you.
Regards, XXXX XXXX XXXX
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| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : XXXX XXXX Bankruptcy {$0.00} In-Dispute XXXX XXXX Included in Bankruptcy {$0.00} In-Dispute XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$210.00} In-Dispute XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Collection {$1300.00} In-Dispute XXXX XXXX XXXX Included in Bankruptcy {$0.00} In-Dispute Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
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Web |
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An ( inquiry ) needs to be removed due to the breach with CFPB in violaton 1681i 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev|next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in aconsumersfileat aconsumer reporting agencyis disputed by theconsumerand theconsumernotifies the agency directly, or indirectly through areseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate andrecordthe current status of the disputed information, or delete the item from thefilein accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from theconsumerorreseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if theconsumer reporting agencyreceives information from theconsumerduring that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or theconsumer reporting agencydetermines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which aconsumer reporting agencyreceives notice of a dispute from anyconsumeror aresellerin accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to anypersonwho provided any item of information in dispute, at the address and in the manner established with theperson.The notice shall include all relevant information regarding the dispute that the agency has received from theconsumerorreseller.
( B ) Provision of other information Theconsumer reporting agencyshall promptly provide to thepersonwho provided the information in dispute all relevant information regarding the dispute that is received by the agency from theconsumeror theresellerafter the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), aconsumer reporting agencymay terminate a reinvestigation of information disputed by aconsumerunder that paragraph if the agency reasonably determines that the dispute by theconsumeris frivolous or irrelevant, including by reason of a failure by aconsumerto provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, aconsumer reporting agencyshall notify theconsumerof such determination not later than 5 business days after making such determination, by mail or, if authorized by theconsumerfor that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in thefileof anyconsumer, theconsumer reporting agencyshall review and consider all relevant information submitted by theconsumerin the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by aconsumer, an item of the information is found to be inaccurate or incomplete or can not be verified, theconsumer reporting agencyshall ( i ) promptly delete that item of information from thefileof theconsumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from thefileof theconsumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from aconsumersfilepursuant to subparagraph ( A ), the information may not be reinserted in thefileby theconsumer reporting agencyunless thepersonwho furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from aconsumersfilepursuant to subparagraph ( A ) is reinserted in thefile, theconsumer reporting agencyshall notify theconsumerof the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by theconsumerfor that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), aconsumer reporting agencyshall provide to aconsumerin writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted theconsumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that theconsumerhas the right to add a statement to theconsumersfiledisputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance Aconsumer reporting agencyshall maintain reasonable procedures designed to prevent the reappearance in aconsumersfile, and inconsumer reportson theconsumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Anyconsumer reporting agency that compiles and maintains files on consumers on a nationwide basisshall implement an automated system through which furnishers of information to thatconsumer reporting agencymay report the results of a reinvestigation that finds incomplete or inaccurate information in aconsumersfileto other suchconsumerreporting agencies.
( 6 ) Notice of results of reinvestigation ( A ) In general Aconsumer reporting agencyshall provide written notice to aconsumerof the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by theconsumerfor that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), aconsumer reporting agencyshall provide to aconsumerin writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) aconsumer reportthat is based upon theconsumersfileas thatfileis revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by theconsumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to theconsumerby the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that theconsumerhas the right to add a statement to theconsumersfiledisputing the accuracy or completeness of the information ; and ( v ) a notice that theconsumerhas the right to request under subsection ( d ) that theconsumer reporting agencyfurnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure Aconsumer reporting agencyshall provide to aconsumera description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from theconsumerfor that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in aconsumersfileat aconsumer reporting agencyis resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from theconsumerin accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to theconsumerby telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation andconsumer reportprovided in accordance with subparagraph ( C ), a statement of theconsumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of aconsumer reporton theconsumerthat is based on theconsumersfileafter the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, theconsumermayfilea brief statement setting forth the nature of the dispute. Theconsumer reporting agencymay limit such statements to not more than one hundred words if it provides theconsumerwith assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, theconsumer reporting agencyshall, in any subsequentconsumer reportcontaining the information in question, clearly note that it is disputed by theconsumerand provide either theconsumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, theconsumer reporting agencyshall, at the request of theconsumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to anypersonspecifically designated by theconsumerwho has within two years prior thereto received aconsumer reportforemployment purposes, or within six months prior thereto received aconsumer reportfor any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report toCongress ( 1 ) In general TheCommission [ 1 ] shall ( A ) compile all complaints that it receives that afileof aconsumerthat is maintained by aconsumer reporting agencydescribed insection 1681a ( p ) of this titlecontains incomplete or inaccurate information, with respect to which, theconsumerappears to have disputed the completeness or accuracy with theconsumer reporting agencyor otherwise utilized the procedures provided by subsection ( a ) ; and ( B ) transmit each such complaint to eachconsumer reporting agencyinvolved.
( 2 ) Exclusion Complaints received or obtained by theBureaupursuant to its investigative authority under theConsumer Financial Protection Act of 2010shall not be subject to paragraph ( 1 ).
( 3 ) Agency responsibilities Eachconsumer reporting agencydescribed insection 1681a ( p ) of this titlethat receives a complaint transmitted by theBureaupursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on theconsumer reporting agencyunder this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to theBureauregarding the determinations of and actions taken by theconsumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, recordsregarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( 4 ) Rulemaking authority TheCommission1may prescribe regulations, as appropriate to implement this subsection.
( 5 ) Annual reportTheCommission1shall submit to the Committee on Banking , Housing, and Urban Affairs of theSenateand the Committee on Financial Services of theHouse of Representativesan annual report regarding information gathered by theBureauunder this subsection. ( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), aresellershall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If aresellerreceives a notice from aconsumerof a dispute concerning the completeness or accuracy of any item of information contained in aconsumer reporton suchconsumerproduced by thereseller, theresellershall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of thereseller ; and ( B ) if ( i ) theresellerdetermines that the item of information is incomplete or inaccurate as a result of an act or omission of thereseller, not later than 20 days after receiving the notice, correct the information in theconsumer reportor delete it; or ( ii ) if theresellerdetermines that the item of information is not incomplete or inaccurate as a result of an act or omission of thereseller, convey the notice of the dispute, together with all relevant information provided by theconsumer, to eachconsumer reporting agencythat provided theresellerwith the information that is the subject of the dispute, using an address or a notification mechanism specified by theconsumer reporting agencyfor such notices. ( 3 ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in thefileof aconsumerby aconsumer reporting agencythat received notice of the dispute from aresellerunder paragraph ( 2 ) ( A ) the notice by theconsumer reporting agencyunder paragraph ( 6 ), ( 7 ), or ( 8 ) of subsection ( a ) shall be provided to theresellerin lieu of theconsumer ; and ( B ) theresellershall immediately reconvey such notice to theconsumer, including any notice of a deletion by telephone in the manner required under paragraph ( 8 ) ( A ).
( 4 ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting aresellerfrom conducting a reinvestigation of aconsumerdispute directly.
( g ) Dispute process for veterans medical debt ( 1 ) In generalWith respect to aveterans medical debt, theveteranmay submit a notice described in paragraph ( 2 ), proof of liability of theDepartment of Veterans Affairsfor payment of that debt, or documentation that theDepartment of Veterans Affairsis in the process of making payment for authorized hospital care, medical services, or extended care services rendered to aconsumer reporting agencyor aresellerto dispute the inclusion of that debt on aconsumer reportof theveteran. ( 2 ) Notification to veteranTheDepartment of Veterans Affairsshall submit to aveterana notice that theDepartment of Veterans Affairshas assumed liability for part or all of aveterans medical debt.
( 3 ) Deletion of information from file If aconsumer reporting agencyreceives notice, proof of liability, or documentation under paragraph ( 1 ), theconsumer reporting agencyshall delete all information relating to theveterans medical debt from thefileof theveteranand notify the furnisher and theveteranof that deletion.
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| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ( Original Creditor : XXXX XXXX I ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : UNKNOWN In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPT OF EDUCATION/XXXX ACCOUNT NUMBER:XXXX STUDENT LOAN CREDITORS : DEPT OF EDUCATION/XXXX ACCOUNT NUMBER:XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to address the ongoing contractual violations by XXXX XXXX XXXX XXXX XXXX TRANS UNION XXXX AND XXXX resulting in significant breaches of federal privacy laws and rendering our contract void and ineffective immediately.
proof of violations are in the letter they emailed as correspondence.
The violations include but are not limited to : 1. reporting of seven months paid to third party which is a violation of 15 USC 6805/15 CFR 313.7.
2. Unauthorized sharing of my personal financial information with a non-affiliate without explicit consent, infringing upon my right to opt-out as per 15 USC 6805/15 CFR 313.7.
3. The illegal inclusion of detailed transaction history in their reports, which is explicitly prohibited under 15 CFR 433.2.
4. False conveyance of language, misrepresenting the transaction history in their reports, a violation under 17 CFR 424.
5. Inclusion of promotional inquiry and solicitation, which is an additional breach of privacy rights.
6. The Information in the credit file was not always kept confidential 7. Criminal liability of any officer or employee of consumer reporting agency to an unauthorised person.
8. Claims to have closed the account but refused to furnish a full audit of the account which is still being classified as OPEN 9. Has posed a significant risk to my privacy as a consumer 10. Reporting derogatory marks of UNPAID without my consent causing harm to the consumer The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
I demand compensation for the breaches that have resulted in significant privacy violations, totaling {$9000.00} based on the identified violations, each amounting to {$1000.00}.
Furthermore, it is essential to rectify an error in your records. The name FOR THE ACCOUNT should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I registered the account under my full name. The inclusion of the incorrect name in the contract further supports its invalidity.
Moreover, any further reporting of account history or attempts to collect information will be considered a breach of federal law, court orders, and agreement terms.
Please provide written acknowledgment of the compensation demand, confirmation of ceasing any account reporting, immediate correction of my name to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX days upon receipt. Failure to comply within the stipulated timeframe will necessitate pursuing all available legal remedies to seek redress for the infringements upon my privacy rights as outlined in federal law and the court orders.
I anticipate your immediate attention and compliance with these demands.
SUBCHAPTER IDISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal informa- tion ( a ) Privacy obligation policy It is the policy of the Congress that each fi- nancial institution has an affirmative and con- tinuing obligation to respect the privacy of its customers and to protect the security and con- fidentiality of those customers nonpublic per- sonal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institu- tions subject to their jurisdiction relating to ad- ministrative, technical, and physical safe- guards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconven- ience to any customer.
( a ) Notice requirements Except as otherwise provided in this sub- chapter, a financial institution may not, di- rectly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a no- tice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a non- affiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such in- formation may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is ini- tially disclosed, to direct that such informa- tion not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that non- disclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services of- fered pursuant to joint agreements between two or more financial institutions that com- ply with the requirements imposed by the reg- ulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to main- tain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this sub- chapter, a nonaffiliated third party that re- ceives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such re- ceiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account num- ber information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access num- ber or access code for a credit card account, de- posit account, or transaction account of a con- sumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or oth 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
CFR 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX XXXX address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX XXXX address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9.
( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part.
[ 65 FR 33677, XX/XX/XXXX, as amended at 74 FR 62966, XXXX XXXX XXXX ] ( d ) ( 1 ) To enhance the readability of the prospectus, you must use plain English principles in the organization, language, and design of the front and back cover pages, the summary, and the risk factors section.
( 2 ) You must draft the language in these sections so that at a minimum it substantially complies with each of the following plain English writing prin- ciples : ( i ) Short sentences ; ( ii ) Definite, concrete, everyday words ; ( iii ) Active voice ; ( iv ) Tabular presentation or bullet lists for complex material, whenever possible ; ( v ) No legal jargon or highly technical business terms ; and ( vi ) No multiple negatives.
( 3 ) In designing these sections or other sections of the prospectus, you may include pictures, logos, charts, graphs, or other design elements so long as the design is not misleading and the required information is clear. You are encouraged to use tables, schedules, charts and graphic illustrations of the results of operations, balance sheet, or other financial data that present the data in an understandable manner. Any presentation must be consistent with the financial statements and non-financial information in the prospectus. You must draw the graphs and charts to scale. Any information you provide must not be misleading
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| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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This complaint is not being filed by a 3rd Party Credit Repair Company and this NOT a duplicate Complaint.
I recently reviewed my credit report and noticed these accounts below have violated my rights In Accordance with the Fair Credit Reporting Act Convergent and according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Account Type : Installment Account Type - Detail : Rental agreement XXXX Code : XXXX Account Status : Closed Monthly Payment : {$220.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$8100.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Unknown Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Account # : XXXX Account Type : Revolving Account Type - Detail : Charge account XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$96.00} Credit Limit : {$5000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : XXXX XXXX XXXX Code : Individual Individual Account Status : Transferred Transferred Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$16000.00} {$16000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Transferred Transferred Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$23000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX XXXX Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2400.00} {$0.00} Credit Limit : {$300.00} {$300.00} Past Due : {$2400.00} {$2400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX # : XXXX Account Type : Installment Account Type - Detail : Rental agreement XXXX Code : Joint Account Status : Closed Monthly Payment : {$220.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$8100.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Unknown Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX Account Type : Open Account Open Account Account Type - Detail : Child support - Bureau Code : Individual Individual Account Status : Closed Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$0.00} {$0.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Closed Closed or paid account/XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Open Account Open Account Account Type - Detail : Unknown - credit extension, review, or collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2400.00} {$2400.00} Credit Limit : {$0.00} {$0.00} Past Due : {$2400.00} {$2400.00} Payment Status : Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Account seriously past due date/account assigned to attorney, collection agency, or credit XXXX XXXX XXXX XXXX department.
Consumer disputes this account information Collection account Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX XXXX XXXX Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$2400.00} {$0.00} Credit Limit : {$300.00} {$300.00} Past Due : {$2400.00} {$2400.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Charge account XXXX Code : Individual Account Status : Paid Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$96.00} Credit Limit : {$5000.00} Past Due : {$0.00} Payment Status : Current Last Reported : XX/XX/XXXX Comments : - Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Transferred Transferred Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$16000.00} {$16000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK XXXX OK OK XXXX XXXX OXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Educational Educational Bureau Code : Individual Individual Account Status : Transferred Transferred Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$23000.00} {$23000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account closed due to transfer Account transferred or sold Student loan Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving XXXX XXXX Account XXXX - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$150.00} {$150.00} {$200.00} XXXX XXXX : {$200.00} {$200.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Late 60 Days Late 60 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity.
Closed or paid account/XXXX XXXX Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code XXXX XXXX XXXX XXXX Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$230.00} {$230.00} {$300.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Canceled by XXXX XXXX Account has been closed due to inactivity.
Closed or paid account/XXXX XXXX Accounts closed by XXXX XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$2400.00} No. of Months ( terms ) : - High Credit : {$2400.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$230.00} No. of Months ( terms ) : - High Credit : {$230.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$120.00} No. of Months ( terms ) : - High Credit : {$120.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection Date Last Active : XX/XX/XXXX Date of Last Payment : - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX
|
| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : USD/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : 01 XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So, these accounts do not belong to me.
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER:XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER:XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure in Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX Included in Bankruptcy COLLECTION AGENCY : XXXX XXXX. Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Included in Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Chapter XXXX Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ( Original Creditor : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 04/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Collection COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS TO A POSITIVE PAID AS AGREED STATUS AND XXXX BALANCE INDEFINITELY. REMOVE EVERY LATE PAYMENT THIS ACCOUNT IS SUPPOSE TO REPORT AS PAID AS AGREED EVERY MONTH INDEFINITELY. IT WILL BE UPDATED INTO A POSITIVE PAYMENTS INDEFINITELY. Per the law 15 U.S. Code 1681c2 - Block of information resulting from identity theft due to the nature of this company violation my privacy rights they have 4 days to update this information with all reporting agencies involved with my consumer report being reported inaccurately indefinitely Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Per the law 12 CFR 1022.41-1022.43 Resonable policies and procedures concerning the accuracy and integrity of furnished information AND 15 USC 1681 Permissable Purposes To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance XXXX and or XXXX XXXX Metro 2 COMPLIANT reporting.. Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization is a violation of federal law, transacational reporting is innacurate reporting per my credit profile. A closed account and charged off account can not report any past due Balances. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. XXXX and XXXX ARE IN violation of my privacy rights Per the Privacy Act of 1974, under 5 USC 552A your social is not suppose to be given out to anyone. The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be 31 CFR 29.518 - Reporting delinquent debts to credit bureaus. e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau. 16 CFR 313.1-7 AND 15 USC 6801-6805 IS THE FEDERAL LAW FOR MY RIGHTS TO OPT-OUT OF REPORTING MY PERSONAL INFORMATION THAT WAS NOT GIVEN TO XXXX XXXX to report my personal information with out my knowledge or consent.
15 U.S. Code 1681e - Compliance procedures- This law states that consumers are to have maximum accuracy when reporting to a consumers report. All of the reporting agencies are reporting inaccurate dates and amounts on my consumer reports. Some reports have more transactions reporting than others. That wrong as well as the reporting agencies are reporting CO charge off every month which is inaccurate that is re-aging the debt making it seem newer than it actually is. All late payments must be updates to paid. You can not charge off a debt every month or report late payments by this law that is very inaccurate. These account status need to be update to paid as agreed and XXXX balance in a positive status.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum ofany actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. 15 U.S. Code 1681a - Definitions ; rules of construction- this law clearly states that utilization is not to be reported to the consumers report. All transactional payments need to updated from late payments and charge off to paid as agreed and XXXX balance indefinitely.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include15 USC 1666b- Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.- this law states that utilization is not suppose to be reported. XXXX, XXXX AND TRANSUNION NEED TO UPDATE MY ACCOUNT STATUS- TO PAID AS AGREED AND MY TRANSCATIONAL HISTORY PAYNMENT TO ONTIME.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 1 : XXXXXXXX XXXXXXXX - XXXX THIS ACCOUNT IS PAID AS AGREED/PAID, XXXX BALANCE AND NEEDS TO BE UPDATED AS SUCH INDEFINITELY. ALL LATE PAYAMENT AND DERROGATPRY REMARKS NEED TO BE UPDATED AS ON TIME PAYMENTS. MY TRANSCATIONAL HISTORY BEING REPORTED AS ALL POSTIVE PAYMENTS FOR THE ENTIRE HISTORY OF THE ACCOUNT.
XXXXXXXX XXXX- 30 days late DERROGATORY REMARK XXXXXXXX XXXX 60 days late DERROGATORY REMARK XXXX XXXX 90 days late DERROGATORY REMARK XXXX XXXX 120 days late DERROGATORY REMARK XXXX XXXX 120 days late DERROGATORY REMARK XX/XX/XXXX XXXX DERROGATORY REMARK XX/XX/XXXX XXXX -DERROGATORY REMARK Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ 1,000+ per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS TO A ALL MONTHS POSITIVE PAID, PAID AS AGREED ACCOUNT STATUS AND XXXX BALANCE INDEFINITELY.
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| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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TransUnion LLC Consumer Dispute Center po box XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.
2. The date you contacted the individual funishers of information.
3. The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.
Please forward an updated credit report to me after you have completed your investigation and corrections.
Your cooperation and prompt attention are required by law.
Sincerely, XXXX XXXX
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| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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my name is XXXX XXXX XXXX IVE reached out to XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under ( 15 US code 1692e ) ( 15, US code 1692G ) ( 15 US code 1681B and ( 15 US code 1681C-2 ) I have had multiple conversations with the fraud departments of all three major ( NCRAS ) ( -XXXX ) ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. ( NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ) Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX then, you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), ( 15 U.S. code 1681 ( 3 ) ( e ) ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. ( 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. ( Gramm-leach-Bliley ) -15 US code 1681b 15 , US code 1692c I request all of this information to be blocked under the fair credit reporting act 15 US code 1681C-2 there are numerous violations by the credit reporting agencies I asked for the FTC to look into this. I have filed a XXXX complaint, as well as a California, consumer protection, innovation, complaint, as well as a state attorney generals complaint here in the state of California. These are all fraudulent charges, and I want the criminals to be prosecuted to the fullest extent of the law I asked these accounts to be blocked and removed from my consumer report.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit reporXXXX CONTINUE TO VIOLATE STATE AND FEDERAL LAWS They have never shown me how theyve done any investigation, ledgers accounts, original consumer contracts from any of the negative accounts they continue to report and violate the fair credit reporting at the fair debt collection act as well as multiple state laws. I have contacted the the CALIFORNIA, consumer protection, innovation department spoke with supervisor at transunion Special handling at fraud department I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts.VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. XXXX Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case Number XXXX Court Docket Number XXXX ) XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt I am aware that my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( XXXXCONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXXXXXTRANSUNION/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXX also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report
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| 02/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Ive tried to have fraudulent inquiries deleted from my Transunion credit report via customer service and the customer service representative told me that she wasnt able to assist me and Im not able to dispute inquiries or accounts through Transunions Dispute Center. I receive an error message.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
XXXX XXXX via XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, AL XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CONSUMER INITIATED TRANSACTION
XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX-XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
(XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
AUTO XXXX XXXX via XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXXPermissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, IL XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX-XXXX Inquiry Type: Individual Requested On: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX 1XXXX XXXX XXXX.
XXXX, GA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Participant
Requested On:
XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Participant
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CONSUMER INITIATED TRANSACTION
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX, OH XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX, NJ XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
(XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX (XXXX) XXXX-XXXX Inquiry Type:
Participant
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX XXXX XXXX, OH XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, MA XXXX
(XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX
XXXX XXXX XXXX,XXXX XXXX, CO XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone number not available
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX, WI XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX, FL XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Participant
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX
(XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX, XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XXXX XXXX XXXX, CA XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX via XXXX XXXX XXXX XXXX XXXX, MD XXXX (XXXX) XXXX-XXXX Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
Permissible Purpose:
CREDIT TRANSACTION
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX (XXXX) XXXX-XXXX
Inquiry Type:
Individual
Requested On:
XX/XX/XXXX
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| 04/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion : ( XXXX United States ) TransUnion XXXX XXXX XXXX XXXX, PA XXXX TransUnion : ( XXXX United States ) XXXX XXXX XXXX XXXX, CA XXXX Options XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attn : Consumer Services Department TransUnion Name Removal Option XXXX XXXX XXXX XXXX, PA XXXX Federal Trade Commission Consumer Protection Financial Bureau The Following Account IS in Violation of the Florida Statute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX o www.steelriversystems.com I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus. I received a letter stating that in the year 1993 TWENTY SIX YEARS AGO there was an alleged account. THIS IS BEYOND ANY STATUE UNDER DEBT COLLECTION The exact statute : [ 15 USC 1692e ] ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
95.11LIMITATIONS OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS.
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country.
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).
( c ) An action to foreclose a mortgage.
( d ) An action alleging a willful violation of s. 448.110.
WITHIN FOUR YEARS.
( a ) An action founded on negligence.
( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.
( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.
( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.
( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.
( f ) An action founded on a statutory liability.
( g ) An action for trespass on real property.
( h ) An action for taking, detaining, or injuring personal property.
( i ) An action to recover specific personal property.
( j ) A legal or equitable action founded on fraud.
( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.
( l ) An action to rescind a contract.
( m ) An action for money paid to any governmental authority by mistake or inadvertence.
( n ) An action for a statutory penalty or forfeiture.
( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.
( q ) An action alleging a violation, other than a willful violation, of s. 448.110.
Please note : On XX/XX/XXXX, the UNITED STATES congress passed House Joint Resolution 192, which served as a declaration of bankruptcy. Congress declared in HJR 192 that demanding payments in Gold ( constitutional money ) or in any particular form would now be against public policy. At the same time, President Roosevelt issued executive order 6102 forbidding the hoarding of gold coins, gold bullion and certificates. With this executive order, Roosevelt ordered that most of the gold in circulation be turned in to Federal Reserve Banks across the nation under the threat of fines and 10 years imprisonment.
What the leaders at the time failed to disclose was, that with the confiscation of all gold ( money ) and property, that made all Americans ( Spelled in Proper case ) CREDITORS to the U.S. bankruptcy. Because of the passage of HJR 192, it was now illegal for Americans to pay for anything. Gold was traded for Federal Reserve notes of indebtedness, which made paying for anything impossible, as notes of debt do not pay for anything but delay the payment until a later date. What the government offered instead of gold was CREDIT, but they offered it to the banks, not the people.
The Passage of HJR 192 JOINT RESOLUTION TO SUSPEND THE GOLD STANDARD AND ABROGATE THE GOLD CLAUSE JUNE 5, 1933 H.J.192 73rd Cong. 1st Session Joint resolution to assure uniform value to the coins and currencies of the United States.
Whereas the holding of or dealing in gold affect the public interest, and therefore subject to proper regulation and restriction ; and Whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require payment in gold or a particular kind of coin or currency of the United States, or in an amount of money of the United States measured thereby, obstruct the power of the Congress to regulate the value of money of the United States, and are inconsistent with the declared policy of the Congress to maintain at all times the equal power of every dollar, coined or issued by the United States, in the markets and in payment of debts.
Now, therefore, be it Resolved by the Senate and House of Representatives of the United States of America in Congress assembled. That ( a ) every provision contained in or made with respect to any obligation which purports to give the obligee a right to require payment in gold or a particular kind of coin or currency, or in an amount of money of the United States measured thereby, is declared to be against public policy ; and no such provision contained in or made with respect to any obligation hereafter incurred. Every obligation, heretofore or hereafter incurred, whether or not any such provisions is contained therein or made with respect thereto, shall be discharged upon payment, dollar for dollar, in any such coin or currency which at the time is legal tender for public and private debts. Any such provision contained in any law authorizing obligations to be issued by or under authority of the United States, is hereby repealed, but the repeal of any such provision shall not invalidate any other provision or authority contained in such law.
( b ) As used in the resolution, the term " obligation '' means an obligation ( including every obligation of and to the United States, excepting currency ) payable in money of the United States ; and the term " coin or currency '' means coin or currency of the United States, including Federal Reserve notes and circulating notes of Federal Reserve banks and national banking associations.
SEC. 2. The last sentence of paragraph ( 1 ) of subsection ( b ) of section 43 of the Act entitled " An Act to relieve the existing national economic emergency by increasing agricultural purchasing power, to raise revenue for extraordinary expenses incurred by reason of such emergency, to provide emergency relief with respect to agricultural indebtedness, to provide for the orderly liquidation of joint-stock land banks, and for other purposes '', approved XX/XX/XXXX, is amended to read as follows : " All coins and currencies of the United States XXXX including Federal reserve notes and circulating notes of Federal Reserve banks and national banking associations ) hereunto and hereafter coined or issued, shall be legal tender for all debts, for public and private, public charges, taxes, duties, and dues, except gold coins, when below the standard weight and limit of tolerance provided by law for the single piece, shall be legal tender only at valuation in proportion to their actual weight. '' Approved XX/XX/XXXX, XXXX XXXX
Additionally The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar.
1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX, XXXX, XXXX H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~Perry v. U.S. ( 1935 ) 294 U.S. 330-381, 79 LEd 912, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a. When a government goes bankrupt, it loses its sovereignty.
2. Public Law 10 Chapter 48, 48 Stat. 112.
3. Public Law 73-10 40 Stat 411 Act ( TWEA ) OCT 6, 1917 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected. Under HJR 192 June 05, 1933 and validated in Perry above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law BANKS CAN NOT LEND DEPOSITORS MONEY TO BORROWERS WITHOUT THE DEPOSITORS WRITTEN AUTHORIZATION, IN REALITY, BANKS DO NOT LEND THEIR DEPOSITORS MONEY. ~12 U.S.C . 1828.
A national bank has no power to lend its credit to any person or corporation. ~Bowen v. Needles Nat. Bank, 94 F 925 36 CCA 553, certiorari denied in 20 S. Ct 1024, 176 US 682, 44 LED 637.
A bank is not the holder in due course upon merely crediting the depositors account. Bankers Trust v. Nagler, 229 NYS 2d 142, 143.
o That, the Federal Reserve Bank in its booklet ; MODERN MONEY MECHANICS page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.
o That the giving a ( Federal Reserve ) note does not constitute payment. See Echart v Commissioners C.C.A., 42 Fd2d 158.
o That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See Fidelity Savings v Grimes, 131 P2d 894.
o That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See Rains v State, 226 S.W. 189.
o That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See Blachshear Mfg. Co. v Harrell, 2 S.E. 2d 766.
o Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ) o In light of the holding of Fidelity Bank Guarantee vs. Henwood, 307 U.S. 847 ( 1939 ), take notice of ... As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument.
o U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender...
o ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) o That because of failure of a lawful consideration the Note and Mortgage are null and void See First National Bank of Montgomery v Jerome Daly, case # XXXX ( XXXX ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being stopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.
Your Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in 1933 and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.
Any dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing EFT 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant Has Claimed, Maintain, And Have At All Times Has Retained Her Constitutionally Secured Rights Especially, But Not Limited To, All Aspects Of This Instant Matter ; Brady V. U.S., 397 U.S. , 742 At 748 . Waivers Of Constitutional Rights Must Not Only Be Done Voluntarily, They Must Be Knowingly Intelligent Acts Done With Sufficient Awareness Of The Relevant Circumstances And Consequences.
Thank you for your prompt handling of my request.
Sincerely, XXXX XXXX
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| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 05/08/2023 |
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- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the accuracy of the information contained in my credit reports from the three major credit reporting agencies : XXXX, XXXX, and TransUnion. Specifically, I am concerned about the inaccurate reporting of my name and address, which has had a significant impact on my life.
My correct name is XXXX XXXX XXXX, but the credit reporting agencies are reporting it as XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. This inaccurate reporting of my name has caused confusion and delays in various areas of my life, including obtaining loans, renting an apartment, and even applying for jobs.
Furthermore, the credit reporting agencies are reporting multiple incorrect addresses that I have never lived at, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX. These inaccuracies have caused me to miss important mail, including bills and notices, which has resulted in late payments and even collections accounts on my credit report.
As per the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a duty to ensure the accuracy of the information contained in consumer reports, and to investigate and correct any inaccuracies upon notification by a consumer. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information contained in consumer reports, particularly with respect to identity theft. The California Consumer Credit Reporting Agencies Act ( CCCRA ) also requires credit reporting agencies to reinvestigate and correct any inaccurate information upon notification by a consumer.
After reviewing my report, I have found multiple inaccuracies and errors that have greatly affected my ability to secure loans and credit.
One of the issues I discovered is an inquiry from XXXX XXXX XXXX on XX/XX/XXXX and another from XXXX on XX/XX/XXXX, which I did not authorize. The FCRA requires that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of the information in consumer reports. I did not grant permission for these inquiries to be made, and therefore their inclusion on my credit report is a violation of the FCRA.
These errors have significantly impacted my ability to obtain credit and have caused me great distress. As someone who has always made timely payments and has been responsible with credit, it is frustrating to see my creditworthiness unfairly tarnished by inaccuracies on my report.
According to XXXX XXXXXXXX XXXX my TransUnion report, the Date of Last Activity on my XXXX XXXX account is XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX and XXXX XXXX shows it as XX/XX/XXXX. Similarly, TransUnion and XXXX report the Date Reported as XX/XX/XXXX, but XXXX reports it as XX/XX/XXXX. Additionally, XXXX and XXXX reported the Date Opened as XX/XX/XXXX, but TransUnion reports it as XX/XX/XXXX. Moreover, TransUnion and XXXX reported the Last Payment Date as XX/XX/XXXX, while XXXX still shows it as XX/XX/XXXX. Furthermore, TransUnion reported the Credit Limit balance as {$600.00}, while XXXX reported it as {$680.00}, but XXXX didn't report any balance.
These inaccuracies have affected my life in significant ways. I have been trying to secure a mortgage for my dream home, but my credit score has been negatively impacted by these inaccuracies. The inaccurate information on my credit report has caused me to be denied the mortgage loan or to receive unfavorable interest rates. This has been devastating for me as I have been working hard to achieve my dream of homeownership, and these inaccuracies are hindering my progress.
I am aware that these inaccuracies violate several provisions of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports, Section 607 ( c ), which requires credit reporting agencies to provide notice to consumers if they have reported any negative information about them, Section 611, which grants consumers the right to dispute inaccurate information on their credit reports with both the credit reporting agency and the entity that provided the information, and Section 623, which requires credit reporting agencies to correct or delete inaccurate, incomplete, or unverifiable information within a reasonable amount of time after receiving a dispute from the consumer.
In addition, the inaccuracies violate Section 312 of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires that entities that furnish information to credit reporting agencies must have reasonable policies and procedures in place to ensure the accuracy and integrity of the information they furnish.
XXXX XXXX According to the information on my credit report, there are discrepancies in the dates of last activity, high balance, date reported, date opened, and last payment reported by the different credit reporting agencies.
This inaccurate information has had a significant negative impact on my life. Due to these discrepancies, my credit score has been affected, and it has become difficult for me to obtain credit, loans, and even housing. This has caused me great stress and XXXX as I am struggling to maintain a good credit standing and financial stability.
I believe that XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), Section 607 ( c ), Section 611, and Section 623. The credit reporting agencies have also violated Section 312 of the Fair and Accurate Credit Transactions Act ( XXXX ) by not ensuring the accuracy and integrity of the information provided to them by XXXX XXXX
XXXX XXXX for account number XXXX. According to TransUnion, the reported High Balance is {$770.00}, while XXXX reports it as {$300.00}, and XXXX does not report it at all. Furthermore, TransUnion reported the Date of Last Activity as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and XXXX reported it as XX/XX/XXXX. These discrepancies in reported information may be a violation of Section 607 ( b ) and Section 312 of the FCRA and FACTA respectively.
Additionally, TransUnion and XXXX did not report the Credit Limit balance for this account, while XXXX reported it as {$1200.00}. This discrepancy may be a violation of Section 607 ( b ) of the FCRA.
I am requesting that the credit reporting agencies correct or delete this inaccurate, incomplete, or unverifiable information within a reasonable amount of time, as required by Section 623 of the FCRA. I also request that XXXX XXXX remove this unverified account from my credit report altogether.
XXXX ( account number XXXX ). According to all three credit bureaus, I was reported as 30 days late on XX/XX/XXXX, but I did not miss any payment on this account.
The inaccuracies in the credit report are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 607 ( b ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. The report of a missed payment when there was none may be a violation of this section. Additionally, Section 607 ( c ) of the FCRA requires credit reporting agencies to provide notice to consumers if they have reported any negative information about them. Reporting a missed payment when there was none may be considered negative information.
Furthermore, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information, and if the information is inaccurate, incomplete, or can not be verified, it must be deleted or corrected. Reporting a missed payment when there was none may be considered inaccurate information. Additionally, Section 623 ( a ) ( 5 ) of the FCRA requires credit reporting agencies to delete or correct information that is incomplete or that can not be verified. Reporting a missed payment when there was none may be considered incomplete or unverifiable information.
XXXX XXXX XXXX XXXX, account number XXXX. According to all three credit bureaus, I was reported as being 30 days late on XX/XX/XXXX, despite not missing any payments on this account.
I believe that XXXX XXXX XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting a missed payment when there was none may be a violation of this section. Additionally, Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 5 ) require credit reporting agencies to conduct a reasonable investigation of disputed information and delete or correct information that is inaccurate, incomplete, or can not be verified. Reporting a missed payment when there was none may be considered inaccurate, incomplete, or unverifiable information.
XXXX XXXX XXXX with account number XXXX. According to all three credit bureaus, I was reported as 30 days late on this account, despite not missing any payments.
I would like to bring to your attention the violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX and the credit reporting agencies. Section 607 ( b ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting a missed payment when there was none may be a violation of this section. Moreover, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information, and if the information is inaccurate, incomplete, or can not be verified, it must be deleted or corrected. Reporting a missed payment when there was none may be considered inaccurate information. Finally, Section 623 ( a ) ( 5 ) of the FCRA requires credit reporting agencies to delete or correct information that is incomplete or that can not be verified. Reporting a missed payment when there was none may be considered incomplete or unverifiable information.
XXXX XXXX with the account number XXXX. According to TransUnion, the last verified date is XX/XX/XXXX, but XXXX did not report anything. Furthermore, TransUnion and XXXX have reported different dates for the last activity and the date when the account was opened.
Additionally, the account type is marked as " open, '' but it is actually a collection account. I was never notified by the creditor that my account had been sold to a collection agency. This has caused significant emotional distress and has affected my ability to obtain credit.
As a result, I believe that Credit Coll has violated several provisions of the Fair Credit Reporting Act ( FCRA ). Section 607 ( a ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting an account type as " open '' instead of " collection '' may be a violation of this section.
Furthermore, Section 607 ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Failing to update the account status after it has been sold to a collection agency and failing to notify the consumer may be a violation of this section.
Moreover, Section 623 ( a ) ( 1 ) ( A ) requires credit reporting agencies to provide accurate information about the date of the last activity on an account. Reporting a different date of last activity on the account between TransUnion and XXXX XXXX be a violation of this section.
Lastly, Section XXXX ( a ) ( XXXX ) requires credit reporting agencies to provide accurate information about the date the account was opened. Reporting different dates of when the account was opened between TransUnion and XXXX may be a violation of this section.
XXXX XXXX, account number XXXX According to TransUnion, the last verified date for this account is XX/XX/XXXX. However, XXXX did not report anything on this account. Furthermore, the account type is listed as " open, '' when in fact it is a collection account. I never received any paperwork from the creditor informing me that they had sold my account to a collection agency, and therefore, I was not notified of the change in status of the account.
These discrepancies have caused significant stress and XXXX in my life. I have been working hard to improve my credit score and have been making timely payments on my current accounts. However, the inaccurate reporting of this collection account has been a significant obstacle in my efforts to rebuild my credit.
I believe the reporting agencies have violated the Fair Credit Reporting Act ( FCRA ). Section 607 ( a ) of the FCRA requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports. Reporting an account type as " open '' instead of " collection '' may be a violation of this section. Additionally, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to conduct a reasonable investigation of disputed information, and if the information is inaccurate, incomplete, or can not be verified, it must be deleted or corrected. Reporting an account type as " open '' instead of " collection '' when it has been sold to a collection agency and failing to notify the consumer may be considered inaccurate or incomplete information.
XXXX XXXX. The account number associated with this dispute is XXXX According to XXXX, the Date of Last Activity on this account is reported as XX/XX/XXXX, while XXXX XXXX reporting it as XX/XX/XXXX. This discrepancy is a clear violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to provide accurate information about the date of the last activity on an account.
Additionally, XXXX XXXX has failed to report the closed date, last payment date, and account type on this account. This failure to report is a violation of Section 605 ( a ) ( 5 ) of the FCRA, which requires credit reporting agencies to report the date of delinquency on any account placed for collection or charged to profit and loss.
XXXX XXXX ( account number XXXX ). According to my credit report, the account type is listed as " open '' when it is actually a collection account. I have never received any paperwork from the creditor notifying me that my account had been sold to a collection agency, and I believe this is a violation of my rights under the Fair Credit Reporting Act ( FCRA ).
This inaccuracy has had a significant impact on my life. I have been denied credit opportunities, such as loans and credit cards, due to this negative information on my credit report. I have been struggling to make ends meet and improve my financial situation, but this inaccurate reporting has made it nearly impossible for me to do so.
I am requesting that you conduct a reasonable investigation of the disputed information and remove the inaccurate account type from my credit report. I believe this is a violation of both Section 607 ( a ) and Section 623 ( a ) ( 2 ) of the FCRA. The credit reporting agencies have a responsibility to assure maximum possible accuracy of the information in consumer reports and conduct reasonable investigations of disputed information. I urge you to take immediate action to correct this error and prevent any further damage to my credit score and financial well-being. Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I previously disputed XXXX XXXX XXXX in a dispute they verified as accurate that I was the cosigner I sent in documents stating that my signature was under buyer it's fraud so just in case you forgot the procedure Fair Credit Reporting Act : 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) of this section, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( XXXX ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).
( XXXX ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( XXXX ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than XXXX business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( XXXX ) Consideration of consumer information In conducting any reinvestigation under paragraph ( XXXX ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( XXXX ) ( A ) with respect to such disputed information.
( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than XXXX business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( XXXX ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the XXXX period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) of this section that the consumer reporting agency furnish notifications under that subsection.
( XXXX ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( XXXX ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( XXXX ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( XXXX ) ( A ) by the deletion of the disputed information by not later than XXXX business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( XXXX ) ( A ), then the agency shall not be required to comply with paragraphs ( XXXX ), ( XXXX ), and ( XXXX ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) of this section that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
( e ) Treatment of complaints and report to Congress ( 1 ) In general The Commission [ 1 ] shall ( A ) compile all complaints that it receives that a file of a consumer that is maintained by a consumer reporting agency described in section 1681a ( p ) of this title contains incomplete or inaccurate information, with respect to which, the consumer appears to have disputed the completeness or accuracy with the consumer reporting agency or otherwise utilized the procedures provided by subsection ( a ) of this section; and ( B ) transmit each such complaint to each consumer reporting agency involved.
( XXXX ) Exclusion Complaints received or obtained by the Bureau pursuant to its investigative authority under the Consumer Financial Protection Act of 2010 shall not be subject to paragraph ( XXXX ).
( XXXX XXXX Agency responsibilities Each consumer reporting agency described in section 1681a ( p ) of this title that receives a complaint transmitted by the Bureau pursuant to paragraph ( 1 ) shall ( A ) review each such complaint to determine whether all legal obligations imposed on the consumer reporting agency under this subchapter ( including any obligation imposed by an applicable court or administrative order ) have been met with respect to the subject matter of the complaint ; ( B ) provide reports on a regular basis to the Bureau regarding the determinations of and actions taken by the consumer reporting agency, if any, in connection with its review of such complaints ; and ( C ) maintain, for a reasonable time period, records regarding the disposition of each such complaint that is sufficient to demonstrate compliance with this subsection.
( XXXX ) Rulemaking authority The Commission [ XXXX ] may prescribe regulations, as appropriate to implement this subsection.
( XXXX ) Annual report The Commission [ 1 ] shall submit to the Committee on Banking XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX and the Committee on Financial Services of the House of Representatives an annual report regarding information gathered by the Bureau under this subsection.
( f ) Reinvestigation requirement applicable to resellers ( XXXX ) Exemption from general reinvestigation requirement Except as provided in paragraph ( XXXX ), a reseller shall be exempt from the requirements of this section.
( XXXX ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within XXXX business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
( XXXX ) Responsibility of consumer reporting agency to notify consumer through reseller Upon the completion of a reinvestigation under this section of a dispute concerning the completeness or accuracy of any information in the file of a consumer by a consumer reporting agency that received notice of the dispute from a reseller under paragraph ( XXXX ) ( A ) the notice by the consumer reporting agency under paragraph ( XXXX ), ( XXXX ), or ( XXXX ) of subsection ( a ) of this section shall be provided to the reseller in lieu of the consumer ; and ( B ) the reseller shall immediately reconvey such notice to the consumer, including any notice of a deletion by telephone in the manner required under paragraph ( XXXX ) ( A ).
( XXXX ) Reseller reinvestigations No provision of this subsection shall be construed as prohibiting a reseller from conducting a reinvestigation of a consumer dispute directly. the buyer
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| 04/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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XXXX XX/XX/2022 I contacted XXXX to get them to remove all addresses and names that have no affiliation with me and this company refused to do anything because they said they didnt ' have proof of my id. I have included a copy of the ftc report along with a copy of my drivers license as proof of ID.
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports.
( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10
years. ( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, a
ntedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 5 ) Any other adverse item of information, other than records of convictions of crimes wh
ich antedates the report by more than seven years.
( 6 ) The name, address, and telephone number of any medical information furnisher that has notified the agency of its status, unless ( A ) such name, address, and telephone number are restricted or reported using codes that do not identify, or provide information sufficient to infer, the specific provider or the nature of such services, products, or devices to a person other than the consumer; or ( B ) the report is being provided to an insurance company for a purpose relating to engaging in the business of insurance other than property and casualty insurance.
( 7 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a XXXX XXXX debt if the date on which the hospital care, medical services, or extended care services was rendered relating to the debt antedates the report by less than 1 year if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
( 8 ) With respect to a consumer reporting agency described in section 1681a ( p ) of this title, any information related to a fully paid or settled veterans medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a XXXX XXXX debt and the consumer reporting agency is in compliance with its obligation under section 302 ( c ) ( 5 ) of the Economic Growth, Regulatory Relief, and Consumer Protection Act.
My Name is ( XXXX XXXX ) MY ADDRESS IS ( XXXX XXXX XXXX, XXXX XXXX XXXX ) I have been at this address almost XXXX years.
My previous address was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I lived there for over 30 years.
Social Security number XXXX. Any other Social Security numbers listed on my credit report must be removed because they do not reflect accurate information.
Please ( DELETE ) any address or names that are appearing on my credit report that do not reflect the name and address given above.
I also want the current information Verified with signatures of all parties involved with signed contracts and the Verifying company information and who verified the information sent to me at the address listed on my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX - XXXX knowledge of this account XXXX. XXXX XXXX XXXX XXXX - XXXX knowledge of this account XXXX. XXXX XXXX - XXXX - XXXX knowledge of this account XXXX. XXXX XXXX XXXX -No knowledge of this account XXXX. XXXX XXXX XXXX XXXX knowledge of this account XXXX. XXXX XXXX XXXX - This account was paid as agreed and closed.
Any inquires that appear on my credit report other than XXXX XXXX XXXX and XXXX XXXX XXXX must be removed because i did not give anyone permission to pull my credit report other than the companies that i have listed. Any companies that appear on my credit report that are not listed i want the removed.
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft.
( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information.
( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale.
( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft.
( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
I want the following companies and information blocked from appearing on my credit report.
XXXX. XXXX XXXX - This company is showing an open account and this is a charged off debt that they are trying to collect from a act of fraud.
XXXX. XXXX XXXX XXXX- This company is showing an open account and this is a charged off debt that they are trying to collect from a act of fraud.
I want these account 's removed or blocked because they are showing that they are open account 's and these are charged off debts and the law clearly states that charges offs are considered income and no credit reporting agency can report income.
Any information that is not true and correct that dose n't reflect the true nature of my being I want it removed and deleted to not be put back on no later date.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( XXXX ) To the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX XXXX as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( XXXX ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
Clearly XXXX, Trans Union, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX and Core logic has violated my rights.
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Transunion has my name, address, DOB and telephone number wrong. It's hurting my credit score and affecting my life. There are a lot of inaccuracies on the reports. Then they violated the Privacy Act of 1974, 15 USC 6805 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, of such financial institutions policies and practices with respect to ( XXXX ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section XXXX of this title, including the categories of information that XXXX be disclosed ; ( XXXX ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( XXXX ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section XXXX of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( XXXX ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section XXXX of this title, and including ( A ) the categories of persons to whom the information is or XXXX be disclosed, other than the persons to whom the information XXXX be provided pursuant to section XXXX ( XXXX ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( XXXX ) the categories of nonpublic personal information that are collected by the financial institution ; ( XXXX ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section XXXX of this title ; and ( XXXX ) the disclosures required, if any, under section XXXX ( d ) ( XXXX ) ( A ) ( XXXX ) of this title. ( d ) Exemption for certified public XXXX ( XXXX ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a XXXX ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( XXXX ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( XXXX ) from any provision of this section. ( XXXX ) Definitions For purposes of this subsection, the term XXXX means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX. ( XXXX ) Model forms ( XXXX ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( XXXX ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of th is title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. ( d ) Joint relationships. ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction. ( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you XXXX not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) XXXX XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you XXXX only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. ( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Privacy of Consumer XXXX XXXX XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of XXXX XXXX part XXXX with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. [ XXXX XXXX XXXX XXXX. XXXX, XXXX, as amended at XXXX XXXX XXXX, XXXX XXXX, XXXX ] XXXX CFR XXXX or deceptive acts or practices. In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outletsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as amended at XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ] I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
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| 03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The inquiries that are on my credit report, was not ran by me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The inquiries listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have attempted to open these accounts and made the request without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these inquiries were fraudulently opened, and they have known this for several months, but have yet to remove these inquiries from my credit reports. Some of the creditors have been cooperative and have removed the inquiries, but others have refused to remove the fraudulent inquiries. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DPEDXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX Transunion XXXX XXXX XXXX XXXX XXXX PA XXXX Good morning, I am writing with a request to remove the fraudulent collection from my account immediately.
Time and again, this account has been placed back onto my report and affecting me from moving forward. A copy of this letter has been sent to your manager as well. Please remove this collection off my report.
Sincerely, XXXX XXXX XXXX XXXX XXXX Fraudulent collection Accounts : XXXX XXXX XXXX Account Number : XXXX Account Opened : XX/XX/XXXX Balance : {$420.00} In the Fair Credit Reporting Act : 15 U.S. Code 1681b it states : ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C.1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) [ 1 ] of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. XXXX or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) of this section in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person ; or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance ; ( ii ) the consumer reporting agency has complied with subsection ( e ) of this section ; ( iii ) there is not in effect an election by the consumer, made in accordance with subsection ( e ) of this section, to have the consumers name and address excluded from lists of names provided by the agency pursuant to this paragraph ; and ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of 21, or, if the date of birth on the consumer report shows that the consumer has not attained the age of 21, such consumer consents to the consumer reporting agency to such furnishing.
( 2 ) Limits on information received under paragraph ( 1 ) ( B ) A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
( 3 ) Information regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
( d ) Reserved ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) of this section in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
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| 04/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 04/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : No Name ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : Unknown ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX
ACCOUNT XXXX : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 08/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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my name is XXXX XXXX reached out to XXXX/TRANSUNION/XXXX XXXX XXXX XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX/TRANSUNION/XXXX XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all the major ( XXXX ) XXXX/TRANSUNION/XXXX XXXX XXXX XXXX ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore , until validated you know your information concerning this debt is inaccurate . NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/TRANSUNION/XXXX XXXX XXXX XXXX then, you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/TRANSUNION/XXXX XXXX XXXX XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX/TRANSUNION/XXXX XXXX XXXX XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ( ACCOUNT NAMES ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATEOPEN XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIve sent out multiple FTC reports XXXX reports New Jersey consumer protection complaints as well as a New Jersey state , Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATEOPEN XX/XX/XXXX PRICE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request for accounting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX DATEOPEN XX/XX/XXXX PRICE XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Somehow XXXX has allowed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX file fraudulent information on the secured party and creditor Aka the real party in interest i, woman, XXXX XXXX XXXX, and XXXX XXXX XXXX re-presents a complaint against the Defendants herein this day as to Harassment Slander Defamation and libel. They have the wrong address and the wrong persons. The names presented upon debt and or mortage is XXXX XXXX XXXX and XXXX XXXX XXXX. Banks aka the Defendants have illegally contacted Plaintiffs requesting monies unproven to be owed without show of cause and proper documentation. Also Plaintiffs have notice multiple attempts of XXXX XXXX XXXX XXXX. Mortgage Division has sold or transferred the alleged information that of the Plaintiffs without consent, rights thereto, and proper information. Upon multiple request, Plaintiffs had given the Defendant XXXX XXXX XXXX. and employees Qualified Written Request to be filed and that with accuracy thereto the Plaintiffs private and personal property. Be it known this is not about a attempt to foreclose but the threat of such without proper and legal access thereto the Plaintiffs private property located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ]. In fact Defendant XXXX XXXX mailed emailed and such the like provided documents thereto the Plaintiffs with incorrect information with the names and address of XXXX XXXX XXXX and XXXX XXXX XXXX. Based upon the letters presented approximately on four different occasions, Defendant XXXX XXXX has contacted the Plaintiffs without show cause and proof of a debt. But rather continued to threatened the Plaintiffs and their land and home. Thereafter the Plaintiffs filed a complaint against XXXX XXXX XXXX for identity theft and forgery approximately XX/XX/XXXX and the court hearing was held XX/XX/XXXX. The Defendant was notified but as usual ignored the notice. Soon after the court date and filings of such records with the court XXXX XXXX XXXX. and employees not limited thereto XXXX a subsidiary and or acquired bank whom also alleged rights to the Plaintiffs home property and land falsely. Such employees where contacting the Plaintiffs via USPO mail such as XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX all currently employed therewith XXXX XXXX XXXX. whom also where employed with XXXX before XXXX XXXX squired them during the housing market crash and as well the same employees are believed and proven to have worked with XXXX XXXX XXXX d.b.a. XXXX XXXX XXXX whom was forced out of business by the California Corporations Commissioner on or around XX/XX/XXXX, due to fraud, revoking a license they failed to obtain before doing business in the housing and mortgage markets therein XXXX XXXX County or the State Of California. XXXX XXXX XXXX is currently doing business under the name XXXX XXXX XXXX XXXX. Said company has been fined by government agencies for resurfacing under a new name. The law states that a Mortgage and all documents therein must be signed by both parties present. The new law is intended to expand the federal government 's capability to prosecute mortgage fraud, securities and commodities fraud, and other frauds related to federal assistance and relief programs. Prosecuting Mortgage Fraud Cases as Bank Fraud. By amending the definition of financial institution to include a mortgage lending business, as a result, convictions for mortgage fraud can now carry a 30-year maximum prison sentence or a maximum XXXX XXXX fine, or both. Even more importantly, mortgage fraud cases will now have a 10-year statute of limitations, as opposed to the 5-year statute of limitations for other frauds, which will give federal prosecutors much more time to develop such cases. IDENTITY THEFT - The Plaintiffs believes that XXXX XXXX XXXX obtained their information from public records via XXXX XXXX County Registrar Office either in XXXX Ca and or within said offices therein the State Of California. This information was illegally sold thereto XXXX whom hired XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX, formerly of XXXX XXXX. For XXXX XXXX employees XXXX XXXX XXXX along with a notary by the name of XXXX XXXX filed a illegal Mortgage Document thereon or about XX/XX/XXXX, and again XXXX XXXX XXXX filed a document therein the same government agency on or about XX/XX/XXXX. This was done by appearing therein the County Registrar Office and obtaining private and personal information. Basically the Defendants in tort be it XXXX XXXX XXXX and XXXX/XXXX XXXX XXXX. used these fraudulent documents and created an instrument aka a mortgage loan unbeknownst thereto the Plaintiffs until on or about XX/XX/XXXX. On XX/XX/XXXX, President Obama signed into law the Fraud. The new law is intended to expand the federal governments capability to prosecute mortgage fraud, securities and commodities fraud, and other frauds related to federal assistance and relief programs, such as the Troubled Assets Relief Program. HARASSMENT - After the company XXXX XXXX XXXX now doing business as XXXX XXXX XXXX XXXX, had obtained the Plaintiffs Private and personal information they called the Plaintiffs making fraudulent unbelievable offers to refinance, when the home owners [ Plaintiffs ] said no, and was no longer interested due to the issues presented that was too good to be true, they XXXX XXXX XXXX then forged documents and allegedly sold them to XXXX unbeknownst thereto the Plaintiffs until XX/XX/XXXX. Nothing appeared thereon their credit reports until XX/XX/XXXX, not limited to a unknown lien by way of a credit card from XXXX XXXX XXXX. whom alleged a debt that was XXXX filed in XX/XX/XXXX and agreed upon such in XX/XX/XXXX when the debt was to be XXXX. XXXX XXXX not limited thereto employees filed a lawsuit against XXXX XXXX XXXX Plaintiff in order to place the lien upon the home because the property had no liens no mortgage assignments thereafter PAID IN FULL with XXXX XXXX XXXX XXXX in XX/XX/XXXX, whom was suddenly acquired by XXXX XXXX in XX/XX/XXXX with the Plaintiffs information private and no consent to do any business therewith XXXX XXXX XXXX. More over the only name on the home was that of XXXX XXXX XXXX, not XXXX XXXX XXXX as recorded in the Deeds records and such the like. None the less XXXX XXXX XXXX. not limited to employees added his name to newly created documents. Thereafter XXXX began contacting the Plaintiffs requesting payments late payments and back payments of monies owed that was not proven such a mortgage existed. Thereafter XXXX Produced a Mortgage document with the names that look like the Plaintiffs but was not that of the Plaintiffs. XXXX XXXX XXXX did not appear thereon the documents as well nor did XXXX XXXX XXXX. During the complaint initiation filed with XXXX XXXX XXXX. and later with the CFPB in XX/XX/XXXX the SEC, OCC and such the like agencies that regulated such banks in actions therein. Also contacting neighbors and family members embarrassing the Plaintiffs by stating in writing that they the Plaintiffs do not like to pay the debts. As well reporting it thereto credit agencies and bureaus such as TransUnion, XXXX, XXXX and others. Such was ignored and other failed attempts deleted from the credit reports of the Plaintiffs as of XX/XX/XXXX. XXXX XXXX also reported this information thereto XXXXXXXX XXXX. Trustee and such the like, whom in response to the Plaintiffs by XXXX, whom stated in a letter XX/XX/XXXX, this debt is real and still owed. SLANDER & LIBEL - The Plaintiffs have no record contracts with XXXX XXXX XXXX. Plaintiffs recall having credit cards with XXXX XXXX XXXX. whereas they believe other private old or new information was attained and used to harass Plaintiffs in order to create a mortgage contract by said bank not limited to employees and acquired banks therein. Slander is mentioning someones personal and private business thereto others without proof facts truth and such the like. The action, or crime, of making a false spoken statement damaging to a person 's reputation. Such was done when XXXX XXXX XXXX. made multiple attempts to record this information with the XXXX XXXX County Registrar Office, Courts, and other agencies such as the XXXX XXXX County Tax Accessor and more. Libel is a published false statement that is damaging to a person 's reputation ; a written defamation. Code of Civil Procedure - CCP 170.6. ( 1 ) A judge, court commissioner, or referee of a superior court of the State of California shall not try a civil or criminal action or special proceeding of any kind or character nor hear any matter therein that involves a contested issue of law or fact when it is established as provided in this section that the judge or court commissioner is prejudiced against a party or attorney or the interest of a party or attorney appearing in the action or proceeding. home owners and customers are now APPELLANTS STATEMENTS OF FACTS - The Plaintiffs filed accordingly thereto the laws within these United States thereto serving all Defendants herein mentioned within said complaint and claim [ s ] and all where served on or about XX/XX/XXXX. XXXX XXXX XXXX XXXX duty sworn under oath has failed himself by not reading the briefs, complaint claims and recusals not limited thereto disqualifications as to attorneys creating confusion as to who they are and to what they are doing. No answers where filed, no notices of appearances, they the Defendants attorneys just showed up with a notice of removal on XX/XX/XXXX filed alleging that they filed it on XX/XX/XXXX XXXX well after the Plaintiffs filed their Motion for Default Judgement and hearing set on XX/XX/XXXX. ARGUMENT - Plaintiffs have filed this complaint on XX/XX/XXXX. Plaintiffs amended, and released XXXX XXXX XXXX on or about XX/XX/XXXX. All Defendants where served on or about XX/XX/XXXX. All Defendant minus [ XXXX ] XXXX XXXX XXXX XXXX. defaulted on or about XX/XX/XXXX when the Plaintiffs filed their Motion For Default Judgment hearing paid for and set forth on XX/XX/XXXX XXXX. The Defendants failed to file with the courts on or about the 30 days of receiving the summons and complaint and chose to delay by filing only an answer therein District State Court Central Division on or about XX/XX/XXXX and or about XX/XX/XXXX. By doing this at this time means they defaulted. All Defendants listed herein this amended and original complaint are responsible for they too did respond with letters and therein court by removal and such the like of Plaintiffs case, they are not being sued erroneously for their involvement are as follows ; XXXX XXXX XXXX and such the like claims to be the Trustee, and supported this fact by way of multiple letters. XXXX aka XXXX XXXX XXXX XXXX claims to be the Nominee and beneficiary without legal rights to land or property but known as a online record keeper of Mortgages. XXXX XXXX claims to be the servicer and owner of said mortgage alleged created out of identity theft and forgery creating the slander defamation and libel case herein. XXXX XXXX XXXX XXXX and such the like claimed to be the new debt collector as of XX/XX/XXXX and supported this fact with letters sent to the Plaintiffs home. XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX by way of XXXX XXXX alleged to have originated the loan and the documents where recently produced and mailed to the Plaintiffs home property and land on XX/XX/XXXX, by attorney in representation. XXXX XXXX XXXX XXXX alleged to have acquired the fraudulent mortgage from XXXX XXXX XXXX as of XXXX unbeknownst thereto the Plaintiffs until XX/XX/XXXX, whereas four years later XXXX supported this fraud by sending letters stating that a debt or a mortgage was owed due to their acquisition of XXXX in XX/XX/XXXX. This is abiding therein the Statute Of Limitations for the ten year period this has been going on. STATEMENT OF APPEALABILITY This appeal is from the judgment of the XXXX XXXX County Superior Court and is authorized by the Code of Civil Procedure, section 904.1, subdivision ( a ) ( 1 ). ( a ) An appeal, other than in a limited civil case, is to the court of appeal. An appeal, other than in a limited civil case, may be taken from any of the following : ( 1 ) From a judgment, except an interlocutory judgment, other than as provided in paragraphs ( 8 ), ( 9 ), and ( 11 ), or a judgment of contempt that is made final and conclusive by Section 1222. ( 2 ) From an order made after a judgment made appealable by paragraph ( 1 ). ( 3 ) From an order granting a motion to quash service of summons or granting a motion to stay the action on the ground of inconvenient forum, or from a written order of dismissal under Section 581d following an order granting a motion to dismiss the action on the ground of inconvenient forum. ( 4 ) From an order granting a new trial or denying a motion for judgment notwithstanding the verdict. ( 5 ) From an order discharging or refusing to discharge an attachment or granting a right to attach order. ( 6 ) From an order granting or dissolving an injunction, or refusing to grant or dissolve an injunction. ( 7 ) From an order appointing a receiver. ( 8 ) From an interlocutory judgment, order, or decree, made or entered in an action to redeem real or personal property from a mortgage thereof, or a lien thereon, determining the right to redeem and directing an accounting. ( 9 ) From an interlocutory judgment in an action for partition determining the rights and interests of the respective parties and directing partition to be made. ( 10 ) From an order made appealable by the Probate Code or the Family Code. ( 11 ) From an interlocutory judgment directing payment of monetary sanctions by a party or an attorney for a party if the amount exceeds five thousand dollars ( {$5000.00} ). ( 12 ) From an order directing payment of monetary sanctions by a party or an attorney for a party if the amount exceeds five thousand dollars ( {$5000.00} ). ( 13 ) From an order granting or denying a special motion to strike under Section 425.16. ( 14 ) From a final order or judgment in a bifurcated proceeding regarding child custody or visitation rights ( b ) Sanction orders or judgments of XXXX XXXX dollars ( {$5000.00} ) or less against a party or an attorney for a party may be reviewed on an appeal by that party after entry of final judgment in the main action, or, at the discretion of the court of appeal, may be reviewed upon petition for an extraordinary writ. As for XXXX XXXX XXXX all the credit agencies know that he have no record of ever having a mortgage and such was the reason for the lower score less than 750 rating. Therefore never having a mortage without proof facts and evidence other than forged identity theft documents only creates such complaints toward the credit agency that of XXXX and others.
XXXX XXXX and XXXX XXXX XXXX XXXX had been given a Cease and Desist, court order of identity theft held on XX/XX/XXXX and other documents from the DOJ concerning this matter and now this is being pursued by Plaintiffs XXXX XXXX XXXX and XXXX XXXX XXXX in Federal Court, State Court of appeals and other legal arbitration venues. Please do not make us add your agencies thereto this complaint. Also just got off the phone with XXXX from TransUnion and learned that this was newly added to the credit report of XXXX XXXX XXXX and XXXX XXXX XXXX as of XX/XX/XXXX whereas that is fraud and identity theft see exhibits. XXXX XXXX does not work for XXXX XXXX XXXX this is fraud BOA stated this in a letter addressed to you XX/XX/XXXX.
Please remove within the next 15 days.
Notice XXXX and XXXX has the wrong persons names and identity XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX we are not related and do not share the same address. That address of XXXX XXXX XXXX is rental property for XXXX XXXX XXXX only and is only in her name paid in full as of XX/XX/XXXX. All this information and request is undisrupted.
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| 03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 02/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX is intentionally, illegally, fraudulently reporting incorrect, inaccurate, information to the consumer reporting agencies. And the consumer reporting agencies are intentionally, illegally, fraudulently reporting this inaccurate, incorrect information without verifying the information first. I have disputed these 2 XXXX accounts for the last 2 years with no resolution from XXXX, XXXX, XXXX, Transunion or XXXX. I first learned about XXXX in XXXX and immediately contacted them and the consumer reporting agencies to find out who they were and why they just added to new open accounts from XX/XX/XXXX. I never signed a contract with XXXX. I never borrowed any money or took out a loan with XXXX. I never authorized XXXX to run my credit or report anything to my credit. I never provided XXXX with my personal information in an effort to open any new accounts or take out any loans. Therefore, they are intentionally, knowingly, fraudulently stole my identity in an effort to collect on a debt that they do not rightfully own. I never received any written correspondence from XXXX via U.S Mail advising that they were a collection agency or debt collector when they originally claimed to acquire the debt in XXXX. Therefore, I began disputing and appealing these 2 accounts with the consumer reporting agencies and XXXX. The consumer reporting agencies just kept stating that the debt was verified by XXXX. I requested proof of the verification and a copy of the investigation. I have not received anything from the consumer reporting agencies to date. XXXX continues to send me copies of billing statements that they have generated and not the actual validation of debt, proof of ownership, proof of purchased debt, proof of certificate that verifies that they can legally collect on a debt in my State. Besides, XXXX continues to argue that this debt originated from my attendance or enrollment at XXXX XXXX XXXX in XXXX. However, I never attended XXXX in XXXX. After doing my own research, I learned that these loans originated from XXXX XXXX and was transferred to XXXX ( XXXX ) when the loans defaulted in XXXX. I've never made a payment on these accounts so even if the debt was valid, it's been more than 7 years so the Statue of Limitations was exceeded in XXXX. XXXX knowingly, intentionally, fraudulently re-aged the debt and reported it to the consumer reporting agencies in an effort to collect on a debt that they don't own. THAT'S FRAUD! They reported this debt as if they were the original creditors from XXXX! THAT'S FRAUD! They've been reporting paid as agreed, on time, never late even though I've NEVER paid them anything NEVER! Once they saw that I wasn't given in to them, they reported the account 90 days late for XX/XX/XXXX and 120 days late for XX/XX/XXXX. THIS IS FRAUD! XXXX IS FRAUDULENT! I NEVER gave XXXX, XXXX, XXXX, XXXX or TransUnion any verbal or written consent to report anything on my consumer report. No consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party! 15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. SO I DEMAND DELETION OF ALL XXXX REPORTED ACCOUNTS EFFECTIVE IMMEDIATELY! I sent the following correspondence to XXXX and they have NEVER completed and sent the correspondence back to me. Validation of a Debt Request Pursuant to 15 USC 1692g. BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for XXXX made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 60 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. The Following information is required. Please fill out the form below in its entirety. Name and address of Alleged creditor : Name on file of alleged debtor : Alleged Account # : Address on file for alleged debtor : Amount of alleged debt : Date this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? ____ No ____Yes Amount Paid if debt was purchased : Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open, including all charges, fees, interest accrued, payments and credits.
Have any insurance claims been made by any creditor regarding this account?
Yes No Have any Judgements been obtained by any creditor regarding this account?
Yes No Please provide me the name and address of the bonding agent for COLLECTION COMPANY NAME, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 60 calendar days for processing after I receive this information.
NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # XXXX To Whom It Might Concern : I have requested that you validate the alleged debt that you claim that I owe, and all you have provided me with are excuses, statements and partial account history for accounts that you can NOT prove are mine or prove that you have the legal right to collect on the debt!
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 USC 1692 ( g ) - Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 1692c ( c ) Ceasing communication - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.
Proper validation of this alleged debt was NOT provided to me within 30 calendar days of receiving my last request dated for XX/XX/XXXX so Im now assuming that this alleged debt is fraudulent and invalid and therefore, you shall submit to myself and all consumer reporting agencies within 72 hours upon receipt of this letter, in writing, on company letterhead, via US Mail that ALL of the accounts should be deleted effective immediately and stop ALL collection activities regarding these accounts.
Furthermore, you do NOT have any jurisdiction or authority to even collect on these alleged debts.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall : ( 1 ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( 2 ) in the case of an action not described in paragraph ( 1 ), bring such action only in the judicial district or similar legal entity ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15 USC 1692 even further, just keep in mind that an attorney can NOT be a debt collector and a debt collector can NOT be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may NOT use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for EACH VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court XXXX allow, but not exceeding {$1000.00}.
I recently received a copy of my XXXX, XXXX and TransUnion consumer reports and I noticed that youre still reporting some late payments from over 7 years ago AND for the current year for XXXX - XX/XX/XXXX, they are as follows : XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include : subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU ) XXXX Making the report is not INCLUDED on my Consumer report!
A Late payment is a transactional history, My HISTORY with your company and CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! YOU HAVE VIOLATED THE FCRA 15USC 1681a 2Ai by reporting this transaction or experience on my consumer which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS.
You have XXXX calendar days to update my Payment history and/or delete all late payments from the below account : Failure to respond satisfactorily with deletion of the above Late Payments, will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character Negligent Non Compliance Civil Liability Mental Anguish Denial of Credit Approval from other lenders due to false & illegal reporting Decreased credit ratings Time spent repairing, updating and monitoring credit Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Your Options are as follows : Delete this account and cease and desist with all collection activities ; Close ALL account, credit all balances to {$0.00}, report NEVER late, remove all negative history; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more accrued damages.
Please accept this letter as my request to receive a FREE, FULL, COMPLETE, PRINTED COPY OF MY Consumer Report AND Score! I am DEMANDING that you MAIL me a FREE, FULL, COMPLETE, PRINTED COPY OF MY CONSUMER REPORT AND SCORE!
Please also accept this letter as notice and confirmation that I hereby OPT OUT and do NOT wish to resolve any disputes with XXXX, Transunion, XXXX, XXXX or XXXX through arbitration. Again, I reject the arbitration clause in the Transunion, XXXX, XXXX XXXX and XXXX interactive service agreement.
I, NEVER gave XXXX, Transunion, XXXX, XXXX or XXXX any verbal or written consent to report anything on MY consumer report. NO consent is IDENTITY THEFT! A copy of the law is attached with this dispute. You also do NOT have any permissible purpose to furnish my personal information to any third party. Therefore, I DEMAND you to immediately CEASE & STOP ALL information collection, sharing, selling, marketing, soliciting, purchasing of my personal information with ANY AND ALL 3rd party agencies! DO NOT COLLECT, SHARE, MARKET, SOLICIT, PURCHASE OR SELL ANY OF MY PERSONAL INFORMATION TO OR FROM ANY 3RD PARTY AGENCY!
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I am requesting to PERMANENTLY OPT OUT of prescreened offers! I AM DEMANDING THAT MY NAME, ADDRESS AND ANY OTHER PERSONAL INFORMATION ABOUT ME BE DELETED AND SUPPRESSED FROM YOUR FILES AND EVERY 3RD PARTY AGENCY THAT YOU HAVE PREVIOUSLY SOLD, SHARED, COLLECTED, MARKETED OR PURCHASED FROM EFFECTIVE IMMEDIATELY! I AM DEMANDING TO BE PERMANENTLY OPTED OUT OF PRESCREENED OFFERS EFFECTIVE IMMEDIATELY! I DO NOT GIVE YOU PERMISSION TO CONTACT ME VIA PHONE OR EMAIL. DO NOT STORE ANY PHONE NUMBERS OR EMAIL ADDRESSES. ALL CORRESPONDENCE SHOULD BE SENT VIA US POSTAL MAIL ONLY. Thank you so much in advance for updating and noting my account with these details immediately upon receipt of this notice. DELETE EVERY ACCOUNT FROM ALL SOURCES AND ALL THIRD PARTY REPORTING AGENCIES! DELETE ALL PERSONAL INFORMATION, DELETE ALL BALANCES! DELETE ALL REPORTING ACCOUNTS, DELETE ALL PHONE NUMBERS, DELETE ALL EMAIL ADDRESSES, DELETE ALL RECORDS OF THESE FRAUDULENT ACCOUNTS! SEND ME A CHECK FOR {$100000.00} FOR STEALING MY IDENTITY AND COMMITTING FRAUD!
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| 04/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX violated the Privacy Act of 1974, 15 USC 6805 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX. ( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of th is title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). ( Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX VI, XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX Stat. XXXX, XXXX ; Pub. XXXX XXXX, XXXX. G, title LXXV, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) XXXX XXXX XXXX XXXX of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. ( d ) Joint relationships. ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction. ( XXXX ) XXXX. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you XXXX do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you XXXX not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) XXXX XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you XXXX only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. ( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. [ 65 FR 33677, May 24, 2000, as amended at 74 FR 62966, Dec. 1, 2009 ] 16 CFR 313 Privacy of Consumer 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. [ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] 16 CFR 433.3 Exemption of sellers taking or receiving open end consumer credit contracts before November 1, 1977 from requirements of 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. [ 42 FR 19490, Apr. 14, 1977, as amended at 42 FR 46510, Sept. 16, 1977 ] 16 CFR 424.1Unfair or deceptive acts or practices. In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets. [ XXXX FR XXXX, XXXX XXXX, XXXX, as amended at XXXX FR XXXX, XXXX XXXX, XXXX ] I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE.
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
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| 12/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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To whom it might concern, Might it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
XXXX ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
XXXX ) Your reporting is unproven to be of FCRA XXXX ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
Your reporting is unproven to be of XXXX enacted XXXX METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge. Notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting!
OBVIOUSLY, in this Notice for my DECLARATION of CHECK of COMPLIANCE ( DOCC ) I would like to make known my challenge versus any information by which you fail to present demonstrated PROOF physically to m of the adequate testament of FACTS as related to each and every notation and or aspect of the report allegations, how reported, and the certified Metro 2 Compliance status of any and all entities involved and or tangentially related to the unlawful retaining and reporting of misinformation even beyond my composition of writ complaint compelling you to abide by any and all federal laws and or related regulations within MY STATE. As you might well have concluded, recently while reviewing my report I found a number of likely mistakes and inaccuracies that you are reporting ( again, UNLAWFULLY SO might I add ), among the most troubling are listed below ( see below ) and clearly involves a failure by your firm to maintain reasonable procedures to assure maximum possible accuracy of consumer credit information 15 U.S.C. 1681. It is with CLARITY that it is UNPROVEN these injurious allegations of VERY severe derogatory nature can not be readily assumed to belong to me. In fact, with your apparent consistency with being extraordinarily INCONSISTENT has to make the question to the actual existence even of this claimed circumstance much less likely being been MIXED onto my credit report by an erroneous reporting error because your company cant maintain accurate information, either WILLFULLY or in IGNORANCE! REGARDLESS, federal laws and civil courts are CONSISTENT in the REQUISITES of all entities involve regularly with reporting of consumer credit reports to be fully and adequately trained and CERTIFIED METRO 2 COMPLIANT. Any claims from an uncertified agent would certainly XXXX likelihood the information transferred is NOT QUALIFIED for retaining and or reporting per laws of COMPLIANCE for PROVEN ACCURATE and COMPLETE reporting, INCLUDING the full implementation of Implementation of the XXXX enacted XXXX METRO 2 COMPLIANT data entry standards. The item I believe to be incorrect is listed below. I am also including a copy of how this item is reported BY your credit reporting agency. Moreover, I recently requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported incorrectly. In the process of investigating this matter on MY OWN INITIATIVE, I have discovered a POTENTIAL PERSONAL DATA BREACH, since my personal privacy NOW appears to have been violated, I am exercising my rights under the FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) .UNMISTAKABLY, Your bureau is now being LAWFULLY COMPELLED by rightful consume DEMAND to provide detailed information in this matter as this matter has escalated into a pending tort action under Telephone Records and Privacy Protection Act of 2006. To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you WILL forward all of the relevant information provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate.
3. Note the information as disputed BY the CONSUMER on my credit report According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on accredit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am assure questing the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is NOT my first time contacting your organization.
The following claims are UNFOUNDED and as so are ILLEGALLY REPORTING so ERADICATE them each and all RIGHT NOW!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Verify and Validate all alleged collection activities accused me above still unproven compliant much less mine or my responsibility. DELETE NOW in its ENTIRETY or else testify in composition to its wholeness in CERTIFIABLE TRUTH, ACCURACY, TIMELINESS, undoubtable and documented OWNERSHIP, irrefutable RESPONSIBILITY, total COMPLETENESS as related to the requisite reporting standards to INCLUDE any and all METRO 2 DATA FIELD FORMATTED regulatory reporting obligations such as the exact and full XXXX XXXX XXXX XXXX XXXX XXXX along with any and all of its trailing fragments, any and all of the sequential XXXX pieces to confirmation of a collection, any and all of the alpha-/ numeric-/and or alphanumeric SOURCE CODES, the credit classification codes, legally and adequately obtained ad reviewed current lawful state photographic identifications, and such as is mandated, whether or not mentioned here and now. Not PERFECTLY COMPLIANT reporting requires immediate eradication of claims, so be it.
FURTHER, CONFIRM the XXXX key components of our individual identities in case this data breach becomes yet another case potentially leading to my inclusion as a victim of fraud and or of identity theft due to Your DEFICIENT and NOT PROVEN COMPLIENT RETAINING and or REPORTING of consumer records, particularly that of personal identifiers.. Therefore, I must request that your bureau confirm in writing the following personal information : XXXX FULL LEGAL NAME as it Appears on my Credit report XXXX Legal Address of Record XXXX SSN # ( or redacted last XXXX digits ) XXXX Date of Birth XXXX Zip Code for my Home Address The CRSA enacted XXXX Metro 2 compliant reporting XXXX XXXX the precise and exact fully complete XXXX P-Segment or Trailing Segment that is to include the minimally XXXX portioned PERSONAL IDENTIFIERS to which databasing of alleged tradeline information occurs. Per XXXX, auto-populating ANY data field input entry and or application of Slash Entries ( such as XXXX or XXXX, etc ) into the Metro 2 system is automatic call for deletion due to any and all repeating entry as NULL and VOID. More over, the regulatory obligation dictates that any and all data furnishers MUST include an attached TRAILING SEGMENT that absolutely accurately and completely includes ALL of the account of allegation ( XXXX ) specifics! Must be performed in a REAL-TIME browser LOCKDOWN to be lawful. Per XXXX implementation, if a data furnisher fails to respond within20 calendar days, e-Oscar is to terminate challenge in favor of consumers and or auto-escalate any and all consumer complaints to a certified Metro 2 compliance trained SPECIALIST. Being Phase XXXX of the Implementation of the CRSA, SMART auto-responders are not compliant and unlawful if used by furnishers or accepted by XXXX .Federal laws mandate MANUAL ENTRY for any and all consumer 's FULL P-Segment PREVIOUS coding for a RESPONSE, please certificate in testimonial fact to this occurring. Submit/re-submit shuffling to populate the metro XXXX XXXX fields are illegal. Responsible, Lawful, ethical, and compliant consumer credit reporting is the REQUISITE technical accuracy in EVERY single item retained and or reported to or by any consumer credit reporting agency. Metro 2 compliance requires exacting P-segment, to include the minimal five ( 5 ) portion personal identifiers as well as a PRECISELY and COMPLETELY FULL account trailing segment. Per the XXXX, any and all CRA insourced DISPUTE Specialist MUST BE Metro 2 Compliance Data Entry Evaluation CERTIFIED. Further, this qualifying certification can be REVOLVED by CONSUMER COMPLAINTS per the XXXX Signing Statement. I repeat, to lawfully retain and or report any claim of information, be it an account or any aspect of such, the must be irrefutable fullness in the truth of reporting, correctness of reporting, COMPLETENESS of reporting, TIMELINESS of reporting and of the reported allegations, undoubtable ownership, irrefutable responsibility of adverse claims, and or adequate and complete INFORMATIONAL COMPLIANCE to the XXXX enacted XXXX Metro 2 data field formatted reporting regulatory standards and obligations to include the XXXX time relevance of account reported/ how reported/when reported, PRESENT and RELEVANT PERSONAL IDENTIFIERS. Further lawful reporting demands that the regulatory compliance rules are applied EVENLY and thoroughly from data provider to consumer credit reporting repository. Accuracy and completeness of all of any and all information, particularly derogatory consumer information, must abide by every and one of current MY states reporting regulations as well as those of federal laws, even the XXXX METRO 2 COMPLIANCE standards due to the implementation of the Credit Reporting Settlement Agreement ( CRSA. ) Is the Personal Identifier information alleged in the reported XXXX P-SEGMENT true, correct, and complete to standards of CERTIFIED METRO 2 COMPLIANCE?
Please demonstrate adequate proof of precisely true, accurate, and applicable VALIDATION of the claimed reported CREDITOR CLASSIFICATION CODES, or eradicate every single one and each any and all of the adversary derogatory accusations injuring me immediately, TODAY even NOW and HERE!
Your failure to demonstrate the REQUIRED presentation of composed PROOF as demanded in this declaration would compel me to consult my consumer complaint lawfully to the members of the XXXX, as undoubtedly reporting not only must be true, timely, and accurate but also in its COMPLETENESS of DATA ENTRY presented to any entity INCLUDING all consumer reporting repositories.
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX Metro 2 COMPLIANCE regulations, I demand that these above-mentioned derogatory items be investigated and permanently removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX E-Signature *Attach copy of ID and Utility bill
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX violated the Privacy Act of 1974, 15 USC 6805 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX. ( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of th is title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). ( Pub. L. 106102, title V, 503, Nov. 12, 1999, 113 Stat. 1439 ; Pub. L. 109351, title VI, 609, title VII, 728, Oct. 13, 2006, 120 Stat. 1983, 2003 ; Pub. L. 11494, div. G, title LXXV, 75001, Dec. 4, 2015, 129 Stat. 1787. ) 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. ( d ) Joint relationships. ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( XXXX ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( XXXX ) You may not require all joint consumers to opt out before you implement any opt out direction. ( XXXX ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you XXXX do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. ( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. [ 65 FR 33677, XX/XX/XXXX, as amended at 74 FR 62966, XXXX XXXX, XXXX ] 16 CFR 313 Privacy of Consumer 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. [ 40 FR 53506, XXXX XXXX, XXXX ; 40 FR XXXX, XXXX XXXX, XXXX ] 16 CFR 433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of XXXX ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. [ 42 FR 19490, Apr. 14, 1977, as amended at 42 FR 46510, Sept. 16, 1977 ] 16 CFR 424.1Unfair or deceptive acts or practices. In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets. [ 54 FR 35467, XXXX XXXX, 1989, as amended at 79 FR XXXX, XXXX XXXX, XXXX ] I WANT THE CFPB TO PUBLISH THIS DESCRIPTION ON CONSUMERFINANCE.GOV SO THAT OTHERS CAN LEARN FROM MY EXPERIENCE.
The CFPB will take steps to remove my personal information from this description but someone XXXX still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
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| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX, we determined that an outside individual gained unauthorized access and obtained certain types of personal information about XXXX XXXX credit card customers and individuals who had applied for our credit card products. On XXXX XXXXXXXX violated the Privacy Act of 1974, 15 USC 6805 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, of such financial institutions policies and practices with respect to ( XXXX ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section XXXX of this title, including the categories of information that XXXX be disclosed ; ( XXXX ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( XXXX ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section XXXX of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( XXXX ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section XXXX of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or the XXXX XXXX XXXX. ( XXXX ) Model forms ( XXXX ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( XXXX ) Format A model form developed under paragraph ( XXXX ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( XXXX ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( XXXX ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( XXXX ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of th is title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( XXXX ) or ( XXXX ). ( Pub. XXXX XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX ; Pub. XXXX XXXX, XXXX VI, XXXX, title XXXX, XXXX, XXXX XXXX, XXXX, XXXX Stat. XXXX, XXXX ; Pub. XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX. XXXX. ) XXXX XXXX XXXX XXXX of opt out notice to consumers ; opt out methods. ( a ) ( XXXX ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. ( d ) Joint relationships. ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction. ( XXXX ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( XXXX ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( XXXX ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. ( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. [ 65 FR 33677, May 24, 2000, as amended at 74 FR 62966, Dec. 1, 2009 ] 16 CFR 313 Privacy of Consumer 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( XXXX ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or deceptive acts or practices. In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets. [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ALL of these accounts, ALL of these hard inquiries, AND ALL of these soft inquiries, as well as anything else that is listed below ALL need to be removed COMPLETELY from my TransUnion credit report. I have contacted, and sent physical letters to TransUnion to have them removed but they never have been removed. I am a victim of fraud, and identity theft. ALL of these are NOT mine and they ARE fraudulent. These are not mine and I am requesting for them to removed since they are fraudulent.
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Account Name
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer Statement
Your TransUnion credit report contains the following consumer statements.
Statement Details
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION. PLEASE DO NOT PUT ANY HARD OR SOFT INQUIRIES, OR CREDIT CARD ACCOUNTS UNTIL YOU CONTACT MY CELL PHONE NUMBER AT XXXX VERIFYING WHETHER IT IS ME THAT DID APPLY FOR OR OPEN A CREDIT CARD ACCOUNT. I AM A VICTIM OF IDENTITY THEFT, FRAUD, AND UNAUTHORIZED ACTIVITIES THAT ARE CURRENTLY OR HAVE PREVIOUSLY BEEN PLACED ON MY CREDIT REPORT TRYING TO PROTECT MY IDENTITY, AND MY SAFETY WHEN IT COMES TO FRAUD, UNAUTHORIZED ACTIVITIES,, AND IDENTITY THEFT.
(Note: This statement has no expiration date.)
Found an inaccuracy on your credit report?
START A DISPUTE REQUEST ONLINE
Found something inaccurate on your credit report? Visit transunion.com/dispute to start a dispute online.
To add, remove, or modify a fraud alert, please visit transunion.com/fraud-alerts.
Credit Report Messages
Your credit report contains the following messages
Security Alert
Active Duty Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX.)
Security Alert
Initial Fraud Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX.)
Security Alert
Extended Fraud Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX.)
Security Freeze
Our records indicate that you have placed a credit freeze / security freeze or a lock on your TransUnion credit file. The credit information on this page has been delivered to you under the applicable exemption provisions: Providing a consumer with a copy of the consumer's credit report upon the consumer's request.
Promotional opt-out
This file has been opted out of promotional lists supplied by TransUnion.
(Note: This opt-out is set to expire in XXXX.)
The opt out on your file will remain in effect until the expiration date specified above, unless you request it to be made permanent. To permanently opt out of promotional lists provided by TransUnion, you must send us a signed "Notice of Election" form, which can be obtained by writing us or calling us aXXXX XXXX and speaking with a representative.
Additional Information
More Info +
Inquiry Analysis
More Info +
Name Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Auto Finance Inquiries in the Last 3 Months:
0
Auto Finance Inquiries in the Last 6 Months:
0
Auto Finance Inquiries in the Last 9 Months:
0
Auto Finance Inquiries in the Last 12 Months:
0
Auto Finance Inquiries in the Last 24 Months:
0
Auto Finance Inquiries in the Last 7 Years:
0
Cash Advance Inquiries in the Last 3 Months:
0
Cash Advance Inquiries in the Last 6 Months:
0
Cash Advance Inquiries in the Last 9 Months:
0
Cash Advance Inquiries in the Last 12 Months:
0
Cash Advance Inquiries in the Last 24 Months:
0
Cash Advance Inquiries in the Last 7 Years:
0
Misc Financial Services in the Last 7 Years:
2
Rent-to-Own Inquiries in the Last 3 Months:
0
Rent-to-Own Inquiries in the Last 6 Months:
0
Rent-to-Own Inquiries in the Last 9 Months:
0
Rent-to-Own Inquiries in the Last 12 Months:
0
Rent-to-Own Inquiries in the Last 24 Months:
0
Rent-to-Own Inquiries in the Last 7 Years:
0
All Alternative Credit Inquiries in the Last 3 months:
0
All Alternative Credit Inquiries in the Last 6 Months:
0
All Alternative Credit Inquiries in the Last 24 Months:
2
All Alternative Credit Inquiries in the Last 7 Years:
2
Paid Auto Finance Charge-offs in the Last 24 Months:
0
Paid Payday Loan Charge-offs in the Last 24 Months:
0
Paid Rent-to-Own Charge-offs in the Last 24 Months:
0
All Paid Charge-offs in the Last 3 Months:
0
All Paid Charge-offs in the Last 24 Months:
0
All Paid Charge-offs in the Last 7 Years:
0
Open Auto Finance Charge-offs in the Last 24 Months:
0
Open Payday Loan Charge-offs in the Last 24 months:
0
Open Rent-to-Own Charge-offs in the Last 24 Months:
0
All Open Charge-offs in the Last 3 Months:
0
All Open Charge-offs in the Last 6 Months:
0
All Open Charge-offs in the Last 9 Months:
0
All Open Charge-offs in the Last 12 Months:
0
All Open Charge-offs in the Last 24 Months:
0
All Open Charge-offs in the Last 7 Years:
0
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| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the creditreporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My former communications have been exceedingly courteous and kind to TransUnion, XXXX and XXXX and they have yet to fix the erroneous information, inaccurate accounts, and fraudulent information. Now, I am writing to set the record straight as I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. These companies are reporting inaccurate and/or incorrect information including but not limited to inaccurate addresses, phone numbers, names and inaccurate and/or fraud accounts on my behalf. This inaccurate information is defaming my character and causing my to suffer damages. I am requesting your assistance in having this inaccurate information removed forthwith.
While reviewing my credit report, I noticed that my name has been mystified with a credit file of someone with a similar name or names. My name is erroneously listed on my credit reports as " XXXX XXXX, I have no middle name, so there should NOT be a XXXX XXXX listed on my credit report. TO POINT OUT, my one and only correct name is XXXX XXXX. In addition, there is an inaccurate address on my credit report that I have never had any affiliation with or lived at. On top of this, there are fraudulent accounts that I did not open or authorize to be opened. This fraud information is defaming my character and causing me to suffer damages including but not limited to denial of employment and denial of residency based on my credit reports. DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. PLEASE VERIFY ALL IDENTIFYING INFORMATION.
Please be advised that my information has been leaked in a data breach. As a result, there has been some misuse of my information. To be specific, my information has been used to fraudulently obtain goods, services and open accounts. Therefore, I am writing to request an investigation, removal, and dispute of these unauthorized accounts, inquiries and information promptly. A credit investigation is supposed to involve reviewing documents, researching facts, interviewing witnesses, or comparing handwriting. During my previous dispute process, your company did NOT conduct a meaningful examination of the underlying facts, which is a mere violation of the Fair Credit Reporting Act. Your company did NOT properly review any documents, research facts, or interview any witnesses, such as family, associates and/or neighbors.
As previously mentioned, my identity information was leaked in a data breach. Please see the letter attached hereto advising that my information was leaked in a data breach. Moreover, XXXX announced a data breach that exposed the personal information of XXXX XXXX people. Unfortunately, I was one of those people. As can be seen, I am a victim of identity theft, my information has been used to fraudulently obtain service and open accounts.
Pursuant to 15 U.S. Code 1681b, permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer reports, no consent is identity theft. Thus, I am demanding that the following accounts, and information be removed from my credit report instantly.
Somebody fraudulently used my information and drove off a car dealership parking lot with a whole vehicle. The account associated with the fraudulent purchase is Account Name XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX - Account type : Auto Loan Status : Charge-off/Closed Amount : {$19000.00}. I have never obtained any goods or services at this facility/company. I did not open this account and I refuse to pay this debt. XXXX XXXXXXXX XXXX XXXX has been annoying me with an unreasonable amount of annoying phone calls. Pursuant to 15 USC 1692 ( d ) ( 5 ), causing a consumers telephone to ring in a manner in which is annoying to the consumer is a violation of the law. XXXX XXXX XXXX XXXX has been threatening to sue me over this fraud debt. Pursuant to 15 USC 1692 ( e ) ( 5 ), threatening to sue a consumer is a violation of the law. Pursuant to 15 USC 1692 ( E ) ( 10 ), using deceptive means to coerce a consumer into paying a debt is a violation of the law. I am not sure what legal authority you have to disclose this information. This account is invalid and/or inaccurate. Under 15 U.S.C. 1681i ( 7 ), method of verification, this account is in violation it was reported without valid evidence. I did not provide any written, oral or informed consent for this account to be opened. This is obviously a systemic issue or fraud. Again, I had no knowledge of this account and it appears to be fraud. I have been getting harassing phone calls in the wee hours of the night with regard to the account with XXXX XXXX XXXX XXXX According to US 1692c, a debt collector shall assume that the convenient time for communicating with a consumer is after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, local time at the consumers location. I sent XXXX XXXX XXXX XXXX a cease and desist letter. I did not authorize XXXX XXXX XXXX XXXX or any XXXX party to contact me : therefore, any communication is a violation of US 1692.c. In any event, the reporting requirements do NOT comply with FCRA 611 and/or 15 U.S.C. 1681 and the information must be deleted immediately. Please dispute, suppress, block and remove Account Name : XXXX XXXX XXXX XXXX - Account number : XXXX Date opened : XX/XX/XXXX - Account type : Auto Loan Status : Charge-off/Closed Amount : {$19000.00} from my credit report immediately.
I need the above account and below information removed and deleted forthwith. Pursuant to 15 U.S.C 1681 ( b ), furnishing a consumer report without the consent of the consumer is a violation of the law. Pursuant to 15 U.S. Code 1681b, permissible purposes of consumer reports, I never gave any credit bureau any written consent to report anything on my consumer reports, no consent is identity theft. Thus, I am demanding that the following accounts, and information be removed from my credit report without delay.
Currently, there are countless fraudulent addresses on my credit report that I have no knowledge of, the fraudulent addresses are listed on my credit report as follows : At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX ( APARTMENT UNIT IS MISSING and/or inaccurate ), I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX, CA XXXX, I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX, I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX - ( address is wrong by one number and/or inaccurate ) I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX - ( address is wrong by XXXX number and/or inaccurate ), I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX # A XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, NV XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXXXXXX XXXX XXXXXXXX, CA XXXX At no point in my life have I ever lived at or been associated with XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
At no point in my life have I ever lived at or been associated with XXXX XXXX XXXX XXXX XXXX, CA XXXX I have no knowledge, recognition or affiliation of/with this address.
Please remove these addresses immediately. I have no knowledge or affiliation with any of these addresses.
I am not employed with XXXX XXXX, and I have never been employed with this company so I am confused as to why this information is on my credit report. Please remove forthwith.
I am not employed with XXXX XXXX, and I have never been employed with this company so I am confused as to why this information is on my credit report. Please remove forthwith.
I am not employed with XXXX XXXX XXXX and I have never been employed with this company so I am confused as to why this information is on my credit report. Please remove forthwith.
There are XXXX wrong phone numbers listed on my credit report as : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Please remove these unknown numbers from my credit report.
There are some unauthorized inquiries that I did not perform or authorize to be performed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All of these inquiry requests occurred without my consent and I did not initiate these inquires. By the same token, I did not provide any written, oral or informed consent for my credit report to be checked by any of these companies. Please investigate remove, dispute, block and delete these unauthorized inquires from my credit report as they are defaming my character. Please remove these unauthorized inquiries immediately.
Over the past several months, I have tried to resolve these issues, but to no avail. Enclosed is documentation regarding my identity theft.
According to US 1692c, without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
According to 15 U.S. Code 1692c ( b ), without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
According to 15 U.S. Code 1692c ( c ), If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; Pursuant to the Fair Credit Reporting Act, creditors are required to furnish accurate and complete information to the credit bureaus. As you know, identity thieves are known to use other peoples ID and Social Security numbers and leave victims to handle the situation. To repeat, these transactions occurred WITHOUT my permission.
In any situation, it is hampering my reputation and I am unable to obtain new credit. In addition, I have been getting denied for employment, having difficulty purchasing a car, and trouble getting approved for a place to live.
Pursuant to the Fair Credit Reporting Act, creditors are required to furnish accurate and complete information to the credit bureaus. As can be seen, these unapproved inquiries are harming my ability to obtain new credit. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.
Again, furnishing a consumer report without the consent of the consumer is a violation of the law pursuant to Pursuant to 15 U.S.C 1681 ( b ). I am requesting removal, suppression, deletion and/or dispute of the below mentioned from my credit report, which are the result of me being a victim of identity theft. Please update me with a full report on your findings within the next 20 days. I look forward to having this situation rectified as soon as possible. Supporting documents are enclosed with this letter. After removal of these unauthorized accounts please send the notices required by the FCRA to all furnishers of the blocked information.
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| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ALL of these accounts, ALL of these hard inquiries, AND ALL of these soft inquiries, as well as anything else that is listed below ALL need to be removed COMPLETELY from my TransUnion credit report. I have contacted, and sent physical letters to TransUnion to have them removed but they never have been removed. I am a victim of fraud, and identity theft. ALL of these are NOT mine and they ARE fraudulent. These are not mine and I am requesting for them to removed since they are fraudulent.
Accounts
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Satisfactory Accounts
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Account Name
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer Statement
Your TransUnion credit report contains the following consumer statements.
Statement Details
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION. PLEASE DO NOT PUT ANY HARD OR SOFT INQUIRIES, OR CREDIT CARD ACCOUNTS UNTIL YOU CONTACT MY CELL PHONE NUMBER AT XXXX VERIFYING WHETHER IT IS ME THAT DID APPLY FOR OR OPEN A CREDIT CARD ACCOUNT. I AM A VICTIM OF IDENTITY THEFT, FRAUD, AND UNAUTHORIZED ACTIVITIES THAT ARE CURRENTLY OR HAVE PREVIOUSLY BEEN PLACED ON MY CREDIT REPORT TRYING TO PROTECT MY IDENTITY, AND MY SAFETY WHEN IT COMES TO FRAUD, UNAUTHORIZED ACTIVITIES,, AND IDENTITY THEFT.
(Note: This statement has no expiration date.)
Found an inaccuracy on your credit report?
START A DISPUTE REQUEST ONLINE
Found something inaccurate on your credit report? Visit transunion.com/dispute to start a dispute online.
To add, remove, or modify a fraud alert, please visit transunion.com/fraud-alerts.
Credit Report Messages
Your credit report contains the following messages
Security Alert
Active Duty Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX.)
Security Alert
Initial Fraud Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX.)
Security Alert
Extended Fraud Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX)
Security Freeze
Our records indicate that you have placed a credit freeze / security freeze or a lock on your TransUnion credit file. The credit information on this page has been delivered to you under the applicable exemption provisions: Providing a consumer with a copy of the consumer's credit report upon the consumer's request.
Promotional opt-out
This file has been opted out of promotional lists supplied by TransUnion.
(Note: This opt-out is set to expire in XXXX.)
The opt out on your file will remain in effect until the expiration date specified above, unless you request it to be made permanent. To permanently opt out of promotional lists provided by TransUnion, you must send us a signed "Notice of Election" form, which can be obtained by writing us or calling us at XXXX and speaking with a representative.
Additional Information
More Info +
Inquiry Analysis
More Info +
Name Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Auto Finance Inquiries in the Last 3 Months:
0
Auto Finance Inquiries in the Last 6 Months:
0
Auto Finance Inquiries in the Last 9 Months:
0
Auto Finance Inquiries in the Last 12 Months:
0
Auto Finance Inquiries in the Last 24 Months:
0
Auto Finance Inquiries in the Last 7 Years:
0
Cash Advance Inquiries in the Last 3 Months:
0
Cash Advance Inquiries in the Last 6 Months:
0
Cash Advance Inquiries in the Last 9 Months:
0
Cash Advance Inquiries in the Last 12 Months:
0
Cash Advance Inquiries in the Last 24 Months:
0
Cash Advance Inquiries in the Last 7 Years:
0
Misc Financial Services in the Last 7 Years:
2
Rent-to-Own Inquiries in the Last 3 Months:
0
Rent-to-Own Inquiries in the Last 6 Months:
0
Rent-to-Own Inquiries in the Last 9 Months:
0
Rent-to-Own Inquiries in the Last 12 Months:
0
Rent-to-Own Inquiries in the Last 24 Months:
0
Rent-to-Own Inquiries in the Last 7 Years:
0
All Alternative Credit Inquiries in the Last 3 months:
0
All Alternative Credit Inquiries in the Last 6 Months:
0
All Alternative Credit Inquiries in the Last 24 Months:
2
All Alternative Credit Inquiries in the Last 7 Years:
2
Paid Auto Finance Charge-offs in the Last 24 Months:
0
Paid Payday Loan Charge-offs in the Last 24 Months:
0
Paid Rent-to-Own Charge-offs in the Last 24 Months:
0
All Paid Charge-offs in the Last 3 Months:
0
All Paid Charge-offs in the Last 24 Months:
0
All Paid Charge-offs in the Last 7 Years:
0
Open Auto Finance Charge-offs in the Last 24 Months:
0
Open Payday Loan Charge-offs in the Last 24 months:
0
Open Rent-to-Own Charge-offs in the Last 24 Months:
0
All Open Charge-offs in the Last 3 Months:
0
All Open Charge-offs in the Last 6 Months:
0
All Open Charge-offs in the Last 9 Months:
0
All Open Charge-offs in the Last 12 Months:
0
All Open Charge-offs in the Last 24 Months:
0
All Open Charge-offs in the Last 7 Years:
0
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| 09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, XXXX Circuit, No. XXXX, XXXX XXXX XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/2019 ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/XXXX. By : XXXX XXXX Incorrect erroneous Accounts : 1. XXXX XXXX 2. XXXX XXXX XXXX 3. XXXX XXXX XXXX Inquires : I haven't applied for any credit for inquiries to be listed on my credit report. The inquiries are fraudulent and i have explained it several times in recent letters and have been denied. I haven't received any wet signatures nor original documents showing any evidence of inquiries or my signature on any documents. By law the inquiries should and needs to be remove immediately following the investigation. I will be following up by thursday to see or hear the status of my investigation. My rights as a consumer is to investigate and make sure that my credit file is secured and not being used by crooks, nor have i given any creditors nor credit bureaus authority to use my name or add any inquires onto my credit without contacting me.
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| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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ID FOR COMPLAINT SENT TO TRANSUNION CONSUMER SOLUTIONS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX ) XXXX XXXX AMENDED Consumer Financial Protection Bureau has XXXX XXXX XX/XX/XXXX ID FOR COMPLAINT SENT TO TRANSUNION CONSUMER SOLUTIONS XXXX Whereas I, XXXX XXXX XXXX, have never received any written consent or properly certified documents and/or notifications sent to me. I Do Not consent or never consented and I have no knowledge of any such consent.
TransUnion, a consumer reporting agency, identifies XXXX XXXX XXXX XXXX as the data furnisher responsible for providing commercial information to my consumer report.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
15 U.S. Code 3412. Use of information ( a ) Transfer of financial records to other agencies or departments ; certification Financial records originally obtained pursuant to this chapter shall not be transferred to another agency or department unless the transferring agency or department certifies in writing that there is reason to believe that the records are relevant to a legitimate law enforcement inquiry, or intelligence or counterintelligence activity, investigation or analysis related to international terrorism within the jurisdiction of the receiving agency or department TransUnion is also claiming that the consumer report is accurate and claims that the data furnisher has previously verified the unknown addresses and employment. I do not have any such knowledge of any third party data furnisher. TransUnion intent is to operate unfairly, deceptive or abusive 12 USC 5531. TransUnion has reported false claims, records on my consumer reports.
15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
31 USC 3729 : False claims effect on XX/XX/XXXX WHEREAS : TransUnion, knowingly makes, uses, or causes to be made or used, a false record or statement material to an obligation to pay or transmit money or property to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an obligation to pay or transmit money or property to the Government.
3729. False claims ( a ) Liability for Certain Acts.- ( 1 ) In general.-Subject to paragraph ( 2 ), any person who- ( A ) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval ; ( B ) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim ; ( C ) conspires to commit a violation of subparagraph ( A ), ( B ), ( D ), ( E ), ( F ), or ( G ) ; ( D ) has possession, custody, or control of property or money used, or to be used, by the Government and knowingly delivers, or causes to be delivered, less than all of that money or property ; ( E ) is authorized to make or deliver a document certifying receipt of property used, or to be used, by the Government and, intending to defraud the Government, makes or delivers the receipt without completely knowing that the information on the receipt is true ; ( F ) knowingly buys, or receives as a pledge of an obligation or debt, public property from an officer or employee of the Government, or a member of the Armed Forces, who lawfully may not sell or pledge property ; or ( G ) knowingly makes, uses, or causes to be made or used, a false record or statement material to an obligation to pay or transmit money or property to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an obligation to pay or transmit money or property to the Government, 12 USC 5531 : Prohibiting unfair , deceptive, or abusive acts or practices Text contains those laws in effect on XX/XX/XXXX TransUnion intent is Unfair, XXXX, or abusive acts and practices ( UDAAPs ) can cause significant financial injury to consumers, erode consumer confidence, and undermine the financial marketplace. Under The XXXX XXXX, it is unlawful for any provider of consumer financial products or services or a service provider to engage in any unfair, deceptive or abusive act or practice. The Act also provides CFPB with rule-making authority and, with respect to entities within its jurisdiction, enforcement authority to prevent unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. In addition, CFPB has supervisory authority for detecting and assessing risks to consumers and to markets for consumer financial products and services.
12 U.S.C 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited No financial institution, or officer, employees, or agent of a financial institution, may provide to any Government authority access to or copies of, or the information contained in, the financial records of any customer except in accordance with the provisions of this chapter.
( b ) Release of records upon certification of compliance with chapter A financial institution shall not release the financial records of a customer until the Government authority seeking such records certifies in writing to the financial institution that it has complied with the applicable provisions of this chapter.
( c ) Notification to Government authority of existence of relevant information in records Nothing in this chapter shall preclude any financial institution, or any officer, employee, or agent of a financial institution, from notifying a Government authority that such institution, or officer, employee, or agent has information which may be relevant to a possible violation of any statute or regulation. Such information may include only the name or other identifying information concerning any individual, corporation, or account involved in and the nature of any suspected illegal activity. Such information may be disclosed notwithstanding any constitution, law, or regulation of any State or political subdivision thereof to the contrary. Any financial institution, or officer, employee, or agent thereof, making a disclosure of information pursuant to this subsection, shall not be liable to the customer under any law or regulation of the United States or any constitution, law, or regulation of any State or political subdivision thereof, for such disclosure or for any failure to notify the customer of such disclosure.
( d ) Release of records as incident to perfection of security interest, proving a claim in bankruptcy, collecting a debt, or processing an application with regard to a Government loan, loan guarantee, etc.
( 1 ) Nothing in this chapter shall preclude a financial institution, as an incident to perfecting a security interest, proving a claim in bankruptcy, or otherwise collecting on a debt owing either to the financial institution itself or in its role as a fiduciary, from providing copies of any financial record to any court or Government authority.
( 2 ) Nothing in this chapter shall preclude a financial institution, as an incident to processing an application for assistance to a customer in the form of a Government loan, loan guaranty, or loan insurance agreement, or as an incident to processing a default on, or administering, a Government guaranteed or insured loan, from initiating contact with an appropriate Government authority for the purpose of providing any financial record necessary to permit su
ch authority to carry out its responsibilities under a loan, loan guaranty, or loan insurance agreement.
( Pub. L. 95630, title XI, 1103, Nov. 10, 1978, 92 Stat. 3698 ; Pub. L. 99570, title I, 1353 ( a ), Oct. 27, 1986, 100 Stat. 320721 ; Pub. L. 100690, title VI, 6186 ( a ), Nov. 18, 1988, 102 Stat. 4357. ) 15 U.S. Code 3412. Use of information ( a ) Transfer of financial records to other agencies or departments ; certification Financial records originally obtained pursuant to this chapter shall not be transferred to another agency or department unless the transferring agency or department certifies in writing that there is reason to believe that the records are relevant to a legitimate law enforcement inquiry, or intelligence or counterintelligence activity, investigation or analysis related to international terrorism within the jurisdiction of the receiving agency or department.
( b ) Mailing of copy of certification and notice to customer When financial records subject to this chapter are transferred pursuant to subsection ( a ), the transferring agency or department shall, within fourteen days, send to the customer a copy of the certification made pursuant to subsection ( a ) and the following notice, which shall state the nature of the law enforcement inquiry with reasonable specificity : " Copies of, or information contained in, your financial records lawfully in possession of have been furnished to pursuant to the Right of Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ] for the following purpose :. If you believe that this transfer has not been made to further a legitimate law enforcement inquiry, you may have legal rights under the Financial Privacy Act of 1978 or the Privacy Act of 1974 [ 5 U.S.C. 552a ]. '' ( c ) Court-ordered delays in mailing Notwithstanding subsection ( b ), notice to the customer may be delayed if the transferring agency or department has obtained a court order delaying notice pursuant to section 3409 ( a ) and ( b ) of this title and that order is still in effect, or if the receiving agency or department obtains a court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title. Upon the expiration of any such period of delay, the transferring agency or department shall serve to the customer the notice specified in subsection ( b ) and the agency or department that obtained the court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title shall serve to the customer the notice specified in section 3409 ( b ) of this title.
( d ) Exchanges of examination reports by supervisory agencies ; transfer of financial records to defend customer action ; withholding of information Nothing in this chapter prohibits any supervisory agency from exchanging examination reports or other information with another supervisory agency. Nothing in this chapter prohibits the transfer of a customer 's financial records needed by counsel for a Government authority to defend an action brought by the customer. Nothing in this chapter shall authorize the withholding of information by any officer or employee of a supervisory agency from a duly authorized committee or subcommittee of the Congress.
( e ) Exchange of records, reports, or other information Notwithstanding section 3401 ( 6 ) 1 of this title or any other provision of law, the exchange of financial records, examination reports or other information with respect to a financial institution, holding company, or any subsidiary of a depository institution or holding company, among and between the five member supervisory agencies of the Federal Financial Institutions Examination Council, the Securities and Exchange Commission, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Bureau of Consumer Financial Protection is permitted.
NOTICE OF WILLFUL NONCOMPLIANCE I am seeking Civil liability for willful noncompliance : TransUnion, 1 violation per month 43 x 7 = 50 X 10 Civil liability for willful noncompliance. {$1000.00} per violation. {$50000.00} X 10 = {$500000.00} Total {$500000.00} Update my consumer report and Civil liability for willful noncompliance {$1000.00} per violation.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; False Claims Act penalties for 2023 31 USC 3729 : False claims Text contains those laws in effect on XX/XX/XXXX XXXX. False claims ( a ) Liability for Certain Acts.- ( 1 ) In general.-Subject to paragraph ( 2 ), any person who- ( A ) knowingly presents, or causes to be presented, a false or fraudulent claim for payment or approval ; ( B ) knowingly makes, uses, or causes to be made or used, a false record or statement material to a false or fraudulent claim ; ( C ) conspires to commit a violation of subparagraph ( A ), ( B ), ( D ), ( E ), ( F ), or ( G ) ; ( D ) has possession, custody, or control of property or money used, or to be used, by the Government and knowingly delivers, or causes to be delivered, less than all of that money or property ; ( E ) is authorized to make or deliver a document certifying receipt of property used, or to be used, by the Government and, intending to defraud the Government, makes or delivers the receipt without completely knowing that the information on the receipt is true ; ( F ) knowingly buys, or receives as a pledge of an obligation or debt, public property from an officer or employee of the Government, or a member of the Armed Forces, who lawfully may not sell or pledge property ; or ( G ) knowingly makes, uses, or causes to be made or used, a false record or statement material to an obligation to pay or transmit money or property to the Government, or knowingly conceals or knowingly and improperly avoids or decreases an obligation to pay or transmit money or property to the Government, is liable to the United States Government for a civil penalty of not less than {$5000.00} and not more than {$10000.00}, as adjusted by the Federal Civil Penalties Inflation Adjustment Act of 1990 ( 28 U.S.C. 2461 note ; Public Law 104-410 ), plus 3 times the amount of damages which the Government sustains because of the act of that person.
2023 False Claims Act Penalties {$13000.00} to {$27000.00} On XX/XX/XXXX DOJ adjusted False Claims Act penalties for XXXX and beyond. 88 FR 5776..
As a result, after XX/XX/XXXX False Claims Act Penalties, for conduct after XX/XX/XXXX, will be from {$13000.00} to {$27000.00}.
= {$500000.00} + False Claims Act Penalties X XXXX = {>= $1,000,000}
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| 02/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The Following accounts listed below do not belong to me or are part of my Fraud Case which I have provided documentation several times. Please Delete the following accounts listed below due to it being Inaccurately Reporting on my credit report.
XXXX TransUnion XXXX XXXX Account # : -- -- XXXX High Balance : -- -- {$5600.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$5600.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes after resolution Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$5600.00} Account Type : -- -- Collection Payment Frequency : -- -- -- Credit Limit : -- -- -- XXXX TransUnion XXXX XXXX Account # XXXX -- -- XXXX High Balance : -- -- {$4100.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$4100.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account disputed Creditor Type : -- -- Factoring Companies Account Status : -- -- Open Payment Status : -- -- Late 120 Days Creditor Remarks : -- -- Consumer disputes after resolution Collection account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$4100.00} Account Type : -- -- Collection Payment Frequency : -- -- -- Credit Limit : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$3300.00} {$3300.00} {$3300.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3300.00} {$3300.00} {$3300.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Account information disputed by consumer , meets FCRA requirements Customer disputed account - reported by subscriber.
Consumer disputes this account information Subject has not satisfied debt.
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$4100.00} {$4100.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$4100.00} {$4100.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
-- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$5600.00} {$5600.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$5600.00} {$5600.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
-- Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX TransUnion XXXX XXXX Account # : -- -- XXXX High Balance : -- -- {$3400.00} Last Verified : -- -- -- Date of Last Activity : -- -- XX/XX/XXXX Date Reported : -- -- XX/XX/XXXX Date Opened : -- -- XX/XX/XXXX Balance Owed : -- -- {$0.00} Closed Date : -- -- -- Account Rating : -- -- Derogatory Account Description : -- -- Individual Dispute Status : -- -- Account not disputed Creditor Type : -- -- All Banks Account Status : -- -- Closed Payment Status : -- -- Collection/Chargeoff Creditor Remarks : -- -- Account transferred or sold Charged off account Payment Amount : -- -- {$0.00} Last Payment : -- -- XX/XX/XXXX Term Length : -- -- -- Past Due Amount : -- -- {$0.00} Account Type : -- -- -- Payment Frequency : -- -- -- Credit Limit : -- -- XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX -- -- High Balance : {$3900.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$0.00} -- -- Closed Date : XXXX -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Bank -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Charged off as bad debt Purchased by another lender -- -- Payment Amount : {$0.00} -- -- Last Payment : XX/XX/XXXX -- -- Term Length : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : Credit Card -- -- Payment Frequency : -- -- -- Credit Limit : {$3500.00} -- -- XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$4600.00} {$0.00} {$3400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Purchased by another lender Subscriber reports dispute resolved - consumer disagrees.
Unpaid balance reported as a loss by credit grantor.
-- Consumer disputes after resolution Amount in high credit original charge-off amount Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Flexible spending credit card Credit Card XXXX XXXX Frequency : -- -- -- Credit Limit : {$4600.00} {$4600.00} -- XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX High Balance : {$5600.00} {$0.00} {$4900.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
-- Charged off account Amount in high credit original charge-off amount Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Flexible spending credit card Credit Card XXXX Payment Frequency : -- -- -- Credit Limit : {$5000.00} {$5000.00} -- XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX High Balance : {$6200.00} {$0.00} {$5600.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$5600.00} {$5600.00} {$5600.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Amount in high credit original charge-off amount Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$5600.00} {$5600.00} {$5600.00} Account Type : Credit Card Credit Card XXXX Payment Frequency : -- -- -- Credit Limit : {$5000.00} {$5000.00} -- XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$6600.00} {$0.00} {$6600.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$6600.00} {$6600.00} {$6600.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Dispute resolved ; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Credit card Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$6600.00} {$6600.00} {$6600.00} Account Type : Credit Card Credit Card Credit Card Payment Frequency : -- -- -- Credit Limit : {$5700.00} {$5700.00} -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX -- -- High Balance : {$0.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$0.00} -- -- Closed Date : XXXX -- -- Account Rating : Closed -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : XXXX XXXX XXXX -- Account Status : Closed -- -- Payment Status : Current -- -- Creditor Remarks : Credit card lost or stolen -- -- Payment Amount : {$0.00} -- -- Last Payment : -- -- Term Length : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : Credit Card -- -- Payment Frequency : -- -- -- Credit Limit : {$5000.00} -- -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$4900.00} {$0.00} {$3300.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Credit Union Credit Card - Credit Union National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
Account transferred or sold Charged off account Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$5000.00} {$5000.00} -- XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$11000.00} {$0.00} {$11000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$11000.00} {$11000.00} {$11000.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$11000.00} {$11000.00} {$11000.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$10000.00} {$10000.00} -- XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$7200.00} {$0.00} {$810.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$810.00} {$810.00} {$810.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$810.00} {$810.00} {$810.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$500.00} {$500.00}--
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| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I disputed several things on my account that are still reporting and should not be reporting and violates the FCRA.
15 U.S. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. As you can see there is a need to protect your right to privacy. Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. The term consumer means an individual. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates. They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. If you chose to list that in your complaint YOU MUST provide the information listed above. Identity theft reports can be filed with the Federal Trade Commission on their website 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least 1,000 $ per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time. Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law. 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. Those are a few violations of the Fair Credit Reporting Act that you can use in your complaint against not only the reporting agencies but the furnisher of that information to them. Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 Opt Out Laws PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope. ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15. Every company owes you a privacy notice before they furnish any information to our consumer report 12 CFR 1016.4 Initial privacy notice to consumers required. ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( i ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Once again they must give you an opt out notice for anything that is to be added to your consumer report. 15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, According to the laws above the only thing that should be on my report is what I tell them to report plain and simple which all negative accounts on my report shall be removed.
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| 09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have suffered a breach not to long ago and in the past. I am also a victim of identity theft. I have suffered tremendous pain through my financial health along with my physical health disabling me to live my life. It has cause my XXXX XXXX to shift and i am no longer in a great XXXX state of mind. Your unprofessionalism and your incriminating actions and violating my rights as a consumer can place you in hot water according to the FCRA, FACTA, MIB, and all other credit rights/violations that who have violated dealing with my credit file. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), some of the accounts were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, XXXX Circuit, No. XXXX, Nelson vs. Chase Manhattan for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within five ( 5 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim Nathalie Pierre 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/XXXX.
inaccurate erroneous fraudulent accounts : 1. XXXX XXXX XXXX {$380.00} 2. XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX {$10.00}, XXXX XXXX. XXXX XXXX XXXX XXXX - {$16.00}, XXXX.
FRADULENT INQUIRIES/INACCURATE/ERRONEOUS : XXXX XXXX XX/XX/XXXX. 2. XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX. XXXX, XXXX. 4. XXXX XXXX XXXX, XXXX 5. XXXX XX/XX/XXXX.
I NEVER LIVED AT THE ADDRESS AND ANY ACCOUNTS ASSOCIATED WITH THE ADDRESS SHOULD BE TERMINATED AS I STATED IN THE LETTERS I SENT OUT SOMETIME IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I DON'T SEE THE REASON WHY I DIDN'T RECEIVE ANY DOCUMENTATIONS SHOWING ME THAT I OWE A DEBT, THERE IS NO WAY A DEBT CAN BE VERIFIED IF THE BUREAU DIDN'T PROVIDE ANY DOCUMENTS NOR VALID STEPS AS TO HOW THE PROCEDURE OF OBTAINING THIS INFORMATION ALONG WITH THE ORIGINAL DOCUMENTS IN WET SIGNATURE WASN'T SENT. THIS IS CLEARLY A VIOLATION OF MY RIGHTS AND I WILL STAND UP FOR MY RIGHTS.
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| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
It has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX violated the Privacy Act of 1974, 15 USC 6805 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.
( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX.
( XXXX ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.
( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.
( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX.
( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.
( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of th is title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).
( Pub. L. 106102, title V, 503, Nov. 12, 1999, 113 Stat. 1439 ; Pub. L. 109351, title VI, 609, title VII, 728, Oct. 13, 2006, 120 Stat. 1983, 2003 ; Pub. L. 11494, div. G, title LXXV, 75001, Dec. 4, 2015, 129 Stat. 1787. ) 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( XXXX ) XXXX. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you XXXX do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you XXXX not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) XXXX XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you XXXX only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9.
( i ) Model privacy form. Pursuant to XXXX ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part.
[ XXXX FR XXXX, XX/XX/XXXX, as amended at XXXX FR XXXX, XXXX XXXX, XXXX ] XXXX XXXX XXXX Privacy of Consumer XXXX XXXX XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ XXXX FR XXXX, XXXX XXXX, XXXX ; XXXX FR XXXX, XXXX XXXX, XXXX ] XXXX XXXX XXXX Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of XXXX ( a ).
( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of XXXX XXXX part XXXX with respect to such contract provided the contract does not cut off consumers ' claims and defenses.
( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1.
( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.
( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract.
[ XXXX FR XXXX, XXXX. XXXX, XXXX, as amended at XXXX XXXX XXXX, XXXX XXXX, XXXX ] XXXX CFR XXXX or deceptive acts or practices.
In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets.
[ XXXX FR XXXX, XXXX XXXX, XXXX, as amended at XXXX XXXX XXXX, XXXX XXXX, XXXX ]
|
| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : CB/LNBRYANT ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/XXXX, Transunion had a data breach exposing my information. XXXX violated the Privacy Act of 1974, 15 USC 6805 ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers. ( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title. ( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title. ( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer. ( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section. ( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, the XXXX XXXX XXXX XXXX XXXXXXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX. ( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section. ( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font. ( XXXX ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XX/XX/XXXX. ( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section. ( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of th is title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ). ( Pub. L. 106102, title V, 503, Nov. 12, 1999, 113 Stat. 1439 ; Pub. L. 109351, title VI, 609, title VII, 728, Oct. 13, 2006, 120 Stat. 1983, 2003 ; Pub. L. 11494, div. G, title LXXV, 75001, Dec. 4, 2015, 129 Stat. 1787. ) 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. ( d ) Joint relationships. ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction. ( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) XXXX XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. ( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. [ 65 FR 33677, May 24, 2000, as amended at 74 FR 62966, Dec. 1, 2009 ] 16 CFR 313 Privacy of Consumer 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. [ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] 16 CFR 433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. [ 42 FR 19490, Apr. 14, 1977, as amended at 42 FR 46510, Sept. 16, 1977 ] 16 CFR 424.1Unfair or deceptive acts or practices. In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets. [ 54 FR 35467, Aug. 28, 1989, as amended at 79 FR 70056, Nov. 25, 2014 ]
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| 06/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On or about XX/XX/XXXX accepted by XXXX, XXXX and TransUnion.
USPS Certified Mail-XXXXXXXX Tracking NoXXXXXXXX XXXXXXXX XXXX XXXX XXXXAccepted USPS Certified Mail-XXXX Tracking No.XXXX XXXX XXXX XXXX XXXXAccepted USPS Certified Mail-TransUnion Tracking NoXXXX XXXX XXXX XXXX XXXXAccepted NOTICE OF WILLFUL NONCOMPLIANCE WHEREAS, XXXX, XXXX and TransUnion, have not updated all of my personal information, addresses, employment and have not deleted the inaccurate errored items. In addition XXXX, XXXX and TransUnion, are willfully, attempting to mislead information and/or intimidate, undermine my ability to operate in commerce, by adding unauthorized transactions, of commercial information, and new items to my consumer report when under investigation, without written consent. I have not received any mailed copy of certification and/or notice. In accordance with 12 U.S. Code 3412 Use of Information, and with the Fair Credit Reporting Act 15 U.S. Code 1681, I have the right to privacy, also in accordance with 15 U.S. Code 6802, No financial institution may not disclose any nonpublic personal information without my written consent to any third party.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( f ) Reinvestigation requirement applicable to resellers ( 1 ) Exemption from general reinvestigation requirement Except as provided in paragraph ( 2 ), a reseller shall be exempt from the requirements of this section.
( 2 ) Action required upon receiving notice of a dispute If a reseller receives a notice from a consumer of a dispute concerning the completeness or accuracy of any item of information contained in a consumer report on such consumer produced by the reseller, the reseller shall, within 5 business days of receiving the notice, and free of charge ( A ) determine whether the item of information is incomplete or inaccurate as a result of an act or omission of the reseller; and ( B ) if ( i ) the reseller determines that the item of information is incomplete or inaccurate as a result of an act or omission of the reseller, not later than 20 days after receiving the notice, correct the information in the consumer report or delete it; or ( ii ) if the reseller determines that the item of information is not incomplete or inaccurate as a result of an act or omission of the reseller, convey the notice of the dispute, together with all relevant information provided by the consumer, to each consumer reporting agency that provided the reseller with the information that is the subject of the dispute, using an address or a notification mechanism specified by the consumer reporting agency for such notices.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681s2 -Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 3412. Use of information ( a ) Transfer of financial records to other agencies or departments ; certification Financial records originally obtained pursuant to this chapter shall not be transferred to another agency or department unless the transferring agency or department certifies in writing that there is reason to believe that the records are relevant to a legitimate law enforcement inquiry, or intelligence or counterintelligence activity, investigation or analysis related to international terrorism within the jurisdiction of the receiving agency or department.
( b ) Mailing of copy of certification and notice to customer When financial records subject to this chapter are transferred pursuant to subsection ( a ), the transferring agency or department shall, within fourteen days, send to the customer a copy of the certification made pursuant to subsection ( a ) and the following notice, which shall state the nature of the law enforcement inquiry with reasonable specificity : " Copies of, or information contained in, your financial records lawfully in possession of have been furnished to pursuant to the Right of Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ] for the following purpose :. If you believe that this transfer has not been made to further a legitimate law enforcement inquiry, you may have legal rights under the Financial Privacy Act of 1978 or the Privacy Act of 1974 [ 5 U.S.C. 552a ]. '' ( c ) Court-ordered delays in mailing Notwithstanding subsection ( b ), notice to the customer may be delayed if the transferring agency or department has obtained a court order delaying notice pursuant to section 3409 ( a ) and ( b ) of this title and that order is still in effect, or if the receiving agency or department obtains a court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title. Upon the expiration of any such period of delay, the transferring agency or department shall serve to the customer the notice specified in subsection ( b ) and the agency or department that obtained the court order authorizing a delay in notice pursuant to section 3409 ( a ) and ( b ) of this title shall serve to the customer the notice specified in section 3409 ( b ) of this title.
( d ) Exchanges of examination reports by supervisory agencies ; transfer of financial records to defend customer action ; withholding of information Nothing in this chapter prohibits any supervisory agency from exchanging examination reports or other information with another supervisory agency. Nothing in this chapter prohibits the transfer of a customer 's financial records needed by counsel for a Government authority to defend an action brought by the customer. Nothing in this chapter shall authorize the withholding of information by any officer or employee of a supervisory agency from a duly authorized committee or subcommittee of the Congress.
( e ) Exchange of records, reports, or other information Notwithstanding section 3401 ( 6 ) 1 of this title or any other provision of law, the exchange of financial records, examination reports or other information with respect to a financial institution, holding company, or any subsidiary of a depository institution or holding company, among and between the five member supervisory agencies of the Federal Financial Institutions Examination Council, the Securities and Exchange Commission, the Federal Trade Commission, the Commodity Futures Trading Commission, and the Bureau of Consumer Financial Protection is permitted.
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| 09/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hello I WANT TO CLAIM AND VERIFY ALL THESE ADDRESSES AND ACCOUNTS ON MY CREDIT REPORT ARE MINE I VALIDATE ALL DEBT AND ADDRESSES FOR ACCOUNTS BELOW I MADE A MISTAKE LAST MONTH AND FILED THESE WHERE NOT MY ACCOUNTS THESE ARE ALL ACCURATE MARKINGS ON MY CREDIT REPORT REPORT AND SHOULD NOT BE REMOVED. PLEASE ADD THESE ACCOUNTS AS VERFIED AND MINE TO MY CREDIT REPORTS ALL INFORMATION IS MINE AND I CERTIFY TO BE CORRECT IT SHOULD BE ON MY CREDIT REPORT ALL BELOW ADDRESS, INQUIRES AND ACCOUNTS ARE MINE!
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XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX Personal Loans Cos.
XX/XX/XXXX XXXX Finance Reseller XX/XX/XXXX XXXX XXXX XXXX Personal Loans Cos.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Cos.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Services, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX, Not Elsewhere Classified XX/XX/XXXX XXXX XXXX XXXX XXXX Bulk Purchase Finance XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus XX/XX/XXXX XXXX XXXX XXXX XXXX Bulk Purchase Finance - General XX/XX/XXXX XXXX Finance Reseller XX/XX/XXXX XXXX XXXX XXXX XXXX Reseller XX/XX/XXXX XXXX XXXX BUSINESS LOANS Bulk Purchase Finance - General XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX Bulk Purchase Finance XX/XX/XXXX XXXX XXXX XXXX Bulk Purchase Finance - General XX/XX/XXXX XXXX Personal Loans Cos.
XX/XX/XXXX XXXX XXXX Sales Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX Finance Reseller XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX, personal XX/XX/XXXX XXXX XXXX Bulk Purchase Finance XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Banks and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Bulk Purchase Finance XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX Finance other than personal XX/XX/XXXX XXXX Miscellaneous Reptg. Agencies XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - General XX/XX/XXXX XXXX XXXX Sales Financing Company XX/XX/XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus XX/XX/XXXX XXXX XXXX Reseller XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - non specific XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX.
XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Specialty Clothing Store XX/XX/XXXX Account History ALL CREDIT INQUIRES I CERTIFY I DID MAKE AND NEED THEM ADDED TO MY CREDIT REPORT I MADE THEM ALL AND NEED THEM ON MY CREDIT REPORT TO REFLECT I DID ALL THE INQUIRES.
BELOW ARE ACCOUNTS THAT ARE MY ACCOUNTS AND NEED TO BE ADDED TO MY CREDIT REPORT IMMEDIATELY ALL THE ACCOUNTS ARE MINE AND LEGIT I DID APPLY FOR ALL OF THEM!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Factoring Company Open Account Collection Account Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$760.00} {$760.00} {$760.00} Terms : 1 Month High Balance : {$760.00} Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX-XXXXXXXXXXXXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2500.00} {$2500.00} {$2500.00} High Balance : {$2500.00} XXXX, XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$260.00} {$260.00} Terms : 1 Month Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Monthly Payment : {$38.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$410.00} {$390.00} {$410.00} Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Monthly Payment : {$38.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$390.00} {$410.00} {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} High Balance : {$480.00} {$480.00} Limit : {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Auto Loan Installment Installment account Account Status : Open Open Open Monthly Payment : {$850.00} {$850.00} {$850.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$35000.00} {$35000.00} {$35000.00} Terms : 60 Months 060 Months High Balance : {$56000.00} {$56000.00} Past Due : {$820.00} {$820.00} {$820.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1300.00} {$1300.00} {$1300.00} Terms : Revolving High Balance : {$1300.00} {$1300.00} Limit : {$1000.00} {$1000.00} Past Due : {$1300.00} {$1300.00} {$1300.00} Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2400.00} {$2400.00} {$2400.00} Terms : Revolving High Balance : {$2400.00} {$2400.00} Limit : {$2000.00} {$2000.00} Past Due : {$2400.00} {$2400.00} {$2400.00} Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1900.00} {$1900.00} {$1900.00} High Balance : {$1900.00} {$1900.00} Limit : {$1500.00} {$1500.00} Past Due : {$1900.00} {$1900.00} {$1900.00} Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Monthly Payment : {$62.00} {$62.00} {$31.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$950.00} {$950.00} {$900.00} High Balance : {$970.00} {$970.00} Limit : {$750.00} {$750.00} {$750.00} Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$670.00} {$670.00} {$670.00} High Balance : {$670.00} {$670.00} Limit : {$500.00} {$500.00} Past Due : {$670.00} {$670.00} {$670.00} XXXX XXXX XXXX.
Account Number : XXXX Monthly Payment : {$43.00} Date Opened : XX/XX/XXXX Balance : {$0.00} Limit : {$620.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} Terms : Revolving High Balance : {$100.00} {$100.00} Limit : {$100.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} Terms : Revolving High Balance : {$760.00} Limit : {$400.00} {$400.00} {$400.00} Past Due : {$0.00} {$0.00} Account Name : XXXX XXXX BANK XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$630.00} {$630.00} {$630.00} Terms : Revolving High Balance : {$630.00} {$630.00} Limit : {$400.00} {$400.00} Past Due : {$630.00} {$630.00} {$630.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Monthly Payment : {$120.00} {$120.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2300.00} {$2300.00} {$2300.00} Terms : 21 Months 021 Months High Balance : {$2200.00} {$2200.00} Past Due : {$2300.00} {$2300.00} {$2300.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Monthly Payment : {$38.00} Date Opened : XX/XX/XXXX Balance : {$0.00} Limit : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3100.00} {$3100.00} {$3100.00} High Balance : {$3100.00} {$3100.00} Limit : {$2900.00} {$2900.00} Past Due : {$3100.00} {$3100.00} {$3100.00} Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXXXXXXXXXXX XXXX Account Type : Credit Card - Revolving Terms Revolving or Option Revolving account Account Status : Closed Closed Closed Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5300.00} {$5300.00} {$5300.00} Terms : Revolving High Balance : {$5300.00} {$5300.00} Limit : {$5100.00} {$5100.00} Past Due : {$5300.00} {$5300.00} {$5300.00} Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Secured Loan Installment Installment account Account Status : Closed Closed Closed Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} {$2100.00} Terms : 36 Months 036 Months High Balance : {$2100.00} {$2100.00} Past Due : {$2100.00} {$2100.00} {$2100.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Revolving Charge Account Revolving or Option Revolving account Account Status : Closed Closed Closed Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} Terms : Revolving High Balance : {$2500.00} {$2500.00} Limit : {$1500.00} {$1500.00} Past Due : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Account Type : Credit Card - Revolving Terms Account Status : Closed Monthly Payment : Date Opened : XX/XX/XXXX Balance : Terms : Revolving High Balance : Limit : {$300.00} Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Type : Cellular Phone Open Account Open account Account Status : Closed Closed Closed Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1500.00} {$1500.00} {$1500.00} Terms : 1 Month High Balance : {$1500.00} {$1500.00} {$1500.00} Limit : Past Due : {$1500.00} {$1500.00} {$1500.00} Date Last Reported 127 % XXXX XXXX XXXX XXXX, XXXX Account overlimit. Credit limit is {$750.00}. Balance is {$950.00}. XX/XX/XXXX 100 % XXXX XXXX XXXX XXXX, XXXX Credit limit not reported ( highest balance used ). Highest balance is reported as {$1900.00}. Balance is {$1900.00}. XX/XX/XXXX 100 % XXXX XXXX XXXX XXXXXXXX, XXXX Credit limit not reported ( highest balance used ). Highest balance is reported as {$1300.00}. Balance is {$1300.00}. XX/XX/XXXX 100 % XXXX XXXX XXXX XXXX, XXXX Credit limit not reported ( highest balance used ). Highest balance is reported as {$2400.00}. Balance is {$2400.00}. XX/XX/XXXX 100 % XXXX XXXX XXXX, XXXX Credit limit not reported ( highest balance used ). Highest balance is reported as {$670.00}. Balance is {$670.00}. XX/XX/XXXX 100 % XXXX XXXX XXXX, XXXXXXXXXXXXX**** Credit limit not reported ( highest balance used ). Highest balance is reported as {$3100.00}. Balance is {$3100.00}. XX/XX/XXXX 100 % XXXX XXXX XXXX, XXXXXXXXXXXXX**** Credit limit not reported ( highest balance used ). Highest balance is reported as {$5300.00}. Balance is {$5300.00}. XX/XX/XXXX 100 % XXXX XXXX XXXX XXXX, XXXX Credit limit not reported ( highest balance used ). Highest balance is reported as {$390.00}. Balance is {$390.00}. XX/XX/XXXX 100 % XXXX XXXX XXXX XXXX, XXXX Credit limit not reported ( highest balance used ). Highest balance is reported as {$410.00}. Balance is {$410.00}.
I VERFIFY ALL DEBT ABOVE IS MY DEBT I VALIDATE ALL DEBT AND I ALSO VALDIATE ALL INQUIRES AND ADDRESSES PLEASE ADD THIS INFORMATION TO MY CREDIT REPORT AS TRUE AND CLOSE AND DISPUTES FROM ME ITS ALL MY DEBT AND ALL VALID attached is my license a my credit report all the items that are being disputed i certify as valid at the time i didnt realize these are ALL MY ACCOUNTS!
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| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX XXXX Ive reached out to XXXX XXXX XXXX TRANSUNION/XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case Number XXXX Court Docket Number XXXX ) XXXX XXXX XXXXXXXX TRANSUNION/ have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt XXXX XXXX XXXX TRANSUNION/ are in ( VIOLATION ) 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI have sent over a state.
Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. XXXX XXXX Account # XXXX Date XX/XX/XXXX amount : {$3100.00} Account XXXX XXXX Account XXXX XXXX XXXX fraudulent amount : {$1600.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXYou are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX XXXX XXXX TRANSUNION/ consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) -of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with XXXX XXXX XXXX TRANSUNION/ about the accounts.XXXX XXXXXXXX Account # XXXX Date XX/XX/XXXX amount : {$3100.00} Account XXXX XXXX Account # XXXX XXXX fraudulent amount : {$1600.00} XXXX XXXX XXXX Account # XXXX Date XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX I am aware that my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that XXXX XXXX XXXX TRANSUNION/ CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX XXXX XXXX TRANSUNION/ furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX TRANSUNION/ XXXX XXXXXXXX Account # XXXX Date XX/XX/XXXX amount : {$3100.00} Account XXXX XXXX Account # XXXX XXXX XXXX amount : {$1600.00} XXXX XXXX XXXX Account # XXXX Date XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXFailure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX XXXX XXXX TRANSUNION/ XXXXXXXX XXXX XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block XXXX XXXX XXXX TRANSUNION/ Is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX TRANSUNION/ ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report.
According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXXXXXX Account # XXXX Date XX/XX/XXXX amount : {$3100.00} Account XXXX XXXX Account XXXX XXXX XXXX fraudulent amount : {$1600.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX XXXX XXXX TRANSUNION/ including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
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| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX APARTMENTS ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DEPTEDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : USDOEXXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Bankruptcy ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : DPT EDXXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEP ED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 09/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX This I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like to get is account removed off my credit report As I am not the rightful owner of this account. My identity was stolen in XXXX and several account was opened under my name. And for this account I do not have any Knowledge of tis account. Therefore I will like to get this removed asap. I have contacted this account creditor several times and they are no longer in business due to being in bankruptcy. Before this situation of this creditor XXXX XXXX went out of business I sent them proof of my police report as well as my letter. They investigated this matter and found I was not the rightful owner of this account as I didnt open this account and they have record the property thats was theirs from this matter and they was going to remove this account off my credit as I did not open it nor gave them permission to open. Therefore this account should be removed asap!
XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
XXXX XXXX This account was opened without my permission nor knowledge as someone who had stole my identity opened several accounts in my name fraudulent as this is one of the accounts. I am asking to get this account removed from my report asap! I have obtained a police report and also contact the creditor and they info they as me to verify does my match to my correct info as its not mines. I have also sent them my police report to get this removed.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX This account was not open with my permission as again my identity was stolen and several accounts was open under my name. I would like to get this account removed off my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX This credit card account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX {$560.00} This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXXXXXX XXXX XXXX XXXX {$7600.00} balance ACCOUNT # ending in XXXX This account belongs to my twin brother XXXX XXXX who XXXX is one number different from mys. This individual ( brother ) ssn ends in XXXX mys ( whom is XXXX XXXX ends in XXXX ) but this report is coming up on my report as XXXX XXXX when it should be under XXXX XXXX XXXX. I have contacted the creditor numerous times to get this fixed but they failed to do so. Im asking this account be removed from my report for mix files as my twin brother XXXX XXXX is the one the owner of this account thats reporting I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Transunion I XXXX XXXX is informing the credit bureau of Transunion about my credit report as I have pulled and obtained.
Further investigation I have come across several accounts that does not pertain me to me nor have I have any knowledge of opening as I am a victim of identity theft.
Accounts are as follows XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX This account is not my mines nor have a had or had any dealings with this bank, I have contacted them and they can not confirm any of my correct details upon asking of this debt that on my credit.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX {$3000.00} XX/XX/XXXX This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists ( XXXX ) XXXX XXXX {$1100.00} XX/XX/XXXX ( XXXX ) XXXX XXXX $ XXXX XXXX XXXX I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
This account was open without my knowledge nor my permission by someone who stole my identity and got service. I have contacted this company and again, they can not confirm my identity of the correct info as they have let whom ever open this account and got service. I have sent in police report and they are suppose to be removing this account off my credit report. I am asking transunion to do their part and remove this account off my credit as it it not mines XXXX XXXX XXXX XXXX XXXX {$8500.00} XX/XX/XXXX This account belongs to my twin brother XXXX XXXX who ssn is XXXX number different from mys. This individual ( brother ) ssn ends in XXXX mys ( whom is XXXX XXXX ends in XXXX ) but this report is coming up on my report as XXXX XXXX when it should be under XXXX XXXX XXXX. I have contacted the creditor numerous times to get this fixed but they failed to do so. Im asking this account be removed from my report for mix files as my twin brother XXXX XXXX is the one the owner of this account thats reporting I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX This I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like to get is account removed off my credit report As I am not the rightful owner of this account. My identity was stolen in XXXX and several account was opened under my name. And for this account I do not have any Knowledge of tis account. Therefore I will like to get this removed asap. I have contacted this account creditor several times and they are no longer in business due to being in bankruptcy. Before this situation of this creditor XXXX XXXX went out of business I sent them proof of my police report as well as my letter. They investigated this matter and found I was not the rightful owner of this account as I didnt open this account and they have record the property thats was theirs from this matter and they was going to remove this account off my credit as I did not open it nor gave them permission to open. Therefore this account should be removed asap!
XXXX XXXX This account is a mixed file, this account belongs to my brother by them of XXXX XXXX who is my twin and as we share like names similar ssn number as his ssn is one number different then mines as it is XXXX and my ssn ( XXXX XXXX is XXXX ) I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXXXXXX XXXX XX/XX/XXXX {$1400.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
This account was open without my knowledge nor my permission by someone who stole my identity and got service. I have contacted this company and again, they can not confirm my identity of the correct info as they have let whom ever open this account and got service. I have sent in police report and they are suppose to be removing this account off my credit report. I am asking transunion to do their part and remove this account off my credit as it it not mines XXXX XXXX XX/XX/XXXX {$1100.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
This account was open without my knowledge nor my permission by someone who stole my identity and got service. I have contacted this company and again, they can not confirm my identity of the correct info as they have let whom ever open this account and got service. I have sent in police report and they are suppose to be removing this account off my credit report. I am asking transunion to do their part and remove this account off my credit as it it not mines XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} This account is not my mines nor have a had or had any dealings with this bank, I have contacted them and they can not confirm any of my correct details upon asking of this debt that on my credit. Someone used my information/ identity thats was stolen back in XXXX, my info was used to open this account that I did not give anyone permission to use nor open.
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX {$3000.00} This loan account was opened fraudulently and without my permission by someone who stole my identity and had funds sent to them. I have a police ( attached ) for the records of the account to be removed off my credit report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any XXXX XXXX XXXX XXXX XX/XX/XXXX {$12000.00} I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
XXXX XXXX XX/XX/XXXX {$290.00} This account was not open with my permission as again my identity was stolen and several accounts was open under my name. I would like to get this account removed off my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX {$190.00} This account was not open with my permission as again my identity was stolen and several accounts was open under my name. I would like to get this account removed off my report I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists Also, these notes address below I will like to get them removed from my credit report as they do not pertain to me but to my twin brother who share the same similar name as me.
XXXX XXXX This I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. I would like to get is account removed off my credit report As I am not the rightful owner of this account. My identity was stolen in XXXX and several account was opened under my name. And for this account I do not have any Knowledge of tis account. Therefore I will like to get this removed asap. I have contacted this account creditor several times and they are no longer in business due to being in bankruptcy. Before this situation of this creditor XXXX XXXX went out of business I sent them proof of my police report as well as my letter. They investigated this matter and found I was not the rightful owner of this account as I didnt open this account and they have record the property thats was theirs from this matter and they was going to remove this account off my credit as I did not open it nor gave them permission to open. Therefore this account should be removed asap!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Back in XXXX i lost my wallet and have been experiencing numerous amouts of unknown account on my credit that im not aware of nkr authorized. such as credit inquiries ( Transunion ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fraudulent Accounts opened under my name and SHOULD BE REMOVED! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses that dont belong to me thats reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I don't use my credit. I know that these accounts aren't mine my name XXXX XXXX is tied up with someone else that has the same exact name as me that you guys are mistaking me for. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX XXXX XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX LAW DICTIONARY : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI XXXX XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim Brenda Pierre 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/XXXX. By : XXXX XXXX Incorrect erroneous Accounts : 1. XXXX XXXX - XXXX 2. XXXX XXXX - XXXX. FRAUDULENT INQUIRIES : 1. XXXX XXXX - XX/XX/XXXX 2. XXXX XXXX - XXXX, XXXX, XXXX 3. XXXX XXXX - XXXX, XXXX, XXXX 4. XXXX XXXX - XXXX XXXX, XXXX 5. XXXX XXXX - XX/XX/XXXX 6. XXXX XXXX XXXX XXXX - XXXX. XXXX, XXXX 7. XXXX XXXX - XXXX XXXX, XXXX 8. XXXX XXXX - XXXX XXXX, XXXX. XXXX XXXX XXXX - XXXX XXXX XXXX 10, XXXX XXXX - XXXX, XXXX, XXXX
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| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act XXXX accounts, 1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 4. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 21. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 24. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 25. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 26. I Was Never Late on this account XXXX XXXX Account Number : XXXX violated my rights. 15 U.S.C 1681 SECTION 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A Creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 21. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 24. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 25. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. 26. I Was Never Late on this account XXXX XXXX Account Number : XXXX 15 U. S. C 1666b Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not you must delete these alleged lates payment from my credit report. 27. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 28. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 29. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXXXXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 30. 15 U.S. Code 1681b - Permissible purposes of consumer reports Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 31. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely yours, XXXX XXXX
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| 02/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I DEMAND, as is my consumer right ( s ) to do so, that you ONLY retain, use, and or report data of which is absolutely TIMELY, TRUE, CORRECT, COMPLETE, physically verified as proven valid and certified as COMPLIANT to every aspect of requisite law, including the mandatory XXXX XXXX format reporting. Let it be in clarity that I do NOT authorize you nor any entity RIGHT to access, obtain, transfer, use, or report ANY DEROGATORY INFORMATION of which is not irrefutably of a current status and proven by document FACT to be valid as well as undeniably demonstrated as being fully COMPLIANT to any and every aspect of compliance of collection, of which compliance of reporting is a MANDATORY CRITERIA. Please ELIMINATE ANY and ALL allegations of personal identifiers NOT REPORTING EXACTLY as displayed above OR ELSE PRESENT TO ME testimonial document prove certifying the FULL TRUTH, ACCURACY, COMPLETENESS, ownership and COMPLIANCE of the reported information. COMPLIANCE is a MANDATORY CONDITION of adequate proper reporting, NO ENTITY is privy to insufficient lawful reporting, be it in willful or ignorance of derelict! This letter is forwarded to ONLY INDIVIDUALS in capacity to analyze and modify or REMOVE information found to be without the required certification of being physically verifiable in the validation of the information BUT ALSO if the information, TRUE OR NOT, is with deficient evidence of REPORTING COMPLIANCE ( even to the mandatory perfect XXXX XXXX FORMAT COMPLIANCE ) and or is missing such requisite testimonial document proof of certified compliance in full accordance of law ( s ).
This document is my composed Demand to remove Inaccurate/and or NOT CERTIFIED COMPLIANT Credit Information, mentioned or not! I hereby demand that you disclose each and every document that you have in your physical possession as of this date regarding the accounts that you are reporting in my credit report. Please review YOUR RECORDS find the copy ( ies ) of my previously forwarded written demands to have unverified and not proven and por certified compliantly reported data and or accounts removed from my credit report. To date, you have willfully failed to provide me with any information that you are required to under my states or the applicable Federal Law ( s ). In answering these requests, please furnish all information, documents which are available to you, including, without limitation, all documents in the possession of your attorneys, accountants, affiliates, auditors, agents, employees, officers, directors, shareholders, contractors, or other personnel, and not merely such documents as are in your possession. If you can not respond to any of the following requests in full, after exercising due diligence to secure documents to do so, please so state, and respond to the extent possible, specifying all reasons why you are unable or unwilling to respond to the remainder, stating whatever documents you have concerning the unproduced documents, and what efforts you made to secure documents sufficient to allow you to respond fully to the particular request. Although one or more of the following requests and or demands may not appear to be applicable to or directed to you, please respond to each and every one of them to the extent that you are able and or required to provide any response thereto whether such response consists of documents within your own knowledge or what you have obtained from others. However, for every response in which you include documents received from others, please provide the exact name, exact address from which you received ( if any known address ), and any phone number from which you received documents and or information else wise related ( if any known phone number of the person or persons from whom you so received such documents ). And, in every such instance please state that you can not verify such of your own personal knowledge, identifying particularly the documents for which you can not vouch in testimonial FACT and/ or certify thereof. ADDITIONALLY, TO THAT DEMAND, I REQUEST that you Please provide a copy of my corrected and updated report once you have complied with the law. I request that you VERIFY the VALIDITY of all claims physically, CHECK for the factual and precise CERTIFIED COMPLIANCE OF REPORTING and REMOVE or MODIFY as needed any item ( s ) of derogatory allegation of which the PHYSICALLY VERIFIABLE VALIDITY and or the CERTIFIABLE COMPLIANT REPORTING is deficient or missing via willful derelict OR even if dereliction is due to ignorance. To collect any claim MUST be verifiably VALID, and to REPORT the alleged VALID COLLECT-ABLE derogatory information MUST be of a documented CERTIFIED COMPLIANT REPORTING, such as to the true, correct, complete, timely, and undeniably factually perfect XXXX XXXX FORMAT reporting compliance standards! VERFIFY PROPERLY BOTH the VALIDITY OF and PERFECT CERTIFIED COMPLIANT REPORTING OF all claim ( s ) and every aspect of claim ( s ) OR ELSE permanently REMOVE THE FOLLOWING DATA/ACCOUNTS and or the undocumented derogatory aspects of such data/accounts : REBUTTAL NOTATION : Accuser has failed to provide any evidence of either the injurious derogatory claim 's verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW! Item is mine YET is NOT proven COMPLIANT in its reporting. As reported, Item is mine YET is NOT LEGALLY REPORTABLE due to being one or more of untrue, erroneous, incomplete, unverifiable, invalid, or else wise NOT proven COMPLIANT in its reporting. Per My states reporting laws and the applicable federal standards of lawful reporting, ANY REPORTED ALLEGATION of delinquency and or derogatory of injury against a consumer MUST be documented as TRUE, CORRECT, COMPLETE, TIMELY, of accused consumers ownership and responsibility, fully valid, and irrefutably verifiable as such. ADDITIONALLY, even if true and valid, any claim of derogatory and injurious nature MUST BE REPORTED IN FULL COMPLIANCE, even to the mandatory true correct and complete XXXX XXXX FORMAT REPORTING COMPLIANCE and further be testimonial and CERTIFID AS being so or else claim ( s ) must be vacated permanently and immediately! DELETE NOW to be COMPLIANT!
Should this item of alleged account ( or account aspects ) of a reported delinquency and or derogatory condition be related to any alleged inquiry ( ies ) still yet unproven to hold the minimum mandatory document proof ( s ) thereby absolutely validating the physically verifiable written evidence of adequately achieved permissible purpose I demand that you immediately act to eradicate the accusations as unfounded and not currently compliant in its reporting, as is REQUIRED to report! Surely if unable to present undeniable physically verifiable proof of an items alleged delinquency ( ies ) and or derogatory ( ies ) as reported there exists ( LOGICALLY ) a concern and reasonable doubt as related to any linked allegation ( s ) of inquiry ( ies ) thereof as well! PLEASE WORK to Ensure the ethical, moral, adequately accurate, fully compliant reporting by your immediate willful modification ( s ) and or removals from reporting of any item or aspect of item ( s ), INCLUDING CLAIMS OF INQUIRY, that yet fail to meet the demonstrated requisites as mandatory, mentioned or not!
Notation : Please verify and validate all claims, every notation, dates and balances, whether reported or not. Remove immediately the unverified therefore invalidly reported CHARGE OFF claim. To date, no document proof of the physically verifiable validity of claim has been demonstrated nor offered. I am concerned with the reported data, please detail factually all aspects of claim, every notation, all dates and balances, source codes and personal identifiers, full 426-character P-segment with trailing factors, creditor classification code, XXXX, the 386-pieces to confirmate collection, and all requisite framents of reporting, mentioned or not.
Notation : Remove immediately the unverified therefore invalidly reported DEROGATORY CLAIM. The information reporting is one or more of being untrue, incorrect, incomplete, of not my ownership, of not my responsibility, not reported compliantly, or else wise is invalid deficient of physically verifiable document evidence of facts. Please verify and validate all claims, every notation, dates and balances, whether reported or not.
Notation : Remove immediately the unverified therefore invalidly reported claim that is significantly DEFICIENT REPORTED DATA. The information reporting is one or more of being untrue, incorrect, incomplete, of not my ownership, of not my responsibility, not reported compliantly, or else wise is invalid deficient of physically verifiable document evidence of facts. Please verify and validate all claims, every notation, dates and balances, whether reported or not. I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to- be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ).
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| 10/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern : Please accept this letter as my formal complaint against XXXX XXXX XXXX XXXX XXXX ( XXXX ), TransUnion, LLC ( TransUnion ), and XXXX XXXX XXXX, XXXX ( XXXX ), consumer reporting agencies, for violating the Fair Credit Reporting Act ( FCRA ) 15 USC 1681 requirements.
I am a consumer and natural person as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 ( a ) ( c ).
Upon learning of the inaccuracy information, I promptly notified all three credit bureaus with written dispute letters.I asked each consumer reporting agency : XXXX, TransUnion and XXXX, to properly verify and reinvestigate the disputed accounts : XXXX XXXX XXXX XXXX.
On or about XX/XX/XXXX, a formal written dispute was mailed via certified mail ( attached proof of delivery with tracking number ) to XXXX XXXX XXXX XXXX requesting an investigation to the following information : XXXX XXXX XXXX XXXX. My letter was received and sign for by an XXXX employee on XX/XX/XXXX at XXXX XXXX.
On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX mailed a confirmation of the results of my dispute to my address ( confirmation # XXXX ) On or about XX/XX/XXXX, XXXX XXXX XXXX XXXX mailed a confirmation of the results of my dispute to my address ( confirmation # XXXX ) On or about XX/XX/XXXX, a formal written dispute was mailed via certified mail ( attached proof of delivery with tracking number ) to TransUnion Consumer Solutions requesting an investigation to the following information : XXXX XXXX XXXX XXXX. My letter was received and sign for by an TransUnion employee on XX/XX/XXXX at XXXX XXXX.
On or about XX/XX/XXXX, a formal written follow up letter for the initial dispute was mailed via certified mail On XX/XX/XXXX TransUnion mailed a letter stating they were currently investigating my dispute, and in receipt of additional information regarding this dispute. Due to the additional information, the time frame for completing the investigation has been extended. TransUnion stated my initial correspondence was received on XX/XX/XXXX, and additional information was received on XX/XX/XXXX, which allows them fifteen additional days. Therefore, my investigation would be completed on or before XX/XX/XXXX. ( File number XXXX ) On or about XX/XX/XXXX, a formal written dispute was mailed via certified mail ( attached proof of delivery with tracking number ) to XXXX XXXX XXXX XXXX XXXX requesting an investigation to the following information : XXXX XXXX XXXX XXXX. My letter was received and sign for by an XXXX employee on XX/XX/XXXX at XXXX XXXX.
My letter was received and delivered at a XXXX XXXX XXXX XX/XX/XXXX at XXXX XXXX.
XXXX responded with report number XXXX with the results of the reinvestigation of my dispute regarding the account : XXXX XXXX XXXX XXXX XXXX XXXX stated the information you disputed has been verified as accurate, information unrelated to your dispute has been updated. Please review your report for the details.
Before I initiated the dispute with XXXX, the following information was reported : Account Name : XXXX XXXX XXXX XXXX XXXX opened : XX/XX/XXXX Status : Repossession Balance : {$23000.00} Original Balance : {$23.00}, XXXX Highest Balance : {$0.00} Terms : 66 months Payment history : 30 days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX, XXXX days past due as of XX/XX/XXXX, Repossession as of XX/XX/XXXX, Repossession as of XX/XX/XXXX Under 15 U.S.C 1681e ( b ), a credit reporting agency shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom a report relates. Federal appellate courts have held that Maximum possible accuracy means that a credit report must not be misleading or incomplete in such a way and to such an extent that it can be expected to have an adverse effect. After failing this requirement, XXXX updated the information I disputed for XXXX XXXX XXXX XXXX as well as information unrelated to the dispute. The following changes were made to the account : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Repossession. {$940.00} written off. {$1900.00} past due as of XX/XX/XXXX Balance : {$1900.00} Original Balance : {$23000.00} Highest Balance : {$0.00} Terms : 66 months Payment history : 30 days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, Repossession as of XX/XX/XXXX, Charge off as of XX/XX/XXXX, Repossession as of XX/XX/XXXX XXXX willfully continued to report inaccurate information. After updating my credit report following the reinvestigation, my payment history status was updated to reflect Charge off as of XXXX and XXXX as of XX/XX/XXXX. How can the status go from Charge Off to XXXX? Inaccurate and false information was clearly updated on my credit report.
My credit report also contains the following duplicate XXXX XXXX XXXX XXXX account with the same account number. My credit report is misleading and implies that I had two separate auto loans from the same company, opened on different dates. This is absolutely false. There should have only been one account listed from XXXX XXXX XXXX XXXX on my credit report. Please revisit the following duplicate account and I request to have it removed from my credit report immediately.
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$22000.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX After the dispute, payment history was updated to : XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX As a result of the reinvestigation of my dispute, XXXX certified that the information is accurate and information that was updated was still inaccurate.
XXXX responded to another dispute to reinvestigate the account : XXXX XXXX XXXX XXXX with report number XXXX. The reinvestigation resulted in the item I disputed being updated, remaining on my credit report.
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Status : Account charged off. {$940.00} written off. {$1900.00} past due as of XX/XX/XXXX Balance : {$1900.00} Original Balance : {$23000.00} Highest Balance : {$0.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, Repossession as of XX/XX/XXXX, Repossession as of XX/XX/XXXX, Charge off as of XX/XX/XXXX to XX/XX/XXXX The payment history was updated again with inaccurate information. Now the status is Repossession as of XX/XX/XXXX, but it was Charged off as of XX/XX/XXXX before, and now the account was charged off as of XX/XX/XXXX when before it was Repossession as of XX/XX/XXXX. Its obvious there has been an inconsistency of information being reported on my credit report.
The continuous reporting of a balance of {$1900.00} indicates an ongoing financial obligation, when in fact, there should be no balance being reported, being the account was charged off months ago. Here we are, months later after the account has been charged off still reporting a balance, and it continues to increase.
The duplicate account : XXXX XXXX XXXX XXXX still remains on my credit report inaccurately and following the reinvestigation resulted in the account being updated. Before the dispute, the account was listed on my credit report as : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$22000.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX Reported being closed in XX/XX/XXXX After the dispute, the account was listed on my credit report as : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date opened : XX/XX/XXXX Status : Paid, Closed Original Balance : {$22000.00} Terms : XXXX months Payment history : XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX Reported being closed in XX/XX/XXXX I have attempted multiple attempts to resolve my credit report disputes, directly with the credit reporting agencies without success. The credit reporting agencies continues to violate the law by reporting erroneous and inaccurate information on my credit report after filing disputes for reinvestigation of these accounts. As a result, this false and inaccurate information continues to cause actual damaging harm and is grounds for removal and the credit reporting agencies fail to do that, consciously avoiding that the information is inaccurate. The credit reporting agencies is blandly avoiding FCRA compliance by using templated investigation processes and rote, computer-generated responses that absolutely does not offer a reasonable, thorough or complete resolution of my consumer complaint.
Its evident the credit reporting agencies are not being enforced to abide my the FCRA regulations. XXXX, XXXX and TransUnion is regularly, without any regard, violating FCRA requirements by failing to investigate or respond efficiently to my constant dispute requests, even when submitted by third parties. The consumer reporting agencies is proving that they have little care to treat consumers fairly when our credit reports possess errors. This ongoing issue has inflicted serious harm and injury arising from all three credit reporting agencies faulty /deceptive dispute process.
TransUnion, XXXX and XXXX negligently failed to comply with the requirements of FCRA by : Failing to maintain reasonable procedures designed to avoid violations of section 15 U.S.C 1681c ( 15 USC 1681 ( e ) ( a ) ) Failing to respond to my credit report dispute request within statutory timeframe Failing to perform a reasonable and thorough investigation to assure maximum possible accuracy of my credit report ( 15 USC 1681e ( b ) ) Failing to conduct a reasonable reinvestigation of my disputes to determine whether the information disputed is inaccurate ( 15 U.S.C Sec. 1681i ( a ) ).
Failing to correct erroneous information contained in my inaccurate credit report after repeated and reasonable requests Failure to make the account in dispute As a direct and proximate cause of Experians failure to perform its duties under the FCRA, I have suffered, and continue to suffer substantial injury, actual damages including injury to my credit worthiness, emotional distress, lost opportunity to receive credit and increased difficult obtaining credit as a result of the credit reporting agencies violations of the FTC Act and the FCRA, 15 USC 1681 et. seq. This includes higher interest rates, loan rejection, decline in credit limit increase, and difficulty obtaining a car loan and more. In addition, I have suffered embarrassment, XXXX, humiliation and other emotional injuries as a result of errors on my credit report and credit worthiness.
XXXX actions clearly reflect poor response efforts and lack of compliance required by the major credit reporting agencies.
FIRST CLAIM OF RELIEF ( FCRA - 15 U.S.C. 1681n ) I reallage paragraphs 1-10 as if fully set forth herein.
XXXX, TransUnion and XXXX committed willful violations of the FCRA under 15 U.S.C. 1681n et. seq. including but not limited to : a ) failing to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports, as required by 15 U.S.C. 1681e ( b ) : b ) failing to comply with the investigation requirements in 15 U.S.C 1681i ; c ) failing to follow reasonable procedures, as required by 15 U.S.C 1681h ( e ) ; d ) failing to provide sufficiently conspicuous notice of my rights to have my corrected credit report pursuant to 15 U.S.C 1681i ( d ) ; e ) maintains no reasonable procedures to verify information as required by 15 U.S.C 1681g ; f ) negligently and willfully violated 15 U.S.C. 1681s-2 by reporting information with actual knowledge of errors As a result of XXXX, TransUnion, and XXXX violations of the FCRA, XXXX have suffered injuries including my denial of a auto loan recently applied for, continues to suffer, and will suffer future damages, including denial of credit, frustration, emotional distress, humiliation, worry, lost opportunity to receive credit, damage to reputation, and embarrassment, all to my damages in the amount exceeding {$30000.00} ( XXXX USD ), or an amount to may be determined by the court.
I am entitled to punitive damages in an amount to be determined by the court.
I am entitled to actual and statutory damages in an amount to be determined by the court.
I am entitled to attorney fees, pursuant to 15 U.S.C 1681n ( a ).
SECOND CLAIM FOR RELIEF ( FCRA - 15 U.S.C 1681o ) I reallege paragraphs 1-10 as if fully set forth herein.
XXXX, TransUnion and XXXX committed negligent violations of the FCRA under 15 U.S.C 1681o et. seq. including but not limited to : a ) failing to follow reasonable procedures to assure maximum possible accuracy of the information in consumer reports, as required by 15 U.S.C. 1681E ( B ) : b ) failing to comply with the investigation requirements in 15 U.S.C 1681i ; c ) failing to follow reasonable procedures, as required by 15 U.S.C 1681h ( e ) ; d ) failing to provide sufficiently conspicuous notice of my rights to have my corrected credit report pursuant to 15 U.S.C 1681i ( d ) ; e ) maintains no reasonable procedures to verify information as required by 15 U.S.C 1681g ; f ) negligently and willfully violated 15 U.S.C. 1681s-2 by reporting information with actual knowledge of errors As a result of XXXX, TransUnion, and XXXX violations of the FCRA, XXXX have suffered actual damages including transportation expenses through XXXX, etc. arising from the denial of an auto loan, credit limit increase denials for existing credit cards, continues to suffer, and will suffer future damages, including denial of credit, frustration, emotional distress, humiliation, worry, lost opportunity to receive credit, damage to reputation, and embarrassment, all to my damages in the amount exceeding {$30000.00} ( XXXX USD ), or an amount to may be determined by the court.
I am entitled to punitive damages in an amount to be determined by the court.
I am entitled to actual and statutory damages in an amount to be determined by the court.
I am entitled to attorney fees, pursuant to 15 U.S.C 1681o ( a ).
To resolve this problem, I am seeking and would appreciate XXXX XXXX XXXX, as well as an immediate removal of both these negative and inaccurate XXXX XXXX XXXX XXXX accounts from my credit report from all three credit bureaus. As the act of good faith, and settling this matter, I look forward to receiving monetary compensation, in the amount of {$10000.00} ( XXXX XXXX USD ). Based on pieces of evidence, I offered a reasonable, fair solution to settle this matter.
Please be advised payment must be made in the form of a certified funds, such as money order or cashiers check. Kindly send cash payment by check to my address listed in this document.
Enclosed are copies of my records ( certified electronic receipts, dispute letters, etc. ) I look forward to your immediate action on my claim.
Sincerely, Consumer
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| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The inquires listed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The inquires listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have ran my credit and made transactions on these inquires without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 09/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I've mention in the previous certified letters that i am a victim of identity theft, and i my personal information has been leaked on several occasions within more than a decade. I've mentioned this several months ago and it seems that you guys aren't fixing the situation with the incorrect addresses & erroneous accounts and inaccurate information that you've placed on my credit causing problems, distress in my life. I have listed the erroneous accounts & erroneous addresses which aren't mine. This is the final attempt and i will be pursuing litigation here shortly upon your response. I am only allowing 3 business days to attempt an internal investigation on this dispute. It has been more than 30, 60, 90, 120 days so you are at fault and violating my rights through FACTA, FCRA sections ( FCRA Section 623 ), the accounts and student loans were removed but re-inserted, by law a removed item from my credit report without notifying me in writing within five business days, i'm suing you for violating FCRA Part ( A ) ( 5 ) ( B ) which carries a fine of {$1000.00}. fail to respond to your written disputes within 30 days, a 15-day extension may be granted if they receive information from the creditor within the first 30 days, i can sue you for violating FCRA Section 611 Part ( A ) ( 1 ) which carries a fine of {$1000.00} per e-age your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer, i can sue you for violating FCRA Section 605, which carries a fine of {$1000.00} per violation. The credit history inaccurately, i can sue you for defamation, and financial injury. In The US Court of Appeals, Ninth Circuit, No. 00-15946, XXXX vs. XXXX XXXX for precedent. This violation carries a fine of {$1000.00} per violation. You pull my credit report without my permission, i can sue for injury to my credit report and credit score, which carries a fine of {$1000.00}. ( FRA Section 604 ( A ) ( 3 ). This letter is being sent to you in response to a computer generated, unsigned letter dated XX/XX/XXXX ( XXXX ), letter received by Claimant from your offices. Be advised that your claim is disputed and validation and proof of claim of the disputed debt is requested in accordance with the Fair Debt Collection Practices Act, 15 USC 1692 and as amended by adding the following new Title 8 USC 802 et seq., and the Fair Credit Billing Act, 15 USC. 1666 et seq. All of which work in conjunction with each other, including the Truth In Lending Act ( TILA ) 15 USC 1601 et seq. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed, please document and verify the debt by complying, in good faith, with this request for validation and return it to me, within thirty ( 30 ) days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to the above named Titles and Sections. I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus, such as, XXXX, XXXX and TransUnion prior to validation and proof of claim of the disputed debt, this action might constitute fraud under both Federal and State Laws. Due to this fact ; if any negative mark is found on any of Claimant credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341 ( Mail Fraud ) This debt is considered to be invalid until I receive proper validation and your offices provide Claimant with proof of claim of the disputed debt. Your offices have 30 days to produce the required documentation in accordance with FTC guidelines. During this validation period and proof of claim, if any action is taken which could be considered detrimental to any of Claimant credit reports, said action will be considered a dishonor and cause the self-executing contract portion of this notice to be implemented. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation and proof of claim request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from Claimant credit file and a copy of such deletion request shall be sent to Claimant immediately. Title 8 USC 809. Validation of debts [ 15 USC 1692g ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of Debt Validation Proof of Claim the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. XXXX XXXX XXXX : VERIFICATION. Confirmation of correctness, truth, or authenticity, by affidavit, oath, or deposition. Counter Claim with Self-executing Contract If Respondent, such as by commission, omission, and otherwise : ( a ) Fails to provide VALIDATION and PROOF OF CLAIM within thirty ( 30 ) days ; ( b ) Makes a false representation of the character of the herein above-referenced alleged debt ; ( c ) Makes a false representation of the legal status of the herein above-referenced alleged debt ; ( d ) Makes any threat of action that can not legally be taken, in violation of any applicable law, such as, the law codified at the Fair Debt Collection Practices Act, will be construed to be Respondents tacit acceptance of the terms and condition stated herein. In which case RESPONDENT agrees to : ( e ) Voluntarily report this account to all credit bureaus as paid as agreed ; and, ( f ) Voluntarily waive all claims against Claimant, their Agent or Heirs with prejudice ; and, ( g ) The matter regarding the alleged debt is finally and totally settled ; and, ( h ) Voluntarily admits the Claimant is the depositor for this account, that Respondent risked none of their assets at any time regarding this account and that they failed to disclose these material facts to Claimant ; and, ( i ) Voluntarily report the date of last activity on this account is the date of this notice. Furthermore, related law, and/or satisfy the above terms and conditions, constitutes RESPONDENTS Breach of Duty and voluntary agreement to compensate Claimant, by certified mail, with a cashiers check within thirty ( 30 ) days of the date of billing by Claimant, their Agent or Heirs, in the following amounts : I ) XXXX XXXX Dollars ( {$1000.00} ) for each communication made to Claimant or their Agent or Heirs, whether telephonically or in writing, which is not in affidavit form, by a person who has first hand knowledge, regarding Respondents unsubstantiated claim ; and, II ) XXXX XXXX Dollars ( {$50000.00} ) for each transaction initiated by Claimant where Claimants commercial ability is impeded due to you, your agents or assigns adverse credit reporting ; and, III ) XXXX XXXX Dollars ( {$5000.00} ) for each court appearance Claimant, their Agent or Heirs makes in response to Respondents unsubstantiated claims ; and, IV ) RESPONDENT owes Claimant the balance equal to the purported credit limit on this account, plus interest and fees, for money lent ; and, V ) Three times the alleged claim amount of XXXX XXXX XXXX XXXX XXXX XXXX XXXX dollars ( {$160000.00} ) which equals ( {$490000.00} ) ; and, VI ) XXXX XXXX Dollars ( {$5000.00} ) per occurrence, for listing or reporting any information to a credit reporting repository which could be considered detrimental to Claimants credit history ; and, VII ) Punitive damages in the amount of ( {$270000.00} ) ; and VIII ) Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs ; fees and expenses incurred in defending against this and any and all continued collection attempts ( by anyone ) re the above- referenced alleged account RESPONDENT also agrees to : 1. Voluntarily authorize Claimant to record a UCC-1 on RESPONDENT as debtor to secure the debt owed Claimant ; and, 2. Voluntarily prove their claim as a RESPONDENT in possession of Claimant property in a involuntary bankruptcy proceeding process ; and, 3. Voluntarily compensate Claimant for ALL costs and attorneys/consultant fees ; and, RESPONDENTS failure to Cease and Desist in accordance with the requirements of the FDCPA and other Debt Validation Proof of Claim 4. Resolve ALL claims by Claimant, against Respondent, et al, exclusively and finally through binding arbitration, if necessary, to enforce the above terms, conditions, fees, penalties and damages. Arbitration replaces the right to go to court except to confirm an arbitration award. The arbitration organization that is selected will apply its code or procedure in effect at the time the arbitration is filed, subject to this agreement. The arbitration will be conducted before a single arbitrator. The arbitrators authority is limited solely to the Claims between Claimant and Respondent alone. The arbitration will not be consolidated with any other arbitration proceeding. If Claimant prevails in the arbitration of any Claim against Respondent, Respondent will reimburse Claimant for any fees Claimant paid to the arbitration organization in connection with the arbitration. Any decision rendered in such arbitration proceedings will be final and binding on the parties, and judgment may be entered in a court of competent jurisdiction. This arbitration provision applies to all Claims now in existence or that may arise in the future. The arbitration provision shall survive any voluntary payment of Claimants claim against Respondent, in full, or any bankruptcy by Respondent. This is a private communication and is intended to affect an out-of-court settlement of this matter. Conduct yourself accordingly. Should any provision on this agreement be found to not be enforceable by order of a court of competent jurisdiction, it shall not adversely affect any other provision of this agreement and reasonable opportunity and effort shall be taken to modify it to become enforceable. Equality under the Law is PARAMOUNT and MANDATORY by Law NOTICE TO THE PRINCIPAL IS NOTICE TO THE AGENT NOTICE TO THE AGENT IS NOTICE TO THE PRINCIPAL Applicable to all successors and assigns Silence is Acquiescence/Agreement/Dishonor Executed on this XX/XX/XXXX by, XXXX XXXX You are the second party that has written a letter purporting to represent, or have as your client, XXXX XXXX XXXX, the first was not registered as a debt collector in Maine and they have not answered the debt validation request presented to them. This is Notice that I do not recognize the Respondent from which the Claimant has received a computer generated debt collection attempt, and I must necessarily dispute part, or all, of the alleged debt until the following is received ... CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim. 1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector. 9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters. Debt Validation Proof of Claim XXXX XXXX 10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt. 12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections. 13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note. 14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity. 15. Provide verification from the stated creditor that you are authorized to act for them. 16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341. Disputing the Debt, Dated this XX/XX/XXXX. By : XXXX XXXX.
INACCURATE INVALID INFORMATION ACCOUNTS : 1. U.S. BANKRUPTCY COURT 2. REMOVE THE CLOSED THE ACCOUNTS, THIS IS INFORMATION THAT I NO LONGER HAVE AND IS STILL REPORTING AND I DON'T KNOW WHY. I WANT IT REMOVED IMMEDIATELY. 3. XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX 4. XXXX XX/XX/XXXX INCORRECT INFORMATION THAT DOESN'T BELONG TO ME. 5. CREDIT FACTOR ACCOUNT INFO.
INACCURATE INQUIRIES : TRANSUNION 1. XXXX XXXX 2. XXXX XXXX XXXX : 1. XXXX XXXX.
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| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, Transunion, and XXXX continue to inaccurately report my consumer account even after my repeated attempts to correct the situation. The account is listed inaccurately and has several discrepancies.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This means this account has not been properly verified and the XXXX can not report the account as a charge off if any balance is over a dollar it is due to the consumer for the sell of my security. XXXX has violated the federal reserve act by not complying with the terms set out for national banks.
12 CFR 1026.11 - Treatment of credit balances ; account termination.
CFR State Regulations prev | next 1026.11 Treatment of credit balances ; account termination.
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
( b ) Account termination.
( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge.
( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance.
( c ) Timely settlement of estate debts ( 1 ) General rule.
( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner.
( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account.
( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner.
( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely.
( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ).
( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.
CFR prev | next 1016.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 1016.6 ( a ) ( 2 ) and ( 3 ) of this part, and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 1016.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 1016.4 of this part, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships in the case of financial institutions other than credit unions and covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( d ), you is limited to financial institutions other than credit unions and financial institutions described in 1016.3 ( l ) ( 3 ) of this part.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint checking account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you XXXX only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( e ) Joint relationships in the case of credit unions.
( 1 ) If two or more consumers jointly obtain a financial product or service, other than a loan, from a credit union, the credit union may provide only a single opt out notice. The opt out notice must explain how the credit union will treat an opt out direction by a joint consumer ( as explained in the examples in paragraph ( e ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. A credit union may either : ( i ) Treat an opt out direction by a joint consumer to apply to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If a credit union permits each joint consumer to opt out separately, the credit union must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) A credit union may not require all joint consumers to opt out before the credit union implements any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint share account with a credit union and arrange for the credit union to send statements to XXXX 's address, the credit union may do any of the following, but it must explain in its opt out notice which opt out policy it will follow : ( i ) Send a single opt out notice to XXXX 's address, but it must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If it does so, and XXXX opts out, it may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) XXXX XXXX and XXXX to make different opt out directions. If it does so, and if XXXX and XXXX both opt out, it must permit one or both of them to notify it in a single response ( such as on a form or through a telephone call ).
( 6 ) Special rule for loans.
( i ) A credit union is required to provide an initial opt out notice to a borrower or guarantor on a loan if it shares his or her nonpublic personal information with nonaffiliated third parties other than for purposes under 1016.13, 1016.14, and 1016.15.
( ii ) A credit union may satisfy its annual opt out notice requirement by providing one notice to those borrowers and guarantors jointly.
( f ) Joint relationships in the case of covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( f ), you is limited to the financial institutions described in 1016.3 ( l ) ( 3 ).
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( f ) ( 5 ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( XXXX ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( j ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 1016.9 of this part.
( k ) Model privacy form. Pursuant to 1016.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in the appendix to this part.
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| 09/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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I do understand that XXXX and TransUnion will say that they do not compare reports to other credit reporting agencies. However, the Fair credit reporting act ( 611.4. ) States " In conducting any investigation under paragraph ( 1 ) with respect to disputed information in the consumer file, the consumer reporting agency shall REVIEW AND CONSIDER ALL RELEVANT information submitted by the consumer ''.
This means that once you have the information provided by ME the consumer you can not ignore the facts provided. I have challenged several inaccuracies and incomplete information with factual records. The CFPBs own report shows that these agencies ( XXXX and Transunion ) only solve 2 % of the disputes they receive. The question that must be answered as in the statement of the CFPB report, is the agencies incapable or unwilling to properly investigate.
My rights have been violated by these agencies and their false claims of any real investigation. It is in fact UNFAIR that they investigate themselves regarding MY information that they use for profit. They are incentivized to not conduct a reasonable investigation and correct, or delete inaccurate, incomplete information. As well as the negative impact and the cost that I have incurred for their failure to properly follow the LAW. Under the Fair Credit Reporting Act, I have a right to privacy, and I did not give any written permission for any of the accounts to share MY information. Also, my rights have been violated because the agencies are responsible to report 100 % ACCURATE and VERIFIABLE information.
I have attached the challenge I made to both XXXX and TransUnion. I have also attached their very own reports that support the claims that they are reporting inaccurate, incomplete, and illegal information. And they refuse to Follow the law. XXXX nor Trans Union seemed to even attempt an investigation as to whether the Proof is irrefutable.
EXAMPLE : I challenged acct : XXXX [ XXXX ] claims inaccurate information How is this Nebraska XXXX XXXX reporting late payments on a closed account? XXXX has been reporting late payments for months/ How can I be late on a closed account with no monthly payments? Please remove this account from my file.
I did not get any reasonable explanations as to why they have been for years reporting late payments and a balance on a closed account. How can I be late on an account monthly that has no Monthly payments? However, they assured me it was updated. HOW SO? It must be deleted because they are willfully reporting an inaccurate account that I have challenged several times.
Another EXAMPLE : I have included both XXXX and TransUnion reports to show their failure to investigate and ignore the RELEVANT information I provided.
To XXXX I challenged Acct : XXXX [ XXXX ] claims of inaccurate information XXXX XXXX XXXX this account shows last active on XX/XX/XXXX but was opened on a date before XX/XX/XXXX how is this possible? Please delete this inaccurate account. I am looking to buy a house, and this is damaging my credit file.
TransUnion reports a totally different last active date Furthermore, How are you reporting sent for collection monthly? The report will show that you report it Collections/Charge off every month, therefore, hurting my credit score freshly every month. It can only be CC the actual month the company made the claim. You are making it appear as a new CC monthly therefore keeping the most negative effect on my score. That is willful, and purposeful reporting to make sure YOU profit from harming my reputation.
There are several examples where I have given facts and Both XXXX and TransUnion have ignored them completely.
Attached are the challenges that I sent to each agency. And it shows the factual PROOF that they are reporting inaccurately. This is proof and it can not be denied. You have been given factual evidence that these accounts are not reporting accurately, YET you claimed they are. Yet, when compared to the other reporting agency it's inaccurate and incomplete. Also attached are the credit reports to be compared. If it's not 100 % accurate it must be deleted. Thats the law and each can not both have different information yet be accurate.
I would like all the challenges in that attached file account removed permanently.
I do not give my written permission for XXXX or Trans Union to share these mentioned accounts. I have a right to piracy. I am the original Creditor and My rights have been violated by both XXXX and TransUnion.
XXXX Challenges I challenged ACCT : XXXX [ XXXX ] Inaccurate information Delete XXXX. The other credit reporting agencies removed this account for inaccuracies. Account Status says closed, but this is consistent with XXXX reporting. I challenged this account previously, but the last active was not updated. The last challenge was not XXXX. Please delete this inaccurate account from my file, I am looking to buy a house and this is damaging my credit file.
I challenged Acct : XXXX [ XXXX ] Account information Delete XXXX XXXX XXXX XXXX the last action was not updated This account was disputed, and it was not updated. Please delete this inaccurate account from my file, I am looking to buy a house and this is damaging my credit file.
I challenged Acct : XXXX [ XXXX ] Account information XXXX XXXX XXXX reports that this account was last active XX/XX/XXXX and TransUnion reports XX/XX/XXXX. This is inaccurate and needs to be deleted. I am looking to buy a home, please delete this inaccurate account. Please delete this inaccurate account from my file, I am looking to buy a house and this is damaging my credit file.
I challenge acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed Acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed You are not reporting any late payments on this account. Please remove due to incomplete payment history. What was the first day of delinquency? Please delete this inaccurate account from my file, I am looking to buy a house, and this is damaging my credit file.
I challenged account XXXX [ XXXX ] Account information XXXX XXXX XXXX the account balance is incorrect. Please remove this account for inaccurate information. I am looking to buy a house, and this is damaging my credit file.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it concerns, I challenged Acct : XXXX [ XXXX ] claims inaccurate information XXXX reports this XXXX XXXX account 's last active was XX/XX/XXXX but XXXX reports a different month and year. Please remove this inaccurate account from my file. I am looking to buy a house, and this is damaging my credit file.
I challenged account XXXX And account : XXXX [ XXXX ] claims inaccurate information Possible Finance these accounts have an inaccurate payment history. On account XXXX when was the account charged off you are missing information for XX/XX/XXXX.
For account XXXX you show 30 days late this is not correct. Please remove both accounts. I am looking to buy a house and these inaccurate accounts are harming my credit file.
I challenged Acct XXXX. [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed.
XXXX XXXX XXXX XXXX reports that this account was late XX/XX/XXXX, However, TransUnion reports that his account was paid on time through XX/XX/XXXX. Please remove this inaccurate account. I am looking to buy a house, and this is damaging my credit file.
I challenged Acct : XXXX XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed XXXX XXXX reports date opened XX/XX/XXXX how can this be correct if TransUnion reports a different month and year? Please remove this inaccurate account from my file. I am looking to buy a house, and this is damaging my credit file.
I challenged acct : XXXX [ XXXX ] claims inaccurate information XXXX XXXX XXXX The payment history on this account is incomplete and therefore inaccurate. Please remove this account. I am looking to buy a house, and this is damaging my credit file.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it concerns, I challenged XXXX XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed.
XXXX reports that this XXXX XXXX account reported 60 days late XX/XX/XXXX and 60 days late XX/XX/XXXX, how can this be possible? Please remove this inaccurate account, I am looking to buy a home and this account is damaging my file.
I challenged acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed.
This XXXX account was re-aged and was not opened in XX/XX/XXXX. Please delete. This account is inaccurate and is a violation of the law. I am looking to get a house and this illegal information is harming my chances at a home.
I challenged acct : XXXX [ XXXX ] claims inaccurate information XXXX XXXX This account was challenged and that was not updated. The account shows last update the month this account opened. This must be deleted for false and inaccurate information. I am looking to buy a house and this inaccurate account by law must be deleted.
I challenged Acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed.
XXXX reports this XXXX 's account as 120 days late for XXXX and XXXX. How can this be true? Please remove this inaccurate reporting account. I am looking to buy a house and this account is harming my file in that process.
I challenged Acct : XXXX [ XXXX ] claims inaccurate information XXXX XXXX XXXX this account shows last active on XX/XX/XXXX but was opened on a date before XX/XX/XXXX how is this possible? Please delete this inaccurate account. I am looking to buy a house, and this is damaging my credit file.
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To whom it concerns, I challenged acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed.
XXXX XXXX XXXX has re-aged this account. I had no dealing with them during any period of XXXX. Please delete. This account is inaccurate and is a violation of the law. I am looking to get a house and this illegal information is harming my chances at a home.
I challenged acct : XXXX : [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed.
XXXX XXXX has re-aged this account. I had no dealing with them during any period of XXXX. Please delete. This account is inaccurate and is a violation of the law. I am looking to get a house and this illegal information is harming my chances at a home.
I challenged acct : XXXX [ XXXX ] claims inaccurate information How is this XXXX account charged off but still shows a credit limit? This is inaccurate reporting that is harming my file. I am looking to buy a house. Please remove this inaccurate account.
I challenged acct : XXXX [ XXXX ] claims inaccurate information How is this XXXX XXXXXXXX XXXX reporting late payments on a closed account? XXXX has been reporting late payments for months/ How can I be late on a closed account with no monthly payments? Please remove this account from my file.
Transunions Challenges I challenged ACCT : XXXX [ XXXX ] inaccurate information TransUnion is reporting this account was challenged but the information was not updated after the challenge to show that it was disputed by the consumer. Please remove this from my file s it was not accurately updated.
I challenged ACCT : XXXX [ XXXX ] to belong to another individual with the same/similar name.
XXXX [ XXXX ] belongs to another individual with same/similar name.
They do not have the correct identifying information and therefore must be deleted.
I challenged ACCT : XXXX [ XXXX ] inaccurate information This Lendly account is not reporting accurately, TransUnion shows that a payment was made on time on XX/XX/XXXX, Yes for payment received you report a {$0.00} balance. Which is correct? Please delete for inaccurate reporting.
I challenged ACCT : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed How is this account Open and charged off at the same time? You are reporting both. Please delete this inaccurate reporting.
I challenged ACCT : XXXX [ XXXX ] belongs to another individual with same/similar name.
This account does not have the correct Identifying information. Please remove from the credit file.
I challenged ACCT : XXXX [ XXXX ] Disputed present/previous account status/ Payment history profile/ Payment rating.
How can Transunion report a payment for XX/XX/XXXX, but also show 30 days late? This was not a late payment, please update this to paid on time.
I challenged ACCT : XXXX [ XXXX ] Disputed present/previous account status/ Payment history profile/ Payment rating.
TransUnion is reporting that the last payment made was XX/XX/XXXX, yet you also report that the account was closed on XX/XX/XXXX how can the account be closed yet there be a payment made after the account was closed that I did not make? Please remove this inaccurate account.
I challenged Acct : XXXX [ XXXX ] belongs to another individual with same/similar name.
Please remove this account, this Creditor could not verify my correct information.
I challenged this acct : XXXX [ XXXX ] belongs to another individual with same/similar name.
This Debt buyer could not verify im correct information. Please remove it from the file.
I challenged this acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed TransUnion is reporting Last payment made was XX/XX/XXXX. Yet your report says that the payment was 90 days late XX/XX/XXXX. How can this be accurate? Please delete this account from my file.
I challenged acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed This account was re-aged by the debt buyer and is a violation of the FCRA. Please remove this account for breaking the law I challenged acct : XXXX [ XXXX ] Disputes date of last payment/Opened/Of first delinquency/Billing/Closed Transunion is reporting that there is a scheduled payment on a charged-off account, How can this be accurate? Please delete the account from my file I challenged acct : XXXX [ XXXX ] inaccurate information TransUnion is reporting a credit limit on a closed account. How is this accurate reporting? Please remove the account from my file.
I challenged acct XXXX [ XXXX ] belongs to another individual with same/similar name.
This creditor could not verify my information on requesting information on the account.
Please remove these inaccurate and incorrect Telephone numbers XXXX XXXX XXXX XXXX XXXX I did not give written permission for the following Inquiries please delete them there is no firm offer of credit.
XXXX XXXX XXXX via XXXX XXXX XXXXXXXX XXXX XXXX
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| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. It has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend coll
ege. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX/DOFED ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING
ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ... ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These hard AND soft inquires need to be removed from my TransUnion credit report. These are not mine. They are fraudulent/unauthorized inquiries. I am a victim of identity theft and fraud. The inquires both soft AND hard that need to be removed from my TransUnion credit report are listed below.
Regular Inquiries
More Info +
Name
XXXX via XXXX
XXXX Location
XXXX XXXX XXXX XXXX XXXX TX XXXX Requested On XXXX
Phone
XXXX XXXX
Inquiry Type
Individual
Promotional Inquiries
More Info +
Name
TRANSUNION CONSUMER INTE
Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX
TRANSUNION XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX Account Review Inquiries
More Info +
Name XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX IL XXXX Requested On
XXXX
Phone
XXXX XXXX
TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX Phone XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XXXX Phone XXXX XXXX
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX IL XXXX Requested On
XXXX
Phone XXXX XXXX
XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX DE XXXX Requested On XXXX Phone
XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX FL XXXX
Requested On
XXXX Phone XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX FL XXXX
Requested On
XXXX
Phone
XXXX XXXX
XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XXXX
Phone
XXXX XXXX
XXXX XXXX
Location XXXX XXXX XXXX XXXX FL XXXX-XXXX Requested On
XXXX Phone XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX, MO XXXX Requested On
XXXX
Phone
Phone number not available
XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX VA XXXX Requested On
XXXX Phone
XXXX XXXX
TRANSUNION INTERACTIVE
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XXXX
Phone XXXX XXXX
TRANSUNION INTERACTIVE
Location
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX
TRANSUNION INTERACTIVE IN
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX
Phone XXXX XXXX XXXX via TRANSUNION INTERACTIVE
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX
XXXX via XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX
XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone XXXX XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX VA XXXX Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX FL XXXX Requested On XXXX XXXX Phone XXXX XXXX
XXXX XXXX via XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX
XXXX XXXX via XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX VA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX
XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On
XXXX XXXX Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX
XXXX XXXX VA XXXX Requested On
1XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX Phone XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX IL XXXX
Requested On
XXXX XXXX, XXXX
Phone
XXXX XXXX
XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX via XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On XXXX Phone XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX PA XXXX Requested On
XXXX
Phone XXXX XXXX XXXX XXXX XXXX.
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Requested On
XXXX XXXX XXXX XXXX XXXX
XXXX XXXX via XXXX
Location
1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On
XXXX
Phone XXXX XXXX
TRANSUNION INTERACTIVE
Location
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX PA XXXX Requested On
XXXX
Phone XXXX XXXX
XXXX XXXX
Location XXXX XXXX XXXX XXXX AZ XXXX Requested On
XXXX XXXX XXXX
Phone XXXX XXXX XXXX via XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX
XXXX XXXX Location
XXXX XXXX XXXX XXXX FL XXXX Requested On
XXXX XXXX XXXX XXXX XXXX Phone
(XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Requested On
XXXX
Phone
XXXX XXXX
XXXX via XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, OH XXXX
Requested On
XXXX XXXX XXXX Phone XXXX XXXX
XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX TX XXXX Requested On
XXXX Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX
XXXX XXXX XXXX
XXXX, WA XXXX Requested On XXXX Phone XXXX XXXX
XXXX via XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On
XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX WI XXXX Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Requested On XXXX Phone XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX, WA XXXX Requested On
XXXX
Phone
XXXX XXXX
XXXX XXXX via XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On
XXXX
Phone
XXXX XXXX XXXX via XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX
Phone XXXX XXXX
TU INTERACTIVE
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX
Phone
(XXXX XXXX XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX Phone
XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX Location XXXX XXXX XXXX
XXXX GA XXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX
Requested On XXXX XXXX Phone XXXX XXXX XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Requested On XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX Phone XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX, UT XXXX Requested On
XXXX
Phone XXXX XXXX
XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On
XXXX
Phone
XXXX XXXX
XXXX Location
XXXX XXXX XXXX XXXX CITY, CA XXXX Requested On
XXXX
Phone XXXX XXXX
UPGRADE
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XXXX Phone XXXX XXXX XXXX via XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Requested XXXX XXXX XXXX
Phone
XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On XXXX
Phone XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Requested On
XXXX
Phone XXXX XXXX
XXXX via XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On
XXXX
Phone
XXXX XXXX
XXXX XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On XXXX
Phone
XXXX XXXX
XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On
XXXX
Phone XXXX XXXX
Consumer Statement
Your TransUnion credit report contains the following consumer statements.
Statement Details
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION. PLEASE DO NOT PUT ANY HARD OR SOFT INQUIRIES, OR CREDIT CARD ACCOUNTS UNTIL YOU CONTACT MY CELL PHONE NUMBER AT XXXX VERIFYING WHETHER IT IS ME THAT DID APPLY FOR OR OPEN A CREDIT CARD ACCOUNT. I AM A VICTIM OF IDENTITY THEFT, FRAUD, AND UNAUTHORIZED ACTIVITIES THAT ARE CURRENTLY OR HAVE PREVIOUSLY BEEN PLACED ON MY CREDIT REPORT TRYING TO PROTECT MY IDENTITY, AND MY SAFETY WHEN IT COMES TO FRAUD, UNAUTHORIZED ACTIVITIES,, AND IDENTITY THEFT.
(Note: This statement has no expiration date.)
Found an inaccuracy on your credit report?
START A DISPUTE REQUEST ONLINE
Found something inaccurate on your credit report? Visit transunion.com/dispute to start a dispute online.
To add, remove, or modify a fraud alert, please visit transunion.com/fraud-alerts.
Credit Report Messages
Your credit report contains the following messages
Security Alert
Active Duty Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX
Security Alert
Initial Fraud Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX Security Alert
Extended Fraud Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX)
Security Freeze
Our records indicate that you have placed a credit freeze / security freeze or a lock on your TransUnion credit file. The credit information on this page has been delivered to you under the applicable exemption provisions: Providing a consumer with a copy of the consumer's credit report upon the consumer's request.
Promotional opt-out
This file has been opted out of promotional lists supplied by TransUnion.
(Note: This opt-out is set to expire in XXXX.)
The opt out on your file will remain in effect until the expiration date specified above, unless you request it to be made permanent. To permanently opt out of promotional lists provided by TransUnion, you must send us a signed "Notice of Election" form, which can be obtained by writing us or calling us at XXXXXXXX and speaking with a representative.
Additional Information
More Info +
Inquiry Analysis
More Info +
Name Requested On XXXX XXXX XXXX Third Party Supplemental Information
More Info +
Checking Account and Demand Deposit Account (DDA) Activity
Data Source:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX)
Requested by:
XXXX
Requested onXXXX XXXX Checking Account Inquiries in the Last Month:
0
Checking Account Inquiries in the Last 2 Months:
1
Checking Account Inquiries in the Last 3 Months:
1
Checking Account Inquiries in the Last 6 Months:
1
Checking Account Inquiries in the Last Year:
1
Checking Account Inquiries in the Last 2 Years:
2
DDA Inquiries in the Last 3 Years:
3
Total Days Since First Checking Account Inquiry:
769
Days Since Most Recent DDA Inquiry: 46 Credit Inquiries in the Last Year:
1
Credit Inquiries in the Last 3 Years:
3
DDA & Credit/Non-DDA Inquiries in Last 3 Years:
6
Supplemental Consumer Credit Information
Data Source:
XXXX XXXX (1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested by: XXXX Requested on: XXXX Auto Finance Inquiries in the Last 3 Months:
0
Auto Finance Inquiries in the Last 6 Months:
0
Auto Finance Inquiries in the Last 9 Months:
0
Auto Finance Inquiries in the Last 12 Months:
0
Auto Finance Inquiries in the Last 24 Months:
0
Auto Finance Inquiries in the Last 7 Years:
0
Cash Advance Inquiries in the Last 3 Months:
0
Cash Advance Inquiries in the Last 6 Months:
0
Cash Advance Inquiries in the Last 9 Months:
0
Cash Advance Inquiries in the Last 12 Months:
0
Cash Advance Inquiries in the Last 24 Months:
0
Cash Advance Inquiries in the Last 7 Years:
0
Misc Financial Services in the Last 7 Years:
2
Rent-to-Own Inquiries in the Last 3 Months:
0
Rent-to-Own Inquiries in the Last 6 Months:
0
Rent-to-Own Inquiries in the Last 9 Months:
0
Rent-to-Own Inquiries in the Last 12 Months:
0
Rent-to-Own Inquiries in the Last 24 Months:
0
Rent-to-Own Inquiries in the Last 7 Years:
0
All Alternative Credit Inquiries in the Last 3 months:
0
All Alternative Credit Inquiries in the Last 6 Months:
0
All Alternative Credit Inquiries in the Last 24 Months:
2
All Alternative Credit Inquiries in the Last 7 Years:
2
Paid Auto Finance Charge-offs in the Last 24 Months:
0
Paid Payday Loan Charge-offs in the Last 24 Months:
0
Paid Rent-to-Own Charge-offs in the Last 24 Months:
0
All Paid Charge-offs in the Last 3 Months:
0
All Paid Charge-offs in the Last 24 Months:
0
All Paid Charge-offs in the Last 7 Years:
0
Open Auto Finance Charge-offs in the Last 24 Months:
0
Open Payday Loan Charge-offs in the Last 24 months:
0
Open Rent-to-Own Charge-offs in the Last 24 Months:
0
All Open Charge-offs in the Last 3 Months:
0
All Open Charge-offs in the Last 6 Months:
0
All Open Charge-offs in the Last 9 Months:
0
All Open Charge-offs in the Last 12 Months:
0
All Open Charge-offs in the Last 24 Months:
0
All Open Charge-offs in the Last 7 Years:
0l
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These hard AND soft inquires need to be removed from my TransUnion credit report. These are not mine. They are fraudulent/unauthorized inquiries. I am a victim of identity theft and fraud. The inquires both soft AND hard that need to be removed from my TransUnion credit report are listed below.
Regular Inquiries
More Info +
Name
XXXX via XXXX
XXXX Location
XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On XXXX
Phone
(XXXX XXXX
Inquiry Type
Individual
Promotional Inquiries
More Info +
Name
TRANSUNION CONSUMER XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX
TRANSUNION INTERACTIVE
Location
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX Account Review Inquiries
More Info +
Name
XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX IL XXXX Requested On
XXXX
Phone
XXXX XXXX
TRANSUNION CONSUMER INTE
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Phone XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX DE XXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX
Location
C/O XXXX XXXX XXXX XXXX FL XXXX Requested On
XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX FL XXXX Requested On XXXX Phone XXXX XXXX
XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX TX XXXX Requested On
XXXX Phone XXXX XXXX
XXXX XXXX
Location
XXXX XXXX XXXX XXXX, FL XXXX
Requested On XXXX Phone XXXX XXXX
XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX MO XXXX
Requested On
XXXX
Phone
Phone number not available
XXXX XXXX Location XXXX XXXX XXXX XXXX
XXXX, VA XXXX Requested On XXXX Phone
XXXX XXXX
TRANSUNION INTERACTIVE
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
1XXXX
Phone
XXXX XXXX
TRANSUNION INTERACTIVE
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX
XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX
XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX
XXXX XXXX
Location
XXXX XXXX XXXX XXXX
XXXX VA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX XXXX via XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Requested On
XXXX XXXX
Phone
XXXX XXXX
XXXX XXXX via TRANSUNION INTERACTIVE
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX
XXXX
Location
XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone XXXX XXXX
XXXX XXXX via XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX VA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On
XXXX XXXX
Phone
XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX
XXXX XXXX, VA XXXX Requested On XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX
XXXX XXXX via TRANSUNION INTERACTIVE IN
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On XXXX
Phone
XXXX XXXX
XXXX Location
XXXX XXXX XXXX XXXX XXXX, IL XXXX
Requested On
XXXX XXXX XXXX
Phone
XXXX XXXX
XXXX via XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX
XXXX XXXX via XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX
Phone XXXX XXXX
XXXX XXXX via XXXX XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX
Phone
XXXX XXXX
XXXX via XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On
XXXX Phone XXXX XXXXXXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XXXX Phone XXXX XXXX XXXX XXXX XXXX.
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Requested On
XXXX XXXX
Phone XXXX XXXX XXXX XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Requested On
XXXX Phone
XXXX XXXX
TRANSUNION INTERACTIVE
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX
Phone
XXXX XXXX
XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX, PA XXXX Requested On
XXXX
Phone XXXX XXXX
XXXX XXXX
Location XXXX XXXX XXXX XXXX AZ XXXX Requested On
XXXX XXXX XXXX
Phone
(XXXX XXXX
XXXX via XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX
XXXX XXXX
Location
XXXX XXXX XXXX XXXX, FL XXXX Requested On
XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX
XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Requested On XXXX Phone
XXXX XXXX
XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX OH XXXX Requested On
XXXX XXXX XXXX Phone
XXXX XXXX
XXXX via XXXX XXXX Location XXXX XXXX XXXX XXXX TX XXXX Requested On
XXXX
Phone
XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX Requested On
XXXX
Phone
XXXX XXXX XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On
XXXX XXXX XXXX XXXX Phone
XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, WI XXXX Requested On
XXXX XXXX
Phone XXXX XXXX
XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone XXXX XXXX
XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX
XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Requested On
XXXX Phone
XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX WA XXXX
Requested On
XXXX Phone
XXXX XXXX
XXXX XXXX via XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX
Phone
XXXX XXXX XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested XXXX XXXX XXXX XXXX XXXX
Phone XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX XXXX via XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX
Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX GA XXXX Requested On XXXX Phone XXXX XXXX XXXX XXXX Location
XXXX XXXX XXXX XXXX IN XXXX Requested On XXXX XXXX
Phone XXXX XXXX XXXX via XXXX
Location
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XXXX XXXX Consumer Statement
Your TransUnion credit report contains the following consumer statements.
Statement Details
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH SIMILAR NAMES OR ADDRESSES. VERIFY ALL IDENTIFYING INFORMATION. DO NOT CONFUSE ME WITH RELATIVES WITH THE SAME NAME OR ADDRESS. VERIFY ALL IDENTIFYING INFORMATION. PLEASE DO NOT PUT ANY HARD OR SOFT INQUIRIES, OR CREDIT CARD ACCOUNTS UNTIL YOU CONTACT MY CELL PHONE NUMBER AT XXXX VERIFYING WHETHER IT IS ME THAT DID APPLY FOR OR OPEN A CREDIT CARD ACCOUNT. I AM A VICTIM OF IDENTITY THEFT, FRAUD, AND UNAUTHORIZED ACTIVITIES THAT ARE CURRENTLY OR HAVE PREVIOUSLY BEEN PLACED ON MY CREDIT REPORT TRYING TO PROTECT MY IDENTITY, AND MY SAFETY WHEN IT COMES TO FRAUD, UNAUTHORIZED ACTIVITIES,, AND IDENTITY THEFT.
(Note: This statement has no expiration date.)
Found an inaccuracy on your credit report?
START A DISPUTE REQUEST ONLINE
Found something inaccurate on your credit report? Visit transunion.com/dispute to start a dispute online.
To add, remove, or modify a fraud alert, please visit transunion.com/fraud-alerts.
Credit Report Messages
Your credit report contains the following messages
Security Alert
Active Duty Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX.)
Security Alert
Initial Fraud Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX.)
Security Alert
Extended Fraud Alert: Action may be required under FCRA before opening or modifying an account.
(Note: This alert is set to expire in XXXX.)
Security Freeze
Our records indicate that you have placed a credit freeze / security freeze or a lock on your TransUnion credit file. The credit information on this page has been delivered to you under the applicable exemption provisions: Providing a consumer with a copy of the consumer's credit report upon the consumer's request.
Promotional opt-out
This file has been opted out of promotional lists supplied by TransUnion.
(Note: This opt-out is set to expire in XXXX)
The opt out on your file will remain in effect until the expiration date specified above, unless you request it to be made permanent. To permanently opt out of promotional lists provided by TransUnion, you must send us a signed "Notice of Election" form, which can be obtained by writing us or calling us at XXXX and speaking with a representative.
Additional Information
More Info +
Inquiry Analysis
More Info +
Name Requested On
XXXX XXXX XXXX Third Party Supplemental Information
More Info +
Checking Account and Demand Deposit Account (DDA) XXXX XXXX XXXX
XXXX XXXX XXXX. (XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Requested by: XXXX
Requested on:
XXXX
Checking Account Inquiries in the Last Month:
0
Checking Account Inquiries in the Last 2 Months:
1
Checking Account Inquiries in the Last 3 Months:
1
Checking Account Inquiries in the Last 6 Months:
1
Checking Account Inquiries in the Last Year:
1
Checking Account Inquiries in the Last 2 Years:
2
DDA Inquiries in the Last 3 Years:
3
Total Days Since First Checking Account Inquiry: 769 Days Since Most Recent DDA Inquiry:
46
Credit Inquiries in the Last Year:
1
Credit Inquiries in the Last 3 Years:
3
DDA & Credit/Non-DDA Inquiries in Last 3 Years:
6
Supplemental Consumer Credit Information
Data Source:
XXXX XXXX (1 XXXX XXXX XXXX TX XXXX, XXXX XXXX)
Requested by:
XXXX Requested on: XXXX XXXX XXXXXXXX Inquiries in the Last 3 Months:
0
Auto Finance Inquiries in the Last 6 Months:
0
Auto Finance Inquiries in the Last 9 Months:
0
Auto Finance Inquiries in the Last 12 Months:
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Auto Finance Inquiries in the Last 24 Months:
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Auto Finance Inquiries in the Last 7 Years:
0
Cash Advance Inquiries in the Last 3 Months:
0
Cash Advance Inquiries in the Last 6 Months:
0
Cash Advance Inquiries in the Last 9 Months:
0
Cash Advance Inquiries in the Last 12 Months:
0
Cash Advance Inquiries in the Last 24 Months:
0
Cash Advance Inquiries in the Last 7 Years:
0
Misc Financial Services in the Last 7 Years:
2
Rent-to-Own Inquiries in the Last 3 Months:
0
Rent-to-Own Inquiries in the Last 6 Months:
0
Rent-to-Own Inquiries in the Last 9 Months:
0
Rent-to-Own Inquiries in the Last 12 Months:
0
Rent-to-Own Inquiries in the Last 24 Months:
0
Rent-to-Own Inquiries in the Last 7 Years:
0
All Alternative Credit Inquiries in the Last 3 months:
0
All Alternative Credit Inquiries in the Last 6 Months:
0
All Alternative Credit Inquiries in the Last 24 Months:
2
All Alternative Credit Inquiries in the Last 7 Years:
2
Paid Auto Finance Charge-offs in the Last 24 Months:
0
Paid Payday Loan Charge-offs in the Last 24 Months:
0
Paid Rent-to-Own Charge-offs in the Last 24 Months:
0
All Paid Charge-offs in the Last 3 Months:
0
All Paid Charge-offs in the Last 24 Months:
0
All Paid Charge-offs in the Last 7 Years:
0
Open Auto Finance Charge-offs in the Last 24 Months:
0
Open Payday Loan Charge-offs in the Last 24 months:
0
Open Rent-to-Own Charge-offs in the Last 24 Months:
0
All Open Charge-offs in the Last 3 Months:
0
All Open Charge-offs in the Last 6 Months:
0
All Open Charge-offs in the Last 9 Months:
0
All Open Charge-offs in the Last 12 Months:
0
All Open Charge-offs in the Last 24 Months:
0
All Open Charge-offs in the Last 7 Years:
0l
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| 01/22/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX Prohibition on inclusion of adverse information in consumer reporting in cases of human trafficking ( c ) Prohibition on Inclusion of Adverse Information of Trafficking Victims Section 605C ( b ) provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of trafficking in persons or XXXX trafficking if the consumer has provided trafficking documentation to the consumer reporting agency. Bureau finds that accepting documents filed in a court of competent jurisdiction where the consumers status as a victim of trafficking is a central issue and the courts actions after an initial review of the consumers claim passes a level of verification from the court will prevent a consumer reporting agency from furnishing a consumer report containing adverse information about a consumer that resulted from trafficking. Documentation received was not Honored by XXXX. This provision of the rule is also supported by the Bureaus regulatory authority under section 621 ( e ) of the FCRA. Bureau expects consumer reporting agencies to explore and implement a risk-based approach to verifying a consumer 's identity through both documentary and non-documentary means : XXXX is violating 1022.140 Prohibition against circumventing or evading treatment as a consumer reporting agency by denying Survivors right to Self attest as a victim of Human Trafficking. The Bureau finds that accepting documents filed in a court of competent jurisdiction where the consumers status as a victim of trafficking is a central issue and the courts actions after an initial review of the consumers claim passes a level of verification from the court will prevent a consumer reporting agency from furnishing a consumer report containing adverse information about a consumer that resulted from trafficking. Permit A Consumer To Self-Attest as a victim of trafficking if the document or an accompanying document is signed or certified by a Federal, State, or Tribal governmental entity, a court of competent jurisdiction, or the representatives of these entities ;, the Bureau is clarifying that the requirements in 1022.123 should be used for purposes of section 605C and tailored to the needs of victims of trafficking for purposes of establishing a consumer 's identity 605 ( C ) ( a ) ( 1 ) ( B ) provides that trafficking documentation is documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from a severe form of trafficking in persons the Bureau provided examples of adverse items of information that include records containing derogatory information, such as payment delinquencies or defaults reported to a consumer reporting agency on a loan or large purchase, records of coerced debt where a loan is taken out by a victim of trafficking under force or threat, records of criminal arrests and convictions, and records of evictions or non-payment of rent. Identifying Information means any name or number that may be used, alone or in conjunction with any other information, to identify a specific person, including any : ( 1 ) Name, social security number, date of birth, official state or government issued driver 's license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; ( 2 ) Unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; ( 3 ) Unique electronic identification number, address, or routing code; or ( 4 ) Telecommunication identifying information or access device ( as defined in 18 U.S.C. 1029 ( e ). In this case, without an identifiable concern, such as an indication that the report was fraudulent, it would not be reasonable for an information furnisher or consumer reporting agency to request additional information or documentation.Due to the sensitive nature involving victims of trafficking and because the Bureau does not believe the details surrounding ones victimization must be provided to consumer reporting agencies, consumer reporting agencies must accept these documents with redactions that omit any details that exceed what is sufficient to confirm an individual has been identified as a victim of trafficking. ( ii ) A consumer might provide a law enforcement report similar to the report in Paragraph ( i ) ( 1 ) of this section but certain important information such as the consumer 's date of birth or Social Security number may be missing because the consumer chose not to provide it. All that is required is a Consumer File Match. The identification information of the consumer including his or her full name ( first, middle initial, last, suffix ), any other or previously used names, current and/or recent full address ( street number and name, apt . no., city, state, and zip code ), full nine digits of Social Security number, and/or date of birth. The XXXX has refused to honor the submitted documents. Consequently, A consumer might provide a law enforcement report generated by an automated system with a simple allegation that an identity theft occurred to support a request for a tradeline block or cessation of information furnishing. In such a case, it would be reasonable for an information furnisher or consumer reporting agency to ask that the consumer fill out and have notarized the Bureau 's Identity Theft Affidavit or a similar form and provide some form of identification documentation.. A consumer might provide a law enforcement report generated by an automated system with a simple allegation that an identity theft occurred to support a request for an extended fraud alert. In this case, it would not be reasonable for a consumer reporting agency to require additional documentation or information, such as a notarized affidavit. However, a consumer often may instead be able to obtain a copy of the law enforcement affidavit or other documented statements from a governmental entity or entity with delegated authority from a governmental entity filed in the criminal court proceedings on behalf of the prosecution which would then constitute a victim determination made by a governmental entity under 1022.142 ( b ) ( 6 ) ( i ) ( A ) The Bureau is aware that some victims, given the nature of their victimization and subsequent involvement in crimes they were forced to commit as a result of having been trafficked, are apprehensive to interact with and obtain relief from a governmental entity or a court. The Bureau is adding 1022.142 ( b ) ( 6 ) ( i ) ( C ) to the final rule to provide that a signed statement by the consumer attesting that the consumer is a victim of trafficking is an acceptable victim determination if such statement or an accompanying document is signed or certified by a representative of an entity described in 1022.142 ( b ) ( 6 ) ( i ) ( A ) and ( B ). The Bureau stated it has not identified any standard determination procedures or forms in use by any governmental entities or courts concerning human trafficking for persons who are not foreign national adults ( i.e., United States citizens or lawful permanent residents ) .For purposes of submitting trafficking documentation to consumer reporting agencies, consumers are not required to reveal the details of their trafficking to consumer reporting agencies since doing so may cause some consumers to suffer additional harm. Therefore, the Bureau concludes that so long as a self- attestation made by a consumer is supported by a determination made by a Federal, State , or Tribal governmental entity or a court of competent jurisdiction, as described in 1022.142 ( b ) ( 6 ) ( i ) ( A ) or ( B ), it satisfies the trafficking documentation requirement as provided by 1022.142 ( b ) ( 6 ) ( i ) ( C ). The Bureau is finalizing 1022.142 ( b ) ( 6 ) ( i ) without adding to the text of the regulation a non-exhaustive list of documents that serve as a determination that a consumer is a victim of trafficking or a model self- attestation form. However, the Bureau notes that a victim may self-attest by making a statement to the effect that I attest that I am a victim of trafficking for purposes of section 605C of the Fair Credit Reporting Act. The signature of [ NAME ], employee of [ ORGANIZATION ] certifies this statement. The Bureau did not propose to prescribe what an adverse item of information in a consumer report is, because it may vary depending on the weight each individual user of a consumer report gives to certain items of information as well as the consumers individual circumstances. The Bureau stated this information could include the evaluation of factors enumerated in section 603 ( d ) of the FCRA on consumer reports such as : credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living. the Bureau provided examples of adverse items of information that include records containing derogatory information, such as payment delinquencies or defaults reported to a consumer reporting agency on a loan or large purchase, records of coerced debt where a loan is taken out by a victim of trafficking under force or threat, records of criminal arrests and convictions, and records of evictions or non-payment of rent. The Bureau is finalizing 1022.142 ( c ) as proposed. The Bureau concludes that the final rule applies to all types of adverse information, including criminal and license records, and should not contain an exception for law enforcement agencies to access such information. As explained in the section-by-section analysis of 1022.142 ( f ) below, the final rule requires a consumer reporting agency to provide written or electronic notice to the consumer within five days of reaching a final determination on a submission. Under the final rule, if a consumer has identified information resulting from trafficking as adverse, a consumer reporting agency must block that information. ( See XXXX XXXX XXXX XXXXXXXX FTC Identity Theft Report Number : XXXX ) The final rule also provides that a consumer reporting agency may not ask for information on the validity of the facts or circumstances detailed in the contents of the submitted trafficking documentation establishing the consumer is a victim of trafficking or whether the identified adverse information resulted from a severe form of trafficking in persons or XXXX trafficking under 1022.142 ( b ) ( 6 ). XXXX has deleted trafficking information. Perversely, The final rule also does not require consumer reporting agencies to delete adverse items of information identified by the victim of trafficking from the consumers credit file. The Bureau has determined that requiring consumer reporting agencies to delete that information would be counterproductive because, as explained above, the final rule does not require a consumer reporting agency to notify the furnisher of adverse information that a consumer has submitted the required documentation. If the information is deleted, but the furnisher is not provided with a reason, there is a substantial risk that the information will be reinserted into the report, whereas a block without deletion makes it more likely that the consumer reporting agency will not include the adverse information in future reports after the information is confirmed to remain blocked in 1022.142 ( e ) ( 3 ). Similar to the section- by-section analysis of 1022.142 ( e ) in the proposed rule, the Bureau does not interpret section 605C as giving the consumer reporting agency the discretion to contest the merits of the submitted trafficking documentation, if it meets the definition in section 605C ( a ) and in 1022.142 ( b ) ( 6 ) ( i ), nor does it interpret the statute as giving a consumer reporting agency the discretion to challenge a consumers determination that an adverse item of information resulted from a severe form of trafficking in persons or XXXX trafficking under 1022.142 ( b ) ( 6 ) ( ii ). The Bureau concludes that giving consumer reporting agencies additional discretion to evaluate the validity of the facts or circumstances detailed in the contents of trafficking documentation, as defined in 1022.142 ( b ) ( 6 ), would make it difficult for consumers to understand how to properly submit a request, may decrease the Bureaus ability to monitor for compliance, and could also lead to invalid reasons for declining or rescinding a block. As discussed in more detail above in the section-by-section analysis of 1022.142 ( c ), Congress did not provide an exception for criminal convictions and the final rule does not provide such an exception. The Bureau also concludes that the final rule should not provide a material misrepresentation of fact as a reason a consumer reporting agency may decline or rescind a block since the Bureau does not interpret section 605C ( a ) ( 1 ) as permitting a consumer reporting agency to make factual determinations on whether a consumer is a victim of trafficking or if adverse items of information identified by the consumer resulted from a severe form of trafficking in persons or XXXX trafficking. The Bureau also finds doing so could lead to confusion and result in improper denials if the consumer reporting agency inappropriately concludes that a material misrepresentation of fact was made. Accordingly, the Bureau is finalizing the proposed rule, with the clarifications noted above. The final rule will require consumer reporting agencies to accept trafficking and other documentation from consumers, process the submissions, and block any adverse item of information identified by the consumer that resulted from a severe form of trafficking in persons or XXXX trafficking under 1022.142 ( d ) ( e ) ) Authority to decline or rescind a block. A consumer reporting agency may decline to block, or may rescind any block of, adverse items of information resulting from a severe form of trafficking in persons or XXXX trafficking, in accordance with the timing requirements under paragraph ( e ) ( 2 ) ( ii ) of this section, only where the consumer reporting agency can not reasonably confirm the appropriate proof of identity under paragraph ( b ) ( 1 ) of this section for the consumer, and, if applicable, the consumers representative, the consumer can not provide documentation consisting of a victim determination under paragraph ( b ) ( 6 ) ( i ) of this section, or the consumer reporting agency can not properly identify the adverse items of information under paragraph ( b ) ( 6 ) ( ii ) of this section. A consumer reporting agency may not, however, decline to block or rescind any block of adverse information identified by the consumer or if applicable, the consumers representative, based on the validity of the facts or circumstances detailed in the contents of the submitted trafficking documentation as defined in paragraph ( b ) ( 6 ) of this section.
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| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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The Fair Credit Reporting Act, 15 U.S.C. 1681, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XXXX, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
This complaint is to advise that XXXX has failed to honor our rights under the FCRA act which gives us the right to obtain a FULL, COMPLETE, PRINTED copy of our credit reports upon request! The option to dispute, delete, suppress and opt out of inaccurate consumer reporting.
On XX/XX/XXXX, my daughter and I submitted an online request at XXXX to receive copies of our credit reports! We were denied access because we failed to answer security questions correctly due to the information not belonging to us. Her report was asking questions about me and my report was asking questions about her. We were also being asked questions that we thought didn't apply to us because neither of us have accounts associated with some of the security questions asked. That same day, we called XXXX and spoke to someone over the phone and requested to receive copies of our credit reports to be mailed to us! The agent was not from the United States so there was a language barrier issue. The agent continued to ask us NONE specific questions like, do you have a car loan, student loan or mortgage that was obtained within the last 2 years and if so, what is the name of the provider, original loan amount and monthly payment due. Every time we gave him our student loan information he would ask if we had anything else. Any other loans. We continued to name each student loan listed on our XXXX XXXX accounts because we didn't have physical copies of the reports and needed them to see the accuracy of everything. We continued to fail verification even though we provided information exactly as presented on the XXXX XXXX app. The agent was confused about how to pronounce the words, when we asked him to spell things, he got mad and eventually hung up on us.
On XX/XX/XXXX we tried calling XXXX again requesting copies of our credit reports. We received another NONE United States agent. This time the questions made a little more since but the agent still was confused about the difference of HAD and HAVE. We asked him if he was saying H.A.D as in old and closed or H.A.V.E as in current and opened. He said either one would be fine. So we gave him our CURRENT account information and failed verification again! We requested a supervisor and he hung up on us instead!
On XX/XX/XXXX we called XXXX to request a copy of our credit reports and spoke to another NONE US Citizen. She was very polite at first and then got upset when we asked her speak a little slower so that we can understand what she was saying. She said that she had other calls that she needed to take and didn't have time to keep talking to us. We asked for her supervisor and she said that there wasn't an available supervisor but she could take our number and have one call us back. We told her that we didn't have a phone so we'd like to just continue waiting on hold. She hung up on us.
On XX/XX/XXXX, we called XXXX and spoke to an agent that was able to assist us properly. He was understanding of our concerns and promised that we'd receive our credit reports within the next 7-10 business days. We never received a copy of the reports.
On XX/XX/XXXX, my daughter and I called CFPB and submitted a complaint # XXXX against XXXX and it read as follows : " My complaint is that the credit report is adding us as aliases of one another so my information is on my daughter credit report and her information is on my credit report. We have send in documentation several time to proof that we are not the same individual, they have refuse to separate us. Even though we have different last name, different social security and different date of birth. They have refuse to send us both copies of our most resent credit report. We requested they put a freeze on both of our credit report and they haven't done so. They have fails to verify the accuracy of the information that they are adding to both of our credit report. This causing us both to be denied credit, apartments and other assistance the information that we giving them is not matching with the information that is been reported to our credit report. We have requested the they separate us and they haven't done so. '' The CFPB agent didn't include exactly what we advised her to say but, it was close enough! So we just waited for a response from XXXX. On XX/XX/XXXX, XXXX responded to the CFPB that they needed more time, they were still working on the complaint, that they would do an investigation and send us copies of our credit reports after the investigation was done. On XX/XX/XXXX, 35 days later, the company closed out the complaint stating that they needed more information from us. Therefore, refusing to send us copies of our credit reports and no information regarding the investigation. So basically, they just stalled out the process only to deny us access to our credit reports again!
On XX/XX/XXXX, we filed another complaint # XXXX with CFPB because XXXX kept reporting incorrect information. The complaint read as follows : " XXXX reported the incorrect balances in XXXX, XXXX & XX/XX/XXXX. XXXX didnt resolve the problem. Only made it worse. My XXXX XXXX decreased by 79 points because the company reported balances that were not equivalent to the actual statement balances. Theyre reporting balances AFTER the statement closes which are higher. I was denied credit and denied credit line increases because my utilization has been at 58 % or higher because of their errors instead of being at the recommended 30 % or less. '' XXXX responded on XX/XX/XXXX stating that they'd completed the investigation and send us the results after the credit card companies respond to them. We have received no results, no credit reports, no information from the credit bureau at all. Another refusal to give us access to our reports!
On XX/XX/XXXX, I registered and paid for the 3-in-1 report and scores from XXXX because I was not successful with XXXX directly. I reviewed the report and called XXXX to request deletion of all incorrect personal information. I asked that ALL misspelled names, addresses, phone numbers, employers, fraud alert and inquiries are removed, deleted and suppressed effective immediately. I also requested to be permanently removed and opted out of all soliciting, marketing, promotional offers and information sharing or selling. I advised the agent that I did not want anyone to be able to access my credit report without my permission. We added a security freeze! I was not provided with a pin number nor was I able to create my own. I also requested to receive a NEW, FULL, COMPLETED, PRINTED copy of my report AND a separate copy of the investigation. As of today, XX/XX/XXXX, I have received nothing. No credit report or investigation results.
On XX/XX/XXXX, I printed, mailed and faxed a dispute letter to XXXX regarding incorrect information being reported on my credit report. As of today, XX/XX/XXXX, I have not received a response, no investigation results, no new credit report. ( Letter Attached ) On XX/XX/XXXX, my daughter and I called XXXX again! Requested the same information above less the security freeze! We requested a FULL, COMPLETE, PRINTED copy of our credit reports and to be opted out of soliciting, information sharing, marketing and for our files to be suppressed. This company is fraudulently reporting incorrect information for my daughter and I. They are fraudulently reporting that we are the same person. They are illegally reporting that we are aliases of one another. We do have the same first name only and different last names. She's my daughter so we have resided at the same addresses and we've been authorized on each other 's credit cards, etc BUT we have different date of birth 's and different social security numbers. This company has failed to verify any type of facts before sharing personal information and details. Because the names are similar, they never take the time to confirm and verify if it is the same person or not. They have caused my daughter and I to be declined credit, declined rental assistance, rejected applications and higher interest rates and security deposits. They have never verified if we are the same person or not even though our information is completely different. Both of our information is listed on each other 's credit reports, public records, background checks, employment history, 3 major credit reporting agencies, insurance reports, etc ... We are requesting that this company completely remove all incorrect information listed in the attached letters effective immediately! We are requesting that the company sends each of us SEPARATE copies of our credit reports and files for us to each review. We are requesting that a security freeze is added to both of our files so that no further misleading, misinformation, incorrect, fraudulent information is reported again. We are requesting that they refund us for the extra time and money that we had to pay out of pocket to dispute, repair and correct our profiles only for them to submit the incorrect information illegally again. We are requesting a refund of the extra interest rates that we were charged because our scores decreased due to incorrect reporting. We are requesting that this information is completed expeditiously and that it is not delayed or held up any further. This company stated that they have no control over what other company 's submit to them or have no control over what my score is or what my report reflects. This company continues to report the wrong name, spelling of my name, wrong last name, wrong addresses, wrong phone numbers and wrong credit information. This company has failed to send us a physical paper copy of our credit reports. I have called them consistently requesting a paper copy of my report. WE WANT A PHYSICAL COPY OF THE REPORT! WE DO NOT HAVE A PERSONAL COMPUTER, PRINTER, COPIER OR FAX MACHINE! SEND A PAPER STATEMENT OF THE ACTUAL REPORT! They have also failed to remove any incorrect information for me including personal information, credit inquires and credit accounts. WE NEED AN EXPEDITED, CURRENT COPY OF OUR CREDIT REPORT TO BE SENT TO US VIA OVERNIGHT SHIPPING EFFECTIVE IMMEDIATELY! '' They ask for our names, addresses, social security numbers and if we want to add a phone number to the profile. Each time, we tell them that we DO NOT WANT TO ADD A PHONE NUMBER TO THE PROFILE! We need a FULL, COMPLETE, PRINTED COPY TO BE MAILED US so that we can see what's actually in the report BEFORE we dispute it! OUR FULL NAME, SOCIAL SECURITY NUMBER, PHONE NUMBER, CREDIT ACCOUNT INFORMATION, ADDRESSES and EMPLOYERS need to ne CORRECTED IMMEDIATELY! WE NEED TO BE SEPARATED EFFECTIVE IMMEDIATELY!
XXXX wants us to verify INCORRECT, INVALID INFORMATION THAT THEY HAVE LISTED IN THE CREDIT REPORTS! IT IS WRONG! IT IS NOT US! FIX IT!
We don't get to choose what is or isn't reported. This explains why I was a victim of identity theft! They volunteer personal, sensitive, private information to individuals. They sell, market and share your information with anyone! I am requesting that the CFPB assists me with filing a lawsuit against this company effective immediately because my information has been listed on the dark web, emails and phone numbers have been comprised and cloned. I have been a victim of identity theft and could not figure out until now how individuals were able to obtain my information so easily. I have had to pay credit monitoring services, been denied credit, credit scores are at an all time low and I am consistently fighting with the credit bureaus regarding accounts, inquiries and information that doesn't belong me. This letter is to inform, request and advise XXXX that the personal information and accounts being reported by your company on our credit reports are inaccurate, incorrect and do not belong to either my daughter or myself and that I am officially notifying you that I am disputing the information and demanding that it is all deleted, removed and suppressed effective immediately! I recently disputed these accounts and personal information with the credit reporting bureaus that you are currently reporting to and the information was reported as verified and accurate. Im sure we both understand that most disputes are often conducted using software such as e-Oscar and that mistakes can and often are made during that process, it is a known fact that the software can have limitations when it comes to completing a proper investigation of records. We are disputing the information directly with you, the furnisher of information and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation and are unable to locate the necessary documents to investigate my disputes, then you are required by the FCRA to remove the negative information from our credit reports which can also include complete removal of the account. If you were able to conduct a proper investigation of the records for these accounts and have identified the information that was being incorrectly reported, you were supposed to furnish me with the proof immediately. But since you failed to supply us or furnish the reports immediately upon our requests and delayed sending us the information, you didn't abide by the FCRA law! We are also requesting that you send us an explanation of the methods used and a description of the records reviewed when you conducted your investigation ; including sending copies of that information to us so that we can conduct our own investigation into the accuracy of your records and verify that a reasonable investigation was completed. This letter was submitted to you via CFPB website complaint portal. If need be, the items will also be faxed, emailed and sent via US Mail. This letter is an attempt to correct the false or misleading information you are reporting on our consumer credit reports and to correct your records NOW! ALL INCORRECT INFORMATION REMOVED! ALL INCORRECT INFORMATION SUPPRESSED! WE NEED TO BE OPTED OUT OF YOUR MARKETING TACTICS! DO NOT SHARE, SOLICIT OR SELL OUR INFORMATION TO ANYONE ELSE! DO NOT REPORT INFORMATION TO ANY OTHER COMPANIES OR INDIVIDUALS EFFECTIVE IMMEDIATELY!
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| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the XXXX XXXX XXXX, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UNKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX {$420.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated,. My personal information was sold to a non affiliate per 16 CFR 313.1 -313.7 XXXX XXXX {$960.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated, My personal information was sold to a non affiliate per 16 CFR 313.1 -313.7 XXXX XXXX {$17000.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated 16 CFR 433.1-433.3, This account is suppose to be updated as paid as agreed with no transactional history being reported 15 U.S. Code 1666b.
XXXX XXXX XXXX XXXXXXXX {$500.00} XXXX Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out, 16 CFR 313.1-313.7 my rights are being violated, This account with credit one is suppose to be updated as paid as agreed with no transactional history being reported. 15 U.S. Code 1666b.
XXXX XXXX XXXX XXXX Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out, 16 CFR 313.1-313.7 my rights are being violated, This account with credit one is suppose to be updated as paid as agreed with no transactional history being reported. 15 U.S. Code 1666b XXXX XXXX - {$0.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated, This account is updated as paid as agreed but should also show no transactional history being reported. 15 U.S. Code 1666b XXXX XXXX XXXX {$930.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated, This is suppose to be updated as paid as agreed with no transactional history being reported 15 U.S. Code 1666b. they have the account closes and then activity of a late payment after which can not be done.
XXXX XXXX {$890.00} Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated, This account with is suppose to be updated as paid as agreed with no transactional history being reported. 15 U.S. Code 1666b XXXX XXXXXXXX XXXX XXXX- Per the privacy act of 1974 and 15 USC 6802-6805 Opt-out my rights are being violated This account is suppose to be updated as paid as agreed with no transactional history being reported. 15 U.S. Code 1666b AS well as the rest of the laws listed here go in to how my rights were violated and take advantage of in suchMoreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT AGENCY are required to remove any items not later than 4 business days after the receipt.
15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report.
In accordance with the Fair Credit Reporting act has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days.
15 U.S. Code 1681b - Permissible purposes of consumer reports a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make paymentsA creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose,- they can not report late payments on ypur credit card on for any purpose 31 CFR 29.518 - Reporting delinquent debts to credit bureaus.
e ) Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals in three primary ways. It provides individuals with : the right to request their records, subject to Privacy Act exemptions ; the right to request a change to their records that are not accurate, relevant, timely or complete ; and the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information.
( b ) CONDITIONS OF DISCLOSURE.No agency shall disclose any record which is contained in a system of records by any means of communica- tion to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Opt out ( 1 ) In generalA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; 5 U.S. Code 552a - Records maintained on individuals ( i ) make any correction of any portion thereof which the individual believes is not accurate, relevant, timely, or complete ; or n ) Mailing Lists.
An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law.
Civil Remedies.Whenever any agency- makes a determination under subsection ( d ) ( 3 ) of this section not to amend an individuals record in accordance with his request, or fails to make such review in conformity with that subsection ; ( B ) refuses to comply with an individual request under subsection ( d ) ( 1 ) of this section ; ( C ) fails to maintain any record concerning any individual with such accuracy, relevance, timeliness, and completeness as is necessary to assure fairness in any determination relating to the qualifications, character, rights, or opportunities of, or benefits to the individual that may be made on the basis of such record, and consequently a determination is made which is adverse to the individual 16 CFR 313.3 ( 1 ) Nonaffiliated third party means any person except : ( ii ) A person employed jointly by you and any company that is not your affiliate ( but nonaffiliated third partyincludes the other company that jointly employs the person ).
( 2 ) Nonaffiliated third party includes any company that is an affiliate by virtue of your or your affiliate 's direct or indirect ownership or control of the company in conducting merchant banking or investment banking activities of the type 16 cfr 313.3 states ( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15.
1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 15 U.S. Code 1601- Congressional findings and declaration of purpose It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
16 CFR 433.1 d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
6 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).
433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).
( a ) Any seller who has taken or received an open end consumer credit contractbefore XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.
( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1.
( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.
( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
15 U.S. Code 1692e - False or misleading representations 15 USC 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
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| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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RE : Account ( s ) : XXXX, XXXX, XXXX, XXXX, XXXX RE : Notice of Intent to Sue To Whom It May Concern, This letter is to simply notify you of my intent to file a FTC Complaint with the intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove this erroneous account from my credit report IMMEDIATELY. Your continued delays are inexcusable, due to your blatant disregard of the law.
I, XXXX XXXX XXXX never gave Transunion or XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute..
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
You also DO NOT have any permissible purpose to furnish my personal information to any third party.
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following accounts. As of this moment, you have NOT done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you accountable. I will resend this letter via fax and mail all my documents again along with this letter. I have not had to go this far with the other bureaus because XXXX have complied with the law and have REMOVED these accounts from my reports permanently which I also will attach to this letter. So you are also in violation of Metro-2 compliance because XXXX is the only bureau that is deciding to report this inaccurate information after it had already been deleted previously. Just for the record, the following information is being erroneously included on my consumer report, as I have advised you on several separate occasions.
1. The following account is NOT MINE XXXX XXXX Account number : XXXX XXXX. The following account is NOT MINE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. The following account is NOT MINE XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX XXXX. The following account is NOT MINE XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX. The following account is NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX These accounts which are not metro 2 compliant should have been deleted for not following the industry standard required to maintain maximum possible accuracy. Accounts SHOULD BE BOTH 100 % ACCURATE AND COMPLETE but ARE NOT ACCURATE AND COMPLETE. This has been an utter failure to follow your reasonable procedures required by 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) and ( ii ).
XXXX. NAME OF ACCOUNT : XXXXXXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported XXXX, TransUnion reported XXXX, XXXX reported ' XXXX " ACCOUNT TYPE : XXXX reported 'Unsecured ', TransUnion reported 'Unsecured ' XXXX XXXX reported XXXX XXXX XXXX ACCOUNT DETAIL : XXXX reported 'loan ', TransUnion reported 'loan ', XXXX XXXX ' XXXX XXXX XXXX XXXX XXXX XXXX reported 'cosigner ', TransUnion reported 'cosigner ', XXXX reported ' XXXX " ACCOUNT STATUS : XXXX XXXX Derogatory, TransUnion reported Derogatory, XXXX reported XXXX XXXX XXXX XXXX PAYMENT : XXXX XXXX {$0.00}, TransUnion reported {$0.00}, XXXX reported ' XXXX XXXX DATE OPENED : XXXX XXXX XX/XX/XXXX, TransUnion reported XX/XX/XXXX, XXXX reported XXXX XXXX XXXX BALANCE : XXXX reported XXXX {$6300.00} ', TransUnion reported " {$6300.00} ', XXXX reported XXXX XXXX XXXX NUMBER OF MONTHS : XXXX reported ' -- ', TransUnion reported ' XXXX ', XXXX reported ' XXXX " HIGH CREDIT : XXXX XXXX ' -- ', TransUnion reported ' -- ', XXXX reported ' XXXX " CREDIT LIMIT : XXXX XXXX ' -- ', TransUnion reported XXXX XXXX XXXX, XXXX reported ' XXXX " PAST DUE : XXXX XXXX " {$6300.00} ', TransUnion reported " {$6300.00} ', XXXX reported XXXX XXXX XXXX PAYMENT STATUS : XXXX XXXX XXXX '', TransUnion reported XXXX '', XXXX reported ' XXXX " LAST REPORTED XXXX XXXX reported XX/XX/XXXX, TransUnion reported XXXX XXXX, XXXX reported ' XXXX XXXX LAST ACTIVE DATE : XXXX XXXX ' XXXX ', TransUnion XXXX ' -- ', XXXX reported XXXX ' LAST PAYMENT DATE : XXXX reported XXXX '', TransUnion reported XXXX XXXX, XXXX reported ' XXXX " XXXX. NAME OF ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported XXXX, TransUnion XXXX XXXX, XXXX XXXX ' -- " ACCOUNT TYPE : XXXX reported 'debt buyer ', TransUnion reported 'open account ', XXXX reported ' XXXX " ACCOUNT DETAIL : XXXX reported XXXX XXXX ', TransUnion reported ' XXXX ', XXXX reported ' XXXX " XXXX XXXX : XXXX reported XXXX XXXX XXXX, TransUnion reported 'indivisual XXXX, XXXX reported XXXX XXXX XXXX ACCOUNT STATUS : XXXX reported XXXX, TransUnion reported in collection XXXX XXXX reported XXXX XXXX XXXX MONTHLY PAYMENT : XXXX reported {$0.00}, TransUnion reported {$0.00} XXXX XXXX reported ' XXXX XXXX DATE OPENED : XXXX reported XX/XX/XXXX, TransUnion reported XXXX XXXX XXXX, XXXX reported ' XXXX XXXX BALANCE : XXXX reported " {$670.00} ', TransUnion reported " {$670.00} ', XXXX reported XXXX XXXX XXXX NUMBER OF MONTHS : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX HIGH CREDIT : XXXX reported XXXX XXXX XXXX, TransUnion reported XXXX XXXX XXXX, XXXX reported ' XXXX XXXX CREDIT LIMIT : XXXX reported ' -- ', TransUnion reported XXXX XXXX XXXX, XXXX reported ' -- XXXX PAST DUE : XXXX reported " {$670.00} ', TransUnion reported " {$670.00} ', XXXX reported ' -- XXXX PAYMENT STATUS : XXXX reported ''Collection account '', TransUnion reported ''Collection account '', XXXX reported ' XXXX " LAST REPORTED : XXXX reported XX/XX/XXXX, TransUnion reported XXXX ', XXXX XXXX XXXX XXXX XXXX LAST ACTIVE XXXX : XXXX reported XXXX XXXX XXXX TransUnion reported ' XXXX ', XXXX XXXX ' XXXX " LAST PAYMENT XXXX : XXXX reported XXXX XXXX '', TransUnion reported XXXX XXXX ', XXXX XXXX ' -- " XXXX. NAME OF ACCOUNT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported XXXX, TransUnion XXXX XXXX, XXXX XXXX ' -- " ACCOUNT TYPE : XXXX reported 'debt buyer ', TransUnion reported XXXX account ', XXXX reported ' XXXX " ACCOUNT DETAIL : XXXX reported ' XXXX ', TransUnion reported ' XXXX ', XXXX reported ' XXXX " XXXX XXXX : XXXX reported XXXX XXXX XXXX, TransUnion reported 'indivisual XXXX, XXXX reported ' XXXX XXXX ACCOUNT STATUS : XXXX reported XXXX TransUnion reported in collection XXXX XXXX reported ' XXXX XXXX MONTHLY PAYMENT : XXXX reported {$0.00}, TransUnion reported {$0.00} XXXX XXXX reported ' -- XXXX DATE OPENED : XXXX reported XX/XX/XXXX, TransUnion reported XXXX XXXX XXXX, XXXX reported ' -- XXXX BALANCE : XXXX reported " {$1300.00} ', TransUnion reported " {$1300.00} ', XXXX reported ' -- XXXX NUMBER OF MONTHS : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX HIGH CREDIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX CREDIT LIMIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX PAST DUE : XXXX reported " {$1300.00} ', TransUnion reported " {$1300.00} ', XXXX reported ' -- XXXX PAYMENT STATUS : XXXX reported ''Collection account '', TransUnion reported ''Collection account '', XXXX reported ' -- " LAST XXXX : XXXX reported XX/XX/XXXX, TransUnion reported XXXX ', XXXX XXXX ' -- " LAST ACTIVE XXXX : XXXX reported ' -- ', TransUnion reported ' -- ', XXXX XXXX ' -- " LAST PAYMENT XXXX : XXXX reported ' -- '', TransUnion reported ' -- ', XXXX XXXX ' -- " XXXX. NAME OF ACCOUNT : XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported --, TransUnion reported XXXX, XXXX reported XXXX -- " ACCOUNT TYPE : XXXX reported ' -- ', TransUnion reported 'Open Account ', XXXX reported ' XXXX " ACCOUNT DETAIL : XXXX reported ' -- ', TransUnion reported ' XXXX ', XXXX reported ' XXXX " XXXX XXXX : XXXX reported ' -- ', TransUnion reported 'Indivisual XXXX, XXXX reported ' -- XXXX ACCOUNT STATUS : XXXX reported --, TransUnion reported derogatory, XXXX reported ' -- XXXX MONTHLY PAYMENT : XXXX reported --, TransUnion reported {$0.00} XXXX XXXX reported ' -- XXXX DATE OPENED : XXXX reported --, TransUnion reported XXXX XXXX XXXX XXXX reported ' -- XXXX BALANCE : XXXX reported ' -- ', TransUnion reported " {$5300.00} ', XXXX reported ' -- XXXX NUMBER OF MONTHS : XXXX reported ' -- ', TransUnion reported XXXX ' XXXX XXXX reported ' -- XXXX HIGH CREDIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX CREDIT LIMIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX PAST DUE : XXXX reported ' -- ', TransUnion reported " {$5300.00} ', XXXX reported ' -- XXXX PAYMENT STATUS : XXXX reported ' -- ', TransUnion reported ''Collection account '', XXXX reported ' -- " XXXX REPORTED : XXXX reported --, TransUnion reported XXXX ', XXXX reported ' -- " LAST XXXX DATE : XXXX reported ' -- ', TransUnion reported ' -- ', XXXX reported ' -- " LAST XXXX DATE : XXXX reported ' -- ', TransUnion reported ' -- ', XXXX reported ' -- " XXXX XXXX NAME OF ACCOUNT : XXXX XXXX, CARE OF XXXX XXXX XXXX L.P ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported --, TransUnion reported XXXX, XXXX reported ' -- " ACCOUNT TYPE : XXXX reported ' -- ', TransUnion reported 'open account ', XXXX XXXX ' -- " ACCOUNT DETAIL : XXXX reported ' -- ', TransUnion XXXX XXXX XXXX ', XXXX XXXX ' -- " XXXX XXXX : XXXX reported ' XXXX ', TransUnion XXXX 'indivisual ', XXXX reported XXXX XXXX " ACCOUNT STATUS : XXXX reported XXXX, TransUnion reported XXXX collection, XXXX reported XXXX XXXX " MONTHLY PAYMENT : XXXX reported --, TransUnion reported {$0.00}, XXXX reported XXXX -- " DATE OPENED : XXXX reported --, TransUnion reported XXXX XXXX, XXXX reported XXXX -- " BALANCE : XXXX reported XXXX XXXX ', TransUnion reported XXXX {$3100.00} ', XXXX reported XXXX XXXX " NUMBER OF MONTHS : XXXX reported ' XXXX ', TransUnion reported XXXX -- ', XXXX reported XXXX -- " HIGH CREDIT : XXXX reported ' XXXX ', TransUnion reported XXXX {$2500.00} ', XXXX reported XXXX XXXX " CREDIT LIMIT : XXXX reported ' -- ', TransUnion reported XXXX XXXX ', XXXX reported XXXX -- " PAST DUE : XXXX reported ' XXXX ', TransUnion reported XXXX {$3100.00} ', XXXX reported XXXX XXXX " PAYMENT STATUS : XXXX reported ''Collection account '', TransUnion reported ''Collection account '', XXXX reported ' XXXX XXXX LAST REPORTED : XXXX reported XXXX TransUnion reported XXXX ', XXXX reported ' XXXX " XXXX ACTIVE DATE : XXXX reported ' XXXX ', TransUnion reported ' -- ' XXXX XXXX reported XXXX XXXX XXXX LAST PAYMENT DATE : XXXX reported XXXX XXXX '', TransUnion reported XXXX XXXX XXXX XXXX XXXX reported ' XXXX XXXX XXXX. I have proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.
XXXX. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.
XXXX. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.
XXXX. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.
XXXX. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.
I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE. Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the reason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.
I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ XXXX {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.
Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there. I didnt have to go this far with other consumer bureaus because they simply complied with the law and removed the inaccuracies that they were reporting.
If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.
I take my credit very seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response. Please note that this letter is being sent by both fax ( for expedition ) and certified mail ( for proof of receipt ) and, just like the previous correspondence between you and I, will be tracked and may be used against you. Your response to this letter is urgent and humbly requested within the next 15 days.
Sincerely, XXXX XXXX
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XXXX, transunion, and XXXX you have been given more then enough information proving the breached of contract between XXXX XXXX XXXX and my husband and I. We will be sueing each of you in small claims court for the max in Michigan XXXX for the extensive damage you have caused our family as my husband is being denied use of his credit because of the banks fraud!
this is the legal documents being submitted in the court. this has become ridiculous and your threes complete ignorance on laws and basically not giving a XXXX that the banks has not only stollen from us but are reporting on stollen money? you can explain your selves to the judge when im done with the bank.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- To date XXXX and XXXX XXXX have made and exorbitant number of attempts to come to a reasonable resolution to the breach contract with XXXX XXXXXXXX XXXX, the denial of use of the XXXX XXXX XXXX vehicle service contract. The continued denial of use of the vehicle service contract purchased on XXXX XXXX in the amount of XXXX, carrying a XXXX percent interest rate has caused significant Economic, monetary, and psychological including the denial of social pleasure and enjoyment.
The XXXX XXXX XXXX XXXX in questions was financed through XXXX XXXX XXXX in the amount of XXXX, after a {$5000.00} cash payment was given to the auto dealer. Both the vehicle and service contract were financed through XXXX XXXX XXXX. From the beginning ot the loan agreement arise began to arise. XXXX contacted the bank regarding the charges added to the loan for the service XXXX. XXXX XXXX had guaranteed the cost of the Vehicle Service Contract was included in the {$11000.00} price tag of the XXXX XXXX XXXX XXXX. They was no assistance or investigations made, even after we explained that the dealership signed most of our loan documents per the XXXX foot covid rules and most of the transaction took place in the car itself not the building. After being denied an adjustment on the loan account, they then attempted to use the service contract and it was nearly impossible to find a mechanic who would honor the warranty as they were know not to pay.
The vehicle was diagnosed with XXXX XXXX XXXX XXXXs in XX/XX/XXXX and has not been driven since. From the month of XX/XX/XXXX to XX/XX/XXXX XXXX and XXXX have made payments to XXXX XXXX XXXX in the amount of XXXX, even though they have been denied the use of the vehicle and vehicle service contract. These payments include XXXX time processing fees in the amount of $ XXXX {$9.00} per transaction.
XXXX owns a XXXX XXXX XXXX XXXXy called XXXX in the XXXX XXXX. She Makes XXXX XXXX XXXX XXXX XXXX XXXX from her home and sells them locally. The continued denial of use of her XXXX XXXX XXXX XXXX has forced her to pay excessively higher grocery fees, delivery fees, tips, and inflated prices on nearly all orders she takes. She can not drive her vehicle to the store to purchase items for herself, family, or business. Most items must be ordered and delivered on demand per custom orders or the simple need for milk or XXXX XXXX XXXX XXXX XXXX. The loss of revenue for her business has been exorbitant as well as the money taken from the children in order to pay someone else to deliver daily necessities. From XX/XX/XXXX to date XXXX has spent XXXX on delivery services for food, diapers, formula, and other daily necessities as her vehicle remains disassembled at XXXX XXXX XXXX waiting a payment in the amount of XXXX the current balance, as well as XXXX which was only an estimate given and giving the rise in the cost of living it is likely the estimate and rates have changed in XXXX years.
The Following information will outline in detail the repeated attempts the XXXX have made to rectify the situation, as well as additional damages that have incurred and other supporting information pertinent to the complaint.
There have been multiple wrongful and unjust claim denials for covered vehicle service contract repairs made by both XXXX XXXX XXXX and XXXX XXXX XXXX in regard to XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. which include misrepresentations, lack of industry knowledge, and simply coming up with any excuse to deny the claim even if breaking the law ( Exhibit XXXX ). XXXX XXXX XXXX and XXXX XXXX XXXX have worked together to intentionally and wrongfully deny both XXXX and XXXX XXXX claims. Which in turn has resulted in both a denial of use of their vehicle, as well as the agreed upon service contract, damage to both XXXX and XXXX XXXX XXXX, denial of new loans, and continued financial hardships.
In XXXX of XXXX the XXXX XXXX XXXX XXXX showed signs of electrical failure and it was quickly taken to an auto repair shop for diagnostics. The truck was there for about XXXX week, as most shops are extremely busy, and it was Diagnosed with XXXX XXXX XXXX XXXX and they needed to be replaced. XXXX XXXX of XXXX XXXX, Michigan, where this original diagnostic was performed was unable to that extensive repair work and XXXX and XXXX XXXX and to seek another XXXX shop to repair the engine. This was the first attempt to deny the claim. It was nearly impossible for the plaintiffs to find a repair shop to both honor the claim and have the capability to do the needed repair work. Which has been noted by other consumers ( Exhibit XXXX XXXX ). XXXX and XXXX XXXX both contacted XXXX XXXX care in hope at finding a repair shop and they stated to call the Car dealership for a list. After calling the car dealership for assistance, the car dealership then told the XXXX they could not help them to call the Bank for assistance. After calling the Bank, XXXX XXXX XXXX stated to call the warranty company for a list or assistance and the vicious circle began. It took nearly 6 months for the plaintiff to find a repair shop capable of doing the engine repair work and that would take the XXXX XXXX XXXX XXXX, though these were hesitant.
XX/XX/XXXX the XXXX XXXX was towed to XXXX XXXX XXXX for another diagnostics as they sated they were capable to do the repair work initially diagnosed.
From the month of XXXX through XX/XX/XXXX XXXX, XXXX, and XXXX XXXX XXXX all waited for XXXX XXXX XXXX to show up to ensure the engine in fact needed XXXX XXXX XXXX XXXX the work could be completed. This turned into the second attempt to deny the repair work. They tried to let the warranty run out. XXXX XXXX XXXX simply did not show up to inspect the vehicle after repeated phone calls. XXXX XXXX XXXX stated the timeframe had passed to use the warranty and unfortunately the claim would be denied. The owner of XXXX XXXX himself contacted the warranty company again and stated the truck had been in his shop for XXXX months waiting for there service provider to arrive to inspect it.
After getting no resolution through complaints made directly to XXXX XXXX XXXX and XXXX XXXX XXXX both XXXX and XXXX XXXX both started filing complaints with government agencies and regulatory departments including The Consumer Financial Protection Bureau, Department of Insurance and Financial Services, the Federal Trade Commission, and XXXX XXXX XXXX. ( Exhibits XXXX XXXX XXXX XXXX ) The responses help no reasonable resolution to the claim denials and most letters included false statements and misrepresentations of the claim at hand.
In the month of XXXX of XX/XX/XXXX an appointment was finally scheduled, and XXXX XXXX XXXX inspected the trucks engine and the claim was approved. later that very same day, XXXX XXXX XXXX called XXXX XXXX XXXX and changed the approved claim to Denied. After the truck was dismantled and work had began. XXXX XXXX XXXX claim department stated the reason for claim denial is because there were modifications made to the vehicle, specifically a XXXX XXXX XXXX XXXX and they would in fact not cover the claim. There is not a XXXX XXXX XXXX XXXX nor was there ever a XXXX XXXX XXXX XXXX installed on this truck. ( Exhibit XXXX XXXX, XXXX ) XXXX XXXX XXXX continued to misrepresent the part only until the part manufacturers themselves wrote a letter to the attorney generals office to help clarify the situation ( exhibit XXXX, XXXX ). A XXXX XXXX XXXX XXXX in fact was never installed on this Vehicle. ( Exhibit XXXX XXXX, XXXX ) On XX/XX/XXXX XXXX and XXXX XXXX sent XXXX XXXX XXXX and XXXX XXXX XXXX a detailed demand letter in hopes to find a reasonable resolution to the claims denial outside of the united states legal system. There was no response to the complaint.
On XX/XX/XXXX XXXX and XXXX XXXX again sent a demand letter to both XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX in hopes to come to a reasonable resolution to the continued denial of the vehicle and service contract purchased through XXXX XXXX XXXX. There was no response to the complaint.
On XXXX, XXXX XXXX XXXX XXXX legal department responded to requests for assistance with our service contract and stated that we put XXXX miles on the vehicle, and it had been nearly a year so they could be no assistance. ( Exhibit XXXX ) This was the next attempt to deny the claim. Where not only XXXX XXXX XXXX, but XXXX XXXX XXXX also stated the truck had nearly XXXX miles on it and nearly a year had passed. ( Exhibit XXXX XXXX ) The service contract purchased provided coverage for XXXX miles or up to XXXX year which ever came first. ( Exhibit XXXX ) On XX/XX/XXXX XXXX XXXX XXXX wrote a letter stating they could not assist with our claim as the care dealership that sold the vehicle denies making modification to the vehicle. Mad XXXX XXXX will testify no modifications were made to the truck giving absolutely no reason for the continued claim denial.
On XX/XX/XXXX XXXX XXXX again responded to requested information from the XXXX with a letter including false statements and misrepresentations stating the claim was properly denied and they did a proper investigation. Even after they were given ample documents and information from XXXX, XXXX, and XXXX XXXX XXXX pertaining the claim denial and the part at hand not being a XXXX XXXX XXXX XXXX. ( Exhibit XXXX ) On XX/XX/XXXX XXXX XXXX XXXX wrote a letter to the XXXX, while addressing the plaintiffs that They were unable to investigate your concerns regarding your statements, You voluntarily entered into a valid contract ( exhibit XXXX ) even though they eventually refunded said service contract a refund that was not asked for as a full refund for both the truck and service contract were requested from XXXX XXXX XXXX.
XX/XX/XXXX, XXXX XXXX would not address XXXX and XXXX XXXX concerns pertaining to the credit reporting of a service contract they were denied the use of as well as the vehicle that was to be covered. XXXX XXXX did, however, fully addressed their concerns and how the contract states the plaintiffs must put full covered on a vehicle to protect it from loss when it is inoperable and in storage at Mad diesel XXXX. XXXX in the XXXX department stated in letter to the CFPB that XXXX XXXX again were denying a refund and they could be no assistance. ( Exhibit XXXX ) In addition, the XXXX again have been denied a loan payoff or access to the loan balance and these issues have not been addressed to date. Exhibit XXXX ) On XX/XX/XXXX XXXX XXXX XXXX simply disregarded all complaints and statements made and submitted there responses to the XXXX and CFPB. ( Exhibit XXXX ) XX/XX/XXXX, XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX XXXX wrote a letter to the Michigan Attorney Generals office not only naming the plaintiff incorrectly, they again misrepresented an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( exhibits XXXX, XXXX ) they also disregarded all consumers laws the XXXX XXXX XXXX XXXX had addressed in previous letters ( exhibit XXXX ).
XX/XX/XXXX XXXX XXXX again was facing fines from the XXXX and they made a courtesy refund to the loan account held by XXXX XXXX ( XXXX ) and XXXX XXXX in the amount of {$2900.00}. This courtesy refund included a courtesy refund of the XXXX XXXX XXXX in the amount of {$2400.00}, as well as {$480.00} towards denied repair costs. The letter states they refunded the denied repair costs. ( Exhibit XXXX ) Before the account was credited as a courtesy XXXX XXXX responded to the XXXX and stated that was not reasonable rectification the breach of contract, as the truck would not have been purchased without the agreed upon warranty. Plaintiffs have again been denied a loan payoff or access to the loan balance and these issues have not been addressed to date.
XX/XX/XXXX XXXX XXXX XXXX wrote a letter to the attorney generals office again, misrepresenting a part installed on the XXXX truck and used it as the reason the claim had continued to be denied. XXXX XXXX XXXX specifically stated a standard air filter replacement was a cold air intake modification. ( exhibit XXXX, XXXX ) This puts into question if the staff sent to inspect these vehicles and in charge of claims are in fact properly certified to provide these inspections. The Michigan State Attorney Generals office forwarded all correspondence to XXXX and XXXX XXXX VIA USPS and email as XXXX XXXX XXXX and XXXX XXXX XXXX has refused to supply them with any direct information other then the claim was denied for modifications over the telephone.
After XXXX XXXX XXXX XXXX department and XXXX XXXX XXXX XXXX wrote several letter to the attorney generals office, XXXX then stated the part was in fact not a XXXX XXXX XXXX as they had claimed and misrepresented for over 18 months, they now had a new reason to deny the claim. XXXX XXXX XXXX and XXXX XXXX XXXX both stated that a standard Air filter replacement is a part modification. ( Exhibit XXXX, XXXX ) This is the next claim denial used calling a standard air filter replacement a modification a modification, not to mention consumer protection laws require XXXX XXXX XXXX to provide proof that a part installed on the vehicle was the sole reason the vehicle requires repair work and that was not done. In fact, XXXX XXXX XXXX has supplied ample proof as well as listed consumers laws broken by both XXXX XXXX and XXXX XXXX XXXX and there is no justifiable reason for denying the claim.
Dozens of complaints have been filed with government agencies and all recommendations were to seek legal action as XXXX XXXX XXXX has breached the contract with XXXX XXXX and XXXX XXXX denying them the use of their vehicle and service contract while XXXX XXXX XXXX continues to wrongfully and unjustly deny the numerous claims, complaints and attempts at coming to a reasonable resolution.
The last and Final attempt to deny claim, as of today is that the truck over heated and its unlikely the claim would be covered. Letters were submitted by XXXX XXXX XXXX to the Department of insurance and Financial Services, the XXXX then forwarded the letters the XXXX and XXXX as the bank to date will not supply any documents they have requested. ( Exhibit XXXX )
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| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, Transunion, XXXX, XXXX XXXX since inception of my credit profile since XXXX i was never given any opt out notice and instruction on how to opt out and it never was disclosed to me there was an option to do so.
Laws violated to date but may be more to come upon further investigation.
Per the FCRA as a Federally Protected Consumer I am now opting out of any and all authorization I the consumer may have given you written unwritten, verbal and nonverbal per 15USC 6802.
XXXX. I am requesting that all hard inquiries be removed.
XXXX. All charge offs and any reporting of payment history be reported as paid as agreed.
XXXX. I am requesting compensation of {$1000.00} per violation concerning all inquiries, charge offs, and sharing of my non-public personal information with third parties & soliciting to third party affiliates.
XXXX. I am requesting compensation for the emotional distress, financial damage, humiliation that occurred due to my credit being denied on multiple occasions which was not my fault but the said companies who were in violation of the stated Fair Credit Reporting Act of XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Protection of nonpublic personal information ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal.
Definition - nonpublic personal information ( XXXX ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section XXXX of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING. The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting.
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
XXXX ) CONDITIONS ON USE FOR ADVERSE ACTIONS ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
Privacy Act of 1974 *Fair Credit Reporting Act protects non-public personal information for consumers.
XXXX XXXX - XXXX Definitions.
( a ) Person. An individual, corporation, or any other business organization.
( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.
( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.
( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.
( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.
( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section.
( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED Privacy Act of XXXX PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy It is illegal for these Bureaus to report my transaction history. I am opting out of their reporting.
XXXX, Transunion, XXXX. XXXX XXXX are all in violation of The Fair Credit Reporting Act of XXXX.
Please find listed below all said violations ; XXXX. Hard inquiries on my credit report XXXX. Selling my consumer credit information to third parties and solicitation of my credit information without giving me the opt out option.
XXXX. Retaining charge offs on my credit report.
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal.
Definition - nonpublic personal information ( XXXX ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section XXXX of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING. The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting.
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
XXXX ) CONDITIONS ON USE FOR ADVERSE ACTIONS ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this sub chapter, as prescribed by the XXXX under section XXXX ( c ) ( XXXX ) XXXX of this title Privacy Act of XXXX XXXX XXXX XXXX XXXX protects non-public personal information for consumers.
XXXX XXXX - XXXX Definitions.
( a ) Person. An individual, corporation, or any other business organization.
( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.
( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.
( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.
( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.
( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a XXXX XXXX XXXX transaction or a financed sale as defined in paragraphs ( d ) and ( XXXX ) of this section.
( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.
XXXX XXXX XXXX - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission XXXX, it is an unfair or deceptive act or practice within the meaning of section XXXX of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in atNOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED Privacy Act of XXXX PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ XXXX FR XXXX, XXXX XXXX, XXXX ; XXXX FR XXXX, XXXX XXXX, XXXX ] ( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
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These accounts are invalid, inaccurate, not timely, illegal and carry no documented evidence of their existence. To the least, they have not been authenticated as per my requirements as you are damaging my character, creditworthiness, and wellbeing by falsely stating those non-compliant unverifiable accounts on my report.
I have not received any confirmation on how the credit bureaus have verified the alleged accounts and therefore request that you consider this. I am trying to rectify the subterfuge that the credit bureaus are reporting.
I have not received confirmation nor certified testimony that the credit bureaus complied with FCRA and all its mandated rules when it comes to reporting accurately. I asked the credit bureaus to present to me a certificate in testimony that the alleged accounts are in fact compliant and not subterfuge.
I have reached out to the credit bureaus by certified mail. These are the accounts that I am referring to : XXXX XXXX Alleged account # : XXXX XXXX Alleged account # : XXXX XXXX Bank XXXX account # : XXXX XXXX Bank Alleged account # : XXXX XXXX XXXX Alleged account # : XXXX Attached are the letters that were sent certified to each bureau.
Below are the Congressional laws that the credit bureaus are violated : 1640. Civil liability ( a ) Individual or class action for damages ; amount of award ; factors determining amount of award Except as otherwise provided in this section, any creditor who fails to comply with any requirement imposed under this part, including any requirement under SECTION 1635 OF THIS TITLE, subsection ( f ) or ( g ) of SECTION 1641 OF THIS TITLE, or part D or E of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of the failure ; ( 2 ) ( A ) ( i ) in the case of an individual action twice the amount of any finance charge in connection with the transaction, ( ii ) in the case of an individual action relating to a consumer lease under part E of this subchapter, 25 per centum of the total amount of monthly payments under the lease, except that the liability under this subparagraph shall not be less than {$200.00} nor greater than {$2000.00}, ( iii ) in the case of an individual action relating to an open end consumer credit plan that is not secured by real property or a dwelling, twice the amount of any finance charge in connection with the transaction, with a minimum of {$500.00} and a maximum of {$5000.00}, or such higher amount as may be appropriate in the case of an established pattern or practice of such failures ; 1 1So in original. The semicolon probably should be a comma.
or ( iv ) in the case of an individual action relating to a credit transaction not under an open end credit plan that is secured by real property or a dwelling, not less than {$400.00} or greater than {$4000.00} ; or ( B ) in the case of a class action, such amount as the court may allow, except that as to each member of the class no minimum recovery shall be applicable, and the total recovery under this subparagraph in any class action or series of class actions arising out of the same failure to comply by the same creditor shall not be more than the lesser of {>= $1,000,000} or 1 per centum of the net worth of the creditor ; ( 3 ) in the case of any successful action to enforce the foregoing liability or in any action in which a person is determined to have a right of rescission under section 1635 or 1638 ( e ) ( 7 ) of this title, the costs of the action, together with a reasonable attorneys fee as determined by the court ; and ( 4 ) in the case of a failure to comply with any requirement under SECTION 1639 OF THIS TITLE, paragraph ( 1 ) or ( 2 ) of SECTION 1639B ( C ) OF THIS TITLE, or SECTION 1639C ( A ) OF THIS TITLE, an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates that the failure to comply is not material.
In determining the amount of award in any class action, the court shall consider, among other relevant factors, the amount of any actual damages awarded, the frequency and persistence of failures of compliance by the creditor, the resources of the creditor, the number of persons adversely affected, and the extent to which the creditors failure of compliance was intentional. In connection with the disclosures referred to in subsections ( a ) and ( b ) of SECTION 1637 OF THIS TITLE, a creditor shall have a liability determined under paragraph ( 2 ) only for failing to comply with the requirements of SECTION 1635 OF THIS TITLE, 1637 ( a ) 2 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account. ( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards. ( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
1681a. Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) CONSUMER REPORT. ( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include 1681a TITLE 15COMMERCE AND TRADE Page 1350 1So in original. The period probably should be ; and. ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) of this section. ( 3 ) RESTRICTION ON SHARING OF MEDICAL INFORMATION.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) MEDICAL INFORMATION.The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual.1 ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) DEFINITIONS RELATING TO CHILD SUPPORT OBLIGATIONS. ( 1 ) OVERDUE SUPPORT.The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) STATE OR LOCAL CHILD SUPPORT ENFORCEMENT AGENCY.The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) ADVERSE ACTION. ( 1 ) ACTIONS INCLUDED.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other ad- Page 1351 TITLE 15COMMERCE AND TRADE 1681a verse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the consumer.
15 U.S. Code 1681c2 - Block of information resulting from identity theft
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| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX XXXX XXXXXXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to 100 % paid on time. -.
XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to 100 % paid on time. -.
XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately.
XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to 100 % paid on time. -.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to 100 % paid on time. -.
XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately.
XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to 100 % paid on time. -.
XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to 100 % paid on time. -.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX XXXX XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XX/XX/ - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/2023 - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to 100 % paid on time. -.
XXXX XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to 100 % paid on time. -.
XXXX XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately.
XXXX - XXXX - According to 15 USC 1666b no person can furnish a late payment on an open ended account. Please update the payment history to 100 % paid on time. -.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XX/XX/ - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
Trans Union, XXXXXXXX XXXX XXXXXXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
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| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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THIS IS NOT A DUPLICATE COMPLAINT, THIS IS NOT A DUPLICATE COMPLAINT THIS IS NOT A DUPLICATE COMPLAINT, THIS IS NOT A DUPLICATE COMPLAINT I am over XXXX years of age, under no disabilities and fully competent to give this Affidavit. This Affidavit is based on my personal knowledge that the facts set forth herein as duly noted below are true, correct, complete, and presented in good faith regarding the account listed as XXXX XXXX of purported loan/account number/I.D. of : XXXX XXXX or any derivative thereof with XXXX hereinafter CREDITOR as defined under 12 CFR 226.2 ( 17 ) ( v ).
The undersigned, XXXX XXXX, a natural person pursuant to 15 USC 1602 ( e ), hereinafter Affiant does herewith assert and declare on Affiants unlimited liability that Affiant issues this INFRINGED UPON CONSUMER RIGHTS VIOLATIONS AFFIDAVIT with sincere intent, that Affiant is competent to testify and state the matters set forth herein and is willing to testify with firsthand knowledge, all contents herein are true, correct, and complete in accordance with Affiants knowledge, understanding, and intent. Affiant is of sound mind, and over the age of XXXX. Affiant reserves all rights. Affiant being unschooled in law, and who has no bar attorney, without an attorney, and having never been represented by an attorney, and does not waive counsel, knowingly and willingly Declares and duly affirms : Victim Information My full legal name is XXXX XXXX My date of birth is XX/XX/XXXX My social security number is XXXX.
My driver 's license or identification card state and number is XXXX My current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA, XXXX. I have utilized this address since XXXX.
My daytime telephone number is XXXX My evening telephone number is XXXX.
HOW THE INFRINGED UPON CONSUMERS RIGHTS OCCURRED XXXX. This Affidavit concerns the CREDITOR furnished inaccurate and incomplete information to the credit bureaus. Affiant recently discovered some more of the numerous acts of violations infringing upon a consumer 's right to privacy the CREDITOR committed against me as Affiant and of the body politic and/or public general, including without limitation, the following abridged list of violations committed at the behest of CREDITOR.
XXXX. Pursuant to 15 usc 1681 ( a ) ( 1 ) The banking system is dependent upon my consumer report being fair, and accurate. After taking a look at my consumer report I realized my report was inaccurate, and this inaccurate report is unfair to me because I was never notified when this inaccurate information was furnished, and I was never notified when during your companies ' initial investigation that you were going to report this information. This is a violation Pursuant to 15usc 1681 ( a ) ( 1 ) XXXX. Pursuant to 15usc 1681 ( a ) ( 1 ) - This grave error has undermined my confidence in your companies ' procedures, and as a result of this I will no longer be extending credit, and if this information is not removed, I no longer wasnt my information reported in your companies database.
XXXX. Pursuant to 15usc 1681 ( a ) ( 2 ) - Your company is a powerless elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversely affected my credit worthiness.
XXXX. Pursuant to 15usc 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights. Pursuant to 15usc 1681 ( a ) ( 3 ) XXXX. Pursuant to 15usc 1681 ( a ) ( 4 ) - You did not insure this information is accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took XXXX side of the story, and never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and this violated my right to privacy. ( See Exhibit A ) XXXX. Pursuant to 15usc 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it that a consumer report should NOT include transactions between consumer and the person making the report. This alleged transaction that you are reporting, and failed to investigate, whether or not it factually took place, can be categorized as a transaction that took place between the consumer, and the person making the report. Which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15usc 1681a ( d ) ( 2 ) ( A ) ( i ) XXXX. Pursuant to 15usc 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact is another violation. Pursuant to 15usc 1681a ( d ) ( 2 ) ( A ) ( iii ).
XXXX. Pursuant to 15 usc 1681a ( 8 ) - Any authorization of a specific extension of credit card or similar device should be excluded from my consumer report. This alleged transaction that you company clearly did not investigate is categorized as a transaction that was issued from a credit card.
Credit card as defined under 15 usc 1602 ( I ) ( definition attached and highlighted in Exhibit B. ) XXXX. Pursuant to 15usc 1681 ( a ) ( 4 ) ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( XXXX ) The banking sytem is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( XXXX ) Consumer reporting agencies have assured a vital role in assembling and evaluating consumer credit and other information on consumers.
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, XXXX. Congress makes it clear that a consumer has the right to privacy. They never define what privacy is because only the CONSUMER can define what privacy is to the CONSUMER I am stating that the account listed on my consumer credit profile is private and should not have been disclosed by XXXXrd party creditors which are listed in this affidavit as stated above TRANSUNION CREDIT BUREAU.
XXXX. CREDITOR failed to provide permissible purposes of consumer reports this is violation of 15 usc 1681b ( a ) ( 2 ) ( a ) In General Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
XXXX. Affiant is a victim of INFRINGEMENT UPON A CONSUMERS RIGHTS. TRANSUNION CREDIT BUREAU did not have permissible purpose nor did they have my written instruction. I did not provide them with written instruction and documentation does not exist allowing permissible purpose, if so you have XXXX days from the receipt of this affidavit to provide such documentation.
Failure to provide these documents requires immediate deletion of this purported loan/account number/I.D./bankruptcy/repossession/ of : XXXX XXXX or any derivative thereof with XXXX hereinafter CREDITOR as defined under 12 CFR 226.2 ( 17 ) ( v ) Failure to remove each negative item from my consumer report will result in a fine in the excess amount of more than XXXX dollars. for each violation.
XXXX. PRIVACY ACT This written communication constitutes Affiant due process notice for being heard absent compliance with all requirements set forth herein CREDITOR, are barred from using any defense of immunity from prosecution for CREDITOR act, actions and omission, including their principal agent assigns, employees and the like.
XXXX. By this Notice CREDITOR including their principal agent, assigns, employee shall comply with the provision of the Gramm-Leach-Bliely Act. [ 15 USC section 6802 ] Obligation with respect to disclosure of personal information ( a ) Notice Requirements ( b ) Opt Out for assisting the consumer in keeping inviolate certain constitutional protected privacy rights and guarantees, and from preventing encroachment thereon.
XXXX. By this Notice CREDITOR including but not limited to principal agent, assigns, employees, failed to provide Affiant with a copy of any express written authorization and OPT OUT NOTICE pursuant to 15 USC 6802, whereby CREDITOR was authorized for disclosing/divulging/sharing Affiants credit card as defined under 15 USC 1602 ( l ) a/k/a social security number or social security card with any XXXX party in any manner, as well as by means of communication, any information, documentation, data, property, effects and the like re Affiant. CREDITOR failure in providing said authorization and OPT OUT NOTICE pursuant to 15 USC 6802 constitute CREDITOR are in violation of including but not limited to Gram-Leach-Biliely .
XXXX. CREDITOR possesses neither express, written authorization, OPT OUT NOTICE pursuant to 15 USC 6802, nor consent from Affiant for using revealing/disclosing/ divulging/sharing with any third party any secured information, documentation, data, property effect, and the like of Affiant.
XXXX. CREDITOR knowingly and intentionally violated the Gramm-Leach-Bliely Act 15 USC 6801, 6802 and is criminally liable for a fine in accordance with title 18 or imprisoned for not more than 5 years or both pursuant to 15 USC section 6823 and 18 USC section 248.
XXXX. Affiants Affidavit is binding upon every principal agent, assignee, employer, employee and the like, re the subject matter set forth herein and herewith, and each and every principal and agents is : ( a ) Barred from providing any Credit Reporting Agency and derogatory credit information regarding the above reference debt ( s ) and inquiry.
( b ) Prohibited from contacting any other XXXX party regarding the above reference alleged debt, have established the existence of a bonafide, lawful verifiable claim in substance and in fact until such alleged debt is verified as indicated herein and herewith.
XXXX. Congress has also advised against the request, disclosure, and use of social security numbers as a unique identifier for records or in the issuance of credit for any purpose outside of Public Health and Welfare ( Social Security Retirement ) disclosure and uses.
The Social Security Act in a codified chapter 42 US Code 408. Penalties subsection ( 8 ). In general whoever discloses, uses, or compels the disclosures of the social security number of any person in violation of the United States, shall be fined under title 18 or imprisoned for not more that five years or both.
XXXX. Affiant is a victim as defined under 15 USC 1681g ( 3 ) ( 11 ) which means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of the consumer, with the intent to commit, or to aid or abet, and identity theft or a similar crime.
XXXX. Affiant is a victim of identity theft, Affiant never authorized CREDITOR to use or transferred Affiant identification ( Credit Card as defined under 15 USC 1602 ( l ) a/k/a social security number or social security card ) for the purpose of obtaining money and property on credit. CREDITOR lack of authorization means IDENTITY THEFT pursuant to 15 USC 1681a ( a ) ( 3 ).
XXXX. Any man or woman having first hand knowledge of all the facts asserted herein and having absolute power and authority to rebut this affidavit must rebut each and every point separately with the rebutting partys own signature and endorsement notarized, under the penalty of perjury and willing to testify, and executed as true, correct, and complete with positive proof attached. Absent positive proof any rebuttal shall be deemed null and void having no force or effect, thereby waiving any of CREDITOR immunities or defenses.
XXXX. Any rebuttal shall be mailed to the undersigned and the Notary address within ten ( 10 ) calendar days of CREDITOR receipt of this affidavit.
XXXX. When a rebuttal is not received by both the Affiant and the Notary within 10 days this entire Affidavit and default provisions shall be deemed true and correct.
XXXX. CREDITOR further agrees and consents to this administrative notice and default under this affidavit as clear and convincing evidence and proof of the facts asserted herein : XXXX. CREDITOR agrees to pursuant to Federal Law CREDITOR provide Affiant, copies of the transaction details and business records in CREDITOR control, relating to the fraudulent transaction. A copy of the relevant law is enclosed.
XXXX. CREDITOR agrees to information furnished on XXXX, XXXX, Transunion, and XXXX be deleted from credit report.
I am absolutely tired of these credit reporting agencies not properly following the law, it is defamation of character. They fail to follow the proper procedures required by law to report information to our consumer reports due to this failure. It has cost me my lively hood, I can not get approved for anything! I can not get approved for a mortgage, I can not get approved for a car loan or even a credit card! These companies think they can just keep bullying consumers around with all the technology they have, well they need to learn to follow the laws! These companies have cost me major emotional and mental stress and extreme relationship issues. Your company has destroyed my household! I can not even provide for my XXXX kids as I should be able to! TRANSUNION, XXXX, XXXX are not government entities and are required to follow the laws put in place for them! They should be severely punished for causing so much disaster to many american lives, including mine! I have listed every law/code that these terrible companies have violated and I have attached an ftc report , affidavit, an invoice to support my claims. I have attached my i.d, and my utility bill, for my identity verification. I have also attached a copy of my credit report as proof for the violations that these companies seem to do effortlessly.
Please delete all requested information from my credit file as requested and fulfill my invoice.
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| 07/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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A victim of both the XXXX and XXXX XXXX breach ; having had to forcibly move due to new ownershipXXXX conversion of my rental, started to go over my credit report in XX/XX/XXXX and noticed a huge discrepancy/theft-opening of cc accounts I had no knowledge of that eventually were maxed out and some sold/transferred to collections or charged off as delinquent and a long list of hard inquiries I was not aware of. Due to this after I couldnt find a rental due to the theft having a detrimental impact on my score therefore no landlord rented to me because of the theft after an explanation of the theft still A victim of XXXX and XXXX XXXX breach ; having had to forcibly move due to new ownership/XXXX conversion of my rental, started to go over my credit report in XX/XX/XXXX and noticed a huge discrepancy/theft-opening of cc accounts I had no knowledge of that eventually were maxed out and some sold/transferred to collections or charged off as delinquent and a long list of hard inquiries I was not aware of. Due to this after I couldnt find a rental due to the theft having a detrimental impact on my score therefore no landlord rented to me because of the theft after an explanation of the theft still rejected for a home, long story short as I was on a time crunch to leave the home I ended up accepting that I would not find a home with this fraud on my report/landlords assuming I was an irresponsible borrower, etc so I put my belongings into a XXXX in XXXX, still being stored due to no rental application approved due to this horrific theft and now I am XXXX That said I got to finally submit my theft affidavit w the FTC and included that w proof of Id and FCRA law and each credit report to each particular credit bureau ( trans union, XXXX, XXXX ) circles all incorrect reporting on my report by each of the companies and any documents I had to show my victimization of the XXXX breaches ( both XXXX and XXXX XXXX ) and the confirmation numbers from the two breachs settlements I filed with them as a victim and having been notified of only XXXX XXXX via mail and XXXX thru research of my own. I did all the recovery steps the FTC recommended I do. I have all names and dates and times of day I called each of the XXXX bureaus and each of the agencies that report the theft data to these bureaus after only some of the theft was removed by some of the three. As such, all representatives I talked to that are reporting the theft ( furnishers ) are confirming that the accounts are closed but are being reported by the three agencies. I filed my FTC on XX/XX/XXXX, all disputes are finished as far as I can tell. However, even w docs telling me accounts have been deleted the furnishers and reporting agencies are still reporting the theft!!!!!! Its been a very expensive and tedious process to get my identity and my real credit accuracy as per my right. I have been disregarded as frivolous meanwhile I am sitting here XXXX and paying hundreds to keep checking updates of my scores to find out what is still remaining as I have only been notified by calling myself to get info and then that gives me the ridiculous runaround I have no choice but to pay more money for the updates to see where I stand so I can find a place to live. Please have the XXXX, XXXX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ALL HARD INQUIRIES AND REMAINING COLLECTION ( XXXX out of XXXX have been closed as far as I know? Not able to see disputes from FTC theft packages I sent as per FTC recovery steps so I am not able to know what remains and what doesnt. This is ridiculous and appalling that I am a victim of their negligence and Im called frivolous when I dispute my right to have this monstrosity corrected because, in fact, THEY were so frivolous with my most personal and private information! Im so tired of doing my part and going thru all the hours/days/weeks of getting my docs in order for the bureaus only to have them not complete my requests on ALL THEFT I SO CLEARLY PROVIDED IN MY CREDIT REPORT CIRCLING ALL INCORRECT ACCOUNTS ETC THAT CONTINUE TO THIS DAY AFTER ( certified mailed the packets FTC advised me to do so I am aware the bureaus received my docs between XXXX ) and I still XXXX XXXX XXXX XXXX XXXX with poor credit scores because they cant do their job as required by LAW! So let me do more work and have to now file a complaint w you all because of their laziness and frivolousness with my lifeline so to speak! XXXX XXXX XXXX XXXX XXXX XXXX and have my mail being sent to a friend, please be advised I am not asking now I am insisting that these agencies do their job and get ALL the negative information on my credit reports from all three bureaus removed, blocked, corrected. This is not only against the law, I have done my part and sent the necessary documents for my case and most have been acknowledged and removed but they cant imagine how important it is as I write this XXXX XXXX XXXX XXXXe, that they complete what they started and not do XXXX on what Ive lawfully asked them to do as if it is not important! I am disgusted and I am horrified that as a tax-paying citizen who has been a responsible and hard-working individual all my adult years I am thrown to the wayside when THEY lose my most precious and private information thru a hacker and I have paid the ultimate price to their irresponsible and unethical business. I have lost everything because of this and I have done nothing deserving of the cards that I was handed and as a VICTIM TO BREACHES IN COMPANIES I ENTRUSTED W THESE THINGS I AM DEMANDING ALL THE NEGATIVE STUFF BEING REPORTED ON ALL THREE CREDIT REPORTS to BE BLOCKED AND REMOVED IMMEDIATELY DUE TO HAVING NO KNOWLEDGE OR ANY WRONG-DOING AND A VICTIM OF IDENTITY THEFT!
Thank you kindly for your time in this matter. I apologize if I seem emotional but frankly, I am just so tired of being ignored by these agencies and if I do my part and hand them all they need to show I am a victim and I lawfully ask for them to do their part in now that I have given them all they need and in fact been proven to be victimized, however, they just gave up continuing to correct my reports apparently and now Im left with some removed and many negativity remaining ; therefore I remain XXXX and forking more money to have insight as to how far they are on my blocking request since they send me no information and keep me in the dark and now claiming my investigation is over but they ( all three bureaus ) didnt even finish and as it has been 30 days they most likely just wanted to meet their timeline and meanwhile I suffer because they have a deadline????? No!!!! Remove the negative accounts and collection ( s ) and all hard inquiries as per I havent applied for credit since I was in my early XXXX let alone XXXX em out and destroy my reputation as a borrower etc!? Its absolutely absurd! I am demanding these negative charge offs and collects and hard inquiries and any other damages the theft has done and now being reported in my name, be completely removed or I will be left no choice but to go to court and have all these furnishers and credit report companies smeared in the public eye for their complete and utter failure to the consumers as I know Im not the only one claiming neglectful and despicable and unethical behavior/actions from these agencies and furnishers alike. Thank you for listening. I am at your disposal if you have any questions or concerns. I have every shred of evidence showing I proved my identity theft and they even removed some of the negative stuff but pls can they finish their job if a deadline is a problem well too bad! You didnt get info on time and so as the law states the negative stuff you never looked into and had run out of time on it whatever it may be the reason for removing some and leaving most is I dont care. Do your job remove it or Ill take them to court. Thats is a promise. And I follow thru and finish what I start as u can see! Help! rejected for a home, long story short as I was on a time crunch to leave the home I ended up accepting that I would not find a home with this fraud on my report/landlords assuming I was an irresponsible borrower, etc so I put my belongings into a XXXX in XXXX, still being stored due to no rental application approved due to this horrific theft and now I am XXXX. That said I got to finally submit my theft affidavit w the FTC and included that w proof of Id and FCRA law and each credit report to each particular credit bureau ( trans union, XXXX, XXXX ) circles all incorrect reporting on my report by each of the companies and any documents I had to show my victimization of the XXXX breaches ( both XXXX and XXXX XXXX ) and the confirmation numbers from the two breachs settlements I filed with them as a victim and having been notified of only XXXX XXXX via mail and XXXX thru XXXX of my own. I did all the recovery steps the FTC recommended I do. I have all names and dates and times of day I called each of the XXXX bureaus and each of the agencies that report the theft data to these bureaus after only some of the theft was removed by some of the XXXX. As such, all representatives I talked to that are reporting the theft ( furnishers ) are confirming that the accounts are closed but are being reported by the XXXX agencies. I filed my FTC on XX/XX/XXXX, all disputes are finished as far as I can tell. However, even w docs telling me accounts have been deleted ( because of fraud/theft ) and the furnishers and reporting agencies are still reporting the theft!!!!!! Its been a very expensive and tedious process to get my identity and my real credit accuracy as per my right. I have been disregarded as frivolous meanwhile I am sitting here XXXX and paying hundreds to keep checking updates of my scores to find out what is still remaining as I have only been notified by calling myself to get info and then that gives me the ridiculous runaround I have no choice but to pay more money for the updates to see where I stand so I can find a place to live. Please have the XXXX, XXXX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/ALL HARD INQUIRIES AND REMAINING COLLECTION ( XXXX out of XXXX have been closed as far as I know? Not able to see disputes from FTC theft packages I sent as per FTC recovery steps so I am not able to know what remains and what doesnt. This is ridiculous and appalling that I am a victim of their negligence and Im called frivolous when I dispute my right to have this monstrosity corrected because, in fact, THEY were so frivolous with my most personal and private information! Im so tired of doing my part and going thru all the hours/days/weeks of getting my docs in order for the bureaus only to have them not complete my requests on ALL THEFT I SO CLEARLY PROVIDED IN MY CREDIT REPORT CIRCLING ALL INCORRECT ACCOUNTS ETC THAT CONTINUE TO THIS DAY AFTER ( certified mailed the packets FTC advised me to do so I am aware the bureaus received my docs between XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX with poor credit scores because they cant do their job as required by LAW! So let me do more work and have to now file a complaint w you all because of their laziness and frivolousness with my lifeline so to speak! XXXX XXXX XXXX XXXX XXXX XXXX and have my mail being sent to friends, please be advised I am not asking now I am insisting that these agencies do their job ; get ALL the negative information on my credit reports from all three bureaus removed, blocked, corrected. This is not only against the law, I have done my part and sent the necessary documents for my case and most have been acknowledged and removed but they cant imagine how important it is as I write this XXXX XXXX XXXXXXXX XXXX that they complete what they started and not do XXXX on what Ive lawfully asked them to do as if it is not important! I am disgusted and I am horrified that as a tax-paying citizen who has been a responsible and hard-working individual all my adult years I am thrown to the wayside when THEY lose my most precious and private information thru a hacker and I have paid the ultimate price to their irresponsible and unethical business. I have lost everything because of this and I have done nothing deserving of the cards that I was handed and as a VICTIM TO BREACHES IN COMPANIES I ENTRUSTED W THESE THINGS I AM DEMANDING ALL THE NEGATIVE STUFF BEING REPORTED ON ALL THREE CREDIT REPORTS to BE BLOCKED AND REMOVED IMMEDIATELY DUE TO HAVING NO KNOWLEDGE OR ANY WRONG-DOING AND A VICTIM OF IDENTITY THEFT!
Thank you kindly for your time in this matter. I apologize if I seem emotional but frankly, I am just so tired of being ignored by these agencies and if I do my part and hand them all they need to show I am a victim and I lawfully ask for them to do their part in now that I have given them all they need and in fact been proven to be victimized, however, they just gave up continuing to correct my reports apparently and now Im left with some removed and many negativity remaining ; therefore I remain XXXX and forking more money to have insight as to how far they are on my blocking request since they send me no information and keep me in the dark and now claiming my investigation is over but they ( all three bureaus ) didnt even finish and as it has been 30 days they most likely just wanted to meet their timeline and meanwhile I suffer because they have a deadline????? No!!!! Remove the negative accounts and collection ( XXXX ) and all hard inquiries as per I havent applied for credit since I was in my early XXXX let alone XXXX em out and destroy my reputation as a borrower etc!? Its absolutely absurd! I am demanding these negative charge offs and collects and hard inquiries and any other damages the theft has done and now being reported in my name, be completely removed or I will be left no choice but to go to court and have all these furnishers and credit report companies smeared in the public eye for their complete and utter failure to the consumers as I know Im not the only one claiming neglectful and despicable and unethical behavior/actions from these agencies and furnishers alike. Thank you for listening. I am at your disposal if you have any questions or concerns. I have every shred of evidence showing I proved my identity theft and they even removed some of the negative stuff but pls can they finish their job if a deadline is a problem well too bad! You didnt get info on time and so as the law states the negative stuff you never looked into and had run out of time on it whatever it may be the reason for removing some and leaving most is I dont care. Do your job remove it or Ill take them to court. Thats is a promise. And I follow thru and finish what I start as u can see! Help!
Respectfully, XXXX XXXX XXXX
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| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, MN XXXX- This address belongs to someone else. Delete it from my report immediately.
2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, MN XXXX -This address is not correct. Delete it immediately from my report.
3. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX MN- This is not my employer. Delete it immediately from my report.
4. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX MN- This is not my employer. Delete it immediately from my report.
5. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION CITY & COUNTY Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX BANK Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION TRANS UNION Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
37. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
38. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
39. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
40. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
41. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
42. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
43. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
44. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
45. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
46. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
47. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
48. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
49. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
50. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
51. XXXX Account XXXX : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
52. FIG XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Subject : Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal - Legal Violations Regarding Consumer Profile I hope this NOTICE finds you well. I am writing to address a matter of utmost significance regarding the improper use of my consumer profile, leading to potential discrimination from other collection agencies based on inaccurate credit reporting. It is crucial that all companies listed here rectifies these issues promptly in accordance with applicable laws and regulations.
The foundational principle, Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal, deeply embedded in legal doctrine, serves as the bedrock for addressing the violation at hand. Title 15, Section 1692c ( 15 U.S.C. 1692c ) of the United States Code establishes explicit limitations on communication in connection with debt collection. These limitations prohibit debt collectors from communicating about a consumers debt to third parties unless under specific circumstances, such as with the consumers consent or for the purpose of locating the consumer.
In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions.
The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as [ Companys Name ], must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation.
False and misleading representations regarding the debt directly contravene Section 807 of the FDCPA. This provision explicitly prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Such practices undermine the rights and protections afforded to consumers under the FDCPA.
Additionally, the responsibilities of furnishers of information to consumer reporting agencies, as outlined in 15 U.S.C. 1681s2, place all companies listed here in the category of a furnisher. The law expressly prohibits furnishing incorrect or inaccurate information. Specifically, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) stipulates that continued reporting of proven inaccurate information constitutes a clear violation of the law. All companies listed here negligent and inaccurate reporting has caused severe harm, infringing upon my rights as governed by these laws.
It is imperative that all companies listed here comprehends the gravity of its actions and the potential consequences. Ignorance of the law is not an excuse, especially when violating consumer rights. This communication serves as a final opportunity for all companies listed here to rectify this situation promptly. Failure to comply will result in legal action being taken against your company for violating my rights and displaying negligence in its practices.
In conclusion, the violation of selling a debt without a permissible purpose is a serious matter that infringes upon the rights and protections afforded to consumers. The relevant sections of the United States Code, such as 15 U.S.C. 1692c, 15 U.S.C. 1681b, and 15 U.S.C. 1681s2, provide the legal framework governing these violations. As a creditor, [ Companys Name ] must acknowledge its obligations, rectify the inaccurate information on my consumer report, and ensure such violations do not recur. Failure to act accordingly will result in legal consequences for your company.
The Emergency Banking Act of 1933 and subsequent proclamations aimed to stabilize the banking system during the Great Depression, but they didn't eliminate money. Instead, they provided mechanisms for the government to regulate and control the flow of money. The concept that there is " no mon
ey '' often relates to arguments about the nature of currency and the gold standard. However, it's important to note that the U.S. has transitioned to a fiat currency system, where money is not directly backed by a physical commodity.
Article I, Section 10 of the Constitution does state that no state shall make anything but gold and silver coin a tender in payment of debts.
While there have been historical events, such as President Roosevelt 's Executive Order 6102 in 1933, which required U.S. citizens to turn in their gold coins, these actions were specific responses to economic challenges and a lack of money in the broader sense. After this period, the U.S. transitioned to a fiat currency system, where money is not backed by a physical commodity like gold. So there c
an be no obligation on any debt.
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I contacted these credit bureaus to investigate remove the Inaccurate and improper account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 15 USC section 1692f, 15 USC 1681b, 15 USC 1681 section c. 15 U.S code 1681 ( a ) states I have a right to privacy which I am govern under these laws. I the good faith creditor also exercises all of my right and I have not and has never given any debt collector acting as a creditor permission to furnish false information on my consumer report. Without Prejudice ignorance of the law is no excuse.
Accounts Affected by the Crime XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX paid off Balance {$7300.00} Balance updated XX/XX/XXXX Original balance {$21000.00} Student loans Total balance : {$37000.00} DEPT OF EDUCATION/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX Balance {$9800.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX DEPT OF EDUCATION/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Installment accounts Total balance : {$65000.00} XXXX XXXX Balance {$19000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$9800.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance {$1100.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance {$3100.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX Installment accounts Total balance : {$65000.00} XXXX XXXX Balance {$19000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$10000.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$9800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$1100.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX Balance {$3100.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance {$4000.00} Balance updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX NEGATIVE Balance {$7300.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX Balance {$0.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$2100.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX.
Balance {$0.00} Balance updated XX/XX/XXXX Installment accounts Total balance : {$63000.00} XXXX Balance {$19000.00} Balance updated XX/XX/XXXX DEPTEDXXXXXXXX Balance {$1100.00} Balance updated XX/XX/XXXX DEPTEDXXXX Balance {$9800.00} Balance updated XX/XX/XXXX DEPTEDXXXX Balance {$10000.00} Balance updated XX/XX/XXXX DEPTEDXXXXXXXX Balance {$4000.00} Balance updated XX/XX/XXXX DEPTEDXXXX Balance {$4000.00} Balance updated XX/XX/XXXX DEPTEDXXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPTEDXXXX Balance {$3100.00} Balance updated XX/XX/XXXX XXXX XXXXXXXX XXXX Balance {$7300.00} Balance updated XX/XX/XXXX DEPTEDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPTEDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPTEDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPTEDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPTEDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPTEDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX DEPTEDXXXX LATE PAYMENT Balance {$0.00} Balance updated XX/XX/XXXX XXXX closed accounts Other accounts Total balance : {$1800.00} XXXXXXXX Balance {$1800.00} Balance updated XX/XX/XXXXXXXX XXXXcollections TransUnion has no collections on file for you as of XX/XX/XXXX. If you fall behind on payments, your lender or service provider may sell your debt to a collections agency, so remember to pay on time.
XXXXinquiries These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of error A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Definitions A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty- Prohibition- the act of prohibiting by authority, an order to restrain or stop, often capitalized a law or regulation forbidding something.
Accurate- the honesty agreeing and practicing standards of due diligence. Financial statements are verified for correctness. Refer to precise.
Inaccurate- means incorrect or misleading in any matter of fact. FDCPA SECTION 807 IRS PUBLICATION 4681 ( 2022 ) As defined by the IRS even if you didnt receive a form 1099 C you must report canceled debt as gross income on your tax return.
As a technical term of the law. duty signifies a thing due ; that which is due from a person ; that which a person owes to another. A moral or legal obligation to do a thing.
Such practices undermine the integrity of the debt collection process and contravene the provisions of FDCPA Section 807, which prohibits false, deceptive, or misleading representations. I demand that you cease all false or misleading representations immediately and provide me with evidence of compliance with FDCPA Section 807 requirements or delete this from my consumer file immediately.
The IRS clearly defines a charge-off as this account inaccurate.
Which in fact makes your reporting of gross or ORDINARY INCOME, INCOME DOES NOT GET REPORTED ON THE ( CONSUMER REPORT ).
By definition the IRS clearly says a canceled debt or charge off is income. The reporting off this account as a debt is inaccurate according to the IRS PUBLICATION 4681.
Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A.
Which proves all companies Ive listed in the report who reported a charge off to my consumer profile has violated and neglected my rights. Below is a remark that was left by an agent of XXXX XXXX XXXX XXXX XXXX This is also evidence that a charge off is being furnished on my consumer report, which it clearly states in the IRS PUBLICATION that a write off is ordinary income that MUST BE REPORTED ( mandatory ) on a tax return. There The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1 Under penalty and perjury i the secured party creditor never received a Notice from all debt collectors who had placed a charge off on my consumer report the lender, in fact the lender or any of its agents never sent me a copy of a 1099-C which is considered as a cancellation of debt that was filed as a write off on a tax return according to the IRS Publication.
Reservation of rights and without prejudice.
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| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XX/XX/XXXX Last XXXX I am a victim of identity theft. This has ruined my life for I am unable to obtain new credit or refinance my house and car. I have worked so hard to build my credit and keep it in good standing until someone decided to steal my identity. I have filed a police report with my local police department, and I have also mailed in a copy of my credit report, drivers license and social security card which was sent certified mail. Transunion, XXXX and XXXX will not remove them. The refusal to remove the fraudulent activity on my credit report has cause mental anguish and emotional stress. I have hired a consumer lawyer to assist me in the matter. During his investigation, he noticed several breaches concerning the fair credit reporting act as it relates to consumer fraud on the credit bureaus behalf. I have already opted out of arbitration, so I am no longer subject to Transunion procedures.
I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. I, ve also mailed in certified letters to TransUnion. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) He notice several instances where TransUnion are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. TransUnion continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that TransUnion did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me .If TransUnion fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As TransUnion has violated the FCRA.. TransUnion has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XX/XX/XXXX ).
***** ( FRAUDULENT ADDRESSES ) ***** XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ***** ( FRAUDULENT ACCOUNTS ) ***** XXXX. XXXXXXXX XXXX {$66.00} Closed Unknown payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX & XXXX XXXX {$480.00} Closed Unknown payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX {$2100.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX XXXX. XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX ***** ( FRAUDULENT INQUIRIES ) ***** XXXX XXXX XXXX and XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXXXXXX XXXX and XXXX XXXX XXXXXXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case.
TRANSUNION XXXX A XXXX Transunion XXXX and Chief Executive Officer XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Executive Vice President TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX TransUnion XXXX Vice XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the XXXXonsumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).
Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.
I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XX/XX/XXXX Last XXXX I am a victim of identity theft. This has ruined my life for I am unable to obtain new credit or refinance my house and car. I have worked so hard to build my credit and keep it in good standing until someone decided to steal my identity. I have filed a police report with my local police department, and I have also mailed in a copy of my credit report, drivers license and social security card which was sent certified mail. Transunion, XXXX and XXXX will not remove them. The refusal to remove the fraudulent activity on my credit report has cause mental anguish and emotional stress. I have hired a consumer lawyer to assist me in the matter. During his investigation, he noticed several breaches concerning the fair credit reporting act as it relates to consumer fraud on the credit bureaus behalf. I have already opted out of arbitration, so I am no longer subject to Transunion procedures.
I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. I, ve also mailed in certified letters to TransUnion. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Fl XXXX ) He notice several instances where TransUnion are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. TransUnion continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that TransUnion did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me .If TransUnion fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As TransUnion has violated the FCRA.. TransUnion has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XX/XX/XXXX ).
***** ( FRAUDULENT ADDRESSES ) ***** XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ***** ( FRAUDULENT ACCOUNTS ) ***** 1. XXXX XXXX {$66.00} Closed Unknown payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX {$480.00} Closed Unknown payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXl XXXX : XXXX XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX {$2100.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX XXXX. XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX ***** ( FRAUDULENT INQUIRIES ) ***** XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case.
TRANSUNION XXXXXXXX XXXX XXXXXXXX Transunion XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vice XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).
Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.
I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency, and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XX/XX/XXXX Last XXXX I am a victim of identity theft. This has ruined my life for I am unable to obtain new credit or refinance my house and car. I have worked so hard to build my credit and keep it in good standing until someone decided to steal my identity. I have filed a police report with my local police department, and I have also mailed in a copy of my credit report, drivers license and social security card which was sent certified mail. Transunion, XXXX and XXXX will not remove them. The refusal to remove the fraudulent activity on my credit report has cause mental anguish and emotional stress. I have hired a consumer lawyer to assist me in the matter. During his investigation, he noticed several breaches concerning the fair credit reporting act as it relates to consumer fraud on the credit bureaus behalf. I have already opted out of arbitration, so I am no longer subject to Transunion procedures.
I ( XXXX XXXX ) am a victim of Identity Theft. I have experience tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told sorry, we can not help you. I filed a police report last year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with ( XXXX XXXX Police Department. I, ve also mailed in certified letters to TransUnion. I received nothing. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. Ive faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) He notice several instances where TransUnion are in non-compliance with the FCRA. Im a victim but yet Im treated as if Im nothing. TransUnion continues to report Fraudulent accounts and inquiries to my credit report and I want it to stop Immediately! Please note that I have already opted out of arbitration and have supporting documents and proof to support all my claims. I am sure that TransUnion did not go through the original furnisher to verify these accounts are mine and they have to do so under the FCRA.If they did verify, they would have realized immediately that I have no clue of these accounts and they do not belong to me .If TransUnion fails to notify me that they will be reinserting an item on my credit report in writing FCRA ( A ) ( 5 ) ( B ) ( iii ) results in {$1000.00} fine. As TransUnion has violated the FCRA.. TransUnion has refused to removed fraudulent accounts after I provided proof. This is considered defamation of character and willful injury. under the FCRA section 623. I plan of taking full legal action if accounts are not removed by ( XX/XX/XXXX ).
***** ( FRAUDULENT ADDRESSES ) ***** XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ***** ( FRAUDULENT ACCOUNTS ) ***** XXXX. XXXXXXXX XXXX {$66.00} Closed Unknown payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX & XXXX XXXX {$480.00} Closed Unknown payment history Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX {$730.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX XXXX. XXXX XXXX {$2100.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX XXXX. XXXX XXXX {$1200.00} Balance updated XX/XX/XXXX Account Info Account number XXXX Account status Open Date opened XX/XX/XXXX ***** ( FRAUDULENT INQUIRIES ) ***** XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX, XXXXXXXX XXXX date : XX/XX/XXXX XXXX XXXX, XXXX XXXX date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX XXXX XXXX XXXX, personal Inquiry date : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX XXXX, XXXX These individual are all apart of our lawsuit and will be named individually in our case. The FCRA clearly states 4 days all fraudulent accounts will be removed. and they still continue to report. We are seeking full damages We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my case.
TRANSUNION XXXX A XXXX Transunion XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross referenced to the .U.S Code is at the end of this document.Section 623 imposes the following duties upon furnishers : Accuracy Guidelines. The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available atwww.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ).
Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies -If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information
furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The CFPBs website, www.consumerfinance.gov/learnmore, has more information about theFCRA, including publications for business and the full text of the FCRA.Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : I have provided all of the above listed items within this package. Therefore, I expect these listed accountsto be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue.
I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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RE : Account ( XXXX ) : XXXX, XXXX, XXXX, XXXX, XXXX RE : Notice of Intent to Sue To Whom It May Concern, This letter is to simply notify you of my intent to file a FTC Complaint with the intent to sue your company for the persistent violations of my consumer rights per the Fair Credit Reporting Act and Federal Trade Commission as well as to give you one last chance to remove this erroneous account from my credit report IMMEDIATELY. Your continued delays are inexcusable, due to your blatant disregard of the law.
I, XXXX XXXX XXXX never gave Transunion or XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute..
I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
You also DO NOT have any permissible purpose to furnish my personal information to any third party.
15 USC 1681b Permissible purpose of consumer reports IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following accounts. As of this moment, you have NOT done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you accountable. I will resend this letter via fax and mail all my documents again along with this letter. I have not had to go this far with the other bureaus because XXXX have complied with the law and have REMOVED these accounts from my reports permanently which I also will attach to this letter. So you are also in violation of Metro-2 compliance because XXXX is the only bureau that is deciding to report this inaccurate information after it had already been deleted previously. Just for the record, the following information is being erroneously included on my consumer report, as I have advised you on several separate occasions.
XXXX. The following account is NOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number : XXXX These accounts which are not metro 2 compliant should have been deleted for not following the industry standard required to maintain maximum possible accuracy. Accounts SHOULD BE BOTH 100 % ACCURATE AND COMPLETE but ARE NOT ACCURATE AND COMPLETE. This has been an utter failure to follow your reasonable procedures required by 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) and ( ii ).
XXXX. NAME OF ACCOUNT XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported XXXX, TransUnion reported XXXX, XXXX reported ' XXXX " ACCOUNT TYPE : XXXX reported 'Unsecured ', TransUnion reported 'Unsecured ' XXXX XXXX reported ' -- " ACCOUNT DETAIL : XXXX reported 'loan ', TransUnion reported 'loan ', XXXX XXXX ' -- " XXXX XXXX XXXX XXXX reported 'cosigner ', TransUnion reported 'cosigner ', XXXX reported ' XXXX " ACCOUNT STATUS : XXXX XXXX Derogatory, TransUnion reported Derogatory, XXXX reported ' -- " XXXX PAYMENT : XXXX XXXX {$0.00}, TransUnion reported {$0.00}, XXXX reported ' -- XXXX DATE OPENED : XXXX XXXX XX/XX/XXXX, TransUnion reported XX/XX/XXXX, XXXX reported ' -- " BALANCE : XXXX reported XXXX {$6300.00} ', TransUnion reported " {$6300.00} ', XXXX reported XXXX -- " NUMBER OF MONTHS : XXXX reported ' -- ', TransUnion reported ' -- ', XXXX reported ' XXXX " HIGH CREDIT : XXXX XXXX ' -- ', TransUnion reported ' -- ', XXXX reported ' XXXX " CREDIT LIMIT : XXXX XXXX ' -- ', TransUnion reported ' -- ', XXXX reported ' XXXX " PAST DUE : XXXX XXXX " {$6300.00} ', TransUnion reported " {$6300.00} ', XXXX reported XXXX -- " PAYMENT STATUS : XXXX XXXX XXXX '', TransUnion reported XXXX '', XXXX reported ' -- " LAST REPORTED XXXX XXXX reported XX/XX/XXXX, TransUnion reported XXXX XXXX, XXXX reported ' -- " LAST ACTIVE DATE : XXXX XXXX ' -- ', TransUnion XXXX ' -- ', XXXX reported XXXX ' LAST PAYMENT DATE : XXXX reported XXXX '', TransUnion reported XXXX XXXX, XXXX reported ' -- " XXXX. NAME OF ACCOUNT : XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported XXXX, TransUnion XXXX XXXX, XXXX XXXX ' -- " ACCOUNT TYPE : XXXX reported 'debt buyer ', TransUnion reported XXXX account ', XXXX reported ' XXXX " ACCOUNT DETAIL : XXXX reported ' -- ', TransUnion reported ' XXXX ', XXXX reported ' XXXX " XXXX XXXX : XXXX reported ' -- ', TransUnion reported 'indivisual XXXX, XXXX reported ' -- XXXX ACCOUNT STATUS : XXXX reported --, TransUnion reported in collection XXXX XXXX reported ' -- XXXX MONTHLY PAYMENT : XXXX reported {$0.00}, TransUnion reported {$0.00} XXXX XXXX reported ' -- XXXX DATE OPENED : XXXX reported XX/XX/XXXX, TransUnion reported XXXX XXXX XXXX, XXXX reported ' -- XXXX BALANCE : XXXX reported " {$670.00} ', TransUnion reported " {$670.00} ', XXXX reported ' -- XXXX NUMBER OF MONTHS : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX HIGH CREDIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX CREDIT LIMIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX PAST DUE : XXXX reported " {$670.00} ', TransUnion reported " {$670.00} ', XXXX reported ' -- XXXX PAYMENT STATUS : XXXX reported ''Collection account '', TransUnion reported ''Collection account '', XXXX reported ' -- " LAST XXXX : XXXX reported XX/XX/XXXX, TransUnion reported XXXX ', XXXX XXXX ' -- " LAST ACTIVE XXXX : XXXX reported ' -- ', TransUnion reported ' -- ', XXXX XXXX ' -- " LAST PAYMENT XXXX : XXXX reported ' -- '', TransUnion reported ' -- ', XXXX XXXX ' -- " XXXX. NAME OF ACCOUNT : XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported XXXX, TransUnion XXXX XXXX, XXXX XXXX ' -- " ACCOUNT TYPE : XXXX reported 'debt buyer ', TransUnion reported XXXX account ', XXXX reported ' XXXX " ACCOUNT DETAIL : XXXX reported ' -- ', TransUnion reported ' XXXX ', XXXX reported ' XXXX " XXXX XXXX : XXXX reported ' -- ', TransUnion reported 'indivisual XXXX, XXXX reported ' -- XXXX ACCOUNT STATUS : XXXX reported --, TransUnion reported in collection XXXX XXXX reported ' -- XXXX MONTHLY PAYMENT : XXXX reported {$0.00}, TransUnion reported {$0.00} XXXX XXXX reported ' -- XXXX DATE OPENED : XXXX reported XX/XX/XXXX, TransUnion reported XXXX XXXX XXXX, XXXX reported ' -- XXXX BALANCE : XXXX reported " {$1300.00} ', TransUnion reported " {$1300.00} ', XXXX reported ' -- XXXX NUMBER OF MONTHS : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX HIGH CREDIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX CREDIT LIMIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX PAST DUE : XXXX reported " {$1300.00} ', TransUnion reported " {$1300.00} ', XXXX reported ' -- XXXX PAYMENT STATUS : XXXX reported ''Collection account '', TransUnion reported ''Collection account '', XXXX reported ' -- " LAST XXXX : XXXX reported XX/XX/XXXX, TransUnion reported XXXX ', XXXX XXXX ' -- " LAST ACTIVE XXXX : XXXX reported ' -- ', TransUnion reported ' -- ', XXXX XXXX ' -- " LAST PAYMENT XXXX : XXXX reported ' -- '', TransUnion reported ' -- ', XXXX XXXX ' -- " XXXX. NAME OF ACCOUNT : XXXX XXXX, CARE OF XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported --, TransUnion reported XXXX, XXXX reported XXXX -- " ACCOUNT TYPE : XXXX reported ' -- ', TransUnion reported 'Open Account ', XXXX reported ' XXXX " ACCOUNT DETAIL : XXXX reported ' -- ', TransUnion reported ' XXXX ', XXXX reported ' XXXX " XXXX XXXX : XXXX reported ' -- ', TransUnion reported 'Indivisual XXXX, XXXX reported ' -- XXXX ACCOUNT STATUS : XXXX reported --, TransUnion reported derogatory, XXXX reported ' -- XXXX MONTHLY PAYMENT : XXXX reported --, TransUnion reported {$0.00} XXXX XXXX reported ' -- XXXX DATE OPENED : XXXX reported --, TransUnion reported XXXX XXXX XXXX XXXX reported ' -- XXXX BALANCE : XXXX reported ' -- ', TransUnion reported " {$5300.00} ', XXXX reported ' -- XXXX NUMBER OF MONTHS : XXXX reported ' -- ', TransUnion reported XXXX ' XXXX XXXX reported ' -- XXXX HIGH CREDIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX CREDIT LIMIT : XXXX reported ' -- ', TransUnion reported ' -- XXXX, XXXX reported ' -- XXXX PAST DUE : XXXX reported ' -- ', TransUnion reported " {$5300.00} ', XXXX reported ' -- XXXX PAYMENT STATUS : XXXX reported ' -- ', TransUnion reported ''Collection account '', XXXX reported ' -- " XXXX REPORTED : XXXX reported --, TransUnion reported XXXX ', XXXX reported ' -- " LAST XXXX DATE : XXXX reported ' -- ', TransUnion reported ' -- ', XXXX reported ' -- " LAST XXXX DATE : XXXX reported ' -- ', TransUnion reported ' -- ', XXXX reported ' -- " XXXX XXXX NAME OF ACCOUNT : XXXX XXXX, CARE OF XXXX XXXX XXXX L.P ACCOUNT NUMBER : XXXX PROVIDE PHYSICAL PROOF OF VERIFICATION : UNVERIFIED ACCOUNT Detail : ACCOUNT NUMBER : XXXX reported --, TransUnion reported XXXX, XXXX reported ' -- " ACCOUNT TYPE : XXXX reported ' -- ', TransUnion reported 'open account ', XXXX XXXX ' -- " ACCOUNT DETAIL : XXXX reported ' -- ', TransUnion XXXX ' -- ', XXXX XXXX ' -- " XXXX XXXX : XXXX reported ' -- ', TransUnion XXXX 'indivisual ', XXXX reported XXXX -- " ACCOUNT STATUS : XXXX reported --, TransUnion reported XXXX collection, XXXX reported XXXX -- " MONTHLY PAYMENT : XXXX reported --, TransUnion reported {$0.00}, XXXX reported XXXX -- " DATE OPENED : XXXX reported --, TransUnion reported XXXX XXXX, XXXX reported XXXX -- " BALANCE : XXXX reported ' -- ', TransUnion reported XXXX {$3100.00} ', XXXX reported XXXX -- " NUMBER OF MONTHS : XXXX reported ' -- ', TransUnion reported XXXX -- ', XXXX reported XXXX -- " HIGH CREDIT : XXXX reported ' -- ', TransUnion reported XXXX {$2500.00} ', XXXX reported XXXX -- " CREDIT LIMIT : XXXX reported ' -- ', TransUnion reported XXXX -- ', XXXX reported XXXX -- " PAST DUE : XXXX reported ' -- ', TransUnion reported XXXX {$3100.00} ', XXXX reported XXXX -- " PAYMENT STATUS : XXXX reported ''Collection account '', TransUnion reported ''Collection account '', XXXX reported ' -- XXXX LAST REPORTED : XXXX reported --, TransUnion reported XXXX ', XXXX reported ' -- " XXXX ACTIVE DATE : XXXX reported ' -- ', TransUnion reported ' -- ' XXXX XXXX reported ' -- " XXXX PAYMENT DATE : XXXX reported ' -- '', TransUnion reported ' -- ' XXXX XXXX reported ' -- " 1. I have proof of repeated attempts to dispute and resolve this frivolous account directly with your agency over the past several months. I have copies of the several dispute letters sent to and received by you.
2. Proof of your repeated frivolous Verified responses. I have proof from these data furnishers stating that you never contacted them to investigate.
3. Proof of your refusal to sufficiently investigate, including recorded phone calls that can be used in a court of law.
4. Proof that you have refused to forward ALL proof and documentation that I have provided to you for the data furnisher in regards to my dispute.
5. Proof of your repeated violations to continue sharing and profiting from inaccurate, incomplete, and unverifiable information about me to potential creditors.
I have all the proof that I need to take you to court and win as, by law, you are not allowed to report this information as you have been, especially for a debt that is NOT MINE. Therefore, I have every right to take you to court to seek damages for what you have put me through. However, it would be more beneficial to me to have this account removed sooner than later and thus, the r
eason for me giving you, literally, ONE MORE CHANCE to do the right thing and resolve this matter outside of court, saving you more than approximately {$10000.00}.
I've counted at least 10 violations of my rights to date and most of which, you have violated on multiple occasions so if I do pursue legal ramifications, then you will not only be looking at FINES of {$1000.00} per occurrence ( totaling $ XXXX {$20000.00} ), but you will also be looking at whatever monetary damages that the court sees fit to award me, including legal fees.
Please do the right thing and remove these inaccurate accounts from my credit reports within the next 15 days and I will NOT move forward with my intent to sue. OR you can simply ignore this letter, as you have repeatedly done so in the past, tacking onto the repeated violations you've already made, and take this thing to court where we will settle it there. I didnt have to go this far with other consumer bureaus because they simply complied with the law and removed the inaccuracies that they were reporting.
If I do not hear from you within the next 15 days, then I will simply check my credit report again in 15 days. And if you are still reporting inaccuracies at that time, then I will have to assume that you have chosen to ignore my requests for a resolution to this erroneous information yet, once again.
I take my credit very seriously and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum. I await your response. Please note that this letter is being sent by both fax ( for expedition ) and certified mail ( for proof of receipt ) and, just like the previous correspondence between you and I, will be tracked and may be used against you. Your response to this letter is urgent and humbly requested within the next 15 days.
Sincerely, XXXX XXXX
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| 06/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ive been looking over my consumer report for quite some time and have been struggling with identity theft with fraudulent vehicle loans with fraudulent credit card accounts someone has been using my consumer reports and not only that, but the national credit reporting agencies have never notified me of any of this and they are in violation of the fair credit reporting act 15 US code 1681b 15, US code 1692c I request all of this information to be blocked under the fair credit reporting act 15 US code 1681C-2 there are numerous violations by the credit reporting agencies I asked for the FTC to look into this. I have filed a XXXX complaint, as well as a California, consumer protection, innovation, complaint, as well as a state attorney generals complaint here in the state of California. These are all fraudulent charges, and I want the criminals to be prosecuted to the fullest extent of the law I asked these accounts to be blocked and removed from my consumer report.XXXX XXXXTRANSUNION CONTINUE TO VIOLATE STATE AND FEDERAL LAWS They have never shown me how theyve done any investigation, ledgers accounts, original consumer contracts from any of the negative accounts they continue to report and violate the fair credit reporting at the fair debt collection act as well as multiple state laws. I have contacted the the CALIFORNIA, consumer protection, XXXX department spoke with supervisor at transunion Special handling at fraud department XXXX XXXX at TRANSUNION And FRAUD SPECIALIST AT XXXX I gave them all the identifying information of who I was, including my Social Security number, my address, and answered all security questions that was provided to pass the screening I was told that the fraudulent account and fraudulent inquiries would be removed from my consumer reports still hasnt removed the accounts that are associated with Fraud AS I HAVE RECENTLY DISPUTED WITH BOTH CREDIT REPORTING AGENCY AS OF XX/XX/XXXX I sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts.VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley PREMIER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted XXXX/TRANSUNION/XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case Number XXXX Court Docket Number 18-CR-00359 ) XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15 , US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt I am aware that my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( XXXXTRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being XXXX and XXXX turning you ( XXXX/XXXX/TRANSUNION/XXXX XXXX XXXXinto the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued 15 U.S. Code 1681c- 2 - ) Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXXTRANSUNIONXXXX XXXXTRANSUNIONXXXXIs also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the c
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| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : UKNOWN ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX REC ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : PRESTIGE FNL XXXX COLLECTION AGENCY : XXXX XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit reporting agency, are reporting incorrect accounts.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '', Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of ...
1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and A statement by the consumer that the information relating to the transaction by the consumer.
All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, www.cons umerfinance.govXXXX.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 16 U.S.C 1681168l y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 16 U.S.C 168ls2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinanoe.govXXXX. A list of tile sections of tile FCRA cross-referenced to the U.S Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.govXXXX. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( l ) ( A ) and ( a ) ( l ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnish.es information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( l ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under this regulation, s furnishers mu.et complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 62S ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( l ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( l ) ( C ) and ( b ) ( l ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information or block its reporting. Section 623 ( b ) ( l ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRA.s must report this fact when .it provides information to CRA.s for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRA.s may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. H the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished, negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 61500.
The CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681et seq. : I have provided all of the above-listed items within this package. Therefore, I expect these listed accounts to be deleted and blocked within four ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
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| 01/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX : Acct # : XXXX To Whom It May Concern : This is a Notice of Direct Dispute with you, under the provisions of FCRA 623 ( a ) ( 8 ) ( D ), of the accuracy and/or completeness of information you have posted to my credit file.
I am sure we both understand that most disputes are often conducted using software, such as XXXX, and that mistakes can be made during that process, and that the software can have limitations when it comes to completing a proper investigation of records. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623.
On separate occasions, I have disputed with all credit bureaus ( XXXX, Transunion, and XXXX included ) pertaining to an auto loan with XXXX XXXX Acct # XXXX for the date of last activity, payment history, status and the disputes returned verified. After some further investigation on my part, I am also concerned that this account may not belong to me, and/or the reporting to XXXX, XXXX, and Transunion may be inaccurate and incomplete.
In compliance with FCRA 623 ( a ) ( 8 ) ( D ), and enacting regulations published at 74 Fed Reg 31484 ( July 1, 2009 ), 16 CFR 660.4, this Notice of Direct dispute includes the following : -Validation of account # XXXX -Payments history is inaccurate and varies across all credit bureaus -Deficiency Balance Claim Basis for This Direct Dispute : Validation of account # XXXX Due, to so many inaccurate reportings, by XXXX XXXX and in a final attempt to either validate this account completely and/or have this account, in its entirety, removed from my credit files. I demand XXXX XXXX to clear the record by providing the information listed below : - Verifiable and irrefutable evidence of payments made o Since you have proven to not be a good record keeper and have shown how predatory you can be towards my credit files. I demand for you to provide me with factual account details for Acct # XXXX, as well as, factual verifiable account and transaction details of XXXX XXXX Personal/Business Account ( showing precisely what date payments went into your account, how they went it and via what method the payments/late payments went into XXXX account with ).
- Factual history of payments/late payments - Methods of validation you used to validate this account, its information and its payment/late payment history with all credit bureaus during each dispute within the past 6 months.
- I also demand to see how payments, were allocated towards this account Acct # XXXX, as well as, how payments were allocated toward principle and interest amounts. ( Not just a regular account notice. I want to see what percentage of payments went to each, for all payments late and on-time ) - Per your website it says ( 4 ) extensions were granted. Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Please provide documentation of such. In addition, please provide documentation of how these were calculated into my payments, balance or account period. If you unable to provide any of the information listed in this paragraph, please correct any applications of this towards any and all balances.
- I demand proof of contractual obligation, liability waivers, etc. ( Any and all signed documents ) - If you claimed a XXXX please provide copies of such documentation as well any documentation that would prove that it should not be rescinded.
Payments history is inaccurate and varies across all credit bureaus : Payment dates/Late payment dates ; were verified by you as accurate, changed, and then re-verified multiple times.
- Per the information listed for this account Acct # XXXX on your website and in accordance with the payment notifications listed there or lack thereof, accounting shows ( 28 ) payments made, but the payments, you have verified with each of the credit bureaus only shows that you have applied, at most, ( 23 ) payments. Where are these other payments? How did they disappear? Where would they go? And if applied elsewhere please provide my consent and notices from XXXX indicating such.
- Furthermore, each time I have disputed this account, you have change the payment dates/late payments dates. How can you verify the information as accurate with the credit bureaus then change the late payment dates and re-verify then change the payment dates again?
- Each of the credit bureaus has a different variation of payment history for this account. Each Dispute produced different variations of what was supposed to be verified, as of the 1st dispute.
- Date of First Delinquency : have been reported as one date, changed, and then verified and changed again. According to the various, ever changing payment/late payment dates the Date of 1st delinquency could be any of about 4 or 5 different dates .This is classified as re-aging an account which is in violation of FCRA Section 623 ( A ) ( 5 ) In addition, Provide valid dates of : - when you claimed repossession/ took possession of the vehicle listed under this account - when charge off officially took place.
- Also, accurately verified open and closed dates of this account - Also, Ive never mailed in payments on any account before, as well as the account I had at this time did not have checks attached to it. XXXX account shows a mailroom payment listed on the account shown as : XX/XX/XXXX XX/XX/XXXX Payment Received - Thank you. Mail Room - Bank Account {$360.00} o Please provide copies of this payment account number/name on account/authorization/payment method, as well, XXXX XXXX own bank and transaction records to verify the validity of this payment. If payment method was money order/check please provide copy of check/ money order showing a signature and a tracking/account number name etc. I do believe this payment to be illegal and in violation.
- XX/XX/XXXX there was a fee waive shown as : XX/XX/XXXX XX/XX/XXXX Fee Waived - Thank you ( {$480.00} ) o Please provide information on what this fee/payment was for and how it was paid, who paid it, as well as an explanation to why a payment is being made in XX/XX/XXXX?
Please clarify the record, provide correct dates for all 3 credit bureaus reporting as well as a correct payment history for the account.
Your failure to in providing the irrefutable proof listed in all sections before this, will show your unwillingness to validate this account.
If you are unable to perform a reasonable investigation, or you are unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. Please be sure to make sure everything you report is valid and true.
Under the provisions of FCRA 623 ( a ) ( 8 ) ( E ), you have the duty to review all of the information in this Notice of Dispute, to complete your investigation, and report back to me the results of your investigation, within 30-days of my Notice of Dispute.
Also, be advised during the years your company has also made multiple violations per FDCPA - Contacted a relative and mentioned details of this debt - Contacted my place of employment mentioning details of this debt Best Regards, XXXX XXXX Cc : CFPB Cc : FTC Cc : XXXX Cc : XXXX Cc : XXXX Cc : Transunion Cc : XXXX Cc : Indiana Attorneys General Office Pursuant to Sec. 36a-784. ( Formerly Sec. 42-97 ). Renewals and extensions. Whenever any sales finance company or retail seller renews or extends the installments remaining unpaid so that the retail installment contract is both extended beyond its original date of final payment and the installments are reduced or increased in amount, such renewal or extension agreement shall be in writing. Such sales finance company or retail seller may, any law to the contrary notwithstanding, make or collect a total additional charge therefor not exceeding an amount equivalent to a true rate of interest of twelve per cent per annum on the respective descending balances computed from the date of the oldest unpaid installment existing prior to such renewal or extension. When the renewal or extension does not include both an extension beyond the original date of final payment and a reduction or increase in the amount of the installments, such sales finance company or retail seller may make a total additional charge therefor up to the maximum lawful contract rate of interest permitted under the laws of this state but not exceeding twelve per cent true interest per annum, on the payment or payments extended for the period or periods of the extension.
Disputes to Furnishers : You must investigate a consumers dispute if it relates to : the consumers liability for a credit account or other debt with you. For example, disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; the terms of a credit account or other debt with you. For example, disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; the consumer 's performance or other conduct concerning an account or other relationship with you. For example, disputes relating to the current payment status, high balance, date a payment was made, amount of a payment made, or date an account was opened or closed ; or any other information in a consumer report about an account or relationship with you that affects the consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or lifestyle. Furnisher Rule 660.4 ( a ) Notes : Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records.
Failure to perform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX v. XXXX and XXXX v. XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau.
Guidelines for Policies and Procedures You must establish and implement written policies and procedures regarding the accuracy and integrity of information you furnish to a CRA. Guidelines are in Appendix A to Furnisher Rule Part 660. Read the Appendix ; the information here is just a sample.
Your policies and procedures : must be appropriate to the nature, size, complexity, and scope of your activities ; must be reviewed periodically and updated, as necessary ; should ensure that information provided to a CRA is for the right person, and reflects the terms of the account and the consumer 's performance on the account ; require maintenance of records for a reasonable amount of time ; establish internal controls for the accuracy and integrity of information, such as through random sampling ; prevent re-aging ( inaccurately changing the date of first delinquency on a consumers account to a later date ) and duplicative reporting, particularly following portfolio acquisitions or sales, mergers, and other transfers ; and require updating of furnished information where necessary.
Information should : be substantiated by your records when it is furnished ; include consumer identifiers, like name ( s ), date of birth, Social Security number, telephone number ( s ), or address ( es ) ; and be furnished in a standardized form and specify the time period it pertains to.
If you dont comply with the FCRA, you may be sued by the FTC, Consumer Financial Protection Bureau ( CFPB ), state governments, or in some cases, consumers. The FCRA provides for maximum penalties of {$3800.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 621 Deficiency Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Acct # : XXXX To Whom It May Concern : Under the laws of the State of Indiana UCC 9-506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to.
Please provide copies of the legal notices, dates mailed, not dates listed on a piece of paper Ive never seen before and proof of the commercially reasonable manner of the resale of the subject vehicle, a security agreement that shows I owe the debt and proof that you upheld your part of the security agreement and a liability waiver.
If you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC - 9 remedies If no such proof is provided within 15 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.
Sincerely, XXXX XXXX
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| 04/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Leasing Agent seems to be aiding Identity Theft + Violating Fair Debt Collection Practice.
My Leasing Terms clearly state it is the tenants responsibility to register the Utilities in their name upon taking residency.
Less than XXXX I was contacted by a company called " XXXX XXXX XXXX '' and they were stating that they were the " XXXX XXXX XXXX '' For XXXX XXXX XXXX. They asked for a picture of my drivers license and told me they would have utilities set up for me. Being in the haze of moving, young and inexperienced, I foolishly obliged. I was sent the following emails.
XXXX XXXX for utilities and services Wed, XX/XX/XXXX XXXX XXXX XXXX ( via XXXX ) ( XXXX ) To : you Details Thank you for using XXXX XXXX XXXX.
We have included a list of all the services we connected for you.
If a service needed to be completed specifically by you, instructions should be listed below or have been texted to you.
Finally, please check your email for confirmations from the providers we set up, as they sometimes request additional information.
If anything is missing, please don't hesitate to call us back.
If you need to make any changes to your order or have any questions, please feel free to contact us at XXXX or send an email to XXXX.
XXXX XXXX XXXX order application submitted.
Thank you for your Order!
Your order number is XXXX Thanks for choosing XXXX XXXX XXXX! We hope you enjoy the cutting-edge features and benefits included with your new service.
We are currently processing your order. In a few moments you will receive an email at the address provided to confirm your free installation appointment.
Please visit our support site at XXXX where weve compiled a host of videos and quick start guides that walk you through getting the most from your service.
Should you have any questions or need to alter your appointment time, were always available, day or night, at XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you need to change your address with the postal service, please click the link below.
XXXX QUESTIONS Schedule an appointment below XXXX or call XXXX XXXX and the following from My leasing agent- they clearly state an affiliation with the company mentioned above. My Identity was stolen very shortly thereafter on XX/XX/XXXX.
XXXX Wed, XXXX XXXX, XXXX XXXX XXXX General Information ( XXXX ) Good Morning XXXX and XXXX, You may have had some confusion regarding gas utilities recently. We want to apologize for all of the confusion. XXXX XXXX has recently been made aware that the utility concierge that helped you set up your power and gas services when you moved in, had incorrectly set up services with XXXX XXXX instead of XXXX XXXX XXXX XXXX.
Because of this, XXXX XXXX XXXX had received the gas bill a few days ago and noticed that your unit was still in our name and had not transferred. We contacted the utility concierge and informed them that there was something wrong and they told us that they would reach out to you and the rest of the residents to try and correct this mistake. We understand that this is probably very confusing, so we wanted to reach out and explain in detail what happened and what needs to be done.
1. Some residents wanted to know what the gas is for. The gas in your unit powers the heat to your HVAC unit.
2. The charge on your ledger for gas ( {$9.00} ) is for the bill that we received a few days ago. We had calculated out the appropriate usage, and only charged your ledger based off of your move in date ( XX/XX/XXXX ) and the days you have lived in the unit. In other words, we did not charge you any gas usage from before you moved in.
3. You will need to contact XXXXXXXX XXXX XXXXXXXX XXXX to set up the services in your name as soon as possible. XXXX XXXX XXXX ( the utility concierge ) has probably already reached out to you again to try and assist you in this and you are more than welcome to use their help if you would like.
XXXX XXXX XXXXXXXX XXXX : XXXX XXXX. After you have called to set up the gas service in your name, XXXX XXXX XXXX will receive a final bill ( These arrive around the XXXX of each month ) and we will charge that final bill to your ledger. We will not charge any more gas charges after the final bill is posted since the services will be in your name and the bills will be sent directly to you.
Please feel free to contact us if you have any questions or need assistance.
Management Team XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Office ( XXXX ) To : you Details Good Afternoon, We have noticed that the gas bill for your unit 's HVAC is still in XXXX XXXX XXXXXXXX XXXX name. We have scheduled the disconnection of the gas for Monday XXXX. We recommend calling XXXX XXXX XXXX XXXX ASAP to connect the service in your name to avoid any service interruptions.
You will see a Gas Charge on your ledger for the previous month 's usage and in a few weeks another charge will be added for the final bill once this is received.
XXXX XXXX XXXX XXXX : XXXX Disconnection Scheduled : Monday XX/XX/XXXX For any questions, please call ( XXXX ) XXXX or email us at XXXX Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX Additionally, XXXX claims there was a check issued in XX/XX/XXXX that I am alleged to have written. I have LONG suspected my father ( who is also the co-leasing party on the apartment- I do not qualify alone ) XXXX XXXX XXXX of holding checks to my account, and I was shocked to see my name in the ledger next to the bounced check payment in XX/XX/XXXX. I demanded to be furnished a copy of this check and I was ignored. Yet another instance of aiding identity theft.
I attempted to contact XXXX XXXX XXXX to no avail.
This is fraud.
XXXX Re : Reminder of Balance Due Dear XXXX, This notification is being sent as a reminder that a balance due remains on your lease. The details of the unpaid charge ( s ) are below : Location Lease Charge Date Description Balance Due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fee For Returned Payment {$44.00} In order to avoid late fees and further collection efforts, please take action to make payment immediately. Payment can be made 24 hours a day on the XXXX XXXX. To log in, click the following link : Portal Login Thank you.
XXXX This obviously raised tension between myself and XXXX XXXX and things were already slow boiling prior to this, come XXXX I tried on XXXX separate occasions to update my phone & email to secure communication w/ the office, I was again ignored and continually contacted at the old, invalid email. This is actually another a violation of XXXX own leasing agreement, to keep contact info updated.
I went into the office to see what needed to do to qualify on my own at the apartment, and get a copy of my lease. I needed a copy because I'd been locked out of my XXXX portal after the returned payment at XXXX choosing. This left me unable to pay online and unable to contact maintenance.
What followed is the most blatant disregard to XXXX XXXXXXXX I have ever seen, and XXXX should be absolutely ashamed for putting someone at risk of upsetting their XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am contemplating pursuing legal recourse for this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
-- -- - Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX : Wed, XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, we can not remove XXXX XXXX from the lease as you do not qualify on your own to lease the apartment. If you have another guarantor that is willing to be on the lease with you, please let us know. That person will need to complete an application and be approved.
XXXX XXXX, the lease break penalty is {$1500.00} plus a written 30 day notice.
The notice will need to be turned in by XX/XX/XXXX along with XXXX XXXX rent. You will have until move out day, XX/XX/XXXX to pay the lease break fee of {$1500.00}. Once the key is returned to the office we will complete a walk through for damages and the security deposit will be returned within 30 days of move out minus any damages.
*Warmest Regards, * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX What is okay about this? It honestly makes my stomach churn.
Above is the email that I was sent after I left the office that day. They CC ; d my XXXX, for whatever reason, as NO changes were made to the lease. I repeat, no changes were made.
They merely emailed him as well to advise him of my intent to escape his unpredictable, voliatle, lying, XXXX ***.
XXXX XXXX XXXX XXXX XXXX.
In early XXXX I appplied for XXXX rent relief, by the XXXX XXXX XXXX I hadn't heard anything and I checked in to see if the office had submitted thier XXXX of the application. this is what followed.
______________________________________ XXXX XXXX XXXX Fri, XX/XX/XXXX, XXXX XXXX to me XXXX XXXX, Thank you. I got it and will forward this along. I recommend you follow up n Tuesday to see if someone was able to fill it out.
Sincerely, XXXX XXXX _____________________________ On Wed, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote : XXXX XXXX, We will not be able to process any rent relief paperwork for you. Please remember that you are scheduled to be moved out this weekend and keys need to be returned to the office no later than Sunday night. If no keys have been received, eviction will be started again. Thanks.
Sincerely, XXXX XXXX ___________________________ On Wed, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX wrote : Just so I'm understanding correctly, you're unwilling to initiate an application to apply for past due rental fees and legal fees because you intend to charge a new set of legal fees and back rent assuming I'm not moved out before Friday? Despite there being a federal funding for this very purpose??? If that's your position I just want clarification of that so it can be addressed properly as well as the mishandling of my identification by your " concierge service '' who signed up for utility service using my identification, specifically gas, at the wrong location, resulting in me being without heat as the cold came in, i assume fmp credited my ledger for this after accepting payment for it. you're waiting until the weekend before to advise me of refusal to cooperate, the Wednesday before, despite me submitting an application weeks prior, when I could've used my application to apply elsewhere to avoid being without housing? I paid for gas at a location that I never received service from THROUGH XXXX XXXX XXXX, I never received this service as a result of XXXX XXXX XXXX negligence supervising the third party company they subcontracted to handle the Identifications of their residents? Thank you for clarifying as soon as possible and I am thankful you advise me of this as before I submit my form XXXX to the irs for what I thought was an unrelated matter but considering I will be liable for any mishandling of my ID to sign up for utility services I didn't need, the late payments & breach of contract with XXXX as a result of noncompliance by XXXX & finally late utility payments as a result of this? I am excited to hear your position on this further & we both better hope my utilities electricity isnt cut off tonight as a result of this extreme position you find yourself taking .....
Just wanted to make sure I'm understanding your very, very clearly in case XXXX XXXX and myself find ourselves in an eviction hearing again soon.XXXX My credit score has dropped over XXXX points because of my leasing agent 's unwillingness to opt into XXXX XXXX relief. I lost over XXXX in utility deposits and payments that could have been covered under XXXX rent relief, and due to their XX/XX/XXXX refusal, My gas & electricity were both cut off by XX/XX/XXXX. It was begininning to get very cold.
I had to take out a lien on my vehicle in order to move, which is still not paid.
I lost XXXX worth of furniture that was left in the apt due to insufficient space in the new residence. Ive suffered massive anxiety because of this all, the month after I moved in my sister was killed in a hit and run accident that remains unsolved, while dealing with the utility fiasco, bounced check, eviction notices and non compliance. I fully intent to seek recourse if XXXX fails to notify the credit bureaus of the real reason the account is delinquent. It is not because of non-payment. They have refused.
In XXXX I submitted a second applicaton for XXXX XXXX rent relief, and again advise XXXX.
The clerk advised me that she would " let them know '' Ive heard nothing, and the rental relief application still awaits their participation.
XXXX has civilly sued me for over XXXX.
In XXXX I submitted my XXXX and final application, advised XXXX and attempted to schedule a walk through.
My ( XXXX ) attempts to schedule a walk through prior to moving out were ignored.
I cleaned the apartment thoroughly and aside from the couch and table I was unable to move myself, the apartment was spotless, the walls were repaired if any holes were present. I cleaned the fridge, and even soaked most of the components ( shelves ) as my electricity being cut off in XX/XX/XXXX led me to have over {$200.00} worth of spoiled food inside, which was not pleasant come XX/XX/XXXX. When I was done, the fridge looked new and the apartment was cared for. I have never spoken to anyone abot my rental deposit. I have left numerous voicemails.
I still receive daily emails, they've reported my tenancy to data furnishers and risk-solutions as negative when their noncompliance and complacency led us here.
If XXXX XXXXy XXXX does not contact me or my representative by XX/XX/XXXX offering mediation of this, I will be seeking recourse under the fair debt collection act.
If XXXX does not contact by XXXX offering mediation of the expenses lost to utilities, spoiled food, the risk of identity theft, the risk to my safety, I will be seeking recourse.
If XXXX does not contact and issue the rental deposit - any damages they've assumed are my fault I will be seeking recourse.
I am contacting the local XXXX news station, consumer affairs-Attorney General and Reporter XXXX XXXX XXXX XXXX XXXX as this company poses a massive risk to consumers.
All will be receiving this complaint via certified mail, with relevant emails attached.
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My Only First & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX The last 4 of my SSN # XXXX My Only XX/XX/XXXX Ive sent paper work and complaints from the US Justice Department ( XXXX ) ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO -XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( 15USC 1681 a ( d\ ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT -XXXX TRANSUNION XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ], issue this urgent and non-negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as I XXXX XXXX XXXX I also serve as my agent and attorney-in- fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX, and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) Failure to correct and update inaccurate information in my consumer reports. The reporting of excluded information pursuant to ( 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of ( Metro2 compliance ). Provide me with the ( Metro2compliance ) -disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, ( collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that thisaccount has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed inCollection/Charge-Off Status ) -WITHOUT mailing me a copy of ( IRS form 1099- C Cancellation of Debt. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Fraudulent Account ) Account Name Account number Date open Dollar Amount XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$100.00} XXXX XXXX XX/XX/XXXX {$410.00} XXXX XXXX bankruptcy discharge XX/XX/XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS XXXX XXXX : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) : Failure to correct and update inaccurate information in my consumer reports. : -immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for theeasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports. 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Only First & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX The last 4 of my SSN # XXXX My Only XXXXPlease delete all otheraddresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections AS OF XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement. To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " TransUnion '' consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601 -Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. On the date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX came before me today as a flesh and blood living being ( non-entity/non debtor ) under oath to the highest of creation only and provided the facts listed herein.XXXX XXXX XXXX XX/XX/XXXX {$980.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX15 U.S. Code 1681c2 - Block of information resulting from identity theft * U.S. Code * Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft,
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| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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my name is XXXX XXXX reached out to XXXX/TRANSUNION/XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXXTRANSUNIONXXXX then XXXX you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/TransunionXXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act.Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ( XXXX XXXXXXXX ) ( XXXX ) ( XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXALEXAND ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733 . ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXXXXX/TRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after thedate of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION INNOVICE DATA SOLUTIONS XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agencyshall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( XXXX ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete allother addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX reached out to XXXX/TRANSUNION/XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/TRANSUNION/XXXX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/Transunion/XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ( XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733 . ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. XXXX XXXX ) ( XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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XXXX XXXX and XXXX continue to allow negative report on credit report despite existing case law pertaining to an FCRA violation due to existence of 1099-C. See : Civil No. 1:19-cv-00715, 03-26-2020. BOBBY A. SHULL, Plaintiff, v. SYNCHRONY BANK, and EXPERIAN INFORMATION SOLUTIONS , INC., Defendants.
Source : https : //casetext.com/case/shull-v-synchrony-bank/? PHONE_NUMBER_GROUP=P In XXXX, XXXX XXXX issued me a 1099-C because they had cancelled the amount owing on a credit account. However XXXX XXXX continued to report negatively to XXXX about the loan they had cancelled. Despite disputes to XXXX regarding this matter, the negative report remains on my credit report even though I was issued a 1099-C.
Per case law this matter was taken to federal court on the following merits by the Plaintiff whose situation matches my own : On XX/XX/XXXX, Synchrony issued Plaintiff a " Cancellation of Debt '' 1099-C informational tax form. On the form, XXXX selected identifiable event code " G, '' which indicates " a discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. '' XXXX submitted the 1099-C to the Internal Revenue Service ( " IRS '' ), which generally requires the debtor to report the discharged debt as taxable income. Plaintiff alleges he paid taxes on the discharged debt.
After issuing the 1099-C to Plaintiff, XXXX continued to report the outstanding balance to the CRAs, and thus the credit card debt remained on Plaintiff 's credit reports. On XX/XX/XXXX, Plaintiff wrote to Defendant XXXX XXXX XXXX XXXX XXXX XXXX " XXXX '' ) to dispute the accuracy of the outstanding balance. Plaintiff alleges that Experian notified XXXX of the written dispute. XXXX replied to Plaintiff that XXXX had verified the accuracy of the information. The outstanding balance remained on Plaintiff 's credit reports.
On XX/XX/XXXX, Plaintiff sued XXXX for willfully or negligently violating 15 U.S.C. 1681s-2 ( b ) of the Fair Credit Reporting Act ( " FCRA '' ). Plaintiff alleges that XXXX canceled Plaintiff 's debt, and thus, XXXX 's continued reporting of Plaintiff 's outstanding debt to the CRAs is inaccurate. Plaintiff further alleges that XXXX failed to investigate his dispute in failing to review underlying account information and failing to contact Plaintiff or third parties. Plaintiff alleges XXXX 's continued and erroneous reporting of an outstanding balance on his account harmed Plaintiff 's credit history and creditworthiness.
On XX/XX/XXXX, XXXX filed a 12 ( b ) ( 6 ) motion to dismiss because it claims the furnished information was accurate, thus precluding a violation under 15 U.S.C. 1681s-2 ( b ). ( Doc. 13, p. 7. ) XXXX argues that issuing a 1099-C merely charges off the account and does not discharge the underlying debt. ( Id., p. 1. ) In Plaintiff 's complaint and brief opposing the motion to dismiss, Plaintiff asserts several facts to support that the debt was in fact canceled. The 1099-C form XXXX issued Plaintiff is itself called " Cancellation of Debt. '' The identifiable event code XXXX selected indicated it was the decision or policy of the creditor to discontinue collection and cancel the debt. After issuing the 1099-C, XXXX subsequently discontinued efforts to collect the debt and stopped sending periodic account notices.
The parties dispute whether the court should consider Plaintiff 's opposition brief because it was filed seven days late. The court finds that the late filing did not substantively delay the case or prejudice XXXX. Furthermore, the Third Circuit has " repeatedly stated [ its ] preference that cases be disposed of on the merits whenever practicable. '' Hrirtz v. Woma Corp., 732 F.2d 1178, 1181 ( 3d Cir. 1984 ). Here, by analogy, the court prefers to consider Plaintiff 's arguments rather than to disregard them on procedural grounds. Moving forward, Plaintiff 's counsel must use greater care in calendaring. Plaintiff is also warned that, in the future, filing a motion with " uncontested '' in its title without including a certificate of concurrence will result in the motion being stricken. See M.D. Pa. L.R. 7.1.
The motion has been fully briefed and is thus ripe for review.
XXXX. STANDARD OF REVIEW To survive a motion to dismiss under Rule 12 ( b ) ( 6 ), the plaintiff must allege " factual content that allows the court to draw the reasonable inference that the defendant is liable for the misconduct alleged. '' Ashcroft v. Iqbal, 556 U.S. 662, 678 ( 2009 ) ( citing Bell Atlantic Corp. v. Twombly, 550 U.S. 544 ( 2007 ) ). " When reviewing a 12 ( b ) ( 6 ) motion, we 'accept as true all well-pled factual allegations in the complaint and all reasonable inferences that can be drawn from them. ' '' Estate of Ginzburg by Ermey v. Electrolux Home Prods., Inc. , -- - F. App'x -- --, 2019 WL 4187372, at *3 ( 3d Cir. Sept. 4, 2019 ) ( quoting Taksir v. Vanguard Grp., 903 F.3d 95, 96-97 ( 3d Cir. 2018 ) ). The facts alleged must be " construed in the light most favorable to the plaintiff. '' In re Ins. Brokerage Antitrust Litig., 618 F.3d 300, 314 ( 3d Cir. 2010 ) ( internal quotations, brackets, and ellipses omitted ). But " [ t ] he court is not required to draw unreasonable inferences '' from the facts. 5B Charles A. Wright & Arthur R. Miller, Federal Practice & Procedure 1357 ( 3d ed. 2004 ).
The Third Circuit has detailed a three-step process to determine whether a complaint meets the pleading standard. Bistrian v. Levi, 696 F.3d 352 ( 3d Cir. 2014 ). First, the court outlines the elements a plaintiff must plead to state a claim for relief. Id. at 365. Second, the court must " peel away those allegations that are no more than conclusions and thus not entitled to the assumption of truth. '' Id. Third, the court " look [ s ] for well-pled factual allegations, assume [ s ] their veracity, and then 'determine [ s ] whether they plausibly give rise to an entitlement to relief. ' '' Id. ( quoting Iqbal, 556 U.S. at 679 ). The last step is " a context-specific task that requires the reviewing court to draw on its judicial experience and common sense. '' Id.
III. DISCUSSION " Congress enacted the FCRA in 1970 to ensure fair and accurate credit reporting, promote efficiency in the banking system, and protect consumer privacy. In doing so, Congress sought to preserve the consumer 's privacy in the information maintained by consumer reporting agencies. '' Gelman v. State Farm Mut. Auto. Ins. Co., 583 F.3d 187, 191 ( 3d Cir. 2009 ) ( internal quotation marks omitted ). Once notified of a dispute, a furnisher of credit information has statutory duties, inter alia, to investigate the disputed information and to correct information found to be inaccurate. 15 U.S.C. 1681s-2 ( b ) ( 1 ). To establish a violation [ u ] nder the statutory framework and clear language of the statute, therefore, a consumer must first alert the credit reporting agency that reported the allegedly erroneous information of a dispute. It is then up to the reporting agency to inform the furnisher of information that there has been a dispute, thereby triggering the furnisher 's duty to investigate. It is only when the furnisher fails to undertake a reasonable investigation following such notice that it may become liable to a private litigant under 1681s-2 ( b ).
SimmsParris v. Countrywide Fin. Corp., 652 F.3d 355, 359 ( 3d Cir. 2011 ).
Reasonableness of the investigation is determined based on a balancing of " the potential harm from inaccuracy against the burden of safeguarding against such inaccuracy. '' Seamans v. Temple Univ., 744 F.3d 853, 865 ( 3d Cir. 2014 ) ( internal citation omitted ). Regarding the requirement of " accurate '' information, " even if the information is technically correct, it may nonetheless be inaccurate if, through omission, it creates a materially misleading impression. '' Id. ( internal quotation marks and brackets omitted ). To survive this motion to dismiss, Plaintiff must plausibly allege " ( 1 ) that he notified a credit reporting agency of the dispute under 1681i, ( 2 ) that the credit reporting agency notified the party who furnished the information under 1681i ( a ) ( 2 ), and ( 3 ) that the party who furnished the information failed to investigate or rectify the disputed charge .... '' Vassalotti v. Wells Fargo Bank, N.A., 815 F. Supp. 2d 856, 863-64 ( E.D. Pa. 2011 ) ( internal citation and brackets omitted XXXX.
Here, XXXX does not argue that Plaintiff failed to plead any of the required elements. Rather, XXXX argues that Plaintiff 's claim can not succeed unless the information was in fact inaccurate or materially misleading. See Chiang v. Verizon New England , Inc., 595 F.3d 26, 38 ( 1st Cir. 2010 ) ( holding that a plaintiff must show " actual inaccuracy '' to establish a claim against a furnisher of credit information under 15 U.S.C. 1681s-2 ( b ) ). XXXX claims its report was accurate and that it did not cancel Plaintiff 's debt by issuing the 1099-C. XXXX argues that issuance of the 1099-C does not, as a matter of law, discharge the underlying debt. XXXX XXXX. XXXX, p. 4. ) The parties cite non-binding and conflicting case law regarding the legal import of issuing a 1099-C. XXXX cites cases holding that the issuance and filing of a 1099-C does not legally extinguish the underlying debt. See e.g., In re Zilka, 407 B.R. 684, 689 ( Bankr. W.D. Pa. 2009 ) ; Owens v. Comm'r, 67 F. App'x 253, 2003 WL 21196200, at *3 ( 5th Cir. May 15, 2003 ) ; Fed. Deposit Ins. Corp. v. Cashion, No. 1:11-CV-72, 2012 WL 1098619, at *7 ( W.D.N.C. Apr. 2, 2012 ) ; United States v. Reed, No. 3:09-CV-210, 2010 WL 3656001, at *2-3 ( E.D. Tenn. Sept. 14, 2010 ) ; Leonard v. Old Nat'l Bank Corp. , 837 N.E. 2d 543, 545-46 ( Ind. Ct. App. 2005 ). Still other courts found that the mere issuance of the 1099-C form does not constitute a legal admission that the debt was canceled. See Verdini v. First Nat'l Bank of Pa., 135 A.3d 616, 621 ( Pa. Super. Ct. 2016 ) ; Ware v. Bank of Am . Corp., 9 F. Supp. 3d 1329, 1340 ( N.D. Ga. 2014 ).
Supporting XXXX 's position, the plain language of the applicable IRS regulation states that a creditor may be obligated to file a 1099-C even if the creditor did not in fact discharge the debt. On the form, the creditor must select an " identifiable event, '' the date of which becomes the effective date for the discharge of indebtedness for purposes of the informational report. 26 C.F.R. 1.6050P-1 ( b ). The IRS issued guidance to clarify that the IRS " does not view the 1099-C as an admission by the creditor that it has discharged the debt and can no longer pursue collection. '' I.R.S. Info. Letter, XXXX ( XXXX XXXX, XXXX ).
Courts disagree whether the issuance of a 1099-C should be considered prima facie evidence that a loan was in fact canceled. See In re Washington, 581 B.R. 150, 157 ( Bankr. D.S.C. 2017 ) ( holding that issuance of the 1099-C should " not be considered prima facie evidence that the loan was cancelled '' ) ; contra Amtrust Bank v. Fossett, 224 P.3d 935, 938 ( Ariz. Ct. App. 2009 ) ( holding that issuance of the 1099-C after debt was written off is prima facie evidence that debt had been discharged by creditor and is sufficient to create an issue of fact ).
Other courts have held that it would be inequitable for creditors to continue to hold debtors liable for the debt, given the tax consequences of the 1099-C. See e.g., In re Crosby , 261 BR 470, 474 ( Bankr. D. Kan. 2001 ). The 1099-C issuance negatively impacts debtors because they must generally report the debt discharge as income. See Franklin Credit Mgmt. Corp. v. Nicholas, No. CV980546721S, 2001 WL 893894, *3 ( Conn. Super. Ct. July 12, 2001 ). This matter of equity is raised in this case where Plaintiff alleged paying taxes on the cancelled debt.
Significantly, none of the cases held that it was appropriate for a court to dismiss a consumer 's claim at the pleading stage on the basis that the 1099-C did not discharge the debt as a matter of law. In fact, after holding that the 1099-C should not be prima facie evidence the loan was canceled, the court in In re Washington stated that it must instead look to the entire record to determine if the creditor canceled the debt. In re Washington, 581 B.R. at 157. In the pleading stage of the present case, Plaintiff need not prove but merely plead plausibly that the report was in fact inaccurate and that XXXX failed to reasonably investigate the written dispute of the report 's accuracy and to correct inaccuracies, as required under 15 U.S.C. 1681s-2 ( b ).
The Western District of Kentucky in Johnson v. Branch Banking & Trust Co. arrived at a similar conclusion in denying a motion to dismiss raised by creditor bank where plaintiff consumers brought a 1681s-2 ( b ) claim. No. 3:18-CV-150, 2018 WL 4492478, *2 ( W.D. Ky. Sept. 19, 2018 ). The Johnson parties argued whether the 1099-C canceled the debt, but the court found it unnecessary to adopt either opposing view of the form 's effect, since at the motion to dismiss stage, the court analyzes the plausibility of the pleadings rather than the weight of the evidence. Id. at *2-3. Even though the issuance of the 1099-C standing alone does not prove that the debt was discharged as a matter of law, the debt in fact may have been discharged.
Here, Plaintiff pleaded several facts that reasonably permit an inference that the debt was in fact discharged : the name of the issued " Cancellation of Debt '' 1099-C form, the identifiable event code selected on the form, and the creditor 's activities regarding collection efforts and periodic account notices. Whether the debt was canceled is a factual, context-specific inquiry. Thus, the fact that the 1099-C does not cancel debt as a matter of law is an improper basis for a 12 ( b ) ( 6 ) disposition. Taking the allegations in the complaint to be true and drawing all reasonable inferences in favor of the plaintiff, the court finds that Plaintiff has plausibly pleaded that XXXX failed to reasonably investigate and rectify the disputed balance.
IV. CONCLUSION Plaintiff stated an FCRA claim under 15 U.S.C. 1681s-2 ( b ) that is plausible on its face. The court therefore denies XXXX 's motion to dismiss. An appropriate order shall follow.
XXXX XXXX XXXX XXXX XXXX XXXX United States District Judge Dated : XX/XX/XXXX 2020
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| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX I am writing to you today to formally dispute several inaccuracies and unauthorized credit pulls that have been impacting my life due to the negligent actions of various creditors. I implore you to enforce the legal rights and protections in place to safeguard consumers like myself from the distressing consequences of these violations. I am reaching out to you, not just as a concerned citizen, but also as someone who has experienced firsthand the severe emotional and financial toll caused by these violations.
As an individual who has always strived to maintain a strong credit history, I was dismayed to discover the numerous errors and unauthorized inquiries on my credit report. The violations committed by the creditors have subjected me to significant hardships that extend beyond just financial constraints. These violations have affected my emotional well-being, causing stress and anxiety that have, in turn, impacted my overall quality of life.
XXXX of the most disheartening aspects of this situation is the fact that these violations have not only damaged my financial reputation but have also affected my personal life. For instance, the inaccurate information provided by [ Creditor Name ] regarding my payment history has led to a tarnished credit score, preventing me from securing loans on favorable terms. As a result, I have been denied opportunities to invest in essential assets such as a new home for my family.
The emotional strain has been further intensified by the unauthorized credit pulls that have been recorded without my consent. These unauthorized inquiries have invaded my privacy and left me feeling violated, as my personal financial information has been accessed without my knowledge or permission.
Furthermore, these violations have generated a sense of helplessness and frustration as I strive to rectify the situation. Despite my efforts to address the inaccuracies and unauthorized inquiries with the concerned creditors, my requests for resolution have been met with limited success. This ordeal has not only impacted my financial future but has also taken a toll on my mental health, causing sleepless nights and anxiety about my family 's future.
Here is a comprehensive list of the violations and associated account information : XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX : Account number : Name, The following personal information is incorrect. This is not my name. Delete it immediately from my report.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX CA XXXX XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXXXXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX XXXX XXXXXXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
In light of the violations mentioned above, I respectfully request the following actions be taken : Thorough Investigation : I kindly ask that the CFPB conduct a thorough investigation into the violations committed by the creditors listed in my formal dispute.
Enforcement of Legal Rights : I urge the CFPB to enforce the legal rights and protections in place to ensure that consumers like myself are safeguarded from such violations.
Immediate Removal of Inaccurate and Unauthorized Information : I request that the concerned creditors promptly remove the inaccurate payment histories and unauthorized credit pulls from my credit report.
Documentation of Removal : Following the removal of the inaccuracies and unauthorized inquiries, I request written documentation confirming that the necessary corrections have been made to my credit report.
In conclusion, I hope my personal account of how these violations have affected my life serves as a poignant reminder of the real and lasting impact of creditor negligence. I believe that through your intervention, justice can be served, and I can reclaim my financial security and emotional well-being.
I genuinely appreciate your attention to this matter and your commitment to upholding consumer rights. Thank you for considering my formal dispute and for your dedication to ensuring a fair and just financial landscape for all.
Sincerely, XXXX XXXX XXXX
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| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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XXXX are currently violating the following Consumer Rights Listed Below The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in XXXX that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the
failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures. 15 U.S. Code 1681s2 - Responsibilities of furnisher
s of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
The following accounts should be deleted immediately.
An invoice will also be provided for the listed violations above.
DEPT OF ED / XXXX XXXX XXXX $ XXXX Balance Last Payment Amount XXXXLate Payments XXXX of Account VIEW ACCOUNT DETAILS DEPT OF ED / XXXX XXXX XXXX $ XXXXRemaining Balance Last Payment Amount XXXXLate Payments XXXXAge of Account VIEW ACCOUNT DETAILS XXXX XXXX XXXX $ XXXXRemaining Balance Last Payment Amount XXXXLate Payments XXXXAge of Account XXXX XXXXXXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency.
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type XXXX Original Creditor Name Months Reviewed XXXX Activity Designator CLOSED Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$1300.00} Credit Limit {$1000.00} High Credit {$1300.00} Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CONSUMER DISPUTES AFTER RESOLUTION CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX XXXX For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency.
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type XXXX Original Creditor Name Months Reviewed XXXX Activity Designator CLOSED Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$1300.00} Credit Limit {$600.00} High Credit Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX XXXX ACCOUNT PREVIOUSLY IN DISPUTE NOW RESOLVED BY DATA FURNISHER For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency.
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type XXXX Original Creditor Name Months Reviewed XXXX Activity Designator CLOSED Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$660.00} Credit Limit {$300.00} High Credit Available Credit $ XXXX Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT ACCOUNT CLOSED BY XXXX XXXX For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency.
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type XXXX Original Creditor Name XXXXXXXX XXXX Months Reviewed XXXX Activity Designator Terms Frequency Term Duration Purchased From Sold To Balance and Amounts Balance {$1000.00} Credit Limit {$700.00} High Credit Available Credit $ XXXX Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT For questions regarding this account please contact : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Disputes XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency.
Details Payments Historical Overview Account Number XXXX XXXX Account Status CHARGE_OFF Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed XXXX Activity Designator TRANSFER_OR_SOLD Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$700.00} High Credit Available Credit {$700.00} Account Dates Date Opened XX/XX/XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency XX/XX/XXXX Comments and Contact CHARGED OFF ACCOUNT For questions regarding this account please contact : XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX XXXX Report Date : XX/XX/XXXX CLOSED ACCOUNT STATUS Closed accounts stay on your credit report for up to 10 years since the date of last activity. Negative information such as late payments or collections, generally stay on your XXXX credit report for up to 7 years from the date of first delinquency.
Details Payments Historical Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type REVOLVING Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed XXXX Activity Designator PAID_AND_CLOSED Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$700.00} High Credit {$0.00} Available Credit {$700.00} Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency Comments and Contact ACCOUNT CLOSED BY XXXX XXXX My name is also copy written so apparenty copy right violation must also be considered.
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| 04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : ACCOUNT NUMBER : COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : ACCOUNT NUMBER : STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX DEPT XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX EXXMBLCITI ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX Summary of Accounts being challenged in list form XXXX XXXX ( Original Creditor : XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX EXXMBLCITI XXXX XXXX ) - ( XXXX ) XXXX CONVERGENT OUTSOURCING ( Original Creditor : XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX Summary of Inquiries being challenged in list XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into Metro 2 compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road togetherMy credit report is a representation of my financial standing and I take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility -- so now I'm going through the process of correcting this oversight permanently!
The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records i reviewed my credit report and noticed several incomplete inaccurate furnished accounts on my report. you company are suppose to properly investigate the accuracy before publishing data. You violated the United States Code Law ( TILA 15 U.S Code 1666 ( b ) billing error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S Code 1666 ( b ) billing error -- - ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. The creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. SEC. 4021. CREDIT PROTECTION DURING COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PAN- DEMIC . ( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommoda- tion includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a con- sumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) COVERED PERIOD.The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursu- ant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obliga- tion or account as current. ( iii ) EXCEPTION.
Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off..
Also, see the image above for XXXX XXXX XXXX Original Creditor : XXXX ) ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
2 Year Payment History This a notice to your company on the inaccurate furnished account on my credit report. this is a aware notice that You violated the United States XXXXode Law ( TILA 15 U.S Code 1666 ( b ) billing error ) Recently, I checked my credit report and noticed multiple billing errors under 15 U.S Code 1666 ( b ) billing error -- - ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement. The creditor didnt notify me 21 days before with a statement so there should be no late payments on these accounts. I demand to see hard solid proof from the creditor bank account that I didnt pay and was marked late because this is clearly a billing error. The items below should all be updated to paid as agreed on my consumer report. SEC. 4021. CREDIT PROTECTION DURING COVID19. Section 623 ( a ) ( 1 ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) ) is amended by adding at the end the following : ( F ) REPORTING INFORMATION DURING COVID19 PAN- DEMIC . ( i ) DEFINITIONS.In this subsection : ( I ) ACCOMMODATION.The term accommoda- tion includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. ( II ) COVERED PERIOD.
The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after the date of enactment of this subparagraph ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. ( ii ) REPORTING.Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursu- ant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obliga- tion or account as current. ( iii ) EXCEPTION.Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.. THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy
of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1.
Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Also, see the image above for XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My Only First & Last Name XXXX XXXX XXXX My Only AddressXXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The last 4 of mySSN # XXXX My Only DOB XXXX I RENCENTLY LOOKED AT MY CONSUMER REPORTS AND CONTACTED XXXX/TRANSUNION/XXXX XXXXXXXX XXXX XXXX XXXX AND ALL THE DEBT COLLECTORS ABOUT IDENTITY AND FRAUDULENT ACCOUNTS REPORTED ON MY CONSUMER REPORTS dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore XXXX until validated you know your information concerning this debt is inaccurate.Fraudulent ) [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXXTRANSUNION/XXXX XXXXXXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. Fraudulent ) [ ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply ( 15 USC 1681c-2 - Block of information resulting from identity theft -Fraudulent ) [ ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Fraudulent ) [ ACCOUNT NAME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to dispute several inaccuracies and violations made by XXXX XXXX regarding my account number XXXX. After reviewing my credit reports from TransUnion, XXXX, and XXXX, I discovered discrepancies in the information reported by the creditors.
As per the Fair Credit Reporting Act ( FCRA ), Section 1681e, creditors have a duty to provide accurate information, but in my case, XXXX XXXX failed to do so. They also violated Section 1681i, which requires them to correct and investigate inaccuracies, and Section 1681s-2, which outlines their duties as furnishers of information to consumer reporting agencies.
Furthermore, XXXX XXXX violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in false or misleading representations ( Section 807 ) and unfair practices ( Section 808 ). They also failed to validate my debts, which is a violation of Section 809.
Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312 requires the accuracy of consumer report information, and XXXX XXXX failed to comply with this provision. The Truth in Lending Act ( TILA ) Sections 1640 and 1641 were also violated by XXXX XXXX, as they failed to disclose required information and liability of assignees.
The Real Estate Settlement Procedures Act ( RESPA ) Section 2605 was violated by XXXX XXXX 's failure to adequately service my mortgage loans and administration of escrow accounts. Moreover, the Equal Credit Opportunity Act ( ECOA ) Section 1691 was violated by their discrimination against me.
Lastly, the Fair Credit Billing Act ( FCBA ) Section 1666 was violated by their failure to promptly correct billing errors.
XXXX XXXX I have found several violations of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) that I would like to bring to your attention.
According to my credit report from TransUnion, XXXX, and XXXX, XXXX reported inconsistent and inaccurate information. For instance, TransUnion and XXXX reported a high credit of {$600.00}, while XXXX reported {$0.00}. Additionally, TransUnion and XXXX reported a credit limit of {$300.00}, but XXXX reported {$0.00}. This inconsistency has caused confusion and frustration for me, and I believe it violates Section 1681e of the FCRA, which requires creditors to provide accurate information to credit reporting agencies.
Furthermore, TransUnion reported a Last Reported date of XX/XX/XXXX, but XXXX reported XX/XX/XXXX. This discrepancy also violates the FCRA, specifically Section 1681i, which requires creditors to investigate and correct any inaccuracies found in a credit report.
Moreover, TransUnion reported that the account was " Charged off as bad debt Dispute resolved ; reported by grantor, '' while XXXX reported the account was " in dispute- now resolved - reported by subscriber. Unpaid balance reported as a loss by credit grantor, '' and XXXX reported " Charged off account Charge. '' These conflicting reports not only violate Section 1681e but also Section 1681g, which outlines the specific information that should be included in a consumer report.
In addition to these FCRA violations, I also found violations of the TILA. For example, TransUnion, XXXX, and XXXX all reported different dates for the Last Active date, which is a clear violation of Section 1640. The inconsistency in the Last Active date has made it difficult for me to keep track of my credit history and has caused me undue stress.
XXXXXXXX XXXX XXXX XXXX I have reviewed my credit reports from Transunion XXXX XXXX XXXX and XXXX XXXX and there are several discrepancies that are negatively impacting my creditworthiness and financial wellbeing.
According to Transunion, the high credit reported by XXXX XXXX XXXX is {$3100.00}, while XXXX reports {$0.00} and XXXX reports {$160.00}. Additionally, Transunion and XXXX both report a credit limit of {$3000.00}, while XXXX reports {$0.00}. The last reported date also differs, with Transunion and XXXX reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX.
These discrepancies are in violation of several sections of the Fair Credit Reporting Act ( FCRA ), including Section 1681e ( Duty to provide accurate information ), Section 1681g ( Contents of consumer reports ), and Section 1681i ( Duty to correct and investigate inaccuracies ).
The inaccurate information being reported by XXXX XXXX XXXX is having a severe impact on my life. As a result of this negative information, I have been denied credit, including a car loan and a mortgage, which has prevented me from achieving my personal and financial goals. Additionally, the constant stress and anxiety caused by this situation have taken a toll on my mental health, affecting my relationships and ability to work effectively.
XXXX XXXXXXXX XXXX According to TransUnion XXXX XXXX, the account type was listed as a loan, but XXXX did not report this information. Additionally, TransUnion reported that the date opened was XX/XX/XXXX, while XXXX and XXXX listed it as XX/XX/XXXX. TransUnion also reported a high credit of {$880.00}, while XXXX listed it as {$660.00}, and XXXX reported {$870.00}. Furthermore, TransUnion listed the last reported date as XX/XX/XXXX, while XXXX and XXXX listed it as XX/XX/XXXXXXXX and XX/XX/XXXX, respectively.
According to TransUnion, the account was charged off as bad debt, a profit and loss write-off, while the other two bureaus reported it as an unpaid balance reported as a loss by the credit grantor, and a charged-off account amount in high credit original charge-off amount.
These discrepancies have significantly impacted my credit score and have made it difficult for me to secure loans, credit cards, and other financial products. I have suffered great emotional distress as a result of the negative impact on my financial well-being.
The FCRA violations in this case include : -Section 1681b : Permissible purposes of consumer reports -Section 1681c : Requirements relating to information contained in consumer reports -Section 1681e : Duty to provide accurate information -Section 1681g : Contents of consumer reports -Section 1681i : Duty to correct and investigate inaccuracies -Section 1681s-2 : Duties of furnishers of information to consumer reporting agencies Specifically, I have found discrepancies in the reporting XXXX XXXX of my auto loan account by the three major credit reporting agencies : TransUnion, XXXX, and XXXX. TransUnion and XXXX report the account as an auto loan, but XXXX does not report it at all. Additionally, there are differences in the dates opened and the amounts past due reported by the different agencies.
These discrepancies have had a significant impact on my credit score, which has made it difficult for me to access credit and obtain favorable interest rates. This has had a direct impact on my ability to purchase a home and provide for my family.
I believe that the creditors have violated several sections of the FCRA, including Sections 1681c, 1681e, 1681g, and 1681s-2. These violations have caused significant harm to my credit profile and have resulted in inaccurate and incomplete reporting to the credit bureaus.
XXXX XXXX I believe that these creditors have violated several laws, including Section 1681c, 1681e, 1681g, 1681i, and 1681s-2 of the Fair Credit Reporting Act ( FCRA ).
Specifically, these creditors have provided inaccurate and inconsistent information to the credit reporting agencies, which has had a significant impact on my XXXXredit score and financial well-being. As a result of these inaccuracies, I have been denied credit and have had to pay higher interest rates on loans and credit cards.
For example, XXXX XXXX has reported a past due amount of {$950.00} on my credit report with XXXX, while XXXX reports a past due amount of {$1100.00}. Additionally, XXXX has reported a student loan as a collection account, even though I have made all payments on time and in full. Finally, XXXX has reported inconsistent dates of account opening, last reported date, and date last active across multiple credit reporting agencies, as well as providing inconsistent information about the type of account and the status of the account.
XXXX XXXX and XXXX. I believe that they have violated several sections of the Fair Credit Reporting Act.
According to XXXX and TransUnion credit reports, XXXX has reported that I was 120 days late on XX/XX/XXXX. However, I have not missed any payments on this account. Additionally, TransUnion has reported a different date opened than XXXX for the same account.
Furthermore, TransUnion has reported a high credit balance of {$750.00}, while XXXX has not reported any high credit balance for the same account.
In the case of XXXX, there are discrepancies in the reporting of the opening date, last reported date, and charged-off status of the account across multiple credit reporting agencies.
These inaccuracies have greatly affected my life. As a result of these errors, my credit score has been negatively impacted, making it difficult for me to obtain loans or credit cards. This has caused me significant stress and anxiety, as I have been unable to obtain the financing necessary to pay for important life events, such as a new car or a down payment on a house.
I am requesting that XXXX and XXXX immediately remove these unverified collection accounts from my credit report. I also ask that you enforce the legal requirements of the Fair Credit Reporting Act, including Sections 1681c, 1681e, 1681g, 1681i, and 1681s-2, to ensure that accurate information is reported on my credit report.
XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) with the account number XXXX. I have noticed inconsistencies in the dates provided by TransUnion and XXXX, which have resulted in inaccurate information being reported on my credit report.
According to TransUnion, the Date Opened for this account is XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. Similarly, TransUnion is reporting the Last Reported date as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. Additionally, TransUnion reports that the Date Last Active is XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX.
These inconsistencies are a violation of Section 1681c and Section 1681g of the Fair Credit Reporting Act ( FCRA ), which require that consumer reports contain accurate and complete information about the dates of account opening, last reported date, and date last active.
XXXX XXXX regarding account # XXXX. According to my credit report from TransUnion, the payment status is listed as Collection/Chargeoff. However, I have never received any notification from XXXX XXXX regarding this collection/chargeoff account, and they have never provided me with any documentation or paperwork. Additionally, the other two credit bureaus are not reporting any negative information on my account.
Furthermore, I believe that XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by falsely representing the character, amount, or legal status of the debt. Specifically, they have not provided me with a validation notice as required by Section 1692g ( a ) of the FDCPA within five days of their initial communication with me. This notice should include the amount of the debt, the name of the creditor, and a statement explaining my rights to dispute the debt.
Additionally, XXXX XXXX is violating Section 1681c of the Fair Credit Reporting Act ( FCRA ) by reporting a collection/chargeoff status without providing proper notification or documentation. This is causing significant damage to my credit score and is affecting my ability to obtain credit, which has had a profound impact on my life.
XXXX XXXX, the debt collector for XXXX. I have noticed several inconsistencies in the information reported by TransUnion and XXXX regarding the account number XXXX.
Firstly, TransUnion reported that the date opened for this account was XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. Moreover, the date last active for this account was reported as XX/XX/XXXX by TransUnion, while XXXX reported it as XX/XX/XXXX. In addition, TransUnion reported that the account information was disputed by me, while XXXX reported it as customer disputed account - reported by subscriber. These inconsistencies raise serious concerns about the accuracy of the information reported by these credit bureaus.
Furthermore, I believe that XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by using unfair means to collect or attempt to collect the debt. The inconsistent information on my credit report has caused me significant distress and anxiety, and has negatively affected my ability to secure loans, credit cards, and even employment.
I have reviewed the credit reports from XXXX, XXXX, and TransUnion and found multiple errors that violate federal law.
The account in question is with XXXX XXXX, the original creditor being XXXX XXXX, with an account number of XXXX. The date opened on XXXX and XXXX is XX/XX/XXXX and on TransUnion, it is XX/XX/XXXX. Additionally, the last reported date on XXXX and XXXX is XX/XX/XXXX, while it is XX/XX/XXXX on TransUnion. Furthermore, the last active date on TransUnion is XX/XX/XXXX, while it is XX/XX/XXXX on XXXX and XX/XX/XXXX on XXXX. These inconsistencies violate Section 1681c and 1681g of the Fair Credit Reporting Act ( FCRA ).
I am deeply affected by these errors as they are affecting my ability to access credit and loans. I have been denied credit due to these errors, and this has caused me significant financial distress. I have been struggling to pay for basic necessities, such as rent and utilities, and it has affected my mental health as well. These errors have caused me undue stress and hardship, and I am requesting immediate action to be taken.
Therefore, I request that XXXX XXXX removes this unverified collection account from my credit report, as it is a violation of the FCRA. I also request that you investigate this matter and enforce the legal requirements under Section 1681c and 1681g of the FCRA. I trust that you will take swift action and resolve this matter as soon as possible.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My legal name is XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The last my SNN XXXX XXXX ve sent paper work and complaints from the US Justice Department ( XXXX ) ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS- AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT XXXX TRANSUNION XXXX XXXX XXXX XXXX -XXXX XXXX and the creditors15USC 1681a ( d ) ( 2 ) A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX TRANSUNION XXXX XXXX XXXX IS reporting this information... The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service This is a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of Ive reached out to XXXXTRANSUNIONXXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/TRANSUNION/XXXX then XXXX you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/Transunion/XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint Account name ( -XXXX ) Account number XXXX balance XXXX XXXXDate opened XXXXXXXX XXXX Account name ( XXXX XXXX XXXX ) Account number XXXX Date opened XXXXXXXX Balance {$160.00} 15USC 1681a ( d ) ( 2 ) A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information... The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. Some of the negative accounts have been placed in Collection/Charge-O '' Status WITHOUT mailing mea copy of IRS form 1099- C Cancellation of Debt.
INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX under Federal XXXXaw , and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCP.NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/TRANSUNION/XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report.A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. i demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.
15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.
15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.
15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.
H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.
Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.
Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.
Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.
Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.
Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization.
2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data.
3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing.
4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations.
5. Legal Compliance : Immediate revie
w and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXXXXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XXXX - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
|
| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Consumer Financial Protection Bureau ( CFPB ) Re : Formal Complaint Against TransUnion I. Introduction : I am submitting this formal complaint against TransUnion, a major credit reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other federal laws. This complaint is further supported by the recent data breach, which serves as a testament to TransUnion 's negligence and disregard for consumer rights.
XXXX. Background : TransUnion has consistently demonstrated negligence in their duty to provide accurate credit reporting. Their recent data breach further underscores their lack of commitment to safeguarding consumer data. Despite this breach, they failed to notify affected consumers promptly, exacerbating the potential harm.
I. XXXX XXXX and Implications on XXXX XXXX XXXX 's recent data breach is a glaring testament to their negligence in safeguarding consumer data. This breach not only exposes sensitive consumer information but also casts significant doubt on their ability to verify and validate information accurately. Given this breach, how can consumers, like myself, trust TransUnion to maintain the integrity of our data?
* FCRA XXXX ( c ) ( XXXX ) ( B ) : This section mandates agencies to disclose all information in the consumer 's file at the time of the request. Given the breach, it's unclear if TransUnion can provide accurate data, especially when they have repeatedly failed to verify the accuracy of my accounts.
* XXXX XXXX : This act requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data. The breach indicates a clear violation of this act, further eroding trust in TransUnion 's practices.
XXXX. Specific Account Discrepancies and Violations Highlighting Address Discrepancy
A recurring theme in my disputes with TransUnion is XXXX address discrepancy WHICH THEY REFUSE TO UPDATE. My current XXXX address is XXXX XXXX XXXX, XXXX XXXX, TX XXXX. None of the creditors in question have this address on file, making it impossible for them to have verified any information related to these accounts. This is a clear violation of the FCRA 's mandate for accurate reporting.
* XXXX XXXX XXXX - A collection of {$380.00} was previously removed from my credit report. However, TransUnion has allowed it to be reported again post-dispute, violating FCRA XXXX ( a ) ( XXXX ). How can this account be verified when the creditor doesn't have my correct address TO ALLOW ME TO BE NOTIFIED OF THIS COLLECTION? NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS!
* XXXX XXXX XXXX - This account, reporting a balance of {$23000.00}, was opened fraudulently on XXXX. They do not have my current address on file, making their claim of verification baseless. This is a direct violation of FCRA XXXX ( a ) ( XXXX ) ( A ), which mandates accurate reporting of information. NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS!
* XXXX XXXX XXXX Bank - Similarly, this account is fraudulent and can not be verified. TransUnion 's claim of verification is false, especially given the address discrepancy. This again violates FCRA XXXX ( a ) ( XXXX ) ( A ). NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS!
* XXXX XXXX - This account is illegally reporting with an open CFPB complaint - XXXX. TransUnion reported a repossession despite no late payments. The address discrepancy further emphasizes their inability to verify this information, violating FCRA XXXX ( a ) ( XXXX ) ( C ). NO ADVERSE ACTION WAS SENT TO ME VIOLATING MY RIGHTS!
XXXX. Absence of Adverse Action Notices and Truth in Lending Act XXXX significant concern is the absence of adverse action notices for all the disputed accounts. The creditors do not have my correct address, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, which means I never received any adverse action notices. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) XXXX ( a ), which mandates that users be notified in the event of an adverse action based on information from a credit report.
NO PROOF OF A PROCESS SERVER FROM THE XXXX WHICH IS REQUIRED BY LAW TO COLLECT DEBT!!!!!!!!!!!!!!!!!!! AND IN ADDITION TO THAT NONE OF THESE CREDITORS CAN PROVIDE A RECEIPT OF DELIVERY OF FIRST CLASS MAIL WITH OR WITHOUT SIGNATURE PROVING THAT THEY ACTUALLY SENT THESE ADVERSE ACTIONS TO ME!!!!!!!!!
Furthermore, TransUnion can not shift the responsibility to me for not updating the creditors. The Truth in Lending Act ( XXXX ) ensures that consumers are provided with clear and accurate terms of credit. If creditors do not have the correct address, it indicates a failure in their due diligence, which is protected under XXXX.
IV. XXXX XXXX XXXX and Reporting
It has come to my attention that TransUnion XXXX have received a financial charge from the creditors to report this information on their platform. this was done without my knowledge or without providing me an adverse action notice, it's a clear violation. TransUnion accepted financial incentives to report potentially inaccurate or unverified information, it further undermines their credibility and could be deemed illegal.
XXXX XXXX. XXXX ( a ) ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
" The term 'person ' means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. '' - XXXX U.S.C. XXXX ( b ) This definition clearly encompasses a wide range of entities, including corporations like TransUnion. Therefore, TransUnion, being a corporation, falls under the definition of a " person '' as per the FCRA and is subject to its provisions.
TransUnion, despite its status as a " global company, '' is bound by XXXX federal laws, including the Fair Credit Reporting Act ( FCRA ), when operating within the United States and dealing with XXXX consumers. The FCRA was enacted to protect the rights of XXXX consumers regarding the collection, dissemination, and use of their credit information. As XXXX of the major credit reporting agencies in the XXXX, TransUnion plays a significant role in this process and must adhere to the FCRA to ensure the rights and privacy of XXXX consumers are upheld. Numerous global or multinational corporations have faced legal actions in the XXXX for not complying with XXXX laws. Being a " global company '' does not provide immunity from the legal and regulatory requirements of the countries in which a company operates. For a XXXX XXXX XXXX, trust is paramount. Suggesting that they are not bound by XXXX laws because of their global status can erode trust and harm their reputation among XXXX consumers and regulatory bodies. In summary, TransUnion 's global status does not exempt them from the obligations and responsibilities set forth by the FCRA or any other XXXX federal law. They are obligated to ensure accurate, fair, and lawful handling of credit information for XXXX consumers.
Jurisdiction of XXXX : Any company, regardless of its global presence, must comply with the laws of the countries in which it operates. TransUnion operates within the United States and deals with XXXX consumers, it is bound by XXXX federal laws, including the FCRA.
XXXX of XXXX : The FCRA was enacted to protect the rights of XXXX consumers regarding the collection, dissemination, and use of their credit information. TransUnion, as XXXX of the major credit reporting agencies in the XXXX, plays a significant role in this process. Thus, it is imperative for them to adhere to the FCRA to ensure the rights and privacy of XXXX consumers are upheld.
Legal Precedents : There have been numerous instances where global or multinational corporations have faced legal actions in the XXXX for not complying with XXXX laws. Being a " global company '' does not provide immunity from the legal and regulatory requirements of the countries in which a company operates.
Criminal Activities Committed by TransUnion XXXX in Safeguarding Consumer Data : TransUnion 's data breach exposed sensitive consumer information.
Violation : XXXX XXXX - This act requires financial institutions to explain their information-sharing practices to their customers and to safeguard sensitive data.
Failure to Notify Affected Consumers : TransUnion did not promptly notify consumers about the data breach.
Violation : Fair Credit Reporting Act ( FCRA ) XXXX ( c ) ( XXXX ) ( B ) - This section mandates agencies to disclose all information in the consumer 's file at the time of the request.
XXXX of XXXX Incentives for XXXX : TransUnion accepted financial charges from creditors to report certain information on their platform without proper verification.
Violation : XXXX XXXX. XXXX ( a ) ( XXXX ) Prohibition : ( A ) Reporting information with actual knowledge of errors.
( B ) Reporting information after notice and confirmation of errors.
Inaccurate XXXX of XXXX XXXX : TransUnion violated the FCRA by inaccurately reporting consumer accounts.
Violation : FCRA XXXX ( a ) ( XXXX ) - A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Bank XXXX : TransUnion knowingly engaged in deceptive practices to defraud a bank or another financial institution.
Violation : XXXX XXXX. XXXX - Whoever knowingly executes a scheme to defraud a financial institution.
XXXX XXXX : TransUnion used interstate wire communications to defraud consumers.
Violation : XXXX XXXX. XXXX - Whoever, having devised a scheme to defraud, transmits by means of wire communication in interstate or foreign commerce, any writings for the purpose of executing such scheme.
XXXX XXXX Violations : TransUnion engaged in a pattern of racketeering activity, such as accepting financial incentives for reporting, they could be in violation of the XXXX XXXX and Corrupt Organizations ( XXXX ) XXXX.
Violation : XXXX XXXX. XXXX - It is unlawful for anyone employed by or associated with any enterprise engaged in, or the activities of which affect, interstate or foreign commerce, to conduct or participate in the conduct of such enterprise 's affairs through a pattern of racketeering activity.
TransUnion 's inability or unwillingness to verify or admit to a data breach is a significant concern, especially given the stringent requirements of federal laws that mandate the protection of consumer data.
Lack of XXXX Measures : TransUnion 's potential data breach suggests a lack of adequate security measures to protect sensitive consumer information. Such negligence not only exposes consumers to potential harm but also undermines the trust that consumers place in credit reporting agencies.
Violation of the XXXX XXXX ( XXXX ) : The GLBA requires financial institutions, which includes credit reporting agencies like TransUnion, to ensure XXXX security and confidentiality of customer records and information. A data breach, especially XXXX that is not promptly addressed, is a clear violation of the XXXX 's Safeguards XXXX.
FCRA Implications : The Fair Credit Reporting Act ( FCRA ) mandates that credit reporting agencies must use reasonable procedures to ensure the maximum possible accuracy of the information they collect and disseminate. A data breach can compromise the integrity of this data, leading to potential inaccuracies in credit reports. This not only violates the FCRA but also can have severe consequences for consumers, affecting their creditworthiness and financial opportunities.
Erosion of XXXX : Credit reporting agencies play a crucial role in the financial ecosystem. Consumers, lenders, and various other entities rely on them for accurate credit information. A data breach, coupled with an inability or unwillingness to verify or admit to it, erodes this trust. It suggests that the agency might be more concerned about its reputation than about the consumers it serves.
XXXX XXXX for XXXX XXXX : Beyond specific laws like the XXXX and FCRA, there's a broader federal mandate for companies to protect consumer data. Data breaches can lead to identity theft, financial fraud, and other forms of consumer harm. By failing to prevent a breach or address it adequately, TransUnion is not upholding its responsibility to protect consumers.
In summary, TransUnion 's actions, or lack thereof, in the face of a potential data breach go against the very essence of federal laws designed to protect consumers. Their inability to verify or admit to the breach suggests a deeper systemic issue, potentially indicating a disregard for the very laws and standards that govern their operations.
XXXX and XXXX : For a XXXX XXXX XXXX, trust is paramount. Suggesting that they are not bound by XXXX laws because of their global status can erode trust and harm their reputation among XXXX consumers and regulatory bodies WHICH CONTRAVENES THE FCRA XXXX XXXX TransUnion should be aware that all of these concerns, discrepancies, and violations of the Fair Credit Reporting Act ( FCRA ) and other XXXX federal laws are meticulously documented and on record. If these issues are not addressed and rectified immediately, the intention is to escalate this matter to the XXXX XXXX XXXX for the XXXX XXXX XXXX Texas, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, by XXXX. This escalation will be for both civil and criminal action, seeking remedies for the harm caused.
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| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EVER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or desire and other phone number to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISINFORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting.
I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to demand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed copies of my state issued identification and Social Security number to validate my identity. I believe that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of information are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be eradicated immediately!
THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IRREFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTIMONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILITIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO ENTITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGEMENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELETION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : PLEASE DELETE THE MIS-REPORTING OR NOT PROVEN COMPLIANT ALLEGED NAMES OF : XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX Washington XXXX Washington XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX , la XXXX Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects.Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Might it be known that THIS LETTER of consumer check and challenge for lawful reporting compliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
viii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FORMATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once alleged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable allegation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite mandates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any information, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, ownership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obligations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Federal laws allow me to compel you to retain and or return adequate accountability. Failure or unwillingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identities, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 statements, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove compliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal information.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate. 3. Note the information as disputed BY the CONSUMER on my credit report.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in even a potentially fraudulent account.
According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting the names, addresses and telephone numbers of individuals you contacted during your investigation.
Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. If you have any questions or need additional information, please contact me at address noted below. I think 15-20 Days should be ample enough time to get this completed since this is my NOT my first time contacting your organization.
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| 03/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 03/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : USDOE/XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : US DEPT ED ACCOUNT NUMBER : XXXX STUDENT LOAN CREDITORS : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
2. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
3. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
4. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
5. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
6. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
7. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
14. XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
15. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
16. XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
17. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
18. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX 19. The following personal information is incorrect DATE OF BIRTH : XXXX 20. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX 21. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. Did not consent to unauthorized inquiry XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
36. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
37. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
38. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
39. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX 40. The following personal information is incorrect DATE OF BIRTH : XXXX 41. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX 42. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
43. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
44. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
45. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
46. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX XXXXXXXX 48. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX 49. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX 50. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
51. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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Yes on about the beginning of XX/XX/XXXX I noticed the fluctuation and unusual and unauthorized activities on my organization and or personal accounts. Now due to past interactions and gaps over the course of my life between the ages of XXXX to XXXX and due to the fact that my identity was stolen on or about the years XXXX and I reported to the FTC the identity theft I was wrongly accused of submitting my claim in the untimely fashion after I submitted over {$10000.00} in receipts to the master policy for reimbursement during a situation where 4200 apartments wrongfully and unlawfully locked me out of my home put a false eviction on me to facilitate the ejection of me from my home with fraudulent eviction papers that were manufactured falsely using the judge 's signature in order to procure property that was mine legally lawfully and in all liquidy took themto court filed a claim against them with XXXX, they lost, THROUGH fraudulent LISTING METHODS THEY WERE ABLE TO USE WHILE I CALL IT CRIME TO FISH ME OUT OF MY LIVING SITUATION ILLEGALLY ON FALSE PRETENSES ON TOP OF THAT THE FTC SUBMITTED ME PAPERWORK THROUGH TO XXXX XXXX CYBER CRIME MANAGER FOR REVIEW. SO SOMEHOW DESPITE ME BEING THE CONSUMER ME TAKING THE LANDLORD TO COURT XXXX XXXX AND LANDLORD LOSING TRYING TO EVICT ME I NEVER WAS EVICTED I GOT GRANTED TO STAY BY THE JUDGE PENDING FURTHER ACTION FURTHER ACTION NEVER CAME METRO THE XXXX AND EVERY OTHER FORCE AND ENTITY WERE ABLE TO ILLEGALLY JACK ME AND PROCURE THE PROPERTY UNBEKNOWNST TO THE JUDGE. AT THAT POINT I LOST FAITH IN THE SYSTEM AND LOST FAITH IN GETTING MY INFORMATION TO ANYONE AND I STAYED OFF OF THE RADAR OF ANY CREDIT SOURCES OR ANY FORMS OF CONSUMER TRUST. FAST FORWARD TO NOW AFTER THIS and my INFORMATION NOW BEING AVAILABLE AND USED BY SAID, FRAUDULENT ACTIVITIES, AND other PEOPLE I BEGAN TO UTILIZE MY CREDIT upon release from prison AGAIN. AFTER I BEGIN TO WORK WITH MY ORGANIZATION CHEF XXXX XXXX XXXX AT XXXX XXXX XXXX. THE SAME ACTIVITIES BEING OCCUR AND I BEGIN TO NOTICE STRANGE THINGS BEGIN TO NOTICE LENDERS WERE RETAINING MY INFORMATION AND USING IT IN INACCURATE FORMS UPON CHECKING MY CREDIT REPORT ONE DAY THROUGH TRANSUNION XXXX XXXX AFTER BEING DECLINED OR DISPUTING A NON CREDIT APPROVAL ON MY ALREADY GROWING GOOD CREDIT THIS UPROOTED POTENTIAL PROBLEMATIC SOURCES WITHIN MY FILE SUCH AS ADDRESSES I'VE NEVER LIVED AT, BILLS THAT I'VE NEVER SEEN WITH CREDITORS, I'VE NEVER DEALTvWITH AND OR FINANCIAL COMPANIES. I THEN PLACED A FREEZE ON MY REPORTS THROUGH THE THREE BUREAUS AND A FRAUD ALERT THE FRAUD ALERT LED TO ME BEING ABLE TO SEE MORE ALERTS WHICH LED TO MULTIPLE SOURCES OF BLACKWEB AND DARK WEB INFORMATION OF MINE MY FAMILY IS MY BUSINESS MY PHONE NUMBERS MY EMAIL ADDRESSES AND MY IDENTITY ALL COMPROMISED IN VARIOUS WAYS OF SOURCES AND THEN TO TOP THAT OFF XXXX XXXX A GLOBAL PLATFORM SENT ME A DOCUMENT STATING THEY ARE SORRY FOR A XXXX BREACH OF ALL MY INFORMATION INCLUDING FINANCIAL BIRTHDAY LICENSE INFORMATION AND ALL OTHER VARIABLE INFORMATION TO IDENTIFY ME TO AN UNKNOWN AMOUNT OF SOURCES AND OFFERED ME CREDIT PROTECTION THERE WAS NO PROTECTION THIS WAS AN INSIDE GAME TO GET FURTHER INTO MY LIFE TO GET FURTHER IN Carrier TO FURTHER SABOTAGE MY CREDIT MY SOCIAL SECURITY NUMBER MY STRAW NAME MY ENTITY MY VALUE AND MOST OF ALL THE FAME AND DEMOTE MY INTELLECTUAL PROPERTY AND USED VARIOUS OTHER FINANCIAL BUREAUS AND SUPPOSED TO SECURE SERVICES AND OR PRIVATE ARRANGEMENTS TO FURTHER INJURE ENDURE OR PROCURE ANY OF MY VIRTUOUS AND PROSPEROUS GROWTH OR ANY OF MY POTENTIAL POSITIVE BENEFIT ON THE PLANET SO INSTEAD OF FIXING MY REPORTS OR HANDLING THE BUSINESS THAT THEY WERE INSTRUCTED TO HANDLE BY THE FTC IN A SITUATION WHERE CONSUMERS LIFE IDENTITY AND WHOLE CREDIT SYSTEM THAT HAS BEEN COMPROMISED ON CERTAIN VARIOUS LEVELS AND THEN BEGIN TO FURTHER SELL MY INFORMATION FURTHER ADVERTISING AND FURTHER ENDURE OR BRUISE MY ALREADY QUESTIONABLE ACCOUNTS DUE TO NO FAULT OF MY OWN SO FAILURE TO ERASE FIX OR REPLACE IMPROPER INFORMATION THEY BEGIN TO ADD THAT ON FURTHER AND FURTHER AND THEN PUT A FRAUD TAG ON ME, instead of fraud alert as a remedy INSTEAD OF FIXING.NOW THAT THE PROBLEM HAS POWERED OUT OF CONTROL AND THE PROOF HAS BEEN SHOWN TO ALL IN ANY RELEVANT ENTITIES THESE COMPANIES ARE STILL NOT ERASING IT, THE INVALUABLE INFORMATION OR THE UNTRUE INFORMATION EVEN AFTER POLICE REPORTS AND EVEN AFTER BEING SHOWN FTC PAPERS THEY ARE STILL INSINUATING FRAUD, AS AN IF THESE ARE NOT REAL DOCUMENTS INSTRUCTING REAL ACTIVITIES SO I'M STILL IN A SITUATION WHERE I BEing MISTREATED AND DEVALUED AND STILL BEING SUBJECTED TO DEFAMATION OF CHARACTER STEREOTYPES AND ALL OTHER UNETHICAL METHODS OF TREATMENT FOR CONSUMER RELATIONS. COMPANIES WERE ASKED TO SUBMIT ME ALL USER INFORMATION ON MY STRONG NAME AND ON MY SOCIAL SECURITY NUMBER IN ORDER TO FIX OR REPLACE DAMAGED INFORMATION THEY ARE STILL REFUSING AND THERE IS A CURRENT CLAIM OUT ON THE MASTER Policy. IVE NEVER BEEN INVOLVED CONVICTED OR ATTACHED TO ANY INSURANCE FRAUD EVER IN MY LIFE, AGAIN AND I AM JUST ATTEMPTING TO GET THESE CREDIT BUREAUS TO REMOVE ALL DEROGATIVE OR ADVERSE INFORMATION FROM MY ACCOUNTS AND SUBMIT IT SO THAT I CAN BE PAID OUT ON MY CLAIMS AND ARRANGE FOR NEW ACCOUNTS TO BE OPEN UNDER A CORRECT PROFILE WITH NO ADVERSE INFORMATION I'M SEEKING THE ASSISTANCE OF THE CONSUMER FINANCE BUREAU TO FACILITATE THESE BUREAUS XXXX, TRANSUNION, XXXX IN DISPERSING THESE FILES ON ME AND THEN ALL THE ENTIRETY TO MY ORGANIZATION XXXX IN ORDER TO SECURE CREDIT FILES REPORT FROM THIS POINT FORWARD AND MAKE SURE THAT THEY'RE ALWAYS USED IN THE PROPER AND APPROPRIATE METHOD EVEN TO THE EXTENT OF ISSUING A NEW SOCIAL SECURITY NUMBER DUE TO THE LARGE AMOUNT OF ABUSE ATTACHED TO MY SOCIAL SECURITY NUMBER OR ME REVERTING MY TI MY TAX IDENTITY NUMBER OR MY SOCIAL INTO MY EIN TEMPORARILY UNTIL IT'S ALL FIXED AND WE USE MY EIN AS MY VERIFIED SOCIAL OR NUMBER TO IDENTIFY ME THAT WAY WE CAN CONTOUR AND CONTROL AND CURVE MISUSE OF MY ENTITY IN MY NAME AND ALL FORMS LESS ME OR MYSELF BE USING IT. THEY WERE SUPPOSED TO FIX THIS PROBLEM IN XXXX AND GET ME A NEW IDENTITY SUCH AS NEW LICENSE NEW LICENSE NUMBER THAT WAY WE CAN NO LONGER HAVE TO DEAL WITH THE OLD SITUATION CURRENTLY THE PERSON WHO STOLE MY ID WHICH WAS DATED XXXX ISSUE AND EXPIRES IN XXXX I HAVE NOT HAD MY ID LICENSE IN NEVADA ANYTHING SINCE XXXX AND REFUSAL TO MAKE IT FROM ALL DEPARTMENTS EVEN THE DMV EVEN PER FTC REQUIREMENTS WHICH IS WHY ALL THESE YEARS I STILL HAVE NOT HAD A NEW LICENSE/ID/ANYTHING FROM NEVADA SO HOPEFULLY WE CAN GET THIS COMPLETED AND DONE THIS SO THAT FROM THIS POINT ON NO ONE ELSE CAN USE MY IDENTITY WHICH HAS BEEN LOOSE OPEN AND USED FREELY BY THE STOLEN IDENTITY THAT I TOLD THE DMV TO CANCEL 7 YEARS AGO ALMOST, TO PROCURE OR CURVE ANY MORE FURTHER USE. THIS SAME SAID IDENTITY I DO NOT HAVE OR ID I DO NOT POSSESS AND HAVE NOT SEEN, AND REPORTED STOLEN TO ALL VERIFIABLE SOURCES EVEN THE XXXX XXXX XXXX WHO WOULD NOT GIVE ME THE FOOTAGE OF THE PERSON WHO WENT AND DID A PLAYER 'S CARD WITH MY NAME USING MY IDENTITY AND USING THAT TO PROCURE A PLAYERS CLUB ACCOUNT SECURITY REFUSE TO GIVE ME THE FOOTAGE OF WHOEVER CAME IN AND USED MY ID AND WHO MIGHT STILL HAVE MY IDEAS STILL BE USING IT FOR VARIABLE AND VARIOUS THINGS SO THEREFORE THIS IS IT FINAL AND HOPEFULLY BENEFICIAL COMPLAINT IN ORDER IN STOPPING THE USE OF MY OLD STOLEN ID / LICENSE AND ANY OTHER VERIFIABLE INFORMATION OF MINE SO THAT I CAN NOW MOVE ON WITH MY LIFE AND MY SITUATION IN MY BUSINESS AND NOT HAVE TO WORRY ABOUT SOMEONE ELSE BEING IMPERSONATING OR TRYING TO USE ME MY IDENTITY OR MY ACCESS OR VALUES IN A ILLICIT OR UNAUTHORIZED MANNER SO TO EXPLAIN WHY I STILL DO NOT HAVE PROPER NEVADA LICENSE / ID BECAUSE I WAS REFUSED BY ALL SOURCES AND I ONCE AGAIN WHO STILL THE VICTIM 8 YEARS LATER HAVE NOT HAD A " BRAND NEW ID '' they keep saying the old one is valid, NOT IF I REPORTED IT STOLEN ALMOST A DECADE AGO LESS THE PRISON ID I WAS ISSUED WHEN I WAS RELEASED A YEAR AND A COUPLE OF MONTHS AGO FROM PRISON I HAVE NOT COMMITTED A FELONY OR A CRIME IN ALMOST 7 YEARS I HAVEN'T BEEN CONVICTED OF A FELONY OR A CRIME IN OVER 10 AND YEARS I SHOULD NOT BECAUSE OF A CONVICTION 7 TO 10 YEARS AGO STILL BE SUBJECTED TO ALL THIS MISTREATMENT JUST BECAUSE OF A CHANGING PAST AND THE FACT THAT I'M A EX-FELON WHICH IS IRRELEVANT OR IN NO WAY RELEVANT TO MY CURRENT PATH. SO ALL I'M ASKING IS FOR THESE COMPANIES OR THE THREE BUREAU CREDIT REPORTING AGENCIES AND ALL THEIR AFFILIATES AND THEM IN DERIVATIVES EJECT INFORMATION DEROGATORY FROM MY REPORT AND PROPER AND PERSONAL INFORMATION AND ADDRESSES REPLACE IT WITH THE PROPER INFORMATION AND STIPULATE IN ALL ACCOUNTS CUSTOMER INFORMATION IS SENSITIVE HAS BEEN VICTIMIZED AND VICTIM OF IDENTITY THEFT FOR OVER 7 TO 10 YEARS AND PLEASE TREAT HIS FILE WITH THE MOST CARE FOR THE REST OF MY LIVING LIFE I JUST DO NOT LIKE HAVING TO DEAL WITH AND BE SUBJECTED TO UNFAIR UNETHICAL TRADE PRACTICES TREATMENT METHODS DECEPTIVE SALES METHODS AND ANY OTHER METHODS THAT THESE COMPANIES ARE DOING IN ORDER TO IN INJURE AND OR DAMAGE ME MY ENTITY MY CREDIT AND MY FAMILY 'S CREDIT UNDER FALSE PRETENSES OR OUT OF HATE PREJUDGMENT OR ANY OTHER INEFFECTUAL BIAS I'M CURRENTLY NOW TRYING TO FIX ALL THIS WITH ALL COMPANIES AND MAILING OUT THE INFORMATION IN TEMPLATES THAT WAS GIVEN TO ME IN MY MASTER PACKET FOR MY MASTER POLICY CLAIM THERE WILL BE OTHER COMPLAINTS COMING BECAUSE UNFORTUNATELY THIS IS COMING FROM ALL SOURCES AND LIKE YOU SAID YOU'RE HERE TO IDENTIFY WHERE CONSUMERS ARE BEING WRONGED WRONGFULLY TREATED HOW WHEN WHERE WHY AND FOR WHAT PURPOSES SO YOU CAN IDENTIFY AND FIX THESE ISSUES FOR A FUTURE GENERATIONS AND PEOPLE AND UNFORTUNATELY YOU WOULD BE AMAZED BUT IT'S COMING FROM EVERYWHERE FROM EVERYONE NOT ONE PERSON IS ACTING IN ACCORDING TO LAW GUIDELINES FCC REPORTING LINES FCC GUIDELINE LAWS AND ALL OF THEM ARE SELLING TRADE SECRETS TO EACH OTHER AND THEY ARE IN CLOSE CONTACT WITH EACH OTHER ALL PURPOSELY UNITING UP TO SABOTAGE ME IN ORDER FOR ME TO NOT HAVE WHAT'S RIGHTFULLY MINE AS A RIGHTFUL CONSUMER LAWFULLY, LEGALLY, AND RESPECTFULLY. I WILL BE REPORTING OTHER ENTITIES AND THEIR SELECTED CATEGORIES AS I GO THERE'S GOING TO BE MORE THAN ONE COMPLAINT SO PLEASE DO NOT THINK THIS AND THIS IS SOME FORM OF FRAUD OR FAKING OR MISUSE OF YOUR SERVERS AND SEARCH ENGINES THEN IT'S JUST SO MUCH GOING ON THAT I HAVE TO SINGLE-HANDEDLY ISSUE EACH DEPARTMENT OF EACH PEOPLE AND COMPLAINTS SO THAT YOU CAN SINGLE-HANDEDLY AND EFFECTUALLY HANDLE EACH DEPARTMENT BE AWARE THAT THEY'RE GOING TO TRY TO ATTEMPT TO MANEUVER DIVERT XXXX OR SHIFT THE ATTENTION OF YOUR QUESTIONS TO DIVERT HAVING TO SHOW WHERE THEY BLATANTLY MISUSED, MISHANDLED, OR DID NOT FIX WHAT COULD HAVE BEEN FIXED IN MY REPORT OR IN MY SITUATIONS IN A TIMELY MATTER TO AVOID ME SUFFERING FROM FALSE ACCUSATIONS AND STEREOTYPES AND INNUENDOS.
SO ALL IM SAYING IS THAT ALL THREE OF THESE CREDIT BUREAUS XXXX TRANSUNION AND XXXX CEASE AND DESIST WITH THE SELLING OF MY INFORMATION MY CREDIT PROFILES AND IDENTIFYING INFORMATION TO ANYTHING. IDENTIFYING TO MY CONSUMER, USES WITHOUT MY EXCLUSIVE CONSENT, AND GIVING PERMISSIONS ON A CASE-BY-CASE LENDER BY LENDER AND PRODUCT BY PRODUCT ONLY MANNER. AND THAT ANY OF THESE COMPANIES THAT ARE CAUGHT USING OR BEING DECEPTIVE OR USING MY PERSONAL AND CREDIT INFORMATION IN UNAUTHORIZED MANNERS BE SUBJECT TO CRIMINAL ACTIONS. AND THAT ALL INFORMATION COMING FORTH AT THIS POINT FROM THIS POINT YOU USE IN MY NAME AND MY ENTITY BE ACCURATE AND TRUE IN ALL FORM, OR PERSON, OR PLACES OR THINGS OR BUSINESSES SHOWING AND PROMOTING SUCH INFORMATION BE SUBJECT TO PERJURY CHARGES TO THE HIGHEST LEVEL OF THE COURTS and that they reverse report for funds or replace funds for accounts that were closed unlawfully because of false information and for all over charges and late fees in connection with any accounts that were reported falsely by these bureaus in it an event to sell purchase or supplement for facilitate in gaining or benefiting from selling false or inaccurate information on my credit report. Treat my name and my report and all my personal and business files with the highest level of security possible due to the multiple breaches and uses of my information by both businesses and lenders unlawfully in order to benefit our gain through their own vices or methods and that I'll be provided a free agent personal agent from each bureau TransUnion XXXX and XXXX to handle all relevant creditors files and financial documents that I will be opening establishing or have already had established and keeping all these services and lines of credit and or business services functioning fundamental and secure so that this doesn't never happen again. And that according to the Fair credit reporting act in federal regulations and guidelines no creditor or company lender or funding services or money lending services or any services be allowed to endure or hold one liable for any credit services that are over 7 years old in debt that are in collection for over 7 years still attempting to receive or attain any form of collection according to the statute of limitations on creditors lenders and the amount of time available to seek collections before closed by mandatory audit and deleted from credit profiles and history and all files. And that all companies doing this be subject to fines and/or civil action from plaintiff or defendant person defending their Identity. And that each credit bureau send out to all financial Bill services involved with me and their past lenders or creditors that my credit report is clean accurate and secure and that it is free to do good business with XXXX XXXX XXXX XXXX formally XXXX XXXX XXXX before my son XXXX XXXX XXXX XXXX was born. And in a timely fashion please because I have been waiting over 7 years for this recovery process to be fully initiated by no fault of my own.
|
| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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There is a child support account reporting on my credit report.
Account name XXXX XXXX XXXX Account number XXXX Under 15 U.S.C. 1692g validation of debt I don't recognize how this account is reporting on my credit report. I don't recognize the account number, the account status, the account high balance nor to I recognize the late payments everything here does not meet the FCRA. Also I did not authorize this company to access my credit file nor is this account associated with an credit transaction involving myself.
My rights under 15 USC 1691, 12 CFR 1022.41, 12 CFR 1022.42 the creditors reported information with actual knowledge of errors, 15 USC 1681s-2 have been violated.
On the Transition website I found information regarding this reporting error and it stated Permissible purpose is defined in Section 604 of the Fair Credit Reporting Act ( FCRA ). [ 15 U.S.C. 1681b ] In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
In accordance with the written instructions of the consumer to whom it relates.
To a person which it has reason to believe intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or intends to use the information for employment purposes ; or intends to use the information in connection with the underwriting of insurance involving the consumer ; or intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or otherwise has a legitimate business need for the information in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account.
In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
Conditions for furnishing and using consumer reports for employment purposes.
Certification from user. A consumer reporting agency may furnish a consumer report for employment purposes only if the person who obtains such report from the agency certifies to the agency that the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable; and information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ) [ 1681g ].
Disclosure to consumer In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 615 ( a ) ( 3 ) ; and the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
Conditions on use for adverse actions.
In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- a copy of the report ; and a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
Application by mail, telephone, computer, or other similar means.
If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 615 ( a ), within 3 business days of taking such action, an oral, written or electronic notification -- that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumer 's request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumer 's rights as prescribed by the Federal Trade Commission under section 609 ( c ) ( 3 ).
Scope. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
Exception for national security investigations.
In general. In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that -- the consumer report is relevant to a national security investigation of such agency or department ; the investigation is within the jurisdiction of such agency or department ; there is reason to believe that compliance with paragraph ( 3 ) will -- endanger the life or physical safety of any person ; result in flight from prosecution ; result in the destruction of, or tampering with, evidence relevant to the investigation ; result in the intimidation of a potential witness relevant to the investigation ; result in the compromise of classified information ; or otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
Notification of consumer upon conclusion of investigation. Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made -- a copy of such consumer report with any classified information redacted as necessary ; notice of any adverse action which is based, in part, on the consumer report ; and the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
Delegation by head of agency or department. For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
Report to the congress. Not later than January 31 of each year, the head of each agency and department of the United States Government that exercised authority under this paragraph during the preceding year shall submit a report to the Congress on the number of times the department or agency exercised such authority during the year.
Definitions. For purposes of this paragraph, the following definitions shall apply : Classified information. The term `classified information ' means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.
In general. A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if the consumer authorizes the agency to provide such report to such person ; or the transaction consists of a firm offer of credit or insurance ; the consumer reporting agency has complied with subsection ( e ) ; and there is not in effect an election by the consumer, made in accordance with subsection ( e ), to have the consumer 's name and address excluded from lists of names provided by the agency pursuant to this paragraph.
Limits on information received under paragraph ( 1 ) ( B ). A person may receive pursuant to paragraph ( 1 ) ( B ) only the name and address of a consumer ; an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity.
Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
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| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 06/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX and XXXX XXXX appears on my credit report as of XX/XX/XXXX Whereas i never had done any business with either party concerning my property home and land. I have sent this information thereto all parties multiple times. XXXX has reported me late on three occasions but can not provide verification and validation proof of a contract between myself and them. In fact i have shown that this property was paid in full by way of my infant trust account. Rather credit agencies have ignored this fact. POINTS OF AUTHORITIES - The Plaintiff herein i, woman, XXXX XXXX XXXX had presented XXXX a payment in full as she has done in the beginning of the initial purchase of her property and home on XX/XX/XXXX. Whereas the law states that " The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of XXXX, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) INTENTIONS : The above United States government obligations is hereby accepted and acknowledged and I do assign and pledge the total value of the obligation to the United States of America through the United States Department of the Treasury to be redeemed for value and receivable at the Federal Reserve, the Federal Reserve Bank, and/or any member bank and/or national Association as prescribed by statute ( the act of March 9, 1933 ; the act of May 12, 1933 ; 12 USC 411 ; 18 USC 8 ; and the intentions of the United States Congress concerning THE CURRENT SERIOUS NATIONAL EMERGENCY ). When XXXX purchased the home she required proof that the funds would be wired and or a check would need to be signed if she was receiving a loan from a bank. No bank was present during the alleged lending process made up by XXXX. It is stated that United States coins and currency ( including Federal reserve notes and circulating notes of Federal reserve banks and national banks ) are legal tender for all debts, public charges, taxes, and dues. Foreign gold or silver coins are not legal tender for debts. Rather XXXX failed to state this in their letter what type of currency they would be willing to accept, they where just bent and focused upon not receiving the Tender Of Payment from XXXX XXXX XXXX which is discrimination because the law and or act of 1933 states that this currency is accepted for all property. Plaintiff XXXX XXXX XXXX presented the type of payment thereto XXXX rather they declined the payment. Based upon law whereas XXXX claims that there is no case law [ purgingthemselves ] that supports the Tender Of Payment Currency. Please see below the case laws for types of Currency used for paying for property be it judicial or non judicial Mortgage or Deed Of Trust. In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the mortgage or deed of trust is the document that pledges the property as security for the loan. 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. NOTICE : XXXX nor other Defendants never made mention thereto what currency they where speaking of be it fiat Federal Reserve Notes etc, .. They the Defendants only hinted toward types of formats of payments such as Check Money Order but that is non descriptive and misleading in explanation without clarity and definition. Thus being fraud. XXXX failed to provide law [ s ] that exempts them from not receiving the Tender of Payment. Whereas the law says that if the Tender Of Payment is not accepted and a letter declining the payment stating denial this makes that debt discharged by law as presented multiple times to XXXX and XXXX XXXX Please see Defendant ( s ), XXXX, the alleged servicer to and XXXX XXXX unknown participants, whom alleges to have servicing rights from XXXX whom have no employees nor an office location physically. As well no known addresses and corporate employees not even a secretary whom have been alleged to be the originator of loan made up fraudulent loan attempt, also the Nominee and beneficiary, XXXX XXXX also known as the alleged Trustee on behalf of XXXX unknown in relationship as to Trustee, XXXX XXXX made attempts to send notices via regular mail during the time of XX/XX/XXXX, whereas they threatened to foreclose and sale without verification and or validation and no contract between XXXX XXXX XXXX and said corporations and or banks including XXXX. Defendants entered into this matter related to a trust in the capacity that is unsustainable, and thus is perceived as standing in its unadulterated non-immune capacity and is liable for all damages incurred, assessments as well as penalties. On its face it appears that the Respondents intent and purpose, was to take up the election to treat the within reference complaint as a dream, rather than a promise to pay. A complaint is a promise to pay, and a draft is an order to pay, and the person holding the instrument can treat it as either. The court converted the coolant to a draft [ a nom of currency conversion ]. There might be cause for one to raise and/or complaint that they lack understanding, so can the research department contact their legal department and have them respond? Rather the Research Dept makes it oh so confusing as to who is really speaking on the behalf of XXXX and or XXXX XXXX. PROOF OF PAYMENT FROM CREDITED ACCOUNT : - The Plaintiff XXXX XXXX XXXX has presented proof that the funds were drawn from her infant trust account due to her private account number [ Social Security Number ] credited account number was used to purchase the property and XXXX or the Defendants failed to dispute this fact. When there is no check to provide payment or a wire confirmation of payment according to the Nevada law i.e. GOOD FUNDS : Which was made effective XX/XX/XXXX, whereas the State Of Nevada enacted the Good Funds legislation [ NRS645A ] The law states that for escrow to close on the same day of closing the transaction with the Title company funds would be Tendered in office by interbank electronic wire transfer during the same day. Well this contradicts XXXX and their proof of alleged loan because the wire transaction or check was not produced by the end of day business in fact there wasn't any transaction or loan check created by XXXX because they where not present. Nor was XXXX involved in the beginning of the purchase of the Plaintiffs XXXX XXXX XXXX. More over XXXX appeared on XXXX XXXX XXXX credit in XX/XX/XXXX not on the day of closing which was XX/XX/XXXX. There was and is no proof of a loan from XXXX XXXX XXXX nor XXXX XXXX XXXX. The only information for wire came from XXXX XXXX XXXX the infant trust. The wire transfer came from a Federal Reserve Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX [ XXXX ] whereas the Plaintiffs account is held. No record of XXXX nor XXXX XXXX involvement during said wire. Please see the Affidavit of Preemptive Letter Without Rebuttal after 30 days [ XXXX XXXX XXXX ] Just as in the case law presented herein there was no money transferred from one bank in this matter to another bank show a loan took place. This is plainly presented thereto XXXX and XXXX XXXX on multiple occasions within three affidavits and one judgment against the Defendants herein. It was stated by XXXX in writing thereto the CFPB and to the Plaintiff by way of letter and USPS mail that XXXX does not recognize your proposed process as legitimate under the terms of the Note and the laws of the State of Nevada or the United States. In fact, your views are not recognized by any court of law or administrative tribunal within the United States. It is XXXX position that any court or other extra-legal proceedings initiated by you and/or your alleged notary/escrow agent in this matter against XXXX, its officers, agents, or vendors, as a result of XXXX complying with its rights, obligations or requirements under the terms of the Note and Deed of Trust, and Federal and/or State law would be frivolous, without merit, and an abuse of process. You are further reminded that your obligations under the terms of this duly executed Note and Deed of Trust are binding, valid and fully enforceable at law. XXXX must respectfully decline the Tender of Payment Offering Government Obligations Remittance Coupon that you have mailed to XXXX with the intent to fully satisfy and discharge this loan. You are again reminded that said document will not fully satisfy your obligation under the terms of the Deed of Trust and Note for the loan, and is not an acceptable form of payment or an allowable transfer of property, as described under the Deed of Trust and the Note for the above referenced loan obligation. XXXX will not accept or honor the Government Obligations Remittance Coupon. In your correspondence your request the removal or discharge of the loan from the credit reporting agencies. XXXX must respectfully decline your request to remove the reporting as the loan is valid, due and payable. XXXX holds the original Note you signed with XXXX XXXX XXXX, a Corporation ( XXXX ). This is Fraud identity theft and perjury! Committed by all the Defendants herein. XXXX and their agents stated that XXXX XXXX XXXX allege that XXXX and XXXX XXXX XXXX XXXX ( XXXX ), have altered, recreated or modified loan documents. Enclosed are copies of the original loan documents you signed with XXXX, which were transferred to XXXX upon the servicing transfer. As evidenced by the documents, no alterations have been made to any of the documents. It is common practice for the loan number to change as the loan transfers between servicers as specified in the Welcome Letter ( copy enclosed ) provided, but all original terms remain the same. Should you wish to make an appointment to come to our office and view the original signed Note, it will be available for a period of 60 days from the date of this letter. You may call and schedule an appointment to come and view the original document by calling me directly or by calling Mr. XXXX XXXX, Supervisor of XXXX Research and Correspondence Department, at ( XXXX ) XXXX extension XXXX. In your correspondence dated XX/XX/XXXX, you state that you have proof that your loan was paid off by way of your Infant Trust Account but do not reference a date in which the full payoff of the loan was made. If you have made a payment in full of this loan, please provide me with a copy of the cashed certified funds check or proof of wire so that I may further research the location of the funds. As of the date of this letter, your loan is due for the XX/XX/XXXX. The unpaid principal balance is {$390000.00}. This is Fraud identity theft and perjury! Committed by all the Defendants herein. Plaintiff had made multiple attempts to resolve the matter XXXX and or the Defendants herein continues to send strange letters without verifying who the letter is from threatening to foreclose on the property owned and paid for by XXXX XXXX XXXX. In fact there is no other routing numbers other than that of my personal and private infant trust account and the routing number of the bank that is tied to my infant trust account located in Texas. There is no check return check signed by me thereto the Defendants and there is no proof of a loan by the defendants at any point in time. XXXX makes excuses on not answering the questions legally posed to them trying not to incriminate the controllers and implicate others such as XXXX and XXXX. According to the FCRA the debt must be disclosed in all facets and any lack of disclosure nullifies any alleged contract. As well there is no lien or credit history from the date of the purchase of said property on XX/XX/XXXX whereas if XXXX was involved which they where not, their time line and statute of limitations for recording this information expired on XX/XX/XXXX. For there is no record of the Defendants until XX/XX/XXXX.
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| 03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX/XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AFFIDAVIT OF TRUTH IN THE NATURE OF SUPPLEMENTAL RULES OF THE FAIR CREDIT REPORTING ACT AND BY ALL LIGAL RIGHTA AS THE CONSUMER Consumer enforcement as administrative counterclaim my private right of action notice to all DAY XX/XX/XXXX DATE XX/XX/XXXX credit agencies ATTN : DISPUTE DEPAERTMENT RE : inaccurate information IN COMMERCE, EVERYTHING MUST BE STATED IN TRUTH.
I, being a natural person in fact a national person, a private person, a living soul, a consumer and secure party and not a statutory person residing in the state of New York in the country of America called XXXX XXXX do hereby solemnly declare say and state one secure party is hearing everything stated in this truth affidavit is the truth the whole truth and nothing but the truth and all stated is true correct complete and not missing or misleading. NO THIRD PARTIES ALLOWED.
PLAIN STAEMENTS ABOUT THE FACTS : FACT, the truth in lending act is intended to inform consumers about the cost of credit.
FACT, the truth in lending act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it.
FACT, XXXX is aware and has proof in attachment labeled as exhibit ( A ) THAT THESE ACCOUNTS ARE INFACT inaccurate.
FACT credit agencies are aware that the said accounts list below are inaccurate.
FACT the reporting of inaccurate information has affected my character, my reputation, my livelihood, and ability to obtain credit and a house, you and your company have affected my livelihood.
Notice to agent is notice to principle notice to agent.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) The information is, in fact, inaccurate.
Duty : a moral and legal obligation Accurate : correct in all details in exact Prohibition : a law and regulation forbidding something As defined by the IRS, even if you didn't receive a tax form 1099-C you must report cancel debt and gross income.
THE IRS clearly states charge off as income the reporting of this account is inaccurate.
INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, WHICH MAKES THIS RPORTING INACCURATE.
By definition the IRS clearly states the charge off is income the reporting of this account as inaccurate under the law.
15 USC 1681-S-2 you are a furnisher of information to the reporting to the credit Bureau agencies a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are prohibited by law from furnishing inaccurate information. I demand that you cease and disease this inaccurate information immediately.
You are hereby put on notice you have been reporting inaccurate information.
The lender must file a 1099-C and you must forward me a copy of the debt if more than {$600.00} and the lender is a federal institution credit union and government agency , please send me my form 1099-C that they should have sent me that they filed as cancelled debt. in conclusion you are hereby put on notice, and I have clearly shown you this inaccurate information this reporting has caused my family a tremendous financial loss as I am not able to process fully with my livelihood you have 10 calendar days to remove this from my credit report.
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER XXXX Account name : XXXX XXXX Account number : unknown are in violation of my consumer rights.
therefore, I am telling you in writing, I have never given any written permission to anyone to use my identity or to report any of this information on my credit report or GIVE, SHARE, DONATE, USE OR SELL my personal information OR IDENTITY to anyone, I ask that these accounts be promptly REMOVED/DELETED from my consumer report, no later than 10 business days after the receipt of this affidavit in accordance with FCRA the information is false and inaccurate and it is also hurting my chances at receiving credit from financial institutions, to get loans to buy a house or to buy a car, even to rent an apartment so as a consumer and a victim I XXXX XXXX ask that you delete, immediately these accounts as they do not belong on my consumer report. the laws are clearly in place for the protection of every consumer, myself included, I ask that you do your due diligence in response to this letter and promptly remove/delete all of these accounts without prejudice. all listed above being true and factual that the accounts listed are inaccurate and any inquiries made in association with these accounts should be deleted promptly and expeditiously also listed below is my personal information in truth and in fact as a living being.
Also, I ask that all inquiries associated with these accounts be removed from my consumer report I would also like to ask that you check my name, phone number address place of employment, here I will give you a list of my entire identity as a real living person with my identification at the top of this letter shows with original documentation.
NAME ADDRESS : PHONE : EMPLOYMENT ALL OTHER NAMES, PHONE NUMBER, ADDRESSES, AND PLACE OF EMPLOYMENT SHOULD BE REMOVED WITHIN XXXX BUSINESS DAY OF THE RECIEPT OF THIS LETTER The inquiries associated with each of the accounts listed above should be deleted immediately upon receipt of this affidavit.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX NY XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ATTN : DISPUTE DEPAERTMENT ATTN : FRAUD DEPARTMENT RE : IDENTITY THEFT XXXX. Prohibiting unfair, deceptive, or abusive acts or practices ( a ) In general The Bureau may take any action authorized under part E to prevent a covered person or service provider from committing or engaging in an unfair, deceptive, or abusive act or practice under Federal law in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service.
( b ) Rulemaking The Bureau may prescribe rules applicable to a covered person or service provider identifying as unlawful unfair, deceptive, or abusive acts or practices in connection with any transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service. Rules under this section may include requirements for the purpose of preventing such acts or practices.
( c ) Unfairness ( 1 ) In general The Bureau shall have no authority under this section to declare an act or practice in connection with a transaction with a consumer for a consumer financial product or service, or the offering of a consumer financial product or service, to be unlawful on the grounds that such act or practice is unfair, unless the Bureau has a reasonable basis to conclude that- ( A ) the act or practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers ; and ( B ) such substantial injury is not outweighed by countervailing benefits to consumers or to competition.
( 2 ) Consideration of public policies In determining whether an act or practice is unfair, the Bureau may consider established public policies as evidence to be considered with all other evidence. Such public policy considerations may not serve as a primary basis for such a determination.
( d ) Abusive The Bureau shall have no authority under this section to declare an act or practice abusive in connection with the provision of a consumer financial product or service, unless the act or practice- ( 1 ) materially interferes with the ability of a consumer to understand a term or condition of a consumer financial product or service; or ( 2 ) takes unreasonable advantage of- ( A ) a lack of understanding on the part of the consumer of the material risks, costs, or conditions of the product or service.
( B ) the inability of the consumer to protect the interests of the consumer in selecting or using a consumer financial product or service; or ( C ) the reasonable reliance by the consumer on a covered person to act in the interests of the consumer.
Form 1099-C is to be used only for cancellations of debts for which the debtor actually incurred the underlying debt. 2. An identifiable event has occurred. It does not matter whether the actual cancellation is on or before the date of the identifiable event.
Form 1099-C : Cancellation of Debt is required by the Internal Revenue Service ( IRS ) to report various payments and transactions made to taxpayers by lenders and creditors. These entities must file Form 1099-C if {$600.00} or more in debt was canceled or forgiven. Taxpayers who receive the form must report the amount indicated as other income on their tax return.1 Canceled debt must be reported as taxable income on annual tax returns even if the issuer doesnt send a Form 1099-C because the canceled debt is less than {$600.00} Internal Revenue Service. " Topic No. 431 Canceled Debt Is It Taxable or Not? '' KEY TAKEAWAYS A lender that cancels or forgives a debt of {$600.00} or more must send Form 1099-C to the IRS and the borrower.
If you receive a 1099-C, you may have to report the amount shown as taxable income on your income tax return.
Because its considered income, the canceled debt has tax consequences and may lower any tax refund you are due.
There are three copies of the 1099-C. The lender must file Copy A with the IRS, send you Copy B, and retain Copy C.3 If you borrowed money from a commercial lender and at least {$600.00} of that debt was canceled or forgiven, you should receive Form 1099-C from the lender.4 Internal Revenue Service. " Instructions for Form 1099-A and C. '' For example, assume you borrow {$10000.00} and default on the loan after repaying {$4000.00}. If the lender cant collect the remaining debt from you, it may cancel the debt, which means the remaining {$6000.00} is reported on Form 1099-C. This amount is generally considered taxable income.
Common reasons lenders send 1099-C forms include : Foreclosure Repossession I NEVER RECEIVED THIS FORM 1099 FROM THE LENDERS LISTED.
These lenders are committing deceptive tactics. Reporting income as debt on my consumer report I ask that this inaccurate information be removed from my consumer report as it is a federal crime to report income on my consumer report as this is clearly not debt, I never received any 1099C from any of these institutions nor the original creditors of the collections being reported on my consumer report by XXXX XXXX XXXX and XXXX XXXX as these financial institutions know the law and understand the law much better than I do as a regular human being and the sovereign of the United states constitution and Laws so I'm giving you fair notice that these financial institutions listed are committing a huge fraud a huge deceit destroying my credit disrupting my pursuit of happiness and undermining Congress 's laws set forth for the protection of the consumer which I am one you now have 10 days from the receipt of this affidavit to remove all of the accounts listed in this affidavit failure to do so will result in legal action filed against the credit bureaus for knowingly and willfully reporting inaccurate information 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I, on many on many occasions have disputed the accounts listed affidavit which I have all of the paperwork for turn on every occasion the credit bureaus verify the account as accurate every single account listed here came back as a verified account per the data furnisher the credit bureaus have a vital responsibility to insure that maximum accuracy of a credit report is it compliance for per the fair credit reporting act and the FD CPA the credit bureaus and the financial institutions listed are in full violation of my consumer rights it should be held accountable these accounts are not removed within 10 days of the receipt of this letter affidavit I have no choice but to start taking legal proceedings against the credit bureaus and the financial institutions 15 U.S. Code 1681q - Obtaining information under false pretenses.
U.S. Code Notes prev | next Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both.
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| 03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : Unknown ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Dear Sir/Madam, I am writing to dispute the accuracy of the information reported on my credit report by the creditor, XXXX, regarding account number XXXX. The creditor has reported inaccurate information that has caused me undue financial hardship and emotional distress.
The creditor has violated multiple laws, including the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and Fair Debt Collection Practices Act ( FDCPA ). Specifically, the creditor may have violated the following sections : FCRA Section 607 ( b ) : This section requires that credit reporting agencies maintain accurate information in consumer reports. The creditor may have violated this section by reporting inaccurate information about my payment history.
FCRA Section 611 : This section gives consumers the right to dispute inaccurate information in their credit reports. I have disputed the inaccurate information, but the creditor has not corrected it, thereby violating this section.
FACTA Section 612 ( a ) : This section requires that credit reporting agencies provide consumers with a free annual credit report upon request. The creditor may be in violation of this section if I have not received my free credit reports.
TILA Section 127 : This section requires that creditors provide accurate and timely disclosures of the terms and conditions of credit. If the creditor provided inaccurate information about my credit limit or the date the account was opened, they may be in violation of this section.
FDCPA Section 807 : This section prohibits debt collectors from collecting any amount that is not expressly authorized by the agreement creating the debt. If the creditor attempted to collect a debt that was not owed, they may be in violation of this section.
The inaccurate information reported by the creditor has had a significant impact on my life. I have been denied credit, including a car loan, due to the negative information reported on my credit report. Additionally, the creditor 's inaccurate reporting has caused me emotional distress and anxiety.
Therefore, I am requesting that the creditor remove the unverified collection account from my credit report and take appropriate action to correct any inaccurate information that has been reported. I also request that the creditor be held accountable for the violations of the aforementioned laws.
XXXX XXXX with account number XXXX. The account is reporting that it was opened on XX/XX/XXXX, by Transunion, and on XX/XX/XXXX, by XXXX, but not by XXXX. The Last Reported Date for Transunion was XX/XX/XXXX, whereas the Last Reported Date for XXXX was XX/XX/XXXX. XXXX omitted to report. Transunion was reported once more. Date Experian was last active on XX/XX/XXXX, or it was XX/XX/XXXX for XXXX.
I believe that the creditor has violated several sections of the Fair Credit Reporting Act ( FCRA ). Specifically, the creditor may have violated Section 607 ( b ) by failing to report the account to XXXX, and Section 605 by reporting inaccurate or incomplete information to Transunion and XXXX. In addition, if I have disputed the accuracy of the information with the CRA and they have not conducted a reasonable investigation, the creditor may be in violation of Section 623.
The impact of this inaccurate and incomplete information on my credit report has been devastating. It has affected my ability to secure credit and has led to higher interest rates and fees. This has caused me significant financial stress and has made it difficult for me to provide for my family.
Therefore, I ask that you enforce the legal protections provided to me under the FCRA and require the creditor to remove this unverified collection account from my credit report.
XXXX XXXX, with account number XXXX. According to the information provided by the credit reporting agencies, Transunion and XXXX reported the account as opened on XX/XX/XXXX, and XX/XX/XXXX, respectively. However, XXXX did not report the account at all. Additionally, there are discrepancies in the reported high credit score for the account.
I believe that XXXX XXXX has violated Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to report the account to XXXX, and Section 605 of the FCRA by reporting inaccurate and incomplete information to Transunion and XXXX. Furthermore, XXXX XXXX may have violated Section 623 of the FCRA by failing to conduct a reasonable reinvestigation of my dispute.
These inaccuracies have had a significant impact on my life. I have been trying to obtain a loan to start my own business, but the negative information on my credit report has made it difficult for me to secure financing. I have been struggling financially, and the inability to obtain funding has prevented me from pursuing my dreams and providing for my family.
I am requesting that XXXX XXXX be required to remove the unverified collection account from my credit report in order to bring it into compliance with the FCRA.
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX : Transunion reports this account as a collection, but XXXX and XXXX do not. Additionally, Transunion recorded the date opened as XX/XX/XXXX, but XXXX and XXXX did not.
These errors are in violation of Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies maintain accurate information in consumer reports. If Transunion is reporting the account as a collection and XXXX and XXXX are not, the creditor may be in violation of this section. Furthermore, Section 623 of the FCRA requires that CRAs conduct reasonable reinvestigations of disputed information. If you have not conducted a reasonable investigation of my dispute, the creditor may be in violation of this section as well.
These mistakes have had a significant impact on my life. As a result of these errors, I have been denied credit, loans, and housing opportunities that I would otherwise qualify for. I have been forced to pay higher interest rates on the credit that I have been able to obtain, resulting in unnecessary financial strain.
I am requesting that you take immediate action to remove these unverified collection accounts from my credit reports. I believe that this is the only appropriate remedy for the harm that has been caused by these errors.
XXXX XXXX XXXX XXXX : This account is reporting credit card information on Transunion and XXXX , but XXXX did not . Furthermore, Transunion and XXXX reported a credit limit of {$3500.00}, while XXXX reported none. The last active dates reported by each bureau also vary significantly, with Transunion showing XX/XX/XXXX, XXXX showing XX/XX/XXXX, and XXXX showing XX/XX/XXXX.
These discrepancies may be in violation of Section 607 ( b ), which requires that credit reporting agencies maintain accurate information in consumer reports. Additionally, Section 605 requires that credit reporting agencies follow reasonable procedures to ensure the maximum possible accuracy of consumer reports. If the information reported by Transunion and XXXX is inaccurate or incomplete, the creditor may be in violation of this section.
XXXX regarding account number XXXX. According to my credit reports from Transunion, XXXX, and XXXX, there are inconsistencies and potential violations of the Fair Credit Reporting Act ( FCRA ).
Section 607 ( b ) of the FCRA requires that credit reporting agencies ( CRAs ) maintain accurate information in consumer reports. If Transunion and XXXX are reporting conflicting information about the account 's payment status and date opened, the creditor may be in violation of this section. Additionally, Section 623 ( a ) ( 8 ) of the FCRA requires that CRAs include a consumer 's statement in their credit report if the consumer disputes the accuracy of any information in their file. If I have disputed the accuracy of the information with the CRA and they have not included my statement, the creditor may be in violation of this section.
This inaccurate information has had a significant impact on my life. Due to the negative information being reported, my credit score has dropped significantly, making it difficult for me to obtain loans or credit cards with reasonable interest rates. I have been denied job opportunities and apartments due to the false information being reported.
I am requesting that XXXX immediately remove the unverified collection account from my credit report. I also request that the CRAs include my statement disputing the accuracy of the information in their reports.
Furthermore, I would like to bring to your attention a potential violation of Section 611 ( a ) ( 1 ) of the FCRA, which requires that CRAs provide a free copy of the consumer 's credit report once every 12 months. If I have not received a free copy of my credit report from any of the CRAs in the past 12 months, they may be in violation of this section.
XXXX XXXX and the CRAs are reporting conflicting information regarding the high credit balance and date last active of my account. Transunion is reporting a high credit balance of {$3900.00}, while XXXX is reporting a balance of {$0.00}. Furthermore, Transunion is reporting a date last active of XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX and XXXX has not reported anything at all. This conflicting information may be a violation of Section 607 ( b ) of the FCRA, which requires that CRAs maintain accurate information in consumer reports.
Secondly, XXXX XXXX and the CRAs are not accurately reporting the date of delinquency on my account. This may be a violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires that CRAs include the date of delinquency on any account that is reported as being delinquent.
Thirdly, the account is inaccurately reported as charged off or in dispute, which may be a violation of Section 623 ( a ) ( 5 ) of the FCRA, which requires that CRAs report the current status of the account accurately.
Lastly, I have not received a free copy of my credit report from any of the CRAs in the past 12 months, which may be a violation of Section 611 ( a ) ( 1 ) of the FCRA, which requires that CRAs provide a free copy of the consumer 's credit report once every 12 months.
XXXX regarding account XXXX. According to my credit report, this account is being reported differently by different credit reporting agencies, with TransUnion and XXXX reporting it as a credit card, while XXXX is not reporting the account type at all. This discrepancy is a violation of Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies maintain accurate information in consumer reports.
In addition, I am concerned that there may be inaccuracies in the reporting of the date of delinquency and the current status of the account. According to XXXX and XXXX, I was 30 days late on XX/XX/XXXX, but TransUnion shows that I made all payments on time. This discrepancy may be a violation of Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 5 ) of the FCRA, which require that credit reporting agencies report the date of delinquency and the current status of the account accurately.
This situation has had a significant impact on my life. As a result of these inaccuracies, my credit score has been negatively impacted, which has made it difficult for me to obtain credit and loans at reasonable rates. I have been unable to secure a mortgage to purchase a home and have had to put off other important financial decisions. These inaccuracies have caused me undue stress and hardship, which is unfair and unjust.
I am requesting that XXXX remove these unverified collection accounts from my credit report and take the necessary steps to ensure that my credit report accurately reflects my payment history and current account status.
XXXX XXXX and XXXX XXXX XXXX XXXX ( # XXXX ). I have been severely affected by these false reports, as they have made it nearly impossible for me to secure a loan or credit card with favorable terms.
According to my credit report from XXXX, XXXX XXXX has reported my account as being in collections or chargeoff with an unpaid balance. However, neither TransUnion nor XXXX has reported anything on this account. Additionally, XXXX XXXX XXXX XXXX, to whom XXXX sold my account, has failed to provide me with any necessary paperwork or a signed agreement. As a result, I am disputing the accuracy of this report.
I believe that XXXX XXXX and/or the credit reporting agencies may be in violation of FCRA Section 607 ( b ) and 623 ( a ) ( 1 ) ( A ) for reporting incomplete and inaccurate information. Furthermore, FCRA Section 623 ( a ) ( 2 ) may have been violated due to the inaccurate reporting of the date of delinquency. Additionally, if XXXX XXXX XXXX XXXX is considered a debt collector, they may be in violation of FDCPA Section 809 ( b ) for failing to send me a written notice within five days of their initial communication, and FDCPA Section 807 ( 2 ) ( A ) for making false or misleading statements.
I want to emphasize how much this has affected my life. Due to these inaccurate reports, I have been denied credit and loans on numerous occasions. I have also had to pay higher interest rates on credit cards and loans that I was able to secure, leading to increased financial strain. This has caused me immense stress and has made it difficult for me to achieve my financial goals.
Therefore, I am requesting that these unverified collection accounts be removed from my credit report. I also urge the CFPB to enforce the laws that have been violated in this case to ensure that consumers are protected from such practices in the future.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
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| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My Only First & Last Name XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX CA XXXX The last XXXX of my SSN # XXXX My Only XXXX XX/XX/XXXX, ) Ive sent paper work and complaints from the US Justice Department ( XXXX ) ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX-TRANUNION-XXXX-XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports . Yet XXXXTRANUNION-XXXXXXXX XXXX XXXXXXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved. I [ XXXX XXXX XXXX ], issue this urgent and non-negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX XXXX ]. I also serve as my agent and attorney-in-fact in all relevant matters.
Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith.
Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action.
Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization.
2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data.
XXXX. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing.
XXXX. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations.
XXXX. Legal Compliance : Immediate review and adherence to all relevant XXXX codes and legislation cited in this affidavit to ensure full compliance.XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXXXXXX TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX-TRANUNION-XXXX XXXX XXXX XXXX XXXXXXXX this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXXXXX XXXX XXXX XXXX XXXXXXXX the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c- 2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy
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| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I HAVE LETTER FROM XXXX XXXX XXXX SAYING NOT VERIFIED
Name: XXXX XXXX Date: XXXX XXXX XXXX XXXX XXXX IL XXXX
D.O.B XXXX
SSNXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence.
Under the Fair Credit Reporting Act, if they cannot verify the debt within 30 days, then it must be removed. Your letters to me claim to have "verified" the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before (____XXXX_______) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been "verified" then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included
NameXXXX XXXX XXXX Date: XXXX XXXX XXXX XXXX XXXX IL XXXX
D.O.B XXXX
SSN:XXXX
XXXX XXXX XXXX XXXX
XXXX XXXX
This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence.
Under the Fair Credit Reporting Act, if they cannot verify the debt within 30 days, then it must be removed. Your letters to me claim to have "verified" the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ________XXXX____ via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been "verified" then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Experian for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page. .
.
I look forward to your response.
Attachment included
Name: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX
D.O.B XXXX SSN:3XXXX
Transunion
XXXX XXXX XXXX
XXXXPa XXXX
This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they cannot be supported by any evidence.
Under the Fair Credit Reporting Act, if they cannot verify the debt within 30 days, then it must be removed. Your letters to me claim to have "verified" the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before _XXXX___________ via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been "verified" then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against Experian for violation of the Fair Credit Reporting Act and Defamation.
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM
Account Name_______XXXX XXXX XXXX_________
Date open________XXXX______________________
Account Number_XXXX______________________________
Reason for dispute___ identity___theft_______________
Account Amount_____XXXX____________________________
Account Name_____XXXX XXXX______________
Date open_______________XXXX________________________
Account Number______XXXX___________________________
Reason for dispute______Identity___theft______________
Account Amount______XXXX___________________________
Account Name________XXXX XXXX______________
Date open__________XXXX_________________________
Account Number_______XXXX____________________________
Reason for dispute_identity theft _________________XXXX XXXX XXXX____________________________________
Account Name______XXXX XXXX______________
Date open___________XXXX____________________________
Account Number______XXXX____________________________
Reason for dispute______identity _theft_______________________
Account Amount__________________________________
Account Name_____XXXX XXXX_____________
Date open___________XXXX____________________
Account Number________XXXX______________________
Reason for dispute_________identity theft_________________
Account Amount____________________________________
Account Name_____XXXX XXXX___________
Date open___________XXXX_____________________
Account Number_______XXXX_______________________
Reason for dispute____identity theft_________________
INQUIRIES THAT I DIDNT AUTHORIZE AND HAD NO KNOWLEDGE OF
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX -
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT 0XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX
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| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear TRANSUNION, XXXX, and XXXX The Accounts Below Violates My Rights and the FCRA!!! DELETE IMMEDIATELY, OR I WILL TAKE LEGAL ACTION AND FINE YOU {$1000.00} FOR EACH VIOLATION IN COURT!!!
TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF ASAP.
XXXXTRANSUNION IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT. YOU HAVE REPORTED XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AS A PREVIOUS ADDRESS OF MINE, My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Its on my ID and all my identifying documentation. I have never lived at those previous addresses, so, XXXX, XXXX & TRANSUNION can you please remove those other ( XXXX ) addresses from my credit report, or else my lawyer and I will sue you for up to {$1000.00} per FCRA Violation? Also, XXXX, XXXX, AND TRANSUNION, I DEMAND YOU TO REMOVE ANY ACCOUNTS WITH THOSE PREVIOUS ADDRESSES ATTACHED TO THEM. THOSE WERE NEVER MY ADDRESS, AND YOU NEED TO REMOVE THAT XXXX NOW!!! BEFORE THIS XXXX GETS UGLY XXXX, TRANSUNION, AND XXXX I DEMAND ALL THREE CREDIT BEAURAS ADD THE CORRECT XXXX SPELLING OF MY XXXX NAME TO MY CREDIT REPORT!!! XXXX XXXX XXXX XXXX XXXX!!! MY XXXX NAME IS XXXX XXXX!!! THATS HOW I SPELL MY NAME SO TAKE THE REST OF THAT XXXX OFF MY REPORT!!! ALL THREE CREDIT BEAURAS ( XXXX, TRANSUNION, AND XXXX ) ALSO NEED TO ADD THE CORRECT XXXX BIRTHDATE TO MY CREDIT REPORT. MY BIRTHDAY IS XX/XX/1998, THATS IT, AND THATS ALL, SO I DEMAND ALL THREE CORPORATIONS TO UPDATE MY NAME AND BIRTHDATE NOW!!!
XXXX/TRANSUNIONXXXX IT IS A FCRA VIOLATION TO REPORT ANY INACCURATE INFORMATION TO MY CREDIT REPORT, AND YOUR CORPORATION DOES NOT REPORT ANYTHING TO MY CREDIT REPORT. NOT MY ACCURATE NAME, WHICH IS XXXX XXXX, NOT MY ACCURATE BIRTHDAY, WHICH IS XX/XX/1998, AND YOU ALSO DO NOT REPORT MY ACCURATE ADDRESS TO MY CREDIT REPORT, WHICH IS XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX. So, I DEMAND YOUR CORPORATION TO UPDATE MY REPORT IMMEDIATELY TO AVOID A FCRA FINE OF {$1000.00} EACH VIOLATION.
XXXX TRANSUNION NEEDS TO REPORT MY PAID OFF LOAN ALSO NEEDS TO REPORT MY XXXX XXXX LOAN TO MY REPORT. I NEVER SAW THIS ON MY REPORT AS OF YET IT'S BEEN PAID OFF FOR 3 YEARS. THAT ACCOUNT AND MY STUDENT LOAN SHOULD BE MY ONLY REPORTED ACCOUNT, AND I HAVE NEVER MISSED A PAYMENT. Account Name : XXXX XXXX Account XXXX XXXX I do not live in XXXX. I DEMAND YOU TO UPDATE MY ADDRESS XXXX XXXXXXXX XXXX XXXX XXXX XXXX!! I LIVE IN XXXXXXXX XXXX NOT IN XXXX, OR XXXX XXXX THESE ARE FCRA VIOLATIONS, AND I DEMAND ALL CREDIT BEAURAS TO UPDATE MY INFORMATION IMMEDIATELY TO, OR ELSE I WILL FINE YOU {$1000.00} PER FCRA VIOLATION!!!
The Accounts Below Are 1000 % FCRA Violations and NEEDS TO BE FULLY REMOVED FROM MY TRANSUNION AND XXXX CREDIT REPORT, OR there WILL BE SOME XXXX LEGAL ACTION BEING TAKEN!!!! THESE ACCOUNTS ARE INACCURATE, AND ACCORDING TO THE FCRA, THAT IS XXXX XXXX!!!! SO, REMOVE THE ACCOUNTS LISTED BELOW NOW!!!!!
Account Name : XXXX XXXX Account Number XXXX - TRANSUNION/XXXX XXXX ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.ALSO THE DATE LAST ACTIVE ARE COMPLETELY DIFFERENT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX ) Account Number : XXXX - XXXX THE ABOVE ACCOUNT BY XXXX XXXX XXXX ( Original Creditor : XXXX ) WAS 100 % FRAUDulent, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX **** - XXXXTRANSUNION THE ACCOUNT LISTED ABOVE BY XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY XXXXtransunion REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE THE OPENED DATE. AND ALSO, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY XXXX.TRANSUNION CREDIT REPORT.
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX.TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX Account Number : XXXX - XXXX/TRANSUNION I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX Account Number : XXXX - XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXXCREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO, THE DATE LAST REPORTED, AND LAST ACTIVE ARE SO XXXX WRONG THE INFORMATION YOU guys ' GIVE IS TERRIBLE!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX XXXX Account Number : XXXX - XXXX/TRANSUNION I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/TRANUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!! ALSO THE DATE LAST ACTIVE ARE WRONG WRONG WRONG!!! XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX Account Number : XXXX **** - TRANSUNION I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX/TRANUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX Account Number : XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish an Account Without My Written Instructions!!! AND UNDER THE FCRA, IT IS ALSO ILLEGAL TO PUT A CHARGED-OFF ACCOUNT ON A CONSUMERS CREDIT REPORT!!!! BETTER READ UP!!!!
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) IS 100 % FRAUD. I DID NOT OPEN THAT ACCOUNT AT ALL, AND IT NEEDS TO BE REMOVED FROM MY TRANSUNION CREDIT REPORT IMMEDIATELY. I WILL REACH OUT TO LOCAL AUTHORITIES AND XXXX XXXX XXXX AND XXXX XXXX IF THIS ACCOUNT IS NOT FULLY REMOVED FROM MY XXXX CREDIT REPORT!!!
Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX - XXXX/TRANSUNION THE ACCOUNT LISTED ABOVE BY XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) IS 100 % A FCRA VIOLATION, AND THE FURNISHER TRIED TO CORRECT IT, BUT THEY DID NOT REMOVE IT FROM MY XXXX/Transunion REPORT. EVERYTHING ABOUT THIS ACCOUNT IS WRONG. THE DATE LAST ACTIVE IS NOT KORRECT AT ALL, THE FRAUD THAT THE FURNISHER IS NOW PULLING BY TRYING TO KEEP THIS ACCOUNT ON MY XXXXTRANSUNION CREDIT REPORT.
I DEMAND YOUR CORPORATION REMOVE THIS FROM MY XXXX.TRANSUNION CREDIT REPORT ASAP. THIS IS A FCRA VIOLATION OF CODES 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!! ! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!!
Account Name : XXXXXXXX XXXX XXXXXXXX Account Number XXXX **** - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX XXXX Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX XXXX Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX XXXX Account Number XXXX - TRANSUNION/XXXXXXXX THE ABOVE ACCOUNT BY XXXX CARD WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX XXXX Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX XXXX Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
Account Name : XXXX XXXX Account Number XXXX - TRANSUNION THE ABOVE ACCOUNT BY XXXX XXXX WAS 100 % FRAUDENITLY REPORTED, AND IVE REACHED OUT TO THE COMPANY MULTIPLE TIMES TO TRY AND TO GET THE ACCOUNT TAKEN OFF OF MY CREDIT REPORT.
THE ABOVE ACCOUNT IS AN FCRA VIOLATION AND NEEDS TO BE FULLY REMOVED FROM MY CREDIT REPORT IMMEDIATELY.
THE ABOVE ACCOUNT HAS VIOLATED THE FCRA 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! AND I DID NOT OPEN THIS ACCOUNT. REMOVE IT!!!
WHEN DONE WITH YOUR INVESTIGATION, I WILL NEED A FULL UPDATE SENT BACK TO ME FROM XXXX TRANSUNION AND XXXX!!!
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| 03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : ( Original Creditor : XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. DEPTEDXXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/XXXX I wrote a dispute to all consumer reporting agencies, XXXX, XXXX and TransUnion about all the unauthorized hard inquiries that they are reporting. My letters have been ingnored by XXXX and TransUnion and XXXX claims that they are valid inquiries with no proof of validation or a method of verification which clearly shows that they did not conduct a proper investigation or an investigation at all most likely. Under the FCRA it clearly states that under permissible purpose what constitutes a valid hard inquiry. 1. A firm offer of credit 2. Insurance 3. A court order 4. Employment I don't know how these all got on my report because I didn't give permission or sign off any kind of authorization to run my credit nearly 50 times. I want them deleted immediately along with the personal information that is also inaccurate or outdated.
1. The following personal information is outdated/invalid and needs to be deleted.
EMPLOYER : XXXX XXXX XXXX 2. The following personal information is outdated/invalid and needs to be deleted.
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX 3. The following personal information is outdated/invalid and needs to be deleted.
XXXX XXXXXXXX XXXX XXXX, TX XXXX 4. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 5. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 6. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 7. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 8. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 9. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 10. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 11. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 12. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 13. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 14. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 15. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 16. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 17. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 18. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 19. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 20. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 21. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 22. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 23. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 24. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 25. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 26. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 27. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 28. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 29. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 30. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 31. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 32. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 33. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 34. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 35. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 36. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 37. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 38. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 39. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 40. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 41. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 42. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 43. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 44. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 45. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 46. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX XXXX Date of inquiry : XX/XX/XXXX Delete these immediately 47. The FCRA states that the only permissable purpose for pulling someone's credit report is a ) Firm offer of credit b ) Insurance c ) Court order d ) employment. None of these inquiries fall under ANY of those reasons.
XXXX Date of inquiry : XX/XX/XXXX Delete these immediately
|
| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX Original Creditor : XXXX CONTRACTING SERVICES ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX Original Creditor : XXXX CONTRACTING SERVICES ) ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
|
| 07/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g (Sec. 809) that your claim is disputed and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.6. Please provide a complete account history, including any charges added for collection activity. You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
This letter is being sent to you in response to a listing on my credit report. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g (Sec. 809) that your claim is disputed and validation is requested. I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I ask you to provide the following information: 1. Please evidence your authorization under 15 USC 1692(e) and 15 USC 1692(f) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.6. Please provide a complete account history, including any charges added for collection activity. You have thirty (30) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you placed this on my credit report(s) in error and that this matter is permanently closed. Provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
XXXX TRANSUNION XXXX XX/XX/XXXX
XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX
XXXX/XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX/XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX XX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XXXX/XXXX XXXX XXXX-XXXXXX/XX/XXXX
XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX XXXX/XXXX XXXX XXXXXX/XX/XXXX
XXXXXX/XX/XXXX XX/XX/XXXX
XXXX XXXX XXXXXX/XX/XXXX
XXXXXX/XX/XXXX XX/XX/XXXX
XXXX XXXXXX/XX/XXXX
XX/XX/XXXX
XXXXXX/XX/XXXX
XXXX XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
30 days past due
None Reported
30 days delinquent
Balance
$XXXX
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
Covington Credit CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Account renewed or refinanced
Worst Delinquency
90 days past due
90 days delinquent
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX Fka XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Account paid satisfactorily
Worst Delinquency
No update received
Balance
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
03/2021
Payment Status
Pays account as agreed
Worst Delinquency
None Reported
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Paid or paying as agreed
Account paid satisfactorily
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX/XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Account paid satisfactorily
Worst Delinquency
No update received
Balance
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Paid or paying as agreed
Account paid satisfactorily
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
XXXX TRANSUNION XXXX
Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
None Reported
None Reported
30 days delinquent
Balance
$XXXX $XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX/XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Account renewed or refinanced
Worst Delinquency
No update received
Balance
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Account paid satisfactorily
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Not more than three payments past due
Paid account/was delinquent 60 days past due date
Worst Delinquency
60 days past due
60 days delinquent
Balance
$XXXX
Credit Limit
$XXXX
$XXXX 2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Paid account/XXXX balance
Worst Delinquency
No update received
Balance
Credit Limit
$XXXX 2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Paid or paying as agreed
This is an account in good standing
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
$XXXX
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX/XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Unpaid balance reported as a loss by credit grantor
Worst Delinquency
Charge Off/Other Derog
Balance
Credit Limit
$XXXX 2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX CLOSED
XXXX TRANSUNION XXXX
Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Paid or paying as agreed
Paid account/XXXX balance
Worst Delinquency
None Reported
No update received
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Pays account as agreed
Worst Delinquency
None Reported
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Account paid satisfactorily
Worst Delinquency
No update received
Balance
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
Bankplus CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Pays account as agreed
Worst Delinquency
None Reported
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
MORE DETAILS
XXXX XXXX XXXX XXXX/
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Not more than two payments past due
30 days past due
Account 30 days past due date
Worst Delinquency
None Reported
None Reported
30 days delinquent
Balance
$XXXX $XXXX $XXXX Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
30 days past due
None Reported
30 days delinquent
Balance
$XXXX $XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Account renewed or refinanced
Worst Delinquency
90 days past due
90 days delinquent
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX/XXXX
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
30 days past due
Account was delinquent 60 days past due date/now 30 days past due date
Worst Delinquency
60 days past due
60 days past due
60 days delinquent
Balance
$XXXX $XXXX
$XXXX Credit Limit
$XXXX $XXXX $XXXX Credit Utilization
106%
109%
109%
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Paid or paying as agreed
Worst Delinquency
None Reported
Balance
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX
XXXX TRANSUNION XXXX
Last Updated
XX/XX/XXXX
Payment Status
Unpaid balance reported as a loss by credit grantor
Worst Delinquency
Charge Off/Other Derog
Balance
$XXXX Credit Limit
$XXXX Credit Utilization
105%
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Unpaid balance reported as a loss by credit grantor
Worst Delinquency
Charge Off/Other Derog
Balance
$XXXX Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX TRANSUNION XXXX
Last Updated
XX/XX/XXXX
Payment Status
Current account/was delinquent 90 days past due date
Worst Delinquency
90 days delinquent
Balance
$XXXX Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX - XXXX XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was delinquent 90 days past due date
Worst Delinquency
90 days past due
90 days past due
90 days delinquent
Balance
$XXXX $XXXX $XXXX Credit Limit
$XXXX $XXXX $XXXX 2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Current account/was 30 days past due date
Worst Delinquency
30 days past due
None Reported
30 days delinquent
Balance
$XXXX $XXXX $XXXX Credit Limit
$XXXX $XXXX $XXXX Credit Utilization
83%
83%
83%
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Pays account as agreed
Paid or paying as agreed
Paid account/was 30 days past due date
Worst Delinquency
None Reported
None Reported
30 days delinquent
Balance
$XXXX
$XXXX
Credit Limit
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
XX/XX/XXXX
Payment Status
Not more than three payments past due
Paid account/was delinquent 60 days past due date
Worst Delinquency
60 days past due
60 days delinquent
Balance
$XXXX
Credit Limit
$XXXX
$200
2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
XXXX XXXX/XXXX CLOSED
XXXX TRANSUNION XXXX Last Updated
XX/XX/XXXX
Payment Status
Unpaid balance reported as a loss by credit grantor
Worst Delinquency
Charge Off/Other Derog
Balance
Credit Limit
$XXXX 2-YEAR PAYMENT HISTORY
OLDER DEROGATORY EVENTS
MORE DETAILS
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| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/XXXX Re : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by the companies listed below : 1. XXXX XXXX XXXX XXXX 2. XXXX Account Number Unknown My Fair Credit Reporting Act Consumer Rights have been violated. The accounts listed above have violated my FEDERAL given CONSUMER RIGHTS to PRIVACY amongst other things.
Both negative items are listed in the file you ( TransUnion ) maintain under my social security number.
Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and reportability of these two listings.
XXXX XXXX XXXX has violated FEDERAL LAW - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
TransUnion has aided this company in this violation of this Federal Law - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Simply put, this consumer law states the following.
A Financial Institution MAY NOT, directly, or indirectly, disclose to a NON-AFFILIATED THIRD PARTY any NONPUBLIC PERSONAL INFORMATION unless such Financial Institution gives the following disclosures.
1 ) First disclosure is the Financial Institution letting a consumer know they will disclose information to the non-affiliated third party.
2 ) Second disclosure is the Financial Institution gives the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party 3 ) Third disclosure is the Financial Institution giving the consumer an explanation so that the consumer can exercise the NONDISCLOSURE OPTION!
I, XXXX XXXX as the consumer was not provided with any disclosures at all from this third party and I have never been in contract or any type of business with this third party, yet Transunion has allowed this third party access to my nonpublic personal information.
I know that I have a right to privacy when it comes to my NON-PUBLIC PERSONAL INFORMATION.
I also have the right to NOT DISCLOSE any of my NON-PUBLIC personal information.
This means that if the Original Lender and/or Debt Collector furnishes my NONPUBLIC PERSONAL INFORMATION to a nonaffiliated third party without my written consent, they are in clear violation of the Financial Privacy Act.
XXXX XXXX XXXX and XXXX DO NOT have any written consent listed on their files for me saying that anyone can disclose my nonpublic information.
XXXX XXXX XXXX nor XXXX can provide you with my LAWFUL WET SIGNATURE proving that they have my written consent to disclose my nonpublic information, yet Transunion has allowed these two FRAUDULENT companies access to my consumer report WITHOUT my written consent!!!!
This fact makes TransUnion also in violation of The FCRA is 15 U.S. Code 1681 and all its Chapters and Subchapters.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Breakdown for your understanding : The consumer reporting agencies MAY only report anything to my consumer report if I have given them WRITTEN INSTRUCTIONS.
I am the consumer to whom this FEDERAL LAW relates!
TransUnion has aided this company in this violation of this Federal Law listed below also : XXXX5 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; BREAKDOWN for your understanding : This law clearly states that I am entitled to ACTUAL DAMAGES as a result of the failure or {$1000.00}, whichever is greater, if someones obtains my consumer report without PERMISSABLE PURPOSE!
XXXX XXXX XXXX is a third party that I have never done business with. They can not provide you with any evidence of Permissible Purpose to be on my consumer report or have access to my consumer report.
TransUnion has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Breakdown for your understanding : 1 ) The banks depend on accurate reporting. Inaccurate reporting affecting the banking systems efficiency. Unfair credit reporting affects your confidence in the banking system.
2 ) My credit worthiness, credit standing, credit capacity, character and reputation are dependent on TransUnion reporting system.
3 ) The consumer reporting agencies have a major responsibility in reporting accounts to my consumer reports 4 ) I have the right to privacy! And TransUnion have the responsibility to respect my privacy with Fairness and Impartiality.
I know thats a lot of information, but I hope that this breakdown helps you understand my consumer rights and how this all ties together.
TransUnion has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Breakdown for your understanding : 1. The term consumer report is what most people call a credit report.
2. The person making the report is the company who reported the charge off or collection to my consumer report.
3. I AM the consumer.
4. Transactions are all forms of transactional history! That means on time payments, late payments missed payments, partial payments, delinquent payments, wages, salary, etc are all forms of TRANSACTIONS!
5. Utilization is an EXPERIENCE created by credit card usage. If I dont use a credit card ( s ), I wont create an experience.
However, when I use my credit card ( s ), I, the consumer is creating shopping experiences, reward and/or point experiences etc. Utilization is an Experience due to it being created when I use my credit card ( s ).
6. TRANSACTIONS & EXPERIENCES reporting in my consumer report is ILLEGAL due to it being a violation of this law, which was given to us by Congress.
Keep this in mind, any violation of my consumer rights is a violation of Federal laws, and any violation of Federal laws is ILLEGAL!
TransUnion has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Breakdown for your understanding : The consumer reporting agencies must follow certain procedures when reporting anything to my consumer report that will produce Maximum Possible Accuracy!
How are these accounts on my consumer report reporting to maximum accuracy if I did not give them Permissible Purpose?
I want you to understand this.
Permissible Purpose equals Written Instructions. Permissible Purpose grants consent. Without Permissible Purpose, its Identity Theft!
Its identity theft because TransUnion has allowed someone to report a collection to my consumer report, using my social security number, on my behalf, without my WRITTEN INSTRUCTIONS to do so.
TransUnion has aided this company in this violation of this Federal Law listed below also : 18 USC 1028A- AGGRAVATED IDENTITY THEFT 18 USC 1028A- Aggravated Identity Theft a ) OFFENSES. ( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
Breakdown for your understanding : Whoever knowingly transfers, possesses, or uses my information unlawfully can be sentenced to 2 years of imprisonment as well as punishment for this felony act.
TransUnion has aided this company in this violation of this Federal Law listed below by not blocking access to my personal information being that I have 2 Police Reports on file with your agency for year dated 2008 and 2014.
TransUnion was not provided my written consent per FEDERAL LAW for permission for this third party company to access my nonpublic information.
15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Anything resulting from Identity Theft must be deleted from my consumer report no later than 4 business days after the date TransUnion receives this notice.
I hereby put you on notice. I DID NOT GIVE YOU WRITTEN INSTRUCTIONS to report THIS ACCOUNT TO MY CONSUMER REPORT!
I do not have faith in the vital role you have in assembling my consumer report due to your willful noncompliance and negligence. You have not exercised your grave responsibility in fairness, impartiality and respecting my PRIVACY!
In Conclusion, you have been put on notice about violating my Congress given FCRA rights by allowing these accounts to report to my consumer report. Delete the accounts referenced from my consumer report IMMEDIATELY. Also, send a copy of my consumer report with the updated information. Thanks in advance.
Please DELETE and BLOCK the following from my consumer report for they are violations of Federal Law : XXXX XXXX XXXX Third Party Collection Account I do not have a contract with this third party. There is no Permissible Permission for this company to be on my report nor have access to my report.
XXXX Identity Theft There is no Permissible Permission for this company to be on my report nor have access to my report.
XXXX XXXX Identity Theft I do not have a contract with this company.
Dept of EducationXXXX This account has no records or contracts on me so should be deleted and blocked.
XXXX XXXX No transaction history should be reporting on my consumer report for this company. This violation needs to be deleted.
Delete all accounts listed above from my consumer report, your agency is in clear violation of 15 USC 1681 and all of its subsections. Failure to respond satisfactorily with the deletion of the above referenced accounts, and send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 4. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Aggravated Identity Theft per 18USC 1028 6. Mental Anguish I hope you understand the severity of the situation.
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| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These hard AND soft inquires need to be removed from my TransUnion credit report. These are not mine. They are fraudulent/unauthorized inquiries. I am a victim of identity theft and fraud. The inquires both soft AND hard that need to be removed from my TransUnion credit report are listed below.
Regular Inquiries
More Info +
Name
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name TRANSUNION CONSUMER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX transunion.comXXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX XXXX ( XXXX XXXX ) BANK ACCOUNT NUMBER:XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBERXXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE This will be my THIRD attempt to settle this matter. Final opportunity to cure before default judgment.
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' My personal information has been abused and is being reported to multiple agencies without my oral or written consent.
( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal. Utilization tracking and marking payments as received late are unlawful according to federal regulations.
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
P.L 90-321 ( 82 Stat. 146 ) which is the law that backs the code and is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) I have not provided either of these companies with written instructions nor permission to furnish any items on my consumer report.
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports this is another violation There are multiple accounts on my consumer report that violate this federal regulation. They are listed as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
This will be my THIRD time disputing this unlawful information being furnished on my consumer report. I have previously made these concerns aware to the furnishers of the information as well as to the creditors but to no avail. I included the proper identification documents and a copy of the FTC Identity theft report filed on XX/XX/XXXXXXXX reference number XXXX. This is the FINAL opportunity to cure before default judgment is rendered and a federal claim is initiated for all parties involved due to violations of federal regulations and securities fraud.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the user certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
I have also included a copy of my consumer report from XXXX with all of the INACCURACIES marked in red ink.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Every company in their agreements with consumers said they would follow the law and agreed to do so. They are aware that they are breaking federal law.
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general ( 1 ) any actual damages sustained by the consumer as a result of the failure 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. This has never happened in my case.
Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and These agencies have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974.
Opt Out Laws PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
12 CFR 1016.4 Initial privacy notice to consumers required.
12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
I have previously provided each creditor with written, notarized statements demanding my right to opt-out of their authorization to divulge my non-public personal information to any outside party. The copies are attached as well. A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 6805 - Enforcement Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
I am requesting a thorough investigation into these agencies and their discriminatory practices of furnishing non-public personal information causing harm and duress to millions of Americans.
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| 11/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My name isXXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last 4 of my SSN # XXXX My Only XX/XX/XXXX I have asked for proof of ( XXXX ) proof of original sign Consumer contract, proof of identity, proof of signature on any of the alleged debt three times nowIve sent paper work and complaints from the US Justice Department ( XXXX ) CFPB COMPLAINTS ) - ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH - CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO XXXX-TRANUNION-XXXX-XXXX XXXX XXXX XXXX XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) -clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports . Yet XXXX-TRANUNION- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to ( 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of ( XXXX compliance ). Provide me with the ( XXXX ) -disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, ( collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed inCollection/Charge-Off Status ) -WITHOUT mailing me a copy of ( IRS form 1099-C Cancellation of Debt. ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus XXXX-TRANUNION-XXXX- XXXXXXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved I [ XXXX XXXX XXXX XXXX issue this urgent and non- negotiable Affidavit of Truth . I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that XXXX TRANUNION-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX ) are in blatant violation of the following U.S. codes and legislation for the reasons specified : ( 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. ( 15 U.S. Code 1681s-2 : ) : Failure to correct and update inaccurate information in my consumer reports. : -immediate and complete removal of my personal information from your website, company records, and any affiliated entities.
Failure to comply will result in further legal action.
Legal Violations and Reasons : Cease and Desist I allege that TransUnion, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.
15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.
15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.
15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.
H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.
Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.
Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.
Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.
Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.
Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization.
2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data.
3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing.
4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations.
5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.
Non-Consent and Settlement : Final Warning and Unambiguous Clarification15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX XXXX. My Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.
My only Phone number is ( XXXX ) XXXX Delete any and all other phone numbers.
1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Delete all information in the employer section.
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections AS OF XX/XX/XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : Unauthorized inquiry to my consumer report ; demand for Deletion and {$1000.00} Settlement.
To : Whom it may concern You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my " TransUnion '' consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose.
" A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b (
f ). Chester v. Purvis, 260 F. Sup 2d711 ( S.D. Ind. 2003 ).
15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. On the date of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX came before me today as a flesh and blood living being ( non-entity/non debtor ) under oath to the highest of creation only and provided the facts listed herein.
( Fraudulent ) Account name Account number Date Open Dollar Amount XXXX XXXX XX/XX/XXXX {$900.00} Smile direct XXXX XX/XX/XXXX {$900.00} INQUIRIES DATES XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( FRAUDULENT ADDRESS ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX typeSingle family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident typeSingle family XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX, XXXX XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Resident typeMultifamily XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident typeSingle family XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident typeApartment complex XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Resident typeSingle family15 U.S. Code 1681c2 - Block of information resulting from identity theft * U.S. Code * Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft,
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| 04/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION ACCOUNT : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 04/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The accounts listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
In addition, it has also been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Accounts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : ACCOUNT NUMBER : US DEPT ED ACCOUNT NUMBER : XXXX US DEPT ED ACCOUNT NUMBER : XXXX US DEPT ED ACCOUNT NUMBER : XXXX USDOE XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 03/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
It has been discovered that these STUDENT LOAN ACCOUNTS were also being listed within my credit file. The fact is that these Student Loan Acco
unts are not mine. I did not open these accounts and did not even seek a high education or attend college. So these accounts do not belong to me.
STUDENT LOAN CREDITORS : XXXX XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION FACTUAL DATA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 90 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
29. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
30. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
31. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
32. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
33. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
34. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
35. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
36. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
37. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
38. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
39. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
40. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
41. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
42. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
43. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX This is not my name. Delete it immediately from my report.
44. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX- This is not my name. Delete it immediately from my report.
45. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
46. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer is not correct. Delete it immediately from my report.
47. The following personal information is incorrect Account Number : XXXX XXXXXXXX XXXX XXXX This employer is not correct. Delete it immediately from my report.
48. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
49. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
50XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 04/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX reached out to XXXXTRANSUNION/XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/TRANSUNION/XXXX then XXXX you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/Transunion/XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ( ACCOUNT NAME ) XXXX XXXXXXXX XXXX INQUIRIES NAME XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX NA XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX DATE OPEN XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXIve sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity theftam aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733 . ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNION/into the XXXX FTC XXXX Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( XXXX ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXXrnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX XXXXTRANSUNION -XXXX ) CONTINUE TO REPORT FRAUDULENT ACCOUNTS ACCOUNT NAME ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXTHIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. XXXX demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.
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| 10/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Dear Consumer Financial Protection Bureau ( CFPB ) I would like to give you some insight on why I am writing you today for your assistance. My complaint is against TransUnion for taking what I feel to be a neglectful stand on my dispute against a fraudulent account placed on my credit report by XXXX XXXX XXXX ( XXXX ). I will give the history of this fraudulent debt, along with some of the actions taken thus far. I am currently pursuing legal action against XX/XX/XXXX but I will provide to you documents that I feel maybe helpful.
In XX/XX/XXXX, a resort by the name of XXXX XXXX XXXX XXXX ( XXXX ) forged credit card loan documents in my name which they submitted to their business partner XXXX XXXX XXXX. I initially disputed the charges with XXXX XXXX XXXX in XX/XX/XXXX due to Lifestyles misrepresenting what they were in fact offering me in a club membership. XXXX used forged instruments, and were also deceitful in regards to payments for my membership. In a fax that I sent to XX/XX/XXXX in XX/XX/XXXX were witness statements, and even a recorded transcribed dialogue of the manager who I dealt with at XXXX XXXX XXXX XXXX ( XXXX ). I have only interacted with two individuals from XXXX concerning a club membership. The first interaction was with the sales representative who mislead me with counterfeit paperwork ( Noted by multiple ( 2 ) witness statements sent to XX/XX/XXXX ). The second interaction was with her manager who she introduced me to, who would become my orientation/member guide in the future.
The witness statement I submitted to XXXX helps to display acts of False Imprisonment ( XXXX would not allow us to leave their place of business, XXXX transported us to and from their place of business ), predatory lending tactics, and the use of a counterfeit instruments with the intent to deceive. The witness statement also explains that we were under the impression that we were attending a social event/party ( I have saved messages where I tell XXXX that I wish they were honest, the day after this false event ). I also made it known to XXXX that XXXX intentionally mislead us into drinking alcohol knowing that they would attempt to have us enter into a membership with them later on. All of this was explained to XXXX XXXX XXXX but they never bothered to investigate any of this.
The transcribed dialogue that I faxed to XXXX demonstrates acts of conspiracy. The manager at XXXX claims that she does not who the Sales representative is who handled my membership agreement, nor does she know the names of the people who work there. This is the same manager who was brought out to meet me by the Sales representative. The manager claims that the sales representative, and her assistant ( Whom I know is in fact the Sales representative ) have similar voices ( pg. 2 of the transcribe dialogue sent to XX/XX/XXXX ).
The main concern of my dispute until XX/XX/XXXX was the deceptive practices of XXXX, which XXXX ignored and never investigated. XXXX claimed that I signed a membership agreement and knew what I was getting into. In XX/XX/XXXX, I was presented with the Membership Agreement that XXXX claimed I had signed. When I reviewed this membership, I noticed how my initials were forged. XXXX even added an additional sheet of paper to the membership ( Which looks out of place ), which dealt with membership cancellations ( They forged my initials on this too ).
The Membership Agreement ( Sales Contract as XXXX refers to it ) explains what your entitlement is as a XXXX member, and the breakdown of payments for the membership. The membership has no bearing on the credit card loan application that XXXX processed separately with XXXX XXXX XXXX in order to establish a line of credit in my name.
XXXX Processed two credit card loan applications with my name on it in order to receive a payment for their membership. One credit card loan application was with XX/XX/XXXX ( Interval ) XXXX XXXX, and the other one was with XXXX XXXX. I disputed both accounts as fraudulent.
XXXX mailed me a copy of their Credit Card Loan Acknowledgement and Consent forms in early XX/XX/XXXX. Until this point, I have never seen any Credit Card Acknowledgement and Consent forms from anyone. I have never filled out any credit card Acknowledgement and Consent forms, nor did I give anyone permission to fill out any for me. The criminal craftsmanship was of lesser quality on these forms. The forms have names and signatures of XXXX Representatives that I have never met before ( Who I believe do not exist ). Even as of today, I have never seen a Credit Card Acknowledgement and Consent form from XXXX XXXX XXXX. The XXXX Consumer Compliance department was made aware of the falsified documents on XX/XX/XXXX.
On XX/XX/XXXX I spoke with Ms. XXXX from the XXXX XXXX XXXX Compliance Department via telephone. I made her aware of the recent discovery of the forged Credit Card Loan Application Acknowledgement and Consent forms, and I reiterated how my signature was also forged on their version of the membership agreement. She explained her level of concern, and how she would report this to her supervisors. I received a reply back ( Dated XX/XX/XXXX ) in the mail from XXXX on XX/XX/XXXX. In this reply letter XXXX states " We received the additional concerns you reported to us by phone. We've reviewed them, and this is what we've found. We're enclosing our previous response to address your concerns. '' XXXX previous response was on XX/XX/XXXX, which never addressed any of the complaints/disputes that have been made on my behalf. In the XX/XX/XXXX letter from XXXX, XXXX refuses to investigate any of the disputes. In the XX/XX/XXXX letter, XXXX says they are addressing my concerns with their letter dated XX/XX/XXXX which deals with the " Membership Cancellation policy ''!? XXXX never investigated any of the accusations/ disputes they were notified about, but still reported this fraudulent account to TransUnion as valid.
How can XXXX send a reply back that does not address the allegations of a recently discovered dispute of blatant forgery? XX/XX/XXXX has never investigated any of the claims/disputes that have been made on my part or on behalf of the witnesses to these acts. Why have I never received any documents pertaining to the opening of a Credit Card Account with XXXX, from XXXX?! The membership ( Sales contract ) is with XXXX, not XXXX.
I immediately went to hire an attorney once I seen this reply along with the counterfeit credit card loan forms that XXXX provided. I retained counsel in the latter part of XX/XX/XXXX. The attorney representing me against XX/XX/XXXX and XXXX is XXXX XXXX of XXXX XXXX XXXX XXXX. He can be reached at XXXX or XXXX.
I later filed a dispute with the three major Credit Bureaus. I took the advice of the NY Department of Finance in reporting this matter to the Federal Trade Commission ( FTC ). I filed an FTC Identity theft report in which XXXX, and XXXX honored along with other documents. TransUnion denied my dispute multiple times. TransUnion is the only Credit Reporting agency that continues to report this fraudulent account on my record despite receiving an FTC identity theft report.
XXXX XXXX XXXX XXXX, who fraudulently opened up this line of credit in my name, has a horrible criminal history. They have been sued in the past by the XXXX XXXX law firm on behalf of XXXX XXXX for their criminal behavior in XXXX. There are numerous websites where individuals are reporting their negative encounters with this company ( XXXX XXXX, complaint board ). There is a petition online ( located at XXXX ) entitled Stop XXXX XXXX XXXX XXXX from Selling Corrupt and Fraudulent Memberships. There are even news articles ( The XXXX XXXX ) calling into question the corrupt practices of XXXX XXXX XXXX XXXX. There is no way that a company such as XXXX XXXX XXXX could be oblivious to the criminal acts of XXXX and not investigate any of the accusations on my behalf. The forging of documents, the use of counterfeit instruments, all of these unscrupulous acts are not solely my experience. These types of criminal acts have been common place against many American Citizens for quite some time now. It is a shame that companies such as XX/XX/XXXX get to benefit off the criminal exploitation of U.S. Citizens and others.
In order to get a better understanding of why TransUnion continues to deny my disputes, I contacted TransUnion via telephone on two occasions. The first time I called was on XXXX XXXX XXXX. The TransUnion dispute representative explained to me that my dispute was denied due to my FTC report not containing an account number for XXXX XXXX XXXX . I was advised to create a new one or to send in one with the account number listed on it. I was confused by this because the FTC report that I submitted did in fact have an account number listed on it. I resubmitted the same FTC report and TransUnion denied my dispute again.
I contacted the TransUnion Dispute department a 2nd time via telephone on XX/XX/XXXX at XXXX XXXX. This time I spoke with a supervisor in the dispute department. The Supervisor explained to me how they ( TransUnion ) report what is given to them by the Creditors. I explained my situation and told the supervisor about the FTC report, and even mentioned how TransUnion is the only Credit Bureau that does not honor it. I told the Supervisor that the credit account was opened fraudulently and that is why I am disputing it. The supervisor explained how I could add a security freeze to my account, but they ( TransUnion ) have the obligation of reporting the information given to them by Creditors. I gave up with TransUnion at this point.
The Final Letter which I mailed to XXXX in regards to this fraudulent debt, was received by them on XX/XX/XXXX ( Provided ). XXXX sent a reply back dated XX/XX/XXXX which was 35 calendar days after they received my letter ( I had asked if they would reply back within 30 days ). In this letter I asked for a verified statement from an individual with original knowledge of this debt, that can verify that this debt was incurred legally. I would also request competent evidence that I had some obligation to this tradeline.
The reason for me asking of these statements/evidence from XXXX, is due to me strongly believing that the names of the persons who fraudulently opened up these lines of credit dont exist. Meaning, the names of the people on these fraudulent credit card applications are of people who do not exist.
XXXX XXXX XXXX refused to provide the information which I asked of them in their response ( Note The letter sent, and the reply given ). XXXX could not confirm that the fraudulent debt was incurred Legally. They claim that the debt is mine because it was opened with my email and phone number, and an address that was on my credit report. XXXX has been made aware on multiple occasions ( Via phone and faxed dispute ) that a XXXX XXXX Representative led me to think that I ( we ) was attending a social ( Concert/Party ) event, where we were asked to provide phone numbers and emails so that I could be contacted ( I have saved text messages ) by them and driven to their Resort. How would they be able to pick us up from our hotel, or send information for future events if I did not give them my contact information? I still have messages from the drivers that were sent on behalf of XXXX to pick us up. XXXX intentionally turns a blind eye to the criminal practices of their business partner XXXX.
I feel that the FTC Report that TransUnion rejects serves in place of a Police Report. I reported this matter to the Federal Trade Commission, which is a Federal Law Enforcement Agency. Similar to when you file a police report, youre legally obligated to tell the truth to the best of your knowledge, and subject to criminal penalties if you dont. This fact should make my Identity Theft Report evidence that I am telling the truth. For TransUnion to tell me that they will report whatever the creditor tells them, should be illegal. The creditor can not even tell TransUnion that this credit account was opened Legally. With so many red flags surrounding this fraudulent account, I believe that TransUnion should be held responsible for their dismissive/ negligent stance on this case. If there was even a small chance that an account might be corrupt/ fraudulent, why would you report it causing damage to an individual? I have never made a payment on this Fraudulent account but TransUnion reported that I made a payment in XX/XX/XXXX? I thought this was odd due to me never paying anything on this account from the time it opened in XX/XX/XXXX. I find this strange but wonder if it was some scheme to help them benefit somehow.
I am submitting some documents that may be useful. The FTC Report that TransUnion continues to reject is attached. I will include the letter that I sent to XXXX, and their reply. I have documents that I am prepared to display in court ( Such as the forged membership agreements and the real one, and phone dialogue ). If there is anything that the CFPB might find necessary to review, I will accommodate. I just dont feel it necessary to share certain documents that will be presented in court with TransUnion XXXX for TransUnion to share with XXXX. I believe XXXX would then contact XXXX to help them improve their schemes instead of condemning their actions. Thank you for your time.
V/r XXXX XXXX XXXX XXXX XXXX
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
15 U.S. Code 1681i XXXX Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
1. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
20. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
21. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
23. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX F Date of inquiry : XX/XX/XXXX Delete this account.
24. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
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| 07/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/XXXX I was blessed with being able to purchase one of the very last XXXX XXXX XXXX XXXX available in the state of Florida. During the term of the loan I had multiple late payments reported to all XXXX credit bureaus that have been falsely filed. After the first notice of a 30 day late in my credit monitoring service I sent in a message in the dashboard and was sent an auto-reply saying they would respond within one business day. I never got a response however I set up a chat online and the representative saw my reasoning for the dispute and told me to send a letter to their dispute center in XXXX , Ne. I never received a response so I disputed it with all XXXX bureaus and got back a verified response. Obviously it was incorrect and hurt my credit scores but after showing the bureaus of my payment on time they still would not update the history and didnt know what to do. The same thing would happen multiple times through my loan term with XXXX XXXX and it was a simple error on their side that their chat and phone representatives acknowledged each time I contacted them. Below is the list of lates they have reported incorrectly. This information has been sent to XXXX XXXX 6 different times and 4 times in the last 4 months.
XX/XX/XXXX - First late 30 day late reported.
XXXX due date- XX/XX/XXXX .
Payment scheduled online XX/XX/XXXX for delivery on XX/XX/XXXX . Posted on XX/XX/XXXX . XXXX payment only 11 days late, however their grace period was 10 days and I scheduled prior to the 10 day period and contacted through chat to make a notice to not get charged late fees. Late fees were NOT added, but a 30 day late was but was only 11 days off from delivery of payment for that month.
XX/XX/XXXX 30 Day late reported Due date XX/XX/XXXX Scheduled payment on XX/XX/XXXX for delivery XX/XX/XXXX . Payment posted on XX/XX/XXXX 7 days late, not 30.
XX/XX/XXXX - Payment extension filed for XXXX payment on XX/XX/XXXX . XXXX payment became due on XX/XX/XXXX . I got a late notice for XXXX on XX/XX/XXXX . I set up the payment on XX/XX/XXXX for delivery on XX/XX/XXXX and it posted on XX/XX/XXXX . I made a payment for {$840.00}. I may have been 29 days late from the time it posted on my account, and only 27 days from the delivery of the payment but I was NOT 30 days late.
XX/XX/XXXX - 30 Day late reporting Due date was on XX/XX/XXXX . I setup the payment on XX/XX/XXXX for delivery on XX/XX/XXXX with a notice it posted on XX/XX/XXXX . XXXX was late by 14 days from the time it posted not 30.
XX/XX/XXXX - 30 Day late reporting Due date was on XX/XX/XXXX . I setup the payment on XX/XX/XXXX scheduled for XX/XX/XXXX and was posted on XX/XX/XXXX . Late by 5 days not 30.
XX/XX/XXXX - 30 Day late reporting Due date was on XX/XX/XXXX I setup the payment on XX/XX/XXXX for delivery on XX/XX/XXXX and was posted on XX/XX/XXXX . I was 16 days late not 30.
XX/XX/XXXX - 60 day late reporting Due date was on XX/XX/XXXX . Payment was made with cash on XX/XX/XXXX and was posted on XX/XX/XXXX . I was 29 days behind for XXXX but once again, not 30 and definitely not 60. Time frame never added up to me on how they were reporting this.
XX/XX/XXXX - 30 day late Due date was on XX/XX/XXXX . I made a cash payment on XX/XX/XXXX and it posted on XX/XX/XXXX Got a past due notice on XX/XX/XXXX but was told they are automatically generated not to worry via chat because it was a cash payment so it would not report as late even though it posted two days later. I was 0 days late, and not 30. I also made a payment for {$1000.00} that day which I can explain later.
XX/XX/XXXX - 30 day late reporting When I made the payment for {$1000.00} in XXXX it was to cover the XXXX and XXXX payments. My payments were just over {$400.00} so I actually had some credit built up. However, when I got my next statement the {$1000.00} was credited to the account but it showed I still owed a balance on XXXX which was not possible. I called XXXX because I was considering trading in the truck then for a newer car and better mileage. I talked with 4 different agents and all of them were incredibly rude as if I was trying to take advantage of them in someway. I explained that I had these reports and had my dates of payments, etc. and it turned out to be the payment extensions I had filed were pushing back that current months payment of the extension but when the next month came to statement the balance from the previous month was being added back to the account. When they setup the extensions for me they also added an extra month to my loan term and I was to only be charged for the interest and payment extension fee of {$15.00}. The agent figured out what was going on and it had been messing up my account for nearly a year. Apparently it was some kind of technical glitch and the agent told me that they would notate it on my report, open a dispute for me with their credit department, and have a letter sent to me. They also told me that a XXXX . payment was not due because of the error and I had credit built up on the account as it should have been. This error accounted for late payments to be reported for the months of XXXX . through XXXX . What a mess!!!
XX/XX/XXXX - 60 day late.
After the issue supposedly being resolved by the credit department I was actually notified there was an account change on my credit report and the account was XXXX on XX/XX/XXXX All of my payment history had actually been deleted and the status to show " paid as agreed '' and the date of delinquency as " n/a ''. I asked the bureaus if not having a history hurt my score and if I should have it updated to showing the payments and they said it would not matter because the months reported would still be current to the amount of the loan.
XX/XX/XXXX payment was due on XX/XX/XXXX . I setup the online payment on XX/XX/XXXX for delivery on XX/XX/XXXX and it posted on XX/XX/XXXX . Now, my balance at the time showed as {$1000.00} because the error had not been corrected. I talked with the chat support once again and he told me that he saw the dispute and it should be taken care of soon but I went ahead and made the payment for the full amount due so it would show as {$0.00} but just as the agent on the phone and the one on chat they both agreed I would have a credit for basically one month on the account. Awesome!
XX/XX/XXXX payment was due on XX/XX/XXXX . I knew I was getting a credit and didnt worry about it until I applied for a home loan and the loan officer told me I had a ton of lates on my XXXX account. I logged in to my credit reporting website and sure enough the payment history had been added back to the account inaccurately so I started a new dispute once again sending to the bureaus as well as the credit department from XXXX . I got back a verified letter from the bureaus and when I grilled them on who and how it was verified they said they didnt have to have it as a physical document which I know is not true. How can they just say its verified without any proof from the creditor and I never received anything back from XXXX . This actually caused me to lose money on securing a home and forced us to move into an apartment with a newly XXXX fiance. It was a disaster and again called XXXX for answers.
The agent I spoke with was very nice looking over the information they had but she could not make any changes so she put me on to someone else and they were absolutely disgusting. The tone, the responses, the lack of help was so unprofessional. She would say, sir I see that you have been behind on a regular basis and we do not provide courtesy reporting removals unless it is disputed and youre information is correct. I explained my information was correct, I had it sent to XXXX and the bureaus, and the phone and chat agents had updated my records for the disputes and saw where I was right. They had me paying a month in advance every month for a long time and never noticed it. The lady ended up hanging up on me.
I didnt know what I was going to do or what I could do but after speaking with a manager at Transunion with the power to manually update the criteria he gave me his information and fax to update the information. It took almost 50 days to get an update which was not in my favor once again. I was told the information was verified but again nothing showing how or why it was verified. There was no way it could be right because even agents from XXXX saw it was incorrect and tried to help me dispute it.
The payment for XXXX was reported late because of all of this. I was actually one month ahead but since I understand that it is computers and not people reporting the payments it was sent incorrectly.
The XXXX payment was due on XX/XX/XXXX . I setup the payment on XX/XX/XXXX and it posted on XX/XX/XXXX Finally, my report showed on time.
XX/XX/XXXX - Showing paid. After all the fighting I did finally have a credit shown on my account and it showed no payment was due for May.
XX/XX/XXXX - My statement showed that I now owed for XXXX and XXXX . Because I had to pay for so many things up to us moving into a new apartment I asked for an extension and the chat agent set it up for 2 months because he said it would include XXXX . I wasnt happy with that because it should have been a credit for XXXX , but I took it and my report did not show any lates for XXXX , XXXX , or XXXX . The agent told me the next payment would be due on XX/XX/XXXX .
Since my next payment was due on XX/XX/XXXX and we had just moved, I knew that I could have until XX/XX/XXXX to get the payment into them before being 30 days late and because of the move I was still getting things straightened out. On XX/XX/XXXX and XXXX I went to a XXXX dealership looking for something to trade in for and get better mileage as well as room for a new baby. On XX/XX/XXXX I called XXXX and chatted with an agent ( always both to verify it was actually noted ) and asked them if I was trading in the truck if I needed to make a payment before XX/XX/XXXX and that I did not want a late payment. They said that I shouldnt make a payment because it may not post in time for the dealer to see my balance was lower and it could cause issues. When I got to the dealer on XX/XX/XXXX I told them to call XXXX XXXX and remind them I was trading in the truck and they told XXXX XXXX it could take 10 days to show up as paid but they didnt want me to be hit with a late payment either. XXXX agreed and we moved on.
XXXX lists a late payment on my report for XXXX and Transunion shows it was paid on time but shows my current status as 30 days late.
As you can see, I have all of my dates, my contact with XXXX , and the frustration on this account documented very well. I have all of the emails from XXXX showing my payment dates and amount, scheduled amounts, posted dates, etc for the months in question.
It really is a simple solution because all of this stemmed from the payment extensions and so when the original date for example of XXXX was pushed back to XXXX and a payment was made in XXXX the payment in XXXX would look as though the previous month was 30 days late and it wouldnt be credited for XXXX , but that is not correct because there was an extension granted for that month and a month added to my loan term.
Lastly, on this account when I disputed the account for the first time in XX/XX/XXXX I actually had the late payments of XX/XX/XXXX XX/XX/XXXX , and XX/XX/XXXX added to my report after it had been closed for more than 8 months. Not sure how thats possible but it was added on my Transunion report.
To clarify, I have sent documents to XXXX and all XXXX bureaus. I never got back any verification from either source only a verified or even a dispute not specific response and nothing changed. It really is a simple mistake and I do not blame XXXX , or the individual workers there for the information reported by a computer but I would love this to be resolved.
On XX/XX/XXXX I did a three way call with XXXX and XXXX and the CSR named XXXX said XXXX did not have any documentation on my payment history and he admitted he didnt have any idea how it could be verified without that information but was not in the power to have it removed personally and I was told to mail in my dispute.
This is really unfair because XXXX XXXX could report anything they want and they would not have anybody force them to correct it so that is what I hope you all can do.
I know I may not have paid on the due date every single time but I was actually ahead more often than not after the payment extension fiasco and if I was after the payment due date I was certainly never 30 days or more. That may not be the best way to go about payments but I own my own business and I was doing everything I could to keep my account in good standing and my credit report clean!
This inaccurate reporting is hurting my ability to obtain a home loan and I have desperately asked XXXX XXXX and the XXXX bureaus with the incorrect information to be updated quickly so I can close on my home loan and get the best possible rates.
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| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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Okay I'm going to share with you what I told the FBI-iC3 in a cyber fraud/IP fraud complaint. Well let me put it this way, so that you know where this is going. I was invited to attend XXXX schools (I went to two due to fraud) and was paying for everything out of pocket (food, rent, transportation, books, etc). I took out federal loans to pay for the rest. I do not qualify for bankruptcy to discharge these loans possibly because of due process issues and a stubborn inability of one lawyer to believe that fraud and racketeering could ever be so egregious right there at a law school. Some of us are XXXX on purpose and in my case I was told that I was sick by school administrators. This is also part of my family dynamic. XXXX is sick, therefore anything you want that is hers you can take. I was also about XXXX pounds during XXXX school because it felt much nicer to be in control of my feeling of nausea. As you might know, one can make a lot of money by disabling a person (better yet, a XXXX person or someone XXXX XXXX) so much that the appearance is that they can no longer take care of themselves. I was forced to quit XXXX school twice on account of this principle: XXXX XXXX is just too ssick to handle our coursework. I feel that these people are defrauding the government by injuring only those whose families don't let them have voices. Any lawyer will tell you, nothing can feasibly go wrong when the victim cannot be heard or believed due to alleged mental illness. In this way I consider the XXXX trials very important because many of those victims cannot be heard because they are non-living. There's a second benefit to inducing sickness in another: direct profit from controlling their assets, property, welfare, education, rights, and social media posts. All of this I have gone through. Generally family members with wills and trusts are infamous for inducing one family member to believe they are sick enough to tell a doctor that. This is why they are able to control of the finances of someone else living far away as was the case with me. This kind of fraud might have become more or less camouflaged by Covid-19 itself when so many people were frantic and everyone walking around in a surgical mask looked like either a surgeon or a sickly patient. The next part that follows is a copy and pasted account of what I told the iC3 division of the FBI in a similar complaint today. I feel this is necessary as a matter of life or death, to submit as many complaints as needed until one person decides to stand up for me. No one has so far, everyone is so XXXX. Many facts that would be helpful are omitted for brevity reasons if possible. But what I include here should be enough to initiate some kind of investigation. The bulk of what is discussed is about what you see here XXXX a recording I took with my phone to prove that my audio service on XXXX was part of a conspiracy against me.
In XXXX (Spring) I was the only girl in the XXXX XXXX class at XXXX XXXX XXXX XXXX XXXX. There were only 4 students in the class, but still. This is the kind of class where you learn how to draft XXXX claims. The professor stood in an auditorium style room in XXXX XXXX to teach the class over XXXX. Me and 2 other students took the class over XXXX due to COVID-19 (classes were taught "hybrid" style) while 1 student managed to attend on campus every evening. I was told I did very well. Then unexpectedly one day about 1/3 of the way into the semester the audio was affected. I literally could not hear, but when I spoke in class the professor could hear me. The other students taking the class on XXXX might have had trouble hearing too but were complacent and just wanted a grade. No one could figure it out despite the intellectual superiority of everybody. For the rest of the semester, at every class that was held (but only for this course), I was unable to make out what the professor was saying. It was probably the classroom settings. I could hear the other students on XXXX just fine. I complained in class everyday. I could no longer follow the course or the lecture and when it came time to do the final project I threw my hands in the air with tears in my eyes and I told the professor that I thought it was an ethical violation and a selfish thing to do (also an injury to pay for what I haven't received) to fib my way through the course he advised me to do it anyway for a B. I refused. I really like science and there is no reason to exaggerate the truth. I took a video of one of the classes using my phone even though, yes, this violated student handbook policies on taping lectures. When I complained about this to the Dean of Students XXXX XXXX she told me that it was my fault, I would have to pay for the class anyway and would not receive credit, that what I should have done is ask for accommodations for my XXXX XXXX The most ironic thing was that the hypothetical invention we were using in this course was about XXXX XXXX that is held under the grate of a XXXX XXXX in a wet basin. Now correct me if I am wrong but stormwater means oily water from traffic in this context. I see this as connected to the internet or the XXXX. XXXX XXXX primary goal for the XXXX XXXX XXXX XXXX was water communications and XXXX was pregnant at the time.
This blatant fraud was outrageous and inciting especially since my grandfather was a XXXX XXXX XXXX XXXX XXXX veteran who invented some special technology for oil rigs that prevented oil spills from happening, which was patented. The other unusual thing about this was that my vicious boyfriend at the time was XXXX XXXX XXXX XXXX XXXX XXXX He is a proud boy in every sense of the word. He even came to visit me in order to attend the XXXX XXXX XXXX XXXX XXXX XXXX Oregon (where XXXX XXXX XXXX is located) in XXXX. He is a patent holder for some kind of phone or internet software, is a contractor now and also founded XXXX. Kind of thematic, don't you think? Later that year he XXXX XXXX XXXX XXXX while I was in XXXX taking one class remotely. He did this on purpose and in his closet as if he was worried his TV might hear me shout. A police report was filed. That was in the summer in his loft apartment on XXXX XXXX next to XXXX XXXX across the street from the XXXX XXXX.
Getting back to the Spring semester right before the XXXX... I had difficulty with professors in every IP class I took especially during that semester. The classes I took were XXXX, XXXX XXXX XXXX XXXX. I only received course credit for one. Look, I am a good student and I am from XXXX Massachusetts the place where a lot of IP comes from and where XXXX XXXX was written. You can believe me when I say that I care more about the arts and sciences than these people do.
When I started law school I had XXXX of my own money, I was paying my own way and no one wanted me to go to XXXX school. I was the "identified patient" in my family. But in preparation of what was to come I took out multiple federal loans and received a scholarship, a scholarship which was taken away when I received no credit for things and my GPA dropped. Eventually, I withdrew and fled to take care of my health and to find out why I was being treated this way with one class remaining, but listen I had no choice. I felt ethically obligated to defend myself even though self-defense is not the occupation of a XXXX. During school and after I withdrew my family and boyfriend used the discrimination I told them about as a quasi-precedent (or rite of passage) kind of like XXXX XXXX XXXX used XXXX XXXX to see how much they could get away with. It was no longer merely acceptable to hurt XXXX XXXX and make her sick, it was the rule. My family has now taken everything I own including my car and textbooks away from me. So I started with XXXX and invested that in myself to acquire knowledge then a few years later I have XXXX and no personal property or assets and XXXX in loans with no diploma or way to finish school, I also do not qualify for bankruptcy to discharge these loans, trust me I have tried. I am a victim of fraud, clearly. The worst part is not one XXXX is knowledgable or willing to help me even with money, its "too complex." It isn't really though. If I were to draw this like on a patent I would draw a XXXX. Its a repititous pattern that "walks" on its own like magic. It can look curved like a rainbow from one perspective, it can look like a thick bracelet if you hold it in your hand, or you can see right though it like a tunnel. This is the best I can do as someone with no real-world experience to describe the difference between a student being just a total XXXX with a spending habit and a student being a victim of very serious very real timely fraud. There was something else about this class that relates to poetry that makes me feel certain this is XXXX but I will skip over that for now for clarity purposes.
When I withdrew from school (approx. when RXXXX XXXX XXXX in XXXX XXXX) I had just been told by the dean (XXXX XXXX) that I was too sick to participate in classes and was not be allowed to raise my hand, ask or answer questions in class. This was actually in writing but my school email was deleted when I withdrew. I was also told not to come back when I withdrew. It was so outrageous, what this being a XXXX school and all, that no one believed me. On top of which I was so flabbergasted that I could hardly speak conclusively. No one cared either. What they saw was someone who had been missing for XXXX years and reappeared penniless with bruises with nothing to offer the world. I was forced into homelessness when XXXX and my sister conspired to take me out. Just like that my world flopped down like a 2D piece of cardboard I had confused for the real world. Isn't it unusual, to have no clothes or money or textbooks or diploma despite a sizable inheritance? It is as though I don't exist either. I have no 5th or 8th amendment rights as a result of this and so I am a "criminal" without any criminal charge, conviction, trial or lawyer. I therefore also lack 4th and 6th and arguably 13th amendment rights. Still, no one knows what to do! In the words of XXXX XXXXXXXX XXXX XXXX XXXX XXXX I mean, I think I am being blocked from being a XXXX XXXX XXXX by depriving me of my civil rights and my voice. I am constantly told that I am SICK SICK SICK. Sometimes an envelope will just fall down from the sky into my hands inside with a tiny letter inside that says "dear XXXX, you are sick, love the United States." I am driven to be sick. I felt nauseated in school. And I recovered from a XXXX year battle with XXXX XXXX XXXX when I withdrew but then was starved on purpose when I went home and was (unlawfully, I would think) evicted by my boyfriend and family. I managed to remain XXXX throughout all this. Using my intellect, I managed to locate a miniature XXXX XXXX for survivors of this kind of thing. I am doing better now and have my physical needs met technically but I have been living in hiding from the people who profit off XXXX (as if I'm a fugitive from the law) for XXXX months and for the last XXXX weeks during this time I have finally been strong enough physically and mentally to figure things out on my own. I did start talking about XXXX on XXXX before it was ever in the news with XXXX XXXX. It isn't like I'm trying to mimic what I hear or something. My instinct that this is XXXX is partly connected to the XXXX XXXX in the XXXX class in the sense that the only source of the income I still have, which I inherited from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, comes to me in the mail from an oil and natural gas company in XXXX, LA (XXXX XXXX) in the county of XXXX XXXX. The amounts and frequency of these checks that I receive is suspicious but I have no control over it and this company refuses to send me adequate information or tax forms on this account that I allegedly have ownership rights to. But so do other members of my family, so making me sick is certainly in their interest. I know that at one point my mother XXXX XXXX was intercepting these very small but precious checks. I guess what I'm saying is that there just seems to be an oil and natural gas hearing disconnection. Maybe this is part of research conducted at XXXX XXXX XXXX the #1 XXXX XXXX school in the nation, but if that is the case I would like it to stop because I am no longer a student and the XXXX XXXX still applies. Because of the infrequency of these reported checks Massachusetts is suspicious too and feel that they lack the requisite verification (proof of income) I need to show them in order to receive cash benefits, food stamps and free health insurance. So my food and health coverage will be cut off soon and there's nothing I can do about it. The XXXX just sends a XXXX XXXX counselor to help me work through my perception of things. My family continues to make me sick intentionally and I am permanently injured by what the school did to me. These people working side by side get me to spend more while losing my credibility and control over my health. It feels like a XXXX spiral, like in couples ice dancing. So I suspect that there is an underlying securities fraud aspect to the intellectual property/cyber security fraud for which I am reporting here that might be justified by my inheritance which led to my XXXX and ... guess what.. my inability to be heard.
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TODAY IS XXXX XXXX, 2023 My First & LAST name, are as Follows : XXXX XXXX XXXX XXXX My Street NUMBER & Street NAME are as Follows : XXXX XXXX XXXX XXXX XXXX My City and State are as Follows : XXXX, Georgia ****To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECI, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any misinformation now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
( a ) I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( b ) I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights ( c ) I do NOT have any requisite OTHER SSNs and I do NOT desire any OTHER SSNs to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( d ) I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( e ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( f ) I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( g ) I do NOT have any requisite spouses/ roommates/ co-applicants and I do NOT desire any spouses/ roommates/ co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
( h ) I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer right.
RE : ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physical verifiability of the CONFIRMED manual.
validation of any item upon a consumer complaint such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
To whom it might concern, I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogator item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across several mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and never!
Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX proof of truth, correctness, completeness, timeliness, and or elsewise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks.
Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumer 's credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( s ) with you, as noted above-> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse accounts ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above-> ( unlawfully so mind you ). It seems to be asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws.
Please note that I am requesting " validation '' ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreements ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance -> the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the account 's payment history as " paid or pays as agreed, NEVER LATE entry ''.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports. Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reporting ) as is mandated by my State 's laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my State 's credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IN BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the account 's history as being " PAID/PAYS as AGREED -- NEVER LATE ''. Any other notation is possibly refutable or even unlawful chicanery-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have without any delays, directed each to eliminate any and all adverse remarks and further to display.
" PAID or PAYS as AGREED, NEVER LATE! " Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. Nevertheless, these accounts have been unlawfully sold to other corporations.
In genuine sincerity, XXXX XXXX
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| 06/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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100 % MEDICAL COVERAGE THESE WERE ALL PAID FOR BY MEDICAL INSURANCE PROVIDER Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$110.00} Amount {$110.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$21.00} Amount {$21.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$49.00} Amount {$49.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$1.00} Amount {$0.00} Status Date XXXX / XXXX / XXXX Status PAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$31.00} Amount {$31.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number XXXX XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$10.00} Amount {$10.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$52.00} Amount {$52.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$1.00} Amount {$0.00} Status Date XXXX / XXXX / XXXX Status PAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$15.00} Amount {$15.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$19.00} Amount {$19.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$31.00} Amount {$31.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$52.00} Amount {$52.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$33.00} Amount {$33.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$21.00} Amount {$21.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$52.00} Amount {$52.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$15.00} Amount {$15.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$160.00} Amount {$160.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$110.00} Amount {$110.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$5.00} Amount {$5.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$10.00} Amount {$10.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$11.00} Amount {$11.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$31.00} Amount {$31.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$62.00} Amount {$62.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$100.00} Amount {$100.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$170.00} Amount {$170.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$68.00} Amount {$68.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code JOINT_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments Consumer disputes? reinvestigation in progress Consumer disputes this account information Date reported : XXXX / XXXX / XXXX ALL MEDICAL DEBTS HAVE BEEN PAID BY MEDICAL INSURANCE Original Creditor Name XXXX XXXX XXXX Date Assigned XXXX / XXXX / XXXX Original Amount Owed {$10.00} Amount {$10.00} Status Date XXXX / XXXX / XXXX Status UNPAID Balance Date XXXX / XXXX / XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number xxxx XXXX Creditor Classification Medical or Health Care Last Payment Date Date of First Delinquency XXXX / XXXX / XXXX Comments
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| 12/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX, XXXX XXXX. XXXX XXXX is reporting my auto loan payments as LATE PAYMENTS. Finance charges was included which is the sum of all payments.There should be no late payments for this account. XXXX is also reporting XXXX, XXXX, and XXXX as XXXX days late for each month. A personal can not be XXXX days late in a month!!! I ATTACHED ONE OF MY MOST RESENT CREDIT REPORT FOR PROOF THAT XXXX XXXX IS REPORTING INACCURATELY ON MY CREDIT REPORT. I HAVE DISPUTED THIS INFORMATION ONCE. I RECIEVED A CALL FROM XXXX ABOUT THIS INACCURATE REPORT. BUT MY CREDIT REPORT WAS NOT UPDATED. Refer to LAWS of 15 USC 1605 AND 15 USC 1666 XXXX XXXX IS VIOLATING CONSUMER LAWS 15 USC 1605 ( a ) ( a ) Finance charge defined Except as otherwise provided in this section, the amount of the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges, payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit. The finance charge does not include charges of a type payable in a comparable cash transaction. The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges. Examples of charges which are included in the finance charge include any of the following types of charges which are applicable : ( 1 ) Interest, time price differential, and any amount payable under a point, discount, or other system or additional charges.
( 2 ) Service or carrying charge.
( 3 ) Loan fee, finders fee, or similar charge.
( 4 ) Fee for an investigation or credit report.
( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss.
( 6 ) Borrower-paid mortgage broker fees, including fees paid directly to the broker or the lender ( for delivery to the broker ) whether such fees are paid in cash or financed.
( b ) Life, accident, or health insurance premiums included in finance charge Charges or premiums for credit life, accident, or health insurance written in connection with any consumer credit transaction shall be included in the finance charges unless ( 1 ) the coverage of the debtor by the insurance is not a factor in the approval by the creditor of the extension of credit, and this fact is clearly disclosed in writing to the person applying for or obtaining the extension of credit ; and ( 2 ) in order to obtain the insurance in connection with the extension of credit, the person to whom the credit is extended must give specific affirmative written indication of his desire to do so after written disclosure to him of the cost thereof.
( c ) Property damage and liability insurance premiums included in finance charge Charges or premiums for insurance, written in connection with any consumer credit transaction, against loss of or damage to property or against liability arising out of the ownership or use of property, shall be included in the finance charge unless a clear and specific statement in writing is furnished by the creditor to the person to whom the credit is extended, setting forth the cost of the insurance if obtained from or through the creditor, and stating that the person to whom the credit is extended may choose the person through which the insurance is to be obtained.
( d ) Items exempted from computation of finance charge in all credit transactions If any of the following items is itemized and disclosed in accordance with the regulations of the Bureau in connection with any transaction, then the creditor need not include that item in the computation of the finance charge with respect to that transaction : ( 1 ) Fees and charges prescribed by law which actually are or will be paid to public officials for determining the existence of or for perfecting or releasing or satisfying any security related to the credit transaction.
( 2 ) The premium payable for any insurance in lieu of perfecting any security interest otherwise required by the creditor in connection with the transaction, if the premium does not exceed the fees and charges described in paragraph ( 1 ) which would otherwise be payable.
( 3 ) Any tax levied on security instruments or on documents evidencing indebtedness if the payment of such taxes is a precondition for recording the instrument securing the evidence of indebtedness.
( e ) Items exempted from computation of finance charge in extensions of credit secured by an interest in real property The following items, when charged in connection with any extension of credit secured by an interest in real property, shall not be included in the computation of the finance charge with respect to that transaction : ( 1 ) Fees or premiums for title examination, title insurance, or similar purposes.
( 2 ) Fees for preparation of loan-related documents.
( 3 ) Escrows for future payments of taxes and insurance.
( 4 ) Fees for notarizing deeds and other documents.
( 5 ) Appraisal fees, including fees related to any pest infestation or flood hazard inspections conducted prior to closing.
( 6 ) Credit reports.
( f ) Tolerances for accuracy In connection with credit transactions not under an open end credit plan that are secured by real property or a dwelling, the disclosure of the finance charge and other disclosures affected by any finance charge ( 1 ) shall be treated as being accurate for purposes of this subchapter if the amount disclosed as the finance charge ( A ) does not vary from the actual finance charge by more than {$100.00} ; or ( B ) is greater than the amount required to be disclosed under this subchapter ; and ( 2 ) shall be treated as being accurate for purposes of section 1635 of this title if ( A ) except as provided in subparagraph ( B ), the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one-half of one percent of the total amount of credit extended; or ( B ) in the case of a transaction, other than a mortgage referred to in section 1602 ( aa ) [ 1 ] of this title, which ( i ) is a refinancing of the principal balance then due and any accrued and unpaid finance charges of a residential mortgage transaction as defined in section 1602 ( w ) 1 of this title, or is any subsequent refinancing of such a transaction ; and ( ii ) does not provide any new consolidation or new advance ; if the amount disclosed as the finance charge does not vary from the actual finance charge by more than an amount equal to one percent of the total amount of credit extended.
AND LAW 15 USC 1666 Correction of consumer errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXXate of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 90 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXXXXXX XXXX - This employer is not correct. Delete it immediately from my report.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Missouri XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : California XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX as per my previous CFPB complaints I have mailed multiple documents to XXXX regarding the wrong non deliverable address reporting on my credit report as well as my request to OPT OUT of my Payment/ Transaction History reporting on my credit report. XXXX had disregarded disputes and has failed to send proof of their investigations. They have ignored my request for contracts signed by me to be provided for XXXX XXXX XXXX which I never had a contract with. XXXX has ignored the law and has violated my rights by reporting my trans action history without my consent. XXXX continues to report inaccurate information on student loan accounts that have been proven to be resolved and no longer reports on XXXX AND TRANSUNION. Two accounts showing as US DEPT OF ED/XXXX Shoes as XXXX balnce on Transunion and is completely removed from XXXX. XXXX IS IN VIOLATION OF MY RIGHT AND THE LAW PER : 15 USC-6802 16 CFR 313.7 16 CFR 433.2 THE PRIVACY ACT OF 1974 the Gramm-Leach-Bliley Act ( GLBA ) The laws and violations implemented are explained below per the CFR, FCRA, USC, The privacy Act of 1974. All of which show clearly that XXXX is in violation and will be legally held responsible for their blatant disregard for my rights as a consumer. I DO NOT GIVE XXXX, XXXX AND OR TRANS UNION PERMISSION TO REPORT MY TRANSACTION HISTORY TO THIRD PARTY NON AFFILIATES, OR THE PUBLIC ON MY CREDIT REPORT. I have made multiple complaints and disputes this year alone and if my request, my rights and the law continues to be ignored then I will have no choice but to seek legal remedy in federal court for their violations per month and damages for slander and invasion of privacy.
My final demands are as follows which are backed by law. CFR enforces these rights and laws that XXXX fails to abide by. ACTION IS REQUIRED OR LEGAL FILING WITH FEDERAL COURT FOLLOWS.
Remove undeliverable addresses : XXXX XXXX XXXX XXXX Ohio ( never lived there ) Remove invalidated accounts that are not verified and a contract with my wet signature has not been provided to me with full disclosure of the claimed agreement.
STOP Reporting my transaction history it is an invasion of my Privacy and has caused me mental distress and defamation.
I DO NOT GIVE XXXX, TRANSUNION OR XXXX PERMISSION TO REPORT MY TRANSACTION HISTORY.
XXXX must stop reporting inaccurate information which is deliberate. They are aware that US DEPT OF ED account show {$0.00} balance on Transunion and is completely removed from XXXX.
All COLLECTION ACCOUNTS MUST BE REMOVED THEY HAVE NOT BEEN VALIDATED AND NO CONTRACT WITH ME AGREEING TO BE IN CONTRACT WITH XXXX XXXX ( TRANSUNION ) OR XXXX XXXX XXXX ( XXXX ) HAS BEEN PROVIDED.
TRANSUNION REMOVED XXXX XXXX AND WITHOUT NOTICE LAST MONTH XXXX PLACED IT BACK ON MY REPORT WITHOUT NOTICE OR PROOF OF ANY SUCH INVESTIGATION.
Payment history and transaction history must be removed and no longer reported for the accounts below.
XXXX XXXX US Dept of ED US Dept of ED XXXX Now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lastly Many of these accounts are charged off/written off and are deemed as Income and I should have received a copy of the 1099 from these creditors to file as income.
PRIVACY ACT OF 1974 : The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information : ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods : 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples- ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9.
( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part.
[ 65 FR 33677, May 24, 2000, as amended at 74 FR 62966, Dec. 1, 2009 ] Privacy Fair Credit Reporting Act Section 603 ( d ) Consumer Report and Information Sharing Section 603 ( d ) defines a consumer report to include information about a consumer such as that which bears on a consumers creditworthiness, character, and capacity among other factors. Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency. The statutory definition contains key exemptions to this definition that enable financial institutions to share this type of information under certain circumstances, without becoming consumer reporting agencies. Specifically, the term consumer report does not include : 1. A report containing information solely as to transactions or experiences between the consumer and the financial institution making the report. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. This type of information sharing may, however, be restricted under the Privacy of Consumer Financial Information regulations that implement the Gramm- Leach-Bliley Act ( GLBA ) because it meets the definition of non-public personal information under the Privacy regulations ; therefore sharing it with non-affiliated third parties may be subject to an opt out under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and information such as their credit scores with another financial institution to jointly market or sponsor other financial products or services. This communication may be considered a consumer report under the FCRA and could potentially cause the sharing financial institution to become a consumer reporting agency.
2. Communication of such transaction or experience information among persons, including financial institutions related by common ownership or affiliated by corporate control.
3. Communication of other information ( e.g., other than transaction or experience information ) among persons and financial institutions related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information will be communicated among such entities, and before the information is initially communicated, the consumer is given the opportunity to opt out of the communication.
I expect to have all credit reporting agencies to follow the law and respect my rights. This is my last CFPB complaint the next attempted to resolve this will be in court.
XXXX XXXX
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| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Upon careful examination of the Complete Investigation Report Submitted/Mailed to me dated XX/XX/XXXX, Im afraid they not only embellished certain payments, I believe in retaliation of my complaints, in order to extend the longevity of the life of a negative item to remain on my credit report by a range of appx one year, but its painfully clear they did not follow the guidelines of the Federal fair Reporting Act. This was their complete report following THREE Dispute letters, two of which requested they provide the proof of their investigation, which I have never received after the 3 MONTHS of disputes. Many of the accurate updates are simply incomplete and by the guidelines without the complete information, should have been removed from my report as requested in all 3 of my dispute letters. Those dispute letters have been uploaded on my first complaint filed on XX/XX/XXXX in regards to Transunion.
The following is where I find the obvious intentional entries as a way to again, retaliate my valid complaints about their lack of reporting correctly as well as not processing my first two dispute letters sending me communication that they did not believe the letters were valid, although I not only called to confirm they were sent by me, but also signed by me personally and mailed with a copy of my state issued drivers license and copy of my bank statement to verify address. They failed to follow the guidelines of the fair reporting act then and they continue to do so with this complete investigation lacking the proof requested by me in my last two dispute letters, but lack of complete information as well. As follows : File # XXXX Date Issued : XX/XX/XXXX Page 6 XXXX XXXX : Not only have they not rectified the balance due to be {$0.00} as it clearly has a status of charge off but as per their own Key for payment history on page 3 of the report. XXXX are labeled XXXX which according to their key stands for UNKNOWN! If those dates are unknown, the report/item is incomplete and should be removed from my credit report as requested. The unknown status continues XXXX XXXX XXXXXXXX : I received no proof of delinquency of payments as requested on two dispute letters for dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They failed to comply with the guidelines set forth on the fair reporting act within 30 days ( its now been 3 months/90 days ) and the negative item should be removed from my credit report as requested in my dispute letter.
They also claim my last payment was made XXXX on their rating it clearly shows OK in the month of XX/XX/XXXX. Contradicting information submitted as accurately investigated after 3 months of disputes m, again without the requested proof of their investigation. Guidelines not followed.
Again, this account has a charged off status, yet they again failed to correctly report the balance due and past due as it should read {$0.00} as it was charged off and sold to collections, as requested in my dispute. Again no proof of their investigation.
Page 7 : XXXX XXXX : Here is where they seem sneaky and knowingly change the date of the last payment to be not only {$0.00}, but also almost a year after they had originally showed the last payment, I believe in an effort to prolong the longevity of this negative item to remain on my report. Changing the last payment date would inaccurately date the account to be delinquent, keeping it on my report longer ( I believe as part of their retaliation ). Clearly a payment of {$0.00} IS NOT a payment at all!!!!!
They have also updated the rating portion with an XXXX from XXXX, as per their key this would mean UNKNOWN! That would be an incomplete entry and along with no proof of this investigation the item should be removed from my report as requested in my dispute!
XXXX XXXX : Again the last payment made and payment received date falsified to prolong the life of this negative item on my report. Again, a payment of {$0.00} is not a payment at all.
Again the rating section for payments are All Labeled XXXX XXXX, UNKNOWN. This would be incomplete and lack any proof of their investigation as requested!
Page 8 XXXX XXXX : Again the falsified date and amount of the last payment and payment date. {$0.00} payment is not a payment Again the rating section for payments are ALL Labeled XXXX XXXX, UNKNOWN. This would be incomplete and lack any proof of their investigation as requested!
XXXX XXXX : Again they did not update the balance to ZERO as requested ; item has been charged off and would have a balance of {$0.00} as its in collections.
Again, the last payment received has been falsified to XXXX with a {$0.00} payment ( as per their ledger, that was clearly after the item had been reported deliquent over 120 days and well into the charge off date, I believe to prolong the life of this negative item to remain on my report as an act of retaliation. Along with the lack of requested proof within the timeframe of the guidelines of the fair reporting act ; this item should be removed from my report as requested in my dispute letters.
Page 9 : XXXX XXXX : Again, the balance was not updated to be zero as this is a charged off account, which also left an incorrect amount past due of {$2900.00}. The last payment date is also incorrect as per the ledger.
The ledger of payments does not match the last payment date entered. These discrepancies along with the lack of requested proof from my dispute letters in the timeframe given in the fair reporting act ; this item should be removed from my credit report.
XXXX XXXX : Ledger shows XXXX UNKNOWN for dates XXXX. With an unknown status the investigation is incomplete as well as the lack of proof in the time frame as per the guidelines of the fair reporting act this item should be removed from my report Page 10 : They claim this entire page has investigation results : VERIFIED AS ACCURATE. I do not believe they did any kind of investigation on these collection items at all and I requested Proof of these investigations and received NOTHING!!!! They did not supply any proof of any kind of investigation as requested in more than one dispute letter which has allowed them way more time to do so and still didnt bother to supply any form of proof of any kind of investigation to the validity of these collections or the information supplied in this report that is clearly not complete as they claim it to be. Other than the Progressive, The Receivable Management Services who themselves sent me a statement validating the collection : all other collection items on page 10 should be deleted as per the lack of requested validity and proof of an investigation in the time frame permitted as per the Fair Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I do not believe they did any kind of investigation on this collection item at all and I requested Proof of these investigations and received NOTHING!!!! They did not supply any proof of any kind of investigation as requested in more than one dispute letter which has allowed them way more time to do so and still didnt bother to supply any form of proof of any kind of investigation to the validity of these collections or the information supplied in this report that is clearly not complete as they claim it to be. Without said requested proof in the time frame permitted as per the fair reporting act, this item should be deleted from my report.
XXXX XXXX XXXX : Inaccurately reporting account as Open. Inaccurately reporting a balance when the item has been charged off. Inaccurately reporting a past due balance when account has been charged off.
Due to lack of supplying any form of proof for their investigation as requested to validate item as well as the incorrect items that need that proof be shown, this item should be removed from my report. They did not supply any form of proof of their investigation in the time frame slotted by the fair reporting act.
XXXX XXXX : Again, inaccurately reporting a balance and past due when the item is a charge off.
The ledger has XXXX UNKNOWN providing an incomplete report from XXXX.
The proof I received from XXXX lacked statements thruout all years and was incomplete. They also stated that they did not have statements further than 2 years back. That would be incomplete and this item should be removed from my report.
Page 12 : They claim this page has investigation results : VERIFIED AS ACCURATE. I do not believe they did any kind of investigation on these collection items at all and I requested Proof of these investigations and received NOTHING!!!! They did not supply any proof of any kind of investigation as requested in more than one dispute letter which has allowed them way more time to do so and still didnt bother to supply any form of proof of any kind of investigation to the validity of these collections or the information supplied in this report that is clearly not complete as they claim it to be. All collection items on page 12 should be deleted as per the lack of requested validity and proof of an investigation in the time frame permitted as per the Fair Reporting Act, its been 3 months : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : ANOTHER Falsified payment received date with a {$0.00} dollar amount. Falsified last payment date.
Ledger UNKNOWN XXXXincomplete reporting. Item should be removed from my report as it can not be verified as accurate with unknowns.
Page 13 : XXXX XXXX XXXX : I did not receive the requested proof of investigation or the validity of the account to be owned by this collector.
Due to this lack of proof in the time frame slotted by the fair reporting act, this item should be removed as it can not be verified without said proof.
XXXX XXXX XXXX : Falsified payment received date and amount. {$0.00} is not a payment.
Last payment made date contradicts the ledger as it clearly shows payments made thru XX/XX/XXXX.
Also shows a closing date for the account as XX/XX/XXXX when the ledger shows that to have only been 60 days past due on payment.
Ledger also contains UNKNOWN entries which is an incomplete reporting.
Due to these discrepancies as well as the incomplete ledger and proof of any investigation to validate this collection or the dates for that matter, this item should be removed from my report as this proof has never been supplied in the time frame given by the fair reporting act.
This report is dated complete XX/XX/XXXX. It is now XX/XX/XXXX. I have not received any form of proof for any kind of investigation from Transunion as requested in my last two dispute letters dated XXXX and XXXX. Transunion has failed to follow the guidelines set forth by the Fair Reporting Act and I believe misused their power of reporting my credit report information in retaliation of my complaints both in house as well and informing them I would be filing a complaint here. This report is NOT complete and far from accurate in MANY ways! They have had THREE FULL MONTHS to process my disputes to correctly report the information and failed MISERABLY! They made obvious mistakes that were even requested to be fixed in my dispute letters. They made a mockery of their duty to fairly report as per the fair reporting act. I think its obvious they will do whatever they want in any time frame they see fit or at least with my disputes and reporting. I have proven every step of the way and supplied the proof of their lackluster ways of abiding by the law. I truly believe a lot was done to actually tank my score in a one month time from a XXXX all the way down to a XXXX, which is lower than when I started the path to repair my report. This was done in retaliation of my complaints and demanding that they will be held accountable for the items in my dispute letters. They did nothing fairly nor have they done it in the time allowed.
I believe if they are allowed to get only a slap on the wrist they will do this again and again as they seem to believe they can. They should not only be held accountable, but fined for this!! Its not ok what they have done here and its far from the fair reporting they claim to be. They should have processed every dispute letter I mailed to them and completed them in the time frame they are allowed!!! They took liberties to disclaim my first two dispute letters even tho they were sent CERTIFIED, the letter was signed by me in ink, had my social and full name and birthday, and mailed with a clear copy of my state issued drivers license and a bank statement with my home address! They dropped the ball not once but twice and then did everything they could to retaliate once I complained and demanded they process my disputes in the time they were allowed! Once I requested the information to file a complaint here and made it clear I would do so.someone there made sure my report would end up a mess of inaccuracy and do things daily to downgrade my score, by even waiting until the DAY AFTER THIS REPORT was complete to then make changes to drop my score XXXXpoints as laid out in my last complaint! UNACCEPTABLE!!!!
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| 10/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Per the Fair Credit Reporting Act, 609. Disclosures to consumers [ 15 U.S.C. 1681g ], and 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of disputed information.
( 1 ) Reinvestigation required.
( A ) In general. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information.
( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer.
( B ) Provision of other information from consumer. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant.
( A ) In general. Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice. A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information.
( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
( B ) Requirements relating to reinsertion of previously deleted material.
( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies.
( 6 ) Notice of results of reinvestigation.
( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion.
( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports. Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) of this section to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
According to the Fair Credit Reporting Act, you are required by federal law to ensure that all details being reported on an account must be 100 % accurate and verifiable. If you are unable to fix these inaccuracies for any accounts listed, then per FCRA requirements please remove the inaccurate account entirely from my credit report.
I demand to see the Verifiable proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed in each dispute submitted. Your failure to positively verify these accounts disputed has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts. Proof has not been provided and each credit bureau has reached the statute of limitation per the in-process for investigation numbers with C.F.P.B. and the individual investigations with all three credit bureaus : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX.
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| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX All Rights Reserved Without Prejudice UCC1-308 C/O XXXX XXXX XXXX XXXX
XXXX, TX Re : TransUnion XXXX XXXX XXXX XXXX XXXX, Pa XXXX XX/XX/XXXX Re : Social Security Number : XXXX To Whom It May Concern : I have recently been informed that there is negative information being reported on my consumer report without disclosure options extended from these companies to me, the consumer, nor does TransUnion have my written consent to be reporting the transactional, experiences, or any history, etc. listed by these companies listed below on my consumer report : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX My Fair Credit Reporting Act and Consumer Rights have been violated.
The XXXX accounts listed above have violated my FEDERAL given CONSUMER RIGHTS to PRIVACY amongst other things.
All XXXX of these negative items are listed in the file that you ( TransUnion ) maintain under my social security number.
Upon reviewing a copy of my credit report with your agency, I challenge the accuracy, compliance and reportability of these XXXX listings.
All XXXX companies listed have violated FEDERAL LAW - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
TransUnion has aided this company in this violation of this Federal Law - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Simply put, this consumer law states the following : A Financial Institution MAY NOT, directly, or indirectly, disclose to a NON-AFFILIATED THIRD PARTY any NONPUBLIC PERSONAL INFORMATION unless such Financial Institution gives the following disclosures : 1 ) First disclosure is the Financial Institution letting a consumer know they will disclose information to the non-affiliated third party.
2 ) Second disclosure is the Financial Institution gives the consumer the opportunity before any information is initially disclosed to direct that the information may not be disclosed to such third party.
3 ) Third disclosure is the Financial Institution giving the consumer an explanation so that the consumer can exercise the NONDISCLOSURE OPTION!
TransUnion is a non-affiliated third party!!! I am sure that your Consumer Reporting Agency does not have any disclosures from me saying that I have given TransUnion permission to report any alleged transactional history on my consumer report.
I, XXXX XXXX XXXX, as the consumer, was not provided with any disclosures at all from any of these XXXX companies, yet Transunion has allowed these XXXX companies access to my consumer report to state what they wish.
I know that I have a right to privacy when it comes to my NON-PUBLIC PERSONAL INFORMATION. I also have the right to NOT DISCLOSE any of my NON-PUBLIC personal information. This means that if the Original Lender and/or Debt Collector furnishes anything on my consumer report to a nonaffiliated third party without my written consent, they are in clear violation of the Financial Privacy Act.
These XXXX companies listed DO NOT have any written consent listed on their files for me saying that anyone can send any type of history to a third party. None of these XXXX companies can provide you with my LAWFUL WET SIGNATURE proving that they have my written consent to disclose any transactional history or anything else, yet Transunion has allowed these XXXX companies access to my consumer report WITHOUT my written consent!!!!
This fact makes TransUnion also in violation of The FCRA is 15 U.S. Code 1681 and all its Chapters and Subchapters.
15 U.S. Code 1681b - Permissible purposes of consumer reports : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Breakdown for your understanding : The consumer reporting agencies MAY only report anything to my consumer report if I have given them WRITTEN INSTRUCTIONS.
I am the consumer to whom this FEDERAL LAW relates! TransUnion has aided these companies in this violation of this Federal Law listed below also : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; BREAKDOWN for your understanding : This law clearly states that I am entitled to ACTUAL DAMAGES as a result of the failure or {$1000.00}, whichever is greater, if someones obtains my consumer report without PERMISSABLE PURPOSE!
TransUnion has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Breakdown for your understanding : 1 ) The banks depend on accurate reporting. Inaccurate reporting affecting the banking systems efficiency. Unfair credit reporting affects your confidence in the banking system.
2 ) My credit worthiness, credit standing, credit capacity, character and reputation are dependent on TransUnion reporting system.
3 ) The consumer reporting agencies have a major responsibility in reporting accounts to my consumer reports 4 ) I have the right to privacy! And TransUnion has the responsibility to respect my privacy with Fairness and Impartiality.
I know thats a lot of information, but I hope that this breakdown helps you understand my consumer rights and how this ties together.
TransUnion has aided this company in this violation of this Federal Law listed below also : 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Breakdown for your understanding : 1. The term consumer report is what most people call a credit report.
2. The person making the report is the company who reported the charge off or collection to my consumer report.
3. I AM the consumer.
4. Transactions are all forms of transactional history!
That means on time payments, late payments missed payments, partial payments, delinquent payments, wages, salary, etc. are all forms of TRANSACTIONS!
5. Utilization is an EXPERIENCE created by credit card usage. If I dont use a credit card ( s ), I wont create an experience. However, when I use my credit card ( s ), I, the consumer am creating shopping experiences, reward and/or point experiences etc. Utilization is an Experience due to it being created when I use my credit card ( s ).
TRANSACTIONS & EXPERIENCES reporting on my consumer report is ILLEGAL due to it being a violation of this law, which was given to us by Congress.
Keep this in mind, any violation of my consumer rights is a violation of Federal laws, and any violation of Federal laws is ILLEGAL!
TransUnion has aided these companies in this violation of this Federal Law listed below also : 15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Breakdown for your understanding : The consumer reporting agencies must follow certain procedures when reporting anything to my consumer report that will produce Maximum Possible Accuracy!
How are these accounts on my consumer report reporting to maximum accuracy if I did not receive any disclosure options, give them Permissible Purpose or give TransUnion my written consent to report the transaction, Utilizations, or history?
I want you to understand this. Permissible Purpose equals Written Instructions. Permissible Purpose grants consent. Without Permissible Purpose, its Identity Theft! Its identity theft because TransUnion has allowed someone to report a collection/charge off to my consumer report, using my social security number, on my behalf, without my WRITTEN INSTRUCTIONS to do so.
TransUnion has aided this company in this violation of this Federal Law listed below also : 18 USC 1028A- AGGRAVATED IDENTITY THEFT 18 USC 1028A- Aggravated Identity Theft a ) OFFENSES.
( 1 ) IN GENERAL. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
( 2 ) TERRORISM OFFENSE. Whoever, during and in relation to any felony violation enumerated in section 2332b ( g ) ( 5 ) ( B ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person or a false identification document shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 5 years.
Breakdown for your understanding : Whoever knowingly transfers, possesses, or uses my information unlawfully can be sentenced to 2 years of imprisonment as well as punishment for this felonious act.
TransUnion has aided this company in this violation of this Federal Law listed below by not BLOCKING ACCESS to my personal information or my consumer report without my written consent.
TransUnion was not provided my written consent per FEDERAL LAW for permission for these 6 companies to access my consumer report.
I hereby put you on notice : I DID NOT GIVE TRANSUNION WRITTEN INSTRUCTIONS to report THESE 6 ACCOUNTS MENTIONED TO MY CONSUMER REPORT!
I do not have faith in the vital role you have in assembling my consumer report due to your willful noncompliance and negligence. You have not exercised your grave responsibility in fairness, impartiality and respecting my PRIVACY!
In Conclusion, you have been put on notice about violating my Congress given FCRA rights by allowing these accounts to report to my consumer report WITHOUT MY WRITTEN CONSENT!
Delete the accounts referenced from my consumer report IMMEDIATELY. Also, send a copy of my consumer report with the updated information.
Thank you in advance.
Please DELETE and BLOCK these XXXX companies listed on my consumer report because they all are violations of Federal Law : XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX No transactional history should be reported on my consumer report for these XXXX companies. This violation needs to be deleted. Delete these XXXX accounts listed above from my consumer report, your agency is in clear violation of 15 USC 1681 and all of its subsections.
Failure to respond satisfactorily with the deletion of the above referenced accounts and failure to send a free copy of my consumer report when these accounts have been deleted will result in legal action being taken against your agency, for which I will seek {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 4. Possible Damages per Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] 5. Aggravated Identity Theft per 18USC 1028 6. Mental Anguish I hope you understand the severity of the situation.
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| 07/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The FCRA provides remedies for consumers who are injured due to privacy violations. I feel I have been a victim of unauthorized disclosure of information about my credit, and would like to evaluate remedies I can pursue that restore the balance of my privacy which has been violated, and those which allow me to be protected as a citizen and consumerrequiring that consumer bureaus/CRAs and creditors maintain the highest standard of the law.
Im writing this letter to file an official complaint against Transunion and XXXX XXXX XXXX for behaving in ways that I feel constitute multiple violations of the FCRA reporting act. The actions taken by the vendors in question continue to cause me tremendous emotional and psychological distress, to their negligence, flippancy, and disregard for upholding the law and accurately showcasing my creditworthiness. I am in touch with an attorney to evaluate legal action.
Common violations of the FCRA that are noted here : Old information furnished as new information. Failure to update reports after remitting payments due for all creditors is just one example. CRAs might also report old debts as new and report a financial account as active when it was closed by the consumer. Currently, XXXX XXXX XXXX knowingly pulls a credit report ( ie : XX/XX/XXXX ) and makes evaluations of credit worthiness at a later date, using the outdated information, as though it is current ( ie : reporting credit worthiness for XX/XX/XXXX, as though the information was obtained in the month of the adverse action surrounding credit worthiness ) Withholding Notices I must be given notice on the reporting, handling and use of your credit information. The creditor in question refuses to furnish copies of the alleged reports obtained from CRA ( Transunion ) sufficiently demonstrating the accuracy of the status change.
Creditor failing to notify me when it supplies negative credit information or uses negative credit information to adversely act against my account. A user of credit information ( prospective employer or lender ) failing to notify me of a negative decision based upon my credit report. Or that user of credit information refusing to identify the source of credit information it obtained about me. Creditor refuses to tell me the reporting methodology, practice, or information used to take action against my account standing.
Any violation of the FCRA that harms a consumer can entitle the consumer to a remedy. Common examples of FCRA credit report violations that trigger lawsuits include : Failing to update credit reports to reflect changed circumstances ( such as listing an outstanding debt that was paid or discharged in bankruptcy ).
Reporting inaccurate information ( such as designating payments as late when they were paid on time, misstating balances due, listing me as the debtor on an account when you were only an authorized user, or attributing debt to me after being notified that you were the victim of identity theft ).
Failing to investigate disputes or to correct my report within 30 days after receiving notice of your dispute.
XXXX XXXX XXXX & Transunion : Failure to fairly report proper account standing as per FCRA ; bureau furnishing and reporting old Information and creditor taking adverse action on creditworthiness based on old information ( eg. ; adverse actions in XXXX taking place from a report 30-60+ old ) XXXX XXXX XXXX & Transunion : Failure to report credit account modifications ( credit expansion or restriction ) despite fraud alert on Transunion report : # HK # IFCRA ( XXXX ) XXXX ; added because consumer was a victim of true name fraud as of XX/XX/XXXX.
XXXX XXXX Bank & Transunion : Improper or misuse of credit reporting information Transunion furnishing bespoke reports and consumer information to XXXX XXXX ( selectively reporting false and slanderous credit statements only to XXXX XXXX XXXXother creditors do not have receipt of such statements and judgements as those referenced by the creditor ) - Failure to comply with 614. Restrictions on investigative consumer reports [ 15 U.S.C. 1681l ] ; Transunions failure to comply with 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ] supplying bespoke credit information to intentionally allow XXXX XXXX and XXXX XXXX to tarnish my credit worthiness as indicated below ANNOTATION : Information reported to creditor is different from both consumer report and consumer credit disclosureinconsistent credit reporting practices in favor of creditor.
XXXX XXXX XXXX- Failure to comply with 615. Requirements on users of consumer reports [ 15 U.S.C. 1681m ] creditor refused allow consumer to obtain, under section 612 [ 1681j ], a free copy of a consumer report on the consumer from the consumer reporting agency referred to in paragraph ( 3 ), which notice shall include an indication of the 60-day period under that section for obtaining such a copy ; creditor has denied the request of the specific report used to make their determination XXXX XXXX XXXX Failure to give a notice to new customers whose score is below the cut-off, Rule 640.3 ( b ) ( 1 ) ( i ), nothing that creditors must recalculate the cut-off number every two years. Rule 640.3 ( b ) ( 1 ) ( iii ) ( C ) If you use more than one credit score to make credit decisions for example, by choosing the low, median, high, most recent, or by calculating the average score you must use the same method to make the calculation. If you dont always use the same method, use one of the methods that you regularly use. Creditor refused to disclose which ruling is being applied to restrict previously granted credit balances.
CREDIT PROFILE AS REPORTED BY TRANUNION : XX/XX/XXXX On-time payments : 99 % Oldest Creditline : 14 years Credit Used : 22 % Recent Inquiries : 1 in past 2 years New Accounts : 2 within past 2 years Available Credit : {$6100.00} GOOD : 18 % Income used to pay your debt, 82 % Income used for other purpose POSITIVE ACCOUNT FACTORS AS REPORTED BY TRANUNION : XX/XX/XXXX XXXX. Total of all balances on bankcard or revolving accounts is not too high.
2. Few or no installment accounts with delinquent or derogatory payment status.
3. You have few or no accounts that were opened recently.
4. Date your oldest bankcard or revolving account opened is not too recent.
NEGATIVE ACCOUNT FACTORS AS REPORTED BY TRANUNION : XX/XX/XXXX 1. The date that you opened your oldest account is too recent.
2. Lack of sufficient credit history.
3. Lack of sufficient relevant real estate account information.
4. The balances on your accounts are too high compared to loan amounts ( ANNOTATION : in conflict with statement 4 in Positive Account Factors ) CREDIT PROFILE [ ALLEGEDLY ] AS REPORTED BY TRANSUNION TO XXXX XXXX XXXX : XX/XX/XXXX Allegedly, this information was furnished electronically from the Transunion credit bureau ( ANNOTATION : none of the other creditors have any reference of such a report, nor does Transunion validate these claims. Creditor refuses to produce documentation from credit bureau sufficiently demonstrating the following information ).
As per XXXX XXXX, 2 actions were taken against my accountone on XX/XX/XXXX, and one on XX/XX/XXXX. Both actions taken against my account were using credit data that was XXXX days old at the time the action was takencreditor did not request update records form the bureau prior to their determination, and bureau has no record of a request made.
1. As per call on XX/XX/XXXX with XXXX, XXXX of XXXX XXXX XXXX , credit restrictions were taken due to decrease in credit score on my account, despite fraud alert being placed on major credit bureaus on XX/XX/XXXX.
2. As per call on XX/XX/XXXX with XXXX and XXXX, XXXX XXXX of XXXX XXXX XXXX, creditor is unable to provide any details on reporting practice, or credit file number used to make adverse actions as indicated belowthis is our internal process and procedure 3. As per call on XX/XX/XXXX with XXXX, XXXX of XXXX XXXX XXXX ; creditor does a quarterly review of all accounts, and consumer bureau ( Transunion ) will only report to them my consumer file once a monthwe cant control what Transunion tells ussuggesting that Transunion is reporting a consumer file to XXXX XXXX XXXX that is distinctly different from what is reported to other lenders ( XXXX XXXXXXXX, XXXX, XXXX, XXXXetc ).
ADVERSE ACTION TAKEN BY XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX, XXXX XXXX XXXX allegedly received an unsolicited report from Transunion on XX/XX/XXXX citing the reasons below. ( ANNOTATION : Please note that no other creditors have record of this alleged annotation from Transunion ) 2. On XX/XX/XXXX, creditor made an adverse credit limit adjustment based on 60 day old credit reporting datanot current data for month in which the action was taken against the account ( XXXX XXXX
3. Reported credit score XXXX at the time of action taken was XXXX XXXX. Consumer agency failed to report disputed Information Once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. FCRA 623 ( a ) ( 3 ) Cited Reasons for ActionPLEASE NOTE CONSUMER ANNOTATIONS : Number of accounts with delinquency ( ANNOTATION : Number of delinquents accounts has not changed since account first opened XXXX, no delinquency since XX/XX/XXXX, nearly 3 years prior to opening the XXXX was opened, consumer was granted a balance of {$1500.00} ) ; creditor can not explain this and consumer bureau has no reference of it Proportion of balances and credit limits on bank/national revolving or other ( ANNOTATION : Credit utilization from XXXX ( 43 % ) to XXXX ( 38 % ) Revolving accounts is too high ( ANNOTATION : Credit consumed decreased from XXXX ( {$3700.00} ) to XXXX ( {$3000.00} ) ) Length of time revolving accounts have been established ( ANNOTATION : Length of time of revolving accounts has remained consistent since opening of XXXX account XXXX XXXX, no change ) Proportion of loan balances to loan amounts ( ANNOTATION : Loan balances has decreased across loans with XXXX and Auto loans from XXXX XXXX ( {$45000.00} ) to XXXX XXXX ( {$43000.00} ) 3.6 % decrease since start of XXXX account ) ADVERSE ACTION TAKEN BY XXXX XXXX XXXX : XX/XX/XXXX 1. Creditor, XXXX XXXX XXXX allegedly received an unsolicited report from Transunion on XX/XX/XXXX citing the reasons below. ( ANNOTATION : Please note that no other creditors have record of this alleged annotation from Transunion ) 2. On XX/XX/XXXX, creditor made an adverse credit limit adjustment based on 60 day old credit reporting datanot current data for month in which the action was taken against the account ( XXXX ).
3. Creditor has accused Transunion of only providing quarterly reports, and will not furnish current, relevant data ( REFERENCE : consumer spoke to creditor and Transunion Representatives on XX/XX/XXXX and XX/XX/XXXX ) 4. Reported Credit score at time of action was XXXX pt increase from the prior month.
Cited Reasons for Adverse ActionPLEASE NOTE CONSUMER ANNOTATIONS : Number of accounts with delinquency ( ANNOTATION : Number of delinquent accounts has not changed since account first opened XXXX, no delinquency since XX/XX/XXXX, nearly 3 years prior to opening the XXXX account, and granted balance of {$1500.00} ) Proportion of balances and credit limits on bank/national revolving or other ( ANNOTATION : Credit utilization from XXXX ( 35 % ) to XXXX XXXX 18 % ) ) Revolving accounts is too high ( ANNOTATION : Credit consumed decreased from XXXX ( {$2400.00} ) to XXXX ( {$1700.00} ). Overall delta from start of the account to XXXX is a revolving account DECREASE 53.28 % Length of time revolving accounts have been established ( ANNOTATION : Length of time of revolving accounts has remained consistent since opening of XXXX account XXXX XXXX, no change ) Proportion of loan balances to loan amounts ( ANNOTATION : Loan balances has decreased across loans with XXXX and Auto loans from XXXX XXXX ( {$45000.00} ) to XXXX XXXX ( {$43000.00} ) 3.6 % decrease since start of XXXX account ) Credit reporting agencies can not supply your credit report to anyone who does not have a legitimate need for it, including creditors, landlords, and employers. A potential or current employer can not obtain my credit report unless I consent to its disclosure. In most cases, that consent must be given in writing.
In some cases there could have been a data breach that caused my information to be stolen. Data brokers regularly violate the FCRA by providing consumer reports to employers and landlords without verifying that the person or business making the request is entitled to receive the report.
In summary, the most egregious violation by XXXX XXXX and XXXX XXXX, is using outdated credit report data to make real-time, live decisions about creditworthiness. Transunion is complicit in this, by providing to the creditor [ ALLEGEDLY ] only quarterly based reports, which are bespoke, tailored to the creditor, and negative reflecting creditworthinessdepicting one view of creditworthiness to the consumer, and another to the creditor.
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| 08/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed several disputes to Transunion via the CFPB as well as directly to Transunion. The dates of those disputes are as allow ; XX/XX/22 via the CFPB, XX/XX/22 via the CFPB, XX/XX/22 via the CFPB, via letter dated XX/XX/22 mailed XXXX directly to Transunion XXXX priority mail with tracking ; which was delivered on XX/XX/22 at XXXX. While some inaccuracies have been deleted ; there are others they continue to state it was verified but failed to produce proof of said verification. This is a direct violation of my rights per Fair Credit Reporting Act, Section 611 ( a ) ( 1 ) ( A ), they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. They have failed to do so on each occasion as they have investigated, reinvestigated, reinvestigated their reinvestigations. All which are a violation of my rights. I am including all the laws which cover my rights that were violated. According to 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ; The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
In each of the complaints filed with the CFPB I have included a statement and have heard nothing from anyone as the CFPB closes the case and moves on. This is a direct violation of my right to ( b ) Statement of dispute If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumers statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer report for any other purpose, which contained the deleted or disputed information.
Base on the 15 U.S. Code 1681a definition of investigative consumer report the credit agency has failed to conduct a proper investigation ; which is a direct violation of my rights.
15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681l states there should be no adverse information in the consumer report. Each item I have disputed had been noted on my credit report and has raised red flags for those who have ran my credit report and have been told as much.
15 U.S. Code 1681l - Restrictions on investigative consumer reports Whenever a consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished.
I am requesting the accounts be deleted and I be compensated for all the damages cause by the inaccurate accounts not being deleted ; as permitted by law.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Should be I forced to seek legal action I am requesting my legal counsel be coved the credit agency.
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
I am also including copies of the credit reports from XXXX through XXXX to show the accounts continue to have inaccuracies even though they claim to been verified with the furnishers. This again is a violation of my rights.
The List of accounts below has violated my federally protected consumer rights to privacy, confidentiality, accurate reporting, proper investigation, and proper notification under 15 USC 1681.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I, ( XXXX XXXX XXXX ) in natural person, creditor, and consumer status MAKE OATH AND SAY THAT : I CONDITIONALLY accept this offer upon proof of claim that you can provide the original charging instrument for this account. Pursuant to the Uniform commercial Code you must be the holder of due course of the original charging instrument otherwise you may not make a presentment, if you can provide the original charging instrument, I would gladly pay this balance also, I conditionally accept this offer upon proof of claim you provide the 1099 OID that shows who the recipient of the funds are and who the issuer of the funds are because it is to my knowledge that I am the issuer of said funds.
I am providing this statement pursuant to 15 U.S. Code 1692a ( 3 ) consumer means any natural person obligated or allegedly obligated to pay any debt. Also pursuant to 15 U.S. Code 1681c-2 Block of information resulting from identity theft sent to, DEMAND FOR REMOVAL PURSUANT TO THE FAIR CREDIT REPORTING ACT 15 U.S. CODE 1681 1681i XXXX XXXX XXXX I ask for a debt validation witch they failed to provide.
XXXX XXXX XXXX is reporting incorrect INFORMATION XXXX XXXX XXXX is report a fraudulent information on my credit files CREDIT INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Pursuant to 15 U.S. Code 1681 ( a ) ( 1 ) ( 3 ) ( 4 ) The Congress found that inaccurate credit reports directly impairs the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ; 2. The Congress has stated that you, ( Bureau Name Here ) are a scam pursuant to 15 U.S. Code 1681 ( 2 ) which states : An elaborate mechanism has been developed for investigating and evaluating consumer credit worthiness, credit standing, credit capacity, character, and general reputation of consumers ; 3. The Congress has also stated that you ( Bureau Name Here ) are assuming a vital role in assembling and evaluating consumer credit Pursuant to 15 U.S. Code 1681 ( 3 ). Therefor youre only making pretend youre important or have a vital role without any proof ; 4. Furthermore, The Congress has stated Pursuant to 15 U.S. Code 1681 ( 4 ) that there is a need to insure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to privacy. By you reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of this law and The Privacy Act of 1974 ; 5. Notice that Pursuant to 15 U.S. Code 1681 ( b ) The Congress requires that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, and other information in a manner which is fair and equitable to the consumer with regard to the confidentiality, accuracy, relevancy and proper utilization of such information. You, ( Bureau Name Here ) are not meeting my needs as a consumer or being fair and equitable by reporting inaccuracies on my consumer file ; 6. Pursuant to 15 U.S. Code 1681a ( d ) the term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness ; 7. Take further notice that Pursuant to 15 U.S. Code 1681a ( 2 ) ( A ) ( i ) you ( Bureau Name Here ) are violation of this law as it clearly states that any report containing information solely as to transactions or experiences between the consumer and the person making the report which in this case is you ( Bureau Name Here ) is excluded from the consumers report ; 8. Notice that you ( Bureau Name Here ) are also in violation of 15 U.S. Code 1681a ( 2 ) ( B ) which states any authorization or approval of a specific extension of credit indirectly by the issuer of a credit card. You are reporting multiple accounts on my consumer report in direct violation of this Code ; 9. You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; 10. Take further notice that Pursuant to this same mentioned code stated above 15 U.S. Code 1681a ( e ) there shall not be any specific factual information on a consumers credit record obtained directly from a creditor as the term creditor means the same as it does in 15 U.S. Code 1691a ( e ) which states that the term creditor means any person who regularly extends credit which in this case that would be me a consumer ; 11. As a consumer I demand you remove the accounts listed below Pursuant to 15 U.S. Code 1681b ( a ) ( 2 ) which comprehensibly states that the only permissible purposes of consumer reports by any consumer reporting agency may furnish a consumer report only under the following circumstances and no other and is in accordance with the written instructions of the consumer to whom it relates ; TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
TERMS DEFINED PURSUANT TO 15 U.S. CODE 1681a The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( b ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored.
The term credit card has the same meaning as in section 1602 of this title.
The term financial institution means a State or National bank, a State or Federal savings and loan association, a mutual savings bank, a State or Federal credit union, or any other person that, directly or indirectly, holds a transaction account ( as defined in section 461 ( b ) of title 12 ) belonging to a consumer.
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| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per the FCRA as federally protected consumer. My privacy rights were violated under The Privacy Act of XXXX by Transunion, XXXX, and XXXX. Its illegal to report transactions on my credit report. These XXXX reporting agencies also refused to update my personal information. The in accuracy of the accounts that are on my report that Trans Union XXXX and XXXX XXXX they verified have XXXX match dates for when account was open, closed last reported etc. Also I was never given the option to opt out of anything that is on my credit report. By law that was supposed to be given to me. They refused to obey the law. These are some of my rights that were violated but not all 15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
16 CFR 433.1 Definitions.
( a ) Person. An individual, corporation, or any other business organization.
( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.
( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.
( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement.
( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.
( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.
( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers 16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, 16 CFR 433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of XXXX ( a ).
( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.
( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1.
( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.
( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contractall legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract.
16 CFR 313.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
( b ) Scope. This part applies only to nonpublic personal information about individuals who obtain financial products or services primarily for personal, family or household purposes from the institutions listed below. This part does not apply to information about companies or about individuals who obtain financial products or services for business, commercial, or agricultural purposes. This part applies to those financial institutions over which the Federal Trade Commission ( Commission ) has rule making authority pursuant to section 504 ( a ) ( 1 ) ( C ) of the Gramm-Leach-Bliley Act. An entity is a financial institution if its business is engaging in an activity that is financial in nature or incidental to such financial activities as described in section 4 ( k ) of the Bank Holding Company Act of XXXX, 12 U.S.C. 1843 ( k ), which incorporates activities enumerated by the Federal Reserve Board in 12 CFR 225.28 and 225.86. The financial institutions subject to the Commission 's rule making authority are any persons described in 12 U.S.C. 5519 that are predominantly engaged in the sale and servicing of motor vehicles, the leasing and servicing of motor vehicles, or both. They are referred to in this part as You. Excluded from the coverage of this part are motor vehicle dealers described in 12 U.S.C. 5519 ( b ) that directly extend to consumers retail credit or retail leases involving motor vehicles in which the contract governing such extension of retail credit or retail leases is not routinely assigned to an unaffiliated third party finance or leasing source.
16 CFR 313.2 Model privacy form ( a ) Model privacy form. Use of the model privacy form in appendix A of this part, consistent with the instructions in appendix A, constitutes compliance with the notice content requirements of 313.6 and 313.7of this part, although use of the model privacy form is not required.
16 CFR 313.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, if you make such a disclosure other than as authorized by 313.14 and 313.15.
( b ) When initial notice to a consumer is not required. You are not required to provide an initial notice to a consumer under paragraph ( a ) of this section if : ( 1 ) You do not disclose any nonpublic personal information about the consumer to any nonaffiliated third party, other than as authorized by 313.14 and 313.15 ; and ( 2 ) You do not have a customer-relationship with the consumer.
( c ) When you establish a customer relationship ( 1 ) General rule. You establish a customer relationship when you and the consumer enter into a continuing relationship.
( 2 ) Special rule for loans. You establish a customer relationship with a consumer when you originate a loan to the consumer for personal, family, or household purposes. If you subsequently transfer the servicing rights to that loan to another financial institution, the customer-relationship transfers with the servicing rights.
( 3 ) Examples ( i ) Examples of establishing a customer relationship. You establish a customer relationship when the consumer : ( A ) Executes the contract to obtain credit from you or purchase insurance from you; or ( B ) Executes the lease for personal property with you.
( ii ) Examples of loan rule. You establish a customer relationship with a consumer who obtains a loan for personal, family, or household purposes when you : ( A ) Originate the loan to the consumer and retain the servicing rights; or ( B ) Purchase the servicing rights to the consumer 's loan.
( d ) Existing customers. When an existing customer obtains a new financial product or service from you that is to be used primarily for personal, family, or household purposes, you satisfy the initial notice requirements of paragraph ( a ) of this section as follows : ( 1 ) You may provide a revised privacy notice, under 313.8, that covers the customer 's new financial product or service; or ( 2 ) If the initial, revised, or annual notice that you most recently provided to that customer was accurate with respect to the new financial product or service, you do not need to provide a new privacy notice under paragraph ( a ) of this section.
( e ) Exceptions to allow subsequent delivery of notice ( 1 ) General. You may provide the initial notice required by paragraph ( a ) ( 1 ) of this section within a reasonable time after you establish a customer relationship if : ( i ) Establishing the customer-relationship is not at the customer 's election; or ( ii ) Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction and customer agrees to receive the notice at a later time.
( 2 ) Examples of exceptions ( i ) Substantial delay of customer 's transaction. Providing notice not later than when you establish a customer relationship would substantially delay the customer 's transaction when you and the individual agree over the telephone to enter into a customer-relationship involving prompt delivery of the financial product or service.
( ii ) No substantial delay of customer 's transaction. Providing notice not later than when you establish a customer-relationship would not substantially delay the customer 's transaction when the relationship is initiated in person at your office or through other means by which the customer may view the notice, such as through a website.
( f ) Delivery. When you are required to deliver an initial privacy notice by this section, you must deliver it according to 313.9. If you use a short-form initial notice for non-customers according to 313.6 ( d ), you may deliver your privacy notice according to 313.6 ( d ) ( 3 ).
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| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX.My only address is : XXXX XXXX XXXX, XXXX XXXX, California XXXX. I have provided a copy of my identification documents for you to verify my social security numbers. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY, DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my XXXX, Transunion and XXXX Credit Report.
Inquiries incorrectly reporting : XXXX. This inquiry was not authorized : XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report.
XXXX. This inquiry was not authorized : XXXX XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report.
XXXX. This inquiry was not authorized : XXXX XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report.
XXXX. This inquiry was not authorized : XXXX XXXX XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report.
XXXX. This inquiry was not authorized : XXXX XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report.
XXXX. This inquiry was not authorized : XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report.
XXXX. This inquiry was not authorized : XXXX XXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report.
XXXX. This inquiry was not authorized : XXXX XXXXXXXX Date of inquiry XX/XX/XXXX. Please remove this incorrect information from my credit report.
XXXX. This inquiry was not authorized : XXXXXXXX XXXX Date of inquiry XX/XX/XXXX AND XX/XX/XXXX. Please remove this incorrect information from my credit report.
- To Whom It May Concern, In the course of recently screening my personal XXXX credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT : XXXX XXXXXXXX XXXX XXXX - {$330.00} delinquency -- This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. -- - XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX XXXX- {$5500.00} Delinquency -This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. -- - XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. - XXXX XXXX XXXX - {$5000.00} Delinqency -- This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUN : XXXX XXXX XXXX {$150.00} Delinquency - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. - XXXX XXXXXXXX - {$280.00} Delinquency. This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX / XXXXXXXX XXXX XXXX $ XXXX BALANCE, but showing delinquent -This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX XXXX {$380.00} Delinquency -This account that is being reported negatively and does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX XXXX XXXX XXXX - {$0.00} balance but showing Delinquent -This account that is being reported negatively and does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACOUNT : XXXX XXXX XXXX XXXX- {$6600.00} Delinquency -This account that is being reported negatively and does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT : XXXX XXXX XXXX {$0.00} balance But reporting Derogatory - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last XXXX of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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name is XXXX XXXX XXXX reached out to XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity XXXX XXXX XXXX commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX then XXXX you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the XXXX XXXX Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt Experian/Transunion/Equifax are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, BBB complaint XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Ive sent out multiple FTC reports BBB reports California consumer protection and innovation complaints as well XXXX a California state XXXX Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts XXXX blocked under XXXX XXXX code XXXX XXXX of information resulting from identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX PL XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation XXXX the United States in accordance with XXXX U.S.C XXXX and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT XXXX XXXX THIS XXXX XXXX guilty and in violation of the False Claims Act ( XXXX ) XXXX XXXX XXXX. ( XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX the XXXX FTC XXXX Federal Trade Commission for XXXX XXXX XXXX and XXXX. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims XXXX be XXXX XXXX Code XXXX XXXX Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section ; XXXX XXXX Code XXXX - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX DATA SOLUTIONS XXXX XXXX the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter XXXX be tendered as evidence of failure to comply.ALSO XXXX XXXX XXXX XXXX - XXXX of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( XXXX ) that the information XXXX be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( XXXX XXXX Social Security XXXX and anything purchased with that identifying number is an obligation of the United States in accordance with XXXX XXXX XXXX and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( XXXX ) XXXX U.S.C XXXX. ( XXXX Collector name is also in violation of XXXX XXXX XXXX for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/EQUIFAX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with XXXX U.S.C XXXX A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX Concrete F.C.U v. XXXX, XXXX XXXX. XXXX, XXXX P. XXXX XXXX ( XXXX ), XXXX XXXX Hawaii XXXX XXXX v. XXXX XXXX XXXX XXXX, XXXX Hawaii XXXX, ( Hawaii XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX XXXX ), and Town of XXXX XXXX XXXX Shores XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Conn.l ( XXXX ). and XXXX v. Godbole, XXXX XXXX. App. XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX ( XXXX. XXXX ). XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) XXXX XXXX XXXX XXXX ( a ) ( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the XXXX above. My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. XXXX demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. XXXX XXXX XXXX XX/XX/XXXX XXXX SYNCB/LIVING SPACES XXXX XX/XX/XXXX SYNCB/RHEEM XXXX XX/XX/XXXX ADS/COMENITY/SMILEGENFIN XXXX XX/XX/XXXX CAPITAL XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX INQUIRIES NAME DATE CAP XXXX NA NCCINC/LEXUS OF XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX DATE CAP XXXX NA NCCINC/LEXUS OF XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX Fraudulent XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX GOLD XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX UNIT XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CORONA, CA XXXX XXXX XXXX XXXX PL XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TOTAL ACCOUNTS : XXXX XXXX XXXX OPEN ACCOUNTS : XXXX XXXX XXXX CLOSED ACCOUNTS : XXXX XXXX XXXX DELINQUENT : XXXX XXXX XXXX DEROGATORY : XXXX XXXX XXXX BALANCES : XXXX XXXX XXXX PAYMENTS : XXXX XXXX XXXX PUBLIC RECORDS XXXX XXXX XXXX XXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX High Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Removal XXXX XXXX XXXX XXXX XXXX XXXX XXXX from Credit Report Dear Sir/Madam, I hope this letter finds you well. I am writing to request the removal of a time share from XXXX XXXX XXXX XXXX that is currently appearing on my credit report. I believe this entry is in violation of consumer protection laws and should be removed immediately.
I would like to provide some background information regarding this matter. In XX/XX/XXXX I attended a presentation by XXXX XXXX XXXX XXXX, during which I was persuaded to purchase a time share. However, I later discovered that the sales practices employed were deceptive and misleading, and the terms and conditions of the contract were misrepresented.
As a consumer, I have the right to accurate and truthful information when making a financial decision. The sales practices employed by XXXX XXXX XXXX XXXX violated these rights and are in violation of consumer protection laws, including but not limited to 1. Cooling-Off Period : Many jurisdictions provide consumers with a limited time, typically several days, after signing a timeshare contract to cancel it without any penalty. This is often known as the cooling-off period.
2. Contract Rescission : Some laws may allow consumers to rescind a timeshare contract within a specific timeframe after the purchase, even beyond the cooling-off period. The process and time limits for rescission can differ based on the jurisdiction.
3. Timeshare Exit Companies : Some regions have enacted laws or regulations to address issues related to timeshare exit companies, which are businesses claiming to help owners get out of their timeshare contracts. These laws aim to protect consumers from deceptive practices.
4. Disclosures and Transparency : Consumer protection laws may require timeshare sellers to provide clear and comprehensive information about the terms, costs, and obligations associated with the timeshare before the purchase.
5. Misrepresentation and Fraud : Laws may be in place to protect consumers from fraudulent or deceptive practices by timeshare developers or sales representatives.
Therefore, I kindly request that you initiate an investigation into this matter and remove the entry related to the XXXX XXXX XXXX XXXX XXXX XXXX from my credit report. I believe this action is warranted based on the following grounds : 1. Misrepresentation of contract terms and conditions. 2. Deceptive sales practices employed during the presentation. 3. Violation of consumer protection laws. I have enclosed copies of any supporting documentation that substantiates my claims, including within a week of signing documents for the timeshare. I realize that I was being completely scammed the points that I was given and had to pay {$250.00} for I was out of those points by the time I booked a vacation the next day. I then reached out to my sales representative and told her that I no longer wanted my contract and nothing was ever done about it. They just kept sending me out bills each month, I even spoke to someone in the customer relations department in regards to canceling the account and they told me that that was not an option but due to consumer loans I was aware that 1. Cooling-Off Period
: Many jurisdictions provide consumers with a limited time, typically several days, after signing a timeshare contract to cancel it without any penalty. This is often known as the cooling-off period.
2. Contract Rescission : Some laws may allow consumers to rescind a timeshare contract within a specific timeframe after the purchase, even beyond the cooling-off period. The process and time limits for rescission can differ based on the jurisdiction. 3. Timeshare Exit Companies : Some regions have enacted laws or regulations to address issues related to timeshare exit companies, which are businesses claiming to help owners get out of their timeshare contracts. These laws aim to protect consumers from deceptive practices. 4. Disclosures and Transparency : Consumer protection laws may require timeshare sellers to provide clear and comprehensive information about the terms, costs, and obligations associated with the timeshare before the purchase. 5. Misrepresentation and Fraud : Laws may
be in place to protect consumers from fraudulent or deceptive practices by timeshare developers or sales representatives.
I request that you provide written confirmation once the investigation is complete and the time share entry has been removed from my credit report. Please ensure that this information is also forwarded to any third-party entities that have received my credit report recently.
Thank you for your attention to this matter. I trust that you will conduct a thorough investigation and take the necessary steps to rectify this situation. Should you require any additional information, please do not hesitate to contact me at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Yours sincerely, XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX High Balance XXXX {$0.00} XXXX XXXX Account Name XXXX XXXX XXXX Account # XXXX XXXX High Balance XXXX {$140.00} XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX High Balance XXXX {$1400.00} XXXX Account Name XXXX XXXX Account # XXXX XXXX High Balance XXXX {$14000.00} XXXX XXXX Account Name XXXX XXXX XXXX Account # XXXX XXXX High Balance : {$85.00} XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account # XXXX XXXX High Balance XXXX {$9400.00} To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful noncompliance. For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, Section 609
( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau {
s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal
obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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The company continues to violate my consumer rights and also re inserting account they have removed from my credit file and then act like they are new to report negative information. 15 US Code 1681b ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) Conditions for furnishing and using consumer reports for employment purposes ( 1 ) Certification from user A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) Disclosure to consumer ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar means If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) Scope Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) Exception for national security investigations ( A ) In general In the case of an agency or department of the United States Government which seeks to obtain and use a consumer report for employment purposes, paragraph ( 3 ) shall not apply to any adverse action by such agency or department which is based in part on such consumer report, if the head of such agency or department makes a written finding that ( i ) the consumer report is relevant to a national security investigation of such agency or department ; ( ii ) the investigation is within the jurisdiction of such agency or department ; ( iii ) there is reason to believe that compliance with paragraph ( 3 ) will ( I ) endanger the life or physical safety of any person ; ( II ) result in flight from prosecution ; ( III ) result in the destruction of, or tampering with, evidence relevant to the investigation ; ( IV ) result in the intimidation of a potential witness relevant to the investigation ; ( V ) result in the compromise of classified information ; or ( VI ) otherwise seriously jeopardize or unduly delay the investigation or another official proceeding.
( B ) Notification of consumer upon conclusion of investigation Upon the conclusion of a national security investigation described in subparagraph ( A ), or upon the determination that the exception under subparagraph ( A ) is no longer required for the reasons set forth in such subparagraph, the official exercising the authority in such subparagraph shall provide to the consumer who is the subject of the consumer report with regard to which such finding was made ( i ) a copy of such consumer report with any classified information redacted as necessary ; ( ii ) notice of any adverse action which is based, in part, on the consumer report ; and ( iii ) the identification with reasonable specificity of the nature of the investigation for which the consumer report was sought.
( C ) Delegation by head of agency or department For purposes of subparagraphs ( A ) and ( B ), the head of any agency or department of the United States Government may delegate his or her authorities under this paragraph to an official of such agency or department who has personnel security responsibilities and is a member of the Senior Executive Service or equivalent civilian or military rank.
( D ) Definitions For purposes of this paragraph, the following definitions shall apply : ( i ) Classified information The term classified information means information that is protected from unauthorized disclosure under Executive Order No. 12958 or successor orders.
( ii ) National security investigation The term national security investigation means any official inquiry by an agency or department of the United States Government to determine the eligibility of a consumer to receive access or continued access to classified information or to determine whether classified information has been lost or compromised.
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX The following personal information is incorrect XXXX : XXXX XXXX XXXX. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 4. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 5. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 6. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX XXXX Date of inquiry : XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 7. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX Date of inquiry : XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 8. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX Date of inquiry : XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 9. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 10. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give XXXX permission to furnish this information.
XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 11. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 12. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 13. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX Date of inquiry : XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 14. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 15. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 16. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 17. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 18. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 19. I did not authorize anyone employed by these companies to make any inquiry and view my consumer report. Additionally I did not give YOU permission to furnish this information.
XXXX XXXX Date of inquiry : XX/XX/XXXX Produce documentation bearing my wet ink signature for these inquiries or DELETE IMMEDIATELY - Pursuant FCRA Act 611 & Credit Reporting Act Section 1681b ( c ) 20. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX XXXX XXXX Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 21. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX XXXX XXXX Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 22. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX XXXX XXXX Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 23. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX XXXX XXXX Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 24. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 25. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX XXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 26. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 27. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX XXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 28. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX XXXXXXXX Account XXXX : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA 29. THIS ACCOUNT IS REPORTING INACCURATELY ON MY CONSUMER REPORT. Please provide original documentation bearing my wet ink signature as evidence of my obligation to this inaccurate account.
XXXX XXXX XXXX Account Number : XXXX In absence of the original documentation required to validate this alleged account. Please DELETE IMMEDIATELY! -Pursuant to the FCRA & FDCPA By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within 30 days of receipt of this letter. I request/require this investigation to include the following : 1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
2.What certified documents were reviewed to conclude your investigation?
3.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
4.What did it cost your company to obtain the documents needed to complete your investigation?
5.Please provide proof of your timely procurement of certified documents.
6.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
7.If yes to above : a.Who did you speak to?
b.On what date?
c.How long was the conversation?
d.What was their position?
e.What telephone number did you call?
f. What is the name of the employee of your company that spoke directly to the above party?
g.What is the position of the employee of your company that spoke directly to the above party?
h.How long has that employee been employed by your company?
i.What formal training was provided to this employee to investigate items of this kind? j.Was there any e-mail or written communication between members of your company and the above party?
8.If so, please provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10.Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
Sincerely, XXXX XXXX
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| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to dispute inaccurate information that has been reported on my credit report by the creditor XXXX XXXX ( account number XXXX ). I believe that this creditor has violated several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, the following violations have occurred : Section 607 ( b ) of the FCRA requires that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. In this case, TransUnion has reported that my account type with XXXX XXXX was a revolving account, but the monthly payment was {$0.00}, which does not accurately reflect the account.
Section 623 ( a ) ( 2 ) ( A ) of the FCRA requires that credit reporting agencies investigate disputed information and delete or correct any inaccurate or incomplete information within 30 days. I have disputed this inaccurate information with TransUnion, but the incorrect reporting by XXXX XXXX has not been corrected.
Section 312 ( a ) ( 1 ) of FACTA requires that furnishers ( creditors ) of information to credit reporting agencies ensure the accuracy of the information they provide. In this case, XXXX XXXX has not reported accurate information to TransUnion, which has resulted in an inaccurate credit report.
According to my credit reports from TransUnion, XXXX, and XXXX, there are several inconsistencies and errors regarding my account with XXXX XXXX ( XXXX ).
TransUnion and XXXX reported that the account type was an installment account, while XXXX reported it as an auto loan. Additionally, TransUnion and XXXX reported a monthly payment of {$0.00} and a balance of {$0.00}, while XXXX did not report any monthly payment or balance. Furthermore, TransUnion reported a credit limit of {$0.00}, while XXXX and XXXX did not report any credit limit.
These conflicting and inconsistent reports are inaccurate and may negatively impact my credit score and ability to obtain credit. As a consumer, I have the right to accurate and complete information on my credit report.
I believe that XXXX XXXX may have provided inaccurate information to the credit reporting agencies, violating Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. Additionally, XXXX XXXX may have violated Section 623 ( a ) ( 2 ) ( A ) of the FCRA, which requires credit reporting agencies to investigate disputed information and correct any inaccurate or incomplete information within 30 days. Finally, XXXX XXXX may have violated Section 312 ( a ) ( 1 ) of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires furnishers of information to credit reporting agencies to ensure the accuracy of the information they provide.
XXXX XXXX The account number in question is XXXX. According to TransUnion and XXXX, the account type was reported as an installment account, while XXXX reported it as a recreational merchandise account. Additionally, TransUnion reported a monthly payment and balance of {$0.00}, while XXXX and XXXX did not report this information at all. Furthermore, the last reported date was inconsistent across the credit reporting agencies, with TransUnion and XXXX reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX.
These discrepancies have caused significant harm to my credit score and ability to obtain credit. I have experienced firsthand the negative impact that inaccurate credit reporting can have on one 's life. Due to these errors, I have been denied credit and suffered higher interest rates on loans and credit cards, resulting in additional financial burdens that I can not afford.
I would like to request that you enforce the legal provisions under Section 607 ( b ) and 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act to ensure that this inaccurate information is corrected or deleted from my credit report within 30 days. I also request that XXXX XXXX XXXX remove this unverified account from my credit report, as they have failed to provide accurate and complete information to the credit reporting agencies.
XXXX XXXX XXXX XXXX XXXX The credit reporting agencies, specifically Transunion and XXXX, have reported conflicting information regarding the account type and payment details. I believe that XXXX XXXX may have provided inaccurate information, which has affected my credit score and my ability to obtain credit.
According to Transunion, the account type is a revolving account, while XXXX reported it as a charge card. Additionally, Transunion reported a monthly payment of {$0.00}, while XXXX did not report any payment information. The last reported date also varies between the two agencies, with Transunion reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX.
This inconsistent reporting is inaccurate and has had a significant impact on my life. Due to this inaccurate information, I have been denied credit and have had difficulty securing loans for important purchases, such as a car or a home. As a result, I have had to put off important life events and delay my plans for the future.
I believe that XXXX XXXX has violated Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. Additionally, Section 623 ( a ) ( 2 ) ( A ) of the FCRA requires credit reporting agencies to investigate disputed information and delete or correct any inaccurate or incomplete information within 30 days. If the consumer has disputed this inaccurate information with the credit reporting agencies and they have failed to investigate or correct the information within 30 days, they may be in violation of this provision.
XXXX XXXX XXXX XXXX ( XXXX ) Specifically, I am concerned about the inaccuracies in the account type, monthly payment, and payment status being reported by TransUnion and XXXX.
According to TransUnion, the account type for XXXX XXXX XXXX XXXX is listed as an installment account, while XXXX lists it as a recreational merchandise account. Additionally, TransUnion reports a monthly payment of {$0.00}, while XXXX does not report any monthly payment information. This conflicting information is causing confusion and negatively impacting my credit score.
Furthermore, TransUnion reports an " Unrated '' payment status for XXXX XXXX XXXX XXXX, while XXXX reports a bankruptcy status. I have not declared bankruptcy, and this inaccurate reporting could have serious consequences for my financial future.
As a consumer, I have the right to accurate information on my credit report. These inaccuracies are not only affecting my ability to obtain credit but are also causing me significant stress and XXXX I have been working hard to improve my credit score, and these inaccurate reports are undoing my efforts.
Therefore, I am requesting that XXXX XXXX XXXX XXXX and the credit reporting agencies take immediate action to investigate and correct these inaccuracies. Under Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. The conflicting information being reported by TransUnion and XXXX is a clear violation of this provision.
XXXX XXXX XXXX ( XXXX ) has reported to the credit reporting agencies regarding my account. The inaccuracies in the reporting have negatively affected my credit score and my ability to obtain credit.
According to TransUnion, the account type and detail date were reported as an installment account, while XXXX reported it as an auto loan. Additionally, TransUnion reported the monthly payment as {$0.00}, but XXXX did not report any payment information. Furthermore, TransUnion reported the balance as {$0.00}, but XXXX did not report the balance at all. There is also a discrepancy in the last reported date, with TransUnion reporting XX/XX/XXXX, while XXXX reported XX/XX/XXXX.
These discrepancies are in violation of Section 607 ( b ) of the Fair Credit Reporting Act, which requires that credit reporting agencies maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report. The inaccuracies in the reporting can be considered inaccurate and may impact my credit score and ability to obtain credit. XXXX XXXX XXXX may have provided inaccurate information to the credit reporting agencies, and I request that they correct this information immediately.
I am also invoking my rights under Section 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act, which requires that credit reporting agencies investigate disputed information and delete or correct any inaccurate or incomplete information within 30 days. If the credit reporting agencies failed to investigate or correct the information within 30 days, they may be in violation of this provision.
Furthermore, I believe that XXXX XXXX XXXX may be in violation of Section 623 ( a ) ( XXXX ) ( A ) of the Fair Credit Reporting Act, which requires that credit reporting agencies provide notice of a dispute to the furnisher of the disputed information. If the credit reporting agencies failed to provide notice of the dispute to XXXX XXXX XXXX, they may be in violation of this provision.
XXXX, specifically account number XXXX. There are several violations of the Fair Credit Reporting Act ( FCRA ) that I have identified, which I believe are impacting my ability to obtain credit and negatively affecting my life.
According to TransUnion, the account type for this account is listed as a revolving account, while XXXX lists it as a charge card. Additionally, TransUnion reports a monthly payment of {$0.00}, while XXXX does not report any monthly payment information. Finally, TransUnion lists the balance as {$0.00}, while XXXX does not list any balance information. These conflicting and inaccurate pieces of information can be considered as violations of Section 607 ( b ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information in a consumer 's credit report.
Furthermore, I have disputed this inaccurate information with the credit reporting agencies and they have failed to investigate or correct the information within 30 days, which is a violation of Section 623 ( a ) ( 2 ) ( A ) of the FCRA. Additionally, the credit reporting agencies may have violated Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires them to provide notice of a dispute to the furnisher of the disputed information.
Finally, there is inconsistency between TransUnion and XXXX regarding the payment status of the account. TransUnion reports an unrated or bankruptcy payment status, while XXXX reports that the debt was included in or XXXX through XXXX XXXX XXXX, XXXX, or XXXX. This may be a violation of Section 605 ( a ) ( 4 ) of the FCRA, which requires credit reporting agencies to indicate the fact of bankruptcy in the consumer 's credit report.
XXXX XXXX XXXX, account number XXXX.
The inaccurate information is regarding the account type, monthly payment, balance, and last reported date. TransUnion is reporting that the account type was a revolving account, while XXXX is reporting that it was a charge card. Additionally, TransUnion is reporting a monthly payment of {$0.00} and a balance of {$0.00}, while XXXX did not report this information. Finally, there is a discrepancy in the last reported date, with TransUnion reporting XX/XX/XXXX and XXXX reporting XX/XX/XXXX.
These inaccuracies can impact my XXXX XXXX and ability to obtain credit. As such, I would like to request that XXXX XXXX XXXX be required to remove these unverified collection accounts from my credit report.
Furthermore, I believe that these inaccuracies are a violation of Section 607 ( b ) - Accuracy of Information, Section 623 ( a ) ( 2 ) ( A ) - Duty to Correct and Delete Inaccurate Information, and Section 623 ( a ) ( 1 ) ( A ) - Requirement to Provide Notice of Dispute of the Fair Credit Reporting Act.
I have previously disputed this information with the credit reporting agencies, but they have failed to investigate or correct the information within 30 days, which is a violation of Section 623 ( a ) ( 2 ) ( A ).
These inaccuracies have had a significant negative impact on my life. I have been denied credit and loans, and my interest rates have been significantly higher than they should have been. This has caused me a great deal of stress and financial hardship.
Sincerely, XXXX XXXX
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| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
TRANS UNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act TRANS UNION XXXXXXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
TRANS UNION XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act TRANS UNION XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, PA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
TRANS UNION XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act TRANS UNION XXXX XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX Location XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX Account, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, CA XXXX Phone Phone number not available In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX via XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX In accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX Phone ( XXXX ) XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, IL XXXX Phone ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Requested by : XXXX Requested on : XX/XX/XXXX Credit Inquiries in the Last Year : 2 Credit Inquiries in the Last 3 Years : 4 XXXX XXXX XXXX XXXX XXXX XXXX 3 Years : 4 In accordance with the Fair Credit Reporting act XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
1. The following personal information is incorrect Account Number : DATE OF BIRTH : 1995 2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
20. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
21. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
23. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
24. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MOT Date of inquiry : XX/XX/XXXX Delete this account.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CPS Date of inquiry : XX/XX/XXXX Delete this account.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
44. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MOT Date of inquiry : XX/XX/XXXX Delete this account.
45. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX F Date of inquiry : XX/XX/XXXX Delete this account.
46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
47. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
48. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
49. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
50. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
51. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
52. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
53. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
54. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
55. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
56. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
57. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
58. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
59. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
60. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
61. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
62. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
63. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
64. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
65. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
66. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
67. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
68. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
69. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
70. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
71. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
72. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
73. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
74. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
75. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
76. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
77. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
79. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
80. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
81. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
82. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
83. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
84. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
85. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
86. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
87. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
88. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
89. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
90. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
91. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
92. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
93. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
94. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
95. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
96. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Regarding my student loans in the year XXXX up until this day of XX/XX/XXXX. Let 's consider deleting these student loans. The following information is to inform and help this investigation.
They show proof of inaccurate reporting from XXXX XXXX XXXX, holding me responsible for payment and why they should be deleted.
On XX/XX/XXXX, I filled out the FSFA application to enroll in the XXXX XXXX XXXX at XXXX XXXX.
I was informed of two student loans, XXXX XXXX with the Department of Education, now XXXX XXXX XXXX.
I would qualify for Federal Student Aid, but I had to consolidate these two outstanding debts in the collection with the Department of Education.
( 1. attachment ) The copy of the ORIGINAL Federal Loan Consolidation Loan Application and Promissory Note that I had signed XX/XX/XXXX, and wrote the amounts of {$1300.00} and {$2000.00} on are the following XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX ( the last four digits of my social security number ) / in the amount of {$1300.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX in the amount of {$2000.00} The account I have with Federal Student Aid is missing this copy. Instead, they have ( 2. attachment ) The Master Promissory Note Code signed electronically on XX/XX/XXXX - without the amounts of the loans that were consolidated.
On the copy of my ( 3. attachment ) Credit Reports from XXXX on XX/XX/XXXX, TransUnion on XX/XX/XXXX, and XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX in the amounts of {$1300.00} or {$2000.00} are not under collections or negative accounts on my XXXX credit reports. They should be, considering they said its in collections.
( 4. attachment ) In my account with Federal Student Aid, the information on these amounts of {$1300.00} and {$2000.00} are XXXX XXXX XXXX XXXX XXXX XXXX The federal student aid disbursed {$0.00} out of {$1300.00} and disbursed {$1.00} out of {$2000.00}.
They canceled these loans of {$1300.00} and {$2000.00} on XX/XX/XXXX Thats why it wasnt on my credit reports.
Instead, the Department of Ed-Direct Loans reported on my credit reports with ( 5. attachment ) XXXX, XXXX, and TransUnion Credit Reports in XXXX The loans listed below are not the original amounts on the consolidation contract. The Department of Education reported the following in XXXX 1. U.S. Dept Of Ed- Direct Loans Date Opened : XX/XX/XXXX Original Amount {$4900.00} Status : Open/Never Late. The deferred payment date is unknown Partial Account # XXXX On XXXX Credit Report in XXXX 2. Dept. of Education - Direct loans Date Opened : XX/XX/XXXX Original Amount {$4500.00} Status : Open/Never Late. The deferred payment date is unknown Partial Account # XXXX XXXX Credit Report in XXXX It totals {$9400.00} inaccurately being reported.
XXXX the United States Government employed me to work at the ( 6. attachment ) XXXX XXXX XXXX - a copy of my XXXX XXXX XXXX XXXX XXXX XXXX signed by the deputy and management, located XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, and you may call to verify my job with XXXX XXXX XXXX XXXX at XXXX. In XXXX I did not attend XXXX XXXX.
( 7. Attachment ) XXXX XXXX Credit Report has payments on loans that dont belong to me, and ( 8. attachment ) XXXX XXXX XXXX XXXX XXXX reporting them.
Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$2800.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$2800.00} out of {$2800.00} Federal Student Aid Loan Balance : {$3500.00} reporting I owe this amount Account Number Ending in XXXX Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$2000.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$2000.00} out of {$2000.00} Federal Student Aid Loan Balance : {$2100.00} reporting I owe this amount Account number ending in XXXX Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$1700.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$0.00} out of {$1700.00} Federal Student Aid Loan Balance : {$2200.00} reporting I owe this amount XXXX XXXX Account Number ending in XXXX Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$2000.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$0.00} out of {$2000.00} Federal Student Aid Loan Balance : {$3400.00} reporting I owe this amount Account Number ending in XXXX Open Date of Loan : XX/XX/XXXX Original Amount Of Loan : {$750.00} Federal Student Aid Disbursed XXXX Federal Student Aid Amount Disbursed : {$0.00} out of {$750.00} Federal Student Aid Loan Balance : {$1300.00} reporting I owe this amount XXXX XXXX Account ending in XXXX ( 8. Attachment ) The XXXX from XXXX XXXX in XXXX is fraudulent information about my attendance, payments, and loans.
XXXX XXXX XXXX Start Date : XX/XX/XXXX Withdrawal Date : XX/XX/XXXX XX/XX/XXXX {$6800.00} XXXX XXXX XXXX XXXX XX/XX/XXXX Pell Grant {$2000.00} XX/XX/XXXX Addl Unsubsidized Loan {$750.00} XX/XX/XXXX Direct Stafford Loan {$1700.00} Direct Unsubsidized Loan {$1900.00} A charge for a program change of {$580.00} LDA XX/XX/XXXX Contract adjustment ( {$1700.00} ) ( XXXX ) XX/XX/XXXX Bad Debt Payment {$100.00} - XX/XX/XXXX Refund Pell Grant for {$1300.00} ) Insufficient Debt Payment : This loan from XXXX made a payment in my name. I asked XXXX for a copy of my signed contract, and they replied that it couldnt be pulled up. It's in the archives.
I still can not get a contract copy to determine who signed it. I did manage to get a financial statement ( 9. attachment ) showing the amounts that match the ones on the ledger ( Attached ) and an Email ( 10. attachment ) stating that I do not owe XXXX money XXXX
The XXXX XXXX XXXX reported this loan to my XXXX Credit Report from XX/XX/XXXX ( on 2. Attachment ) XXXX XXXX XXXX.
Date Opened : XX/XX/XXXX Term : 8 months Payment : {$100.00} Original Amount {$840.00} Recent Balance {$630.00} as of XX/XX/XXXX Recent Payment {$100.00} Address Identification Number : XXXX ( Department of Education ) ( on 8. Attachment ) The XXXX XX/XX/XXXX XXXX from XXXX {$100.00} XX/XX/XXXX Payment from XXXX {$100.00}.
XX/XX/XXXX Payment from XXXX {$100.00} XX/XX/XXXX Payment from XXXX {$100.00} XX/XX/XXXX Payment from XXXX {$100.00} I understand XXXX XXXX has falsified documents sent to the federal student aid in my name in the hopes that I pay it back.
For 12 years, my credit score has been terrible because of this and the other inaccurate student loans.
( 11. Attachment ) Federal Student Aid & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loans are inaccurately reported on my credit reports. Due to the fact, I was employed.
Date Opened : XX/XX/XXXX School Name ; XXXX XXXX Original Amount of Loan {$1700.00} Outstanding Balance : {$2200.00} Disbursement Date XX/XX/XXXX Disbursed Amount {$1700.00} Canceled Disbursement date : XX/XX/XXXX in the amount of {$1700.00} Total Amount Disbursed {$0.00} Out Of {$1700.00} Account # ending in XXXX Date Opened : XX/XX/XXXX School Name : XXXX XXXX Original Amount of loan : {$2000.00} Outstanding Balance : {$3400.00} Disbursement Date : XX/XX/XXXX Disbursed Amount : {$2000.00} XX/XX/XXXX Canceled {$2000.00} Total Amount Disbursed : {$0.00} Out Of {$2000.00} Account # ending in XXXX Date Opened : XX/XX/XXXX School Name : XXXX XXXX Original Amount of Loan : {$2800.00} Outstanding Balance : {$3500.00} Disbursement Date : XX/XX/XXXX Disbursed Amount : {$2800.00} Total Amount Disbursed : {$2800.00} Out of {$2800.00} Account # ending in XXXX Date Opened : XX/XX/XXXX School Name : XXXX XXXX Original Amount of Loan : {$750.00} Outstanding Balance : {$1300.00} Disbursement Date : XX/XX/XXXX Disbursement Amount {$0.00} Out of {$750.00} Account # ending in XXXX Date Opened : XX/XX/XXXX School Name : XXXX XXXX Original Amount ; {$2000.00} Outstanding Balance : {$2100.00} Disbursement Date : XX/XX/XXXX Disbursement Amount : {$2000.00} out of {$2000.00} Account # ending in XXXX The ledger from XXXX XXXX charged {$23000.00}. This is not correct.
For One XXXX XXXX XXXX in XXXX at XXXX XXXX XXXX {$7800.00} The loans in XXXX and XXXX on my account with XXXX XXXX and XXXX XXXX XXXX compared to the loan amount on my most recent credit reports XXXX XXXX- I attended The original amount of the loan : {$2200.00} Opened Date : XX/XX/XXXX FSA Disbursed Amount {$2200.00} out of {$2200.00} XXXX XXXX I attended The original amount of the loan was {$3500.00} Opened date : XX/XX/XXXX FSA Disbursed Amount : {$3500.00} out of {$3500.00} XXXX XXXX - INACCURATE & overcharged tuition The original amount of the loan : {$920.00} Opened Date : XX/XX/XXXX FSA Disbursed Amount : {$0.00} out of {$920.00} XXXX XXXX - INACCURATE & overcharged tuition The original amount of the loan : {$2800.00} Opened Date : XX/XX/XXXX FSA Disbursed Amount : {$1600.00} out of {$2800.00} XXXX XXXX - OverCharged Tuition The original amount of the loan : {$3500.00} Opened Date : XX/XX/XXXX FSA Disbursed amount : {$3500.00} out of {$3500.00} Overcharged XXXX Tuition loans total {$5700.00} XXXX Tuition overcharged loan total {$5100.00} Pell Grants ( attachment ) One Pell Grant is granted in a year.
XXXX XXXX has disbursed these amounts every year-my granted Pell Grants XXXX {$660.00} XXXX {$4100.00} XXXX. {$570.00} ( 12. attachment ) Total Amount in Pell Grants Disbursed by Federal Student Aid {$5400.00} ( attachment ) In XXXX, I did not graduate because they enrolled 20 students and only had nine internship sites to graduate, and just this year, I found out all this information Im sharing with you.
Please note that I did make some payments, but ever since that day, I requested those credit reports in XX/XX/XXXX. I have been trying to figure out what went wrong and to correct it.
The loans in XXXX and XXXX from XXXX XXXX are not accurate I listed the amounts and dates they were disbursed from Federal Student Aid in XXXX and XXXX The Original Amount of the loan : {$3500.00} Opened Date : XX/XX/XXXX Balance on loan as of XX/XX/XXXX {$4200.00} Disbursed amount : {$1700.00} on XX/XX/XXXX Disbursed amount of {$1700.00} on XX/XX/XXXX The total amount disbursed was {$3500.00} out of {$3500.00} The Original amount of the loan : {$2200.00} Opened Date : XX/XX/XXXX Balance of loan as of XX/XX/XXXX : {$3700.00} Disbursed amount of {$1100.00} on XX/XX/XXXX Disbursed Amount of {$1100.00} on XX/XX/XXXX On XX/XX/XXXX, canceled - {$1.00} The total amount disbursed was {$2200.00} out of {$2200.00} The Original amount of the loan : {$920.00}. INACCURATE Opened Date : XX/XX/XXXX Balance of loan as of XX/XX/XXXX : {$1400.00} Disbursed amount of {$920.00} on XX/XX/XXXX Disbursed Amount canceled XX/XX/XXXX The total amount disbursed was {$0.00} out of {$920.00} The Original amount of the loan : {$3500.00} Overcharged Opened Date : XX/XX/XXXX Balance of loan as of XX/XX/XXXX : {$4000.00} Disbursed the amount of {$3500.00} on XX/XX/XXXX The total amount disbursed was {$3500.00} out of the {$3500.00} OverCharged The Original amount of the loan : {$2800.00}. INACCURATE Opened Date : XX/XX/XXXX Balance of loan as of XX/XX/XXXX : {$4400.00} Disbursed the amount of {$2800.00} on XX/XX/XXXX Disbursement canceled- {$1100.00} The total amount disbursed was {$1600.00} out of {$2800.00}.
Please understand that I want to rehabilitate the student loans I rightfully owe and start making the correct payment once the deferment is lifted. Please take into consideration the following.
Attachment : ( 13. attachment ) Spreadsheet of the loan amounts, disbursed amount, and dates of the actual amounts of loans and pell grants XXXX already got paid for the ONE year I went.
Thank you so much for your time. Have an excellent rest of your day.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX CC : XXXX XXXX : XXXX XXXX XXXX : Federal Trade Commission : XXXX : XXXX : TransUnion : CFPB Please remove/delete all INACCURATE loans on XXXX XXXX account XXXX with XXXX XXXX XXXX Please Re-Investigate these accounts in XXXX ( please delete them ) XXXX XXXX XXXX Amount : {$2800.00} Opened Date XX/XX/XXXX Account number ending XXXX XXXX XXXX XXXX Amount : {$2000.00} Opened Date XX/XX/XXXX Account number ending XXXX XXXX XXXX XXXX Amount : {$1700.00} Opened Date XX/XX/XXXX Account number ending XXXX XXXX XXXX XXXX Amount : {$750.00} Opened XXXX Account number ending XXXX XXXX XXXX XXXX Amount : {$2000.00} Opened XXXX Account number ending XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX Loans for XXXX XXXX are Overcharges. I enrolled in XXXX and attended XXXX XXXX for that year I didnt enroll in the XXXX XXXX in XXXX ( again ) Please refer to the ledger attachment, and please update the credit bureaus regarding these loans : Date Opened XX/XX/XXXX Original Amount {$3500.00} Account Ending in XXXX Date Opened XX/XX/XXXX Original Amount {$2800.00} Account ending in XXXX Date Opened XX/XX/XXXX Original Amount {$920.00} Account ending in XXXX
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have seen repeatedly fraudulent accounts and that have been taken off of my TRANSUNION CONSUMER REPORTS AND NOW AS OF XXXXtransactions in my name on my consumer reports from XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Credit Card XX/XX/XXXX Open Past due 150 days XXXX XXXX 121 % {$4800.00} XX/XX/XXXX {$4000.00} XXXX {$760.00} {$4800.00} ask again of the CFPB TO truly look into the many violations of the FCRA by TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. Transunion and XXXX have been repeatedly warned about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report state attorney general report a Florida consumer complaint Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last two or three years Ive reached out to all three of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially with XXXX XXXX removed. At this point Im at. This is a cease and desist letter and warning to Transunion, about the fraudulent that are on my consumer report these are the accounts, the dates and the times. XXXX XXXX XXXXXXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Credit Card XX/XX/XXXX Open Past due 150 days XXXX XXXX 121 % {$4800.00} XX/XX/XXXX {$4000.00} XXXX {$760.00} {$4800.00} Revolving Individual ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never gave ( TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b ( Permissible purpose ) of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Account Name ( XXXX XXXX XXXXXXXX ) Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Credit Card XX/XX/XXXX Open Past due 150 days XXXX XXXX 121 % {$4800.00} XX/XX/XXXX {$4000.00} XXXX {$760.00} {$4800.00} Revolving Individual TransUnion Pursuant to my rights under the state and federal fair debt collection laws, I hereby ( DEMAND ) that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Florida Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, TRANUNION AND XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you TRANUNION/XXXX who is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with ( 18 U.S.C 10284 ) This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by TRANSUNION/XXXX/According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. ( 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these updated addresses and update the address with the one above.Delete any and all other phone numbers.
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Delete all information in the employer section.
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., company XXXX unlawfully obtaining my " TransUnion '' consumer report on XXXXwithout my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose.
" A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d
711 ( S.D. Ind. 2003 ).
15 USC S 16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding ( collection ) Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. But TRANUNION is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act )
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| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the accuracy of information that has been reported to the credit reporting agencies regarding my account XXXX XXXX ( XXXX **** ). I believe that your actions have violated the Fair Credit Reporting Act ( FCRA ), specifically sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), as well as the Fair and Accurate Credit Transactions Act ( FACTA ), specifically sections 312 ( b ) and 312 ( c ).
According to my credit reports from XXXX, Trans Union, and XXXX, there are discrepancies in the auto loan information that has been reported by these agencies. The planting and sowing dates and terms that have been reported by each agency differ from each other. This inconsistency in reporting may be a violation of section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date.
Furthermore, I have requested all information in my credit file from each credit reporting agency, as required by section 623 ( a ) ( 2 ) of the FCRA. If the information reported by XXXX does not match that reported by Trans Union and XXXX, then XXXX may have violated this section by failing to disclose all information in my credit file.
FACTA also requires furnishers of information to credit reporting agencies to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish, as stated in section 312 ( b ). If the creditor failed to provide consistent and accurate information to all three credit bureaus, then it may be a violation of this section. Additionally, section 312 ( c ) requires furnishers of information to credit reporting agencies to promptly notify the agencies of any corrections to inaccurate or incomplete information. If XXXX did not report the auto loan information or the correct planting and sowing dates and terms, and did not notify the other credit bureaus of the corrections, then it may be a violation of this section.
Specifically, I am concerned about the information regarding my account with XXXX XXXX, with account number ( XXXX ) .Upon reviewing my credit report from all three credit bureaus, I noticed discrepancies in the reporting of the planting date and terms of my auto loan. XXXX claims that XXXX 's planting date opened on XX/XX/XXXX, however, the Trans Union date is really XX/XX/XXXX. Furthermore, the number of months ( terms ) reported by Trans Union and XXXX is 62, while XXXX did not disclose this information. Trans Union reported on XX/XX/XXXX, with the Date Last Active for XXXX or XXXX being XX/XX/XXXX. Again, there is a discrepancy in the reporting, as Trans Union, XXXX, or XXXX will sow on XX/XX/XXXX, or on XX/XX/XXXX, respectively.
These discrepancies are in violation of several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). Section 623 ( a ) ( 1 ) ( A ) of the FCRA requires that credit reporting agencies maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date. The discrepancy in the planting date between XXXX and Trans Union XXXX be a violation of this section. Section 623 ( a ) ( 1 ) ( B ) requires that credit reporting agencies clearly and accurately disclose to consumers all information in their credit files. If XXXX did not disclose the correct planting date for the account, it may be a violation of this section. Section 623 ( a ) ( 2 ) requires that credit reporting agencies disclose all information in a consumer 's credit file upon request. If XXXX did not disclose the correct planting date upon request, it may be a violation of this section. Additionally, Section 623 ( a ) ( 5 ) requires that credit reporting agencies provide a consumer with a list of all inquiries made into their credit file. If any inquiries were made based on the inaccurate information provided by XXXX, it XXXX be a violation of this section.
Furthermore, Section 312 ( b ) of FACTA requires that furnishers of information to credit reporting agencies establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish. If XXXX XXXX failed to provide consistent and accurate information to all three credit bureaus, then it may be a violation of this section. Additionally, Section 312 ( c ) requires that furnishers of information to credit reporting agencies promptly notify the agencies of any corrections to inaccurate or incomplete information. If XXXX XXXX did not notify the other credit bureaus of the corrected planting date, it may be a violation of this section.
I am writing to dispute the inaccurate and unverified collection accounts that have been reported on my credit report by ACCT XXXX XXXX. The accounts in question are for the original creditor XXXX XXXX XXXX XXXX and the account numbers are XXXX.
According to my credit report, there is a discrepancy in the planting date between XXXX and Trans Union. XXXX states that the Date Opened for the account is XX/XX/XXXX, while Trans Union states it is XX/XX/XXXX. Additionally, XXXX 's date for the last reported on date is XX/XX/XXXX, while XXXX 's is XX/XX/XXXX. XXXX 's date for the planting date is XX/XX/XXXX, while XXXX 's date is XX/XX/XXXX.
These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 623 ( a ) ( 1 ) ( A ) requires that credit reporting agencies maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date. Additionally, Section 623 ( a ) ( 1 ) ( B ) requires that credit reporting agencies clearly and accurately disclose to consumers all information in their credit files. If XXXX or XXXX did not disclose the correct planting date for the account, it may be a violation of this section. Furthermore, Section 623 ( a ) ( 2 ) requires that credit reporting agencies disclose all information in a consumer 's credit file upon request. If XXXX or XXXX did not disclose the correct planting date upon request, it may be a violation of this section. Lastly, Section 623 ( a ) ( 5 ) requires that credit reporting agencies provide a consumer with a list of all inquiries made into their credit file. If any inquiries were made based on the inaccurate information provided by XXXX or XXXX, it may be a violation of this section. Additionally, the inaccuracies in the credit report may be a violation of the Fair a
nd Accurate Credit Transactions Act ( FACTA ). Specifically, Section 312 ( b ) requires that furnishers of information to credit rep orting agencies establish and implement reasonable written polici
es and procedures regarding the accuracy and integrity of the information they furnish. If ACCT XXXX XXXX failed to provide consistent and accurate information to all three credit bureaus, then it may be a violation of this section. Moreover, Section 312 ( c ) requires that furnishers of information to credit reporting agencies promptly notify the agencies of any corrections to inaccurate or incomplete information. If ACCT XXXX XXXX did not notify the other credit bureaus of the corrected planting date, it may be a violation of this section.
Therefore, I am requesting that A
CCT XXXX XXXX remove these unverified collection accounts from my credit report, as they are in violation of the FCRA and FACTA. I also request that they provide written confirmation of the removal to all three credit bureaus.
I am writing to file a dispute regarding the inaccurate information on my credit report. Specifically, there are unverified collection accounts listed by ACCT XXXX XXXX, with account numbers XXXX, that have incorrect seeding dates reported by the credit bureaus.
According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain accurate and up-to-date credit information, and to clearly and accurately disclose all information in a consumer 's credit file. However, there is a discrepancy in the seeding dates between XXXX and Trans Union, with XXXX reporting a seeding date of XX/XX/XXXX, while Trans Union reports a date of XX/XX/XXXX. This discrepancy XXXX be a violation of Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 1 ) ( B ) of the FCRA.
Furthermore, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to disclose all information in a consumer 's credit file upon request. If the credit bureaus did not disclose the correct seeding date upon my request, it may be a violation of this section. Additionally, if any inquiries were made based on the inaccurate information prov
ided by the credit bureaus, it may be a violation of Section 623 ( a ) ( 5 ) of the FCRA.
Under the Fair and Accurate Credit Transactions Act ( FACTA ), furnishers of information to credit reporting agencies are required to establish and implement reasonable written policies and procedures regarding the accuracy and integrity of the information they furnish. If ACCT XXXX XXXX failed to provide consistent and accurate information to all three credit bureaus, it may be a violation of Section 312 ( b ) of FACTA. Additionally, Section 312 ( c ) of FACTA requires furnishers of information to credit reporting agencies to promptly notify the agencies of any corrections to inaccurate or incomplete information. If ACCT XXXX XXXX did not notify the other credit bureaus of the corrected seeding date, it may be a violation of this section.
Therefore, I am requesting that the unverified collection accounts listed by ACCT XXXX XXXX with account numbers XXXX be removed from my credit report, as they have not been verified as accurate. Additionally, I urge you to enforce the laws outlined above and hold the credit bureaus and ACCT XXXX XXXX accountable for any violations.
Specifically, there are unverified collection accounts on my credit report that are negatively impacting my creditworthiness. The accounts in question are associated with XXXX XXXX XXXX XXXX and are listed under account number XXXX. According to XXXX, the date of opening for this account is XX/XX/XXXX, and the account type is listed as Collection. However, the credit limit was not reported.
I believe that XXXX XXXX XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ), including : Section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies maintain reasonable procedures to ensure that the credit information they report is accurate and up-to-date. If XXXX XXXX XXXX XXXX reported an incorrect opening date for the account, it may be a violation of this section.
Section 623 ( a ) ( 1 ) ( B ), which requires that credit reporting agencies clearly and accurately disclose to consumers all information in their credit files. If XXXX XXXX XXXX XXXX did not accurately report the account type and credit limit information, it may be a violation of this section.
Section 623 ( a ) ( 2 ), which requires that credit reporting agencies disclose all information in a consumer 's credit file upon request. If XXXX XXXX XXXX XXXX did not disclose accurate information upon request, it may be a violation of this section.
Section 623 ( a ) ( 5 ), which requires that credit reporting agencies provide a consumer with a list of all inquiries made into their credit file. If any inquiries were made based on inaccurate information provided by XXXX XXXX XXXX XXXX, it may be a violation of this section.
Section 1681s-2 ( a ) of the FCRA, which outlines the responsibilities of furnishers of information to credit reporting agencies. Furnishers must provide accurate and complete information to credit reporting agencies, and if a furnisher learns that any information it has provided to a credit reporting agency is not accurate, it must promptly notify the agency of the error and provide corrected information. If XXXX XXXX XXXX XXXX failed to comply with any of these requirements, it may be a violation of this section.
This inaccurate information on my credit report has had a significant negative impact on my life. I have been denied credit, employment, and rental opportunities due to my low credit score, which is in large part due to these unverified collection accounts. As a result, I have been unable to purchase a home, secure stable employment, or provide for my family in the way that I would like.
Therefore, I am requesting that these unverified collection accounts be removed from my credit report in accordance with the FCRA. I also request that any inquiries made based on this inaccurate information be removed from my credit report. I appreciate your attention to this matter and look forward to your prompt resolution.
Sincerely, XXXX XXXX
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| 09/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX XXXX Loan credit report dispute Loan # XXXX All Loan Details Loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ISSUE : Dispute Credit bureau report of 60 days late payment reporting on XX/XX/2023 ( See attached document Credit Bureau 60 days late report due to loan ending in XXXX ) Along with other late reporting with remaining 8 private loan noted above.
It is with sadness and disappointment that I am writing this letter. My experience with XXXX since the first day I applied for my first student loan with my ex-wife as co-signer over 5 years ago has been nothing but sheer nightmare, hardship, stress, surmounted cost from damaged credit report, deny mortgage due to bad XXXX report, higher interest rate payment on my car note to separating with my ex-wife due multiple issues related to XXXX lack of transparencies, inability to assume its mistake of lying to customers, providing wrong information, incorrectly applying payment to wrong loan, charging same loan payment multiple times in one payment cycle and charging late fee while still collecting auto draft payment without raising issue of auto draft scheduled date incurring fees, please see all evidence provided.
Issue 1 - Wrongful credit report while payment, auto draft, are made based on information received.
On XX/XX/2023, at XXXX XXXX central time. I spoke with XXXX Representative XXXX XXXX about my account, and she seemed knowledgeable and did confirmed that my account should not have been reported past due because as of XX/XX/XXXX my account was a month past due but payment made brought my account to XXXX. Meaning this reporting to the bureau in XXXX of XXXX is inaccurate. She even advises that I call in few days and that she will refund all late fee. She even added that she will move my loan due date to align with payment plan date which apparently is contributing to late fee. In a nutshell, XXXX knowingly schedule payment plan date outside of payment due date and collect late fees. Know this information should be disclose to client such that if payment plan is schedule far from due date could lead to involuntary late fees. iF clients have this information, they will obviously prefer a payment date that does not incur late fees.
I would like to start by directly pointing what transpired me to write this letter of credit report dispute. The issue is in reference to loan # XXXX. For the longest I can recall this loan has been on an auto draft in the amount of {$91.00} and periodically I will call XXXX to check to make sure XXXX does not need anything from me. About 4 months ago to this day, XX/XX/XXXX, some of my loans were coming out of a repayment plan. I called XXXX asking what is needed to enroll back into the repayment plan and how much to set my auto draft payment. I was informed of all that was needed on the call, I then set up an auto draft as always including loan # XXXX. Today XX/XX/2023, I received a notification from the credit bureau showing that my credit score drop about 60 points one of the reason I was inform was that loan # XXXX was reported having missed payments ; however when I look at my monthly auto draft set by XXXX, all my payment seemed have been made. I called XXXX to see what is going and no ones can seem to explain what is going on. When I scheduled my payments few months ago, I was never told that loan # XXXX payment is more than {$91.00} and to that point I am not even sure if that is the issue as my payment history show that I was paying exactly the amount due, interest amount, please reference payment history of loan # XXXX. To conclude this first part of my issue with XXXX, stuff constantly provided incorrect information, set up incorrect payment plans, no one contacted me or emailed me about payment issue. I almost always call to ask what is going on, but I would think that XXXX would have been the one contacting customers about payment and not the other way around where customers are calling to make sure they are not falling behind and not know. Here I am asking that XXXX not only remove the recent credit report to the bureau but remove past late payment as these were also similar issues where I was told to make my payment which I did and still got reported simply because the amounts that were being drafted were not enough even though they were the exact amount that XXXX reps scheduled to be drafted to satisfy my payment. If these issues are not fixed with the bureau, I will follow a formal complaint with the CFPB, FTC and file a lawsuit for all financial burden the damaged you inflicted to my credit due to XXXX inability to be truthful, transparent and own its end of the bargain as related to misleading clients with false information.
FYI- On XXXX XXXX, I called XXXX at about XXXX XXXX Central time and spoke with a gentlemen name XXXX, I have asked for his last name or employee ID. He stated that he is the only XXXX at XXXX which I found it hard to believe. Goes to show what customer face day to day when calling XXXX. If you pull and listen to the call, I have asked XXXX to confirm that my payment plan set up on XX/XX/2023, call is correct in that all monthly payment are set on an auto draft included loan ending in XXXX. XXXX confirmed yes. I also ask to confirm auto draft amount for loan ending in XXXX. XXXX confirmed {$91.00} which is only about {$.00} more than previous auto draft for loan ending in XXXX. This means that indeed loan ending in XXXX has been drafted correctly in the amount of {$91.00}. I then asked if auto draft for loan ending in XXXX is correct then why did XXXX reported 60 days past due on my account. XXXX responded that payment for XXXX and XXXX were not received, and payment made in XXXX was return unpaid. I one find this to be incorrect, one if XXXX and XXXX payment is missing wouldnt payment made in XXXX, XXXX, XXXX, XXXX and large payment on this loan ending in XXXX made on XX/XX/XXXX in the amount of {$310.00} take care of {$91.00} XXXX and XXXX XXXX? in fact when reviewing attached account history, you will noticed that in XXXX payment reverse was put in back of loan after speaking with a rep to set up a payment plan Please note that everything on my account, activities, payment etc are result of conversation with reps as I do my very best to follow their instructions and set up payment plans, auto draft etc. either way account XXXX should not have been reported as all payment on this account are up to date for last 12 month and any missed payment would have been reconcile with large payment in the amount of {$310.00} made through the rep who actually stated that is what I needed to pay. Also based on my account history my payment in the amount of about {$740.00} was processed and withdrew from my bank account on XX/XX/2023. Please see both my bank account record, check record and XXXX record showing payment made and processed successfully on XX/XX/XXXX. This goes to show that not only information provided by XXXX rep is inconsistent with the expectation and actual action that take place, but also that when there is an issue there is a lack of communication from XXXX and I am always having to call to know what is going on. I would assume that before reporting to credit bureau XXXX would have made an effort to contact me in the last 4 months, but they did not. Also looking at my account even though I have payment scheduled on auto draft I am incurring late payment each and every months. Could it be that auto draft set on payment past due date incurs fees? If yes, this should be disclosed to client otherwise we are under the impression that we could be a payment date regardless of due date. At least in my case I am charge fees each month for past years which I would like reverse.
To show so much disconnect among reps at XXXX, I called back later today XX/XX/XXXX and here is what was the conclusion from another rep which is makes more sense than all the other reps. Please pull conversation record and check for yourself, XX/XX/2023, at XXXX XXXX central time. spoke with XXXX Representative XXXX XXXX.
On XX/XX/2023, at XXXX XXXX central time. I spoke with XXXX Representative XXXX XXXX about my account, and she seemed knowledgeable and did confirmed that my account should not have been reported past due because as of XX/XX/XXXX my account was a month past due but payment made brought my account to XXXX. Meaning this reporting to the bureau in Month of XXXX is inaccurate. She even advises that I call in few days and that she will refund all late fee. She even added that she will move my loan due date to align with payment plan date which apparently is contributing to late fee. In a nutshell, XXXX knowingly schedule payment plan date outside of payment due date and collect late fees. Know this information should be disclose to client such that if payment plan is schedule far from due date could lead to involuntary late fees. iF clients have this information, they will obviously prefer a payment date that does not incur late fees.
Issue 2 - issues experience over the years with Navient Many times, there have been disconnect among staff members at XXXX. Many times, I have called and seems that each time I am provided different information and wrong information. Reps at XXXX actually acknowledged many times that previous reps have be incorrect etc. If stuff at XXXX cant speak the same language, I dont know how we the general public are supposed to understand what you are saying. I can truly say that Ive been misled over the years many times over by XXXX, which cost many credit reporting and credit issues, high interest on car loan, denied mortgage because of XXXX report dropping my credit score to an all-time low. Note, I have 9 loan and whenever a report is sent it may have 9x impact to my credit report. Note on may occasion I have noticed XXXX withdrawing payment from my bank and apply 2 payments on 1 loan. I have voiced this issue in the past and XXXX acknowledge this unauthorized transaction and always end up saying sorry and apply the extra payment to future loan payment. This practice should be illegal and should have serious implication as most people do not have money laying around for overpayment on a loan.
Many times, Ive had to rely on the information that is provided by XXXX representatives, but seems like no matter how much I try to rely on the information I receive, I must proactively call to check to make sure everything is alight and even then, seems like XXXX finds a way to mess up my account, auto draft etc. At this point I have concluded that information receives from XXXX going forward is not reliable, it is often inaccurate and leaving customers is a mess and financial hardship.
With every case there must be evidence and concrete examples. Ok, lets go back to my earlier issue # 1, I called XXXX around XX/XX/2023 to make sure all my payments are made and check on re payment plan expiring and set up a new plan. Rep explained everything and ask that I pay about {$740.00} to re-enroll in payment plan satisfying all loans and set up auto draft for all 9 loans. At this point I understood the following, make payment, schedule auto draft and just monitor that payment auto draft. Now we pass the month of XXXX, XXXX, XXXX, XXXX while payment are being drafted as agree, in the backend loan ending in XXXX is being underpay something I did not know, no one called, no email or mail about an under payment if that is even the issue which I am to clear with XXXX. Another issue, no one seems to know what is going on when something goes wrong.
Due to your mistake and misinforming me of payment amount drafted each month if and again if the issue is really underpaying. The issue could be bigger than that meaning that you maybe wrongfully charging amounts and incorrectly allocating them. Either way I am asking that you clean up my credit report and remove these wrong credit report due to your stuff wrong directions and information. Also you will notice that there is no record of someone reaching out to me in XXXX or XXXX about late payment or credit report. Think about this, now why would I pay all my loans each month only to leave out a small amount that is not been drafted from my account? I definitely know that paying loan is to avoid credit report, but seems like here paying my loan auto draft each month sent me to negative credit reporting.
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| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the reporting of my credit report that have been caused by XXXX XXXX XXXX XXXX XXXX XXXX ). Specifically, XXXX XXXX XXXX XXXX ( XXXX ) has reported different dates of last activity and sow dates on different credit reports, which is a clear violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).
As per FCRA section 623 ( a ) ( 1 ) ( A ), consumer reporting agencies ( CRAs ) are required to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports. However, XXXX XXXX XXXX XXXX XXXX XXXX XXXX has reported different information on different credit reports, which is clearly a violation of this section of the FCRA XXXX
Additionally, FCRA section 611 ( a ) ( 1 ) ( A ) requires CRAs to provide a free credit report to consumers once every 12 months upon request. If the information on these credit reports is inaccurate or incomplete, it could be a violation of this section of the FCRA. XXXX XXXX XXXX XXXX XXXX XXXX XXXX 's reporting of inaccurate information on my credit reports clearly violates this section of the law.
Furthermore, FACTA section 312 requires that furnishers of information to CRAs establish reasonable policies and procedures to ensure the accuracy and integrity of the information provided to CRAs. Again, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reporting of different information on different credit reports is a clear violation of this section of the law.
These violations have had a significant negative impact on my life. For example, I recently applied for a loan to purchase a car, but my application was denied due to the inaccurate information in my credit report. This has left me without a reliable means of transportation, which has made it difficult for me to maintain my employment.
Therefore, I urge the CFPB to take action against XXXX XXXX XXXX XXXX ( XXXX ) and enforce the legal requirements of the FCRA and FACTA. I request that XXXX XXXX XXXX XXXX XXXX XXXX XXXX remove the unverified collection accounts from my credit report as soon as possible.
For instance, due to the unverified collection account XXXX XXXX XXXX reported, I have been denied loans, credit cards, and even employment opportunities. The stress and anxiety caused by this situation have affected my mental and emotional well-being.
I have noticed that XXXX XXXX XXXX has violated specific sections of the Fair Credit Reporting Act ( FCRA ) by reporting different dates of last activity and sow dates on different credit reports. This may have violated FCRA section 623 ( a ) ( 1 ) ( A ), which requires consumer reporting agencies ( CRAs ) to follow reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports.
Additionally, XXXX XXXX XXXX XXXX failure to provide accurate and complete information on all three of my credit reports may have violated FCRA section 611 ( a ) ( 1 ) ( A ), which requires CRAs to provide a free credit report to consumers once every 12 months upon request.
I am kindly requesting that you enforce the legal provisions of the FCRA to ensure that XXXX XXXX XXXX complies with the law. I am also requesting that XXXX # XXXX remove these unverified collection accounts from my credit report as they are inaccurate and incomplete.
FACT ACT related to the reporting of account XXXX XXXX XXXX I am deeply concerned about the impact that these inaccuracies have had on my life. As a hardworking individual who strives to maintain good credit, I have been devastated to see my credit score drop and my financial opportunities limited due to these errors.
To provide some context, I have been a loyal customer of your company for XXXX XXXX XXXX years. I have always made my payments on time and in full, and I have never had any issues with my account until recently. However, despite my efforts to maintain good credit, I have discovered that your company has been reporting inaccurate information about my account to the credit reporting agencies.
Specifically, I have noticed that Transunion and XXXX are reporting different high balances and dates of last activity for the same account. Additionally, XXXX has not reported any information for this account, which may indicate a violation of the FCRA 's requirement to provide complete credit reports.
Based on my research, I believe that these discrepancies are clear violations of the FCRA and FACT ACT. Specifically, your company has violated the following sections of these laws : FCRA Section 607 ( b ) - Requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report.
FCRA Section 611 ( a ) - Requires credit reporting agencies to investigate and correct any inaccurate information upon receiving a dispute from a consumer.
FCRA Section 612 ( a ) - Requires credit reporting agencies to provide free annual credit reports that are accurate and complete.
FACT ACT Section 212 ( a ) - Requires credit reporting agencies to establish and implement reasonable procedures to ensure the maximum possible accuracy of the information they report.
FACT ACT Section 214 ( a ) - Requires credit reporting agencies to promptly investigate and correct any inaccurate information upon receiving a dispute from a consumer.
FACT ACT Section 215 ( a ) - Requires credit reporting agencies to provide free annual credit reports that are accurate and complete.
I understand that your company has a responsibility to report accurate information to the credit reporting agencies, and I am requesting that you take immediate action to correct these errors. Specifically, I am requesting that you remove the unverified collection account from my credit report.
The XXXX XXXX XXXX XXXX ( Account Number : XXXX ). According to my credit report from TransUnion, this account has been reported with a high balance of {$3100.00}, while XXXX and XXXX did not report this information. Additionally, the payment status has been reported as a collection/chargeoff, but I have not received any paperwork regarding the debt.
I believe that XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by not reporting accurate information about this account. Specifically, Section 607 ( b ) of the FCRA requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report. If the payment status is reported as a collection or chargeoff, but I have not received any paperwork regarding the debt, this may be inaccurate information that should be investigated and corrected by the credit reporting agency.
Furthermore, Section 611 ( a ) of the FCRA requires credit reporting agencies to investigate and correct any inaccurate information upon receiving a dispute from a consumer. If I dispute the accuracy of the information being reported for this account, the credit reporting agency is required to investigate the matter and correct any errors found.
This inaccurate information on my credit report has had a significant impact on my life. It has made it difficult for me to secure loans or credit, and has caused me a great deal of stress and anxiety. I urge you to enforce the legal requirements set forth in the FCRA and ensure that XXXX XXXX XXXX XXXX and the credit reporting agencies involved correct the inaccurate information being reported for this account.
I request that the creditor remove this unverified collection account from my credit report. I appreciate your attention to this matter and look forward to hearing back from you soon.
XXXX XXXX XXXX XXXX. Specifically, their reporting of a high balance on account number XXXX is inaccurate and potentially a violation of the Fair Credit Reporting Act ( FCRA ).
According to my credit report, XXXX XXXX XXXX XXXX has reported a high balance on this account, but neither TransUnion nor XXXX reported it. Additionally, XXXX did not investigate the matter despite my dispute. The account rating is derogatory, with the status being reported as a collection/chargeoff, and the account has been closed due to inactivity. The creditor remarks indicate an unpaid balance reported as a loss by the credit grantor, but I have not received any paperwork regarding this debt.
This inaccurate information has had a significant impact on my life. As a result of this error, I have been denied credit, housing, and job opportunities. It has caused a great deal of stress and anxiety for me and my family.
I believe that XXXX XXXX XXXX XXXX has violated several sections of the FCRA, including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report, and Section 611 ( a ), which requires credit reporting agencies to investigate and correct any inaccurate information upon receiving a dispute from a consumer. Additionally, Section 623 ( a ) ( 2 ) requires that the creditor must report the date of delinquency to the credit bureau within 90 days after the delinquency, and I am not sure if this has been done accurately or timely.
Therefore, I request that you enforce the legal requirements of the FCRA and ask XXXXXXXX XXXX XXXX XXXX to remove these unverified collection accounts from my credit report.
the reporting of a collection account by XXXX XXXX XXXX XXXX on my credit report. While XXXX is showing the account as derogatory, the other two credit bureaus are not reporting anything. This discrepancy raises concerns about the accuracy of the information being reported by XXXX and potential violations of Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report.
Furthermore, XXXX is reporting the account as closed and with a payment status of collection/chargeoff, but I have not received any paperwork or notification from them regarding this status. I have disputed the accuracy of the account status and payment status being reported by XXXX, but they have not investigated or corrected the information. This may be a violation of Section 611 ( a ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccurate information upon receiving a dispute from a consumer.
This incorrect and unverified reporting has had a significant impact on my life. I have been denied credit and have faced higher interest rates due to this collection account being reported on my credit report. It has been a constant source of stress and anxiety for me and has made it difficult to achieve my financial goals.
I ask that you enforce the legal requirements under the FCRA and ensure that XXXX and XXXX take the necessary steps to correct any inaccurate information being reported. Additionally, I request that XXXX XXXX XXXX XXXX remove this unverified collection account from my report.
being reported on my credit report by TransUnion, XXXX, and XXXX regarding my account with XXXX XXXX # XXXX with XXXX.
TransUnion and XXXX reported a high balance of {$3400.00} on the account, while XXXX did not report it. Additionally, there are discrepancies in the latest confirmed date, date of last activity, closing date, creditor remarks, and last payment being reported by the three credit reporting agencies.
These discrepancies are not only causing confusion but are also impacting my ability to obtain credit and loans. As a hardworking individual, it is frustrating to see my credit score negatively impacted due to inaccurate reporting by the credit bureaus.
Furthermore, I believe that TransUnion and XXXX may have violated Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) by not taking reasonable measures to ensure the accuracy of the information they reported. Additionally, the failure of all three credit reporting agencies to investigate and correct the inaccurate information I disputed may be a violation of Section 611 ( a ) of the FCRA.
I also believe that TransUnion and XXXX may have violated Section 623 ( a ) ( 2 ) of the FCRA by reporting a later date of last activity than XXXX. This is a violation of my rights as a consumer and may have serious consequences for my financial future.
These errors have caused significant distress in my life, as I have been denied credit and loans due to inaccurate reporting. I urge you to enforce the laws outlined in the FCRA and ensure that these errors are corrected immediately. I am requesting that the unverified collection account be removed from my credit report.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX XXXX reached out to XXXXTRANSUNIONXXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXXTRANSUNIONXXXX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXXTransunion/XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state , Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXI am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( xxx ) xxx-xxxx Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Date of Birth : XXXX Social Security XXXX Transunion XXXX XXXX XXXX XXXX, pa XXXX XX/XX/XXXX XXXX Letter to Remove Inaccurate Credit Information To Whom It May Concern : Please be advised that this is my SECOND WRITTEN REQUEST for you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified that an account listed on my credit report is mine by having a copy of the original credit application on file. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your re-investigation. Also, tell me why didnt you send me copies of the verification like I asked you to?
As I am sure that you are well aware, current case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).
You have NOT provided me a copy of ANY original documentation that you have on file that is required under Section 609 & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
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I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : the following addresses are reporting incorrectly and must be removed immediately XXXX XXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX GA XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX GA XXXX XXXX XXXX XXXX, XXXX PA XXXX The following spouse is reporting incorrectly and needs to be removed immediately XXXX XXXX The following aliases are reporting incorrectly and need to be removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Explanation- pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX XXXXXXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : DEPARTMENT OF EDUCATION/XXXX Account Number : XXXX, XXXX, XXXX, XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXXXXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX XXXX : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX Account Number : XXXX, XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
The following account needs to be removed immediately : Creditor Name : XXXX XXXX Account Number : XXXX Explanation : pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per fcra sec 605, 609, and 623. pls verify and validate all data for this account, every notation, dates and balances, whether reported or not. On top of it, this is a collection account and the collector needs to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX XXXX
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| 03/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to dispute the unverified collection account on my credit report that was reported by XXXX XXXX XXXX ( XXXX ) for a debt owed to XXXX with account number ( XXXX ). The account status is reported as " Not satisfying XXXX '' and is seriously past due with assignment to an attorney, collection agency, or credit grantor 's internal collection department. However, I have never received any notification from XXXX regarding this seriously past due account nor have I received any paperwork related to this account. Additionally, the other two major credit bureaus have not reported any negative information about this account.
Furthermore, it appears that XXXX has violated the following sections of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : FCRA Section 607 - Duties of furnishers of information to consumer reporting agencies FCRA Section 609 - Disclosures to consumers FCRA Section 611 - Procedure in case of disputed accuracy FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies FCRA Section 626 - Disclosures to FBI for counterintelligence purposes FCRA Section 627 - Disclosures to governmental agencies for counterterrorism purposes FCRA Section 628 - Disposal of records FDCPA Section 807 - False or misleading representations FDCPA Section 809 - Validation of debts FDCPA Section 810 - Multiple debts and consumers FDCPA Section 812 - Furnishing certain deceptive forms FDCPA Section 813 - Civil liability FDCPA Section 814 - Administrative enforcement Therefore, I am requesting that the CFPB enforce the applicable laws and require XXXX to remove this unverified collection account from my credit report. I also request that XXXX be held accountable for the violations of the FCRA and FDCPA.
information reported by XXXX XXXX XXXX regarding an account they are reporting on my credit report. The account in question is associated with XXXX XXXX : XXXX Bank, and the account number is XXXX XXXX.
According to XXXX, the account type was reported as an Open Account, but the other two credit bureaus did not report it. Additionally, XXXX reported an account status of Not Satisfying XXXX, but TransUnion and XXXX did not report any account status. Furthermore, XXXX reported a date opened of XX/XX/XXXX, but the other two bureaus did not report any opening date. Finally, XXXX reported comments on a collection account, but TransUnion and XXXX did not report any comments.
I believe that XXXX XXXX XXXX has violated several sections of the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. Section 607 of the FCRA requires that furnishers of information must provide accurate and complete information to the credit reporting agencies. If XXXX XXXX XXXX provided different information to different credit bureaus, they may have violated this section. Section 623 of the FCRA requires that furnishers of information must investigate and correct disputed information in a timely manner. If XXXX XXXX XXXX failed to investigate and correct disputed information, they may have violated this section.
Furthermore, the FDCPA Section 807 prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. If XXXX XXXX XXXX reported inaccurate information about the account to the credit bureaus, they may have violated this section. Additionally, FDCPA Section 809 requires that debt collectors must provide written validation of a debt upon request from the consumer. If XXXX XXXX XXXX failed to provide me with validation of the debt upon request, they may have violated this section. I believe that XXXX XXXX XXXX has unfairly damaged my credit history.
I am disputing the collection account with account number XXXX, which was sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to my credit report, the account type is listed as " Open Account '' on XXXX, but not on TransUnion or XXXX, and it is also listed as a " Collection Account '' on XXXX, but not on the other two bureaus.
This reporting is inaccurate and misleading, and it violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Under Section 607 of the FCRA, creditors such as XXXX XXXX XXXX are required to provide accurate and complete information to the credit reporting agencies. By providing different information to different credit bureaus and reporting the account type inaccurately, XXXX XXXX XXXX has violated this section.
Additionally, under Section 623 of the FCRA, creditors are required to investigate and correct disputed information in a timely manner. I have disputed the inaccurate information on my credit report with XXXX XXXX XXXX, but they have failed to investigate and correct it, which is a violation of this section.
Furthermore, under Section 807 of the FDCPA, debt collectors are prohibited from using false, deceptive, or misleading representations in connection with the collection of any debt. By reporting inaccurate information about the account to the credit bureaus XXXX XXXX XXXX XXXX has violated this section.
Finally, under Section 809 of the FDCPA, debt collectors are required to provide written validation of a debt upon request from the consumer. I have requested validation of the debt from XXXX XXXX XXXX, but they have failed to provide it, which is a violation of this section.
Therefore, I am requesting that the unverified collection account with account number XXXX be removed from my credit report. I also request that XXXX XXXX XXXX be held accountable for their violations of the FCRA and the FDCPA.
XXXX XXXX XXXX in regards to the collection account that they have reported on my credit report. The account in question ( Account Number : XXXX ) is allegedly an open account, but in fact, it is a collection account. I have never received any notification from the original creditor, XXXX XXXXXXXX XXXX XXXX XXXX XXXX, that my account had been sold to a collection agency. Furthermore, XXXX XXXX XXXX failed to provide me with any paperwork or written validation of the debt upon my request.
These actions by XXXX XXXX XXXX are in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 807 and 809. Section 807 prohibits debt collectors from using false or misleading representations in connection with the collection of any debt. By reporting the account as open when it was a collection account, XXXX XXXX XXXX has misrepresented the status of the account. Section 809 requires that debt collectors must provide written validation of a debt upon request from the consumer. As I have not received any notification or validation of the debt from XXXX XXXX XXXX, they may have violated this section as well.
dispute the inaccurate information that has been reported on my credit report by XXXX XXXX ( XXXX ). According to my credit report, there are multiple errors in the reporting of my account, including different account types, inconsistent payment status, and inaccurate balance information.
Section 607 of the Fair Credit Reporting Act ( FCRA ) requires that furnishers of information must provide accurate and complete information to the credit reporting agencies. XXXX XXXX provided different information to different credit bureaus, which violates this section of the law. Additionally, Section 609 of the FCRA requires that credit reporting agencies must disclose the information in your credit report to you upon request. If the information in my credit report was reported inaccurately or not disclosed, the credit reporting agencies may have violated this section.
Furthermore, Section 610 of the FCRA requires that credit reporting agencies must provide the information in a clear and understandable format. If the information in my credit report was not presented in a clear and understandable format, the credit reporting agencies may have violated this section.
In addition to the FCRA violations, there may be violations of the Fair Debt Collection Practices Act ( FDCPA ). Section 807 of the FDCPA prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. If XXXX XXXX reported inaccurate information about the account to the credit bureaus, they may have violated this section of the law.
XXXX XXXX XXXX XXXX ( XXXX ) has reported to the credit bureaus regarding my account with them. I have reviewed my credit report from XXXX and XXXX and have found several inaccuracies in the information that XXXX XXXX XXXX XXXX has provided to these agencies.
According to XXXX, the account type for my loan with XXXX XXXX XXXX XXXX is an " Unsecured Loan, '' but XXXX is reporting it as an " Installment '' account. Additionally, XXXX reports that the number of months for my loan was 60, while XXXX reports that it is a monthly payment due every month. There is also a discrepancy in the high credit balance reported, with XXXX reporting {$10000.00} and XXXX not reporting it at all. Finally, XXXX reports the " Date Last Active '' as XX/XX/XXXX, while XXXX reports XX/XX/XXXX.
These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically sections 607, 609, and 610. Section 607 requires that furnishers of information, such as XXXX XXXX XXXX XXXX, must provide accurate and complete information to the credit reporting agencies. Inaccurate reporting of the account type, number of months, and high credit balance violates this section. Section 609 requires that credit reporting agencies must disclose the information in your credit report to you upon request, and inaccurate reporting violates this section. Finally, Section 610 requires that credit reporting agencies must provide the information in a clear and understandable format, and the discrepancies in reporting violate this section as well.
These inaccuracies have had a significant impact on my credit score and have made it difficult for me to obtain credit and loans at favorable interest rates. It has also caused me significant stress and anxiety, as I am constantly worried about the negative impact on my financial future.
I am requesting that XXXX XXXX XXXX XXXX remove these unverified collection accounts from my credit report, as they are in violation of the FCRA and have caused me undue harm. I would appreciate your prompt attention to this matter, as it is critical to my financial well-being.
XXXX XXXX XXXX ( XXXX ) has provided to the credit reporting agencies regarding my account. It has greatly affected my life and caused me significant emotional distress.
According to TransUnion, XXXX XXXX XXXX reported an installment account, but XXXX claimed it was an unsecured loan. Additionally, XXXX mentioned that the account status was closed, but I never received any notification from them regarding this closed account. They also never provided any paperwork with me, while the other two bureaus report an indeterminate status on my account.
Furthermore, TransUnion mentioned that the monthly payment balance is {$0.00}, but XXXX and XXXX did not report it. Also, TransUnion mentioned the credit limit is {$0.00}, but the other two bureaus did not report any negative information on my account.
These inaccuracies violate several provisions of the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 607, furnishers of information to credit reporting agencies must provide accurate and complete information. XXXX XXXX XXXX has provided different information to different credit bureaus, reported inaccurate information such as the account status, and failed to provide any paperwork regarding the closed account. This violates the FCRA.
Under Section 609, credit reporting agencies must disclose information in your credit report upon request. However, the information provided to me by the credit reporting agencies was inaccurate or not disclosed at all, which may have violated this section.
Finally, under Section 610, credit reporting agencies must present information in a clear and understandable format. The information presented on my credit report was not clear and understandable, which may have also violated this section.
The inaccuracies in my credit report have caused me significant emotional distress, affecting my ability to obtain loans, credit cards, and other financial services. I request that XXXX XXXX XXXX remove the unverified collection account from my credit report immediately.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting acXXXX XXXX Account # XXXX XXXX XXXXXXXX BANK has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX BANK XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX. has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXXXXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXXXXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXXXXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AMENDED AND CORRECTED COMPLAINT TO COMPLAINT XXXX XXXXXXXX Submitted to the CFPB XXXX XXXXXX/XX/XXXX. PLEASE USE PREVIOUSLY SENT ATTACHMENTS FOR THIS COMPLAINT It has come to my attention that XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, a third party intervener are both currently in violation of The Privacy Act of 1974 which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX a third party intervener has been in violation of this Act and has been regularly reporting negative activity without my consent, and has caused irreparable harm and injuries to me, despite the fact the there is no signed contract between myself and XXXX XXXX XXXXXXXX in violation of the abovementioned Act and as stated in 15 U.S. Code 6801 - Protection of nonpublic personal information which states : ( a ) Privacy obligation policy - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards - In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. In addition to 15 U.S. Code See Also 6805 Enforcement ( a ) WHICH STATES THAT : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, and ( b ) ENFORCEMENT OF SECTION 6801 ( 1 ) Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Therefore, it is within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ) to enforce this/these Act ( s ) to ensure the protections of all consumers. SEE ALSO 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information under : ( a ) Notice requirements which states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. According to 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( e ) Time to comply with opt out. Which states that : You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it., and 16 CFR 313.7 ( f ) Continuing right to opt out, which also states that A consumer may exercise the right to opt out at any time, and 16 CFR 313.7 ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As stated herein, as well as the enclosed letter which clearly signifies my right to opt out as stated in 6802 ( b ) : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a third-party intervener who has never disclosed this information to enable me as the consumer the opportunity to exercise the abovementioned Opt out rights afforded to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a third party intervener was ultimately sold the debt by XXXX XXXX XXXX and filed a Court Action against me to sue me XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CIVIL PART ( SEE EXHIBIT A-1 35 pages ) despite the fact that XXXX XXXX XXXX is a third party intervener, an mandatory arbitration clause in the agreement made between myself and XXXX XXXX BANK, and the fact there is NO signed contract/agreement between me and XXXX XXXX XXXX but nevertheless still XXXX XXXX XXXX XXXX XXXX XXXX XXXX a third-party intervener continues to report the above-mentioned account as a COLLECTION to all of the major credit reporting agencies. This ongoing negative reporting is causing irreparable injury, embarrassment, emotional damage, stress and humiliation to me and my family by being denied of credit and my ability to prosperously move forward financially in life by their violations of the laws stated herein. SEE ATTACHED FILE CFPB DENIAL LETTERS. It is also illegal to report any negative transaction history to the major credit reporting agencies which XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX a third-party intervener continues to illegally report to this day. 17 CFR 248.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose non-public personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. Please take notice that the Notice listed above is nowhere on any agreement between XXXX XXXX XXXX XXXX XXXX XXXX XXXX a third-party intervener and myself as the consumer, because there is not now, nor was there ever a signed contract/agreement made between XXXX XXXX XXXX and myself XXXX XXXX XXXX which is a clear violation of the above sited Regulations which has caused myself and my family irreparable injury, harm and undue financial hardship which continues to this very day. 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX1977 from requirements of 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XXXX XXXX, 1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. It is for the reasons stated herein and the protection of my rights as a consumer is why I am entitled to the remedy and relief sought in the form of XXXX XXXX XXXX XXXX XXXX XXXX XXXX correcting the record by removing all negative reporting, and negative credit history from any and all credit reporting agencies records, including but not limited to XXXX, XXXX, Transunion, and financial compensation for the violations committed by both XXXX XXXX XXXX XXXX XXXX XXXX XXXX which has caused irreparable harm, embarrassment, humiliation, mental anguish and undue financial hardships committed against me for which compensation in the amount of {$5000.00} XXXX XXXX XXXX XXXX XXXX each by both parties should be granted in my favor.
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| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have contacted all of the debt collectors that are here in this complaint, including XXXX, Trans Union, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have sent over XXXX complaints FTC complaints, affidavit of truth, California state, Attorney General complaint, as well as the California, consumer protection and innovation complaint these accounts that are on my consumer report are result of identity theft I repeat identity theft. I have struggled so many times I have legal documentation and in which way Ive had to go to the DMV to change my drivers license number multiple times because of this. Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case Number XXXX Court Docket Number XXXX ) XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under ( 15 US code 1692e- ( 15, US code 1692G ) 15 US code 1681B and ( 15 US code 1681C- 2 ) theyve received the paperwork from the US Justice Department about the fraudulent accounts . The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt XXXXTransunion/XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft 15 US CODE 1681 C-2 ( XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXYou are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXXTRANSUNION/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) -of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. in accordance with ( 18 U.S.C 8 ) and being that you ( XXXXTRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXXTRANSUNION/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDUCATIONXXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HARD INQUIRIES DATE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhis is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/ 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and equifax have been repeatedly warned about these fraudulent accounts that are on my consumer report. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i- procedure in case of disputed accuracy, H.R . 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm- leach-Bliley Act. Transunion and discovery have been repeatedly warned about these fraudulent accounts that are on my consumer report. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
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| 02/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The listed information being provided below is inaccurate I am requesting that the following listed below be immediately removed and or deleted.
XXXX - XXXX XXXX XXXX.
TRANSUNION NATURAL OR DECLARED DISASTER VICTIM.
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$960.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$960.00} {$960.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank XXXX XXXXXXXX XXXX XXXX Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.
Unpaid balance reported as a loss by credit grantor.
Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$960.00} {$960.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$700.00} {$700.00} -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$540.00} {$0.00} {$540.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$540.00} {$540.00} {$540.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.
Unpaid balance reported as a loss by credit grantor.
Consumer disputes this account information Charged off account Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$540.00} {$540.00} {$540.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$300.00} {$300.00} -- XXXX OF MO TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$460.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank All Banks -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
-- -- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$300.00} {$300.00} -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$630.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank XXXX XXXX XXXX Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Unpaid balance reported as a loss by credit grantor.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$300.00} {$300.00} -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$1500.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1500.00} {$1500.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank All Banks -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved; reported by XXXX Account was in dispute - now resolved - reported by subscriber.
Unpaid balance reported as a loss by the credit grantor.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$1500.00} {$1500.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$1100.00} {$1100.00} -- TX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$22000.00} {$22000.00} {$22000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Closed Paid Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Credit Union Credit XXXX XXXX XXXX Account XXXX XXXX Closed Closed Open Payment Status : Current Late 120 Days Current Creditor Remarks : Closed -- Consumer disputes- reinvestigation in progress Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan -- XXXX XXXX XXXX XXXX ( every month ) -- -- Credit Limit : -- -- -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX CONNS TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX Balance : {$2200.00} {$2200.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1600.00} {$1600.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Home/Office Furnishings Miscellaneous Finance -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$1600.00} {$1600.00} -- Account Type : Secured loan Secured loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX High Balance : {$10000.00} {$10000.00} {$3100.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2400.00} {$2400.00} {$2400.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank All Banks All Banks Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX balance reported as a loss by the XXXX XXXX.
Charged off account Amount in high credit original charge-off amount Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$2400.00} {$2400.00} {$2400.00} Account Type : Auto Loan Auto Loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX -- -- High Balance : {$1400.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$1300.00} -- -- Closed Date : XXXX -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Finance/Personal -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Charged off as bad debt Profit and loss write-off -- -- Payment Amount : {$140.00} -- -- Last Payment : XX/XX/XXXX -- -- Term Length : XXXX ( XXXX ) -- -- Past Due Amount : {$1300.00} -- -- Account Type : Note loan -- -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$2500.00} {$2500.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$2000.00} {$2000.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Credit Union Credit Unions -- Account Status : Closed Closed -- Payment Status : XXXX XXXX XXXX XXXX Remarks : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the XXXX XXXX.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$2000.00} {$2000.00} -- Account Type : Unsecured loan Unsecured loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- Collection Accounts : Accounts seriously past due PORTFOLIO XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX -- High Balance : {$280.00} {$280.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$280.00} {$280.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
-- Original Creditor : XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX. -- Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX -- -- High Balance : {$420.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$420.00} -- -- Closed Date : -- -- -- Account Rating : Derogatory -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Open -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Account information disputed by consumer, meets FCRA requirements -- -- Original Creditor : XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- --
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| 06/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX Account Number : XXXX Delete this account.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX XXXX XXXX FALSE OR MISLEADING REPESENTATIONSXXXX XXXX Account Number : XXXX Please remove it from my credit report.
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report Chapter 7 Bankruptcy Case Number : XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation. ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR AL
L ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up
one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Ve
rify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my
rights under the FCRA. 1. XXXX XXXX Account Number : XXXX I was looking over my credit report and noticed this account I do not recognize. I request for you to send verification and validations of this account if you can not. I demand you remove this account.
2. XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
3. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
4. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
5. XXXX XXXXXXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
6. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
7. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
8. XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
9. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
10. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
11. XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
12. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
13. The following personal information is incorrect Account Number : XXXX XXXX XXXX This employer belongs to someone else. Delete it from my report immediately.
14. The following personal information is incorrect Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
15. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
16. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
17. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 09/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My Only First & Last Name : XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX The last 4 of my SSN # XXXX My Only XXXX XX/XX/XXXX I have asked for proof of ( metro2compliance ) proof of original sign Consumer contract, proof of identity, proof of signature on any of the alleged debt three times nowIve sent paper work and complaints from the US Justice Department ( XXXX ) CFPB COMPLAINTS ) - ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH - CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED TO -TRANUNION-XXXX ( 15USC 1681 a ( d ( 2 ] ( A ) ( i ) -clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. TRANUNION- XXXX IS reporting this information.. The reporting of excluded information pursuant to ( 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of ( Metro2 compliance ). Provide me with the ( Metro2compliance ) -disclosure on reporting transactions to a consumer reporting agency. ( FRAUDULENT INQUIRIES ) AND any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that these inquiries has been validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. ( FRAUDULENT INQUIRIES ) NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT Thus TRANUNION-XXXX -other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file -IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved I [ XXXX XXXX XXXX XXXX issue this urgent and non- negotiable Affidavit of Truth. I am the original creditor, lender, executor, and administrator for all matters concerning my name and its derivatives. I act in public and private capacities and conduct business as [ XXXX XXXX XXXX [ I also serve as my agent and attorney-in-fact in all relevant matters. Oath and Declaration Under penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. Any failure to acknowledge this affidavit will be considered bad faith. Privacy Rights : Immediate Action Required My right to privacy, as explicitly protected by the Fair Debt Collection Practices Act, has been egregiously violated. I demand the immediate and complete removal of my personal information from your website, company records, and any affiliated entities. Failure to comply will result in further legal action. Legal Violations and Reasons : Cease and Desist I allege that TRANUNION-XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. FRAUDULENT INQUIRES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] > [ Unauthorized inquiries ] to my consumer report ; demand for Deletion and {$1000.00} Settlement.
To : TRANUNION- XXXX You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -for unlawfully obtaining my " TransUnion '' consumer report on without my authorization or a permissible purpose under the [ 15 USC 1681 ] Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose.
" A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section.
2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d711 ( S.D. Ind. 2003 ).
15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections < 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.
Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.
Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.
Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.
Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.
Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization.
2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data.
3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing.
4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations.
5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.
Non-Consent and Settlement : Final Warning and Unambiguous Clarification I categorically and unequivocally reject any offers to contract or legal proceedings to which I have not explicitly and formally consented. The concept of " consent '' is a fundamental aspect of consumer protection laws, which often require explicit consent for activities like data collection and sharing personal information.
Any attempt to impose contracts or proceedings upon me without my explicit consent will be considered a flagrant violation of my rights under consumer protection laws, including the Fair Credit Reporting Act ( FCRA ).
I require immediate subrogation of the bond to settle any charges against me, effective immediately. For absolute clarity, " subrogation of the bond '' refers to a legal process where I assume the legal rights to collect a debt or claim. If there are any financial claims or charges against me, I demand that they be settled immediately using any security or insurance that may have been posted on my behalf.
Failure to comply with these non-negotiable terms will be considered an act of bad faith. It will result in immediate legal action, including but not limited to lawsuits, penalties, and other legal remedies at my disposal. Consider this not just a final warning but an ultimatum. THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. : ( I DID NOT AND DO NOT CONSENT these companies TRANSUNION-XXXX THIER FRAUDULENT PRACTICES BY furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by -TRANUNION-intothe ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.- ( 15 U.S. Code 1681c- 2 ) - : Block of information Resulting from identity theft ) Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, - ( Validation requires- presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account . Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy :
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| 07/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ALL FTC VIOLATIONS XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX NOT MY ADDRESSES Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 38 Months Monthly Payment -- Responsibility Individual Account.
Balance {$3400.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$3400.00} Times 30/60/90 Days Late 1/1/3 Remarks Charged off account XX/XX/XXXX Creditor Name XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 48 Months Monthly Payment -- Responsibility Individual Account.
Balance {$4600.00} Highest Balance XX/XX/XXXX Creditor Name XXXX XXXX Account Type Charge Account Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$1900.00} Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$1600.00} Highest Balance XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XXXX XXXX, XXXX Limit -- Term 24 Months Monthly Payment -- Responsibility Joint Account Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account.
Balance {$2500.00} Highest Balance {$2400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Fixed rate Payment History Latest Status : Current XXXX OK OK OK OK XXXX OK OK OK OK OK OK OK OK U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$2300.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account.
Balance {$2300.00} Highest Balance {$2300.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Fixed rate Payment History Latest Status : Current XXXX OK OK OK OK XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$18000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 300 Months Monthly Payment -- Responsibility Individual Account.
Balance {$18000.00} Highest Balance {$15000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX XXXX XXXX OK OK XXXX OK OK U U U OK OK OK OK OK OK OK XXXX OK OK U OK U OK OK U U OK OK OK XXXX U OK OK OK OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late 120 120-149 Days Late U Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$33000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 77 Months Monthly Payment {$880.00} Responsibility Joint Account Balance {$33000.00} Highest Balance {$34000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX, XXXX Amount Past Due -- Times 30/60/90 Days Late 5/6/0 Remarks Affected by natural disaster Payment History Latest Status : Current XXXX OK OK 30 30 XXXX OK OK OK 30 60 30 60 60 30 60 60 60 XXXX OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late 60 60-89 Days Late Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX {$35000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Auto Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment {$690.00} Responsibility Individual Account.
Balance {$35000.00} Highest Balance {$46000.00} Payment Status 30-59 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$690.00} Times 30/60/90 Days Late 3/4/0 Remarks Affected by natural disaster Fixed rate Payment History Latest Status : 30-59 Days Late XXXX OK OK OK OK XXXX OK OK OK OK OK 30 60 30 60 30 60 60 XXXX OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late 60 60-89 Days Late Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX, IN {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX, IN Account Type Note Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 15 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$1400.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/1/2 Remarks -- Payment History Latest Status : Current XXXX 90 120 OK OK OK XXXX U OK OK OK OK OK OK OK OK OK 30 60 XXXX OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late 120 120-149 Days Late U Unknown 30 30-59 Days Late 60 60-89 Days Late Creditor Contact Details XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX , LA XXXX ( XXXX ) XXXX XXXX XXXX {$1700.00} XX/XX/XXXX Creditor Name XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 26 Months Monthly Payment -- Responsibility Individual Account.
Balance {$1700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$1700.00} Times 30/60/90 Days Late 3/1/2 Remarks Charged off account Payment History Latest Status : Collection/Charge-Off XXXX 120 XX/XX/XXXX OK OK 30 30 OK OK OK OK OK 30 60 90 XXXX OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Days Late 30 30-59 Days Late 60 60-89 Days Late 90 90-119 Days Late Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Credit Card Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1000.00} Term -- Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$1000.00} Payment Status 30-59 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks Variable/adjustable Last Reported XX/XX/XXXX Creditor Name US DEPT. OF EDUCATIO Account Type Education Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$14000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/8 Remarks -- XXXX XXXX XXXX XXXX Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XXXX XXXX Inquiry Type : Credit Unions XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX Creditor Contact Details XXXX XXXX XXXXXXXX XXXX XXXX CT XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX XXXXXXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX, XXXX Creditor Contact Details XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX XXXX Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX CT XXXX, XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Personal Loans Cos.
XXXXXXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Creditor Contact Details PELICAN STATE CREDIT XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX XXXX Contact Details XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : All Banks XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXXXXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Auto Financing XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date XXXX XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX ( XXXX ) XXXX Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX Inquiry Date XXXX XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Automobile Dealers, New XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX No contact information has been reported by this creditor.
Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX XXXX Creditor Contact Details XXXX XXXX XXXX XXXX contact information has been reported by this creditor.
Inquiry Date : XX/XX/XXXX Removed By* : XX/XX/XXXX Inquiry Type : Credit Unions XXXX XXXX ALL THE INQUIRY COLLECTION : FTC XXXX XXXX XXXX Opened XX/XX/XXXX + {$120.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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It has come to my attention that XXXX XXXX XXXX, VIA XXXX XXXX XXXX, a third party intervener are both currently in violation of XXXX XXXX XXXX XXXX XXXX which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
XXXX XXXX XXXX, VIA XXXX XXXX XXXX, a third party intervener has been in violation of this Act and has been regularly reporting negative activity without my consent, and has caused irreparable harm and injuries to me, despite the fact the there is no signed contract between myself and XXXX XXXX XXXX in violation of the abovementioned Act and as stated in 15 U.S. Code 6801 - Protection of nonpublic personal information which states : ( a ) Privacy obligation policy - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards - In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
In addition to 15 U.S. Code See Also 6805 Enforcement ( a ) WHICH STATES THAT : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ XXXX XXXX. XXXX et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, and ( b ) ENFORCEMENT OF SECTION 6801 ( 1 ) Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Therefore, it is within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ) to enforce this/these Act ( s ) to ensure the protections of all consumers.
SEE ALSO 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information under : ( a ) Notice requirements which states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
According to 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( e ) Time to comply with opt out. Which states that : You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it., and 16 CFR 313.7 ( f ) Continuing right to opt out, which also states that A consumer may exercise the right to opt out at any time, and 16 CFR 313.7 ( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As stated herein, as well as the enclosed letter which clearly signifies my right to opt out as stated in 6802 ( b ) : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX VIA XXXX XXXX XXXX, is a third-party intervener who has never disclosed this information to enable me as the consumer the opportunity to exercise the abovementioned Opt out rights afforded to me.
XXXX XXXX XXXX, VIA XXXX XXXX XXXX, a third party intervener was ultimately sold the debt by XXXX XXXX XXXX and filed a Court Action against me to sue me in the XXXX XXXX XXXX NXXXX XXXX XXXX XXXX CIVIL PART ( SEE EXHIBIT XXXX XXXX pages ) despite the fact that XXXX XXXX XXXX is a third party intervener, an mandatory arbitration clause in the agreement made between myself and XXXX XXXX XXXX, and the fact there is NO signed contract/agreement between me and XXXX XXXX XXXX but nevertheless still XXXX XXXX XXXX via XXXX XXXX XXXX a third-party intervener continues to report the above-mentioned account as a COLLECTION to all of the major credit reporting agencies. This ongoing negative reporting is causing irreparable injury, embarrassment, emotional damage, stress and humiliation to me and my family by being denied of credit and my ability to prosperously move forward financially in life by their violations of the laws stated herein. It is also illegal to report any negative transaction history to the major credit reporting agencies which XXXX XXXX XXXX, VIA XXXX XXXX XXXX, a third-party intervener continues to illegally report to this day.
XXXX XXXX XXXX - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
XXXX XXXX XXXX - Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose non-public personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
Please take notice that the Notice listed above is nowhere on any agreement between XXXX XXXX XXXX via XXXX XXXX XXXX a third-party intervener and myself as the consumer, because there is not now, nor was there ever a signed contract/agreement made between XXXX XXXX XXXX and myself as the consumer which is a clear violation of the above sited Regulations which has caused myself and my family irreparable injury, harm and undue financial hardship which continues to this very day.
XXXX XXXX XXXX - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).
( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of XXXX XXXX part XXXX with respect to such contract provided the contract does not cut off consumers ' claims and defenses.
( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in XXXX XXXX XXXX.
( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.
( XXXX ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract.
It is for the reasons stated herein and the protection of my rights as a consumer is why I am entitled to the remedy and relief sought in the form of XXXX XXXX XXXX via XXXX XXXX XXXX correcting the record by removing all negative reporting, and negative credit history from any and all credit reporting agencies records, including but not limited to XXXX, XXXX, Transunion, and financial compensation for the violations committed by both XXXX XXXX XXXX and XXXX XXXX XXXX which has caused irreparable harm, embarrassment, humiliation, mental anguish and undue financial hardships committed against me for which compensation in the amount of {$5000.00} ( XXXX XXXX XXXX ) each by both parties should be granted in my favor.
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| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to dispute the information reported by XXXXXXXX XXXX XXXXXXXX on my credit report. Specifically, the information reported by this creditor regarding my account number XXXX is inaccurate and violates several provisions of the Fair Credit Reporting Act ( FCRA ).
According to XXXX, my payment status is 60 days late, while TransUnion shows no late payments. Additionally, TransUnion reports a monthly payment balance of {$180.00}, whereas XXXX shows it was {$240.00}. There is also a discrepancy in the reported account balance, with TransUnion reporting a balance of {$5500.00} and XXXX reporting {$5500.00}. Furthermore, TransUnion reported a last reported date of XX/XX/XXXX, while XXXX reported XX/XX/XXXXXXXX
XXXXXXXX XXXX XXXX XXXX reporting of inaccurate and inconsistent information violates several provisions of the FCRA. Section 607 ( b ) requires that credit reporting agencies follow reasonable procedures to ensure the accuracy of consumer credit reports, while Section 607 ( c ) requires that credit reporting agencies include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness. Section 611 ( a ) requires credit reporting agencies to provide consumers with a free copy of their credit report once every 12 months, upon request, and Section 623 ( a ) ( 2 ) requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers.
XXXX XXXX XXXX XXXX XXXX on my credit report. According to TransUnion, the monthly payment balance for my account is {$0.00}, but XXXX and XXXX did not report the same information. Additionally, XXXX reported a charge off status for my account, which I never received any notification about, and the other two bureaus did not report any negative information on my account.
These discrepancies have had a significant impact on my life. As a result of the inaccurate reporting, I have been denied credit and loans that I desperately needed. I have also been forced to pay higher interest rates and fees on the credit and loans that I have been able to obtain.
It is my understanding that XXXX XXXX XXXX XXXX may have violated several provisions of the FCRA, including Section 607 ( b ), Section 607 ( c ), and Section 623 ( a ) ( 2 ), by reporting inaccurate and incomplete information to the credit reporting agencies and failing to investigate and correct inaccuracies brought to their attention by consumers.
XXXX XXXX for inaccurate reporting on my credit report. According to XXXX and XXXX, I was 120 days late on my account XXXX on XX/XX/XXXX, but I did not miss any payments on this account. Additionally, XXXX and XXXX are reporting a charge off status, but I never received any notification or paperwork regarding this status.
Furthermore, the reported Date Last Active date on XXXX is XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX. This discrepancy raises questions about the accuracy of XXXX XXXX 's reporting.
I believe XXXX XXXX may have violated Section 607 ( b ) and 607 ( c ) of the FCRA by reporting inaccurate information to XXXX and XXXX, which could negatively impact my creditworthiness. I also believe they may have violated Section 623 ( a ) ( 2 ) of the FCRA by not providing any notification or paperwork regarding the reported charge off status.
XXXX XXXX XXXX XXXX provided to TransUnion and XXXX credit reporting agencies. According to the report, I was 30 days late on my account with account number XXXX on XX/XX/XXXX. However, I did not miss any payment on this account. The Last Reported date is also different on the reports from TransUnion and XXXX compared to XXXX.
I believe that XXXX XXXX Bank may have violated Section 607 ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit reports. By reporting inaccurate information to TransUnion and XXXX, XXXX XXXX XXXX may have negatively impacted my creditworthiness.
Furthermore, XXXX XXXXXXXX XXXX may have also violated Section 623 ( a ) ( 2 ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. XXXX XXXX XXXX did not provide any notification or paperwork to me regarding the reported 30 days late payment status, which could result in me being unaware of the negative impact on my credit report.
XXXX XXXX XXXX The account number associated with the errors is XXXX. According to TransUnion and XXXX, the balance on the account is {$0.00}, but XXXX has not reported the same. Additionally, TransUnion and XXXX have reported a high credit balance of {$1200.00}, but XXXX has not. All three credit bureaus have reported the payment status as a charge off, but I have never received any notification or paperwork regarding this charge off account.
I believe that XXXX XXXX XXXX may have violated several sections of the FCRA, including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of consumer credit reports. In this case, XXXX XXXX XXXX may have reported inaccurate information to XXXX, failing to report a balance of {$0.00}, and reporting a high credit balance of {$1200.00} to TransUnion and XXXX, which could negatively impact my creditworthiness.
Furthermore, Section 607 ( c ) of the FCRA requires credit reporting agencies to include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness. XXXX XXXX XXXX may have violated this section by not reporting accurate information to XXXX and reporting a high credit balance of {$1200.00} to TransUnion and XXXX.
Finally, Section 623 ( a ) ( 2 ) of the FCRA requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. XXXX XXXX XXXX may have violated this section by reporting inaccurate information to all three credit bureaus and not providing me with any notification or paperwork regarding the reported charge off status, which has negatively impacted my credit report and my ability to access credit.
XXXXXXXX XXXX XXXX XXXX Specifically, I am concerned about the reporting of a due status of 150 days to XXXX without any notification or paperwork provided to me.
As a result of this inaccurate reporting, my credit score has been negatively impacted, making it difficult for me to obtain credit and loans at reasonable rates. This has been particularly devastating for me as I have been trying to secure a loan to pay for my child 's college tuition.
I believe XXXXXXXX XXXX may have violated Section 623 ( a ) ( 2 ) of the FCRA, which requires credit reporting agencies to investigate and correct any inaccuracies in consumer credit reports brought to their attention by consumers. Additionally, there may be a potential violation of Section 607 ( c ) of the FCRA, which requires credit reporting agencies to include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness.
dispute the presence of US Dist Ct XXXX on my credit report. To the best of my knowledge, this account does not belong to me and I am requesting that it be immediately removed from my credit file.
This error has had a significant impact on my life. I have been trying to obtain a loan for a home for the past several months, but my applications have been denied due to the presence of this account on my credit report. I have also been turned down for credit cards and other types of financing, which has made it difficult for me to manage my finances and meet my daily expenses.
I believe that there may be a potential violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, as US Dist Ct XXXX may have been reported inaccurately to the credit bureaus without any reasonable investigation being conducted. This has resulted in the inclusion of erroneous information on my credit report, which has had a negative impact on my creditworthiness.
Additionally, there may be a potential violation of Section 607 ( c ) of the FCRA if US Dist Ct XXXX did not accurately report information to all three credit bureaus. This section requires credit reporting agencies to include all relevant information in consumer credit reports and prohibits the exclusion of any information that would reflect negatively on the consumer 's creditworthiness.
The account in question is with US Dist Ct XXXX, and I am dumbfounded by how it was verified by your agency when the other bureaus could not. I am requesting that you remove this inaccurate information immediately from my credit report.
I believe that there may be a potential violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct a reasonable investigation of any dispute of the completeness or accuracy of any information contained in a consumer 's credit report. If the credit reporting agency determines that the disputed information is inaccurate or incomplete, it must promptly correct or delete the information.
It is possible that your agency verified the account with US Dist Ct XXXX without conducting a reasonable investigation, which could be a violation of this section of the FCRA.
U.S. Bankruptcy Court XXXX account that is listed as belonging to me. To the best of my knowledge, this account does not belong to me, and I request that it be removed from my credit file immediately.
I believe that this information may have been reported to the credit bureaus without proper verification, which may be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA. As a result of this inaccurate information, my credit score has been negatively impacted, which has made it difficult for me to obtain credit and has caused significant stress and financial hardship in my life.
I am a single mother who has worked hard to maintain a good credit score, and this error has had a significant impact on my ability to provide for my family. I have been denied credit, including a loan to purchase a car that I desperately need to commute to work and take my children to school and appointments.
U.S. Bankruptcy Court XXXX. The reporting of this account is inaccurate, and it needs to be removed immediately from my credit report. I have already contacted other credit bureaus, and they have removed it. However, U.S. Bankruptcy Court XXXX continues to report this information on my credit report.
The inaccuracies on my credit report have had a significant impact on my life. I have been denied credit, insurance, and even employment opportunities because of these inaccurate reports. It has caused me emotional distress and anxiety, and I have suffered financial losses as a result.
I believe that U.S. Bankruptcy Court XXXX has violated the Fair Credit Reporting Act ( FCRA ). According to Section 607 ( b ) of the FCRA, credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report. If the reported information is inaccurate, incomplete, or not verifiable, it may be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to conduct a reasonable investigation of any dispute of the completeness or accuracy of any information contained in a consumer 's credit report. If the credit reporting agency determines that the disputed information is inaccurate or incomplete, it must promptly correct or delete the information.
It is possible that U.S. Bankruptcy Court XXXX failed to verify the accuracy and completeness of the information they reported on my credit report, which could be a violation of the FCRA. I request that you investigate this matter thoroughly and enforce the legal regulations that U.S. Bankruptcy Court XXXX is required to comply with.
Therefore, I request that U.S. Bankruptcy Court XXXX remove this unverified account from my credit report as soon as possible.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX XXXXXXXX XXXX and TransUnion on any of my consumer report to provide and exchange any information to each other.
TransUnion is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX - DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent TransUnion a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX XXXX XXXX exchanged my personal information WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, Trans Union, XXXX with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, TransUnion is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX XXXX XXXX or TransUnion, the permission Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX XXXXXXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. TransUnion is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. TransUnion IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX XXXXXXXX XXXX or TransUnion to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX XXXX XXXX by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. TransUnion XXXX XXXX XXXXXXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my XXXX CFR XXXX Opt-Out notice TransUnion and XXXX XXXX XXXXXXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that TransUnion and XXXX XXXX XXXX XXXX is abusing and violating.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
In XXXX XXXX ABS-15G XXXX XXXX My application and account is made into a asset back security due to them filing with the sec a asset back securitizer ABS-15-G. XXXX XXXX is taking my Principal amount and securities interest is being deposited in to their trust. My application and account was already sold and transferred according to their ABS -15G REPORT.
Rule 15Ga-2 under the Exchange Act ( 17 CFR 240.15Ga-2 ) for the reporting period XXXX XXXX checked this box which on the ABS-15-G. XXXX XXXX is currently making money off my account transferring the securities form XXXX XXXX XXXX XXXX XXXXXXXX XXXX . From the secuirties exchange of 1934 SEC. 15G. ( 78o11 ) CREDIT RISK RETENTION. ) the term securitizer means ( A ) an issuer of an asset-backed security ; or ( B ) a person who organizes and initiates an asset- backed securities transaction by selling or transferring as- sets, either directly or indirectly, including through an af- filiate, to the issuer ; and ( 4 ) the term originator means a person who ( A ) through the extension of credit or otherwise, cre- ates a financial asset that collateralizes an asset-backed security ; and ( B ) sells an asset directly or indirectly to a securitizer. XXXX XXXX is keeping the securities intrest and principal that is suppsose to be deposited into my account. According to the sec of 1934 Not later than 270 days after the date of enactment of this section, the Federal banking agencies and the Commission shall jointly prescribe regulations to require any securitizer to retain an economic interest in a portion of the credit risk for any asset that the securitizer, through the issuance of an asset-backed security, transfers, sells, or con- veys to a third party.
I was never given the opportunity to make residual income off of my securities. Yet XXXX XXXX is saying I owe them and has charged off my account which they have made money off of by selling and transferring my securities. This account MUST be deleted now. Along with the rest of the consumer laws that XXXX XXXX has broken. Which is listed further down in my letter.
The Sarbanes-Oxley Act of 2002 section 109 XXXX XXXX is saying they are abiding by this rules and practice of this act to. Protect its Every issuer which has a class of securities registered pur- suant to section 12 of this title and every issuer which is required to file reports pursuant to section 15 ( d ) of this title shall ( A ) make and keep books, records, and accounts, which, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the issuer ; ( B ) devise and maintain a system of internal accounting controls sufficient to provide reasonable assurances that ( i ) transactions are executed in accordance with man- agements general or specific authorization ; ( ii ) transactions are recorded as necessary ( I ) to permit preparation of financial statements in conformity with gen- erally accepted accounting principles or any other criteria applicable to such statements, and ( II ) to maintain ac- countability for assets ; ( iii ) access to assets is permitted only in accordance with managements general or specific authorization ; and ( iv ) the recorded accountability for assets is compared with the existing assets at reasonable intervals and appro- priate action is taken with respect to any differences ; and ( C ) notwithstanding any other provision of law, pay the al- locable share of such issuer of a reasonable annual accounting support fee or fees, determined in accordance with section 109 of the Sarbanes-Oxley Act of 2002.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off and late for false and misleading reporting Respectfully, Respectfully, XXXX XXXX
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| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights.
6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and
or CRSA CDIA Metro 2 COMPLIANT reporting.
I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately!
THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO THE CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA COMPLIANCE, AND OR METRO 2 COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and one even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Might it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting one or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
iv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
viii ) Your reporting is unproven to be of CRSA enacted CDIA METRO 2 DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation.
1. Tell me in writing what information you refuse to remove and why.
2. Tell me in writing what you did to determine that the information was accurate. 3. Note the in-formation as disputed BY the CONSUMER on my credit report.
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| 11/08/2022 |
Yes |
- Debt collection
- Auto debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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original complaint '' FTC REPORT NUMBER - XXXX attorney General complaint number - XXXX Agreement # : XXXX VIN XXXX after thoroughly reading through the " agreement '' it appears that this is indeed the security interest that was fraudulently given to " XXXX XXXX XXXX' because XXXX XXXX assigned it to them without recourse. Also I was also unaware of this swap when I was purchasing the vehicle, and was never told or made aware of these disclosure. Full disclosure being one of the main things in contract law. here are actually 8 things needed in order for a contract to be legitimate. pursuant to Law merchant and negotiable instruments law. pursuant to 15 USC 1692g - debt validation, I the natural person and federally protected consumer would like to know who the original creditor is of this alleged debt. pursuant to 15 USC 1692g, after requesting the name of the original creditor you must cease all collection activities, including but not limited to, verification of this debt and or a judgement. this must be mailed to me the natural person and consumer. any and all payments made or sent out to this company must be IMMEDIATELY sent back to me the natural persona and federally protected consumer, at the address XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX also pursuant to 15 USC 1692 ( c ) - admission of liability, " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' 15 USC 1605- Accepting cash down payment also pursuant to 15 USC 1605 - determination of a finance charge, XXXX XXXX XXXXXXXX XXXX XXXX took a down payment of {$3000.00} from the consumer, when it clearly states that any transaction that is an extension of consumer credit is suppose to be 100 percent In credit. it can not be a mix of credit and cash. This must be sent back to my address at your earliest convenience, via check, I will be filing a complaint with the attorney general pertaining to the fraud that has transpired with this transaction. 15 USC 1605 - Details Finance charge defined Intrest Service charge or carrying charge Loan fee, finders fee or similar charge Fee for investigation or credit report Premium or other charge for guarantee or insurance protecting the creditor against the obligors default or other credit loss Gap insurance or regular insurance pursuant to the Supreme Court case " fraud vitiates the most solemn contract, documents, and even judgements '' [ XXXX XXXX XXXX, XXXX XXXX XXXX pg. XXXX ] XXXX. ) A consumer contract is not sufficient evidence of a debt [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) ] XXXX XXXX XXXX - civil liability for negligent noncompliance 15 USC 1681n - Civil Liability for willful noncompliance 15 USC 1611 - Criminal liability for willful and knowing violation 12 USC 411 - everything isa government obligation 12 USC 83 - Banks can not lend their own money 18 USC 8 - Obligation or other security of the United States defined 31 USC 1602- you can discharge all debts and tender of payment does not have to be illegal tender UCC 3-104 - explains what a negotiable instrument is UCC 3-311- Explains what satisfaction by use of instrument is UCC 3-602- explain what a payment is UCC 3-603 - explains what tender of payment is 1681b ( a ) ( 2 ) - no consent to furnish any of my private information 15 USC 1666b - timing of payments 15 USC 1692 ( c ) ( a ) - no prior consent was given to this debt collector 15 USC 1692d- definition of the word consumer 15 USC 1692e- False and misleading representation 15 USC 1692 ( a ) ( 4 ) - Definition of a creditor 15 USC 1692e - False and deceptive information ( 15 USC 1692 D 2 ) - Obscene & Profane language Right of Rescission ( 15 use 1635 A ) was missing in the contract 100, and I was never told of my right to remind my consumer liability. this federal law states that two times the finance charge must be paid if it is found that the corporation is in violation of this federal statute, federal codified law. Pursuant to 15 USC 1640 ( 2 ) ( A ) ( i )- which states " in the case of an individual action twice the amount of any finance charge in connection with the transaction, " also in 15 USC 1640 ( a ) ( 1 ) - which states " any actual damage sustained by such person as a result of the failure ; " the truth in lending act, Regulation Z, states clearly that the cost of how much the credit will cost me must be on the contract that I sign and ready to be read and comprehended by anyone reading said contract. It also states in the United States Manual styles that " anything in box on any form, is in reality not on that form '' so the truth in lending act may seem to be upheld in the contract, however, after careful scrutiny only the fallacy of the information is really being agreed upon. also I entered into this contract with bonafide god faith, that there would be an even exchange of goods. '' [ FOLLOW UP REBUTTAL ] You claim not to be a debt collector yet federal specifically states the actions you are taking are indeed, by definition, a violation of The United States Code 1692a ( 6 ).
I have taken the liberty of providing an excerpt of the cited federal law.
( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor.
In this excerpt it is vivid what the exceptions are for which to be excluded from being labeled a debt collector. Sadly XXXX XXXX does not fall under pretenses of the exclusion list ; henceforth labeling this corporation and its practices as a debt collector.
You also made mention of the court case XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( XXXX ) This case fails to address two major points that still point the finger at your corporation falling under the Fair Debt Collection Practices Act ( FDCPA ). Your corporation is still a 3rd party. Which means your financial institutions continues to fall under the umbrella term of debt collector On another note you made mention of repossession of the my property pursuant to On another note you made mention of a retail installment contract which i have so graciously provided as evidence of your fraud. 15 USC 1692j states the furnishing of deceptive forms and this fraudulently crafted consumer credit contract was made to appear like a retail installment agreement. When taking into account contract law and what is really going to be litigated the text within the boxes appears blank, So realistically speaking on every page where there is a big box and just a signature outside of the box the judge will only see my signature and a blank page. This idea is also reaffirmed in the United States Manual styles book where in court anything that is out within ( ), parenthesises, brackets [ ], or is within a box is actually not on the page.
So in reality the retail installment agreement is really a contract that was crafted for me to give XXXX XXXX a security interest in the actual tangible property. Henceforth, XXXX XXXX has committed contract fraud and is since the inception of this extension of credit, in breach of contract because there in reality was never a full disclosure of terms from XXXX XXXX to the consumer. Lastly confirming once more that XXXX XXXX was and still is a 3rd party debt collector to a transaction they did not originate, but were assigned without recourse from XXXX XXXX XXXX.
Pursuant to 12 USC 8, the job of a bank is not to lend money. So XXXX XXXX also has a fraudulent security interest in the title to the actual property.
15 USC 1692e - false or misleading representations ( 2 ) the false representation of - A. The character, amount, or legal status of any debt ( 4 ) the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) the threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) the false representation or implication that a sale, referral, or other transfer of any interest In a debt shall cause the consumer to - A. Lose a claim or defense to payment of the debt of B. Become subject to any practice prohibited by this sub chapter.
Now in the rebuttal XXXX XXXX sent me, when this debt was being disputed they said they were trying to repossess the automobile and that pursuant to the fraudulent security interest I signed thinking I was doing a bona fide extension of consumer credit turned out to be fraud.
I have been the victim of fraud fact ;, I have been abused by a debt collector engaging in unfair practices, fact ; Pursuant to 15 USC 1692a ( 2 ) the term communication means any conveying of information regarding a debt directly or indirectly to any person through any medium.
Any meaning no restriction, and medium includes any oral, written, electronic, or other medium. Therefore, sending statements, letters congratulating the consumer of their new vehicle purchase, responding back to these complaints pushing the agenda that these alleged debts are indeed owed. Reporting this information on my consumer credit report pertaining to the details of the transactions or payments is a violation of the Fair Debt Collection Practices Act ( FDPCA ).
Pursuant to 15 USC 1692c ( c ) I am hereby providing you formal notice to cease any further communications regarding this account immediately. This includes but is not limited to phone
calls, emails, social media, or any Consumer Reporting Agency.
Any future correspondences from your corporation, with the exception of communication of you confirming your acknowledgement of this letter, is in violation of the fair Debt Collection Practices Act.
If you do not cease communication a affidavit will be drafted containing attached documents and correspondences and a lawsuit will be commenced upon you.
CFPB complaint number : XXXX,
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CERTIFIED MAIL RETURN RECEIPT REQUESTED [ Tracking No. ] XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Credit Report Disputes XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please be advised that this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not and did not verify any of the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation and through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you don't have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. You say that you have reinvestigated these accounts but you've admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation of 1681 ( a ) ( 4 ). I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA- you are required to ..promptly DELETE all information which can not be verified. '' | request that you do this immediately.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that you delete all of the accounts listed below immediately. Please provide me with a copy of an updated and corrected credit report showing that these items have been deleted.
Name of Account : Account Number : Provide Physical Proof of Verification Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your TransUnion report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 163 % of your account 's limit.
Balance {$860.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 70 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$610.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes after resolution Charged off account Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR?
We've sent your dispute request to TransUnion, and we'll let you know when it's complete.
GO TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 105 % of your account 's limit.
Balance {$780.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs ) Payment History Youve made 83 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$780.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes this account information Charged off account Account closed by credit grantor Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR?
We've sent your dispute request to TransUnion, and we'll let you know when it's complete.
GO TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 106 % of your account 's limit.
Balance {$4700.00} Credit limit $ XXXX Monthly payment {$140.00} Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 100 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status 30-59 Days Late Amount past due {$190.00} Worst Payment Status 30-59 Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Account closed by credit grantor Account previously in dispute - Now resolved by data furnisher Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX You could dispute an error with XXXX SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
GO TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 107 % of your account 's limit.
Balance {$4200.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yr, XXXX mos ) Payment History Youve made 70 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$4200.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes after resolution Charged off account Account closed by credit grantor Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX You could dispute an error with XXXX SEE AN ERROR?
We've sent your dispute request to TransUnion, and we'll let you know when it's complete.
GO TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX You're currently using 144 % of your account 's limit.
Balance {$860.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History XXXX made 86 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$860.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes this account information Charged off account Account closed by credit grantor Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR?
We've sent your dispute request to TransUnion, and we'll let you know when it's complete.
GO TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 133 % of your account 's limit.
Balance {$2800.00} Credit limit $ XXXX Monthly payment No Info Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 78 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$1000.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Consumer disputes after resolution Charged off account Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR?
We've sent your dispute request to TransUnion, and we'll let you know when it's complete.
GO TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 92 % of your account 's limit.
XXXX {$910.00} Credit limit $ XXXX Monthly payment {$45.00} Opened XXXX. XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 77 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status 120+ Days Late Amount past due {$910.00} Worst Payment Status 120+ Days Late Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks 120 Days past due Times 30/60/90 days late XXXX Closed XXXX XXXX, XXXX You could dispute an error with XXXX SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
GO TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You're currently using 149 % of your account 's limit.
Balance {$590.00} Credit limit $ XXXX Monthly payment No Info Opened XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 80 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX XXXX, XXXX Current Payment Status Charge-off Amount past due {$590.00} Worst Payment Status Charge-off Account Details Account status Closed Type Credit Card Responsibility Individual Account.
Remarks Charged off account Times 30/60/90 days late XXXX Closed No Info You could dispute an error with XXXX SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
GO TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXYou 're currently using 44 % of your account 's limit.
Balance {$350.00} Credit limit $ XXXX Monthly payment {$6.00} Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Payment History Youve made 97 % of payments for this account on time.
Payment history table, broken down by month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Late Unknown Last payment XXXX. XXXX, XXXX Current Payment Status Current Amount past due {$0.00} Worst Payment Status Current Account Details Account status Closed Type Secured Credit Card Responsibility Individual Account.
Remarks Variable/adjustable Rate Times 30/60/90 days late XXXX Closed XXXX. XXXX, XXXX You could dispute an error with XXXX SEE AN ERROR?
If there's an error on your report, you can submit a dispute.
GO TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquiries When you apply for a new credit account, a hard inquiry will usually get added to your report, which can make a small dent in your score. Here are the inquiries on your XXXX report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15
USC 1681.
These accounts below, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
15 U.S.C 1681c. (a) (5) Section States: no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 (A) (1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX Unspecified. This
inquiry is
scheduled to
continue on record
until XXXX XXXX XXXX XXXX XXXX
I called over and over and they continue to tell me i cannot have them removed.
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| 03/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Older American, Servicemember |
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I am filing a three Credit Reporting Agency complaint the big-3. The subject is the same for each bankruptcy reported on my credit reports. I believe they have not followed the law on reporting, and request the information be deleted. My original disputes with each of them was submitted in writing by certified US Mail, asking only what the FCRA provides consumers can reasonably ask ; ( 1 ) authentication and ( 2 ) verification.
To their credit, they all three responded within the allowed 30-day time frame. However, note the extent and effort put forth in their responses : *************************************************************************************************** XXXX : ( 1 ) Response was ; the company that reported the information has certified to XXXX that the information is accurate. Additional comment, no change.
( 2 ) Thats what I requested in writing, and expected in response ; certification, documentation, and proof to have the information verified directly to me, the consumer. This did not happen.
( 3 ) The FCRA, our nations credit reporting law, established back in XXXX states [ FCRA ] consumers have the right to obtain this information ( 4 ) I was told the company that got the information certified it to XXXX.
( 5 ) I made a lawful demand for certification. The consumer ( myself and any others making the same request ) do not care that an unnamed company says to them, its certified. Were trusting all the CRAs to [ FCRA ] assume a vital role in assembling and evaluating consumer credit and other information on consumers. ss602. ( a ) ( 3 ) a. Their response totally misses the point of the FCRA, ss602. ( a ) ( 2 ) & ( 4 ). As far as Im concerned, XXXX is reporting very negative information on my credit report that they had no part in collecting directly from a source. This in and of itself falls short of the intents of Section 602, Findings and Purpose. All CRAs must work within FCRAs guidelines of [ FCRA ] assure accuracy, preserve the general reputation of consumers, and demonstrate the respect for consumers right to privacy.
( 6 ) Who got the information? What company? Is there proof that anybody verified this negative information BEFORE it was used? Perhaps the answer is, it has never been validated.
( 7 ) Then, no change, meaning, theyve made no changes in the stated information. Hopefully when a responsible consumer writes one of the big-3 with such concerns, they realize theres a real-live family going on at the other end of the letter. Shouldnt XXXX have a better response than the company that reported it says.? To me its the same as if I never submitted a dispute.
( 8 ) Clearly, the CRA failed to obtain documentation to meet the requirements and requests of the consumer. Unacceptable. They deal with this kind of situation all the time.
( 9 ) XXXX has shown its position which equate to several examples of non-compliance of the FCRA. A consequence should be awarded the consumer in this case deletion.
( 10 ) Referring directly to the Fair Credit Reporting Act, ss611. ( a ) : a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
b. Emphasis added : any item, inaccurate, delete such information.
************************************************************************************* TRANSUNION : ( 1 ) Response was ; Information Updated, then they printed the information which looks exactly like the first version of the disputed information saying this is what it looks like now. This is not in keeping with the Title VI, SS602, Findings and Purpose.
a. [ FCRA ] There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy.
i. TransUnions response of information updated is unclear. I had to read the information several times before I saw one item different the name of the alleged court. They changed from the first version to a new version. No mention of verification, no explanation of any investigation, no follow-up, and no supporting documentation as requested.
ii. The information remains unverified, and as such is incorrect.
1. This information is a violation of SS611 ( a ) : ( a ) If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
( b ) Emphasis added : inaccurate, delete such information.
( 2 ) Procedure in case of disputed accuracy a. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status. Ss611. ( a ) i. TransUnion was obligated to conduct a thorough, validating re-investigation. Obligated to prove what theyd written in my credit report. Why? Because the consumer followed the law challenging the information, challenging its validity, depending on them to do their jobs and meet certain mandates.
ii. This amounts to nothing more than TransUnion following their normal standard operating procedures following the laws of the FCRA, its their business.
iii. They did not do this. They simply replied a change was made.
iv. Obviously, a change was made, a name. However, TransUnion failed in a major way by short-shirting its responsibilities and not living up to the expectations of the federal law.
v. A remedy should favor support by the CFPB of deletion.
1. [ FCRA ] If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Fair Credit Reporting Act, ss611. ( a ) ************************************************************************************* XXXX : ( 1 ) Response was ; This section includes public record items XXXX obtained from local, state and federal courts through a third-party vendor, XXXX, This bankruptcy is currently reporting as discharged. If you have additional questions about this item please contact ( the court ), a. IF XXXX has public record items obtained from court as claimed, upon receipt of my dispute and requests in writing, they were obligated to comply and provide these records.
b. XXXX failed to satisfy the request of validation of the information ; ss609. ( a ) ( 1 ) ( 2 ) : i. [ FCRP ] Disclosures to Consumers Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer the nature and substance of all information in its files on the consumer at the time of the request and the sources of the information.
( 2 ) [ FCRA ] : An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. [ ss602. ( a ) ( 2 ) ] a. If XXXX ( and possibly XXXX and TransUnion ) relies on a third-party vendor ; a. How does the information get to the consumer when the CRA does not verify?
b. How can even a third-party-vendor be allowed to go around the FCRA and not verify with accountability to the consumer?
c. Am I supposed to be satisfied with the possibility a disgruntled employee could mix up paperwork, documents, forget some detail, mishandle something that could be vital in my information?
d. IF information isnt actually obtained by Equifax or other CRAs, whose held accountable when called to task by ss602. ( a ) ( 1 ) ( 2 ) ( 3 ) & ( 4 )?
( 3 ) The idea that XXXX does Americas credit rating by accepting unverified documentation and having no intent to produce such evidence to consumers when requested is unhealthy business ethics which brings harm to all CRAs. At the same time, they bring non-positive feelings to public confidence against those charged with managing our credit scores, credit standings, credit capacities, character and general consumer reputations. This is exactly what Congress meant in ss602. ( Findings and Purpose ) when it said [ FCRA ] there is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. [ ss602. ( a ) ( 4 ) ] a. I feel XXXX certainly has failed to live up to those standards in my dispute of the information.
b. A remedy should favor support by the CFPB of deletion.
************************************************************************************* THE COURT : XXXX suggested I seek additional information from the court.
Anticipating such a response, I contacted the United States Bankruptcy Court, District of New Hampshire, Clerk of the Court XXXX XXXX XXXX.
XXXX XXXX letter is attached to this file, however here is her basic response : The XXXX XXXX does not supply information to credit reporting agencies.
From this information one would ask how does the CRAs get the alleged information?
They dont get it directly from the court as XXXX claimed.
o Not keeping with SS602. ( b ) Someone else is saying they obtained the information from a court.
o Not keeping with SS602. ( b ) Sometimes were not told who that someone else is XXXX.
o Not keeping with SS602. ( b ) Then when they claim theyve obtained information from another source, is that meeting the standards of the Fair Credit Reporting Act?
o Not keeping with SS602. ( b ) ************************************************************************************* XXXX : ( 1 ) My wife and I have been notified in 6 or 7 credit breaches since XX/XX/2015.
a. Documentation submitted.
( 2 ) To mention the better known of these ; XXXX, XXXX, XXXX, XXXX, and others. Weve also been the victims of at least one Credit Card Fraud just a month ago ( XXXX XXXX ). Were ever watchful of additional activities on our credit reports fearing identity theft from that recent fraud event.
( 3 ) Subsequently, Ive placed a Security Alert on all three major CRAs.
a. Ive also placed a Freeze and Opted-Out on XXXX information suppression program. Copies of confirmations are attached.
b. I feel especially vulnerable knowing the big-3 rely on 3rd Party vendors and fail to provide validations of highly important and sensitive information before putting it on a public record.
AS A CONSUMER and after really reading the Fair Credit Reporting Act, the following opening remarks, I believe, set the tone of the laws intent : The ( United States ) Congress makes the following findings : the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. [ ss602 ] I ask your support in recognizing when the big guys dont follow the law consumers lose.
When consumers lose the economy loses.
When the economy loses the country struggles.
That struggle, includes continued successes of big business the circle completes.
Based on in-actions, non-compliance, and a lack of respect for consumers right to privacy, supporting delete the information is the right remedy in this case.
XXXX XXXX, NH
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| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Statement of claim - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I ( we ) have made every attempt to settle these matters and now are filing claims in federal state court ( s ). XXXX XXXX XXXX XXXX transfered this loan illegally and without our knowlege therein.
1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA.
Defendant ( s ), XXXX XXXX XXXX Servicer, alleged to acquire certain assets from XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX alleged to have acquired servicing rights from XXXX XXXX XXXX, XXXX XXXX, XXXX, d.b.a. XXXX XXXX XXXX alleged originator of Refinanced loan attempt, also the Nominee and beneficiary, XXXX XXXX XXXX XXXX and or XXXX XXXX, the alleged Trustee, XXXX XXXX XXXX XXXX XXXX also known as the alleged Trustee on behalf of XXXX XXXX unknown in relationship as to Trustee, 2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka the Republic of California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX alleged to service mortgage loan as well alleged to acquire loan from XXXX XXXX, and certain assets from XXXX XXXX XXXX, XXXX XXXX XXXX d.b.a or hidden under XXXX XXXX XXXX, XXXX XXXX XXXX as the Trustee, XXXX XXXX XXXX also Trustee, on the behalf of XXXX XXXX unknown, XXXX XXXX XXXX Aka XXXX and XXXX XXXX XXXX XXXX Aka XXXX the alleged Investor Nominee and Beneficiary of the alleged mortgage loan. All banks and employees alleged to be conducting banking and real-estate business within the state of California county of XXXX XXXX, publishing deeds recordings and notary documents unverified.
Defendant used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words " your, '' " loan, '' mortgage, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property.
lf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number.
This is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, ..
Definition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up.
In short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in XXXX. ( Note : In the bankruptcy of XXXX the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract.
Consequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed.
Of note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of God and the Natural Law ( derived from Gods Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since XXXX, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the XXXX bankruptcy of the U.S., along with the amended extensions of national emergency of XXXX and XXXX. When you go to court, you go to a legislative-statutory court in essence, a Maritime-Admiralty court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S.
Real Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 8 ) years and therefore does not possess that of the Real Party ( s ) In Interest property and home.
XXXX XXXX XXXX has and will and has attempted to report this alleged mortgage loan created out of identity theft which is fraud, creating an extension of the identity theft. Therefore nothing presented by XXXX XXXX XXXX XXXX XXXX XXXX whom is out of business, or inactive and not reachable, not limited to XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, employees such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and all other known and unknown banks involved and their employees. Any attempts of reporting such a debt that must and has by XXXX XXXX records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.
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| 08/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX Date of Birth : XX/XX/XXXX SS # : XXXX This letter is a formal complaint that you are reporting inaccurate credit information on my report. By reporting this information, you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
According to my recent credit report request from Transunion.com there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.
CREDITORS AND ACCOUNTS TO BE REMOVED : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 3. The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 4. The following personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 9. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX 10. The following personal information is incorrect Employers : XXXX XXXX XXXX. XXXX XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
12. XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
13. XXXX/XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
14. XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
15. XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
16. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
17. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
18. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
19. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
20. DEPT OF EDUCATION/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
21. XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
22. XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
23. XXXX/XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
24. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
25. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
26. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
27. XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
28. XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
29. XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS XXXX XX/XX/XXXX XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT MP3 FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN XXXX XXXX NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
Please remove this account from my credit report immediately. It has caused quite bit of damage and forward me an updated credit report after you have completed your Investigation and corrections.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX
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| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency XXXX furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXX - XXXX - XXXX5 U.S. Code 6802 - Obligations with respect to disclosures of personal information- Please delete this item immediately.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of 1 of 10 this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX of XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
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| 09/01/2021 |
Yes |
- Debt collection
- Auto debt
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- False statements or representation
- Told you not to respond to a lawsuit they filed against you
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Web |
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This Notice is to confirm that your claim is disputed under 15 USC 1692 et seq. Please verify under oath that this claim is valid, free from any claims and defenses including but not limited to : any breach of agreement, failure of consideration or material alterations, and that the original lender provided value. Further, that the alleged account was transferred in good faith and by the consent of all parties involved.
After reasonable inquiry I have concluded that XXXX XXXX XXXX XXXX.
is in breach of the alleged agreement. The following facts support my position in this matter : 1. XXXX XXXX XXXX XXXX. failed to disclose to the alleged consumer XXXXXXXX XXXX XXXXXXXX. Collateral ( hereinafter consumer ) that XXXXXXXX XXXX XXXXXXXX. Collateral used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby XXXXXXXX XXXX XXXXXXXX. Collateral did not perform under the agreement and risked nothing of value.
2. XXXX XXXX XXXX XXXX. has not used any of their own capital, funds, money or money equivalents to pay for any charges on the alleged account.
3. XXXX XXXX XXXX XXXX. received something-for-nothing by using the consumers note ( s ) to fund charges to the credit card account while retaining payments from consumer.
4. So, a breach occurred due to the fact that XXXX XXXX XXXX XXXX. failed to disclose the above information in their credit card agreement prior to soliciting applicant to become bound by it.
5. Due to the breach, and lack of disclosure, XXXX XXXX XXXX XXXX. has, directly or indirectly, used false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, which constitutes fraud.
6. Due to the securitization of the initial outstanding balances of the alleged account, XXXX XXXX XXXX XXXX. is not a holder in due course, and therefore can not have incurred a loss or make a valid claim.
7. When accounts are 90 days or more overdue, XXXX XXXX XXXX XXXX. receives a payoff of the amount due from insurance, whose premiums were unknowingly funded by the so-called borrower.
I want to receive absolute assurance from XXXX XXXX XXXX XXXX. that they did not breach the agreement. In order to settle this matter, please sign or have an authorized officer sign the enclosed affidavit, confirming that you have read the agreement, that you understand GAAP, the bookkeeping entries, accounts receivables and deposits, the banking laws, and the Federal Reserve banks policies and procedures.
In addition please furnish me with the following information : 1. A complete statement of Damages, including each and every loss that XXXX XXXX XXXX XXXX. incurred under the alleged agreement.
2. A copy of any insurance claim having been made by XXXX XXXX XXXX XXXX. regarding this account.
3. A front and back, true and correct copy of the alleged signed agreement bearing my signature ( full & complete disclosure ), and a detailed copy of the alleged account.
4. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website.
5. The name, address and telephone number of XXXX XXXX XXXX XXXXs CPA auditor.
6. Verification if this debt has been assigned or sold to a debt collector.
7. If this debt has been assigned to a debt collector, please provide the commission amount if collection efforts are successful.
8. If this debt has been sold to a debt collector, please provide the price for which it was sold.
If you can not verify and validate this debt by the above listed means, then what right do you have, under the Fair Debt Collection Practices Act 15 USC 1692, to even send me a letter? Are you committing mail fraud?
It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.
The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.
You are required by federal law to furnish the credit bureaus with the required disclosure by placing a notice of dispute on my account within ( 30 ) days after receiving this dispute letter. I am maintaining a careful record of dates as well as time-stamped copies of my credit reports, which will show that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) [ 15 USC 1681s-2 ] if you do not place the disclosure within the required ( 30 ) day period.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX XXXX, TransUnion ), this action might constitute fraud under both federal and state laws and directly violate the Fair Credit Reporting Act. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or any company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act and Defamation of Character, Bank Fraud, Aggravated Identity Theft and Conspiracy.
I am sure your legal staff will agree that non-compliance with this request could violate Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 USC 1681s-2 ], putting your company in serious legal trouble with the FTC and other state or federal agencies.
All communications and omissions will be made part of and incorporated into any litigation arising from this matter. Failure to verify and validate the debt within thirty ( 30 ) days by signing the enclosed affidavit confirms that no further action will be taken and an absolute waiver of any right to collect the alleged debt. Furthermore all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
You must contact me in writing and request an extension in the event that you need more than thirty ( 30 ) days to verify and validate the debt. Failure to do so confirms that the time limit is reasonable.
This notice also constitutes a Notice to Cease Telephonic Communications. Non-compliance with this request will violate the Telephone Consumer Protection Act 47 USC 227.
NOTICE THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Notice to the Principal is Notice to the Agent, and Notice to the Agent is Notice to the Principal.
Please be advised that the alleged debt that has been reported to you is uncollectable for the following reasons : Creditor is in breach of any alleged agreement that it claims I am bound by.
Creditor failed to make full disclosure in its credit card agreement prior to soliciting my application to be bound by it.
Due to the breach and lack of full disclosure, you are reporting a collection of an alleged debt from me, under false, deceptive, or misleading representations or means, in violation of Section 807 of the FDCPA, 15 U.S.C. 1692e, committing fraud.
Creditor has failed to fully disclose the fact that it sold its credit card receivables relating to the alleged account. This transaction is a securitization.
Due to the securitization of the initial outstanding balances of the alleged account, creditor is not a holder in due course, and therefore has no rights or interest in the receivables you are reporting.
Law in support of the above : THE TRANSACTION In a credit card securitization transaction only the receivables are sold, not the accounts that generate the receivables. The financial institution retains legal ownership of the credit card accounts and can continue to change the terms on the accounts. Accounts corresponding to securitized loans are typically referred to as thedesignated accounts ( or sometimes trust accounts ). The initial outstanding balances on the designated accounts are sold to the trust as are the rights to any new charges on the designated accounts. Subsequently, as cardholder purchase activity generates more receivables on the designated accounts, these new receivables are purchased by the trust from the originating institution/seller/transferor. The trust uses the monthly principal payments received from the cardholders to acquire these new charges or receivables. When the securitization is initially set up, the originating institution/seller adds sufficient receivables to support the principal balance of the certificates plus an additional amount ( seller 's interest ) that serves to absorb fluctuations in the outstanding balance of the receivables. The originating institution/seller will make subsequentadditionsto the trust in order to keep the seller 's interest at the required level. ( Emphasis added ) See : XXXX XXXX XXXXXXXX SECURITIZATIONS 74. An originator of a typical securitization ( the transferor ) transfers a portfolio of financial assets to an SPE, commonly a trust. In " pass-through '' and " pay-through '' securitizations, receivables are transferred to the SPE at the inception of the securitization, and no further transfers are made ; all cash collections are paid to the holders of beneficial interests in the SPE. In " revolving-period '' securitizations, receivables are transferred at the inception and also periodically XXXX daily or monthly ) thereafter for a defined period XXXX commonly three to eight years ), referred to as the revolving period. During the revolving period, the SPE uses most of the cash collections to purchase additional receivables from the transferor on prearranged terms.
75. Beneficial interests in the SPE are sold to investors and the proceeds are used to pay the transferor for the assets transferred. Those beneficial interests may comprise either a single class having equity characteristics or multiple classes of interests, some having debt characteristics and others having equity characteristics. The cash collected from the portfolio is distributed to the investors and others as specified by the legal documents that established the SPE.
See Statement of Financial Accounting Standards No. 140, Financial Accounting Standards Board, September 2000 ( FASB FAS140 ) This is probably the most legitimate dispute of the validity of the " loan '' you have ever seen. Therefore, you are courteously requested to enter this account as being suspended while in absolutely justified dispute. I trust that you and your management staff operate honorably and that I will never have to sue you for blemishing my credit for illegally allowing the pretender lenders erroneous and robotically unconscious computer-generated reports of default, if they occur, to lower my credit score. Wish me well in getting this resolved with the " lender '' itself, and I appreciate your protecting my credit score in the meantime. Thank you for your cooperation and I wish the best of success and happiness to you.
Thank you very much and best regard.
I declare under penalty of perjury without the United States that the above statements are the truth, the whole truth and nothing but the truth.
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| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Statement of claim - i XXXX XXXX XXXX and i XXXX XXXX XXXX did not give permission for any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I ( we ) have made every attempt to settle these matters and now are filing claims in federal state court ( s ).
1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA.
Defendant ( s ), XXXX XXXX XXXX Servicer, alleged to acquire certain assets from XXXX XXXX XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX alleged to have acquired servicing rights from XXXX XXXX XXXX, XXXX XXXX, XXXX, d.b.a. XXXX XXXX XXXX alleged originator of Refinanced loan attempt, also the Nominee and beneficiary, XXXX XXXX XXXX XXXX and or XXXX XXXX, the alleged Trustee, XXXX XXXX XXXX XXXX XXXX also known as the alleged Trustee on behalf of XXXX XXXX unknown in relationship as to Trustee, 2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka the Republic of California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX alleged to service mortgage loan as well alleged to acquire loan from XXXX XXXX, and certain assets from XXXX XXXX XXXX, XXXX XXXX XXXX d.b.a or hidden under XXXX XXXX XXXX, XXXX XXXX XXXX as the Trustee, XXXX XXXX XXXX also Trustee, on the behalf of XXXX XXXX unknown, XXXX XXXX XXXX Aka XXXX and XXXX XXXX XXXX XXXX Aka XXXX the alleged Investor Nominee and Beneficiary of the alleged mortgage loan. All banks and employees alleged to be conducting banking and real-estate business within the state of California county of XXXX XXXX, publishing deeds recordings and notary documents unverified.
Defendant used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words " your, '' " loan, '' mortgage, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to foreclose on the property.
lf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number.
This is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, ..
Definition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up.
In short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in 1933. ( Note : In the bankruptcy of 1933 the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract.
Consequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed.
Of note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of God and the Natural Law ( derived from Gods Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since 1933, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the 1933 bankruptcy of the U.S., along with the amended extensions of national emergency of 1917 and 1933. When you go to court, you go to a legislative-statutory court in essence, a Maritime-Admiralty court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S.
Real Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 8 ) years and therefore does not possess that of the Real Party ( s ) In Interest property and home.
XXXX XXXX XXXX has and will and has attempted to report this alleged mortgage loan created out of identity theft which is fraud, creating an extension of the identity theft. Therefore nothing presented by XXXX XXXX XXXX XXXX XXXX XXXX whom is out of business, or inactive and not reachable, not limited to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, employees such as XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and all other known and unknown banks involved and their employees. Any attempts of reporting such a debt that must and has by XXXX XXXX records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.
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| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act XXXX accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX. XXXX XXXX Code XXXX - Determination of finance charge XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions XXXX. XXXX XXXX Code XXXX - Determination of finance charge XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. I Was Never Late on this account XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not delete these alleged lates payment from my credit report.
XXXX. I Was Never Late on this account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C XXXX : A Creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose XXXX. I Was Never Late on this account XXXX Account Number : XXXX XXXX U.S.C XXXX : A Creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX To Whom It XXXX Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, XXXX XXXX ( a ) ( XXXX ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : XXXX. The following personal information is incorrect Account XXXX : XXXX : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Determination of finance charge XXXX XXXXXXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. XXXX XXXX Code XXXX - Determination of finance charge XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
XXXX. XXXX XXXX Code XXXX - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C XXXX section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX. I Was Never Late on this account XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not, you delete these alleged lates payment from my credit report.
XXXX. I Was Never Late on this account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX U.S.C XXXX : A Creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose XXXX. I Was Never Late on this account XXXX Account Number : XXXX XXXX U.S.C XXXX : A Creditor XXXX not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose XXXX. I Was Never Late on this account XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Please delete this alleged late payment from my credit report or show me supporting documents that show me supporting documentation that shows proof I was late. If you can not, you must delete these alleged late payments from my credit report.
In addition, please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Thank you,
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| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Over the past couple months I have been researching my consumer reports. XXXX XXXX TRANSUNION has been reporting my consumer report with inaccuracies. Which has caused non extensions of credit to me the consumer. Revised XXXX The Fair Credit Reporting Act 15 USC 1681 section 602 A states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TRANUNION XXXX XXXX XXXX are considered consumer reporting agencies. Per that same act in the definition terms Iam considered the consumer. As the consumer I have the right to make sure my private information is not being shared. Backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institutions and the consumer reporting agencies TRANSUNION XXXX & XXXX do not have my consent to furnish this information and they surely do not have my written consent. Therefore they have chosen to do so on there own. Any consent ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked by me [ XXXX XXXX ]. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. TRANSUNION XXXX AND XXXX are not maintaining reasonable procedures. THEY HAVE CAUSED ME GRAVE STRESS FINANCIAL HARDHSIPS DUE TO THE INACCURACIES OF THE REPORTS. BELOW ARE A MIXTURE OF SOME EXAMPLES FROM PAST CFPB COMPLAINTS ( FOUND ON THE CFPB WEBSITE ) AGAINST TRANSUNION XXXX AND XXXX. ALSO, LAWS THAT WERE VIOLATED PROTECTS THE CONSUMER FROM UNFAIR PRACTICES.
CFPB COMPLAINT : 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1 Should be read as ( o ) or ( y ) because section 603 ( x ) was re-designated as 603 ( y ) in 2010 by the CFPA. 603 - 15 U.S.C. 1681a 3 604 ( g ) ( 3 ), the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports THEY HAVE ALSO MADE IT VERY DIFFICULT FOR ME TO UPDATE MY PERSONAL INFORMATION AND PUT SECURITY FREEZES ON MY ACCOUNTS. LASTLY BECAUSE OF THIS INACCURATE REPORTING I HAVE BEEN DENIED EXTENSIONS OF CREDIT AND THE INQUIRIES LOWERED MY SCORES AS WELL.
XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX DENIED ME AN EXTENSION OF CREDIT.
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| 04/25/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I faxed proof of payment thereto XXXX XXXX and the CEO back office but only a response thru the CFPB came by way of XXXX in the retail payment solutions department office of the President, this is unacceptable. I requested an affidavit in response by way of the CEO or the Back office only.
The Disclosures created by XXXX XXXX was newly created well after i signed electronically over three years ago. The Disclosures created by XXXX does not have the full documents i am presenting within this affidavit. Therefore they have the power to alter the said documents presented to the credit bureaus without my knowledge or ever seeing said documents. XXXX XXXX at first said they didn't receive or could find the payment now they are alleging that they don't accept the payment format which is US Currency drawn from a XXXX XXXX be it Any federal reserve bank or the US Treasury? something is clearly wrong here! XXXX are using the credit bureaus to extort me for federal currency, Fiat dollars or debt IOUs and not the US Currency it says it accepts as payment.
The signatures produced by XXXX has produced are forged. For it was done electronically! I have not received any contract documents from XXXX XXXX as of XX/XX/XXXX or shortly after the account was opened. What XXXX has produced and presented to the credit agencies/bureaus are fare newly created documents. The originals were destroyed years ago and can not be reproduces as stated by XXXX. XXXX XXXX says on the back of the coupon statement that you must pay in US Dollars with checks or similar payment instruments drawn on a financial institution located in the United States. The Tender Of Payment is of US Dollars drawn from The US Treasury and or any Federal Reserve Bank located in the United States Of America. TENDER OF PAYMENT : Now no one wants to acknowledge facts of law and the validity therein but if i use a credit or line of credit to purchase items that are property that constitutes property as well. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Due to the fact that the evidence produced by XXXX forged robo signed and newly created well after the original electronic document the debt must be discharged and paid in full by the tender of payment offer made, as they have declined see Law 3-306. False Statements or Representations - The law : Collectors cant threaten a lawsuit, criminal prosecution, wage garnishment, jail time, or to ruin your credit rating unless they have the legal authority to do so and intend to do so. These threats are often illegal. Collectors must take you to court first and win before they can take these kinds of actions if they are legal in the first place. What was stated to me in writing and over the phone 20 days later was that my payment method was illegal and unlawful and the CEO or Back Office Dept would be sending me a letter or have sent a letter but i have not received a letter nor any of the Tendered Payments back and therefore it is implied that they destroyed the mail and the Tendered Payment!
The alleged contract that was never presented in full or in part is not a Unilateral nor a Bilateral contract or agreement. This means that none of the parties signed the contract. An online agreement does not validate nor verify an agreement or contract for all parties must have a meeting of the minds. Or this can lead to fraud. First off i requested the CEO or Bank office of people knowledgeable of this type of payment but the CEO never responded. Second So without a proof of payment like a check or actual funds from the banks i was never loaned money because banks can't loan money from deposits within their bank from other customers so where did the money or funds come from? It appears to be a book keeping entry credit for a mortgage or loan or such and that is fraud due to the banking laws, banks can't loan money it doesn't exist only US Currency or Coin Tender or Conditional Acceptance.
804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall. ( 1 ) identify himself, state that he is conrming or correct- ing location information concerning the consumer, and, only if expressly requested, identify his employer ;. ( 2 ) not state that such consumer owes any debt ;. not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ;. ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communi- cation relates to the collection of a debt ; Validation - Consent from the borrower that they agreed to such terms explained and defined and disclosed in full not in part and not by a none agent of the bank or creditor whom would be able to translate or transcribe definitions in full. You have failed to do this.
806. Harassment or abuse - A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of sec- 15 USC 1692d. ( 4 ) The advertisement for sale of any debt to coerce pay- ment of the debt. This includes pre default or NOD notice of default which must be served on the debtor or payee and proof of such in writing not hearsay.
. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful dis- closure of the callers identity.
807. False or misleading representations A debt collector may not use any false, deceptive, or mis- leading representation or means in connection with the col- lection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or af liated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
809. Validation of debts ( a ) Notice of debt ; contents Within ve days after the initial communication with a con- sumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing or ( b ) Disputed debts If the consumer noti es the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains veri cation of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such veri cation or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi- cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noti ed the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communica- tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
. ( c ) Admission of liability I demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement You have failed to do this within the Five days after the debt was initially disputed. More over sending in house created accounting documents doesn't service or answer the unanswered questions for verification and validation of the alleged debt but the original materials and a wet signature not a computer generated signature nor a verbal consent over the phone for this could be identity theft and fraud.
812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
The documents you produced doesn't have your companies name or anyone signed from you agency or bank. Your agency bank or corporation has provided after the allowed five days [ approximately 25 days later ] computer generated in-house documents that i have never seen before. In fact the documents have been cut down in size or shrunken down from the alleged original size and is too dark and not legible. Also the definitions are not clear and no one has translated your terms which are one sided to me.
i, monica rene hall Enclosures : Identity Theft Report - I have been on the NCIC list since XX/XX/XXXX and i am sending you a copy with my NCIC record # blacked out for my protection DOJXXXXX. Without XXXX XXXX verifying the information with me and correction the errors this is identity theft for none of the tender of payments have been returned to me.
Proof of identity Notice to Furnishers of Information
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| 10/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( DISPUTE CODE - 103 ) My personal information was stolen in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting Act multiple unauthorized Inquiries and accounts have been found on my credit report please immediately delete and remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX violated my rights by reporting fraudulent information across all 3 of my consumer credit bureaus. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my TransUnion and XXXX consumer credit bureaus. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Accounts # XXXX, # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my TransUnion and XXXX XXXX XXXX XXXX I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX XXXX XXXX XXXX. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Accounts # XXXX, # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my TransUnion and XXXX XXXX XXXX XXXX. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX XXXX XXXX XXXX I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX violated my rights by reporting fraudulent information across my XXXX XXXX XXXX XXXX. I would like this account deleted and removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
24. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
25. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
26. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
27. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
30. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
31. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
32. XXXXXXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
33. XXXX XXXX Account Number : XXXXXXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
34. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
35. XXXXXXXX XXXX XXXX Account Number : XXXXXXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
36. XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
37. XXXX XXXX XXXX Account Number : XXXXXXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
38. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
39. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
40. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
41. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
42. XXXX XXXX XXXX Account Number : XXXXXXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
43. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
44. XXXX XXXX XXXX Account Number XXXX XXXXXXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
45. XXXX Account Number : XXXXXXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
46. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
47. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
48. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
49. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
50. US DEPT ED Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. US DEPT ED Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. US DEPT ED Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. US DEPT ED Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. US DEPT ED Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. US DEPT ED Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamati
on 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXXXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I would like to ensure you only retain CURRENT, COMPLETE and TRUE information in my credit file. Per FCRA regulations ANY and ALL other information I DEMAND as my lawful rights to be annulled. I DO NOT AUTHORIZE you to mis- report any information now or EV-ER. Immediately review to properly ENSURE your adequate and in full accordance to the laws which governs your practice or reporting consumer credit profiles.
1 ) I DO NOT HAVE ANY OTHER NAMES, ALIASES, NICKNAMES to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
2 ) I DO NOT HAVE ANY OTHER CURRENT ADDRESS and do not authorize or desire and other addresses to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
3 ) I DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legiti-mate authority to retain or report without infringing upon my consumer rights.
4 ) I DO NOT HAVE ANY OTHER DATES OF BIRTH and do not authorize or desire and other birthdays to be reported or retained in my credit file. If ANY please DELETE NOW or produce PROOF of your legitimate authority to retain or report without infringing upon my consumer rights.
5 ) I DO NOT HAVE ANY OTHER TELEPHONE NUMBERS and do not authorize or de-sire and other phone number to be reported or retained in my credit file. If ANY please DE-LETE NOW or produce PROOF of your legitimate authority to retain or report without in-fringing upon my consumer rights.
6 ) I DO NOT HAVE ANY OTHER EMPLOYERS and do not authorize or desire and other employers to be reported or retained in my credit file. If ANY please DELETE NOW or pro-duce PROOF of your legitimate authority to retain or report without infringing upon my con-sumer rights.
Please review my formal writ of composed declaration of NOT PROVE COMPLIANT MISIN-FORMATION that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RE-SPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COM-PLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandat-ed by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA XXXX Metro 2 COMPLIANT reporting.
I have identified likely mendacious and certainly unproven compliant reported personal identifier information on my credit file. I am within my federal and state consumer and or civil rights to de-mand and or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under F ACTA Title 1 sec. 151 that unambiguously obliges a recount of the modus operandi used by your agency in the procurement this ( these ) alleged yet unproven true, correct, complete, much less compliant items of personal identifier information that I believe is possibly incorrect, including if this was obtained by a third party information trafficker and sold to your firm. I have enclosed cop-ies of my state issued identification and Social Security number to validate my identity. I be-lieve that this false and or misleading information that you are reporting is likely directly resulting in or will in future result in incorrect account mergers onto my credit file and that this is injurious to my credit health and credit wealth. The FOLLOWING reporting derogatory allegations of infor-mation are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal report-ing laws and or standards and MUST be eradicated immediately!
THE BELOW LISTED REPORTED PERSONAL INFORMATION IS CURRENTLY REPORTING DEFICIENT OF FEDERAL AND STATE REQUISITE REPORTING COMPLIANCES TO INCLUDE METRO 2 DATA FIELD FORMATTED REGULATO-RY REPORTING STANDARDS OF EXACTNESS AND OR UNDENIABLE AND IR-REFUTABLE UNDOUBTED PROOF IN REGARDS TO A DOCUMENTED TESTI-MONIAL CERTIFICATE OF FACTS AS TO XXXX CURRENT STATUS, TRUTH, CORRECTNESS, COMPLETENESS, TIMELINESS, OWNERSHIPS, RESPONSIBILI-TIES, FCRA XXXX, AND OR XXXX XXXX COMPLIANT REPORTING. NO EN-TITY RETAINS ANY RIGHTS TO ERADICATE ITS LIABILITIES FOR INFRINGE-MENT OF CONSUMER AND OR CIVIL RIGHTS WITH INJURIOUS, UNETHICAL, UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, OR ELSE WISE UNPROVEN TO BE ENTIRELY COMPLIANT REPORTING TO EVERY ASPECT OF MANDATED LAWS, REGULATIONS, PRECEDENCE, AND OR STANDARDS OF ACCEPTABLE REPORTING PRACTICES. PLEASE ANNUL BY FULL AND PERMANENT DELE-TION AND AND ALL ASPECTS OF THE FOLLOWING UNLAWFULLY AND NOT PROVEN COMPLIANT ALLEGATIONS : Please Provide Physical Proof of COMPLIANCE and Verification. If not physically irrefutable you are not authorized to retain or report this allegation so annul in brief today even right now or certificate that your testimony proves compliance and accuracy of every and XXXX even each any and all OF THE data aspects. Subterfuge is unlawful, I demand that you return to or retain compliance as mandated and do so without injury AND or prejudices towards me now or thereafter.
Might it be known that THIS LETTER of consumer check and challenge for lawful reporting com-pliance is my officially composed writ formal complaint that you are reporting XXXX or more of the following, ILLEGALLY mind you : i ) Your reporting is unproven to be TRUE, so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
ii ) Your reporting is unproven to be Correct ( and regulations are CLEAR on accuracy being un-doubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
iii ) Your reporting is unproven to be COMPLETE ( and regulations are CLEAR on mandates to be fully COMPLETE in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allega-tions of which you report in chicanery lead subterfuge.
iv ) Your reporting is unproven to be TIMELY ( and regulations are CLEAR on mandates to be fully CURRENT and TIMELY in the application of exacting and reliably consistent precision of any da-ta for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
v ) Your reporting is unproven to be of MY OWNERSHIP ( and regulations are CLEAR on man-dates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSIBIL-ITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vi ) Your reporting is unproven to be of MY RESPONSIBILITY ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assignment of OWNERSHIP and or even RESPONSI-BILITY to any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
vii ) Your reporting is unproven to be of FCRA COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
viii ) Your reporting is unproven to be of CRSA enacted XXXX XXXX XXXX DATA FIELD FOR-MATTED REGULATORY REPORTING COMPLIANCE ( and regulations are CLEAR on mandates to be fully CONFIDENT in the assumption of FULL unmistakable COMPLIANCE to any and all standards of practice as related to the reporting of any potentially injurious claim in the application of exacting and reliably consistent precision of any data for reporting being undoubted and irrefutable ), so legally there can be no truth assumed to the allegations of which you report in chicanery lead subterfuge.
Injury causing subterfuge is unlawful to retain. You are not Authorized to report or even once al-leged adverse remark unproven upon a requested compliance check. You must Annul in brief, even right now and right here, by complete and permanent deletion any or even one not irrefutable alle-gation ( s ) deficient of physical composed writ certificate ( s ) in testimony of the exact and full truth, correctness, timeliness, completeness, ownership, responsibility, and or documented evidence of precise and willfulness to comply with every single one even any and or all of the requisite man-dates/statutes/acts/obligations/and or laws related and pertinent to legal reporting of any infor-mation, known or not. Attest now to the metro-2 required truth, accuracy, fullness, timeliness, own-ership, responsibility and or compliance ( s ) otherwise, whether mentioned or not. Ignorance of obli-gations to compliant reporting is NOT lawful exoneration of your responsibility to 100 % accurate, true, and metro-2 compliant data formatted reporting regulations of which you are obligated. Feder-al laws allow me to compel you to retain and or return adequate accountability. Failure or unwill-ingness to do so might be remedied and rectified in my favor per monetary compensation for your infringements of my civil and or consumer rights and violations of the laws required of you. Right now demonstrate to me any and all applicable metro-2 reporting mandates including but not limited to every date and balance, each calculation and audit, the invoices and documented current identi-ties, every notation not to forget the five ( 5 ) portioned personal identifiers, 426 character P-6 state-ments, alpha/numeric/ and or alphanumeric source codes, every applicable creditor classification code ( s ), the 3 applicable and precise sequenced 386 pieces of confirmation to collect ( -ions ) or any obligation else-wise. Return or Retain federally required compliance with your immediate and dull eradication of any and one of the adverse and or derogatory claims or any aspects of. Prove com-pliance or delete ASAP!!! Let this notice of my official writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLI-ANT METRO 2 data field formatted reporting! Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ) .Please reply within 10 days or delete the negative items, as originally requested. If you FAIL to respond to this demand and tort notification, your firm will be added to the pending action as complicit in this data breach of my personal infor-mation.
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| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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my name is XXXX XXXX XXXX reached out to /TRANSUNIONdispute department, ABOUT identity theft, Ive sent papers from the US Justice Department TRANSUNION XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 , US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX XXXX, you must immediately inform them this ALLEGED debt is in dispute. ( XXXX XXXX XXXX ) XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt Transunion/are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. XXXX THEY HAVE RECEIVED XXXX,, Trans Union, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint ACCOUNTS : - ( XXXX XXXX XXXX ) XXXX Date OpenedXXXXXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX ) XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) ( TRANSUNION ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( TRANSUNION XXXX XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/into the XXXX FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data byXXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT Failure to remove FRAUDULENT INQUIRIES in 15 days from my consumer report as requested will result in -legal matters being taken and me turning you ( XXXX XXXXTRANSUNION ) into the ( FTC ) Federal Trade Commission for XXXX aggravaled identity theft ) and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to TRANUNION/XXXX and this letter may be tendered as evidence of failure to comply ) ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT CONTINUE TO REPORT XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( ( FRAUDULENT INQUIRIES ) THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies TRANSUNION/ /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~ Request for accounting XXXX XXXX XXXX XXXX XXXX 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. ACCOUNTS ) ( XXXX XXXX XXXX ) XXXX Date OpenedXXXX XXXX XXXX AMOUNT {$46000.00} ) ( XXXX XXXX ) XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( FRAUDULENT INQUIRES ) XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX.
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| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The credit reporting agencies TRANSUNION, XXXX and the furnisher " XXXX XXXX XXXX XXXX '' are intentionally - Making misrepresentations about unsubstantiated debts -Threatening consumers with potential legal actions andinitiating debt collection lawsuits -without offering or possessing required documentation -Misrepresenting that it would provide certain documents within thirty days -Conducting unreasonable investigations XXXX XXXX XXXX '' furnished a new comment stating, " COMPLETED INVESTIGATION OF FCRA DISPUTE. CONSUMER DISAGREES ''.
Reporting a new balance SIGNIFICANTLY DIFFERENT from all of the previous reported balance. EVERY REPORTING HAS BEEN INACCURATE and FREQUENTLY updated/changed. Attachments reflect the inconsistencies and inaccuracies being furnished and reported and previous complaints.
Section 609 ( e ) ; 15 U.S.C. 1681g ( e ) Section 609 ( e ) requires a person, such as a financial institution, to provide records of fraudulent transactions to victims of identity theft within 30 days after the receipt of a request for the records. These records include THE APPLICATION and BUSINESS TRANSACTION RECORDS under the control of the person whether maintained by the person itself or another person on behalf of the institution.
" XXXX XXXX XXXX '' is reporting on my credit file as of XX/XX/ XXXX ( status updated ) " Original balance {$1900.00} '' " Current balance {$1800.00} '' " Monthly payment of {$130.00} '' The statements are INACCURATE and INCONSISTENT with REPORTED INFORMATION. Statements were RECENTLY USED BY TRANSUNION TO UPDATE MY FILE REFLECTING THE INACCURATE / FRAUDULENT STATEMENTS.
The amounts and additional REPORTED INFORMATION in my file compared to statements received IS INCONSISTENT, INACCURATE, FALSELY Reported and FRAUD. As I have never received any amount reported and statements vary SIGNIFICANTLY. Furthermore, the LETTER attached FURTHER CONFIRMS ALL REPORTED DATA PROVEN TO BE INVALID, INACCURATE, INCONSISTENT and INTENTIONAL INACCURATE REPORTING.
The statement amounts and reported amounts vary SIGNIFICANTLY.
CURRENTLY being reported as '' VERIFIED AS ACCURATE " by the Credit Reporting Agencies, TRANSUNION AND FURNISHED by " XXXX XXXX XXXX '' Copied ( attachments included in previous complaint ) : " XXXX Statement copied : - Principal XXXX - Unpaid Loan Balance XXXX '' ( INCONSISTENT/INACCURATE ) The fraudulent STATEMENT and WHAT IS BEING FURNISHED AND REPORTED IS INACCURATE AND INCONSISTENT.
" May Statement copied : Previous statement loan balance XXXX '' ( previous statement loan balance for XXXX reports a much higher loan even higher than the one currently being reported.
FRAUD and inconsistent, inaccurate reportings.
" Unpaid Loan balance XXXX '' ( FRAUD and INCONSISTENT/INACCURATE REPORTING ) Again, The STATEMENTS AND WHAT IS BEING FURNISHED AND REPORTED IS FRAUD INACCURATE AND INCONSISTENT.
XXXX XXXX text copied : " Previous statement loan balance XXXX '' " Unpaid loan balance XXXX '' - Once again, FRAUD INCONSISTENT/INACCURATE.
XXXX. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
" Fraud involves thefalse representation of facts, whether by intentionally withholding important information or providing false statements to another party for the specific purpose of gaining something that may not have been provided without thedeception. '' XXXX. Furnishing certain deceptive forms " ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. '' ACCORDING TO FCRA : " If you have been the victim ofFRAUD DUE to false reporting, you are entitled to ask businesses for a copy of transaction records. For example, loan or credit card applications, and applications for credit relating to the fraudulent information furnished.
The businesses covered by the law must provide copies of these records, free of charge, within 30 days.
Section 609 ( e ) FCRA states that " businesses are required to provide applications and business transaction records to help victims document fraudulent charges. '' " The law applies to a business that has provided credit, goods, or services to, accepted payment from, or otherwise entered into a transaction with someone. For example, if your business opened an account in the victims name, you are required to provide the records relating to the transaction '' " Your business must provide applications and business transactions records, maintained either by your business or by another entity on your behalf, that support any transaction alleged to be a result of identity theft. Records like invoices, ORIGINAL LOAN DOCUMENTS or APPLICATIONS. '' " XXXX XXXX XXXX '' FALSE REPORTING and FURNISHING FALSE INFORMATION TO THE CREDIT REPORTING AGENCIES WITHOUT DEBT VERIFICATION. I AM A VICTIM of FINANCIAL FRAUD due to false reporting, FRAUDULENT STATEMENTS.
*All voice-mail recordingsWITH " THREATENING of legal action '' were SAVED. ( List FCRA VIOLATIONS ) - FCRA STATES " a consumer reporting agency is uniquely positioned to identify certain obvious inaccuracies and implement policies, procedures, and systems to keep them off of consumer reports. '' " Such as when certain account or other information fields on consumer reports are logically inconsistent with other fields of information, a consumer reporting agency can detect the logical inconsistencies and prevent the inaccurate information from being included in consumer reports it generates, thereby avoiding the consumer harm to individual consumers that can result from reporting such inaccurate information. '' - Consumer reporting agency 's policies and procedures should be sufficient to detect tradelines with account statuses or codes that are plainly inconsistent with other information reported for that same account, such that, if included in a consumer report, at least one item of information therein would necessarily be inaccurate.
- Section 607 ( b ) of the FCRA provides that whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
- The failure to maintain reasonable procedures to screen for and eliminate logical inconsistencies, to prevent the inclusion of facially false data in consumer reports, is a violation of their FCRA obligation to follow reasonable procedures to assure maximum possible accuracy under section 607 ( b ) of the FCRA.
" TRANSUNION '' and " XXXX '' were BOTH made aware of the false information with the reported FTC REPORT NUMBER RECEIVED WHEN FRAUD INVESTIGATION CASE WAS OPENED XX/XX/XXXX XXXX
TRANSUNION and XXXX are VIOLATING SECTION 607 ( b ) BY CONTINOUSLY REPORTING INCONSISTENT and FALSE INFORMATION. FAILURE to PROPERLY INVESTIGATE and RESOLVE CONSUMER DISPUTES.
INACCURATE REPORTING SHOULD BE PERMANENTLY REMOVED FROM MY FILE due to KNOWINGLY AND INTENTIONALLY REPORTING FALSE INFORMATION which in turn is ADVERSELY HURTING MY REPORTS. PER SECTION 607 ( b ) of the FCRA.
BOTH " XXXX '' AND " TRANSUNION '' ARE REPORTING THIS ACCOUNT AS " UNCHANGED '' starting as of XX/XX/. THE CREDIT REPORTING AGENCIES continue to ALLOW '' XXXX XXXX XXXX " TO SUBMIT INACCURATE INFORMATION. XXXX XXXX XXXX XXXX HAS FREQUENTLY CHANGED REPORTED INFORMATION.
I AM REQUESTING DEBT VERFICATION fully suporting every claim reported on my credit file FROM EACH CREDIT REPORTING AGENCY and FURNISHER THE START TO NOW FROM EACH CREDIT REPORTING AGENCY REFUSING TO DELETE NEGATIVE INFORMATION THAT IS ADVERSELY HURTING MY FILE.
MY FILE HAS SIGNIFICANTLY BEEN AFFECTED DUE TO THE FURNISHING OF INACCURATE INFORMATION ALONGSIDE THE FREQUENT NEGATIVE REPORTING BY " XXXX XXXX XXXX. '' FCRA STATES : The businesses covered by the law must provide copies of these records, free of charge, within 30 days of receiving the request for them in writing.
The Federal Trade Commission ( FTC ), the nations consumer protection agency, enforces the FCRA including this requirement, which is known as Section 609 ( e ) This account from " XXXX XXXX XXXX '' has been furnishing INACCURATE INFORMATION. " XXXX XXXX XXXX '' FURNISHING AND REPORTED MULTIPLE AMOUNTS NEVER RECEIVED. KNOWINGLY FALSIFIED REPORTING OF INACCURATE INFORMATION which is CONSIDERED FRAUD.
" Financial statement fraudis the deliberate misrepresentation of the financial condition of a company accomplished through the intentional misstatement of amounts or disclosures in the financial statements with the intent to deceive the financial statement users. '' The STATEMENT IN COMPARISON TO WHAT IS BEING FURNISHED AND REPORTED IS INCONSISTENT AND INACCURATE.
The furnished information compared to the fabricated statements DOES NOT reflect what is being reported by " XXXX XXXX XXXX '', " TRANSUNION '' nor " XXXX ''. The Letter does not reflect either statements or reported balances/amounts. INTENTIONAL DECEPTION AND FRAUD.
FCRA Regulations and Codes States : INACCURATE and INCONSISTENT reporting SHOULD BE REMOVED BLOCKED AND DELETED and NOT RESUBMITTED.
I am requesting documentation, including ORIGINAL CONTRACT with signatures MATCHING ALL furnished information reflecting what is being reported on my credit file.
If unable to provide valid information that fully relates in accordance to what had been reported, I am demanding this account to be BLOCKED and removed as it is hurting my file and score VERY significantly. THE statements are FRAUD and SHOULD HAVE NOT BEEN USED TO UPDATE MY FILE.
Transunion refuses to remove inaccurate information but continues to update it with ADDITIONAL INACCURATE INFORMATION despite being made aware that the information from the fradulent statements were used to update my file with ADDITIONAL INACCURATE, FRAUD, and INCONSISTENCIES.
The statements and every updated reporting or what has been reported previously, CLEARLY show VARIOUS DIFFERENCES in the reported INFORMATION.
The frequent changes submitted by the furnisher as REQUIRED by the FCRA MUST provide PROOF that the information reported has been ACCURATELY VERIFIED, according to TRANSUNION and XXXX XXXX XXXX, THEY STATED THIS INFORMATION TO BE ACCURATE, WHICH IS A FALSE STATEMENT.
TRANSUNION updated my file using THE INACCURATE STATEMENTS AS " VERIFICATION '' ALTHOUGH, IT HAS BEEN CLEARLY STATED THE STATEMENTS WERE FRAUD and ALL Reportings INACCURATE. THE STATEMENTS ARE FRAUD.
Due to this, my credit score has BEEN TREMENDOUSLY AFFECTED, negatively impacting file and score.
All NEGATIVE information NEEDS TO BE REMOVED/DELETED/BLOCKED.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) : 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.
b. delete the item of information.
c. permanently block the reporting of that item of information.
Section 623 ( a ) of the FCRA prohibits a person from furnishing inaccurate information to CREDIT REPORTING AGENCIES.
The reasonable cause is the several inconsistent reportings and fradulent statements Follow up from complaint XXXX
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX and Transunion continue to report an alleged debt onto my consumer report. I have received no notice to dispute this alleged debt before it was furnished unto my consumer report. By federal law I have the right to dispute any debt before it is reported to the reporting agency. I have no obligation to XXXX XXXX XXXX.
15 U.S. Code 1692e - False or misleading representations U.S. Code Notes prev | next A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 U.S. Code 1692f - Unfair practices U.S. Code Notes prev | next A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev | next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code Notes prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX and Transunion continue to report an alleged debt onto my consumer report. I have received no notice to dispute this alleged debt before it was furnished unto my consumer report. By federal law I have the right to dispute any debt before it is reported to the reporting agency. I have no obligation to XXXX XXXX XXXX.
15 U.S. Code 1692e - False or misleading representations U.S. Code Notes prev | next A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 U.S. Code 1692f - Unfair practices U.S. Code Notes prev | next A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 U.S. Code 1692g - Validation of debts U.S. Code Notes prev | next ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
15 U.S. Code 1692j - Furnishing certain deceptive forms U.S. Code Notes prev | next ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
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| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I. Introduction : I am submitting this formal complaint against TransUnion, a major credit reporting agency, for multiple violations of the Fair Credit Reporting Act ( FCRA ) and other criminal activities.
II. Background : TransUnion has consistently demonstrated negligence in their duty to provide accurate credit reporting and has failed to conduct proper investigations into my consumer disputes.
III. Specific Violations : Failure of Accurate Investigation ( FCRA
611 - 15 U.S.C. 1681i ) : Subsection : Section 611 ( a ) ( 1 ) ( A ) mandates credit reporting agencies to complete investigations within 30 days of receiving a consumer dispute. Violation : TransUnion did not conduct a thorough and accurate investigation into my consumer dispute, showing a disregard for ensuring accurate and fair credit reporting. Misrepresentation to Regulatory Bodies ( FCRA 615 - 15 U.S.C. 1681m ) : Subsection : Section 615 prohibits credit reporting agencies from knowingly
providing inaccurate information.
Violation : TransUnion provided false information to the CFPB during their investigation into my complaint.
Inaccurat
e Reporting ( FCRA 623 - 15 U.S.C. 1681s-2 ) : Subsection : Section 623 ( a ) ( 1 ) ( C ) requires data furnishers to report accurate and complete information. Violation : TransUnion reported erroneous
information on my credit report, including a repossession despite no late payments on my account with XXXX XXXX XXXX XXXX XXXX.
Denial of Redress : Violation : TransUnion denied any form of redress, leaving me without an effective remedy.
IV. Criminal Activities : Racketeer Influenced and Corrupt Organizations Act ( RICO ) Violations : Violation : TransUnion 's consistent pattern of behavior, including the provision of false information and failure to conduct accurate investigations, indicates a larger scheme to defraud consumers, violating RICO.
Interstate and Foreign Travel or Transportation in Aid of Racketeering Enterprises ( 18 U.S.C. 1952 ) : Violation : TransUnion used interstate or foreign commerce facilities, such as electronic mail and phone lines, in the commission of their violations.
Obstruction of Justice ( FCRA 615 ) : Violation : By providing false information during an official investigation by the CFPB, TransUnion obstructed the due administration of justice.
Wire Fraud ( 18 U.S.C. 1343 ) : Violation : TransUnion utilized electronic communications, such as emails and electronic reports, to defraud consumers by providing false or misleading information related to credit reporting.
V. Request for Action : I request the CFPB and the FBI to investigate these matters and take appropriate enforcement actions against TransUnion. Their actions have violated my rights and set a dangerous precedent that credit reporting agencies can act without accountability.
Enclosed with this complaint are copies of relevant documentation supporting my claims, including correspondence with TransUnion, evidence of their violations, and my attempts to seek redress.
Thank you for your attention to this matter. I trust that the CFPB and the FBI will take the necessary steps to ensure that my rights are protected and that TransUnion is held accountable for their actions.
bring to your attention the numerous violations of federal laws committed by Trans Union, one of the major credit reporting agencies, and XXXX XXXX XXXX XXXX XXXX. It is deeply concerning that these entities have failed to adhere to the regulations set forth by the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws. I have documented evidence to support these claims, which will be attached to the official complaint filed with the Consumer Financial Protection Bureau ( CFPB ). I. Failure of Accurate Investigation by Trans Union Trans Union has egregiously failed to conduct a thorough and accurate investigation into my consumer dispute, as mandated by Section 611 of the FCRA ( 15 U.S.C. 1681i ). Despite providing them with all the necessary information and evidence, they have not diligently addressed my concerns and have instead misrepresented the facts. This lack of due diligence demonstrates their disregard for the FCRA 's requirement to ensure accurate and fair credit reporting. II. Misrepresentation to the CFPB Trans Union has deliberately misrepresented facts and provided false information to the CFPB during their investigation into my complaint. This deceptive behavior not only undermines the integrity of the investigative process but also violates Section 615 of the FCRA ( 15 U.S.C. 1681m ), which prohibits credit reporting agencies from knowingly providing inaccurate information to consumer reporting agencies. III. Violations of the FCRA by Trans Union Trans Union has consistently failed to abide by several provisions of the FCRA, thereby compromising the rights of consumers. The following are some of the specific violations : a ) Failure to provide accurate and complete information in consumer reports : Trans Union 's failure to provide accurate and complete information directly contravenes Section 607 ( a ) of the FCRA ( 15 U.S.C. 1681e ( a ) ), which mandates the maximum possible accuracy of consumer reports. b ) Negligence in conducting timely investigations and resolving disputes : The failure of Trans Union to conduct timely investigations and resolve disputes violates Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which requires credit reporting agencies to complete investigations within 30 days of receiving a consumer dispute. c ) Inadequate procedures to ensure maximum possible accuracy of consumer information : Trans Union 's failure to implement adequate procedures to ensure maximum possible accuracy of consumer information is a violation of Section 611 ( b ) of the FCRA ( 15 U.S.C. 1681i ( b ) ). e ) Lack of reasonable procedures to verify the accuracy of information provided by data furnishers : Trans Union 's failure to implement reasonable procedures to verify the accuracy of information provided by data furnishers violates Section 611 ( a ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) ). f ) Inaccurate reporting and failure to correct inaccurate information upon notification by consumers : The inaccurate reporting by Trans Union and their failure to correct inaccurate information upon notification by consumers are violations of Section 611 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 2 ) ). XXXX XXXX XXXX XXXX XXXX XXXX Violations of the FCRA : XXXX XXXX XXXX XXXX XXXX, as a data furnisher, has also violated several provisions of the FCRA. Notably, they failed to provide me, as a consumer, with a timely and accurate letter regarding the status of an account. This violation directly contravenes Section 623 ( a ) ( 8 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ), which requires data furnishers to provide accurate and complete information to consumer reporting agencies. Furthermore, XXXX XXXX XXXX XXXX XXXX XXXX letter contained an incorrect spelling of my name and an inaccurate address with the wrong state. This discrepancy in personal information not only violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681s- 2 ( a ) ( 1 ) ( A ) ), which mandates the accuracy of consumer information, but it also infringes upon Section 611 ( a ) ( 2 ) of the FCRA ( 15 U.S.C . 1681i ( a ) ( 2 ) ), which requires credit reporting agencies to correct inaccurate information upon notification by consumers. By failing to submit a timely and accurate letter, XXXX XXXX XXXX XXXX XXXX has violated the FCRA and has neglected their obligation to provide consumers with necessary and accurate information regarding their accounts. In light of the aforementioned violations, I kindly request the Consumer Financial Protection Bureau to thoroughly investigate these matters and take appropriate enforcement actions against Trans Union and XXXX XXXX XXXX XXXX XXXX. These violations have had a significant impact on my rights as a consumer and have caused considerable harm to my creditworthiness and financial well-being. I have attached all relevant supporting documentation to substantiate these violations. Thank you for your attention to this matter, and I trust that the Consumer Financial Protection Bureau will take swift action to rectify these violations and safeguard the rights of consumers. I. Inaccurate Reporting of Repossession by Trans Union Trans Union has erroneously reported a repossession on my credit report, despite there being no late payments in the seven-year history of my account with XXXX XXXX XXXX XXXX XXXX . This violation directly contravenes Section 623 ( a ) ( 1 ) ( C ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ) ), which requires data furnishers to report accurate and complete information to credit reporting agencies. The inaccurate reporting of a repossession without any late payments or voluntary repossession raises serious concerns about the integrity of Trans Union 's credit reporting practices. II. Incorrect Balance Reporting by Trans Union and XXXX XXXX XXXX XXXX XXXX Both Trans Union and XXXX XXXX XXXX XXXX XXXX have reported an incorrect balance on my account. This violation violates Section 623 ( a ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ), which mandates the accurate reporting of consumer account information. The inaccurate balance reported by these entities misrepresents my financial obligations and adversely affects my creditworthiness. III. Discrepancies in Reporting among Credit Reporting Agencies It is worth noting that the other two major credit reporting agencies have already deleted the account in question from my credit report, recognizing the inaccuracies and discrepancies reported by Trans Union.
This further emphasizes Trans Union 's failure to comply with Section 611 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and delete inaccurate or unverifiable information. Inaccuracy of Reported Account : Despite being listed as a co-buyer on this account, my signature is missing on the relevant state documents, including the bill of sale and reassignment of certificates of ownership. As a co- buyer and partial owner, it is crucial for my signature to be present on these documents. The absence of my signature raises concerns about the accuracy and legitimacy of the reported ownership and financial responsibility. Violations of FCRA Sections : a ) Section 611 ( a ) ( 5 ) : This provision mandates that credit reporting agencies, such as Trans Union, conduct a reasonable investigation when a consumer disputes the accuracy of reported information. I have provided sufficient evidence to substantiate my claim of inaccuracy, and it is imperative that Trans Union initiates a thorough investigation into this matter. b ) Section 623 ( a ) ( 2 ) : According to this section, data furnishers, including XXXX XXXX XXXX XXXX XXXX, are obligated to provide accurate and complete information to credit reporting agencies. As a co-buyer, I assert that the reporting of this account without my valid signature on the necessary state documents constitutes a violation of this provision. I would also like to emphasize that the inaccurate reporting of this account has had a detrimental impact on my creditworthiness and financial standing. In light of the FCRA violations outlined above, I anticipate prompt resolution and deletion of the disputed account from my credit report. Enclosed with this letter are copies of relevant documentation supporting my dispute, including proof of my co-buyer status and any other relevant information. I expect written confirmation from Trans Union within 30 days of receiving this letter, acknowledging the initiation of an investigation and providing an update on the progress of resolving this dispute. Failure to comply with the FCRA and rectify this matter may result in further legal action, including filing complaints with the appropriate regulatory bodies and seeking legal remedies.
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| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American, Servicemember |
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Elder financial Abuse My name is XXXX XXXX XXXX, a XXXX Veteran XXXX on XXXX XXXX. Tax ID XXXX. I received an Itemized statement from XXXX XXXX. Loan Information XXXX XXXX was the alleged XXXX Loan involved with me that originated by XXXX XXXX XXXX in XX/XX/XXXX. XXXX XXXX Alleged to have acquired the XXXX loan from XXXX XXXXXXXX in XX/XX/XXXX. The originated Home Equity Line of Credit was with XXXX in XX/XX/XXXX. XXXX was closed in XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is alleged to be involved with the XXXX XXXX loan from XXXX. XXXX XXXX is the alleged Senior lender. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the Alleged junior lender. Alleged to have acquired the XXXX Home Equity line of Credit in XXXX. On the statement date of XX/XX/XXXX states XXXX XXXX from XXXX, and sold the loan by XXXX XXXX. Then on XX/XX/XXXX charge XXXX XXXX Charge Number XXXX XXXX XXXX XXXX filed foreclosure. On XX/XX/XXXX XXXX XXXX alleges that the loan was paid off. On XX/XX/XXXX XXXX XXXX suddenly dismisses the lawsuit which is the second foreclosure lawsuit XXXX XXXX has dismissed on the home since XXXX. On XX/XX/XXXX A payoff statement was ordered from alleged to be XXXX XXXXXXXX XXXX. XXXX XXXX sends a letter to me in XX/XX/XXXX stating congratulations the loan was paid off with a release of mortgage. XXXX XXXX has never disclosed how the loan was paid off or why the Foreclosure was dismissed. I had an attorney at the time who I was paying a monthly bill to help me save my home. I thought all the loans on the home were paid off after my wife XXXX XXXX on XX/XX/XXXX through the probate of a wrongful death. However, a XXXX Home Equity line of Credit was taken out in XX/XX/XXXX. My Last payment was in XXXX with the real mortgage company XXXX before they closed in XXXX. Out of nowhere a XXXX XXXX XXXX XXXX XXXX alleges to have received assignment from XXXX on XX/XX/XXXX which is about XXXX years after my last payment. XXXX XXXX XXXXXXXX was calling me asking me to send documents regarding a previous loan with XXXX which I did not understand why. On XX/XX/XXXXXXXX XXXX XXXX XXXX York XXXX filed a foreclosure on the home without my knowledge or being served in any lawsuit. XXXX XXXX filed a foreclosure XX/XX/XXXX. When I found about it the foreclosure with XXXX XXXX XXXX XXXX XXXX it was XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXXXXXX stated to have no record of the home or involvement with XXXX XXXX XXXXXXXX. It appears that XXXX XXXX XXXX using the name XXXX XXXX XXXX XXXX XXXX as a decoy to hide XXXX XXXX XXXX from any involvement or liability with the foreclosure lawsuit. In the XXXX XXXX XXXX XXXX XXXX, I also discovered that documents were forged in my name as if I made appearances in court when I was working at the XXXX at the time. Then I hired an attorney on XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to XXXX XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. XXXX XXXXXXXX XXXX is alleging that it paid off the loan from XXXX XXXX. When it was alleged to already been sold off. XXXX XXXX XXXX instead alleged to have consolidated the loan to avoid XXXX XXXX foreclosure on the home that would have wiped any second liens on the title. I dont believe any loan was actually paid off to XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX is refusing to produce any payment information or wire transfer as to who, when, why or where this alleged payment was made. Now XXXX XXXX XXXX is claiming that it alleged to have paid off the loan, and added XXXX XXXX loan to the old XXXX loan. I never knew anything about this at all. I have never signed anything or applied for any, new loans, refinance, loan modifications, Deed, in lieu, forbearance or reverse mortgage, confirming consolidating anything with XXXX XXXXXXXX XXXX. Nor have I applied for loans above with any other lenders regarding the home. XXXX XXXX XXXXXXXX claims to have been paying extra home insurance on the home, Taxes, XXXX XXXX transferred loan adding taxes to this amount. The amount Im alleged to owe with XXXX XXXXXXXX XXXX is over XXXX on a home that is under water and worth less than XXXX. This is fraud, because I did not do any of this. Im being harassed by XXXX XXXX XXXXXXXX for money that I do not rightfully owe. I also recently discovered that XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX removed my name on the loan documents, and placed my former attorneys name to receive my loan billing statements. In the end my attorney claims to not know anything. Then later my former Attorney stated that he thinks XXXX XXXX XXXX XXXX XXXX paid it off. I was never informed by my former attorneys that anything was paid off for me to have to pay it later with another lender, or servicer. XXXX XXXX had me sign a loan Modification that originated by XXXX XXXX Bank XXXX loan that I had on the home in XXXX. The loan was alleged to be acquired by XXXX XXXX in XXXX. However, this can not be confirmed. Because Investors Saving Bank Received Government Assistance Failed on XX/XX/XXXX. The loan was created in XX/XX/XXXX with XXXX XXXX Bank XXXX. XXXX secured loan. In XXXX XXXX XXXX pressured me to sign a loan Modification changing those terms of the original loan from a XXXX loan to a regular Mortgage without informing me of that. XXXX, XXXX also did not get any approval from the XXXX to change the terms of the loan which was higher well above my income amount. Which now have me in the situation Im in today. Then soon after the loan Modification was completed a Bank called BXXXX XXXX XXXX XXXX XXXX filed a foreclosure less than XXXX days later after alleged to have signed a subordination agreement with XXXX XXXX. Now Im in a process to be evicted from my home by alleged to be XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX is using the name XXXX XXXX XXXX XXXX XXXX to Evict me from my home. XXXX XXXX XXXX also allege that I owe over XXXX to them that I know nothing about as well. I feel I have been a victim of Elder financial abuse, consumer fraud and fair debt collections act practices and mortgage foreclosure scam by hired law firm. It does appear that XXXX XXXXXXXX XXXX and XXXX XXXX were working together as this is connected with the National Mortgage Settlement ( XXXX ). XXXX XXXX filed the first foreclosure on XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. I was also informed that the alleged judgment by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is invalid. The XXXX case on the home is XXXX. However, the eviction case was dismissed in XX/XX/XXXX. Whomever is working with alleged XXXX XXXX XXXX XXXX XXXX is still trying to pursue the Eviction case despite being dismissed for want to prosecute on XX/XX/XXXX. The XXXX case was not refiled within XXXX year or vacated. XXXX XXXX XXXX is Threatened to sue me for debt not owed. I also have reason to believe that additional lawsuits have been filed against me By XXXX XXXXXXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXXXXXX that Im not aware of. Nor was I served by anyone regarding any new lawsuits. Seeking assistance with this matter. XXXX XXXX filed a foreclosure XX/XX/XXXX. I hired an attorney in XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX XXXX to have sold the loan in XX/XX/XXXX to XXXX XXXX XXXXXXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. This XXXX XXXX XXXXXXXX statement says that I made payments when I have not made any of these payments to XXXX XXXX XXXXXXXX. I feel that someone took out a loan in my name and identity with XXXX XXXX XXXX for me to pay it back later which is fraud. Im also a victim of identity theft as well since XXXX. XXXX XXXX XXXX - This a document that was Submitted to the XXXX with false claims that the home was vacant. When the home was not Vacant to have me restricted from accessing the home and my property removed from the home. Despite a wrongfully filed Eviction case against the home during the Illinois Eviction moratorium in the name of XXXX XXXX XXXX XXXX XXXX. Who is really XXXX XXXX XXXXXXXX? XXXX XXXX has been harassing us at the home and her husband for years. I have proof that she has been disparaging us with random people while claiming to be the realtor of the bank. Then she seems to not be sure what bank she is alleged to be working with. But have uploaded old outdated documents from XXXX XXXX XXXXXXXX. The XXXX document has XXXX XXXXXXXX XXXX on it as well. This is wire transfer fraud scam that wired money to my former attorney for a settlement that I did not receive any money from. This is not about the false statements by XXXX XXXX claiming the loan was paid off. The loan was forgiven for wrongdoing by XXXX XXXX. XXXX XXXX is working with XXXX XXXXXXXX XXXX as well. The amount that was alleged to be paid to XXXX XXXX from XXXX XXXX XXXXXXXX are totally different payment amounts. XXXX XXXXXXXX XXXX has XXXX amount and XXXX XXXX has another amount which is clearly fraud. Any payoff amount has to contain the exact same amount paid out and received. However, XXXX XXXX XXXXXXXX wants me to pay them back money that was never paid to XXXX XXXX loan. Nor did I confirm anything for XXXX XXXXXXXX XXXX to pay off any XXXX XXXX loan. Please look at the loan documents with my XXXX attorney 's mailing address on my statement for him to receive my pay statement only that I had no prior knowledge of. Nor did I authorize this with XXXX XXXX or my former Attorney. A lawsuit was filed in Illinois against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX XXXX deed came from alleged Washington mutual from XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX name was involved as part of a robo-signing mill transferring loans fraudulently. The XXXX records show that XXXX XXXXXXXX was acquired by XXXX not XXXX XXXX. I have the proof and documents of all allegations. XXXX XXXX dismissed both foreclosure actions were due to wrong doing not the loan being paid off. Now in XX/XX/XXXX the stories change that XXXX XXXX XXXX paid off the loan to XXXX XXXX which is false. Now XXXX XXXX XXXX wants me to pay back a loan alleged to have been paid off to XXXX XXXX. I did not authorize any payoff or loans or anything with XXXX XXXX XXXXXXXX which is fraud. Please review document attachments. I'm consulting with attorneys regarding fraudulent activity... XXXX XXXX continues to not answer or supply accurate information to my complaints filed. Please submit all responses to the lawsuit upload documents for review to the Consumer Financial Protection Bureau to conceal fraud /Elder abuse. XXXX XXXX also forged my name on documents as well. The make home Affordable document from XXXX XXXX is forged and not my signature. Please review the Making Home Affordable document page XXXX that the Monthly gross wages are scratched out, and the income expenses are incorrect. Not my hand writing. This is a fraudulent created document. I never signed any court affidavit or any affidavit with XXXX XXXX or any bank, confirming anyone third party or Attoney to be given access to any loan accounts documents. XXXX XXXX never confirmed anything to me to release any account documents to anyone, any attorneys and so forth. I never signed any notarized affidavit with any attorneys as well. XXXX XXXX refuses to take any accountability for there actions which was fraud against me plain and simple. Wire Transfer statement I received from XXXX XXXX XXXX review the Wire payoff details that was sent by XXXX XXXX appears fraudulent. This was alleged to be paid by XXXX XXXXXXXX XXXX. XXXX. There is no bank name on the alleged wire transfer XXXX. The loan amount is incorrect that was alleged to be owed to XXXX XXXX. XXXX. The file name, Load, Bank ID, Sequence and Wire Description the numbers look uneven or altered on the form. XXXX. No XXXX notes XXXX. No PO information XXXX. No case numbers XXXX. XXXX XXXX is a debit card that is from XXXX The bottom line is that the alleged wire transfer form is fraudulent.
Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/XXXX XXXX
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| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Older American, Servicemember |
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XXXX financial Abuse My name is XXXX XXXX XXXX, a XXXX Veteran XXXX on railroad XXXX. Tax ID XXXX. I received an Itemized statement from XXXX XXXX.
Loan Information XXXX XXXX was the alleged VA Loan involved with me that originated by Investors Saving Loan in XX/XX/XXXX.
XXXX XXXX Alleged to have acquired the VA loan from XXXX XXXX in XX/XX/XXXX.
The originated Home Equity Line of Credit was with XXXX in XX/XX/XXXX.
XXXX was closed in XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is alleged to be involved with the Old XXXX loan from XXXX.
XXXX XXXX is the alleged Senior lender.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is the Alleged junior lender. Alleged to have acquired the XXXX Home Equity line of Credit in XXXX.
On the statement date of XX/XX/XXXX states Loan Buyout from XXXX, and sold the loan by XXXX XXXX. Then on XX/XX/XXXX charge XXXX XXXX Charge Number XXXX XXXX XXXX XXXX filed foreclosure. On XX/XX/XXXX XXXX XXXX alleges that the loan was paid off. On XX/XX/XXXX XXXX XXXX suddenly dismisses the lawsuit which is the second foreclosure lawsuit XXXX XXXX has dismissed on the home since XXXX. On XX/XX/XXXX A payoff statement was ordered from alleged to be XXXX XXXX XXXXXXXX. XXXX XXXX sends a letter to me in XX/XX/XXXX stating congratulations the loan was paid off with a release of mortgage. XXXX XXXX has never disclosed how the loan was paid off or why the Foreclosure was dismissed. I had an attorney at the time who I was paying a monthly bill to help me save my home. I thought all the loans on the home were paid off after my wife passed away on XX/XX/XXXX through the probate of a wrongful death. However, a XXXX Home Equity line of Credit was taken out in XX/XX/XXXX. My Last payment was in XXXX with the real mortgage company XXXX before they closed in XXXX. Out of nowhere a XXXX XXXX XXXX XXXX XXXXXXXX alleges to have received assignment from XXXX on XX/XX/XXXX which is about 6 years after my last payment. XXXX XXXX XXXXXXXX was calling me asking me to send documents regarding a previous loan with XXXX which I did not understand why.
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX filed a foreclosure on the home without my knowledge or being served in any lawsuit. XXXX XXXX filed a foreclosure XX/XX/XXXX. When I found about it the foreclosure with XXXX XXXX XXXX XXXX XXXXXXXX it was XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX stated to have no record of the home or involvement with Bank XXXX XXXX. It appears that XXXX XXXX XXXXXXXX using the name XXXX XXXX XXXX XXXX XXXX as a decoy to hide XXXX XXXX XXXXXXXX from any involvement or liability with the foreclosure lawsuit. In the XXXX XXXX XXXX XXXX XXXX, I also discovered that documents were forged in my name as if I made appearances in court when I was working at the VA at the time. Then I hired an attorney on XX/XX/XXXX after that and not sure what happened next until now.
XXXX XXXX Alleged to have sold the loan in XX/XX/XXXX to XXXX XXXX XXXXXXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both. XXXX XXXX XXXXXXXX is alleging that it paid off the loan from XXXX XXXX. When it was alleged to already been sold off. XXXX XXXXXXXX XXXX instead alleged to have consolidated the loan to avoid XXXX XXXX foreclosure on the home that would have wiped any second liens on the title. I dont believe any loan was actually paid off to XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXXXXXX is refusing to produce any payment information or wire transfer as to who, when, why or where this alleged payment was made. Now XXXX XXXX XXXX is claiming that it alleged to have paid off the loan, and added XXXX XXXX loan to the old XXXX loan. I never knew anything about this at all. I have never signed anything or applied for any, new loans, refinance, loan modifications, Deed, in lieu, forbearance or reverse mortgage, confirming consolidating anything with XXXX XXXX XXXXXXXX. Nor have I applied for loans above with any other lenders regarding the home. XXXX XXXX XXXXXXXX claims to have been paying extra home insurance on the home, Taxes, XXXX XXXX transferred loan adding taxes to this amount. The amount Im alleged to owe with XXXX XXXX XXXX is over XXXX on a home that is under water and worth less than XXXX. This is fraud, because I did not do any of this. Im being harassed by XXXX XXXX XXXX for money that I do not rightfully owe. I also recently discovered that XXXX XXXX in XX/XX/XXXX to XX/XX/XXXX removed my name on the loan documents, and placed my former attorneys name to receive my loan billing statements. In the end my attorney claims to not know anything. Then later my former Attorney stated that he thinks XXXX XXXX XXXX XXXX XXXX paid it off. I was never informed by my former attorneys that anything was paid off for me to have to pay it later with another lender, or servicer. XXXX XXXX had me sign a loan Modification that originated by XXXX XXXX XXXX VA loan that I had on the home in XXXX. The loan was alleged to be acquired by XXXX XXXX in XXXX. However, this can not be confirmed. Because XXXX XXXX XXXX Received Government Assistance Failed on XX/XX/XXXX. The loan was created in XX/XX/XXXX with XXXX XXXX XXXX XXXX. VA secured loan. In XXXX XXXX XXXX pressured me to sign a loan Modification changing those terms of the original loan from a VA loan to a regular Mortgage without informing me of that. XXXX, XXXX also did not get any approval from the VA to change the terms of the loan which was higher well above my income amount. Which now have me in the situation Im in today. Then soon after the loan Modification was completed a Bank called XXXX XXXX XXXX XXXX XXXX filed a foreclosure less than 30 days later after alleged to have signed a subordination agreement with XXXX XXXX.
Now Im in a process to be evicted from my home by alleged to be XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX is using the name XXXX XXXX XXXX XXXX XXXX to Evict me from my home. XXXX XXXX XXXX also allege that I owe over XXXX to them that I know nothing about as well. I feel I have been a victim of XXXX financial abuse, consumer fraud and fair debt collections act practices and mortgage foreclosure scam by hired law firm. It does appear that XXXX XXXX XXXX and XXXX XXXX were working together as this is connected with the National Mortgage Settlement ( XXXX ). XXXX XXXX filed the first foreclosure on XX/XX/XXXX XXXX XXXX Illinois XXXX XXXX. I was also informed that the alleged judgment by XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX is invalid. The Eviction case on the home is XXXX. However, the eviction case was dismissed in XX/XX/XXXX. Whomever is working with alleged XXXX XXXXXXXX XXXX XXXX XXXXXXXX is still trying to pursue the Eviction case despite being dismissed for want to prosecute on XX/XX/XXXX. The Eviction case was not refiled within one year or vacated. Bank XXXX XXXX is Threatened to sue me for debt not owed. I also have reason to believe that additional lawsuits have been filed against me By XXXX XXXX XXXX or Alleged XXXX XXXX XXXX XXXX XXXX that Im not aware of. Nor was I served by anyone regarding any new lawsuits. Seeking assistance with this matter. XXXX XXXX filed a foreclosure XX/XX/XXXX. I hired an attorney in XX/XX/XXXX after that and not sure what happened next until now. XXXX XXXX Alleged to have sold the loan in XX/XX/XXXX to XXXX XXXX XXXX. XXXX XXXX claims it was paid off on XX/XX/XXXX it can not be both.
This XXXX XXXX XXXX statement says that I made payments when I have not made any of these payments to XXXX XXXX XXXX. I feel that someone took out a loan in my name and identity with XXXX XXXX XXXX for me to pay it back later which is fraud. Im also a victim of identity theft as well since XXXX.
Docket Page 14 - This a document that was Submitted to the Village with false claims that the home was vacant. When the home was not Vacant to have me restricted from accessing the home and my property removed from the home. Despite a wrongfully filed Eviction case against the home during the Illinois Eviction moratorium in the name of XXXX XXXX XXXX XXXX XXXX. Who is really XXXX XXXX XXXX?
XXXX XXXX has been harassing us at the home and her husband for years. I have proof that she has been disparaging us with random people while claiming to be the realtor of the bank. Then she seems to not be sure what bank she is alleged to be working with. But have uploaded old outdated documents from XXXX XXXX XXXX. The Vacancy document has XXXX XXXX XXXX on it as well. This is wire transfer fraud scam that wired money to my former attorney for a settlement that I did not receive any money from. This is not about the false statements by XXXX XXXX claiming the loan was paid off. The loan was forgiven for wrongdoing by XXXX XXXX. XXXX XXXX is working with XXXX XXXX XXXX as well. The amount that was alleged to be paid to XXXX XXXX from Bank XXXX XXXX are totally different payment amounts. XXXX XXXX XXXX has one amount and XXXX XXXX has another amount which is clearly fraud. Any payoff amount has to contain the exact same amount paid out and received. However, XXXX XXXX XXXX wants me to pay them back money that was never paid to XXXX XXXX loan. Nor did I confirm anything for XXXX XXXX XXXX to pay off any XXXX XXXX loan. Please look at the loan documents with my Former attorney 's mailing address on my statement for him to receive my pay statement only that I had no prior knowledge of. Nor did I authorize this with XXXX XXXX or my former Attorney.
A lawsuit was filed in Illinois against XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX. XXXX XXXX deed came from alleged XXXX XXXX from XXXX XXXX XXXX. The XXXX XXXX XXXX XXXX name was involved as part of a robo-signing mill transferring loans fraudulently. The FDIC records show that XXXX XXXX was acquired by XXXX not XXXX XXXX. I have the proof and documents of all allegations. XXXX XXXX dismissed both foreclosure actions were due to wrong doing not the loan being paid off. Now in XX/XX/XXXX the stories change that XXXX XXXX XXXX paid off the loan to XXXX XXXX which is false.
Now XXXX XXXX XXXX wants me to pay back a loan alleged to have been paid off to XXXX XXXX. I did not authorize any payoff or loans or anything with XXXX XXXX XXXX which is fraud. Please review document attachments. I'm consulting with attorneys regarding fraudulent activity... XXXX XXXX continues to not answer or supply accurate information to my complaints filed. Please submit all responses to the lawsuit upload documents for review to the Consumer Financial Protection Bureau to conceal fraud /Elder abuse. XXXX XXXX also forged my name on documents as well. The make home Affordable document from XXXX XXXX is forged and not my signature. Please review the Making Home Affordable document page XXXX that the Monthly gross wages are scratched out, and the income expenses are incorrect. Not my hand writing. This is a fraudulent created document.
I never signed any court affidavit or any affidavit with XXXX XXXX or any bank, confirming anyone third party or Attoney to be given access to any loan accounts documents. XXXX XXXX never confirmed anything to me to release any account documents to anyone, any attorneys and so forth. I never signed any notarized affidavit with any attorneys as well. XXXX XXXX refuses to take any accountability for there actions which was fraud against me plain and simple.
Wire Transfer statement I received from XXXX XXXX XXXX review the Wire payoff details that was sent by XXXX XXXX appears fraudulent. This was alleged to be paid by Bank XXXX XXXX.
XXXX. There is no bank name on the alleged wire transfer XXXX. The loan amount is incorrect that was alleged to be owed to XXXX XXXX.
XXXX. The file name, Load, Bank ID, Sequence and Wire Description the numbers look uneven or altered on the form.
XXXX. No XXXX notes XXXX. No PO information XXXX. No case numbers XXXX. XXXX XXXX is a debit card that is from XXXX The bottom line is that the alleged wire transfer form is fraudulent.
Respectfully Submitted XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX XX/XX/XXXX 2022
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| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My name is XXXX XXXX. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. These accounts have been negatively affecting my credit profile for years now, it has stopped me from growing and investing. I feel like my life has been taken away from me. I need these items removed so that I can move forward.
FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) Disclosures to Consumers Information Available to Victims ( e ) Information available to victims ( 1 ) In general. For the purpose of documenting fraudulent transactions resulting from identity theft, not later than 30 days after the date of receipt of a request from a victim in accordance with paragraph ( 3 ), and subject to verification of the identity of the victim and the claim of identity theft in accordance with paragraph ( 2 ), a business entity that has provided credit to, provided for consideration products, goods, or services to, accepted payment from, or otherwise entered into a commercial transaction for consideration with, a person who has allegedly made unauthorized use of the means of identification of the victim, shall provide a copy of application and business transaction records in the control of the business entity, whether maintained by the business entity or by another person on behalf of the business entity, evidencing any transaction alleged to be a result of identity theft to -- ( A ) the victim ; ( B ) any Federal, State, or local government law enforcement agency or officer specified by the victim in such a request ; or ( C ) any law enforcement agency investigating the identity theft and authorized by the victim to take receipt of records provided under this subsection. ( 2 ) Verification of identity and claim. Before a business entity provides any information under paragraph ( 1 ), unless the business entity, at its discretion, otherwise has a high degree of confidence that it knows the identity of the victim making a request under paragraph ( 1 ), the victim shall provide to the business entity -- ( A ) as proof of positive identification of the victim, at the election of the business entity -- ( i ) the presentation of a government-issued identification card ; ( ii ) personally identifying information of the same type as was provided to the business entity by the unauthorized person ; or ( iii ) personally identifying information that the business entity typically requests from new applicants or for new transactions, at the time of the victims request for information, including any documentation described in clauses ( i ) and ( ii ) ; and ( B ) as proof of a claim of identity theft, at the election of the business entity -- ( i ) a copy of a police report evidencing the claim of the victim of identity theft ; and ( ii ) a properly completed -- ( I ) copy of a standardized affidavit of identity theft developed and made available by the Commission ; or ( II ) an [ FN1 ] affidavit of fact that is acceptable to the business entity for that purpose. ( 3 ) Procedures. The request of a victim under paragraph ( 1 ) shall -- ( A ) be in writing ; ( B ) be mailed to an address specified by the business entity, if any ; and ( C ) if asked by the business entity, include relevant information about any transaction alleged to be a result of identity theft to facilitate compliance with this section including -- ( i ) if known by the victim ( or if readily obtainable by the victim ), the date of the application or transaction ; and ( ii ) if known by the victim ( or if readily obtainable by the victim ), any other identifying information such as an account or transaction number. ( 4 ) No charge to victim. Information required to be provided under paragraph ( 1 ) shall be so provided without charge. ( 5 ) Authority to decline to provide information. A business entity may decline to provide information under paragraph ( 1 ) if, in the exercise of good faith, the business entity determines that -- ( A ) this subsection does not require disclosure of the information ; ( B ) after reviewing the information provided pursuant to paragraph ( 2 ), the business entity does not have a high degree of confidence in knowing the true identity of the individual requesting the information ; ( C ) the request for the information is based on a misrepresentation of fact by the individual requesting the information relevant to the request for information ; or ( D ) the information requested is Internet navigational data or similar information about a persons visit to a website or online service. ( 6 ) Limitation on liability. Except as provided in section 1681s of this title, sections 1681n and 1681o of this title do not apply to any violation of this subsection. ( 7 ) Limitation on civil liability. No business entity may be held civilly liable under any provision of Federal, State, or other law for disclosure, made in good faith pursuant to this subsection. ( 8 ) No new recordkeeping obligation. Nothing in this subsection creates an obligation on the part of a business entity to obtain, retain, or maintain information or records that are not otherwise required to be obtained, retained, or maintained in the ordinary course of its business or under other applicable law. ( 9 ) Rule of construction ( A ) In general. No provision of subtitle A of title V of Public Law 106-102, prohibiting the disclosure of financial information by a business entity to third parties shall be used to deny disclosure of information to the victim under this subsection. ( B ) Limitation. Except as provided in subparagraph ( A ), nothing in this subsection permits a business entity to disclose information, including information to law enforcement under subparagraphs ( B ) and ( C ) of paragraph ( 1 ), that the business entity is otherwise prohibited from disclosing under any other applicable provision of Federal or State law. ( 10 ) Affirmative defense. In any civil action brought to enforce this subsection, it is an affirmative defense ( which the defendant must establish by a preponderance of the evidence ) for a business entity to file an affidavit or answer stating that -- ( A ) the business entity has made a reasonably diligent search of its available business records; and ( B ) the records requested under this subsection do not exist or are not reasonably available. ( 11 ) Definition of victim. For purposes of this subsection, the term victim means a consumer whose means of identification or financial information has been used or transferred ( or has been alleged to have been used or transferred ) without the authority of that consumer, with the intent to commit, or to aid or abet, an identity theft or a similar crime. ( 12 ) Effective date. This subsection shall become effective 180 days after XX/XX/2003. ( 13 ) Effectiveness study. Not later than 18 months after XX/XX/2003, the Comptroller General of the United States shall submit a report to Congress assessing the effectiveness of this provision.
FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing in accordance with the Fair Credit Reporting Act. The following information that appears on my Transunion report from XX/XX/XXXX is directly violating my right to privacy. The following information details infractions incurred : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act.
This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681.
15 U.S.C. 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Dection 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The original creditor is XXXX XXXX XXXX XXXX XXXX
In accordance with the Fair Credit Reporting Act. This account listed below violated my federally protected consumer rights to privacy and confidentiality under 15 UCS 1681. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency cannon furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Please reinvestigate these matters and delete them as soon as possible.
Thank you for your assistance.
Sincerely, XXXX XXXX
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| 07/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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my name is XXXX XXXX XXXX I have reached out to XXXX/TRANSUNION/XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federalrights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/TRANSUNION/XXXX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/Transunion/XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft Prevention Act of XXXX. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint CALIFORNIA STATE ATTORNEY GENERAL COMPLAINTS AND CALIFORNIA CONSUMER PROTECTION AND INNOVATION COMPLAINTS about ( FRAUDULENT ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733 . ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumerreporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXXXXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & LastName 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.
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| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, a dereliction of duty, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Reporting Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries without permissible purpose or consent : Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least XXXX days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud or unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX, and XXXX are consumer reporting agencies and I am the Consumers Beneficiary.
I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Any and all consent to XXXX, XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) provides the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The listed accounts and inquiries are adverse items reported without notice or my permission, producing an effect that prevents access to my estates extensions of credit as the beneficiary, denied rights of action, chose-in-action, a conflict of interest against equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Title 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right to opt-out, my beneficiary interest rights, and my financial privacy rights, NOW so mote it be ; I am opting out of your reporting services regarding ANY adverse reporting of choses-in-action in a conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Regarding estates and trusts equity case law has provided : In cases of trust, where the trustee has violated his trust by an illegal conversion of the trust property, the cestui que trust has a right to follow the property into whosesoever hands he may find it, not being a bona fide purchaser for a valuable consideration, without notice. Where a trustee has, in violation of his trust, invested the trust property or its proceeds in any other property, the cestui que trust has his option either to hold the substituted property liable to the original trust, or to hold the trustee himself personally liable for the breach of the trust. The option, however, belongs to the cestui que trust alone and is for his benefit, and not for the benefit of the trustee. If the trustee, after such an unlawful conversion of the trust property, should repurchase it, the cestui que trust may, at his option, either hold the original property subject to the trust or take the substituted property in which it has been invested, in lieu thereof. And the trustee, in such a case, has no right to insist that the trust shall, upon the repurchase, attach exclusively to the original trust property. Where the trust property has been unlawfully invested, with other funds of the trustee, in other property, the latter, in the hands of the trustee, is chargeable pro tanto to the amount or value of the original trust property.
What constitutes notice of a trust? An agent, employed by a trustee in the management of the trust property, and who thereby acquires a knowledge of the trust, is, if he afterwards becomes possessed of the trust property, bound by the trust, in the same manner as the trustee. Where, upon the face of the title papers, the purchaser has full means of acquiring complete knowledge of the title from the references therein made to the origin and consideration thereof, he will be deemed to have constructive notice thereof. A co-proprietor of real property, derived under the same title as the other proprietors, is presumed to have full knowledge of the objects and purposes and trusts attached to the original purchase, and for which it is then held for their common benefit.
XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) When a trustee abuses his trust -- converting trust property into new forms -- the cestui que trust has the option to take the original or the substituted property, and if either has passed into the hands of a bona fide purchaser without notice, then its value in money. If the trust property comes back into the hands of the trustee, that fact does not affect the right of the cestui que trust. The principle is that the wrongdoer shall derive no benefit from his wrong, and that profits which he makes belong to the cestui que trust. Equity will accordingly so mould and apply the remedy as to give them to him, giving, however, the party thus charged proper credits for money which he has paid, but which, if things had all been regularly transacted, the cestui que trust should have paid, making proper allowances for rent, interest & c., and putting things on such a footing as under the circumstances does the most complete justice.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Where property held upon any trust to keep, or use, or invest it in a particular way is misapplied by the trustee and converted into different property, or is sold and the proceeds are thus invested, the property may be followed wherever it can be traced through its transformations, and will be subject, when found in its new form, to the rights of the original owner or cestui que trust. It does not alter the case that the newly acquired property, instead of being purchased with the proceeds of the original property, is obtained by a direct exchange for it. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
XXXX XXXX XXXX XXXX XXXX Living Soul , Beneficiary Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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AAFCU acct. XXXX was reinserted to my credit file without my knowledge. The FCRA lays out specific requirements that have to be met in order to reinsert an account. I was never notified in writing within XXXX business days from the date of reinsertion. This is a violation. Prove that I received notice. Theres no certified mail, signature, green return receipt. Transunion is to certify that the information is accurate before reinsertion per the FCRA.
Care was not taken into this matter as it has yet to be resolved in a manner that is fair and equitable to me, the consumer, per the FCRA regulations.
Inaccurate or incomplete information ; *the account is reporting {$0.00} for high balance. FCRA violation.
*theres no closed date reporting but the account status is reporting closed. Incomplete information. FCRA violation.
XXXX XXXX theres no payment history reporting that month with payment history reporting before and after. FCRA violation.
I explained the violations your agency is committed under the FCRA, while informing your agency these items were reported without my expressed written consent violating the permissible purpose section of the FCRA. This leads to the way of identity theft, violating the block of information resulting from the identity theft section, which leads to a violation of the civil liability section of the FCRA. Your agency has clearly refused to follow the law and to honor my previous request so I am requesting a reinvestigation and demanding your agency explain your method of verification in verifying these items, pursuant to the Fair Credit Reporting Acts Procedure in case of disputed accuracy section. 15 USC 1681i ( 7 ) which states : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
The law clearly states : Shall is an imperative command, usually indicating that certain action are mandatory, and not permissive. This contrast the word may, which is usually used to indicate a permissive provision, ordinarily implying some degree of discretion.
This means that the term shall is a term that states something is mandatory and I am demanding an adequate answer no later than 15 days or these items must be deleted.
I have suffered emotional distress as a result of this matter and I have been XXXX and XXXX as a result so I demand that this matter be resolved in a fair and equitable manner, which still hasnt been done.
A consumer report is defined as the following under the FCRA ( d ) Consumer Report.
( XXXX ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title Its important the items above have not mentioned the use of FICO which is literally the scoring system used by your agency to judge me as a consumer. FICO is not included in the consumer report and is a factor your agency has taken upon themselves in the role your agency has assumed, per the Fair Credit Reporting Acts congressional findings section which states the following : ( a ) Accuracy and fairness of credit reporting Congress make the following findings.
3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
Because consumer reporting agencies like your agency have ASSUMED the vital role, Congress explained how it important to respect the right to privacy as stated in the following : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Furthermore, its important to be aware if the Fair Credit Reporting Acts exclusion section in my explanation on HOW and WHY these items should be deleted. The exclusion section says the following : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The FCRA explains clearly that both transactions and experiences between the consumer and person making the report are to be excluded or not included on a consumer report. I am the consumer and a person is defined as the following under the FCRA : person ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
The term person includes both your agency and any entity thats reported as the furnisher of the information that appears on my consumer report. Essentially, all the items I am disputing fall under this category of what is to be excluded from my consumer report.
Im suppose to get 3 disclosures under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
XXXX and transunion are non affiliated third partys and this privacy notice states that the consumer can not limit ( opt out ) their information for being shared to a credit bureau. This is breaks federal law and is fraudulent activity.
The company privacy notice does not allow the consumer to fully exercise disclosure B under the law making this fraud and without proper consent the FTC states that is identity theft.
18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information Again the items I am disputing are as follows : XXXX XXXX Reason : These accounts are related to a transaction and experience that falls under the EXCLUSION section or the FCRAs definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identify theft ( as defined by the Federal Trade Commission ), and the account shall be deleted. This account is not related to any transaction authorized by me, the consumer as I did not give written instruction to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. I demand you delete this item from my consumer report.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
In addition, your agency has violated my consumer rights and violated federal law under the permissible purpose section ; theres proof in 15 usc 1681b ( 2 ) of the FCRA which is listed below ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2 ) In accordance with the written instructions of the consumer to whom it relates.
I clearly did not given your agency written permission or written instruction to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained detention of my character, just to name a couple of damages should this matter escalate to court.
I am distressed that you have included information below into my consumer file and that you have failed to maintain reasonable procedures to ensure maximum possible accuracy in the credit reports you publish, which is a violation of the FCRAs compliance procedures section, 15 usc 1681e ( b ).
I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are fraud that I did not authorize.
The FCRAs block of information section ; 15 U.S. Code 1681c2 - Block of information resulting from identity theft a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Again, I have provided all XXXX pieces of information and I expect these listed accounts above to be blocked and deleted within XXXX business days of your receipt of this notice, otherwise you are in violation of my rights under the FCRA once again.
If you do not initiate an investigation regarding my dispute and delete this information within XXXX business days of receipt of this notice per 15 usc 1681c-2 and inform me of your method of verification per 15 usc 1681i ( 7 ), as my right under the FCRA, I will have to take legal action to protect my credit rating and myself. Each violation of the FCRA allows damages of {$1000.00} should this matter end up in court.
I have suffered emotional distress and as a result of this matter and I have felt XXXX as a result. Therefore, I am compelled to escalate this matter and request a fair and equitable resolution through arbitration, per Transunion arbitration agreement.
Despite my previous communication efforts regarding this topic, this matter has not been adequately and fairly resolved as the FCRAs congressional findings section honors.
I am aware that under Transunion arbitration agreement transunion is responsible for paying HALF filing fees. However, considering the substantial cost associated with the arbitration process, I am providing Transunion with an opportunity to avoid these expenses altogether.
Delete these items and issue me a new, updated consumer report Thanks, XXXX XXXX. XXXX
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
14. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
16. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr AFNI Account Number : XXXX Please remove it from my credit report.
18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
20. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
21. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 09/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Part A : Provide a brief description of the complaint including dates and the names of those you dealt with.
( Do not include any personal information such as account number or social security numbers. ) On XX/XX/2020, I had filed a formal compliant with the Consumer Financial Protection Bureau ( CFPB ) and, I was assigned by the CFPB complaint number as, XXXX. After, I had discovered onto my XXXX XXXX XXXX XXXX ( XXXX ) Credit File Account in the Soft Inquires category or section with an ascribed abbreviation word as, XXXX doing business as, XXXX XXXX XXXX XXXX ( XXXX XXXX ) had unlawfully accessed my frozen XXXX Credit File Account dated on XX/XX/2020 without my legal authorizations, consents, acknowledgements, or knowingly and willfully participations into a said fictitious notarized instruments in order for XXXX XXXX to unlawfully distribute to any consumers a XXXX XXXX VISA debit cards using my Personal Identifiable Information ( PII ). In which, I had not applied for any XXXX XXXX VISA products applications online using their web application ( XXXX ). See Exhibit A.
On XX/XX/2020, I had received a letter from XXXX XXXX XXXX. ( NMLS # XXXX ) by way of the United States Postal Service ( USPS ) mailed delivery letter placed into my residential mailbox, XXXX, in response to my CFPB complaint associated with my CFPB assigned number ( XXXX ) from XXXX XXXX who is a Certified Regulatory Compliance Manager ( CRCM ) and, a Certified Anti-Money Laundering Specialist ( CAMS ) from a working job title as, Compliance Officer. And, Ms. XXXX contextualized content of her letter including her telephone communication with me at approximately from XXXX XXXX to XXXX XXXX was not well-defined in explaining XXXX XXXX XXXX. formal legal relations to the second ( XXXX ) enclosed letter from XXXX XXXX is as follows : XXXX XXXX is in receipt of your complaint. Please see the attached response. See Exhibit B.
And, the second ( 2nd ) enclosed letter from XXXX XXXX had stated : XXXX XXXX XXXX, XXXX ( XXXX XXXX ) has no record of Ms. XXXX in our system of record. Further, XXXX XXXX does not perform soft or hard inquiries of credit as part of its business operations. It is XXXX XXXX belief that the XXXX that appears on Ms. XXXX credit report is a company that was acquired by TransUnion, the credit reporting agency. When contacted directly by Ms. XXXX on XX/XX/2020, we informed Ms. XXXX of this confusion and suggested that she contact TransUnion to resolve the matter ; written by XXXX XXXX who is the Vice President, General Counsel and Chief Compliance Officer ( CCO ) of XXXX XXXX. See Exhibit C.
In the XXXX XXXX letter written by Ms. XXXX had under mindedly and intentionally applied with an extraordinary cruel and unusual conspiratorial objectives in using the wrong Credit Reporting Agency legal name as, TransUnion Inc ( TransUnion ) instead of XXXX legal name when I had officially documented onto my original complaint to the CFPB who had addressed my complaint to XXXX XXXX in regards to XXXX who had ran XXXX, short abbreviation as a soft inquiry onto my [ frozen ] XXXX Credit File Account unlawfully dated on XX/XX/2020 is a sign of fraudulent activities concealment and identity thefts coverup between XXXX XXXX and XXXX XXXX XXXX. who [ m ] had used my PII, or XXXX XXXX and XXXX XXXX XXXX. had allowed an assailant [ s ] to subscribed by a fictitious names and forge [ d ] my signature [ s ] onto a notarized instrument [ s ] by ways of a [ n ] Power of Attorneys and [ or ] Affidavits. And, the [ se ] assailant [ s ] had executed the [ se ] instrument [ s ] without my authorizations, consents, acknowledgments, or knowingly and willfully participations into a said XXXX access [ es ] to my [ frozen ] XXXX Credit File Account using my PII and [ or ] forged and fraudulent notarized instruments.
Furthermore, on or about the same time of reference dated on XX/XX/2020, I had difficulty logging into my TransUnion Credit File Account at approximately XXXX XXXX and, I had contacted TransUnions telephone representative at XXXX in regards to why I could not log into my online TransUnion Credit File Account. After, I had explained to the TransUnions telephone representative then I was suddenly connected from our call then I had call TransUnions telephone representative, again. This time, I was connected to the TransUnions telephone representative name, XXXX at approximately XXXX am dated on XX/XX/2020 and, I had explained to XXXX ( the TransUnions telephone representative ) in regard to my login TransUnion Credit File Account problem. And, our communication lasted approximately twenty-three ( 23 ) minutes and, on this day, XX/XX/2020 when XXXX XXXX had unlawfully run my Credit File Account. However, I am not exactly sure, which Credit Reporting Agencies had compromised or breached my Credit File Accounts either XXXX or TransUnion, or both who [ m ] had unlawfully ran the XXXX short abbreviation onto my Credit File Account dated on XX/XX/2020. Whether TransUnion unlawfully unlocked and ran my [ frozen ] TransUnion Credit File Account then XXXX short abbreviation had shown up onto my XXXX Credit File Account, as a soft inquiry, or XXXX unlawfully unlocked and ran my [ frozen ] XXXX Credit File Account then XXXX short abbreviation had shown up onto my XXXX XXXX XXXX Account, as a soft inquiry.
In addition, another strange incident or event had occurred in the month of XX/XX/XXXX and, in the year of XX/XX/2020, after, I had applied for an XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX credit card online application from their XXXX website. And, I had been denied a Blue Cash Everyday credit card from the XXXX XXXX for : No undisputed tradelines exist with a status date or a balance within the last 6 months, dated on XX/XX/2020. So, I had decided to apply for an XXXX XXXX XXXX XXXX XXXX credit card, again, in XXXX of 2020 because I had been told by the XXXX XXXX XXXX representative. After, I had been denied on XX/XX/2020 that XXXX XXXX process consumer online application using two ( 2 ) out of the three ( 3 ) Credit Reporting Agencies in order to determine consumers credit worthiness. So, in XXXX of 2020, I had applied online for an XXXX XXXX XXXX XXXX XXXX credit card, again and, I had unlocked only my two ( 2 ) out of the three ( 3 ) Credit Reporting Accounts, as I was told from my communication with an XXXX XXXX Telephone Representative dated on XXXX XXXX. As, I am applying for the XXXX XXXX XXXX XXXX XXXX credit card online, I had contacted the XXXX XXXX telephone representative to ensured my XXXX XXXX XXXX XXXX XXXX credit card online application goes smoothly during the XXXX XXXX online process. Well, I had been told by the XXXX XXXX XXXX representative in which, I needed to unlock my third ( 3rd ) Credit Reporting File Account in order to be approved for the XXXX XXXX XXXX XXXX XXXX credit card. However, I do believe it was TransUnion Credit File Account, I had unlocked but I am not too sure, which of the three ( 3 ) Credit Reporting File Accounts, I had unlocked last because someone had unlawfully trespassed against my apartment unit ( XXXX ) and, stolen all my XXXX XXXX online application supported printouts, mailed documentation from the XXXX XXXX sent by way of the USPS and deleted all of my XXXX XXXX XXXX files saved onto my USB associated with my online XXXX XXXX XXXX for no apparent reasons. Please keep in mind, I am an IT developer ( Student ) and, I had experienced onto my TransUnion Credit File Account from my first ( 1st ) XXXX XXXX online application was only process once dated on XX/XX/2020, onto the inquires alert notification section of my TransUnion Credit File Account but someone possibly a TransUnions employee [ s ] and [ or ] affiliate [ s ] had recently changed, manipulated or altered my actual online TransUnion Credit File Data from the server-side web application. In order to hard code onto my second ( 2nd ) XXXX XXXX online application processed on XXXX of 2020, masked or overwritten, as XX/XX/2020 date, as if, my XXXX XXXX online application had been processed on a multiple attempts ( four ( 4 ) times ) from XXXX of 2020 date to XX/XX/2020 date manipulations when I had applied for an XXXX XXXX XXXX XXXX XXXX credit card applications for a second ( 2nd ) time and, I had been denied an XXXX XXXX XXXX XXXX XXXX credit card in XXXX of 2020.
Now, I am extremely suspicious that there may be an XXXX XXXX XXXX XXXX XXXX credit card [ s ] or any other XXXX XXXX products distributed unlawfully as a [ n ] public domain and [ or ] open source credit/debit cards issued to the [ se ] assailant [ s ] using my PII without my authorizations, consents, acknowledgments, or knowingly and willfully participations into a said XXXX XXXX conspiracies against my XXXX and [ or ] TransUnion Credit File Accounts. In a non-compliance disclosure violation in accordance with the Fair Credit Reporting Act ( FCRA ) onto my Credit File Accounts. In order to conceal identity theft acts and activities similar to XXXX XXXX assailant [ s ] who [ m ] had subscribed by a fictitious names and forge [ d ] my signature [ s ] onto a notarized instrument [ s ] by ways of a [ n ] Power of Attorneys and [ or ] Affidavits for a XXXX XXXX VISA prepaid debit card [ s ] applied against my Credit File Accounts details used for assailant [ s ], as an approval process. When, I am the authentic person who had [ have ] suffered extreme serial harassments and privacy rights problems on a continuous violations doctrine from a scientific law application in those analyzes and interpretations of the law have shown I have experienced a XXXX of justice. After, some Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] with a malice aforethought in premeditated criminal intents because I do not conform to XXXX XXXX appearances, XXXX XXXX, or stereotypes against my traditional gender norms should look or behave. And, I had been denied using my authentic online application [ s ] because he or she knowingly and willfully knew the [ se ] assailant [ s ] were not the original persons by allowing me to be denied any credit card [ s ] and [ or ] mortgage approval opportunities inconspicuously because the [ se ] assailant [ s ] held those credit/debit card [ s ] using my legal name and PII. In order to allowed assailant [ s ] to received credit/debit card [ s ] and [ or ] mortgage approval opportunities had unlawfully used my Credit File Accounts details. After, I had been denied, as being the original person then some of the [ se ] Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] had changed, manipulated or altered my Credit File Accounts details in order to conceal any credit/debit card [ s ] and [ or ] mortgage approval inquiries from a forged and fraudulent activities that should have been shown onto my Credit File Accounts details. In a non-compliance disclosure violations than I am credit worthy oppressed, disenfranchised and disproportionately affected from credit opportunities due to some of the [ se ] Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] had intentionally allowed an assailant [ s ] to commit identity thefts, aiders and abettors, false impersonations, or inconspicuously let the [ se ] assailant [ s ] to take over my Credit File Accounts by ways of credit/debit card [ s ] forged and fraudulent activities concealments not documented onto my Credit File Accounts details on the basis of what a person thinks of me and, some of the [ se ] Credit Reporting Agencies employee [ s ] and [ or ] affiliate [ s ] had deleted or hidden those credit/debit card [ s ] and [ or ] mortgage approval applications from my Credit File Accounts details. In order to conceal foul play and identity thefts against my Credit File Accounts details in a hidden agenda to be use as a [ n ] public domain and [ or ] open source for the [ se ] assailant [ s ].
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown. 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves. 2. What is a FCRA violation? Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ). I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 1. The following personal information is incorrect Previous Names : Altron Beasley The following personal information is incorrect Previous Names : Altron D Beasley To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. This is the second time this account has been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit. This is a 10-Year-old purchased debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices. 3. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Account type XXXX XXXX XXXX Amount {$580.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
4. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Account type : Previously Removed Debt from credit report- Re-aged- Not mine- CARES act violation.
Amount {$1100.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
5.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$2800.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
6.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX FUNDING Account Number : XXXX Account type : Debt Buyer Amount {$6000.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
7.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Account type : Debt Buyer Amount {$580.00} Your improper procedures are highly damaging to my credit score. Please immediately delete this item and block them from re-reporting inaccuracy and re-aging debt.
XXXX. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
XXXX Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
10.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
11.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
12.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
13.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX not XXXX XXXX XXXX XXXX of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
14.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
15.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
16.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
17.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XXXX XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance
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| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX ( XXXX ) XXXX phone XXXX XXXX XXXX XXXX XXXX CA XXXX All three credit bureaus violated my federal rights that are federally protected by law under the Fair Credit Reporting act that states that I have a right to privacy, right to accurate and truthful reporting of my data, under the preference that what is reported will and has affect my life. Inaccurate or wrong information reported has and will Cause my life to be negatively affected and in accordance to the law I am protected from such acts. These bureaus are and will be held to higher standards when dealing with the public, keeping in mind the possible implications this could have in a person 's life. The fact that errors wether intentional or not have a very unique effect on some ones life makes upholding these laws a matter of protecting ones constitutional rights, the rights to be an XXXX. The bureaus violated these rights and laws put in to place by XXXX when they, reported false or inaccurate information on behalf of XXXX XXXX XXXX negatively impacting not just a XXXX XXXX but the life style of an American citizen and such an act should not be taken lightly. A second chance to correct error that misrepresented and still misrepresents underlined citizen and the damages done and can not be taken back. What should be done is immediate action to have the bureaus correct there Inaccurates and hope that XXXX XXXX XXXX will be able to over look what damage has been done and be willing to accept the apologies of both the bureaus and the government entity that is in charge of over looking these bureaus to prevent such a thing from happening. The fact that it happened and was only noticed by the client XXXX XXXX XXXX and not by any of the againts in place with there safety procedures until now is a fact that change to the procedures of the bureaus and there governing bodies is not a matter of choice but a matter of urgency to protect the public from mishappens from according again. XXXX this matter will be a step in the right direction for all party 's involved with this matter. XXXX XXXX has the right to privacy and the right to be represented with accurate information and contesting these rights would be an act of treason against the American People. I know this organization has the power to correct the underlined error. Unfortunately they are not able to award financial relief for the damage that this has caused XXXX and his family. We have included a list of law pertaining to this case. Also underlined will be the list of accounts that have been misrepresented in one way or another for one or more of the listed reason. 1 ) client does not have a actual real account with company, 2 ) client did not open account, 3 ) fraudulent account, 4 ) incorrect information on account inclding, A ) posted date B ) opened account date C ) debt owed D ) debt repaid E ) balance still remaining 5 ) Account number 6 ) deity name or address 7 ) date of transfer to new collection agency 8 ) inaccurate information A ) name of client B ) and of collecting agency 9 ) incorrect address or not listed address of collecting agency 9 ) B ) or of client 10 ) incorrect payment information including payments and amounts date time and amounts 11 ) incorrect or not listed names on account inclding collecting agency. 12 ) incorrect or missing address of collecting agency also included clients address missing or incorrect 13 ) no communication with client 14 ) collecting agency missing contact address and number or incorrect 15 ) false account and or error on amount owed or paid 16 ) rejection of documents supporting information to be reported on report 17 ) misleading or missing information on client 18 ) violating F.C.R and laws protecting the public 19 ) missing supporting documents 20 ) missing proof of debt 21 ) none or lack of supporting documents that debt exists 22 ) violation of privacy laws by not doing there do diligence when handling clients underlined case The public has the the right to have these credit bureaus to abide by these laws and procedures. If not proper measure 's should be taken immediately. List of laws that were violated listed below.
15 U.S. Code 1681 - Congressional findings and statement of purpose The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. The Fair and Accurate Credit Transactions Act added many provisions to this Act primarily relating to record accuracy and identity theft. The Dodd-Frank Act transferred to the Consumer Financial Protection Bureau most of the rulemaking responsibilities added to this Act by the Fair and Accurate Credit Transactions Act and the Credit CARD Act, but the Commission retains all its enforcement authority.
Section 1681subsection 602 ,604, c85 1681 S2, S2 1681 S2, C85 15 U.S.C. 1681-1681x 603 - 15 U.S.C. 1681a 1 601. Short title This title may be cited as the Fair Credit Reporting Act.
602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the fol- lowing findings : ( 1 ) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures. It is the purpose of this title to require that con- sumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this title.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, 2 603 - 15 U.S.C. 1681a credit capacity, character, general reputation, personal character- istics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ].
( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consum- er report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the op- portunity, before the time that the information is initially communicated, to direct that such information not be com- municated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indi- rectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 615 [ 1681m ] ; or ( D ) a communication described in subsection ( o ) or ( x ) .1 1 Should be read as ( o ) or ( y ) because section 603 ( x ) was re-designated as 603 ( y ) in 2010 by the CFPA.
NOTICE TO USERS OF CONSUMER REPORTS : OBLIGATIONS OF USERS UNDER THE FCRA The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal obligations. State law may impose additional requirements. The text of the FCRA is set forth in full at the Consumer Financial Protection Bureaus ( CFPB ) website at www.consumerfinance.gov/learnmore. At the end of this document is a list of United States Code citations for the FCRA. Other information about user duties is also available at the CFPBs website. Users must consult the relevant provisions of the FCRA for details about their obligations under the FCRA.
The first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations. If you are a furnisher of information to a consumer reporting agency ( CRA ), you have additional obligations and will receive a separate notice from the CRA describing your duties as a furnisher.
I. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS A. Users Must Have a Permissible Purpose Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the FCRA to obtain a consumer report. Section 604 of the FCRA contains a list of the permissible purposes under the law VIII. LIABILITY FOR VIOLATIONS OF THE FCRA Failure to comply with the FCRA can result in state government or federal government enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619.
The Fair Credit Reporting Act is in full support of the American People and will not be broken or bent for corporates to steal the rights away from the people of this great country Accounts that are compromised 1 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Creditors failed to disclose vital information from me, and this is a violation. Per 16 CFR 433.2 Preservation of consumers claim and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX ; XXXX FR XXXX, XXXX XXXX, XXXX ] The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the XXXX conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The XXXX makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO XXXX VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
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| 12/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .RE AGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. So DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me FCRA 623 ( a ) ( 7 ) negative information ( A ) Notice to consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency reporting credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( II ) Notice effective for subsequent submissions. After proving such notice, the Financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of notice ( I ) In general, the notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
( II ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in lending act.
As I stated before, this is my final Request for you to do as you are governed by FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
I demand that you correct my account to show to paid as agreed-never late and remove the inaccurate data, or I will seek legal action and remedy, as I found out my right if you are victimize me by reporting false information about me to/on the credit bureaus.
2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.
Acts 1986, No. 1031, 1.
civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof where accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there 3 Years ... do whats right and delete these accounts as you are reporting false documents!!!
The following accounts listed on my transunion as follows XXXX XXXX XXXX- I havent lived in XXXX Arizona , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( Louisiana ) I have contacted this creditor no response I mailed transunion 2 separate Times to validate these debts which they found and deleted and some home this account is on my credit again for the 4th time with a different age date.
XXXX XXXX old account, re aging debt thats not mines and not validated properly, was deleted and now back on transunion . Never had a contract XXXX XXXX XXXX XXXX- over 5 years old debt not mines and was deleted because they couldnt validate and now back on transunion . Never had a contract XXXX XXXX XXXX- over 3 years old, XXXX purchased anything from XXXX XXXX, not my debt and has been deleted and back on my credit as a new age debt with transunion. Never a contact XXXX XXXX Re ageing debts and also reporting as open even though account has been charged off, also 3 years plus old, was deleted and back on account. Never had a contract XXXX XXXX Old debt 3 years and also cant validate debt, reporting open when closed and also never had a contract.
XXXX XXXX- old debt 3 years old and keeps re aging, never validated debt never had a contract.
XXXX XXXX XXXX Debt is 3 plus years old, re aging debt, never had a contract with this company. Also XXXX XXXX account is reporting open.. two accounts cant collect the same XXXX XXXX XXXX XXXX Debt is 3 plus years old, re aging debt, never had a contact with this company. Never lived in Arizona.
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Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies.
( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion.
With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
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| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
|
My name is XXXX XXXX and you have been reporting information that belongs to a XXXX XXXX XXXX on my credit report. I contacted the creditor and they stated that the debtor lived at XXXX XXXX XXXX XXXX, XXXX Tx. Which is also not my address nor have i ever lived there.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX The following personal information is incorrect Previous Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX The following personal information is incorrect Previous Addresses : XXXX XXXX XXXX XXXX, TX XXXX 5.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Account name : DEPTEDXXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
6. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
Account Name : DEPTEDXXXX Account Number : XXXX Address reported was XXXX XXXX XXXX XXXX # XXXX XXXX , Tx .
Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
7. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
8. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
9.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
10.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
11.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
12.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
13. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
14.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
15.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
16.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
17.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
18.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
19.I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), current address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX, not XXXX XXXX XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to
18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment. According to 15 USC 1681a - FCRA Congress has made it very
clear that there are some things that should not be reporting on m
y Consumer Report. 15 U.S. Code 1681a Definiti
ons ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Creditors failed to disclose vital information from me, and this is a violation. Per 16 CFR 433.2 Preservation of consumers claim and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting ag
ency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consum
er reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parti
es. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ). If any Creditor state, they had my consent please sign have the
entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
|
| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Creditors failed to disclose vital information from me, and this is a violation. Per 16 CFR 433.2 Preservation of consumers claim and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
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| 06/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Creditors failed to disclose vital information from me, and this is a violation. Per 16 CFR 433.2 Preservation of consumers claim and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] 15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
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| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear Credit Reporting Agency : : I do not agree to E-Oscar verification. My credit report shows numerous inaccuracies on several accounts. Under the FCRA I am entitled to a fair and accurate credit report. The inaccuracies are as follows.
XXXX XXXX : Last Activity Date listed on Transunion is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Times 30/60/90 days late is listed as 0/0/0 on Transunion, Times 30/60/90 days late is listed as 1/1/4 on XXXX, Times 30/60/90 days late is listed as 1/1/4 on XXXX. Months reviewed is listed as 0 months on Transunion, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 84 months on XXXX. Transunion has a high balance of {$7400.00} listed and XXXX and XXXX high balance is blank. The payment history listed on Transunion is listed as no history available. The payment history on XXXX indicates youve made 0 % of payments for this account on time. The XXXX payment history indicates youve made 39 % of payments for this account on time.
XXXX XXXX : Last Activity Date listed on Transunion is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on Transunion state Account closed by credit grantor. Remarks listed on XXXX state Charged off account. Remarks on XXXX state Unpaid Balance reported as a loss by credit grantor, Account closed at credit grantors request. Times 30/60/90 days late is listed as 0/0/0 on Transunion, Times 30/60/90 days late is listed as 1/1/3 on XXXX, Times 30/60/90 days late is listed as 1/1/3 on XXXX. Months reviewed is listed as 0 months on Transunion, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 84 months on XXXX. Transunion has a high balance of {$5300.00} listed, XXXX has a high balance of {$5200.00}, and XXXX has a high balance that is blank. The payment history listed on Transunion is listed as no history available. The payment history on XXXX indicates youve made 0 % of payments for this account on time. The XXXX payment history indicates youve made 38 % of payments for this account on time.
XXXX XXXX XXXX : The partial account number listed on Transunion, XXXX, and XXXX are all different. Last Activity Date listed on Transunion is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on Transunion state Account information disputed by consumer. There are no remarks listed on XXXX. Remarks on XXXX state Unpaid Balance reported as a loss by credit grantor. Times 30/60/90 days late is listed as 0/0/0 on Transunion, Times 30/60/90 days late is listed as 1/1/5 on XXXX, and Times 30/60/90 days late is listed as 1/1/5 on XXXX. Months reviewed is listed as 0 months on Transunion, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 84 months on XXXX. Transunion has a high balance of {$6600.00} listed, XXXX has a blank high balance, and XXXX has a high balance that is blank. The payment history listed on Transunion is listed as no history available. The payment history on XXXX indicates youve made 0 % of payments for this account on time. The XXXX payment history indicates youve made 37 % of payments for this account on time.
XXXX XXXX XXXX : The partial account number listed on Transunion, XXXX, and XXXX are all different. Last Activity Date listed on Transunion is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on Transunion state Account information disputed by consumer. There are no remarks listed on XXXX. Remarks on XXXX state Unpaid Balance reported as a loss by credit grantor. Times 30/60/90 days late is listed as 0/0/0 on Transunion, Times 30/60/90 days late is listed as 1/1/4 on XXXX, and Times 30/60/90 days late is listed as 1/1/4 on XXXX. Months reviewed is listed as 0 months on Transunion, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 79 months on XXXX. Transunion has a high balance of {$3000.00} listed, XXXX has a blank high balance, and XXXX has a high balance that is blank. The payment history listed on Transunion is listed as no history available. The payment history on XXXX indicates youve made 0 % of payments for this account on time. The XXXX payment history indicates youve made 34 % of payments for this account on time.
XXXX XXXX XXXX XXXX : All the account information is missing from the Transunion report. There is no Last Activity Date listed on Transunion, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. There are no months reviewed listed on Transunion, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 47 months on XXXX. Transunion does not have a high balance listed, XXXX has a high balance of {$10000.00}, and XXXX has a high balance of {$10000.00}. Transunion does not have a current payment status listed, XXXX list the current payment status as 90 days late, and XXXX list the current payment status as as agreed.
XXXX XXXX XXXX XXXX : Last Activity Date listed on Transunion is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Transunion list the account type as Real Estate Mortgage, XXXX list the account type as Conventional real estate mortgage, and XXXX list the account type as Real Estate Mortgage. Remarks listed on Transunion state settled less than full balance. Remarks listed on XXXX state Amount paid for less than the full balance. Remarks on XXXX state account legally paid in full for less than the full balance. Months reviewed is listed as 0 months on Transunion, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 25 months on XXXX. Transunion term count is listed as 0, XXXX term count is listed as 0, and XXXX term count is listed as 360. Transunion has a current payment history status of as agreed. XXXX has a current payment status of as agreed. XXXX has a current payment status of collection/charge-off. The payment history listed on Transunion indicates youve made 71 % of payments for this account on time. The payment history on XXXX indicates youve made 85 % of payments for this account on time. The XXXX payment history indicates youve made 68 % of payments for this account on time.
XXXX XXXX : The Overview on Transunion indicates you have 0 % left to pay on this loan. The overview on XXXX states you have 0 % left to pay on this loan. The overview on XXXX states you have 94 % left to pay on this loan. The balance on Transunion listed is {$9000.00} and the highest balance listed is {$10000.00}. The balance on XXXX listed is {$9000.00} and the highest balance listed is blank. The balance on XXXX listed is {$9000.00} and the highest balance listed is {$10000.00}. Last Activity Date listed on Transunion is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on Transunion state profit and loss write off. Remarks listed on XXXX state charged off account. Remarks on XXXX state unpaid balance reported as a loss by credit grantor. Times 30/60/90 days late is listed as 0/0/0 on Transunion, Times 30/60/90 days late is listed as 1/1/1 on XXXX, and Times 30/60/90 days late is listed as 1/1/1 on XXXX. Months reviewed is listed as 0 months on Transunion, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 69 months on XXXX.Transunion term count is listed as 0, XXXX term count is listed as 0, and XXXX term count is listed as 96. Term source type is blank on Transunion. Term source type is blank on XXXX. Term list type is listed as provided on XXXX. The high credit is listed as {$0.00} on Transunion and the high credit is blank on XXXX and XXXX. The payment history listed on Transunion indicates no history available. The payment history on XXXX indicates youve made 4 % of payments for this account on time. The XXXX payment history indicates youve made 30 % of payments for this account on time.
Achieve Personal Loans : The account is not listed on Transunion.. The date listed on XXXX is XX/XX/XXXX. The date listed on XXXX is XX/XX/XXXX. The previous balance listed on Transunion was listed as {$0.00} and the highest balance listed is $ XXXXThe balance on XXXX listed is {$0.00} and the highest balance listed is blank. The balance on XXXX listed is {$0.00} and the highest balance listed is {$17000.00}. Last Activity Date listed on Transunion is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. Last Activity Date on XXXX is XX/XX/XXXX. Remarks listed on Transunion state purchased by another lender. Remarks listed on XXXX state charged off account. Remarks on XXXX state unpaid balance reported as a loss by credit grantor, transferred to another lender. Times 30/60/90 days late is listed as 0/0/0 on Transunion, Times 30/60/90 days late is listed as 0/0/0 on XXXX, and Times 30/60/90 days late is listed as XXXX on XXXX. XXXX. Months reviewed is listed as 0 months on Transunion, months reviewed is listed as 0 months on XXXX, months reviewed is listed as 17 months on XXXX.Transunion term count is listed as 0, XXXX term count is listed as 0, and XXXX term count is listed as 48. Term source type is blank on Transunion. Term source type is blank on XXXX. Term list type is listed as provided on XXXX. The high credit is listed as {$0.00} on Transunion and the high credit is blank on XXXX and XXXX. The payment history listed on Transunion indicates no history available. The payment history on XXXX indicates youve made 100 % of payments for this account on time. The XXXX payment history indicates youve made 53 % of payments for this account on time.The creditor information listed differs across Transunion, XXXX, and XXXX. The creditor name differs on Transunion, XXXX, and XXXX. The credit on Transunion does not have an address or phone number listed. The creditor on XXXX list # XXXX and a different phone number than XXXX. The creditor on XXXX list XXXX XXXX and a different phone number than XXXX.
XXXX XXXX : There is no account information listed on Transunion and XXXX. There are account details listed on XXXX.
XXXX XXXX : The date listed on the Transunion is XX/XX/XXXX. The date listed on XXXX is XX/XX/XXXX. The account is not listed on XXXX. The account type listed on transunion is listed as an open account and the account type listed on XXXX indicates open. Last Activity Date listed on Transunion is XX/XX/XXXX, Last Activity Date on XXXX is XX/XX/XXXX. There is no status listed on Transunion and the status listed on XXXX indicates paid. Most recent adverse on Transunion indicates XXXX off and the most recent adverse on XXXX indicates XXXX data. Comments on Transunion indicate paid collection and the comments on XXXX are blank. The information for the collection agency only list a name for a collection company on Transunion. The information for a collection company list a name, address, and phone number on XXXX.
According to 15 USC 6802 none of these institutions listed can disclose nonpublic personal information to third parties unless the financial institutions have clearly and conspicuously disclosed to the consumer in writing or electronic form that the information can be disclosed, the consumer is given the opportunity to opt out before the information is initially disclosed, and the consumer is given an explanation of how the consumer can exercise the nondisclosure option. None of these creditors listed met all three requirements that are needed for the disclosure of this information. Therefore, I am asking for the removal of all these accounts from my consumer report. Furthermore, the accounts have numerous inconsistencies and the veracity of the information can not be verified.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) , XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) TransUnion Account # : XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) TransUnion Account # : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) TransUnion Account # : XXXX XXXX XXXXXXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXXXX XXXX Bank Credit Cards XXXXXX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Auto Dealers, New XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Credit Unions XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXXXXXX XXXX Credit Cards Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion Public Information Below is an overview of your public records and can include details of bankruptcy filings, court records , tax liens and other monetary judgments. Public records typically remain on your Credit Report for 7 - 10 years.
Bankruptcy TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXX Bankruptcy Status : XXXX XXXX Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX Asset Amount : {$0.00} {$0.00} Court : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} Remarks : - - Bankruptcy TransUnion XXXX XXXX Type : XXXX XXXX Bankruptcy XXXX XXXXXXXX Bankruptcy XXXX XXXXXXXX Bankruptcy Status : XXXX XXXX XXXX Date Filed/Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Reference # : XXXX XXXX XXXX Closing Date : XX/XX/XXXX XX/XX/XXXX - Asset Amount : {$0.00} {$0.00} {$0.00} Court : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Liability : {$0.00} {$0.00} {$0.00} Exempt Amount : {$0.00} {$0.00} {$0.00} Remarks : - - - Creditor Contacts Information about how to contact people and/or organizations that appear on this credit report is listed below.
Creditor Name Address Phone Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX # XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, SD XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UT XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MI XXXX ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the accuracy of my credit report with regards to the reporting of inaccurate address information by the credit bureau. Specifically, the credit bureau has listed multiple addresses on my credit report that I have never resided at, including XXXX XXXX XXXX XXXX, CA XXXX and XXXX XXXX XXXX XXXX, CA XXXX, among others.
I believe that the credit bureau has violated several provisions of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure accuracy of the information they report. Additionally, Section 607 ( c ) requires credit reporting agencies to disclose the sources of the information they report, and if they are reporting addresses without disclosing the source of the information, this section may have been violated. Furthermore, Section 611 requires credit reporting agencies to investigate and correct any inaccuracies within 30 days of receiving a dispute. I have notified the credit bureau of the inaccurate address information, but they have failed to correct it within the given time frame, thus violating this section.
Additionally, I believe that the credit bureau has violated the Fair Debt Collection Practices Act ( FDCPA ) Section 806, which prohibits debt collectors from engaging in any conduct that is misleading or deceptive in connection with the collection of any debt. If a debt collector is using inaccurate address information to contact me or is failing to correct the information when notified, this section may have been violated.
I also believe that the credit bureau has violated the Fair Credit Billing Act ( FCBA ) Section 1666c, which requires creditors to send billing statements to the consumer 's last known address. If a creditor is using inaccurate address information to send billing statements or is failing to correct the information when notified, this section may have been violated.
I would like to share a personal story about how these inaccuracies have affected my life. As a result of these inaccurate addresses appearing on my credit report, I have been denied credit, including a mortgage for my family home. This has caused significant financial and emotional distress for myself and my family. Furthermore, the inaccurate address information has caused me to miss important bills and other financial statements, which has resulted in late payments and increased fees.
Therefore, I am requesting that the credit bureau investigate and correct the inaccurate address information on my credit report, in accordance with the FCRA Section 611. I also request that any creditor that has reported inaccurate address information be notified of the error and be required to remove it from my credit report, in accordance with FCBA Section 1666c.
One of the major issues is that XXXX is reporting a XXXX late payment on XX/XX/XXXX, for my XXXX account, when in fact I did not miss any payments. This is a serious error that is negatively affecting my credit score and ability to obtain credit.
Additionally, there are discrepancies in the reported dates of last activity, date reported, and date opened among TransUnion, XXXX, and XXXX, which may be in violation of Section 607 ( a ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, XXXX may have violated Section 807 ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ) by reporting false credit information to XXXX.
These inaccuracies and violations have greatly affected my life and financial standing. As a hard-working individual, I have always made timely payments on my accounts and have never missed a payment on my XXXX account. The errors on my credit report are not only frustrating but are also preventing me from obtaining credit that I need for important purchases, such as a new car or a home.
Therefore, I request that you investigate these issues and enforce the legal provisions that protect consumers ' rights, including Section 607 ( b ) of the FCRA, which requires credit reporting agencies to follow reasonable procedures to ensure accuracy of the information they report.
XXXX and TransUnion. According to TransUnion, I was reported as being 30 days late on my XXXX account, despite the fact that I have not missed any payments. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure the accuracy of the information they report.
The impact of this error on my credit report has been devastating. It has caused me to be denied credit opportunities and to be offered higher interest rates and unfavorable terms when I do get approved. I have been struggling to make ends meet, and the inaccuracies on my credit report have only made things more difficult for me.
I have tried to dispute this error with TransUnion and XXXX, but to no avail. It is frustrating and unfair that I am being punished for something that I did not do. I am asking for your help in enforcing the legal rights that I am entitled to under the FCRA.
XXXX XXXX XXXX Account TransUnion and XXXX are reporting a high balance of {$12000.00} on my XXXX XXXX account, while XXXX XXXX reporting {$0.00}. This violates FCRA Section 607 ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure accuracy of the information they report.
There are also discrepancies in the reported dates of last activity, date reported, and date opened among TransUnion, XXXX, and XXXX. TransUnion is reporting the date of last activity as XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. TransUnion is reporting the date reported as XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. TransUnion is reporting the date opened as XX/XX/XXXX, while XXXX and XXXX are reporting XX/XX/XXXX. This violates FCRA Section 607 ( a ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information they report.
Furthermore, TransUnion and XXXX are reporting a balance owed of {$11000.00} on my XXXX XXXX account, while XXXX is reporting {$85000.00}. This also violates FCRA Section XXXX ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure accuracy of the information they report.
Violation : Fair Credit Reporting Act ( FCRA ), Section 607 ( b ) Explanation : TransUnion is reporting a 30-day late payment on my XXXX XXXX XXXX XXXX XXXX account, when in fact I did not miss any payments.
Violation : Fair Debt Collection Practices Act ( FDCPA ), Section 806 ( 5 ) Explanation : The debt collector threatened to take legal action against me for a debt that is beyond the statute of limitations.
These violations have significantly affected my life. The inaccurate reporting on my credit report has caused me great distress and has made it difficult for me to secure loans or obtain credit. This has had a domino effect on my ability to provide for myself and my family.
XXXX XXXX XXXXXXXX account. Specifically, I believe that the creditor has violated several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
Firstly, under FCRA Section 611 ( a ), credit reporting agencies are required to disclose the sources of the information they report. However, TransUnion is reporting a last verified date on my XXXX XXXX account, which XXXX did not report. This may be a violation of FCRA Section 611 ( a ).
Additionally, under FCRA Section 623 ( a ) ( 5 ), credit reporting agencies are required to provide accurate information in credit reports. Yet, there are discrepancies in the reported dates of last activity and status of my XXXX XXXX account between TransUnion and XXXX. This may be a violation of FCRA Section 623 ( a ) ( 5 ).
Furthermore, under FDCPA Section 809 ( a ), debt collectors are required to send a written notice to consumers within five days of their initial communication, informing them that they have the right to dispute the debt. However, the creditor did not notify me in writing when they sold my account to a collection agency, which may be a violation of FDCPA Section 809 ( a ).
Lastly, under FDCPA Section 807 ( 2 ) ( A ), debt collectors are prohibited from falsely representing the legal status of a debt. Yet, the creditor is reporting the status of my account as open when it has actually been sold to a collection agency, which may be a violation of FDCPA Section 807 ( 2 ) ( A ).
XXXX XXXX XXXX XXXXXXXX account. According to TransUnion, the last verified date on my account is XX/XX/XXXX, but XXXX and XXXX did not report any such information. Furthermore, TransUnion reported the date of last activity as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and XXXX as XX/XX/XXXX. Additionally, TransUnion reported the date reported as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and XXXX as XX/XX/XXXX. The account status is also reported as open, even though it is a collection account, and the creditor never sent me any paperwork notifying me that my account had been sold to a collection agency.
These discrepancies and violations have caused me significant harm, and I would like to share a personal story of how they have affected my life. Due to these inaccurate and unverified reports, I have been denied credit multiple times, which has made it difficult for me to purchase a new car and secure a decent place to live. These false reports have caused me immense stress and anxiety, affecting my health and quality of life.
I am asking you to enforce the legal requirements of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ), which requires credit reporting agencies to disclose the sources of the information they report. Additionally, I believe that Section 623 ( a ) ( 5 ) of the FCRA has been violated, as it requires credit reporting agencies to provide accurate information in credit reports. I also believe that the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( a ) has been violated, as the creditor did not notify me in writing when they sold my account to a collection agency. Finally, I believe that FDCPA, Section 807 ( 2 ) ( A ) has been violated, as the creditor is reporting the status of my account as open when it has actually been sold to a collection agency.
I am requesting that you remove this unverified account from my credit report, and take action against the creditor for these violations. Thank you for your attention to this matter.
I am writing to dispute the inclusion of three inquiries on my credit report from XXXX XXXX, XXXX XXXX XXXX, and XXXX. These inquiries are inaccurate and incomplete and may be in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( b ) ( 1 ) and Section 611 ( a ).
Section 604 ( b ) ( 1 ) requires that a consumer reporting agency follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. In this case, it appears that the three inquiries from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX not be accurate or complete, as they appear to be duplicates of the same inquiry. This XXXX be a violation of Section XXXX ( b ) ( XXXX ) of the FCRA.
Furthermore, Section 611 ( a ) of the FCRA requires credit reporting agencies to disclose the sources of the information they report. If there are discrepancies in how the three XXXX XXXX inquiries are reported by different credit bureaus, this section may have been violated.
Sincerely, XXXX XXXX XXXX
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I requested that I was shown proof that they are allowed to report late payments on my open end consumer credit plan and I have not received or the removal of the late payment. I also requested proof that I authorized the reporting of the late payment and received nothing. Additionally, there is a reporting error, XXXX is showing a different account number that needs to be corrected.
12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, XXXX, and Transunion continue to report my alleged XXXX loan debt even after notice I have opted out of this information being reported. The reporting agencies assumed a vital role in the reporting of consumer information and they must provide each consumer with a 30 day opt out notice to give the consumer the right to opt out of that information being reported. I have not received any notice from the reporting agencies. I as a federal protected consumer I am now opting out of this consumer account listed as XXXX XXXX being reported. Each reporting agency needs my written consent to report information onto my consumer report.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.
( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, Puerto Rico, Guam, American Samoa, the Trust Territory of the Pacific Islands, the Virgin Islands, or the Northern Mariana Islands.
( e ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.
( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.
( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after October 13, 2006.
( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.
( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).
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| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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To Whom it may Concern, This is regarding disputing multiple accounts on my XXXX Report. The first letters were delivered via XXXX. Below you will find disputed accounts and dates of dispute as well as agency response.
XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX, Transunion, XXXX ) XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX, Transunion, XXXX ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX, Removed from Transunion, XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX, Removed From Transunion, XXXX ) XXXX XXXX Opened XX/XX/XXXX ( XXXX, Transunion, XXXX ) XXXX Opened XX/XX/XXXX ( XXXX, Transunion, XXXX ) XXXX XXXX XXXX Opened XX/XX/XXXX ( XXXX, Removed from Trans Transunion, XXXX ) XXXX XXXX XXXX Acct # XXXX Opened XX/XX/XXXX ( XXXX, Transunion, XXXX ) XXXX OPENED XX/XX/XXXX ( Transunion, XXXX ) XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX ( XXXX, Transunion, XXXX ) XXXX XXXX ( Removed From Transunion ) XX/XX/XXXX, I sent a letter to all three credit agencies regarding the validity of the above accounts. All the letters were sent certified and were notarized with my identification attached.
According to the Fair Credit Reporting Act, Section 60g ( a ) ( l ) { A }, you are required by federal law to verify - through the physical verification of the original consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 1st Request for Verification In XX/XX/XXXX I received a credit report update from ( XXXX, Transunion, XXXX ) stating that all the above accounts were verified as accurate.
XX/XX/XXXX, I responded with the 2nd written request ( Complete Letters attached ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items Listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. ln the results of your first investigation, you stated in writing that you " verified ', that these items are being " reported correctly ',? Who verified these accounts? Letter Requested Verification In XXXX of XXXX I received a credit report update from ( XXXX, Transunion, XXXX ) stating that all the above accounts were verified as accurate. Nothing of what was requested in the 2nd letter was provided.
XX/XX/XXXX, I responded with the 3rd written request.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately. COPY OF LETTER TEXT In XX/XX/XXXX I received a credit report update from ( XXXX, Transunion, XXXX ) stating that all the above accounts were verified as accurate. Transunion removed 3 accounts above XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. Nothing of what was requested in letter was provided for the other accounts.
I started the process again this year XXXX I focused on my healing and wanted to get back to disputing as soon as I could. I STARTED DISPUTING THE SAME ACCOUNTS ONLINE WITH XXXX XX/XX/XXXX. All accounts came back as accurate and the request for documentation and proof of accounts were completely ignored.
On XX/XX/XXXX another request to validate reported items was made by me via XXXX ( confirmation of dispute attached below ). On XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX/XXXX XXXX disputes were Opened.
XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX XXXX reported account : We have an update about your Account Dispute The dispute for the account with XXXX XXXX XXXX XXXX that starts with XXXX was not changed as a result of our processing of your dispute. The company that reported the information has certified to XXXX that the information is accurate. We will notify you when all your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. '' XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX ( REMOVED FROM TRANSUNION ) reported account : " We have an update about your Account Dispute The dispute for the account with XXXX XXXX XXXX XXXX XXXX that starts with XXXX has been updated. We will notify you when all your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate. '' XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX XXXX XXXX reported account : We have an update about your Account Dispute The dispute for the account with XXXX XXXX XXXX that starts with XXXX has been updated. We will notify you when all your pending disputes have been completed and the full results are ready to view. Review your latest Credit Report to help ensure the information on your Report is accurate.
XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX reported account : XX/XX/XXXX XXXX responded as follows for XXXX/XXXX XXXX reported account : XX/XX/XXXX XXXX responded as follows for XXXX/XXXX XXXX reported account : XX/XX/XXXX XXXX responded as follows for XXXX XXXX 2ND DISPUTE XXXX reported account : XX/XX/XXXX XXXX responded as follows for XXXX XXXX XXXX reported account : On XX/XX/XXXX I XXXX XXXX drafted and Mailed via regular mail the 2nd request for validation with instructions. My response requested to know who verified these accounts? I explained in the letter to XXXX ( attached below ) that they are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.
I then proceeded to inform them that they have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified.
In this letter I requested verification of their process used to verify the accounts disputed as well as information proving the accounts listed above as valid. I demanded the accounts be deleted of verified immediately.
Information requested from XXXX : A. The name of the courthouse/The name of creditor B. The name of the individual/person who they verified the dispute with C. The address D. The phone numbers E. The documentation used to verify the dispute ( Mailed lettered attached ) This information was received and responded to by XXXX on XX/XX/XXXX ( postcard received in mail attached ) XXXX provided only their process to verify accounts on reports. All other request has been ignored. One of the lines stated that when they contact the furnisher or vendor, they ask that they verify all the information regarding the items disputed and report back in 30 days.
they then will review all relevant documents submitted with the dispute and will forward them to the furnisher if they are unable to resolve the issue.
In the next step they review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. if after processing, they find that the dispute information is inaccurate, incomplete or can not be verified, they delete or modify that information, as appropriate. if they do not receive a response from the furnisher or the vendor within the required period, they update the item as I have requested or delete the information and send results.
Lastly, they openly reviled that they also in some instances can determine whether the disputed information should be changed or deleted without contact with the furnisher or vendor.
This is truly alarming to read! XXXX has already stated that it has verified the accounts above as being valid. They have not provided any documentation from the furnishers proving such validation to be true. They also admitted in the post card that they not only verify by contacting the furnisher they also verify using third party vendors or in some instances they make the determination without contacting the furnisher or third-party vendor.
This is a clear violation of my rights in writing in their words!
THE FCRA STATES THAT THE REPORTING AGENCY MUST GO BACK TO THE ORIGINAL FURNISHER OF THE DEBT TO VERIFY THE DEBT IT SELF.
XXXX has failed to provide any proof of the accounts listed above but continue to post to my credit report. Also, there has been no contracts with my signature provided no documentation whatsoever by any of the three credit reporting agencies.
Letters Sent to XXXX and Transunion mailed via regular mail XX/XX/XXXX ( Attached ) I have been disputing these accounts since XX/XX/XXXX. I was very ill at the time and never pursued legal remedy during the time of XXXX. I am healthy now and have disputed these accounts for the last time. The credit reporting agencies negligence has cased damages to me personally. They have completely fabricated verification of each account. After multiple request have been made for proof and/or name, address and phone number of verifying entity I see no other way of resolving this issue but litigation. This has gone on long enough and these items must be deleted asap.
All three credit agencies have had over a year to resolve this issue and they have failed to do so. This has cause me to no get certain jobs, kept me from renting properties, multiple denials and has ruined my reputation. I would like to file this complaint on the bases of the negligence from the agencies over the last year. The active disputes keep happening and they continue to ignore my request.
Best, XXXX XXXX XX/XX/XXXX
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| 12/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX identity theft : Statement of claim - i XXXX XXXX XXXX did not give permission for XXXX XXXX or any banks involved to use my private and personal information to create any loans transactions nor accounts. My private information and personal information has been stolen and used by way of identity theft to create such loans securities and such the like. I have made every attempt to settle these matters and now are filing claims in federal state court ( s ).
1. THE PARTIES Comes now the Real Party ( s ) In Interest XXXX XXXX XXXX, and XXXX XXXX XXXX is now, and at all times relevant to this action, the real property owners and residents of the County of XXXX XXXX, State of CALIFORNIA.
Defendant ( s ), XXXX XXXX XXXX XXXX and all other subsidiaries involved.
2. JURISDICTION The real property is located at XXXX XXXX XXXX XXXX XXXX CA [ XXXX ] Aka the Republic of California as well the alleged transactions and events which are the subject matter of this Claim all occurred within the County of XXXX XXXX, State of CALIFORNIA. Wherein XXXX XXXX not The Department Of Education, has alleged to to acquire and service a loan from The Department Of Education, XXXX XXXX, and such the like as of XXXX 2016. All the documents produced by XXXX XXXX are unverified, without validation from an officer or agent of status within the banking agency or servicing collection dept.
The DefendanXXXX XXXX XXXX, used deceptive debt collection practices to attempt to create a contract by way of payment stated on their letter head We are a debt collector. This communication is an attempt to collect a debt and any information obtained will be used that purpose. However, to the extent your original obligation was discharged or is subject to an automatic stay of bankruptcy under Title 11 of the United States Code, this notice is for compliance with non-bankruptcy law and/or informational purposes only and does not constitute an attempt to collect a debt or to impose personal liability for such obligation. Nothing in this letter ( including our use of the words " your, '' " loan, '' debt, '' or " account '' ) means that you 're required to repay a debt that 's been discharged. Any payment you make on the account is voluntary, but we may still have rights under the security instrument, including the right to the property.
This information of creation of debt is false. All my private and personal information has been used to create this loan as in identity theft. It is believed and proven that XXXX XXXX are aquatinted with other agencies such as banks and are attempting to extort due to my investments and money wealth status. There connections are obvious as to the previous banks that has attempted to create a mortgage loan by identity theft and forgery. XXXX XXXX stated that they had my wet signature but such is impossible because i never signed any documents with a pen in ink for a contract of such, and they have failed to produce such alleged accounts.
They used such wording to deceive such as lf you are represented by an attorney, please refer this letter to your attorney and provide us with the attorney 's name, address, and telephone number. This is deceptive due to the fact that many attempts where made on the behalf of the Plaintiffs to removed the debt with offer ( s ) to pay, accepted for value return for value aka discharge and a bond money order which was not rejected in writing nor in explanation with a legal notarized document with agent or officer signature explanation as to why or why not offers where not excepted within the legal bylaws UCC laws etc, ..
Definition - Acceptance for Value is a remedy available only in commercial law ( the Uniform Commercial Code or UCC ). One can accept for value ONLY a commercial instrument that has been issued for value, that is when 1. ) the instrument has been issued to generate value where there is NO prior value ; AND when 2. ) the instrument ( such as a bill or a charge ) has NO signed contract to back it up.
In short, an instrument issued for value is an OFFER TO CONTRACT from someone ( the ISSUER ), unbacked by a pre-existing, written contract, in which that person is attempting to get YOU to give value to that instrument by having you falsely believe that you owe money when you, in fact, owe nothing. HOW you respond, determines whether YOU or the ISSUER becomes liable for the amount claimed. If you ignore the offer ( and therefore dishonor the person making the offer ) or give it a blank endorsement ( with your signature only ), you have assumed liability for the amount specified. However, if you give the instrument a qualified endorsement or conditional acceptance ( by accepting it for value ), you have, in fact, made a counteroffer, and kept yourself in honor by responding to the original offer, and thereby kept the liability on the ISSUER. In the case of a bill sent to you, your qualified endorsement via accepted for value keeps the ISSUER liable for the money claimed NOT you! You retain your status as the creditor in the situation, and it is up to YOU whether that instrument ( the bill or charge you received ) becomes a negotiable instrument ( money ) with which you can settle the account. You can either accept for value, placing all liability for payment on the original issuer ; OR you can accept for value and then specify that the money will be paid using the money created by your government bond created by your Birth Certificate under the emergency laws enacted following the bankruptcy of the U.S. in 1933. ( Note : In the bankruptcy of 1933 the U.S. government took ownership of all land and possessions of the American people, including the people themselves as surety for further loans from the Federal Reserve and the international bankers. Under the legal TRUST created by the U.S. Constitution, such a taking action would have been outright theft and fraud, so the government was required to offer a remedy to the people, as the beneficiaries of that TRUST, in order to exercise their rights, if they so choose. ) Since the issuer had NO signed, written contract to back his claim, he was forced to issue for value ( i.e., issue it in an attempt to create value ) his instrument ( whether a bill, legal indictment, traffic ticket or other violation of a statute, any demand for payment, or whatever ). In essence, the issuer is throwing you a hot potato and is hoping you will be ignorant enough to simply accept the instrument as a contract offer as it is ; and give it value by ignoring it or by your blank endorsement ; and to thereby accept the liability for paying it. If you accept it for value and return it for value, you have tossed him back the hot potato in the form of a counteroffer, so that he ( the issuer ) becomes liable for the amount of money specified in his original instruments claim, unbacked by any pre-existing contract.
Consequently, the instrument issued pays the instrument! The original issuer pays the original issue he pays himself. Therefore, the transaction is balanced to zero and closed.
Of note : In ALL penal actions for violations of STATUTES, the national debt is the PRESUMED preexisting contract, for purchase, that influences the conscience of the judge in making his decisions. Since under the Laws of XXXX and the Natural Law ( derived from Gods Law ), ALL men are equal in authority. Therefore, no man or body of men can legitimately coerce or force another man to do something against his wishes and will! Consequently, under the Common Law, and international commercial law, NO man can be forced into a contract against his wishes, AND there must be equal consideration ( things of equal VALUE ) exchanged between the parties, with full disclosure of information, in order for a contract to be valid. It appears that today, few Americans realize that under long-standing international law, ALL legislated STATUTES or ACTS by any legislative body are mere OFFERS TO CONTRACT, which any individual man has the right to accept or refuse, as he wishes. One must remember that since 1933, ALL statutes ( legislated laws ) in the U.S. exist to pay back the national debt of the U.S. to the Federal Reserve banks and other U.S. creditors and they want you to agree and consent to be liable for this debt! Therefore, if a district attorney issues an information ( similar to an indictment, but not requiring a grand jury ) to you charging you with a crime, you have three choices regarding his offer to contract. First, you can IGNORE it, in which case you are in dishonor and assume liability for payment in either money or service in prison to repay the national debt. Second, you can SIGN it without conditions ( called an unqualified endorsement or blank endorsement ), then you have created a negotiable instrument by giving it value and have assumed liability for paying it, which can then be enforced by the issuer ( the district attorney as the government ) to help pay off the national debt. OR third, you can sign the information with a qualified endorsement using accept for value ( a counteroffer ), by which you give that instrument a monetary value, but keep the liability for paying it on the ISSUER. So, in the case of legal charges against you by a district attorney or a court clerk ( usually by a traffic ticket issued by a police officer ), through an accept for value endorsement you have avoided all liability ; and kept the liability for payment ( as money and/or a prison sentence ) on the district attorney and/or court clerk it is then, THEY who need to pay the fine or fulfill the imposed prison sentence for that statute violation ; NOT you, since you did not accept liability. They tossed a hot potato to you and expected you to pay. But since they had NO signed, written contract in which you agreed to obey that particular statute, they were required under U.C.C. commercial law to issue that document for value that is, to issue it in the hope that YOU would give it value AND take liability for paying it by accepting it without any qualifications. However, by your accept for value qualified endorsement, you agreed to it and gave it its value, but declined to accept liability for payment. Then by returning the instrument ( the charges against you ), you tossed the hot potato back to them and kept THEM liable for any payments! This system may sound INSANE, but this is how the financial and legal system was set up following the 1933 bankruptcy of the U.S., along with the amended extensions of national emergency of 1917 and 1933. When you go to court, you go to a legislative-statutory court in essence, a XXXX court operating under the UCC bankruptcy code whose sole purpose is to fund the national debt NOT into a true judicial court. You are PRESUMED guilty and are subject to a summary judgment without any trial by jury, unless you simultaneously convene your OWN court-of-record under the Common Law within that courtroom. And that system is still in effect today within the U.S.
i XXXX XXXX XXXX the Real Party ( s ) In Interest would prefer a quick resolution. We pray that this can be resolved asap or we shall prey on these factual evidences that has been provided to the Defendant and company for the past eight ( 2 ) years and therefore does not possess that of the Real Party ( s ) In Interest assets therein.
Any and all attempts of Records of accounts shall be blocked by all credit reporting agencies or each one will be aiding and abetting in deed fraud, an alleged mortgage loan, and identity theft, leading to extortion, which claims are being filed at this moment against all banks and personnel involved, not limited to corporations government agencies and others.
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| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This agency has no right under federal law nor my expressed written consent to report any late payments on any account on ANY given month. Yet they have done so. I've respectfully asked them to remove those late payments on the accounts attached in the dispute letter and they have denied it which violates the following federal laws ; 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX TRANSUNION- XXXX 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ), 15 USC 1681b ( a ) ( c ) ( 2 ), 15 USC 1681q , 15 USC 1681n ( a ) ( 1 ) ( A ), 15 USC 6821 ( a ) ( XXXX XX/XX/XXXX To Whom It May Concern : My name is XXXX XXXX and this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.
Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports At this time I will also inform vou that if your offices have or continue to report invalidated information this includes XXXX TRANSUNION, and XXXX this action might constitute fraud under both federal and state laws. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n - Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. Please be advised XXXX TRANSUNION,, and XXXX. You need to remove all fraudulent inquiries from my consumer report. I've given the dates and the times of every inquiry that is on my consumer report. You shall remove the inquiries that are fraudulent on my consumer reports your credit reporting agency, and you shall do due diligence in the investigation of such fraudulent activities. The violations here I require compensation, for this has caused me grave harm purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you XXXX TRANSUNION, AND XXXX is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. XXXX TRANSUNION, AND XXXX is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you XXXX /XXXX XXXX XXXXXXXX TRANSUNION XXXX AND XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities.
This is also a NOTICE exercising my rights to prevent the processing of my personal data Failure to remove account in 4 days from my consumer report as requested will result in legal matters being taken and me turning you.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until the such a time as the debt is proven valid. If I personally dont receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. To Whom It May Concern : In accordance with the fair credit act XXXX- has violated my rights. The late payment reporting date Self - Account # XXXX Date Open XX/XX/XXXX XXXX is inaccurate.I never made late payments. During covid a lot of peoples info was mixed up XXXX needs to be deleted.also has violated my rights. During XXXX the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. XXXX 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 USC 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { {$5000.00} } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { {$1000.00} } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B My life is being ruined for unjust enrichment. I have reasonable cause to believe Transunion, XXXX, and XXXX are guilty of engaging in a pattern of racketeering activity and receiving the proceeds of extortion to fund their illegal criminal enterprise. As a consumer reporting agency that compiles and maintains files on consumers on a nationwide basis, I am aware that my consent is required to disclose nonpublic personal information to nonaffiliated third parties. The consumer reporting agencies have aided and abetted the financial institutions involved in unlawful extortionate means to collect on extensions of credit and punish me for the nonrepayment thereof During XXXX the data beach has my info exposed. I put fraud alert on my report and filed a identitytheft.gov report.These inquiries need to be deleted. Law 15 U.S.C. 1681 602 A states I have a right to privacy.15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 15 USC 6802 b b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 usc 1681 a 2 Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I do not consent. to XXXX XXXX XXXX .. XXXX XXXX
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I can not be late on an open end consumer credit plan and I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
|
|
I can not be late on an open end consumer credit plan and I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 08/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AFFADAVIT OF TRUTH 1. Notice to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor administrator, holder in due course, for any and all derivatives thereof for the surname/given name XXXX XXXX, CONSUMER and I have been appointed and accepted being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a CONSUMER, XXXX XXXX, and autograph as the agent, attorney in fact, so be it ; CONSUMER, XXXX XXXX, is a natural person residing in County of XXXX, State of Michigan and is a CONSUMER as that term of defined by 15 USC 1681 ( a ) ( c ) ; Pursuant to 28 USC 1391 ( b ).
Whereas I of age, of majority give, this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : 2. Fact, the Fair Debt Collection Practices Act is intended to secure my right to privacy and my privacy has been breached so be it, and ; 3. Fact, I am sure the removal of my information from your website, company records, or any and all derivatives thereof, of, and/or with any affiliates will ensure my privacy rights won't be violated again due to my lack of consent and this here in unrebutted Affidavit of Truth being service to you today and therefore, standing as truth and commerce, so be it, and ; CONSUMER, XXXX XXXX, incorporates all of the above complaints as trough fully stated herein. The forgoing acts and omissions constitute numerous and multiple willful, reckless and/or negligent violations of the FCRA, including but not limited to each and every one of the above cited provisions of the FCRA, 15 USC 1681.
CONSUMER, XXXX XXXX, has a right under 15 USC 1681 a right to fair and accurate reporting to promote efficiency in the banking system and protect CONSUMER privacy with fairness, impartiality and respect. for my right to privacy and that the FCRA impose its duties upon As a result of each and every willful violation of the FCRA, CONSUMER, XXXX XXXX, is entitled to actual damages as CFPB may allow Pursuant to 15 USC 1681n ( a ) ( 1 ) ; statutory damaged Pursuant to 15 USC 1681n ( a ) ( 1 ) ; punitive damages Pursuant to 15 USC 1681n ( a ) ( 2 ) and reasonable attorney feed and cost Pursuant to 15 USC 1681n ( a ) ( 3 ).
Fact, please show good faith in this manner by expediting the security of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish and losses due to me being a victim of identity theft, so be it, and ; On XX/XX/XXXX CONSUMER, XXXX XXXX, sent a letter to XXXX, TRANSUNION XXXX XXXX regarding that I am that I am the Original Creditor Pursuant to 15 USC 1681 ( 2 ) ( b ), 15 USC 1681 ( i ) and 15 USC 1681 ( e ). ( SEE EXHIBITS A-C ).
On XX/XX/XXXX, CONSUMER, XXXX XXXX, opted out of XXXX Opt Out Process. ( SEE EXHIBIT D ).
XXXX, TRANSUNION & XXXX as they are the FURNISHERS, with regard to erroneously reporting DEROGRATORY credit information on failing to properly investigate CONSUMER, XXXX XXXX disputes dated : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. ( See Exhibit E ) XXXX, TRANSUNION & XXXX is a furnisher of information as contemplated by 15 USC 1681 ( 2 ) ( b ) that regularly and in the ordinary course of business furnishes information to a Consumer Reporting Agency.
XXXX, TRANSUNION & XXXX is a furnisher of information as contemplated by 15 USC 1681 ( 2 ) ( b ) that regularly and in the ordinary course of business furnishes information to a Consumer Credit reporting Agency. Let it also be known that XXXX, TRANSUNION & XXXX is a furnisher of information as contemplated by 15 USC 1681s ( 2 ) ( b ).
Dispute Date Confirmation # XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX?
XX/XX/XXXX Letter stating CONSUMER XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX DATA BREACH Settlement XXXX, TRANSUNION & XXXX regularly assemble and/or evaluated consumer credit information for the purposes of furnishing consumer reports to third parties and uses interstate commerce to prepare and/or furnish the reports. Unless otherwise indicated all named in this Complaint includes all agents, employees, officers, members, directors, heirs, successors, assigns, principals, trustees, sureties, subrogees, representatives and insures of Consumer Credit Reporting Agencies.
In addition, inaccurate reporting did not comply with the Consumer Data Industry Association 's Metro 2 reporting standards, which provides guidance for credit reporting and FCRA compliance called " Metro 2 Format ''. To this end, the adverse reporting from the said Consumer Credit Reporting Agencies standard and was therefore inaccurate under the CDIA 's standard as well.
CONSUMER, XXXX XXXX is informed and believes, therein alleged, that acquired CONSUMER, XXXX XXXX, information through an authorized inquiry of CONSUMER, XXXX XXXX XXXXConsumer Report ' as that term is defined by 15 USC 1681 ( d ) ( 1 ). However, 15 USC 1681 ( b ) delineates the only permissible uses of, or access to, consumer reports. Other violations include 28 USC 1331 ; Smith v Community Lending Inc ; 773 F. Sup 2d 941, 946 ( D. XXXX XXXX ) Obtaining a Consumer Report without permissible purposes constitutes an invasion of a legally protected interest in the confidentiality of the CONSUMER, XXXX XXXX sensitive personal information. This harm may be tangible but is very real and concrete.
The prohibition on impermissible credit 'pulls ' is also a substantive provision, not procedural, in that it is a direct protection for the privacy of CONSUMER, XXXX XXXX XXXX In fact, accessing a Consumer Report without permissible purpose would be similar to several common law torts that fall under the umbrella of invasion of privacy, such as public discloser of private facts or intrusion upon seclusion of financial information. The Consumer Reporting Agencies NEVER notified CONSUMER, XXXX XXXX, of the illegal and impermissible access and obtained CONSUMER, XXXX XXXX, credit report and/or credit information under false pretenses by falsely representing that the purpose of such access was for collection or account review notwithstanding that the account no longer existed and willfully and negligently violated the Fair Credit Reporting Act through its above conduct, specifically violated 15 USC 1681 ( b ) by using CONSUMER, XXXX XXXX report for impermissible use that falls outside the scope of 15 USC 1681 ( b ).
XXXX, TRANSUNION & XXXX is a CONSUMER REPORTING AGENCIES as that term is defined by 15 USC 1681 ( a ) ( f ).
Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of 15 USC 1681 ( b ) Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of 15 USC 1681 ( n ) Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of 15 USC 1681 ( a ) ( 4 ).
Fact, affiant was injured due to many Data Breach on many computer systems by acquiring additional highly sensitive information and saving information onto into computer systems. Data Breaches are common and Consumer Reporting Agencies are frequent targets of cybercriminals.
Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of 15 USC 1681 ( n ) and 15 USC 1681 ( o ). Entitled to the remedies available. Consumer respectfully request CFPB grant the following relief : Fact, affiant is aware has proofs that Consumer Reporting Agencies is in violation of Cushman v Transunion, Stevenson v TRW Inc and Richardson v Fleet Bank of Mass, XXXX, XXXX, Transunion and XXXX XXXX.
First Cause of Action for Violation of the Fair Credit Reporting Act is USC 1681 -an award of actual damages Pursuant to 15 USC 1681n ( a ) ( 1 ) -award of statutory damaged Pursuant to 15 USC 1681n ( a ) ( 1 ) -an award of punitive damages if no resolution Pursuant to 15 USC 1681n ( a ) ( 2 ) -an award and cost of litigation, reasonable attorney feed if no resolution Pursuant to 15 USC 1681n ( a ) ( 3 ), and 15 USC 1681 ( o ) ( a ) ( 1 ) against Defendants for each incident of negligent noncompliance of the FCRA and -any other relief the Court if no resolution may deem just and proper.
Thank you, XXXX XXXX I swear to all information provided herein I do so under the penalty of perjury that the information I saw a firm to be true or correct accurate to the best of my ability and knowledge so be it.
I do not accept this offer to contract I do not consent to these proceedings I do require subrogation of the bond to settle the charge Credit reporting Agency.
Let it also be known that XXXXXXXX, TRANSUNION & XXXX is a furnisher of information as contemplated by 15 USC 1681s ( 2 ) ( b ). XXXX, TRANSUNION & XXXX regularly assemble and/or evaluated consumer credit information for the purposes of furnishing consumer reports to third parties and uses interstate commerce to prepare and/or furnish the reports. Unless otherwise indicated all named in this Complaint includes all agents, employees, officers, members, directors, heirs, successors, assigns, principals, trustees, sureties, subrogees, representatives and insures of Consumer Credit Reporting Agencies.
In addition, inaccurate reporting did not comply with the Consumer Data Industry Association 's Metro 2 reporting standards, which provides guidance for credit reporting and FCRA compliance called " Metro 2 Format ''. To this end, the adverse reporting from the said Consumer Credit Reporting Agencies standard and was therefore inaccurate under the CDIA 's standard as well.
CONSUMER, XXXX XXXX is informed and believes, therein alleges, that acquired CONSUMER, XXXX XXXX, information through an authorized inquiry of CONSUMER, XXXX XXXX XXXXConsumer Report ' as that term is defined by 15 USC 1681 ( d ) ( 1 ). However, 15 USC 1681 ( b ) delineates the only permissible uses of, or access to, consumer reports.
Obtaining a Consumer Report without permissible purposes constitutes an invasion of a legally protected interest in the confidentiality of the CONSUMER, XXXX XXXX sensitive personal information. This harm may be tangible but is very real and concrete.
The prohibition on impermissible credit 'pulls ' is also a substantive provision, not procedural, in that it is a direct protection for the privacy of CONSUMER, XXXX XXXX XXXX In fact, accessing a Consumer Report without permissible purpose would be similar to several common law torts that fall under the umbrella of invasion of privacy, such as public discloser of private facts or intrusion upon seclusion of financial information. The Consumer Reporting Agencies NEVER notified CONSUMER, XXXX XXXX, of the illegal and impermissible access and obtained CONSUMER, XXXX XXXX, credit report and/or credit information under false pretenses by falsely representing that the purpose of such access was for collection or account review notwithstanding that the account no longer existed and willfully and negligently violated the Fair Credit Reporting Act through its above conduct, specifically violated 15 USC 1681 ( b ) by using CONSUMER, XXXX XXXX report for impermissible use that falls outside the scope of 15 USC 1681 ( b ).
A letter from XXXX dated XX/XX/XXXX, that XXXX XXXX was in FACT, a CONSUMER. ( See Exhibit F ) A letter from XXXX dated XX/XX/XXXX, that XXXX XXXX was not in FACT CONSUMER ( See Exhibit G ) THANK YOU, CONSUMER, XXXX XXXX
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| 12/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPT OF EDXXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau XXXX I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau XXXX I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX U S DEPT OF EDXXXXXXXX ( Original Creditor : XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau XXXX I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXXt Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
TRANSUNION In accordance with the Fair Credit Reporting Act XXXXXXXX Account # XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DPT EDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DPT EDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX US DEPT ED has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX U S DEPT OF EDXXXX ( Original Creditor : XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have been marked as late several times by this company. These " late payments '' are in the way of me getting approved for other credit cards and is lowering my credit score. I demand that its corrected pursuant to : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. These accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX consumer reporting agency TransUnion below has violated my federally protected consumer rights to privacy and confidentiality under the Privacy Act of 1974. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act and Privacy Act of 1974. I acquired my recent credit report and I asked the credit bureaus to make sure everything was complete and accurate according to 12 CFR 1022.41 and 16 CFR 313.7 Form of opt out notice to consumers. 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. According to the FCRA 1.4.3 Cancellation of Debt and Taxes and 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities In some cases, consumers may be able to negotiate to reduce or eliminate an outstanding debt. Creditors and debt buyers that cancel or forgive a debt ( or portion of a debt ) must file an information Form 1099-C with the Internal Revenue Service by March 31 of the following year, and must also send a copy to the consumer. The principal of a cancelled or forgiven debt is generally considered taxable income to the consumer., although there are several important exceptions, including when the consumer disputes the debt Per 15 USC 1666a Regulation of credit reports, 15 USC 1666b- Timing of payments, 31 CFR 29.518 - Reporting delinquent debts to credit bureaus, 26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities. Per the FCRA XXXX XXXX PRIVACY SAYS and 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report The term consumer report does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the report. TRANSUNION are not reporting the correct and accurate information to my credit file correctly and there are serious discrepancies with which my account is being reported. I waited 30 days or more since then and received my investigation and noticed everything was still the same the consumer reporting agencies. TranUnion did not remove anything. I have the right to privacy per the privacy act of 1974. The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals from the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. I Have the right to opt-out of any and all reporting to my report. I was never given a opt-out notice that was clear and conspicuous from TransUnion under 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 16 CFR 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; TransUnion have this opt-out option in their available. It also states that they will not share my information with nonaffiliates or affiliates in their contracts. This is my information that they are sharing without my being given the opportunity to opt-out which is with in my right as a consumer. TransUnion as well is taking advantage of me in the same way. Since This charge off is adversely affecting my credit by being reported under the VIOLATION of my rights. reporting incorrect across all 4 credit reporting agencies XXXX, TransUnion, XXXX, XXXX XXXX, and TransUnion 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The date open is not correct, the date last active is not correct, date of last payment is not correct on all 3 reports. 15 U.S. Code 1681e - Compliance procedures- to have maximum accuracy when reporting to a consumers report. All the reporting agencies are reporting inaccurate dates and amounts on my consumer reports. Some reports have more transactions reporting than others. That wrong as well as the reporting agencies are reporting CO charge off every month which is inaccurate that is re-aging the debt making it seem newer than it is. All late payments must be updates to paid. You can not charge off a debt every month or report late payments by this law that is very inaccurate and TransUnion is re-aging the debt to make it seem as if it happened this month when the certificate of indebtedness, which now means it is income and can no longer report on my credit report without the account status being updated to paid as agreed and all payments and balances be updated to zero under the law. DELETE THESE ACCOUNTS AND UPDATE IMMEDIATELY AND INDEFINITELY It is not reporting correctly as the law says in maximum accuracy per 15 USC 1681c-2 subsection ( b ) Accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Which is a violation. This is impacting me from buying a house for my family. I am a single mother being Violated and disregarded and the laws are being disregarded as well. Someone needs to be held accountable for this. This is very frustrating for me TransUnion is not doing their job according to the law. The law clearly states that it is illegal under 15 U.S. Code 1681 to report transactions every month ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeunder subsection A section 1681s-3 of this title says the TransUnion can not report containing information solely as to transactions or experiences between the consumer and the person making the report ; Which mean TransUnion is not allowed to report my transactions from any financial institution without my permission. It is not to be reported on. Transactional history is not to be reported. The C/O that is being reported every month is illegal because you can only charge off an account within the first 6 months according to the FCRA AND 26 CFR 1.6050P-1 - Information reporting for discharges of indebtedness by certain entities because it is a certificate of indebtedness. Once it is charged off or close out is now A certificate if indebtedness which is income. Once the debt becomes Income can NOT be reported to my credit report which XXXXXXXX has failed to make sure that this account is reporting correctly. All the months need to be updated to paid as agreed and all balances updated to XXXX. ALL LATE payments AND C/O REPORTINGS FOR HISTORICAL TRENDED DATA, TRANSACTIONAL HISTORY, MINIMUM BALANCES, HIGH BALANCE AND BLANCES UPDATED TO XXXX IMMEDIATELY AND HISTORICAL TRENDED DATA, TRANSACTIONAL DATA TO POSTIVE ON TIME PAYMENTS AND ACCOUNT STATUS UPDATED TO PAID IN FULL THE AMMOUNT UPDATED TO XXXX. DELETE THIS ACCOUNT IMMDEIATELY AND INDEFINITELY I attached my previous credit report to show how Transunion violated my rights. And I attached all terms and condition, privacy notices that says my information will not be shared with any non-affiliates or affiliates I am a customer/consumer whose non personal information is being shared. Transunion has violated me and abused the law by sharing and receiving my personal information without my consent. Per the law 15 USC 6801-6805. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards THIS IS DEFINITLEY IDENTITY THEFT WHEN A FINANCIAL INSTITUTION AND TransUnion TAKES YOUR PEROSNAL INFORMATION AND SHARES IT WITH OUT YOUR KNOWLEDGE AND FOLLOWING THE LAW TO TAKE THE PROPER STEPS TO MAKE SURE THAT CONSUMERS INFORMATION IS NOT BEING RELEASE UNDER DISHONEST AND UNDERHANDED PRACTICES 15 U.S. Code 1681c2 - Block of information resulting from identity theft due to the nature of this company violation my privacy rights they have 4 days to update this information with all reporting agencies involved with my consumer report being reported inaccurately indefinitely ( a ) Block Except as otherwise provided in this section, a agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( b ) Accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. UNDER THIS LAW IM AM DUE COMPENSATION FOR THE DAMAGES, EMBARESSMENT AND NEGLECTFULNESS THAT HAS BEEN DONE TO MY CREDIT FILE. THE CREDIT REPORTING AGENCIES ARE NOT DOING THEIR DUE DILLIGENCE IN EFFFECTIVLEY PREVENTING THESE ACCOUNT FROM REPORTING INNACURATLY AND BREAKING THEIR OWN PRIVACY NOTICES AND TERMS AND CONDITONS POLICIES THEY HAVE PROMISED TO COMSUMERS 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or XXXX XXXX XXXXXXXX update this account Immediately to paid as agreed and all late payments and charge offs every month delete it. All balances are updated to XXXXXXXX XXXX XXXX XXXX XXXX delete immediately XXXX XXXX XXXX XXXX XXXX delete immediately XXXX XXXX XXXXXXXX XXXX XXXX delete immediately XXXX XXXX delete immediately I DEMAND TO DELETE THIS ACCOUNT IMMEDIATELY AND INDEFINITELY HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED XXXX STATEMENT ( S ), MANDATED XXXX PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL XXXX ( XXXX ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX MTR Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
22. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
24. The inquiry was not authorized XXXXF Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
25. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
26. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
27. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System XXXX : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I DENY your credit reporting agency is accurately reporting my information correctly. This is false and misleading information on my credit report and you are subject to a defamation and slander lawsuit as well as violations of the FCRA and united states constitution.
5. I DENY I have any obligations or contracts with these companies. You have a statutory obligation to verify independently the accuracy the completeness of information on my credit report and your agency did not comply with the FCRA.
6. I wrote previous request demanding you get it right but your investigators failed to do so. You are in violation of your own act by refusing to delete unverified information from my consumer profile. The companies that pay you for profit are without authorization and are intentionally invading my private matters. This has caused me mental anguish and suffering impairing my unalienable freedoms to life, liberty and pursuit of happiness by your negative reporting giving me a bad name which goes against my religious beliefs.
7. I have a right to privacy in all financial matters You are allowing third parties to report monthly negative information on my credit report after several notices to your company asking to validate the debt and none has validated the debt according to the law. I have given notice to remove the debts and update late payments and complete a rapid rescore without cost but you have failed to do so.
8. TAKE NOTICE that every company in dispute are only making claims but they havent proved that they loaned me any money. Bookkeeping entries that were allegedly made is an attempt to establish an alleged obligation or debt, and in which case, the entire matter would constitute fraud so you must remove the debt and I dont need to complete a police affidavit for you to remove it. It's simply inaccurate an unvalidated debt. Pursuant to XXXX XXXX XXXX Buy let your communication be, Yea, yea; Nay, nay : for whatsoever is more than these cometh of evil.
9. XXXX XXXX gives notice of the following FCRA violations [ pursuant to ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. ] Also in violation of my right to dispute incomplete or inaccurate information, In violation of my right to remove old negative information in violation of not restricting who can access my report. Which has intern invaded my privacy.
FINDINGS OF FACT II.
RESPONDENT VIOLATED PETITIONERS UNALIENABLE RIGHTS PURSUANT TO THE FOLLOWING : Pursuant to 1781 United States Constitution 10. THE U.S Bill of Rights 1787 United States Constitution AMENDMENT I. Has Been Violated in the past.
11. 1787 United States Constitution AMENDMENT IV. Has Been Violated in the past.
12. 1787 United States Constitution AMENDMENT V. Has Been Violated in the past.
13. 1787 United States Constitution AMENDMENT VI. Has Been Violated in the past.
14. 1787 United States Constitution AMENDMENT VII. Has Been Violated in the past.
15. 1787 United States Constitution ARTICLE I. SECTION 8 Has Been Violated in the past.
16. 1787 United States Constitution ARTICLE I. SECTION 9. SUBSECTION 3. Has Been Violated in the past.
17. 1787 United States Constitution ARTICLE I. SECTION 10. Has Been Violated in the past.
18. 1787 United States Constitution ARTICLE IV. SECTION 1. Has Been Violated in the past.
19. 1787 United States Constitution Art VI Classe I : Has Been Violated in the past.
III. AFFIDAVIT OF THE PETITIONER 20. I cook, XXXX being of sound mind, good moral character, having firsthand knowledge of the foregoing facts hereby, without any mental reservation or purpose of evasion, bare witness, state and declare that ; 21. Respondents Agree that they violated petitioners rights for failure show cause why they are entitled to violate the FCRA ( Title VI of the Consumer Credit Protection Act ) which protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. and 22. Respondent agree they have intentionally reported negative information on petitioners credit report without her consent and admit to the following violations of the 1787 United States Constitution Bill of Rights Amendment IV which protects my property ( I.e my credit ) from search and seizer which the debt collectors or alleged creditors has done, which is a violation of Bill of Rights ; and 23. Respondents agree and consent that they have failed to establish and follow reasonable procedures, as required by existing law, to establish the maximum level of accuracy of information contained on my consumer report and are out of compliance with their existing obligations.
24. The Respondents agree and consent by allowing the presence of inaccurate or incomplete information to remain on my credit report has resulted in substantial financial and emotional harm. Which has lead me to loss of new employment opportunities in my industry which is Travel and Real estate and has prohibited me from being able to access credit on favorable terms. This has also prevented me from obtaining investment properties and triggering mental distress in my old age and living on a fixed income.
25. Respondents agree that current industry practices impose an unfair burden of proof on me as a consumer with the effort I have made trying to fix errors on my credit report and you wont follow your existing law.
26. Respondents agree that this inaccurate or incomplete information has also undermined the ability of creditors and lenders to effectively and accurately underwrite and price the credit I rightfully qualify for.
27. Respondents agree that the inaccurate credit reporting has affected my life and as a result of the error on my consumer credit report this has been catastrophic for me to bear.
Respondents agree they have participated in the improper use of my credit report, making it difficult to obtain a credit report and a credit score, credit monitoring and identity protection during my dispute process.
28. Respondents agree that the debt collectors or alleged creditors never investigated the disputes and the investigation lacked detail and the investigation was not accompanied by attachments with relevant information.
29. Respondents agree that you have burdened me by calling my disputes frivolous or failed to identify one self, or even worst that I am didnt write the dispute letters based on your educated guess.
30. Respondents agree that they use quota systems to force employees to process disputes hastily and without the opportunity for conducting meaningful investigations. and punished those who didnt meet production numbers with probation. Therefore they agree that they are in this for unjust enrichment by conducting improper and inaccurate investigations affecting consumers like me. and they agree that they will continue to skirt their obligations under the law.
31.Respondent agree that they did not follow the FCRA when performing a reasonable investigation and did not conduct a substantive search inquiry when I disputed the items on my consumer report. and 32. Respondents agree you did not conduct the proper independent review about the accuracy of any disputed item. You agree you only relied on a furnishers rubber stamp verification of the integrity of the information that was provided to you. and 33. Therefore you agree that you failed to adequately fulfill your dispute handling obligations, including by not forwarding to furnishers all relevant information found in letters and supporting documents supplied by me when I submitted my dispute.
34. Respondents agree that the time it has taken me to consistently report my concerns to your credit reporting agency without success it has become frustrating, burdensome and a time-consuming process therefore Im within my right to sue you for the violations and 35. Respondents agree that they allowed third parties access my credit profile and reported negative information on my credit report without proper validation and you agree you have taken my property without due process of law pursuant to 1787 United States Constitution Article V. The credit bureaus can not take my property without due process of law or take it for public use without just compensation which Equifax , Experian and TransUnion have done in the past going against the Bill of Rights ; and 36. The Respondents agree they have violated 1787 U.S. Const Amendment VI. in the past when they never informed me of the nature and cause of the accusation ; to be confronted with the witnesses against me ; to have compulsory process for obtaining witnesses in my favor, before they took my credit reports and reported negative on my credit report, which is against the Bill of Rights, ( I.e slavery ) and 37.Respondent ( s ) consent and agree that they shocked, substantially burdened, controlled, and interfered with the religious conscience of the Petitioner, and prevented him from worshiping her XXXX pursuant to the XXXX XXXX, XXXX XXXX which states : A good name is to be chosen rather than great riches, loving favor rather than silver and gold. and violated petitioners unalienable rights pursuant to 1787 U.S. Constitution Amendment 1 ; and 38. Respondents agree that the presence of inaccurate or incomplete information on my consumer credit report has resulted in substantial financial and emotional harm.. and 39. Respondent ( s ) agree that any previous negative items reporting on the credit report are void as they go against The 1787 Constitution of The United States 10 No State shall pass any bill of attainder, ex post facto law, or law impairing the obligation of contracts, or grant any title of nobility. and 40. Respondent ( s ) agree that as a non-government agency ( Equifax, Experian TransUnion ) you agree that pursuant to The Constitution Of The United States ARTICLE 4. You allowed the alleged creditors to violate my right to privacy against unreasonable searches and seizures without my consent. and 41. Respondents agree I shouldnt have to incur a cost to keep my private information protected. ; and 42. Respondents agree that Any act of Congress repugnant to the Constitution can not become the law of the land. [ Maybury v Madison ] ; and 43. Respondent ( s ) agree not to accept mere journal entries as proof of validation with a matching address without having in your system the actually contract with a wet blue ink signature on it. Mere copies are not acceptable.
44. Respondents agree I reserve the right to sue pursuant to Public Law 90-284 [ 18 U.S.C. 241, and 242 ], Public Law 103-141 [ 42 U.S.C. 2000bb, Religious Freedom Restoration Act of 1993 ], Public Law 39-26 [ 42 U.S.C. 1981, 1866 Civil Rights Act ] for deprivation of rights : and 45. Respondent ( s ) agree that failure to correct the credit reports to reflect my good name and good credit score within fourteen ( 14 ) days will be certified in a Default Judgment by the Notary to be issued and filed with the clerk of court ; 45. Respondent ( s ) agree and consent to XXXX XXXX without cost and agree to update late payments and remove collections judgments and charge offs and never place negative items on my credit report without my consent.
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| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Also Known As : XXXX, XXXX 2. The following personal information is incorrect Also Known As : XXXX, XXXX, L 3. The following personal information is incorrect Employers : XXXX XXXX 4. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
17. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
18. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
20. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
21. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
22. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
23. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
24. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
25. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
26. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
27. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
28. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
29. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
30. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
31. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
32. XXXX XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
33. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX District of Columbia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXXXXXX XXXX XXXX Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXXXXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX XXXX
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| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX : XX/XX/XXXX todays date : XXXX ssn XXXX RE : Investigation Request to Delete Credit unauthorized credit accounts on credit report if debt can not be validated.
To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. Pursuant 12 CFR 1006.34 - Notice for validation of debts section c states : Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.
( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ).
( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collector 's name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information.
( ii ) The consumer 's name and mailing address.
( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date.
( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number.
( v ) The name of the creditor to whom the debt currently is owed.
( vi ) The itemization date.
( vii ) The amount of the debt on the itemization date.
( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page.
( ix ) The current amount of the debt.
34 CFR 685.215 - Discharge for false certification of student eligibility or unauthorized payment. ( 5 ) Identity theft. In the case of an individual whose eligibility to borrow was falsely certified because he or she was a victim of the crime of identity theft and is requesting a discharge, the individual must ( i ) Certify that the individual did not sign the promissory note, or that any other means of identification used to obtain the loan was used without the authorization of the individual claiming relief ; ( ii ) Certify that the individual did not receive or benefit from the proceeds of the loan with knowledge that the loan had been made without the authorization of the individual; and ( iii ) Provide a statement of facts and supporting evidence that demonstrate, to the satisfaction of the Secretary, that eligibility for the loan in question was falsely certified as a result of identity theft committed against that individual. Supporting evidence may include ( A ) A judicial determination of identity theft relating to the individual ; ( B ) A Federal Trade Commission identity theft affidavit ; ( C ) A police report alleging identity theft relating to the individual ; ( D ) Documentation of a dispute of the validity of the loan due to identity theft filed with at least XXXX major consumer reporting agencies ; and ( E ) Other evidence acceptable to the Secretary.
( 6 ) Definition of identity theft.
( i ) For purposes of this section, identity theft is defined as the unauthorized use of the identifying information of another individual that is punishable under 18 U.S.C. 1028, 1028A, 1029, or 1030, or substantially comparable State or local law.
( ii ) Identifying information includes, but is not limited to ( A ) Name, Social Security number, date of birth, official State or government issued driver 's license or identification number, alien registration number, government passport number, and employer or taxpayer identification number ; ( B ) Unique biometric data, such as fingerprints, voiceprint, retina or iris image, or unique physical representation ; ( C ) Unique electronic identification number, address, or routing code ; or ( D ) Telecommunication identifying information or access device ( as defined in 18 U.S.C. 1029 ( e ) ).
( 7 ) Claim to third party. The borrower must state whether the borrower ( or student ) has made a claim with respect to the school 's false certification or unauthorized payment with any third party, such as the holder of a performance bond or a tuition recovery program, and, if so, the amount of any payment received by the borrower ( or student ) or credited to the borrower 's loan obligation.
( 8 ) Cooperation with Secretary. The borrower must state that the borrower ( or student ) ( i ) Agrees to provide to the Secretary upon request other documentation reasonably available to the borrower that demonstrates that the borrower meets the qualifications for discharge under this section; and ( ii ) Agrees to cooperate with the Secretary in enforcement actions as described in 685.214 ( d ) and to transfer any right to recovery against a third party to the Secretary as described in 685.214 ( e ).
( 9 ) Discharge without an application. The Secretary discharges all or part of a loan as appropriate under this section without an application from the borrower if the Secretary determines, based on information in the Secretary 's possession, that the borrower qualifies for a discharge. Such information includes, but is not limited to, evidence that the school has falsified the Satisfactory Academic Progress of its students, as described in 668.34.
( 10 ) Application for group discharge. A State Attorney General or nonprofit legal services representative may submit to the Secretary an application for a group discharge under this section.
( d ) Discharge procedures.
( 1 ) If the Secretary determines that a borrower 's Direct Loan may be eligible for a discharge under this section, the Secretary provides the borrower an application and an explanation of the qualifications and procedures for obtaining a discharge. The Secretary also promptly suspends any efforts to collect from the borrower on any affected loan. The Secretary may continue to receive borrower payments.
( 2 ) If the borrower fails to submit the application for discharge and supporting information described in paragraph ( c ) of this section within 60 days of the Secretary 's providing the application, the Secretary resumes collection and grants forbearance of principal and interest for the period in which collection activity was suspended.
( XXXX ) If the borrower submits an application for discharge that the Secretary determines is incomplete, the Secretary notifies the borrower of that determination and allows the borrower an additional 30-days to amend their application and provide supplemental information. If the borrower does not amend their application within 30 days of receiving the notification from the Secretary, the borrower 's application is closed as incomplete and the Secretary resumes collection of the loan and grants forbearance of principal and interest for the period in which collection activity was suspended.
( 4 ) If the borrower submits a completed application described in paragraph ( c ) of this section, the Secretary determines whether the available evidence supports the claim for discharge. Available evidence includes evidence provided by the borrower and any other relevant information from the Secretary 's records and gathered by the Secretary from other sources, including guaranty agencies, other Federal agencies, State authorities, test publishers, independent test administrators, school records, and cognizant accrediting associations. The Secretary issues a decision that explains the reasons for any adverse determination on the application, describes the evidence on which the decision was made, and provides the borrower, upon request, copies of the evidence. The Secretary considers any response from the borrower and any additional information from the borrower and notifies the borrower whether the determination is changed.
( 5 ) If the Secretary determines that the borrower meets the applicable requirements for a discharge under paragraph ( c ) of this section, the Secretary notifies the borrower in writing of that determination.
( 6 ) If the Secretary determines that the borrower does not qualify for a discharge, the Secretary notifies the borrower in writing of that determination and the reasons for the determination.
( 7 ) A borrower is not precluded from re-applying for a discharge under paragraph ( c ) of this section if the discharge request is closed as incomplete, or if the Secretary determines that the borrower does not qualify for a discharge if the borrower provides additional supporting evidence.
INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$1900.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$3800.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$7400.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$3700.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$5600.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$7600.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$3300.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$3800.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$1100.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$1700.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$2500.00} ) ( alleged account open date : XX/XX/XXXX ) XXXX. XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } improper use of report and debt status ( amount alleged owed : {$1800.00} ) ( alleged account open date : XX/XX/XXXX ) I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
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| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SSN : XXXX XXXX : XX/XX/XXXX To whom it may concern : TransUnion XXXX XXXX XXXX XXXX, PA XXXX I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are unverified. I understand that, according to the Fair Credit Reporting Act, Section 611 of the FCRA, you are required to promptly delete all information that is inaccurate, incomplete or which can not be verified.It is also my understanding that, under the FCRA, 15 U.S.C. & 1681i, every single one - even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and/or unverified aspects of any alleged derogatory accounts- must be promptly negated in its entirety, or the alleged accounts must be completely deleted.I am now enacting my consumer and civil rights to compel you to annul with permanent deletion these derogatory accounts, or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations. The following derogatory account allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine, not my responsibility, or otherwise not proven in compliance with regulatory federal reporting laws and/or standards, and must be removed immediately.
Personal Information for TransUnion NAME : XXXX XXXX XXXX My name is XXXX XXXX. Please make sure you remove any name in your system which does not match the first and last names listed on this letter.
CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, TN XXXX Your most up-to date personal information should be accurate, timely and verifiable. If you don't have the proper documentation for your credit profile then it's not in compliance with FCRA or Metro 2 standards. Please delete any address in your system that does not match my address of XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Last Payment : Past Due Amount : Payment Frequency : 7 Year History TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$790.00} Derogatory Account not disputed Closed Charged off as bad debtDispute resolved ; reported by grantor XX/XX/XXXX {$790.00} -- XXXX : XXXX XXXX : XXXX XXXX : XXXX High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Payment Amount : Term Length : Account Type : Credit Limit : TransUnion {$790.00} XX/XX/XXXX XX/XX/XXXX XXXX Individual Bank Credit XXXX XXXX {$0.00} XXXX Credit Card {$600.00} The information above was never verified to be accurate, complete, timely, and validated! You must provide documented proof of compliance reporting standards and applicable consumer laws. The information above is deficient. I demand that imperfect, inaccurate, incomplete, and unverified information be deleted immediately!
XXXX Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Last Payment : Past Due Amount : Payment Frequency : 7 Year History TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} Derogatory Account not disputed Closed Charged off as bad debtProfit and loss write-off XX/XX/XXXX {$0.00} -- XXXX : XXXX XXXX : XXXX XXXX : XXXX High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Payment Amount : Term Length : Account Type : Credit Limit : TransUnion {$260.00} XX/XX/XXXX XX/XX/XXXX XXXX Individual Bank Credit Cards Collection/Chargeoff {$0.00} XXXX XXXX credit card {$100.00} Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX SSN XXXX XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I insist that XXXX update your information immediately, as it is currently inaccurate and does not meet the minimum standard for accuracy. If it is not fixed immediately, legal action XXXX be necessary. Inaccurate data has no place in your records or on my credit report, so please erase it immediately.
XXXX Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Last Payment : Past Due Amount : Payment Frequency : 7 Year History TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} Derogatory Account not disputed Closed Charged off as bad debtPurchased by another lender XX/XX/XXXX {$0.00} -- XXXX : XXXX XXXX : XXXX XXXX : XXXX High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Payment Amount : Term Length : Account Type : Credit Limit : TransUnion {$1500.00} XX/XX/XXXX XX/XX/XXXX XXXX Individual Variety Store Collection/Chargeoff {$0.00} -- Charge account -- I'm disappointed that you have failed to provide documented proof of compliance reporting standards and applicable consumer laws. This is a major deficiency! I demand this flawed, inaccurate report be deleted immediately or else legal action will ensue against your company for failing to meet certain requirements set out in law with regards to compliance and consumer protection. It's very important that we have accurate information so that we can avoid potential problems in the future. Unfortunately, it seems that you have not taken this seriously, and I'm afraid that legal action may be necessary.
XXXX XXXX Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Last Payment : Past Due Amount : Payment Frequency : 7 Year History TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$0.00} Closed Account not disputed Closed Closed XX/XX/XXXX $ 0 Monthly ( every month ) XXXX : XXXX XXXX : XXXX XXXX : XXXX High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Payment Amount : Term Length : Account Type : Credit Limit : TransUnion {$22000.00} XX/XX/XXXX XX/XX/XXXX XXXX Individual XXXX XXXX XXXX 60 Days {$0.00} 78 Month ( XXXX ) Auto Loan -- The content mentioned above has never been certified to meet reporting standards. The data provided has never been proven to be accurate, complete, or up to date. In order to comply with any consumer legislation, documentation confirming compliance is required. The information supplied is insufficient and I demand that any wrong, incomplete, or unsupported material be deleted.
I C SYSTEM Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$1800.00} Derogatory Account not disputed Open Placed for collection High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Last Payment : TransUnion {$1800.00} XX/XX/XXXX XX/XX/XXXX -- Individual Other Collection Agencies Collection/Chargeoff -- Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX SSN : XXXX XXXX : XX/XX/XXXX Past Due Amount : {$0.00} TransUnion XXXX XXXX XXXX XXXX, PA XXXX The information above has not been verified to meet reporting standards. The data provided is not complete, accurate, or up-to- date, and I demand that it be corrected.
THESTARKCOLL Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Past Due Amount : TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$920.00} Derogatory Account not disputed Open Account information disputed by consumer, meets FCRA XXXX {$0.00} High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Last Payment : Account Type : TransUnion {$920.00} XX/XX/XXXX XX/XX/XXXX -- Individual Other Collection Agencies Collection/Chargeoff -- -- The information provided above has not been certified to meet any reporting standards, and XXXX be inaccurate or incomplete. I request that any wrong or unsupported information be deleted from this document.
XXXX CRED Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Past Due Amount : TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$1300.00} Derogatory Account not disputed Open Placed for collection {$0.00} High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Last Payment : Account Type : TransUnion {$1300.00} XX/XX/XXXX XX/XX/XXXX -- Individual Other Collection Agencies Collection/Chargeoff -- -- I am extremely disappointed that the information you have provided is not accurate and does not meet the minimum standards for credit reporting. I demand that this be fixed immediately or else I will take legal action. Inaccurate, imperfect information has no place in your database or on my credit report, so please delete it now.
CREDIT COLL Account # : Last Verified : Date Reported : Balance Owed : Account Rating : Dispute Status : Account Status : Creditor Remarks : Past Due Amount : TransUnion XXXX XX/XX/XXXX XX/XX/XXXX {$330.00} Derogatory Account not disputed Open Placed for collection {$0.00} High Balance : Date of Last Activity : Date Opened : Closed Date : Account Description : Creditor Type : Payment Status : Last Payment : Account Type : TransUnion {$330.00} XX/XX/XXXX XX/XX/XXXX -- Individual Other Collection Agencies Collection/Chargeoff -- -- Your information is outdated and does not meet the accuracy standards we require. If it is not updated immediately, legal action XXXX be necessary. We value accuracy in our databases and credit reports, so please delete this information immediately.
Inquiries XXXX OF XXXX XX/XX/XXXX TransUnion I believe this inquiry on my credit file is unauthorized and would like it removed or proof that you have permission to pursue this course of action under the Fair Credit Reporting Act. Please provide documentation showing compliance with FCRA guidelines.
Account Type : -- XXXX OF XXXX XX/XX/XXXX TransUnion Page XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX The law states that you must give permission before someone accesses your personal information. This should never have happened without verification of application for credit with the company in question. Please furnish documentation proving permissible purpose or else delete any reported inquiries immediately.
In appreciation, According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms!
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXXXXXX, TN XXXX I am writing to inform you that I am aware of your illegal practices of sending form letters in response to disputes and challenges from consumers, regardless of the specific information that they have provided. This is in violation of 15 U.S. Code 5 1681i, which requires that each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating my rights as a consumer. I will consider this to be an intentional disregard of my rights, and I will contact my lawyer to take legal action.
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| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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It is illegal to show transaction history in a credit report. Credit is open-ended under the ECOA and FCRA. It is a violation to report transaction history of my nonpublic personal information. I have found over *49 violations* upon Transunion violating 15 U.S. Code 6801. 15 USC 1681b section ( f ) and 16 CFR 313 was violated as Transunion solicited or conspired with promotional inquiries/reviews of my credit without authorization. They are being requested to pay the {$49000.00} fee associated with 15 USC 1681n for violating my credit file. I received pay this minimum amount of such a bill to boost your score which is incredibly illegal and NOT their business. I had opted out with my Bank and they had no business to my transaction details. There is presently a billing error with my personal accounts that have been paid in full ( and not being accurately reported ). This is a deceptive practice, harming my equity and ability to do commerce under 16 CFR 433.2.
Further, I found that they were providing promotional inquiries and reviews of my credit file to 27+ companies without my consent. There were over 49 additional offenses that totaled {$49000.00} in fees that they are being requested to pay.
REMOVE THE FOLLOWING UNAUTHORIZED OPTED OUT PROMOTIONAL OFFERS from my REPORT : XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX XXXX XXXX Requested XX/XX/XXXX XXXX XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX XXXX XXXX - Requested XX/XX/XXXX XXXX XXXX REMOVE THE FOLLOWING UNAUTHORIZED REVIEWS FROM MY REPORT XXXX XXXX XX/XX/XXXX ( I never requested ) XXXX XXXX XXXX ( I never requested and have zero debts ) - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( reported also in FTC report ) XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX ), XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX On the XXXX XXXX ( NO SUCH WRITTEN AUTH GIVEN ) XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Never requested, zero debts ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX This is an additional complaint ( 3rd time ) that they have failed to cure deleting the inaccurate, incomplete, or unverifiable information from 5 hard pulls to my credit file.
REMOVE the inaccurate, incomplete, or unverifiable information.
REMOVE : XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX REMOVE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX REMOVE : XXXX XXXX XXXX XX/XX/XXXX They added 2 addresses to my report after numerous phone calls in XXXX, XXXX, and XXXX disputing non-mailable addresses that I have never had a single fiduciary relationship with in Illinois. This leads me to believe they conspired with a non-disclosed third pary provider of incorrect data. I have never lived in Illinois!
These addresses disputed were : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was added after XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Removed XX/XX/XXXX I am seeking a fee of {$1000.00} per fraudulent entry using 5 U.S. Code 552a and 15 U.S. Code 6801.
Attached is the letter from XX/XX/XXXX that was sent to Transunion about the errors in my Credit File I was provided in my XXXX reports disputing additional promotional and reviews of my credit file without my consent. I have opted out of 3rd Party Affiliates being able to market any product to me and have never consented in written, unwritten, verbal, or non verbal consent to having my social security provided to ANYONE- this is a violation of 5 U.S. Code 552a.
15 USC 1681b - Permissible Purposes ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( f ) Certain use or obtaining of information prohibited A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXX, and XX/XX/XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
NONPUBLIC PERSONAL INFORMATION = FINANCIAL INFORMATION DEFINED : ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
16 CFR 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER 5 U.S. Code 552a - Records maintained on individuals THE ONLY PARTY THAT IS ALLOWED TO ASK ME FOR MY SOCIAL SECURITY NUMBER IS THE GOVERNMENT. This would be the Secretary of States office. This would be the department of vital statistics. This would be the US Treasury. These are US GOVERNMENT AFFILIATES. Transunion is NOT the government. EACH individual who accessed my accounts were provided my social security number without my consent. Each 3rd party who provided addresses accessed my social security number without my consent.
You can review the law yourself.
IT is illegal for you to provide my social security number to ANY of the promotional offers and reviews of my credit without my permission. This is a {$1000.00} FEE + Attorneys costs per 3rd party who accessed. Same with adding addresses to my account provided to you by a 3rd party.
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| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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I have reached out to Trans Union about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint state Attorney Generals with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXyou can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( CEASE AND DESIST ) Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the CALIFORNIA Attorney General 's office and civil claims may be pursued.ALSO 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX XXXXTRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act. I AM aware that -my SSN belongs to the ( SSA ) Social Security Administration -and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of ( 18 U.S.C 894 ) for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ).
A copy of the : consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ).
UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit.
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| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have asked for proof that they are allowed to mark me late on my open end consumer credit plan per the following federal laws ; 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy I, XXXX XXXX, am verifying this is XXXX XXXX and there is no need to ask for validation. For reference, Ive attached my Drivers License and Social Security Card bearing my name and only valid address.
You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & ACCOUNTS, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 - Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { {$1000.00} } per violation.
You shared my information with numerous creditors without getting my consent first. This is aggravated identity theft. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 - furnishing deceptive forms. You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. There is no law that says I have to pay a bill. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by XXXX, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed. Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms - I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts XXXX XXXX the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts. They are inaccurate, please block and remove them.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX already requested and attached an official police report from my County police department ( XXXX XXXX XXXX XXXXXXXX ). My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information. RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to a data breach/ identity theft by your company. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
This complaint is being sent after 3 separate letters to the credit bureau was sent on the following dates earlier this year : XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. In response to my letters, I received stall letters asking me for additional identity verification - ID and proof of Citizenship ( which was provided in all of my letters ) ; or I received a stall letter stating I had a 3rd party create my letters sent to the credit bureau asking that the inaccuracies were addressed and therefore, the request was invalid ( because using a 3rd party was not allowed, which it is not AND I CREATED THE LETTERS MYSELF ). All of my efforts with the credit bureau to have these items removed were met to no avail.
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have never been late and I am demanding to see proof that I was pursuant to the following federal laws ; 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) May report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) May not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This company has yet to show me proof that I was ever late pursuant to the following laws : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( XXXX ) of this section without incurring additional finance or other charges ; ( XXXX ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( XXXX ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy I, XXXX XXXX, am verifying this is XXXX XXXX and there is no need to ask for validation. For reference, Ive attached my Drivers License and Social Security Card bearing my name and only valid address.
You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & ACCOUNTS, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 - Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to { {$1000.00} } per violation.
You shared my information with numerous creditors without getting my consent first. This is aggravated identity theft. You are criminally liable for aggravated identity theft which is punishable for up to 2 years. 15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 - furnishing deceptive forms. You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information. Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f Unfair practices - A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. There is no law that says I have to pay a bill. ( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad condition that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed. Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person. These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person. This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
1
5 U.S. Code 1692j -Furnishing Certain Deceptive Forms - I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check. 15 U.S. Code 1692g - Validation of debts 1 am th
e original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft. I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts. They are inaccurate, please block and remove them.
Account Number Open Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX I already requested and attached an official police report from my County police department ( report # : XXXX ). My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information. RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to a data breach/ identity theft by your company. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or { {$1000.00} }, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter. Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report. Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
This complaint is being sent after 3 separate letters to the credit bureau was sent on the following dates earlier this year : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. In response to my letters, I received stall letters asking me for additional identity verification - ID and proof of Citizenship ( which was provided in all of my letters ) ; or I received a stall letter stating I had a 3rd party create my letters sent to the credit bureau asking that the inaccuracies were addressed and therefore, the request was invalid ( because using a 3rd party was not allowed, which it is not AND I CREATED THE LETTERS MYSELF ). All of my efforts with the credit bureau to have these items removed were met to no avail.
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| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Transunion, XXXX, and XXXX continue to report this account XXXX XXXX account even after I have opted out of this information reporting to my consumer account. Any financial institution has to provide the consumer with an opt out notice every 30 days giving them the option to opt out of said information. I have received no notice from each reporting agency. 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( XXXX ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between XXXX or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( XXXX ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( XXXX ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( XXXX ) with the consent or at the direction of the consumer ; ( XXXX ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( XXXX ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( XXXX ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( XXXX ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 6803 - Disclosure of institution privacy policy U.S. Code Notes prev | next ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution ; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations Disclosures required by subsection ( a ) shall be made in accordance with the regulations prescribed under section 6804 of this title.
( c ) Information to be included The disclosure required by subsection ( a ) shall include ( 1 ) the policies and practices of the institution with respect to disclosing nonpublic personal information to nonaffiliated third parties, other than agents of the institution, consistent with section 6802 of this title, and including ( A ) the categories of persons to whom the information is or may be disclosed, other than the persons to whom the information may be provided pursuant to section 6802 ( e ) of this title ; and ( B ) the policies and practices of the institution with respect to disclosing of nonpublic personal information of persons who have ceased to be customers of the financial institution ; ( 2 ) the categories of nonpublic personal information that are collected by the financial institution ; ( 3 ) the policies that the institution maintains to protect the confidentiality and security of nonpublic personal information in accordance with section 6801 of this title ; and ( 4 ) the disclosures required, if any, under section 1681a ( d ) ( 2 ) ( A ) ( iii ) of this title.
( d ) Exemption for certified public accountants ( 1 ) In general The disclosure requirements of subsection ( a ) do not apply to any person, to the extent that the person is ( A ) a certified public accountant ; ( B ) certified or licensed for such purpose by a State ; and ( C ) subject to any provision of law, rule, or regulation issued by a legislative or regulatory body of the State, including rules of professional conduct or ethics, that prohibits disclosure of nonpublic personal information without the knowing and expressed consent of the consumer.
( 2 ) Limitation Nothing in this subsection shall be construed to exempt or otherwise exclude any financial institution that is affiliated or becomes affiliated with a certified public accountant described in paragraph ( 1 ) from any provision of this section.
( 3 ) Definitions For purposes of this subsection, the term State means any State or territory of the United States, the District of Columbia, XXXX XXXX, XXXX, XXXX XXXX, the Trust Territory of the XXXX XXXX, the XXXX XXXX, or the XXXX XXXX XXXX.
( XXXX ) Model forms ( 1 ) In general The agencies referred to in section 6804 ( a ) ( 1 ) of this title shall jointly develop a model form which may be used, at the option of the financial institution, for the provision of disclosures under this section.
( 2 ) Format A model form developed under paragraph ( 1 ) shall ( A ) be comprehensible to consumers, with a clear format and design ; ( B ) provide for clear and conspicuous disclosures ; ( C ) enable consumers easily to identify the sharing practices of a financial institution and to compare privacy practices among financial institutions ; and ( D ) be succinct, and use an easily readable type font.
( 3 ) Timing A model form required to be developed by this subsection shall be issued in proposed form for public comment not later than 180 days after XXXX XXXX XXXX.
( 4 ) Safe harbor Any financial institution that elects to provide the model form developed by the agencies under this subsection shall be deemed to be in compliance with the disclosures required under this section.
( f ) Exception to annual notice requirement A financial institution that ( 1 ) provides nonpublic personal information only in accordance with the provisions of subsection ( b ) ( 2 ) or ( e ) of section 6802 of this title or regulations prescribed under section 6804 ( b ) of this title, and ( 2 ) has not changed its policies and practices with regard to disclosing nonpublic personal information from the policies and practices that were disclosed in the most recent disclosure sent to consumers in accordance with this section, shall not be required to provide an annual disclosure under this section until such time as the financial institution fails to comply with any criteria described in paragraph ( 1 ) or ( 2 ).
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| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to file a dispute regarding the following creditors and their account numbers : XXXX XXXX. These creditors have violated multiple sections of federal laws that are in place to protect consumers such as myself.
Specifically, I believe that the creditors have violated the following provisions of the laws : FCRA Section 623 ( a ) ( 2 ) : The creditor may have violated this section by reporting inaccurate information to the credit reporting agencies.
FCRA Section 611 ( a ) : The creditor may have violated this section by failing to verify information with the credit reporting agencies.
FCRA Section 605 ( a ) ( 3 ) : The creditor may have violated this section by failing to disclose the date of last activity on the account.
FACTA Section 312 ( a ) : The creditor may have violated this section by failing to provide accurate and complete information to the credit reporting agencies.
FACTA Section 312 ( b ) ( 1 ) : The creditor may have violated this section by failing to disclose the date of last activity on the account.
ECOA Section 703 ( a ) ( 1 ) : The creditor may have violated this section by discriminating against the account holder, for example, by not providing a credit limit or reporting the same information accurately to all three credit bureaus.
FCBA Section 166 ( b ) ( 3 ) ( A ) : The creditor may have violated this section by failing to promptly investigate and correct billing errors reported by the account holder, specifically regarding the high balance reported to the credit bureaus.
As a result of the violations mentioned above, my credit report has been negatively impacted. The creditors in question have reported inaccurate information, failed to verify information, and discriminated against me as a consumer. This has had a significant impact on my life as I have been denied credit opportunities, housing, and employment opportunities due to the negative information on my credit report.
I want to urge you to take action to enforce these legal provisions and protect consumers like myself from these unfair practices. I request that the creditors remove the unverified collection account from my credit report immediately.
XXXX regarding my account number XXXX. The information being reported by the creditor has had a significant and negative impact on my creditworthiness, making it difficult for me to secure credit or loans, and I believe that there are several violations of federal law that have occurred in the way this account has been reported.
Firstly, I believe that XXXX has violated Section 623 ( a ) ( 2 ) of the FCRA by reporting inaccurate information to the credit bureaus. Specifically, the creditor has reported a high balance of {$4200.00} on TransUnion and XXXX, but a balance of XXXX on XXXX. This discrepancy in reporting has resulted in inaccurate information being reported to the credit bureaus, which has unfairly impacted my credit score and creditworthiness.
Secondly, I believe that XXXX has violated Section 611 ( a ) of the FCRA by failing to verify information with the credit bureaus. TransUnion is showing a Last Verified date of XX/XX/XXXX, but neither XXXX nor XXXX have reported any verification of this account. This lack of verification indicates that the creditor has not taken appropriate steps to ensure that the information being reported is accurate.
Thirdly, I believe that XXXX has violated Section 605 ( a ) ( 3 ) of the FCRA by failing to disclose the date of last activity on the account. This information is important in determining the accuracy of the information being reported and is required by law to be disclosed to the credit bureaus.
Furthermore, I believe that XXXX has violated Section 312 ( a ) of FACTA by failing to provide accurate and complete information to the credit bureaus. The creditor has failed to report the credit limit balance of {$3500.00} to TransUnion, XXXX, or XXXX, which has resulted in incomplete and inaccurate information being reported.
In addition, I believe that XXXX has violated Section 312 ( b ) ( 1 ) of FACTA by failing to disclose the date of last activity on the account. The creditor has failed to provide this information to TransUnion, XXXX, or XXXX, which has resulted in incomplete and inaccurate information being reported.
Furthermore, I believe that XXXX has violated Section 703 ( a ) ( 1 ) of ECOA by discriminating against me, the account holder. The creditor has not provided a credit limit or reported the same information accurately to all three credit bureaus, which has resulted in unfair and discriminatory treatment.
Finally, I believe that XXXX has violated Section 166 ( b ) ( 3 ) ( A ) of the FCBA by failing to promptly investigate and correct billing errors reported by me, the account holder. Specifically, I reported a billing error regarding the high balance reported to the credit bureaus, but the creditor did not investigate or correct this error in a timely manner.
These violations of federal law have had a significant impact on my life. The inaccurate information being reported by the creditor has made it difficult for me to secure credit or loans, and has resulted in higher interest rates and fees when I do qualify for credit. This has caused significant financial strain and stress for me and my family.
Therefore, I am requesting that XXXX remove these unverified collection accounts from my credit report immediately, in accordance with the requirements of federal law. I am also requesting that the creditor take appropriate steps to ensure that the information being reported is accurate and complete, and that all violations of federal law are corrected.
XXXX XXXXXXXX This account is reporting a high balance of {$3000.00} on Transunion, but XXXX and XXXX are both reporting a balance of {$0.00}. The Last Verified date, according to Transunion, was XX/XX/XXXX, although XXXX and XXXX did not report. Furthermore, the Date of Last Activity for XXXX is XX/XX/XXXX, and for XXXX it is XX/XX/XXXX.
I believe that the creditor has violated the following sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : Section 623 ( a ) ( 2 ) : The creditor may have violated this section by reporting inaccurate information to the credit reporting agencies.
Section 611 ( a ) : The creditor may have violated this section by failing to verify information with the credit reporting agencies.
Section 605 ( a ) ( 3 ) : The creditor may have violated this section by failing to disclose the date of last activity on the account.
Section 312 ( a ) : The creditor may have violated this section by failing to provide accurate and complete information to the credit reporting agencies.
Section 312 ( b ) ( 1 ) : The creditor may have violated this section by failing to disclose the date of last activity on the account.
I am extremely frustrated with the impact that these inaccuracies have had on my life. Due to these errors, I have been denied credit, and I have been unable to secure financing for important purchases. As a result, I have had to pay higher interest rates and have been unable to make some purchases altogether.
It is imperative that these unverified collection accounts be removed from my credit report. I respectfully request that you take the necessary steps to enforce legal compliance and protect consumers like myself from these types of violations in the future.
XXXX XXXX XXXX has reported on my credit report. According to my credit report, XXXX XXXX has reported a high balance of {$5500.00} for both XXXX and TransUnion. However, XXXX and XXXX did not report this information. Additionally, the Last Verified date according to TransUnion was XX/XX/XXXX, but XXXX and XXXX did not report any verification.
XXXX XXXX has also failed to disclose the date of last activity on the account, violating Section 605 ( a ) ( 3 ) of the FCRA. Furthermore, XXXX XXXX may have violated Section 623 ( a ) ( 2 ) of the FCRA by reporting inaccurate information to the credit reporting agencies and violating Section 611 ( a ) by failing to verify information with the credit reporting agencies.
Under FACTA, XXXX XXXX may have violated Section 312 ( a ) by failing to provide accurate and complete information to the credit reporting agencies, and Section 312 ( b ) ( 1 ) by failing to disclose the date of last activity on the account. Additionally, XXXX XXXX may have violated Section 312 ( b ) ( 4 ) by failing to report the credit limit of the account.
These inaccuracies and violations have had a significant impact on my life. As a result of these errors, I have been denied credit and have had difficulty obtaining loans. This has caused undue stress and has made it challenging to provide for my family.
Therefore, I am requesting that XXXX XXXX remove these unverified collection accounts from my credit report immediately. I also request that XXXX XXXX take steps to ensure that accurate and complete information is reported to the credit reporting agencies in the future.
XXXX XXXXXXXX XXXX on my credit report. I believe that the creditor has violated several laws, including the FCRA and FACTA, in reporting this information.
According to my credit report, the account with XXXX XXXXXXXXXXXX XXXX has a high balance of {$6500.00}, whereas XXXX reports a balance of {$0.00} and XXXX reports a balance of {$5100.00}. Additionally, the credit limit for this account was not reported by XXXX, even though Transunion and XXXX recorded a credit limit of {$5100.00}.
Furthermore, there are discrepancies in the last verified dates and planting dates reported by the three credit bureaus. Transunion reports a last verified date of XX/XX/XXXX, while XXXX and XXXX report later dates. Additionally, XXXX 's planting date is listed as XX/XX/XXXX, which is earlier than the planting dates reported by the other two bureaus.
I believe that these discrepancies are a violation of several sections of the FCRA and FACTA. Specifically, the creditor may have violated : Section 623 ( a ) ( 2 ) : by reporting inaccurate information to the credit reporting agencies.
Section 611 ( a ) : by failing to verify information with the credit reporting agencies.
Section 605 ( a ) ( 3 ) : by failing to disclose the date of last activity on the account.
Section 312 ( a ) : by failing to provide accurate and complete information to the credit reporting agencies.
Section 312 ( b ) ( 1 ) : by failing to disclose the date of last activity on the account.
Section 312 ( b ) ( 4 ) : by failing to report the credit limit of the account.
This inaccurate information has had a significant negative impact on my life. As a result of these errors, my credit score has been negatively affected, making it difficult for me to obtain loans or credit. This has made it challenging for me to achieve my financial goals, such as buying a home or starting a business. It has also caused me significant stress and anxiety.
I request that the creditor remove these unverified collection accounts from my credit report, as they are inaccurate and a violation of the FCRA and FACTA. I also request that the CFPB enforce the legal provisions outlined above to ensure that creditors are held accountable for reporting accurate and complete information to the credit reporting agencies.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I requested proof that I was ever late pursuant to the following laws : 12 CFR 1026.13 - Billing error resolution.
( a ) Definition of billing error. For purposes of this section, the term billing error means : ( 1 ) A reflection on or with a periodic statement of an extension of credit that is not made to the consumer or to a person who has actual, implied, or apparent authority to use the consumer 's credit card or open-end credit plan.
( 2 ) A reflection on or with a periodic statement of an extension of credit that is not identified in accordance with the requirements of 1026.7 ( a ) ( 2 ) or ( b ) ( 2 ), as applicable, and 1026.8.
( 3 ) A reflection on or with a periodic statement of an extension of credit for property or services not accepted by the consumer or the consumer 's designee, or not delivered to the consumer or the consumer 's designee as agreed.
( 4 ) A reflection on a periodic statement of the creditor 's failure to credit properly a payment or other credit issued to the consumer 's account.
( 5 ) A reflection on a periodic statement of a computational or similar error of an accounting nature that is made by the creditor.
( 6 ) A reflection on a periodic statement of an extension of credit for which the consumer requests additional clarification, including documentary evidence.
( 7 ) The creditor 's failure to mail or deliver a periodic statement to the consumer 's last known address if that address was received by the creditor, in writing, at least 20 days before the end of the billing cycle for which the statement was required.
( b ) Billing error notice. A billing error notice is a written notice from a consumer that : ( 1 ) Is received by a creditor at the address disclosed under 1026.7 ( a ) ( 9 ) or ( b ) ( 9 ), as applicable, no later than 60 days after the creditor transmitted the first periodic statement that reflects the alleged billing error ; ( 2 ) Enables the creditor to identify the consumer 's name and account number; and ( 3 ) To the extent possible, indicates the consumer 's belief and the reasons for the belief that a billing error exists, and the type, date, and amount of the error.
( c ) Time for resolution ; general procedures.
( 1 ) The creditor shall mail or deliver written acknowledgment to the consumer within 30 days of receiving a billing error notice, unless the creditor has complied with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within the 30-day period; and ( 2 ) The creditor shall comply with the appropriate resolution procedures of paragraphs ( e ) and ( f ) of this section, as applicable, within 2 complete billing cycles ( but in no event later than 90 days ) after receiving a billing error notice.
( d ) Rules pending resolution. Until a billing error is resolved under paragraph ( e ) or ( f ) of this section, the following rules apply : ( 1 ) Consumer 's right to withhold disputed amount ; collection action prohibited. The consumer need not pay ( and the creditor may not try to collect ) any portion of any required payment that the consumer believes is related to the disputed amount ( including related finance or other charges ). If the cardholder has enrolled in an automatic payment plan offered by the card issuer and has agreed to pay the credit card indebtedness by periodic deductions from the cardholder 's deposit account, the card issuer shall not deduct any part of the disputed amount or related finance or other charges if a billing error notice is received any time up to 3 business days before the scheduled payment date.
( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges.
( 3 ) Acceleration of debt and restriction of account prohibited. A creditor shall not accelerate any part of the consumer 's indebtedness or restrict or close a consumer 's account solely because the consumer has exercised in good faith rights provided by this section. A creditor may be subject to the forfeiture penalty under 15 U.S.C. 1666 ( e ) for failure to comply with any of the requirements of this section.
( 4 ) Permitted creditor actions. A creditor is not prohibited from taking action to collect any undisputed portion of the item or bill ; from deducting any disputed amount and related finance or other charges from the consumer 's credit limit on the account ; or from reflecting a disputed amount and related finance or other charges on a periodic statement, provided that the creditor indicates on or with the periodic statement that payment of any disputed amount and related finance or other charges is not required pending the creditor 's compliance with this section.
( e ) Procedures if billing error occurred as asserted. If a creditor determines that a billing error occurred as asserted, it shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable; and ( 2 ) Mail or deliver a correction notice to the consumer.
( f ) Procedures if different billing error or no billing error occurred. If, after conducting a reasonable investigation, a creditor determines that no billing error occurred or that a different billing error occurred from that asserted, the creditor shall within the time limits in paragraph ( c ) ( 2 ) of this section : ( 1 ) Mail or deliver to the consumer an explanation that sets forth the reasons for the creditor 's belief that the billing error alleged by the consumer is incorrect in whole or in part ; ( 2 ) Furnish copies of documentary evidence of the consumer 's indebtedness, if the consumer so requests ; and ( 3 ) If a different billing error occurred, correct the billing error and credit the consumer 's account with any disputed amount and related finance or other charges, as applicable.
( g ) Creditor 's rights and duties after resolution. If a creditor, after complying with all of the requirements of this section, determines that a consumer owes all or part of the disputed amount and related finance or other charges, the creditor : ( 1 ) Shall promptly notify the consumer in writing of the time when payment is due and the portion of the disputed amount and related finance or other charges that the consumer still owes ; ( 2 ) Shall allow any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable, during which the consumer can pay the amount due under paragraph ( g ) ( 1 ) of this section without incurring additional finance or other charges ; ( 3 ) XXXX report an account or amount as delinquent because the amount due under paragraph ( g ) ( 1 ) of this section remains unpaid after the creditor has allowed any time period disclosed under 1026.6 ( a ) ( 1 ) or ( b ) ( 2 ) ( v ), as applicable, and 1026.7 ( a ) ( 8 ) or ( b ) ( 8 ), as applicable or 10 days ( whichever is longer ) during which the consumer can pay the amount ; but ( 4 ) XXXX not report that an amount or account is delinquent because the amount due under paragraph ( g ) ( 1 ) of the section remains unpaid, if the creditor receives ( within the time allowed for payment in paragraph ( g ) ( 3 ) of this section ) further written notice from the consumer that any portion of the billing error is still in dispute, unless the creditor also : ( i ) Promptly reports that the amount or account is in dispute ; ( ii ) Mails or delivers to the consumer ( at the same time the report is made ) a written notice of the name and address of each person to whom the creditor makes a report ; and ( iii ) Promptly reports any subsequent resolution of the reported delinquency to all persons to whom the creditor has made a report.
( h ) Reassertion of billing error. A creditor that has fully complied with the requirements of this section has no further responsibilities under this section ( other than as provided in paragraph ( g ) ( 4 ) of this section ) if a consumer reasserts substantially the same billing error.
( i ) Relation to Electronic Fund Transfer Act and Regulation E. A creditor shall comply with the requirements of Regulation E, 12 CFR 1005.11, and 1005.18 ( e ) as applicable, governing error resolution rather than those of paragraphs ( a ), ( b ), ( c ), ( e ), ( f ), and ( h ) of this section if : ( 1 ) Except with respect to a prepaid account as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs under an agreement between the consumer and a financial institution to extend credit when the consumer 's account is overdrawn or to maintain a specified minimum balance in the consumer 's account ; or ( 2 ) With regard to a covered separate credit feature and an asset feature of a prepaid account where both are accessible by a hybrid prepaid-credit card as defined in 1026.61, an extension of credit that is incident to an electronic fund transfer occurs when the hybrid prepaid-credit card accesses both funds in the asset feature of the prepaid account and a credit extension from the credit feature with respect to a particular transaction.
15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
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| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear Consumer Financial Protection Bureau, I am writing to report significant violations of consumer law by XXXX, XXXX of the credit bureaus responsible for maintaining accurate credit information. It is imperative that these violations are addressed promptly and appropriately.
Firstly, I want to emphasize XXXX 's troubling practice of deleting prior dispute results from their records. After the initial dispute investigations, XXXX has deleted derogatory information from my credit report. However, they have repeatedly failed to retain these deletion records, leading to the re-reporting of previously deleted accounts. This practice not only undermines the integrity of the dispute process but also violates the Fair Credit Reporting Act ( FCRA ) by misrepresenting accurate credit information.
I request that the Consumer Financial Protection Bureau ensures XXXX is held accountable for this practice and mandates the preservation of all dispute results and deletion records. It is crucial to maintain a comprehensive record of dispute resolutions for the sake of transparency and to prevent the re-reporting of previously deleted accounts.
Additionally, I kindly request that XXXX is instructed to provide me with a free updated copy of my credit report, including all prior dispute results on file. This will enable me to review the accuracy of the information and ensure that the necessary corrections have been made. It is my right as a consumer to receive this information, and XXXX must comply with this request in a timely manner.
Furthermore, I want to stress the importance of having only one name, one address, and one phone number on my credit report. Any additional names, addresses, or phone numbers that are not accurate or have been falsely associated with my credit file must be promptly removed. This action is essential to comply with the FCRA, which mandates the accurate reporting of consumer information and prevents the inclusion of inaccurate or fraudulent data.
I urge the Consumer Financial Protection Bureau to thoroughly investigate these violations by XXXX and take appropriate action to rectify the situation. It is crucial to ensure that XXXX adheres to consumer protection laws, upholds fair credit reporting practices, and respects consumers ' rights.
Thank you for your attention to this matter. I anticipate a swift resolution and the restoration of accurate credit reporting practices.
I am writing to bring to your attention the serious violations of consumer law committed by the credit bureaus, specifically XXXX XXXX XXXX XXXX XXXX, Trans Union XXXX XXXX, and XXXX. These violations include but are not limited to the following : Failure to comply with 15 USC 1692g Section 809 ( b ) - Request for validation : Under this section, I have the right to request validation of the alleged instruments of indebtedness. However, the credit bureaus have failed to provide me with the original loan documents containing my signature, as required by Section 609 ( a ) ( 1 ) ( A ) of the FCRA. They have only replied " VERIFIED '' in their response with no real proof, which do not fulfill the legal requirement for verification.
Inaccurate Reporting and Violation of 15 USC Section 1681e - FCRA Violation : The credit bureaus have reported inaccurate information on my credit file, which is a clear violation of 15 USC Section 1681e. This includes reporting fraudulent late payments, negative loan and credit card accounts, and unauthorized hard inquiries. These false and misleading representations are illegal under 15 USC Section 1692e.
Willful and Negligent Noncompliance with the FCRA and Consumer Law : Despite my previous dispute investigations that resulted in the deletion of derogatory information, the credit bureaus have continued to report inaccurate and unverified items on my credit report. This willful and negligent noncompliance with the FCRA is a violation of Section 616 and Section 617, which provide civil liability and remedies for consumers in such cases.
Violation of 15 USC Section 405 ( a ) - Reporting Deleted Information : According to 15 USC Section 405 ( a ), once information has been deleted as a result of fraud, it can not be reported again. However, the credit bureaus have persisted in reporting deleted accounts and hard inquiries, which is a clear violation of the FCRA.
Failure to Remove Unverifiable Information within 30 Days - Violation of FCRA : Under the FCRA, the credit bureaus have a legal obligation to promptly delete unverifiable information from my credit file within 30 days. However, they have failed to do so, which is a violation of the FCRA, FDCPA, and UCC 1-308.
Failure to Produce Alleged Instruments of Indebtedness, Inaccurate Reporting, and Violations of Consumer Laws To whom it may concern, I am writing to bring to your attention a concerning issue regarding the credit bureaus and their non-compliance with consumer protection laws. Specifically, XXXX XXXX XXXX XXXX XXXX, Trans Union XXXX XXXX, and XXXX have failed to follow consumer laws and have willfully denied conducting an adequate investigation by refusing to produce evidence. This letter aims to highlight the laws that have been violated by the credit bureaus and request immediate action to rectify the situation.
Under the Fair Credit Reporting Act ( FCRA ), I am a victim of identity theft, and I have enclosed a copy of the police report/identity theft report, along with a copy of my driver 's license, social security card, and proof of my current address, as evidence of my identity. I am requesting the removal and blocking of all other inaccurate alleged addresses on my credit file, as mandated by the FCRA. These inaccuracies must be promptly deleted.
I hereby request that you place an immediate block on the following fraudulent hard inquiries and inaccurate data on my credit file within XXXX days of receiving this correspondence. Once your investigation is complete, please send an updated report of my credit file to all secondary credit reporting bureaus, including XXXX, XXXX, XXXX XXXX, XXXX, CoreLogic, XXXX, XXXX XXXX, and XXXX XXXX, as well as any other entities you are affiliated with directly or indirectly. Kindly send the updated credit report to me at the provided mailing address, as well as to all lenders, banks, credit unions, and entities that have requested my credit file over the past 33 years, with proof of the timestamped delivery.
Furthermore, I request a fraud alert to be placed on my credit file. Only my address and phone number provided in this letter should appear on my credit file ; all other information is inaccurate and should be promptly deleted under the FCRA sections 619, 623, 15 U.S. Code 1602, 15 U.S. Code 1681, and 15 U.S. Code 1692c. It is important to note that according to 15 USC 1692e, you are legally prohibited from reporting anything that has been deleted as a result of fraud, including all closed accounts and hard inquiries, as this is considered false and misleading information. Furthermore, as per 15 USC 405 ( a ), fraudulent closed accounts must be blocked from my credit file, rendering 15 USC 405 ( b ) null and void. The credit bureaus ' continuous reporting of inaccurate information is a clear violation of the FCRA.
I must emphasize that I am a litigious consumer, and you are required under the FCRA to have a copy of the original creditor ( s ) documentation on file to verify the accuracy of the reported information. This documentation must include the original loan document with my signature and should not be a photocopy or duplicate. I have no knowledge of the accounts in question, and unverifiable information must be removed within 30 days ; failure to do so would constitute a violation of the FCRA, FDCPA, and U.S. and UCC 1-308. Despite multiple written requests, the unverified items listed below continue to remain on my credit report, in clear violation of federal law.
In accordance with my rights under the FCRA, I demand that the following accounts be verified with the original instruments of indebtedness or deleted immediately : XXXX XXXX : {$1200.00} XXXX : {$3900.00} XXXX XXXX XXXX : {$2100.00} XXXX Bank : {$1000.00} XXXX Bank : {$3200.00} Additionally, I have identified several fraudulent hard inquiries on my credit file that I did not authorize. The following are the inquiry dates and associated entities : XXXX XXXX ( Finance ) : XX/XX/XXXX XXXX XXXX XXXX ( FINANCE ) : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I urge you to delete and block all unverifiable information from my credit file within 30 days, as mandated by the FCRA. Any late payments reported on my credit file are illegal under 15 USC 1681a ( 2 ) ( A ) ( i ) and must be promptly deleted. Negative loan and credit card accounts are also illegal under 15 USC Section 1681 ( 2 ) ( B ). Furthermore, according to 15 USC Section 6802, I have the right to opt out of reporting from the alleged fraudulent accounts associated with these credit card companies.
It is essential to comply with the FCRA regulations and consumer law. I request that all documents related to your investigation be sent to my address for record-keeping purposes. Additionally, please provide me with an updated credit report in the mail, in accordance with FCRA statutes and regulations.
I kindly request that you promptly block and delete the fraudulent information mentioned above, as outlined in the FCRA sections 605 ( a ), 611, 613, 615, and 623 ( a ) ( 6 ). Failure to update my credit file with accurate information after this final attempt will result in all letters being mailed directly to the Consumer Financial Protection Bureau ( CFPB ). I will also file a formal complaint with the CFPB and consider pursuing litigation for the willful non-compliance with the FCRA and consumer law.
Please be aware that this is not a regular dispute ; I have already filed a complaint with the Federal Trade Commission ( FTC ) and a police report regarding my identity theft. Therefore, immediate action is necessary to rectify this situation.
Thank you for your attention to this matter. I look forward to a prompt and thorough investigation, followed by the appropriate actions to rectify the violations and update my credit file accordingly.
These examples demonstrate a systematic pattern of noncompliance with the FCRA and consumer law by the credit bureaus. Their actions have caused significant harm to my credit profile, making it essential for immediate action to rectify the violations and update my credit file accordingly.
I kindly request that the Consumer Financial Protection Bureau thoroughly investigate these violations and take appropriate measures to hold the credit bureaus accountable for their noncompliance with consumer protection laws. It is crucial to protect consumers ' rights and ensure fair and accurate credit reporting practices.
Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights under the FCRA.
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| 11/03/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable .Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX. The following personal information is incorrect 7. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXXXXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
8. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
9. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
11. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
12. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
13. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
14. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
15. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
17. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist ASAP.
XXXX XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
18. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report.
XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item.
19. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
20. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
21. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
22. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
23. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
24. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
25. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal dispute regarding multiple unauthorized credit inquiries that have been made on my credit report. I believe these inquiries are in violation of the Fair Credit Reporting Act ( FCRA ), specifically the sections detailed below. I kindly request your assistance in enforcing my legal rights and ensuring the accuracy of my credit report.
Unauthorized Inquiries : XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
TXXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX, XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Laws Violated : The unauthorized credit inquiries listed above potentially violate the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 604 : Permissible purposes for obtaining a consumer report.
Section 607 : Responsibilities of consumer reporting agencies to ensure the accuracy of consumer information.
Section 609 : Consumer 's right to request and dispute information in their credit report.
Section 611 : Procedures for disputing inaccuracies on credit reports.
Section 623 : Responsibilities of furnishers of credit information to investigate disputed information.
Personal Impact : These unauthorized credit inquiries have caused significant disruption in my life, extending beyond the financial realm. The uncertainty surrounding these inquiries has resulted in sleepless nights, persistent stress, and anxiety. I have always upheld responsible financial practices and have taken great pride in maintaining a positive credit history. The discovery of these unauthorized inquiries shattered my sense of security and exposed vulnerabilities I had never experienced before.
The emotional toll has been profound. I have been forced to allocate valuable time and energy towards rectifying a situation that I did not initiate. The fear of identity theft and the distress of navigating the complexities of unauthorized credit inquiries have been overwhelming, affecting not only my financial stability but also my mental and emotional well-being.
Request for Action : I respectfully request the following actions to be taken : Conduct a comprehensive investigation into the unauthorized credit inquiries mentioned above.
Notify the relevant creditors of the violations and demand the immediate removal of these unverified accounts from my credit report.
Ensure that my credit report accurately reflects my financial history by expunging all unauthorized inquiries.
In conclusion, I appreciate your attention to this matter and the opportunity to address these violations. The impact on my life has been deeply distressing, and I look to your expertise to facilitate a resolution that restores my peace of mind. I eagerly await your response and the subsequent steps towards rectifying this situation.
Thank you for your commitment to consumer protection.
Sincerely, XXXX XXXX
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| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am writing this dispute to report the following violations of the FCRA, FACTA, and TILA by the creditors whose names and account numbers are listed below : XXXX XXXX XXXX According to TransUnion and XXXX, the account type was reported as a revolving account, while XXXX reported it as a credit card. Additionally, there was a discrepancy in the dates last active between XXXX and TransUnion/XXXX. These inconsistencies are in direct violation of Section 607 ( b ) - Accuracy of Information, Section 607 ( c ) - Reinvestigations of Disputed Information, and Section 623 ( a ) ( 2 ) ( A ) - Duty to Provide Notice of Dispute to Furnisher of the FCRA.
Moreover, the creditors have also violated Section 312 - Free Annual Disclosure of Consumer Reports, Section 312 ( a ) ( 1 ) - Conditions for Annual Disclosure, and Section 312 ( a ) ( 2 ) - Time and Manner of Requesting Disclosure of the FACTA, as they have failed to provide me with a free annual credit report despite my requests.
I have carefully reviewed each report and found significant inconsistencies regarding the account information provided by XXXX XXXX XXXX , account number XXXX.
According to TransUnion and XXXX, the account type was reported as a revolving account, but XXXX reported it as a credit card. Additionally, TransUnion and XXXX reported that the account status was closed, while XXXX reported it as open. The reported balance was also inconsistent, with TransUnion reporting {$300.00} and XXXX and XXXX reporting {$270.00}. The last reported date also varied, with TransUnion reporting XX/XX/2023, XXXX reporting XX/XX/2023, and XXXX reporting XX/XX/2023. Finally, the dates last active were also reported differently, with TransUnion reporting XX/XX/2023, XXXX reporting XX/XX/2023, and XXXX reporting XX/XX/2023.
These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ) which requires accuracy of information, Section 607 ( c ) which outlines procedures for conducting proper reinvestigations of disputed information, and Section 623 ( a ) ( 2 ) ( A ) which mandates the duty to provide notice of the dispute to the furnisher. Additionally, the inaccuracies violate the Fair and Accurate Credit Transactions Act ( FACTA ), specifically, Section 312 which requires free annual disclosure of consumer reports, Section 312 ( a ) ( 1 ) which sets conditions for annual disclosure, and Section 312 ( a ) ( 2 ) which outlines the time and manner of requesting disclosure. The Truth in Lending Act ( TILA ) was also violated by failing to provide accurate and complete disclosure of the terms and conditions of the account, violating Section 164 which outlines additional disclosure requirements and Section 164 ( a ) which sets general disclosure requirements.
Specifically, the account with XXXX, account number XXXX, is being reported differently by the three credit reporting agencies. TransUnion and XXXX are reporting the account as a revolving account, while XXXX is reporting it as a charge card. Additionally, TransUnion and XXXX are reporting a monthly payment balance of {$38.00}, while XXXX is reporting {$44.00}. The last reported date and date last active are also different between the three agencies.
These discrepancies are violations of Section 607 ( b ), Section 607 ( c ), and Section 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act ( FCRA ). Section 607 ( b ) requires that CRAs maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumers ' credit reports. Section 607 ( c ) outlines the procedures that CRAs must follow when a consumer disputes the accuracy of information in their credit report. Section 623 ( a ) ( 2 ) ( A ) requires that CRAs notify furnishers of information when a consumer disputes the accuracy of information in their credit report.
XXXX XXXX # XXXX TransUnion reports that the account is a revolving account with a payment status of " paid or paying as agreed, '' while XXXX reports that it is a secured credit card with a current status but with three past due payments of 30 days. Furthermore, TransUnion did not report the number of months on the account, while XXXX did not report the terms of the revolving account. These discrepancies are violations of Section 607 ( b ) of the FCRA, which requires that credit reporting agencies maintain accurate and up-to-date information on consumers ' credit reports.
Additionally, the reporting of different last reported dates and different date last active dates by TransUnion and XXXX may be a violation of Section 607 ( c ) of the FCRA, which outlines the procedures that CRAs must follow when a consumer disputes the accuracy of information in their credit report. If I previously disputed these items and the CRAs did not properly investigate and correct them, it would be a further violation of this section.
Furthermore, the failure of both TransUnion and XXXX to provide notice of the dispute to XXXX XXXX # XXXX is a violation of Section 623 ( a ) ( 2 ) ( A ) of the FCRA. This section requires CRAs to notify furnishers of information when a consumer disputes the accuracy of information in their credit report.
XXXX XXXX is reporting different information to each of the three CRAs. TransUnion shows the account as a revolving account, while XXXX reports it as a secured credit card. Additionally, the reported monthly payment amounts differ between XXXX and TransUnion, and the last reported dates are different across all three CRAs. These discrepancies may be a violation of Section 607 ( b ) of the FCRA.
Furthermore, the payment status and past due status reported by the three CRAs are also different, which may be a violation of Section 607 ( c ) of the FCRA if these items were previously disputed and not properly investigated and corrected.
Additionally, it appears that the CRAs failed to provide notice of my dispute to the furnisher ( s ) of the information, which may be a violation of Section 623 ( a ) ( 2 ) ( A ) of the FCRA.
XXXX ( Account Number : XXXX ). According to all three credit bureaus ( TransUnion, XXXX, and XXXX ), I was 30 days late on XX/XX/XXXX, but I did not miss any payments on this account. This inaccurate reporting has severely impacted my credit score and has made it difficult for me to obtain loans or credit cards at reasonable interest rates.
I believe that the reporting of this late payment is a violation of Section 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) notify furnishers of information when a consumer disputes the accuracy of information in their credit report. If I previously disputed the late payment and the CRAs did not properly notify the creditor of my dispute, this may be a violation of Section 623 ( a ) ( 2 ) ( A ).
Additionally, there may be a violation of Section 611 ( a ) of the FCRA, which requires that CRAs investigate disputed information and either verify, correct, or delete it within a reasonable amount of time. If I disputed the late payment and the CRAs did not conduct a proper investigation or did not correct or remove the inaccurate information, this may be a violation of Section 611 ( a ).
Finally, there may be a violation of Section 607 ( b ) of the FCRA, which requires that CRAs maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumers ' credit reports. If the reported late payment is inaccurate and the CRAs did not take steps to ensure the accuracy of the information, this may be a violation of Section 607 ( b ).
XXXX XXXX ( account number XXXX ). I believe that this account has been reported inaccurately, and I request that the necessary steps be taken to correct this error.
According to my credit report from Transunion, the account status is listed as a collection account, with a payment status of seriously past due, assigned to a collection agency, attorney, or credit grantor 's internal collection department. However, I have never received any notification from XXXX XXXX regarding this collection account. I believe that XXXX XXXX has violated Section 623 ( a ) ( 2 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires that credit reporting agencies ( CRAs ) notify furnishers of information when a consumer disputes the accuracy of information in their credit report.
Additionally, I have disputed this collection account with the CRAs, and they have not conducted a proper investigation or corrected or removed the inaccurate information. I believe this is a violation of Section 611 ( a ) of the FCRA, which requires that CRAs investigate disputed information and either verify, correct, or delete it within a reasonable amount of time.
Furthermore, the reported credit limit balance is listed as {$0.00} on Transunion, and XXXX did not report it at all. The date last active was reported as XX/XX/2023 on Transunion and XX/XX/2023 on XXXX, which is contradictory. I believe this is a violation of Section 607 ( b ) of the FCRA, which requires that CRAs maintain reasonable procedures to ensure the maximum possible accuracy of the information in consumers ' credit reports.
Finally, I was not notified by the CRAs that this collection account was added to my credit report, which I believe is a violation of Section 605B of the FCRA.
According to XXXX, XXXX XXXX # XXXX reported a late payment on XX/XX/XXXX, but I have never missed a payment on this account.
I believe that XXXX XXXX and XXXX have violated several sections of the Fair Credit Reporting Act ( FCRA ), including : Section 623 ( a ) ( 2 ) ( A ), which requires that credit reporting agencies notify furnishers of information when a consumer disputes the accuracy of information in their credit report. If XXXX did not properly notify XXXX XXXX of my dispute, this may be a violation of Section 623 ( a ) ( 2 ) ( A ).
Section 611 ( a ), which requires that credit reporting agencies investigate disputed information and either verify, correct, or delete it within a reasonable amount of time. If XXXX did not conduct a proper investigation or did not correct or remove the inaccurate information, this may be a violation of Section 611 ( a ).
Section 605 ( a ), which requires that credit reporting agencies report accurate and complete information. If the reported late payment is inaccurate, this may be a violation of Section 605 ( a ).
Section 623 ( b ), which requires that furnishers of information conduct a reasonable investigation of disputed information and report the results of the investigation to the credit reporting agencies. If XXXX XXXX did not conduct a reasonable investigation of my dispute or did not report the results of the investigation to XXXX, this may be a violation of Section 623 ( b ).
These inaccuracies have had a significant impact on my life. I have been denied credit and financing, and I have had to pay higher interest rates and fees because of these false reports. As a result, I have had to delay important life events such as buying a home or starting a business.
I am requesting that XXXX XXXX and XXXX remove the unverified late payment from my credit report and take appropriate actions to ensure that this type of error does not happen again in the future.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX emails me to tell me I have a balance of {$4500.00}.
XXXX XXXX XXXX XXXX emails me to tell me I have not provided renters insurance. She says a {$50.00} fee was added to my account.
XX/XX/XXXX, XXXX XXXX XXXX emails me to tell me that I owe {$5700.00}.
XXXX XXXX I served XXXX XXXX XXXX with the Texas XXXX XXXX XXXX and all other standing orders by the Federal government as well. This order stated that XXXX XXXX could not evict ame during the time of the order which ended XXXX XXXX unless further extended. I sent XXXX copies to XXXX XXXX and to the staff email where all staff receives the emails and they were both marked as successfully sent. I did not hear back from any staff despite knowing they received it.
XXXX XXXX I received a knock at my door and XXXX XXXX was there to serve me XXXX notices to vacate. XXXX stated my lease was ending and they were not renewing it. It said they didn't want me to move to a month to month lease and that I had until XXXX XXXX to vacate the premises. The second notice was a notice to vacate yet stated that I was being served this notice to vacate due to non payment of rent, utilities and late fees. I asked XXXX XXXX if she received my standing order. She claims she did not. I told her that the emails stated they were sent successfully. She told me go resend them. What I feel was very telling was that in the standing order I served XXXX XXXX it stated that the standing order would be in effect if the monthly rent was less than {$2400.00}. I was paying a monthly payment of {$1000.00} in my lease. The notice to vacate stated that my month to month lease would increase from. {$1000.00} to ironically {$2500.00} a month. I feel that XXXX XXXX and XXXX XXXX did this to retaliate against me for serving them this order. XXXX XXXX and XXXX XXXX are a federally backed property who received a loan subsidy from the government. Due to this, there was certain requirements XXXX XXXX must comply with. Serving me notice to vacate despite me serving then the standing orders, not charging me late fees, and XXXX XXXX told me on this day, and I reference this many times in my emails as well, that even if I paid my last due rent I still would be evicted. Even XXXX XXXX said this herself in an email to me that I've attached as well, where she states if I choose to stay it will lead to an eviction which would add to my debt and not look good in my credit report.
I sent XXXX XXXX copies if the XX/XX/XXXX standing XXXX Order I had sent her previously and she coincidentally received these copies after I was served the notice to vacate.
XXXX XXXX XXXX XXXX XXXX me to tell me that I owe {$8100.00} and tells me that this will go on my credit report. She then states if I stay I'll get evicted which will look worse on my credit report and add to my debt. She then tells me it's in my interest to get a job. She told me I should reach out to rental assistance or churches. I replied telling XXXX I have a job and am a small business owner of an online store plus I'm a licensed XXXX. Both careers have taken a huge hit after pandemic and I survived XXXX in XX/XX/XXXX, am XXXX and have XXXX. I am high risk and had to shut down my business due to quarantine and my kids were home from XXXX until mid semester the following year. I told XXXX that I had applied for covid rental assistance and had just been notified I was chosen and that she should receive some info that the City of XXXX needs her to fill out and send back. She replied 'good to know '.
Since the XX/XX/XXXX expiration of the standing order was drawing near and that was all that was keeping me from XXXX XXXX filing an eviction against me and had been made clear I could not stay regardless I looked for low income housing and found XXXX that I certified for to show I was like income and made far below the XXXX. I had to wait to see if I would be accepted. During this time, the city of XXXX had contacted XXXX and asked her to send over all of what I owe in rent. XXXX XXXX sends into the City of XXXX that I owe as follows : {$1.00}, XXXX for XXXX {$1.00}, XXXX for XXXX {$1.00}, XXXX for XXXX {$2.00}, XXXX for XXXX A check was written for XXXX XXXX who accepted the money and I was told by the XXXX XXXX XXXX that I was paid up until XXXX XXXX.
I was also not informed that the standing order that I had served XXXX XXXX XXXXs and in which since they are a federally backed multi residence family property that they are encouraged to post the standing order where all tenants can see it and they are required to provide a copy if asked. The standing order was extended until XXXX XXXX and I was not made aware of my rights to stay in my home since I was the only tenant go my knowledge who served the standing order to XXXX XXXX. I had contacted a lawyer for Texas XXXX XXXX XXXX who was the one to inform me of the order.
XX/XX/XXXX, XXXX I informed XXXX XXXX XXXX the low income property accepted me and I had started to land that I could not afford to move out all at once. I would need to take things little by little and also by myself. I had no family and had been going through a hard time as well after losing both my parents in XXXX and XXXX. XXXX XXXX said she would have to put my move out date to XX/XX/XXXX and said she should receive my rent from rental assistance in the coming week.
XXXX XXXX Unaware of the standing order extension I informed the apartments I needed more time to move my things because my XXXX children, a set of XXXX who were XXXX at the time and I had been sick the entire XXXX holiday. The doctor had urged us to go get tested for XXXX and I provided the doctors notes to confirm this.
XX/XX/XXXX, XXXX I had received an email from XXXX XXXX who was very upset because the electric bill for my apartment had been charged to the apartments for the prior month. I told XXXX XXXX I had called the XXXX XXXX and scheduled to have the services disconnected from my apartment and that it must have not been done. I even sent her the confirmation from the electric company showing I had scheduled the disconnection. XXXX XXXX told me I needed to pay the {$51.00} electric bill immediately and also that I was being charged another violation fee of {$50.00} for no renters insurance. I told XXXX XXXX I sent her the renters insurance proof XXXX and to check her email and I also stated I was not going to pay any of the utility bill. I told her that in order to receive my apartment key at the new apartment I had to give my new landlord my XXXX XXXX XXXX customer account number or I could not move in. XXXX XXXX XXXX and XXXX XXXX seemed to forget that I was served a notice to vacate, I was told I could not stay regardless if I paid past due rent, they started charging me an extra {$1400.00} a month for an outdated apartment all while they accepted the rental assistance money which had specific requirements and still told me I couldn't stay. It was shocking for me to see how much they were really sticking it to me and doing so at a very financially, emotionally, and physically difficult time in my life.
To make matters worse I had no help moving and was recovering from a chest cold. As I told you I had XXXX, XXXX and my feet and arms had begun to swell. I asked for more time, once again unaware that the standing order that ended XX/XX/XXXX was extended, I was denied any more time. I was then locked out of my apartment and denied the right to get the rest of my things which include momentos, photos, and business inventory. I was also told that I owed over {$6000.00} in rent after I was just told by the City of XXXX that I had been paid up until XX/XX/XXXX. I called the police and filed a report. Then I asked for the ledger from XXXX XXXX, the head XXXX of XXXX XXXX I told her that XXXX XXXX XXXX had already informed me that XXXX XXXX had submitted all of what my rent was and it was paid in full. I was paid up until end of XXXX. Initially XXXX XXXX told me that the rental assistance funds were used to pay XXXX through XXXX 's rent and that with all the late fees they were tacking on now that I still owed {$6300.00}. XXXX XXXX also told me I was not going to get any more time to get my things. She then sent me the ledger and it shows that I was charged {$2500.00} for rent for XXXX plus a {$250.00} late fees and over {$1700.00} for rent for XXXX and also renters insurance which I had already provided twice to XXXX XXXX.
This was outrageous and XXXX XXXX and XXXX XXXX then did an illegal lockout of my apartment and wouldn't allow me back in. It was an illegal lockout because I still had the standing order that protected me and because XXXX XXXX said I could no longer stay there or I would be evicted. I called the police and filed a report. Then called XXXX management who owns XXXX XXXX and told them about this. I explained that this apartment also has been given funding by government backed loans and they must comply with the standing order plus have made their tenants aware of the standing order by placing it where it can be seen. None if this was done.
XXXX XXXX suddenly changed her tune and even though I was still locked out I was given entrance to gather my things. She was very nice to me suddenly and must have heard from higher ups.
I sent the XXXX of XXXX rental assistance an email asking them what were the months that they paid for me and what was it that the landlords were asked for. I was told that the XXXX XXXX XXXX had asked XXXX XXXX to send all of what I owed. I attached the email to this complaint. XXXX XXXX sent all of what I owed through XXXX and that what was was what was paid she then turns around after accepting the money and did not and was not honest with the city of XXXX when she submitted because of the fact that I was charged {$2500.00} in rent plus a {$250.00} late fee for the month of XXXX and then over {$1700.00} for XXXX and none of this was even told to me.
Given the fact that I had served that standing order and was still evicted, regardless the standing order protected me and extended my right to be iin that apartment until the end of XXXX.
The truly unethical part was that XXXX and XXXX made it clear I was being evicted and I have the emails I provided showing XXXX saying if I stayed I will get evicted. I knew the standing order was the only thing protecting me and yet I should of never been charged late fees under the standing order protection and then the landlords accepted the money from XXXX of XXXX then turned around and tacked on dishonest and incorrect charges to my account. Then when I showed XXXX and XXXX the email from XXXX XXXX XXXX XXXX contacts, saying she made a mistake when she submitted the rental fees and asked the City of XXXX how I could get the rest of my rental money. They did not respond and I was very embarrassed at her unprofessionalism. I do not owe this money period. I will fight this however high up I can because this was also quickly reported to credit bureaus who did not do a thorough investigation into my dispute. I want to know how legally this is allowed and I want this removed from my credit report. I have a right to sue as well for an illegal lockout and for taking the rental assistance money and still telling me I must leave regardless if I paid money or not. I have attached all documents. Thank you.
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| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account.
XXXX. Validate Inaccurate/Reported Late payment XXXXXXXX XXXX Account Number : XXXX Delete this account.
XXXX. Identity Theft XXXX Account Number : XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorizeXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX MOT Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. Identity Theft XXXX Account Number : XXXX Delete this account.
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
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| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Notice of FCRA Violations of Privacy Act of 1974 ; 15 USC 6802 OPT Out Notice and Disclosures Dear Consumer Finance Protection Bureau ( CFPB ), After careful reviewed of the Terms and Conditions in the under credit agreement of my account, XXXX XXXX failed to follow the agreement under The Privacy Act of 1974 : 5 U.S.Code 522a Violations ; per the Privacy Notice in the Terms and Conditions of the XXXX XXXX agreement XXXX, Transunion, and XXXX are all third party companies and non-affiliate companies by the definition included in the Terms and Conditions received from XXXX XXXX ; Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates Failure to provide reasonable means to Opt Out Opt Out Laws 12 CFR 1016.1-PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) iii ) Unreasonable opt out means. XXXX did not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
15 USC 6802 Violation ; Not Included or Provided-XXXX XXXX failed to provide reasonable means to opt out, neither-no initial opt out notice under 12 CFR 1016.4 Initial privacy notice to consumers as required and has never been received.
12 CFR 1016.7 Violation-Form of opt out notice to consumers ; opt out methods were never given to me resulting in violation of 15 USC 6805 backed by 16 CFR 313 for Opt Out Disclosures violations.
PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
Every company owes you a privacy notice before they furnish any information to our consumer report 12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods. Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt-out right.
( 2 ) Examples ( ii ) Reasonable opt-out means. You provide a reasonable means to exercise an opt-out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt-out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right ; or The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A CONSUMER 'S DIRECTION TO OPT OUT UNDER THIS SECTION IS EFFECTIVE UNTIL THE CONSUMER REVOKES IT IN WRITING OR, IF THE CONSUMER AGREES, ELECTRONICALLY 15 U.S.Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Once again XXXX XXXX must give me an opt-out notice for anything that is to be added to my consumer report.
15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law Request for Action : These violations are of significant concern and represent a serious breach of the regulatory requirements set forth by the Consumer Financial Protection Bureau ( CFPB ).
Pursuant to 15 USC 6802 ; 16 CFR 313, 16 CFR 433.1 ; 15 USC 1681 ; I respectfully request that XXXX XXXX take immediate action to correct these violations and to compensate the harm caused, I the consumer states : According to the Fair Credit Reporting Act 15 USC 1681 section 602 ( a ) states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Transunion, XXXX and XXXX are consumer reporting agencies and as the consumer, I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 604 ( a ) section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX failed to inform me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S.Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under 1681b of this title. Transunion, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " A consumer may exercise the right to opt out at any time. '' Per the FCRA, and as a Federally protected consumer, I am opting out of any and/or all reporting authorization that I, the consumer may have given, written, unwritten, verbal and nonverbal per 15 USC 6802.
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| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the accuracy of the credit report provided by XXXX XXXXXXXX XXXX ( XXXX ), as it contains numerous errors that have negatively affected my life. I am requesting that you take immediate action to enforce the legal requirements under the FCRA and FACTA.
First, I would like to highlight the specific violations of the law that have been committed by XXXX XXXX XXXX. According to the details you have provided : XXXX XXXX XXXX violated Section 607 ( b ) of the FCRA by failing to maintain reasonable procedures to ensure maximum possible accuracy of credit reports.
XXXX XXXX XXXX violated Section 611 ( a ) ( 1 ) ( A ) of the FCRA by failing to conduct a reasonable investigation into disputed information and report the results to the consumer reporting agency.
XXXX XXXX XXXX violated Section 623 ( a ) ( 2 ) of the FCRA by failing to promptly modify or delete inaccurate information in response to a dispute.
XXXX XXXX XXXX violated Section 312 ( a ) of the FACTA by furnishing inaccurate information to consumer reporting agencies.
XXXX XXXX XXXX violated Section 312 ( b ) of the FACTA by failing to establish and implement reasonable procedures to ensure the accuracy and integrity of information furnished to consumer reporting agencies.
XXXX XXXX XXXX violated Section 318 of the FACTA by failing to provide notice of negative information to consumers, including the date of delinquency.
XXXX XXXX XXXX violated Section 319 of the FACTA by failing to correct inaccurate information within 30 days of notice.
The inaccurate information reported by XXXX XXXX XXXX has had a devastating impact on my life. For example, the false reporting of two 30-day late payments has caused my credit score to plummet, which has made it difficult for me to secure loans, obtain affordable insurance premiums, and even rent an apartment. Additionally, the inaccurate account opening date, number of months, and last reported date have created confusion and further damaged my creditworthiness.
XXXX XXXXXXXX XXXX, has reported inaccurate information, violating multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ).
According to my credit reports from TransUnion, XXXX, and XXXX, there are inconsistencies regarding the status of the account, the date opened, the number of months, the last reported date, and the comments. Specifically, TransUnion reported the account as closed, while XXXX reported it as open, and XXXX reported it as paid. In addition, the dates opened and the number of months reported by TransUnion and XXXX differed from those reported by XXXX. Furthermore, the last reported date by TransUnion differed from those reported by XXXX and XXXX, and there were discrepancies in the comments reported by each agency.
These inconsistencies are clear violations of the following FCRA sections : Section 607 ( b ) The requirement to maintain reasonable procedures to ensure maximum possible accuracy of credit reports.
Section 611 ( a ) ( 1 ) ( A ) The requirement to conduct a reasonable investigation into disputed information and report the results to the consumer reporting agency.
Section 623 ( a ) ( 2 ) The requirement to promptly modify or delete inaccurate information in response to a dispute.
Furthermore, XXXX XXXX violated the following FACTA sections : Section 312 ( a ) The requirement to furnish accurate information to consumer reporting agencies.
Section 312 ( b ) The requirement to establish and implement reasonable procedures to ensure the accuracy and integrity of information furnished to consumer reporting agencies.
Section 318 The requirement to provide notice of negative information to consumers, including the date of delinquency.
Section 319 The requirement to correct inaccurate information within 30 days of notice.
This inaccurate information has had a significant negative impact on my credit score and my ability to obtain credit. For example, I have been denied loans and credit cards with favorable terms, and I have been charged higher interest rates due to the inaccuracies on my credit report.
XXXX XXXX XXXX Specifically, I am concerned about the incorrect information that they have reported on my credit report, which has affected my ability to obtain credit and loans.
I would like to bring to your attention the following violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) : FCRA Section 607 ( b ) - 15 U.S.C. 1681e ( b ) : The requirement to maintain reasonable procedures to ensure maximum possible accuracy of credit reports.
FCRA Section 611 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The requirement to conduct a reasonable investigation into disputed information and report the results to the consumer reporting agency.
FCRA Section 623 ( a ) ( 2 ) - 15 U.S.C. 1681s-2 ( a ) ( 2 ) : The requirement to promptly modify or delete inaccurate information in response to a dispute.
FACTA Section 312 ( a ) - 15 U.S.C. 1681j ( a ) : The requirement to furnish accurate information to consumer reporting agencies.
FACTA Section 318 - 15 U.S.C. 1681c-2 : The requirement to provide notice of negative information to consumers, including the date of delinquency.
FACTA Section 623 ( a ) ( 5 ) - 15 U.S.C. 1681s-2 ( a ) ( 5 ) : The requirement to notify the consumer of any action taken by the furnisher of information resulting from an investigation of a dispute.
The information provided by XXXX XXXX on my credit report is inaccurate and incomplete. For instance, the opening date of the account and the high credit balance differ between the TransUnion and XXXX credit reports. Additionally, the payment status of the account is listed as a charge-off, which is incorrect since I never received any notice from XXXX XXXX regarding this charge off account. Furthermore, they never provided me with any paperwork related to this account, and the other credit bureaus did not report any negative information on my account.
XXXX XXXX XXXX and Credit Bureau Associates , and they are in violation of several laws, including the FCRA and FACTA.
First, XXXX has reported an inaccurate payment status as charge off without proper notification or paperwork, which is a violation of FCRA Section 607 ( b ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, XXXX has failed to maintain maximum possible accuracy of my credit reports, which is another violation of FCRA Section 607 ( b ). They also reported an inaccurate high credit balance, which is a violation of the same section of the law.
Secondly, Credit Bureau Associates has violated FACTA Section 312 ( a ) by failing to furnish accurate information to consumer reporting agencies. They have also failed to provide notice of negative information to consumers, including the date of delinquency, which is a violation of FACTA Section 318. In addition, they have violated FACTA Section 623 ( a ) ( 5 ) by failing to notify me of any action taken by the furnisher of information resulting from an investigation of a dispute.
XXXX XXXX XXXX regarding my account. The credit reporting agencies have reported different information regarding my account, including the Account Type Detail, Date Opened, high credit balance, credit limit, Last Reported date, and Comments.
I would like to bring to your attention that XXXX XXXX has violated several sections of the FCRA and FACTA. Specifically, XXXX XXXX has violated Section 607 ( b ) of the FCRA by failing to maintain reasonable procedures to ensure the maximum possible accuracy of my credit report. Moreover, XXXX XXXX has violated Section 611 ( a ) ( 1 ) ( A ) of the FCRA by failing to conduct a reasonable investigation into the disputed information and report the results to the consumer reporting agency. Furthermore, XXXX XXXX has violated Section 623 ( a ) ( 2 ) of the FCRA by failing to promptly modify or delete inaccurate information in response to my dispute. Additionally, XXXX XXXX has violated Section 623 ( a ) ( 5 ) of the FCRA by failing to notify me of any action taken by the furnisher of information resulting from an investigation of my dispute.
XXXX XXXX has also violated Section 312 ( a ) of FACTA by failing to furnish accurate information to the consumer reporting agencies. Moreover, XXXX XXXX has violated Section 318 of FACTA by failing to provide me notice of negative information, including the date of delinquency.
XXXX XXXX account with account number XXXX. According to the credit report, XXXX has reported the payment status as a charge-off, but I have never received any notification regarding this charge-off account from them. Additionally, they have never provided any paperwork to me, and the other two credit bureaus did not report any negative information on my account.
I believe that XXXX has violated the Fair and Accurate Credit Transactions Act ( FACTA ) Section 318, which requires creditors to provide notice to consumers when negative information is added to their credit report, including the date of delinquency. By reporting the payment status as a charge-off without providing any notice or paperwork to me, XXXX has failed to comply with this section of the law.
dispute the accuracy of the credit report provided by XXXX and XXXX. After reviewing my credit report, I noticed discrepancies in the reporting of information between the two credit bureaus, specifically with regards to the account number XXXX, which is being reported by XXXX XXXX XXXX as an unverified collection account.
According to XXXX, the last reported date for this account is XX/XX/XXXX, while XXXX is reporting the last reported date as XX/XX/XXXX. Additionally, XXXX is showing the last active date as XX/XX/XXXX, while XXXX is reporting the last active date as XX/XX/XXXX. These discrepancies raise concerns about the accuracy and reliability of the information being reported by the creditor.
As per the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and up-to-date information to the credit bureaus. If there are discrepancies in the reporting of information between different credit bureaus, it could be a violation of the FCRA. Additionally, if the creditor is reporting incorrect information such as the date of last activity or last reported date, this could also be a violation of the FCRA.
This inaccurate information on my credit report is having a significant negative impact on my life. I have been denied credit multiple times due to this inaccurate information, making it difficult for me to secure loans, obtain a mortgage, or even get a credit card. It has also caused me significant emotional distress, as I have been constantly worried about my financial future and how this will affect my ability to support myself and my family.
I urge you to investigate this matter and enforce the legal provisions of the FCRA to
ensure that the credit bureaus and the creditors are providing accurate and reliable information. I also request that XXXX XXXX XXXX remove this unverified collection account from my credit report until they can provide evidence that it is valid and accurate.
Thank you for your pr
ompt attention to this matter.
Sincerely, XXXX XXXX
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| 01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XXXX my account was placed int oa forbearance status due to COVID-19. As of XXXX XXXX XXXX XXXX lists one sub-account as being paid on-time for XX/XX/XXXX. The second sub account lists a XXXX payment as late by thirty ( 30 ) days and Both sub accounts are due on the same day of each month. I have received zero bills since forbearance was initiated. I have confirmation of being placed in forbearance as of XXXX XX/XX/XXXX.
The notion that I may somehow be able to retrieve an electronic bill even if I do not receive a bill in the mail presupposes that I have access to the internet at all times. It takes no note that I may not have internet access due to service interruptions caused by late payments due to loss or delay of financial deposits on account of the pandemic. Furthermore, CFPB statutes and enforcement require that a bill be mailed to me each month as a part of right of notice under due process. No notice can be received if the bill never reaches me. Further, a bill that is " generated '' but never mailed by XXXX XXXX. does not suffice as notice. Finally a bill that is generated outside of the established billing period, per the first bill, is not allowed under CFPB statutes and enforcement.
Now, this mismanagement of account information by XXXX XXXX is not new. On XXXX XX/XX/XXXX, XXXX XXXX XXXX responded to XXXX XXXX complaints XXXX, XXXX, XXXX and XXXX. To date XXXX XXXX has offered me no relief for improper billing practices, nor relief for improper credit reporting. In fact, XXXX XXXX contends that XXXX XXXX is provided accurate information both to myself and the CRAs. XXXX XXXX concurs with my assertion regarding the timing of my first bill, " Your first payment for loan account XXXX XXXX and XXXX was XX/XX/XXXX. On XX/XX/XXXX, a monthly billing statement was mailed to your attention, which stated your payment due date would be XX/XX/XXXX. '' However, he switches tactics when addressing all subsequent statement generation dates and instead refers to the date a payment is due, " On XX/XX/XXXX, your monthly billing statement was mailed showing your payment due date of XX/XX/XXXX. On XX/XX/XXXX, your billing statement was mailed showing the payment due date of XX/XX/XXXX. On XX/XX/XXXX, you billing statement was mailed showing the payment due date of XX/XX/XXXX. On XX/XX/XXXX, your billing statement was mailed showing the payment due date of XX/XX/XXXX. I have enclosed copies for your review. '' He then excoriates me stating, " our statement was mailed on XX/XX/XXXX, allowing you more than a 20-day notice before your first payment due date, as we provide our customers coming out of a loan forbearance additional time to make payment arrangements for their loan accounts. '' To further his point he writes regarding my MPN signed with a now defunct banking institution, " 'I am not relieved of my responsibly and obligation to make such payments if I do not receive billing statements, and any other written payment notices from you. ' XXXX XXXX is tacitly attempting to provide an explanation as to why it is acceptable for XXXX XXXX to be non-compliant with Consent Order XXXX and violate the CFPB interpretation of 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, effectively claiming that while XXXX XXXX did not generate and provide me statements per Federal Law, their failure has no bearing on my payment history, status of my account, etc, because I am supposed to blindly make payments without consistent generation of statements. Effectively asserting, flaunting of federal law has caused no harm to me as a consumer even if their billing practices are illegal under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction. Now, under 12 CFR Part 1026 ( Regulation Z ) 1026.2 Definitions and rules of construction, while there is a permissible variance to account for weekends, holidays, and differences in the number of days in months, billing cycles MUST BE EQUAL. In this context equal requires that the actual date of EACH statement not vary by more than four ( 4 ) days from a fixed day or date. The interval between the statement with date XXXX XX/XX/XXXX and the next subsequent statement generated on XXXX XX/XX/XXXX clearly falls outside the statutory definition of equal as applied to billing cycles for my student loans. Again XXXX XXXX asserts that I have not been harmed. XXXX XXXX then goes on to assert that my payment history is accurate and provides dates from his computing system sowing when payments were made. In fact he is so confident with the screen XXXX from the system which he uses for such data that he closed out complaint XXXX. Contrary to XXXX XXXX 's claim of reported payment history only furnished to the CRAs for XX/XX/XXXX, XXXX XXXX is currently reporting history thru XX/XX/XXXX, which as stated in XXXX is causally impossible given XXXX XXXX 's acknowledgment of the due date of the twenty-seventh ( XXXX ) of each month. That is XXXX XXXX is reporting history thru XXXX XX/XX/XXXX, when the date of this complaint is XXXX XX/XX/XXXX. So, contrary to XXXX XXXX 's claim regarding no harm to me as a consumer for their illegal billing practices, I have been harmed. The inconsistency in their statement generation as established by the first ( 1st ) billing statement generation on XXXX XX/XX/XXXX, and their second statement generation date on XXXX XX/XX/XXXX falls outside of the established date of XXXX day of each month and the harm caused by such is reflected in their system reporting causally impossible payment history to the CRAs. For example, XXXX XXXX is supplying information to at least one ( 1 ) of the major three ( 3 ) CRAs in which my payment history goes from being reported to on-time for XX/XX/XXXX and XX/XX/XXXX, to suddenly being reported sixty ( 60 ) days past-due. XXXX XXXX XXXX 's statement to the CRA on XXXX XX/XX/XXXX are clear in that my first payment was not due until XXXX XX/XX/XXXX. So it is logically impossible that my payments would be suddenly past-due sixty ( 60 ) days for the period of XX/XX/XXXX. Nevertheless, XXXX XXXX is reporting the inaccurate history to XXXX and XXXX. This is in obvious contradiction to what Ms. XXXX XXXX claims XXXX is reporting to the CRAs. Moreover, XXXX is supplying payment history claiming that I am thirty ( 30 ) or more days late for the month of XXXX when the date for neither the payment due XXXX XX/XX/XXXX, nor the payment due XXXX XXXX would be thirty ( 30 ) days past-due -- today is XXXX XX/XX/XXXX. If this was a simple reporting error caused by the system of a single CRA, it would be one thing. Clearly this is inaccurate and unverifiable information that is being reported to at least all three ( 3 ) major CRAs. The somewhat seriousness, but hilarity in all of this is that there is a specific portion of XXXX XXXX 's response that acknowledges consent order violations, " We appreciate your concern about the Consumer Financial Protection Bureau XXXX CFPB XXXX announcement ; we are taking all appropriate steps to remedy the concerns. Your feedback is very important to us. We hope to have a future opportunity to meet and exceed your service expectations.We are deeply committed to serving you and your financial needs. It is important for you to know that making things right and restoring the faith you have in us is the very top priority for our entire XXXX XXXX leadership team. Nothing is more important than for you to experience the very best from us moving forward. '' So XXXX XXXX acknowledges that XXXX XXXX is in violation of XXXX and that XXXX XXXX is taking steps to remedy the non-compliance I pointed out. However, despite the illegal billing practices in violation of XXXX, and outside what is permissible under statute, XXXX XXXX will do nothing to ameliorate the harm they have already caused me due to inaccurate reporting of payment history. These practices are not new, as the CFPB has issued consent orders in the past for this same behavior from XXXX XXXX, specifically citing the following violations : ( 1 ) unfair and deceptive practices related to payment allocation in violation of Sections 1031 and 1036 of the Consumer Financial Protection Act of 2010 ( CFPA ), 12 U.S.C. 5531, 5536 ; ( 2 ) unfair practices related to payment aggregation in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 ; ( 3 ) unlawful practices related to payment aggregation in violation of Section 623 of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 2 ), and Section 1022.42 of Regulation V, 12 C.F.R. 1022.42 ( a ) ; and ( 4 ) unfair practices related to the assessment of late fees in violation of Sections 1031 and 1036 of the XXXX, XXXX U.S.C. XXXX, XXXX. Per CFPB consent order XXXX, the negative account information that XXXX XXXX is submitting to the CRAs is incorrect and must be immediately removed. At the end of the day, XXXX XXXX is doing a dance. On one hand they admit they are outside of what is statutorily permissible. However, they insist that no harm has been done because " I still have to make payments on my student loans. '' They fail to understand that the mysterious change in statement generation date between the first two ( 2 ) consecutive statements of XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, presents itself causally impossible payment history thru XXXX XX/XX/XXXX that is supplied thru eOSCAR to the CRAs. Each time I attempt to dispute this fact with XXXX, XXXX, and Transunion, XXXX XXXX 's computing system supplies the same erroneous information. The bottom line is that errors in XXXX XXXX 's own systems has caused consistent damage to my credit files since XX/XX/XXXX. Any reasonable company would take efforts to correct the situation to make me whole. XXXX XXXX appears not to want to do such. To date XXXX has not stated they will fix the problem regarding the supply of causally impossible payment history to the CRAs for my student loans. So it would seem that XXXX will continue to cause harm to me as a consumer, and perhaps other consumers, with full knowledge that they are doing such, while providing no relief to me. On one hand, XXXX XXXX is will to partially acknowledge the errors, but then on the other hand claim that they are reporting factually accurate payment history, and seeking to deflect away from their own behavior by quoting a clause within my loan origination documents that they acquired from a now defunct banking institution. While the clause in the loan origination document is amorphous at best in that I may still owe the alleged amount on a loan, Mr. XXXX XXXX 's claim that the clause excuses XXXX compliance with federal statute is absurd. The CFPB 's interpretation of 12 CFR Part 1026 ( Regulation Z ) 1026 is clear. XXXX XXXX is not absolved of compliance to consent orders/ consent decrees, nor shields XXXX XXXX from the CFPB 's enforcement of applicable statute. XXXX XXXX is exhibiting behavior that is non-compliant with XXXX and is admitting they are in violation of 12 CFR Part 1026 ( Regulation Z ) 1026. XXXX XXXX appears content not to correct the problems with the information they are supplying to the CRAs and thus are indifferent to the harm they have caused and will continue to cause to me as a consumer.
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| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Account reporting on my credit report is not mine and I did not authorize those accounts. Transition, XXXX and XXXX failed to protect my identity and let fraudulent activities occur without informing me. below I listed accounts that is current unauthorized that's reporting on my credit report.
XXXX TransUnion XXXX XXXX Account XXXX : XXXX Account Type : Revolving Account Type - Detail : Charge account Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1000.00} No. of Months ( terms ) : XXXX High Credit : {$1000.00} Credit Limit : {$0.00} Past Due : {$1000.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Charged off account Charge Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX Account Type : Open Account Account Type - Detail : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$1700.00} No. of Months ( terms ) : XXXX High Credit : {$1700.00} Credit Limit : {$0.00} Past Due : {$0.00} Payment Status : Late 120 Days Last Reported : XX/XX/XXXX Comments : Collection account Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX BANK XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$2600.00} {$2600.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$0.00} {$2600.00} Credit Limit : {$1500.00} {$0.00} Past Due : {$2600.00} {$2600.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX US DEPT ED TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$6000.00} {$6000.00} {$6000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Student loan permanently assigned to government Student loan permanently assign to government.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
Paid collection Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX US DEPT ED TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$4500.00} {$4500.00} {$4500.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Student loan permanently assigned to government Student loan permanently assign to government.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
Student loan assigned to government Paid collection Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX US DEPT ED TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3500.00} {$3500.00} {$3500.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Student loan permanently assigned to government Student loan permanently assign to government.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
Student loan assigned to government Paid collection Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX US DEPT ED TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$6000.00} {$6000.00} {$6000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Student loan permanently assigned to government Student loan permanently assign to government.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
Paid collection Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX US DEPT ED TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Educational Bureau Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$6000.00} {$6000.00} {$6000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Student loan permanently assigned to government Student loan permanently assign to government.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
Student loan assigned to government Paid collection Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX US DEPT ED TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational Collection Bureau Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$4500.00} {$4500.00} {$4500.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Student loan permanently assigned to government Student loan permanently assign to government.
Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
Paid collection Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1700.00} {$1700.00} No. of Months ( terms ) : - - High Credit : {$1700.00} {$1700.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - Two-Year payment history XXXX, XXXX & XXXX ( XXXX Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$5500.00} {$5500.00} No. of Months ( terms ) : - - High Credit : {$5500.00} {$5500.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Consumer disputes this account information Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXXXXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$27000.00} {$27000.00} {$1700.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
Account transferred or sold Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Bank XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion
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| 06/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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TransUnion has the wrong social security number listed on the file for me and because of this they are not able to provide me with my credit report. I spoke to a TransUnion Supervisor on XX/XX/XXXX & I was told to send them a copy of my social security card with a written statement giving them permission to correct their error. I started to think & conclude that since they have the wrong social security number on file & have known it is the wrong social security number on file & have not tried to contact me to resolve this issue but instead TransUnion let this issue carry on for only XXXX knows how long. Then that credit bureau has been reporting incorrect or no information which affects my TransUnion credit score & overall XXXX score. TransUnion has robbed me of loans, credit cards, renting a home, purchasing of a home, getting furniture on credit, job opportunities, startup of a business & anything else that I would need to use my TransUnion credit score & XXXX score. What TransUnion has done is a violation of the Fair Credit Reporting Act ( FCRA ) & in violation of the Consumer Financial Protection Bureau ( CFPB ) of which I should be momentarily compensated. This has been very disturbing to me. I have not been able to sleep well at night, Im up for hours worrying instead of getting a full nights rest so I can function well the next morning for work. I have also been very XXXX XXXX XXXX. This whole ordeal has taken a mental & physical toll on me.
The timeline of events in chronological order explaining what occurred, beginning when I first discovered the issue started on XX/XX/XXXX. When I tried to pull my TransUnion Credit report on the TransUnion website. I forgot my login information so when I tried to retrieve my Username & Password. The website kept directing me to create an account so when I tried to create an account, I received an error message ( TransUnion Error Message 1 PDF ) stating that my account already exists. This kept happening a couple of times until I received another error message ( TransUnion Error Message 2 PDF ) stating that the Identity Verification Failed & shortly after I received another error message ( TransUnion Error Message 3 PDF ) stating that the Identity Authentication was Unsuccessful. I then started to get frustrated because I provided all the information that was asked for from me. I honestly can't remember exactly what that information was but it was my personal information & that information was correct so that was when I decided to contact TransUnion 's Customer Service using the phone number provided in the 3rd error message ( XXXX ). I spoke with a Customer Service Representative who transferred me to someone else after I explained my problem. Then that Customer Service transferred me to another Customer Service Representative who then transferred me to a supervisor. I was then told by the supervisor that the reason why my account can't be verified is because they have another social security number on file for me. He then proceeded to tell me to fix this I would need to email him a copy of my social security card & a written statement giving TransUnion the permission to correct the error in their system. I did not feel comfortable with giving my information to the TransUnion Supervisor so I told him that I would need to contact my attorney to get advice on how I should proceed. Then I ended the call.
The next time of event was XX/XX/XXXX. I went on the TransUnion website again & tried to log on, but I received the same error message, so I called TransUnion again to speak with Customer Service. This time I was not transferred to a supervisor. The Customer Service Representative told me that my account is locked so they need to verify my identity & to do so I would need to email them a copy of my driver 's license. I asked why I still need to verify my identity when I used their authenticator to be verified? I was told that they must verify everyone. If TransUnion didn't have a copy of your credit report. They would need to verify the customer by getting a copy of their driver 's license or I could wait 72 hours to see if they received a copy of my credit report & if they received it. They will then be able to verify me using my credit report. She then told me that the latest date that my credit report has been updated was unknown because she didn't have access to review or see that date. I then told her that when I talked to a supervisor on XX/XX/XXXX. I was told that the reason why I needed to verify my identity is because TransUnion had a different social security number on file for me than what I was providing them. I then told her that the supervisor told me that I needed to email TransUnion a copy of my social security card & a written statement giving TransUnion permission to correct the mistake in their system. I then asked her what are the social security numbers that are on file? She told me that there is one social security number beginning with XXXX & the other beginning with XXXX so there's one number off in the social security number. She then told me that the other dates I called TransUnion were on XX/XX/XXXX XXXX XX/XX/XXXX. I told her that I remember the conversation on XX/XX/XXXX but I don't remember calling them on XX/XX/XXXX. Later that day I remembered a text conversation on XX/XX/XXXX & I still have that text conversation if CFPB needs that information as well. The TransUnion Customer Service Representative continued to tell me that the social security number beginning with XXXX is currently on file. The social security number beginning with XXXX has a note that was made on XX/XX/XXXX & the reason why I called TransUnion on XX/XX/XXXX was because I couldnt create an account online & I wanted to dispute it. She continued to tell me that each dispute has a number. I then asked the customer service representative what the dispute number is, but she did not have that answer. I also asked her how long they have had the social security number starting with XXXX & XXXX on file, but she did not have that information either. I also asked the customer service representative when the last time my credit report was updated. She did not have that information either but to verify my identity I can email my driver 's license to : XXXX.
On XX/XX/XXXX, I went on the AnnualCreditReport.com website & was able to get a copy of my XXXX Credit Report. TransUnion gave me an error message " Unable to Complete Identity Verification. '' That is an attachment as well. XXXX did not display a credit report. There was just a blank screen. Also, on XX/XX/XXXX, when I visited XXXX my XXXX credit report is listed as N/A & the Credit Score History has nothing listed in the 3-month, 6 month & 1 year timeframe. I believe there was a problem with XXXX as well.
The next time of event was on XX/XX/XXXX. I went on XXXX & there I'm able to pull my full credit report for TransUnion. This credit report has the same information as XXXX & that information from XXXX is correct. The only difference is that TransUnion has my credit score as XXXX & XXXX has my XXXX XXXX as XXXX. Also, TransUnion has my name spelt incorrectly twice. The two misspellings are listed as : XXXX, XXXX, XXXX & XXXX XXXX. When I tried to get the XXXX credit report on XX/XX/XXXX, using the AnnualCreditReport website. I received an error message stating that I already received a free report. The website states that " During this period of economic uncertainty, managing your financial health is important. That's why XXXX, XXXX and TransUnion are continuing to offer free weekly online credit reports. '' I then logged onto the XXXX website & retrieved my credit report. Everything looks correct except for the spelling of my name. XXXX has my name spelt XXXX XXXX. On XX/XX/XXXX I tried to get my XXXX credit report off the Annual Credit Report website again, but I received the attached error message, stating to Please give them a call.
I called TransUnion again on XX/XX/XXXX because I finally emailed them a copy of my drivers license ( front & back ), social security card ( front & back ) as well as a copy of my XXXX XXXX XXXX ( utility bill ). I spoke to another Customer Service Representative who told me that my information should take 5 business days to be verified so I waited until XX/XX/XXXX when I had to speak to another TransUnion Supervisor. She verified that there were 2 credit reports on file. One with the social security number starting with XXXX that had information on it & the other credit report starting with XXXX which was a blank credit report. She said that my name was also spelt wrong & to fix this I would need to speak to the XXXX XXXX XXXX. However, that department was closed at the time, so I called back the next day and spoke to a Supervisor from the XXXX XXXX XXXX. However, he had to transfer me to one of his supervisors because he was.
having computer problems. I was then transferred to XXXX XXXX with the XXXX XXXX # XXXX. I explained to XXXX XXXX about everything that has transpired and that it has been well over 5 days since I submitted my information to verify my identity, but nothing has been resolved. XXXX XXXX then asked me some questions & proceeded to correct my social security number, address, phone number and spelling of my name & I believed my employer while I was on the phone with him. He said that I would receive a copy of my TransUnion credit report in the mail within 7 days. Also, I would have online access to my credit report within XXXX to XXXX hours. As on today, XX/XX/XXXX. I still dont have online access with TransUnion. I have not received a copy of my TransUnion Credit Report in the mail, but I am finally able to pull my TransUnion credit report off AnnualCreditReport.com. As of today, I can also view my credit report on the XXXX website. The only thing I see that is incorrect with XXXX is my Personal Information. XXXX has my name is spelt XXXX XXXX, but it should be spelt XXXX XXXX.
I believe that my Consumer Rights have been violated so I appreciate any and everything that you are able to do for me. I have been suffering mentally & physically during this ordeal. I barely sleep at night. I don't have much of an appetite. I try to eat but normally end up throwing the food away because I feel sick to my stomach from all the stress and worrying, I've been doing. I'm even starting to feel XXXX because I started a new company called XXXX XXXX, XXXX. but I can't get my new company up and running since I don't believe that my credit report has been correctly reported so my credit score & history is lower than it should be & has errors that should not be on my credit report. This causes me not to be able to apply for personal or business credit or loans because my credit score is too low. I've also been denied purchasing furniture on credit. Since I can't get personal or business credit or loans, I've applied for better paying jobs of which I believe I robbed from having a better opportunity because of the falsified credit reporting. All of this has caused a mental & physical tool on my mind, body & spirit. I believe that I'm at my wits end, but I do appreciate your time, patience & any help that you are able to provide. Thank you & XXXX bless.
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| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Ive reached out to XXXX/TRANSUNIONXXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/TRANSUNION/XXXX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/Transunion/XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley .Ive reached out multiple times to all three of the consumer reporting agencies about fraudulent inquiries and fraudulent accounts. One is with Account name XXXX Account number XXXX Date opened XX/XX/XXXX XXXX $ XXXX XXXX as of XXXX XXXX for the amount of {$4800.00}. The other bank is XXXX for XX/XX/XXXX for the amount of {$1100.00}, I am aware that my Social Security number belongs to the Social Security administration . I never did a XXXX form giving consent for anyone to use my Social Security number. I have did a FTC report I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts.VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agency XXXX Account number XXXX Date opened XX/XX/XXXX Balance $ XXXX accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above. My only Phone number is ( XXXX XXXX XXXX Delete any and all other phone numbers. 1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section.
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| 10/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXXXXXX XXXX XXXX XXXX Transunion Attempted to do it on Website /Declined it ( see proof attached ) Disputed by Mail TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Transunion once again Failed to Complete my Disputes and correct my Credit report File Number : XXXX I- Request for Proof or Immediate removal of the Collection account in my credit report in Compliance Credit Reporting Laws and Regulations II- Notice of Formal Dispute The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you Transunion are required initiate and complete a thorough investigation and to provide me ALL information, Documentation and proof gathered during your investigation ) on this inaccurate account It has been over 85 days since my first dispute and 60 days from my second dispute of this False /inaccurate / improper / derogatory information on my credit report with Transunion In accordance with the Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients.
Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information : Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below you Transunion have violated my rights under 15 USC 1681 602 states I have the right to privacy pursuant to 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1666 b Transunion may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
In accordance with Disclosures to consumers [ 15 U.S.C. 1681 et seq, I request that the information regarding this account be Verified by Transunion with ALL documents requested below or Removed Information on file ; sources ; report recipients.
Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you Transunion are required to provide me ALL relevant information Documentation and proof gathered during your investigation Pursuant to FCRA section ( a ) ( 6 ) ( b ) ( ii ) if you choose Not to remove this disputed information than you are required to provide notice of your decision and include ALL documents used during the investigation Transunion Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Transunion Repeatedly failed to provide an option for me to dispute the incorrect personal information onLine, thus costing me additional money ( paper, ink, mailing fee, postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Report Number XXXX Transunion resistance was to my phone and email and website disputes : Since names, addresses and employers don't affect your credit score, consider disputing only clearly incorrect personal info, as opposed to small spelling errors.
****Please Remove his Inaccurate information as being in Dispute from my credit report Immediately XXXX XXXX XXXX XXXX Please DELETE Account # XXXX Balance {$1400.00} Please DELETE I have no knowledge of this collection account XXXX Failed to Validate this debt .Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act ( FDCPA ) Supporting Document File Size Document Type Attached XXXX Dispute Dollars XXXX CFPB XXXX XXXX XXXX Other relevant documentation Transunion FAILED and once again REFUSED to remove account from my credit report even though Creditor failed to Validate this debt Transunion FAILED and once again REFUSED to provide any of the documents listed below : ****Pursuant to 15 usc 1692g Please Provide proof and ALL documentation for your in depth investigation on this Inaccurate information/Account or Remove it from my credit report Immediately, Including but not limited to : 1-My signature on the contract for this debt 2-Chain of title for this debt 3-Chain of title that gives XXXX XXXX legal authorisation to collect on this debt 4- Detailed list of the payment history made by me on this account 5- Any and ALL insurance claims filed on this debt 6-Original signed contract that shows I am responsible for this debt 7- My credit application for this debt 8- Provide verification and documentation about why this is a debt that I am required to pay To XXXXXXXX XXXX 9- Proof that you have the legal authority to collect on this debt 10- Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
The amount and age of the debt, including : 1-A copy of the last billing statement sent to me by the original creditor.
2-State the amount of the debt when you obtained it, and when that was.
3-have there been any additional interest, fees or charges added since the last billing statement from the original creditor, 4-provide an itemization showing the dates and amount of each added amount.
5-In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
6- have there been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
7- have there been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect.
8- Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
9- provide proof when this debt became delinquent.
10- Provide proof of statute of limitations expiration for this debt, and how you determined that.
Details about your authority to collect this debt.
1-Does your firm have a debt collection license from my state? If not, say why not. If yes, 2-provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
3-If you are contacting me from a place outside my state, does your firm have a debt collection license from that place?
4-If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Pursuant to 5U.S.C. 552 a ( i ) ( 3 ) i am requesting this disputed item to be removed from my credit report Immediately Since you have failed to comply with 5U.S.C. 552 a ( i ) ( 3 ) by failing to maintain my records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall Not use such record Transunion FAILED and once again REFUSED to remove the account from my credit report even though creditor Failed to Validate it In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
****Please Remove this debt from my credit report Immediately What would be a fair resolution 1- Transunion to provide all above described documents Immediately 2- If Transunion does not provide above documents to validate this debt Transunion to remove Immediately this negative improper inaccurate derogatory information from my credit report 3- Transunion be held accountable for - Inaccurate, false statement made in my credit report and refusing to remove them upon dispute - Damaging my reputation with the derogatory statements and refusing to remove them upon dispute - Punitive damages 4- Transunion be held accountable for refusing and failing to investigate provide the above documents after my complaint with CFPB and responding to this complaint without resolving /validating / providing documents above described necessary to validate the debt 5- Transunion be fully investigated and held accountable for praying on senior citizens like myself defrauding senior citizens like myself and getting away with it by not providing the documents as required to validate the False debt and removing false /inaccurate / improper / derogatory information from my credit report Sincerely, XXXX XXXX Phone : XXXX XXXX XXXX Notice of Formal Dispute I am writing to formally dispute Inaccurate information as presented in credit Reports Generated by you. I am currently disputing the validity and accuracy information listed below and demand that you either provide all the necessary documentation as required by tFCRA and the consumers right laws, or DELETE the inI I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Report Number XXXX XXXXPlease Remove his Inaccurate information as being in Dispute from my credit report Immediately XXXX XXXX XXXX XXXX Please DELETE Account # XXXX Balance {$1400.00} Please DELETE I have no knowledge of this collection account XXXX Failed to Validate this debt .Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act ( FDCPA ) Supporting Document File Size Document Type Attached XXXX Dispute Dollars XXXX CFPB XXXX XXXX KB Other relevant documentation Transunion in Violation OF Fair Credit Reporting Act Transunion is in Violation of my Rights as consumer as described under Fair Credit Reporting ACt Transunion is obligated by law to provide my personal information accurately and truthfully ***I demand that you either provide proof and validate the inaccurate personal information listed above or DELETE them Immediately from my credit report ***In the absence of providing the requested documentation, I demand that you DELETE them Immediately from my credit report I appreciate your attention to this matter and your prompt response. If you have any questions or need further clarification, please do not hesitate to contact me at the phone number or email address provided above.
Sincerely, XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl, XXXX Phone : XXXX XXXX XXXX
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| 04/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is notice to TransUnion, XXXX and XXXX, that XXXX XXXX XXXX XXXX, are attempting to report a loan modification as of XX/XX/XXXX. Which is out of the California statute of limitations. California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.
XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX are falsely and illegally stating that a loan modification had been attempted by the homeowners listed herein. There is no credit history of such and therefore is fraud and must be blocked. The home owners have dealt with this in the past and all three credit bureaus have deleted this information over and over. XXXX. has lied and stated that In your inquiries, you stated that the account has been paid in full and you included a document titled Tender of Payment Offering as proof of that payment. However, this document is not legal tender and is insufficient. It appears your intent for sending this document was to secure a release of your lien. To that extent, XXXX considers the document to have no legal validity, and believes presentation of this document constitutes an improper attempt to satisfy the obligation under the loan documents. As we have rejected DENIED this document for payment purposes, a satisfaction of the lien will not be recorded. XXXX requires funds in legal U.S. tender ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge. They stated that this is not a legal currency when in fact it is US Currency and lawful money or legal tender. This is to inform XXXX XXXX XXXX XXXX that this is US Legal Tender as stated " The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Thus the agency must fine XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for this false statement which is perjury! XXXX XXXX XXXX XXXX, has presented on behalf of XXXX XXXX XXXX XXXX XXXX a fraudulent document. The Document alleges that we the home owners signed a loan modification XX/XX/XXXX to a home loan as of XX/XX/XXXX. The documents are newly created and have upset the homeowners to an extent of new lawsuits taking place and being filed. The document presented as a loan modification has never been seen before this day and time XX/XX/XXXX XXXX. In fact if the agencies receiving this document look and see the signatures don't match the ones forged on the home loan alleged to be done and signed on XX/XX/XXXX we will attached a signature analysis to prove that point. As well when the home owners requested that the Banks involved including XXXX whom does not legally exist as a mortgage company was asked to present these documents over ten years ago.
XX/XX/XXXX by a XXXX XXXX a customer assistance specialist, whom stated in a letter that we were in default and that they could offer a loan modification on that date so where did the XXXX XXXX document come from? Please advise! This letter from XXXX XXXX a customer assistance specialist days after a request for loan documents verification and variation was requested by the home owners on XX/XX/XXXX stating by the manager XXXX XXXX. Validation - Does not qualify by way of a letter in the mail dated XX/XX/XXXX when a foreclosure sale date is set for XX/XX/XXXX. The laws or home owners bill of rights state ; Restriction on dual track foreclosure : Mortgage servicer are restricted from advancing the foreclosure process if the homeowner is working on securing a loan modification. But the loan modification presented was forged and fraud. When a homeowner completes an application for a loan modification, the foreclosure process is essentially paused until the complete application has been fully reviewed. This never happened! Also the home owners learned of the sale from their neighbors and the website realty.com Not from a letter alleged by XXXX
Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.
Verification of documents : Lenders that record and file multiple unverified documents will be subject to a civil penalty of up to {$7500.00} per loan in an action brought by a civil prosecutor. Lenders who are in violation are also subject to enforcement by licensing agencies, including the Department of Business Oversight, the Bureau of Real Estate. Also the notice of foreclosure and sale must happened 120 days before and there are no signatures of confirmation for such information thereto the home owners at that location. Nor on record with the county of XXXX XXXX Registrar of Deeds.
Enforceability : Borrowers will have authority to seek redress of material violations of the new foreclosure process protections. Injunctive relief will be available prior to a foreclosure sale and recovery of damages will be available following a sale. ( AB 278, SB 900 ) Tenant rights : Purchasers of foreclosed homes are required to give tenants at least 90 days before starting eviction proceedings. If the tenant has a fixed-term lease entered into before transfer of title at the foreclosure sale, the owner must honor the lease unless the owner can prove that exceptions intended to prevent fraudulent leases apply. ( AB 2610 ) Tools to prosecute mortgage fraud : The statute of limitations to prosecute mortgage-related crimes is extended from one to three years, allowing the Attorney Generals office to investigate and prosecute complex mortgage fraud crimes. In addition, the Attorney Generals office can use a statewide grand jury to investigate and indict the perpetrators of financial crimes involving victims in multiple counties.
Tools to curb blight : Local governments and receivers have additional tools to fight blight caused by multiple vacant homes in their neighborhoods, from more time to allow homeowners to remedy code violations to a means to compel the owners of foreclosed property to pay for upkeep. ( AB 2314 ) The California Homeowner Bill of Rights marked the third step in Attorney General XXXX response to the states foreclosure and mortgage crisis. The Mortgage Fraud Strike Force was created in XX/XX/XXXX to investigate and prosecute misconduct at all stages of the mortgage process. In XX/XX/XXXX, Attorney General XXXX secured a commitment from the nations five largest banks for up to {$18.00} billion for California borrowers.
Also the XXXX XXXX County Registrar of Deeds the seller and or alleged buyer must settle the Mechanics lien in the amount of {$2.00}, Its important to know that there is a statute of limitations for filing a lien in California. Californias mechanics lien foreclosure deadline ( the date when a lawsuit must be filed to enforce the lien ) is one of the quickest in the country. Liens must be foreclosed within 90 days from the date the lien was filed.Therefore, its a good idea to immediately take steps toward collecting on the lien. If you remain unpaid, it may be time to make arrangements to foreclose the lien.
California has a statute of limitations of four years for all debts except those made with oral contracts. For oral contracts, the statute of limitations is two years. This means that for unsecured common debts like credit card debt, lenders can not attempt to collect debts that are more than four years past due.
Handwriting expert shows the signatures does not match the home owners, No credit history with XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, No such loans are listed on Homeowners credit history past or present.
The homeowners submitted a tender of payment as directed by XXXX XXXX XXXX XXXX employees whom spoke with the home owner on or about XX/XX/XXXX, she stated that the payments hadn't been received due to being mailed to the wrong address, so she suggested the address of XXXX XXXX XXXX XXXX. Attention. Remittance Over Night Ad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. They said that the payment could be in a money order coupon or check. The payment was received and XXXX XXXX NA XXXX XXXX or XXXX XXXX XXXX are a FHA lender and are a XXXX XXXX Bank, whom can received the Tender Of Payment. The Federal Emergency Relief Act of 1933 states that The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) I also feel that they have stated falsely that i have somehow committed a crime by making this payment of this type.
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| 09/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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These inquiries are on my credit report and I did n't authorize. I have disputed with transunion and XXXX more than 3 times.
TRANSUNION XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from 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XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from 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XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX Inquiry from 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XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX, Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX
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| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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I truly can't believe the after the what must be hundreds of hours on the phone, writing letters, checking reports, faxing, email snail mailing, certified mailing.. that in the end, after two years of being an identity theft victim I find myself ready to finally just throw my hands up and say " forget it. '' over a hundred dollars a month in reporting fees to stay on top of the never ending on slot of fraud that hits my reports regularly. I pay for XXXX premium report, XXXXXXXX XXXX Premium, Transunions Premium, XXXX XXXX Premium and XXXX Premium. And no.. its not because I am crazy or obsessive or love having my credit score be the sole fixation of my life.
It's because the credit bureaus are actively fighting back on a daily basis against my legitimate paperwork, the facts they can not deny and the knowledge I have developed about how each on of them play their games to block you from being able to recover fully from anything so that you have to keep paying them to ensure you havent let anything slip by.
In the two years of fighting fraudulent applications, nonstop inquiries, fraudulent loans that are somehow taken out on a social security number I have been told numerous times by people in the industry " has been deleted from public record '' I just don't know what else to do. Persistence has literally aged me at least a decade.. my feet swell from sitting in a chair so long at work and then the rest of the night writing statements like this one, my wife and XXXX have to constantly endure a life absent of me while I mount a never ending battle against those that determined to see us destitute . And even if I were to use every word I know to convey this to a credit bureau agent, whether is be by phone, certified letter, fax or upload- and believe me I do all four.. they seem so desensitized by the day to day attempts at thwarting the system that they are failing an active participating family hard.
My daughter and I almost died due to a XXXX XXXX just before XXXX last year- we immediately served our landlord with a fix or quit letter who immediately served us with a lawsuit. That seems to be the running theme of the world lately, total, disgusting, unconscionable, completely devoid of morals or empathy and a complete lack for the well-being of anyone but themselves and theirs.
Well it just so happens that this apartment complex was also ground zero for my wife and I 's major credit issues. We moved into, at the time what we believed to be a " neat '' thing '' Smart Apartment. It came with a router preinstalled for the smart features and a big perk was cable and internet being ready to go upon move in. One " perk '' we were unaware of was the hacker that had taken over that router- whether previous tenant or one of the many short term business stays they took in.. This hacked for 6 months we came to find out, had our computers completely taken over and logged, our phones, our wallets ... even our credit reports I am pretty sure as XXXX still has never bothered to investigate how inquiries were allowed to penetrate one of their freezes.
So with that being said- and believe me if that is 300 words- that is 290 more words than the credit bureaus agents let me get out before hanging up on me or cold transfering me to an unmonitored voicemail box. I get the feeling when I am speaking with these agents that they do not believe a word of what I am saying as I am always met with such anger, callousness, straight hatred when I even mention the acronym FCRA or the world Block. They always cut me off and file 90 day disputes no matter what I say or the fact that I have 4 police reports, 4 FTC reports and mountains of supporting documents that I have sent them. And yes it is ridiculous to have 4 police reports.. It should be clear that if I have one FTC report and one Police report for " Identity Theft '' that clearly there is going to be more identity theft than what is mentioned at the time of the police report.
I have had to obtain 4 or 5 of each when it has come to 6 months to a year of battling fraudulent data that I just can't get them to follow the law on. They actively screen my calls- whatever they see when they open my report instantly changes the tone of their voice and I have received 1 or 2 letters that pretty imply I am lying. That a sane person would definitely apply for the same XXXX XXXX credit card 13 times in a row in a two week period.
And you know what I can deal with all of that- they want to treat my familys future like a game.. then FINE i'll play the game even though its rigged. But I dont know how to play if I can't see the board. And that is what it has come to. It started with Transunion in XXXX of XX/XX/XXXX My report stopped updating, I stopped receiving the notifications that I paid a fortune for. I spent countless hours on the phone with the " Special Handling Fraud '' team and their online team as they sent ticket after ticket " up '' which never came back with any answer as to why it access to my report was slowly fading away.
I soon after learned that due to something totally unrelated and equally insane.. that my wife and I had been " deleted from public record '' due to XXXX XXXX XXXX entering our information into what one of their employees called " their master brain computer '' incorrectly. They entered me and my wife in as " Cust1 '' and " Cust2 '' when we went into to change providers, devices and phone numbers due to the hacker that was harvesting our data on our old ones. So now.. to this day.. I can no longer be verified FOR ANYTHING. My family has been stuck living in a hotel room since last XXXX through a Pandemic because of identity theft, the credit bureaus and of all entities.. XXXX XXXX XXXX XXXX
SO I legitimately believed that this was causing an issue with my TransUnion report and I spent months trying to convince them of this.. I eventually and still do think I have a split file.. In fact their online team insists that I do while the only team I am allowed to discuss my report with- also the team that is in office the least and the least accessible, the " specialized fraud team '' states that I do not. Well now it has gotten so bad that XXXX XXXX, XXXX, TransUnion themselves, etc.. I can not view my report on any of the sites normal people can. All sites either say error or that I do not have a file or do not have enough history to have a file.. I am XXXX I definitely do.
Well its gotten to the point where my own bank can't even identify me, XXXX by my social and when attempting to open a personal account, even though I had four business accounts with them- they couldnt do it without a credit check and me coming in to a bank. In doing so- I was stalled for days because there was no way to remove the free that had been put on my report. I log into my paid profile and there is no info there and it just says " Freeze Status Unknown.. '' I call the number put in my pin it says there is an issue an hangs up. I talk to a rep and they cant help me because only the specialized handling team can and they arent in until Monday.
I could go on for days about how bad this has actually gotten for me but I literally have to move on to another credit issue after this one and I still haven't even gotten a chance to sleep yet tonight and its XXXX.
So I finally after no joke 3 hours of trying, 4 hang ups, 2 we do not have a direct line to the United States, 4 long and serious identity checks of which all are passed.. I finally get to this team today. The guy couldn't care less and doesn't understand why I am not just satisfied with fixing whatever problem of the day is wrong with my report. He then goes on to tell me that MY REPORT HAS BEEN BLOCKED THE ENTIRE TIME ON PURPOSE BY TRANSUNION. The infuriates me.. They have no idea how much time, money, effort and my whole freaking life for the last 2 years I have put in to getting my family out ahead of this.
And not only did they perpetrate this false issue with my report for over 6 months and drive me absolutely mad, put strain on my marriage, my XXXX life, my health.. But they charged me {$24.00} a month to do it. This agent remained short and when I asked questions that made perfect logical sense just stuck to his script. " My credit report was blocked online for my own protection due to fraud '' and " no there is no one that can unblock it. '' According to him my only was of obtaining my report is to spend three hours attempting to get ahold of that exact department any time I sense fraud because they aren't even allowed to tell me whether or not there is anything derogatory on it or not.
I am AN IDENTITY THEFT VICTIM I am the one that needs to see it regularly. Blocking me from it while still allowing others to dictate it and use it against me and my family should be and I am pretty sure IS AGAINST THE LAW.
His only response was to ask me if I would like him to mail me out one- to which I attempted to explain to him that besides the fact that what he is saying is insane and clearly just a method for Transunion to not have to deal with identity theft victims because their whole deal is selling PERSONAL information.. but as we are unable to rent or buy a home due to creditworthiness I DONT HAVE A PERMANENT ADDRESS AND THEREFORE NEVER RECEIVE THE REPORTS WHEN THEY SEND THEM. In fact our address has been officially changed so many times now by someone other than us that my wife and I, despite having a PO BOX do not receive ANY MAIL AT ALL. NONE. So them sending my reports out to whatever address they have put on my file this week is not helping.
Whats worse is now all three reports have started to do it. The ONE ONE I can still even see ( because I pay A LOT for it ) is XXXX ) and they wont let me dispute anything, upload documents, or do anything outside of look at the fraud hitting my report daily anymore. Now their agents act like every inquiry that is fraudulent and or every inaccurate detail needs its own FTC and Police Report attached or they out right refuse to do anything.
This last round of Police and FTC reports to address accounts that have been left to sully my reports for months have all been faxed and certified mailed in and I have confirmed been received.. and despite them removing transunion claiming ( because I can not see it ) to remove all of the fraudulent information- 2 collections and 1 fraudulently opened and delinquent account, XXXX who manages to grab a snapshot every couple months or so.. just reported that they did in fact remove all of that.. which should mean my report is 100 % derogatory free.. great credit mix, great payment history, decent debt to income ration ( 48 % ) considering.. yes I still only have a XXXX credit score. How is this?
XXXX and XXXX.. yea they just completely ignored all of the documents and all I can do is keep sending them until someone with a soul responds. This needs to be fixed immediately my family deserves a home of our own. It has eaten away at every bit of our savings and I fear what we are heading to with wrecked ( or non existent/hidden ) credit scores, no savings and no access to credit. I really do.
Please Help- this is XXXX me.
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| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In accordance with the Fair Credit Reporting Act, the listed account below has violated my federally protected consumer rights to privacy, confidentiality and accuracy under 15 U.S.C. 1681.
XXXX account number : XXXX XXXX of 2020, XXXX reported an inaccurate 30 days late payment notice to XXXX, XXXX, and TransUnion consumer credit bureaus. This late payment was disputed by the borrower and XXXX deemed this late pay to be inaccurate, and removed this report from all three credit consumer bureaus. They did not remove this late payment report from the co-borrower consumer credit report which was also reported to XXXX, XXXX, and TransUnion consumer credit bureaus. XXXX disputed this report directly to XXXX and was verbally promised the error would be corrected. When it was not removed from XXXX, TransUnion, or XXXX consumer credit bureaus, consumer opened disputes with each consumer credit bureau through their procedural channels. XXXX confirmed the late pay and a note of consumer disagreement was added to the consumer credit report of each consumer credit bureau, and was removed as promised by XXXX, and as had been removed for XXXX.
Therefore, XXXX has violated the federally protected consumer rights as stated in : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the XXXX disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate. Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) In general. Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably deter- mines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
59 611 - 15 U.S.C. 1681i 611 - 15 U.S.C. 1681i ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice. A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standard- ized form describing the general nature of such informa- tion.
( 4 ) Consideration of consumer information. In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the 60 person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer. If any information that has been de- leted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
( 6 ) Notice of Results of Reinvestigation 61 611 - 15 U.S.C. 1681i 611 - 15 U.S.C. 1681i ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the comple- tion of the reinvestigation, by mail or, if authorized by the con- sumer for that purpose, by other means available to the agency.
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or complete- ness of the information; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumers file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; 62 ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumers right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumers file after the deletion, not later than 5 business days after making the deletion.
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| 12/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Dear CFPB : I am hoping that you can help me get some relief. I have been inaccurate and unverified information that is continuing to being reported by XXXX, TransUnion, and XXXX on my credit reports. I have also disputed these inaccurate/unverified items directly with the creditors. While some inaccuracies were corrected, some still remain. I have been trying to prepare to purchase my first home, and these inaccuracies are KILLING my credit scores, are holding me back from home ownership. I have even called EACH of the bureaus on NUMEROUS occasionsno easy task! I have spent a great deal of time and money ( another hard task as a single mom, solely supporting her children, and working very long hours! ) trying to get these bureaus to follow the laws dictated in the FCRA/FDCPA that protect consumers like me from this, and I ABSOLUTELY CAN NOT BELIEVE how easily the bureaus blatantly disregard them! I believe I have done my job as a consumer, and am being ignored over and over. Therefore, I am hoping you can help meI really can not afford the time or money for an attorney, but if you recommend that route, I guess I will have to. I have tried to include as much evidence as possible, but if there is ANYTHING else I can get to you, please let me know!
Here is the situation : I started disputing with XXXX TransUnion, AND XXXX after seeing several inaccurate, incomplete unverified, and erroneous accounts they are reporting on my credit report. I requested that they correct the accounts to report ACCURATELY, verify the information they are reporting, provide proof of their results, and correct each violation or delete it off my credit report.
The bureaud did NOT protect my rights as a consumer by complying with the reporting requirements SPELLED OUT FOR THEM in the FCRA/FDCPA. Their negligent non-compliance is causing me unnecessary harm and damage. Below you will find the specific accounts, with specific details of all of the violations and inaccuracies : XXXX : 1. XXXX XXXX XXXX/Acct # XXXX- # XXXX I have disputed this inaccurate information with XXXX directly on XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX XXXX see attachment 1 ) and I also disputed directly with the company, too- for the following inaccuracies and violations : The type of account being reported is INACCURATE ( see comments ) ; there is no current status ; no reported date of last activity ; and no reference to original creditor, nor address for me to dispute directly with original creditor ; the date of first delinquency is inaccurate as well, and there is no past due amount owed. ( See attachment 2 and 7 ) As remedy, I would like this account removed and blocked from reporting on my credit report since they are continuing to report false information 2. XXXX XXXX XXXX/Acct XXXX In the same dispute letters on XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX XXXX- see attached, attachment 1 ) and I also disputed directly with the company for this account, too ) I disputed another account for similar inaccuracies and violations : The type of account is WRONG ( see comments ) ; there is no current status ; no reported date of last activity ; and no reference to original creditor, nor address for me to dispute directly with original creditor ; the date of first delinquency is ALSO inaccurate as well, and there is no past due amount owed. ( See attachment 3 and 9 ) I would ALSO like this account removed entirely for the numerous inaccuracies and violations of both the bureau, and the creditor/collector.
TransUnion : I then reviewed my TransUnion report, found more inaccuracies and violations, disputed on similar dates : XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX-see attachment 4 ) and they too have supposedly investigated and verified the inaccurate information on the following accounts : 3. XXXX # XXXX I repeatedly disputed the inaccuracies reporting in the payment history, which TransUnion allegedly verified as accurate.. How can I go from paying on time to 60 days late the next monthit doesnt make sense! And how does the account have a payment status of current The account was closed and transferred in XXXXdoesnt it have to be marked as transferred?!? ). How is the payment status even current? Also, the date updated never changed, PROVING they never even investigated this! ( see attachments 5 and 6 ) Another VIOLATION!
I would like all the late payments removed from this account, or the entire account removed completely.
4. XXXX # XXXX I encountered a similar situation with this account, also disputed on : XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXXsee attachment 4 ) TransUnion is continuing to reporting inaccurate late payments that they supposed verified as accurate, an inaccurate date of last activity, and an erroneous current account status, yet the date updated never even changed, PROVING they failed to even investigate!! ( see attachments 5 and 6 ) I would like all the late payments removed from this account, or the entire account removed completely.
In those same disputes, dated XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX-see attachment 5 ) I disputed MORE inaccurate information which TransUnion continues to verify and report as accurate 5. XXXX XXXX/ # XXXX**** The balance is inaccurate, and so is the date of last activity! ( see attachments 7 and 8 ) TransUnion is reporting a date of last activity of XX/XX/XXXX, XXXX is reporting a date of last activity of XX/XX/XXXX, and XXXX is reporting one of XX/XX/XXXX. ( See attachment 9 ) Obviously, they are trying re-age this account! I have also disputed the past due amount ( how is there a past due amount on a collection to begin with?!? ) I am asking to have this account removed for the numerous inaccuracies and violations, mainly for continuing to willfully and recklessly report false information when notified of the errors, and their failure to correct it!
6. XXXX XXXX/ # XXXX**** In those same dispute letters dated XX/XX/XXXX, XX/XX/XXXX ; and XX/XX/XXXX ( sent certified mail, receipt number : XXXX-see attachment 4 ), I disputed this account for an inaccurate different date of last activity, inaccurate balance, a past due amount and inaccurate payment status, yet they CONTINUE to verify it as accurate! ( see attachment 8 and 9 ) I would also like this account removed ENTIRELY for continuing to willfully and recklessly report false information when notified, and their failure to correct it!
I also disputed the following collection accounts with TransUnion ( sent certified mail, receipt number : XXXX-see attachment 4 ) 7. XXXX XXXX XXXX XXXX # XXXX** 8. XXXX XXXX XXXX XXXX # XXXX* 9. XXXX XXXX XXXX XXXX # XXXX** I definitely do not EVER RECALL having accounts with the reported original creditor. ( see attachment 11 ) After TransUnion verified these accounts as accurate, I asked for the method of verification they used to determine the accuracy of their reporting, ( which was on XXXX XXXX, XXXX ) and sent another letter to them disputing the fact that a past due amount is even reporting on a collection account. I STILL have not received a single document, verifying the accuracy of these accounts, yet they CONTINUE to report these! In TransUnions response to my request, stated they verified each account, and continue to report the numerous violations causing me more harm and damage. In addition, although I presented a written request for TransUnion to provide and deliver any proof and documentation they collected during their investigation, yet they refused to provide even a single document collected, or any information whatsoever.
So I went and I disputed these accounts directly with the collection agency reporting them ( sent certified mail # XXXX-see attachment 10 ) requesting validation that these accounts even belong to me, and if so, how these amounts were determined?!? I have NEVER received anything even proving these accounts are mine, yet they continue to report them on my credit report. I then contacted the original creditor who claim they have no knowledge of the accounts in question. I really can not afford to pay them, if they do not belong to me. I have no idea what to do now, and it is really frustrating me!
I would like these unverified accounts removed, and blocked from ever damaging me again.
XXXX : I then reviewed my XXXX report -- and XXXX did not fail to correct as many errors as the other 2 bureausthey still failed to correct some inaccuracies I found, and continue to report them after being notified of the errors disputed numerous times, sent on XX/XX/XXXX, XX/XX/XXXX ; via XX/XX/XXXX ( sent certified mail, receipt number : XXXX -see attachment 12 ) I notified XXXX of the multiple inaccuracies on the following account : 10. XXXX XXXX XXXX/Acct # XXXX This is a collection account that I disputed with them for reporting an inaccurate date of last activity, re-aging my account ( see attachment 13 ), along with an inaccurate current status ( see attachment 9. ) ( I also disputed directly with the original creditor, to no avail. ) Yet, 3 times XXXX supposedly verified the accuracyIMPOSSIBLE. The status date NEVER changed, proving they did not even bother to investigatea blatant VIOLATION of the FCRA!
I would like this account removed for these inaccuracies and violations!
I then disputed the following account with them, for similar reason : 11. XXXX XXXX XXXX/Acct # XXXX I disputed this collection account with them for multiple inaccuracies/violations, too : mainly reporting an inaccurate date of last activity, which is re-aging my account ( see attachment 14 ), along with an inaccurate current status ( see attachment 7. ) Yet, 3 times XXXX supposedly verified the accuracy of this account, tooIMPOSSIBLE again. Also, yet AGAIN, the status date NEVER changed, proving they did not even bother to investigateanother VIOLATION!
I would also like this account removed for these inaccuracies and violations!
Finally, XXXX continues to report the following account inaccurately, too : 12. XXXX XXXX/Acct # XXXX Like TransUnion, I disputed both XXXX/XXXX accounts, and while XXXX fixed one account to reflect accurately, this other account is still reporting a late payment history ( See attachment 15 ) They are ALSO reporting a CURRENT payment status of 180 DAYS late! ( See attachments 6 and 16. ) The account has been transferred, so how can they report a current status?!? On top of that, the status updated date never changed either, after claiming they investigated and verified these inaccuracies. It still says XX/XX/XXXX, even those it was last month! How on earth is this legal???
Please help me address the non-compliance of XXXX TransUnion, and XXXX and force them to ensure their reporting is ACCURATE, COMPLETE, and VERIFIABLE, so that consumerlike meare not harmed the bureaus failures to follow very clear laws. I appreciate any help/guidance you can offer, as I dont know where to go from here..
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XXXX : Violation of the United States XXXX XXXX Dear XXXX, I am writing this letter to bring to your attention the violations of the Fair Credit Reporting Act ( FCRA ) committed by TransUnion LLC regarding the presence of inaccurate, unverifiable, and invalidated information in my consumer file. This letter serveXXXX as a final written offer of settlement before pursuing litigation, as authorized by FCRA Sections 1681n, 1681o, and 1692k, seeking relief and monetary compensation for the damages caused by your noncompliance. It is evident that your agency is in direct violation of the FCRA, as the unverified items listed below still remain on my credit report despite the requirements outlined in Federal Law. Under the FCRA, you are obligated to maintain a copy of the original creditors ' documentation to verify the accuracy and ownership of the reported information. However, you have failed to provide me with any original documentation, including a consumer contract with my signature, as mandated by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have neglected to provide the method of verification as required under Section 611 ( a ) ( 7 ). It is crucial to note that Section 611 ( 5 ) ( A ) of the FCRA explicitly states that " all information which can not be verified '' must be promptly deleted. I find it concerning that your agency appears to lack understanding of the FCRA, considering the numerous errors I have identified on my credit report. Allow me to provide a breakdown of the Fair Credit Reporting Act and the nature of FCRA violations : The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of credit information. It establishes rules regarding the acquisition, retention, and sharing of consumer credit information. FCRA violations can occur when creditors furnish inaccurate financial information to reporting agencies, when reporting agencies mistakenly mix up information of different individuals due to similarities in names or Social Security numbers, or when agencies fail to follow guidelines for handling disputes. Under the Fair Credit Reporting Act, I have the following rights : a. The right to verify the accuracy of my report when it is required for employment purposes. b. The right to receive notification if information in my file has been used against me in credit applications or other transactions. c. The right to dispute inaccurate, incomplete, and unverifiable information in my report and have it corrected or deleted. d. The right to have outdated negative information removed from my report after the specified time limits ( typically seven years, or 10 years in the case of bankruptcy ). In light of the violations outlined above, I demand the immediate deletion of the following items from my credit report due to their inaccuracy, unverifiability, and invalidation : XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX OF XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. XXXX XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr MACYS/CBNA Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Failure to comply with this request and resolve these inaccuracies within the stipulated timeframe may result in legal action in accordance with the FCRA. I am prepared to enforce my rights under the FCRA by pursuing litigation to seek the remedies provided by Section 616 and Section 617, which include actual damages, punitive damages, the costs of the action, and reasonable attorney 's fees. Furthermore, I request that you remove all non-account holding inquiries from my credit report. Please note that you have 30 days, as mandated by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), to complete a thorough investigation into these disputed items. Alongside the resolution, I also require a detailed description of the procedure used to determine the accuracy and completeness of the information within five days of completing the reinvestigation. I want to emphasize that I do not consent to e-Oscar or any automated verification methods. Failure to respond satisfactorily within the specified timeframe may result in legal action, including a small claims lawsuit seeking {$5000.00} per violation for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury. Please be aware that, depending on your response, I may publicly disclose any potential issues with your company through an online press release, including documentation of any pending small claims action. Copies of this complaint will be forwarded to the relevant organizations and authorities listed below for their information and appropriate action : XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. XXXXXXXX XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation. XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr MACYS/CBNA Account Number : XXXX Please remove it from my credit report. XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. I trust that you will take immediate action to rectify these violations and promptly address my concerns. I expect a comprehensive and satisfactory response from TransUnion LLC within the specified timeframe. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
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| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/XXXXXXXX Report of violations and identity theft by XXXX XXXX XXXX XXXX XXXX I am using CFPB to report clearly the attack that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, SC XXXX phone XXXX has put down on my credit report and even now USING IDENTITY THEFT. They have used my social number, name, and information to report a new active live account on my credit report that I dont owe.
A POLICE REPORT HAS BEEN FILED AND THE NUMBER IS # XXXX ON XX/XX/XXXXXXXX WITH THE XXXX XXXX POLICE DEPARTMENT .
A FTC REPORT OF IDENTITY THEFT HAS BEEN FILED FTC.GOV # XXXX XXXX XXXX XXXX XXXX XXXX has opened a live active reporting tradeline on my credit report AFTER STATING ON XX/XX/XXXX IN A LETTER ; THAT IT WOULD NOT ACTIVELY BE PURSUED.
XXXX XXXX ALSO HAS THE 1099B PAYMENT PROOF THAT THIS OLD DEBT WAS DISCHARGED.
DFINITION OF IDENTITY THEFT : What is the best definition of identity theft?
Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person 's personal data in some way that involves fraud or deception, typically for economic gain.
XXXX XXXX XXXX XXXX XXXX USES DECEPTIVE PRACTICES TO COLLECT DEBT WITHOUT VERIFYING CONTRACTUAL OBLIGATION AND OPERATING OUTSIDE OF THEIR JURISDICTION. COMPLETELY VIOLATING THE FAIR DEBT COLLECTION PRACTICES BY VIOLATING : Section 15 usc 1692 802. Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
ALSO VIOLATING Section 15 usc 1692a 804. Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ALSO VIOLATING Section15 usc 806. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 603 ( f ) or 604 ( 3 ) 1 of this Act.
ALSO VIOLATING Section 15 usc 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
ALSO VIOLATING Section 15 usc 1692e 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true propose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
ALSO VIOLATING Section 15 usc 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ALSO VIOLATING 15 usc 1692j 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 813 for failure to comply with a provision of this title.
15 usc 1692k 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( XXXX ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court.
On a finding by the court that an action under this s ALSO VIOLATING THE PRIVACY ACT OF 1974 Even stating that their attorney is after me on my credit report.
XXXX XXXX IGNORED MY DEMANDS FOR A NAME AND ACCOUNTING DOCUMENT AND PURCHASE AGREEMENT OF ALLEGED DEBT.
XXXX AND ITS AFFILIATES INFORMATION XXXX is a limited liability company that was organized in Delaware in XXXX, is headquartered in XXXX XXXX, Nevada, and appears to be managed from South Carolina. It claims to have no employees of its own. Its only business is to purchase consumer debts that are in default, mostly from affiliated entities that purchased the debts from others, and attempt to collect those debts through litigation. As determined by the Maryland Commissioner of Financial Regulation in a XXXX enforcement action ( and not contested by XXXX in this appeal ), XXXX is part of an integrated conglomeration of affiliated entities that include : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, which own and operate XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX ). XXXX provides management services for XXXX, which the Commissioner of Financial Regulation found to be " an integrated financial services company engaged in purchasing and servicing portfolios of consumer debt that it acquires at a large discount. '' XXXX XXXX XXXX ( Originator ), which is a wholly-owned subsidiary of XXXX. Originator is headquartered in South Carolina. XXXX is a wholly owned subsidiary of Originator. XXXX 's Board of Managers, which has day-to-day supervision over XXXX, also is based in South Carolina.
XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), which also are subsidiaries of XXXX. The first two are debt purchasers. XXXX is involved with the management of XXXX ; XXXX and XXXX have traded as XXXX ; and XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), which acts as the master servicer for charged-off consumer debt owned by XXXX and is headquartered in South Carolina. XXXX is a limited partnership in which XXXX is the general partner that owns one percent, and XXXX, which is a limited partner that owns 99 percent. Both XXXX and XXXX are subsidiaries of XXXX. XXXX. Though only a one percent owner, XXXX is responsible for the management of XXXX.
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| 01/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX in the amount of {$560.00} Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX in the amount of {$470.00} Credit account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX in the amount of {$840.00} Credit account # 4 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX in the amount of {$490.00} Credit account # 5 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX in the amount of {$720.00} Please accept this as my Official Writ Composition Notification in lawful declaration of your DE-FICIENT of compliant reporting and demands for you to become suitably and substantially com-pliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX XXXX field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your alle-gations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence ade-quately validated claims.
This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate XXXX XXXX COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am request-ing validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Report-ing Act, along with my corresponding local state laws. Please note that I am requesting valida-tion ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which addi-tionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit re-ports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete re-porting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allega-tion of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your sub-mission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE en-try.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a chal-lenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have on-ly true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibil-ity to this account of MINE, however if you are unable or unwilling to present the mandated prova-ble documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative as-pects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate re-porting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subter-fuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law.
I've previously sent a of residence, driver license, and social security card to the bureaus, so please avoid requesting such information- it will not be tolerated. Yes, I give full permission and authorization to the bureaus to open up a dispute on my behalf.
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| 10/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( XXXX ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA XXXX, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single XXXX even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here! Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( XXXX ) in the XXXX XXXX data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( XXXX ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate XXXX XXXX COMPLIANCE as related to each and all of the accusations of adverse account ( XXXX ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( XXXX ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( XXXX ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single XXXX even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States XXXX reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single XXXX even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law.
Below are the accounts in question : Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : Account Resolution services Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX XXXX account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : waypoint resource group Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : Portfolio recovery Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX
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| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the inaccuracies on my credit report and request that you enforce the legal provisions that protect my rights as a consumer.
My name is XXXX XXXX, and my current address is XXXX XXXX XXXX XXXX XXXX, CA XXXX. However, my credit report contains several incorrect addresses that do not belong to me, such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX This incorrect information has caused confusion and potential harm to my credit profile.
According to my credit report, there are multiple unverified accounts and incorrect information, including wrong personal information and addresses that do not belong to me. The information on my report is inaccurate, incomplete, and unverifiable. I have contacted the credit reporting agencies several times to dispute this information, but no action has been taken to correct the errors.
These inaccuracies have had a significant negative impact on my life. As a result of the incorrect information on my credit report, I have been denied credit, employment, and housing opportunities. I have also been subjected to harassing phone calls and letters from debt collectors, even though I do not owe the debts they are attempting to collect.
These violations have caused me undue stress, financial loss, and emotional distress. I am a responsible individual who has always paid my bills on time and maintained good credit. However, because of the inaccuracies on my credit report, I am being unfairly penalized.
I request that you enforce the following laws to correct the inaccuracies on my credit report : FCRA Violations : Section 1681e ( b ) of the FCRA requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. Section 1681i ( a ) of the FCRA requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within a specified period and correct or delete any inaccurate, incomplete, or unverifiable information.
FACTA Violations : Section 609 ( g ) of the FACTA requires credit reporting agencies to block the reporting of any information that a consumer identifies as resulting from identity theft.
ECOA Violations : Section 202 of the ECOA prohibits discrimination against applicants based on race, color, religion, national origin, sex, marital status, or age. Regulation B of the ECOA prohibits discrimination against applicants based on other factors, such as address or zip code.
FCBA Violations : Section 1666 of the FCBA requires credit card issuers to promptly investigate and correct billing errors reported by consumers.
I demand that the creditor remove all unverified accounts and incorrect information from my credit report and take appropriate steps to ensure that my credit report is accurate and complete. I also request that you provide me with a copy of my corrected credit report and inform me of any actions taken to correct the inaccuracies.
dispute several inaccuracies and violations on my credit report, specifically related to the account with XXXX and account number XXXX.
According to my credit report from TransUnion and XXXX, the account status is listed as closed, but XXXX still shows it as open. Additionally, all three credit bureaus report that I was 30 days late on XX/XX/XXXX, despite the fact that I did not miss any payments on this account. Furthermore, TransUnion and XXXX report that the last payment date was XX/XX/XXXX, but XXXX reports it as XX/XX/XXXX. The date opened is also inconsistent, as XXXX and XXXX report it as XX/XX/XXXX, while TransUnion reports it as XX/XX/XXXX. Lastly, TransUnion and XXXX report that the date reported was XX/XX/XXXX, but XXXX reports it as XX/XX/XXXX.
These inconsistencies have had a significant impact on my life. As a result of these inaccurate reports, I have been denied credit and have had to pay higher interest rates on loans. This has made it difficult for me to secure financing for important purchases, such as a new car and home.
I believe that these inconsistencies violate several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Real Estate Settlement Procedures Act ( RESPA ).
Specifically, the credit reporting agencies have violated Section 1681c of the FCRA by failing to follow reasonable procedures to ensure the maximum possible accuracy of credit reports. Section 1681e of the FCRA has also been violated by the agencies for failing to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports. Moreover, Section 1681i of the FCRA has been violated as the agencies have failed to conduct a reasonable reinvestigation of the disputed information and correct or delete any inaccurate, incomplete, or unverifiable information. Additionally, Section 1681g of the FCRA has been violated as the credit reporting agencies have failed to disclose the dates on which accounts were opened and closed, as well as the date of last payment.
Furthermore, the debt collector for this account has violated Section 807 of the FDCPA by using false, deceptive, or misleading representations in connection with the collection of this debt.
In addition, Section 1641 of the TILA has been violated as the creditor failed to provide certain disclosures to me, including the identity of the person to whom the debt has been assigned.
Finally, Section 2605 of RESPA has been violated as the loan servicer failed to respond to my inquiries and complaints about the mortgage loan in a timely manner.
My credit report lists several creditors with account numbers and details that are incorrect and damaging to my credit score. I have contacted the credit reporting agencies to correct these errors but have not received satisfactory responses. As a result, I am turning to your organization to help enforce the legal requirements of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Truth in Lending Act ( TILA ), and Real Estate Settlement Procedures Act ( RESPA ).
One of the creditors on my report is XXXX with the account number XXXX. According to all three bureaus, I was 30 days late on XX/XX/XXXX, but I did not miss any payments on this account. TransUnion and XXXX are showing the payment status as current, but XXXX is showing it was late 30 days. TransUnion is showing the date of last activity as XX/XX/XXXX, but XXXX is showing XX/XX/XXXX, and XXXX did not report anything. TransUnion and XXXX are showing the date reported as XX/XX/XXXX, but XXXX is showing XX/XX/XXXX. XXXX and XXXX are showing the date opened as XX/XX/XXXX, but XXXX reported XX/XX/XXXX.
These discrepancies have greatly impacted my life. As a result of this incorrect information, I have been denied credit, lost job opportunities, and been subject to higher interest rates and fees. I have been working hard to improve my credit and these inaccurate reports are hindering my progress. The information provided by XXXX is clearly inaccurate and misleading, violating several provisions of the FCRA including sections 1681c, 1681e, 1681i, and 1681g. Additionally, XXXX is violating section 807 of the FDCPA, section 1641 of the TILA, and section 2605 of RESPA.
my legal rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).
As you are aware, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of credit reports under Section 1681c of the FCRA. However, the following creditors have reported inaccurate information on my credit report : XXXX XXXXXXXX XXXX XXXX ( Account number XXXX ) According to XXXX XXXX I was 120 days late on XX/XX/XXXX, but I did not miss any payments on this account. The account type is showing as a collection account, but it is not a collection account. The creditor never sent me any paperwork notifying me that my account had been sold to a collection agency. Additionally, XXXX is reporting that the account status is closed, while XXXX is reporting it as open. XXXX reported the date as XX/XX/XXXX, while XXXX reported XX/XX/XXXX. Furthermore, XXXX reported a payment amount balance of {$0.00}, while XXXX reported {$100.00}. Finally, XXXX reported the last payment date as XX/XX/XXXX, while XXXX reported XX/XX/XXXX.
Based on this information, I believe that the creditors violated XXXX XXXX, XXXX, XXXX, and XXXX of the FCRA. Additionally, I believe that XXXX XXXXXXXX XXXX XXXX violated Section 807 of the FDCPA by misrepresenting the status of my account as a collection account.
I am writing to dispute inaccurate information that has been reported on my credit report by XXXXXXXX XXXX, with account number XXXX. According to TransUnion, the last verified date is XX/XX/XXXX, while XXXX and XXXX have not reported anything. Furthermore, TransUnion is reporting a date of last activity of XX/XX/XXXX, while XXXX and XXXX have reported XX/XX/XXXX and XX/XX/XXXX, respectively. Also, TransUnion and XXXX are showing a date reported of XX/XX/XXXX, but XXXX is reporting XX/XX/XXXX. TransUnion is showing a date opened of XX/XX/XXXX, while XXXX and XXXX are reporting XX/XX/XXXX. Lastly, TransUnion is showing a payment status of late 120 days, while XXXX and XXXX have reported late 90 days.
These inaccuracies are not only frustrating, but they have also had a significant impact on my life. Due to these inaccurate reports, my credit score has been negatively affected, making it difficult for me to obtain loans, credit cards, or other financial assistance that I need. It has even affected my ability to find a job, as many employers require credit checks as part of their hiring process.
I believe that XXXX XXXX has violated several provisions of the FCRA, including Section 1681c, which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of credit reports, Section 1681e, which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of consumer reports, and Section 1681g, which requires credit reporting agencies to disclose the dates on which accounts were opened and closed, as well as the date of last payment. The creditor may also have violated the FCRA 's requirement to conduct a reasonable investigation of disputed information under Section 1681i. Additionally, the inconsistent reporting of the payment status could be a violation of the FCRA 's requirement for accurate reporting under Section 1681e ( b ).
Therefore, I am requesting that XXXX XXXX remove these unverified accounts from my credit report as soon as possible, and I urge the Consumer Financial Protection Bureau to enforce the legal requirements of the FCRA to ensure that creditors and credit reporting agencies are held accountable for accurate and fair reporting.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX XXXX XXXX ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, a dereliction of duty, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Reporting Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud or unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX, and XXXX are consumer reporting agencies and I am the Consumers Beneficiary.
I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent.
Any and all consent to XXXX, XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' Title 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) provides the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The listed accounts and inquiries are between the consumer and the reporter of adverse items without notice or my permission, undermine regulatory exclusions for reporting, which produce an effect that prevents access to my estates extensions of credit as the beneficiary, denied rights of action, chose-in-action, a conflict of interest against equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Title 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right to opt-out, my beneficiary interest rights, and my financial privacy rights, NOW so mote it be ; I am opting out of your reporting services regarding ANY adverse reporting of choses-in-action in a conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Regarding estates and trusts, chose-in-action by beneficiaries, equity case law has provided : In cases of trust, where the trustee has violated his trust by an illegal conversion of the trust property, the cestui que trust has a right to follow the property into whosesoever hands he may find it, not being a bona fide purchaser for a valuable consideration, without notice. Where a trustee has, in violation of his trust, invested the trust property or its proceeds in any other property, the cestui que trust has his option either to hold the substituted property liable to the original trust, or to hold the trustee himself personally liable for the breach of the trust. The option, however, belongs to the cestui que trust alone and is for his benefit, and not for the benefit of the trustee. If the trustee, after such an unlawful conversion of the trust property, should repurchase it, the cestui que trust may, at his option, either hold the original property subject to the trust or take the substituted property in which it has been invested, in lieu thereof. And the trustee, in such a case, has no right to insist that the trust shall, upon the repurchase, attach exclusively to the original trust property. Where the trust property has been unlawfully invested, with other funds of the trustee, in other property, the latter, in the hands of the trustee, is chargeable pro tanto to the amount or value of the original trust property.
What constitutes notice of a trust? An agent, employed by a trustee in the management of the trust property, and who thereby acquires a knowledge of the trust, is, if he afterwards becomes possessed of the trust property, bound by the trust, in the same manner as the trustee. Where, upon the face of the title papers, the purchaser has full means of acquiring complete knowledge of the title from the references therein made to the origin and consideration thereof, he will be deemed to have constructive notice thereof. A co-proprietor of real property, derived under the same title as the other proprietors, is presumed to have full knowledge of the objects and purposes and trusts attached to the original purchase, and for which it is then held for their common benefit.
XXXX XXXX XXXX, 44 U.S. 333 ( 1845 ) When a trustee abuses his trust -- converting trust property into new forms -- the cestui que trust has the option to take the original or the substituted property, and if either has passed into the hands of a bona fide purchaser without notice, then its value in money. If the trust property comes back into the hands of the trustee, that fact does not affect the right of the cestui que trust. The principle is that the wrongdoer shall derive no benefit from his wrong, and that profits which he makes belong to the cestui que trust. Equity will accordingly so mould and apply the remedy as to give them to him, giving, however, the party thus charged proper credits for money which he has paid, but which, if things had all been regularly transacted, the cestui que trust should have paid, making proper allowances for rent, interest & c., and putting things on such a footing as under the circumstances does the most complete justice.
XXXX v. XXXX XXXX, 78 U.S. 217 ( 1870 ) Where property held upon any trust to keep, or use, or invest it in a particular way is misapplied by the trustee and converted into different property, or is sold and the proceeds are thus invested, the property may be followed wherever it can be traced through its transformations, and will be subject, when found in its new form, to the rights of the original owner or cestui que trust. It does not alter the case that the newly acquired property, instead of being purchased with the proceeds of the original property, is obtained by a direct exchange for it. XXXX XXXX XXXX, 85 U.S. 18 Wall. 332 332 ( 1873 ) Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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| 10/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy.
15 U.S.C 1681 section 602 A. States, I have the right to privacy. 15 U.S.C. 1681 ( a ) ( 4 ) T
here is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Accounts XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
because of your mistakes.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
14. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
16. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
17. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
18. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
19. XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
20. XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX - XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
22. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
23. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
24. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
25. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
26. XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
27. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
28. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
29. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
30. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
31. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
32. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
33. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Florida XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. 2055 XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauXXXX : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC XXXX Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 03/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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TransUnion refuses remove incorrect information on my TransUnion credit report and/or update my credit report as follows ; 1. BANKRUPCY REAFFIRMATION ACCOUNT listed as discharged, 2. FRAUDULENT ACCOUNT is still on my credit report, 3. BANKRUPTCY DISCHARGE not listed correctly, 4. Refusal to remove INQUIRIES that were NOT approved, 5. Refusal to update personal information and, 6. Refusal to update 100 word personal statement.
I have contacted the creditors and TransUnion several times by phone, mail, fax, electronic updates and emails since XX/XX/XXXX, further, the U.S. Bankruptcy court has sent numerous notices as well and still the same errors persist on my credit report. I have attached the most recent letter to TransUnion with attachments mentioned below. Please help. A XXXX XXXX Bankruptcy is known as a fresh start bankruptcy because individuals are liquidating their assets and discharging all of their debts in a relatively short period of time and there is no repayment plan. I filed XXXX XXXX Bankruptcy, on XX/XX/XXXX, the Court ordered an injunction ( an automatic stay ) that prevents creditors from taking certain actions to collect debts. The automatic stay more broadly stops : any act to collect, assess, or recover a claim against the debtor that arose before the case filing, XX/XX/XXXX. See U.S. Bankruptcy Code 362 ( a ) ( 6 ). The automatic stay stops : the filing or continuation of a lawsuit or other legal proceeding against you to collect a debt, the enforcement of a prior judgment against your property, taking possession of or control over your property, the creation or enforcement of a lien against your property. See U.S. Bankruptcy Code 362 ( a ) ( 1-4 ). On XX/XX/XXXX, the Bankruptcy was discharged, please see attached for a copy of the XXXX XXXX XXXX. From XX/XX/XXXX and after XX/XX/XXXX, the Bankruptcy filing should have been reflected on my credit reports, but it was NOT and there were a number of errors associated with the Bankruptcy filing. Some of these errors are listed below : 1. BANKRUPCY REAFFIRMATION ACCOUNT The reporting of XXXX XXXX XXXX XXXX auto loan for XXXX XXXX XXXX, account number XXXX, XXXX XXXX XXXX XXXX on TransUnion report XXXX is incorrect. Please see attached for the XXXX XXXX XXXX XXXX auto loan for XXXX XXXX XXXX XXXX XXXX and relevant corresponding pages from TransUnion credit report file number XXXX. XXXX XXXX XXXX XXXX XXXX loan, XXXX XXXX XXXXXXXX XXXX on TransUnion report XXXX, should read reaffirmed, open, never been late and paid as agreed, or similar language. Because this XXXX XXXX bankruptcy debt is covered by a valid reaffirmation agreement and was NOT discharged.
2. FRAUDULENT ACCOUNT MUST BE REMOVED The XXXX DUAL CARD # XXXX ( XXXX ) debt listed on TransUnion file number XXXX, is now a XXXX account XXXX and is NOT my account and was fraudulent. XXXX took over the XXXX credit card program. Please see attached for two XX/XX/XXXX letters from XXXX directing for the removal of the fraudulent account and relevant corresponding pages from TransUnion credit report file number XXXX. TransUnion refuses to follow directions from the creditor. The account number is the same for each account and XXXX XXXX simply has not provided accurate information and TransUnion simply has not done an investigation.
3. BANKRUPTCY DISCHARGE Debts that are discharged in a XXXX XXXX Bankruptcy, should be reported with a {$0.00} balance after the discharge is entered. Furthermore, as the automatic stay of creditors prohibited the lawful collection of the debts as soon as the bankruptcy case was filed, a creditor or debt collector may not continue to report the account or trade-line as past due once the bankruptcy has been filed. However, I filed for XXXX XXXX Bankruptcy on XX/XX/XXXX, see attached and creditors or debt collectors were notified, continue to report the debt listed in my bankruptcy schedule as past due or with a balance due even AFTER XX/XX/XXXX, the date of bankruptcy discharge, see attached. Therefore, these creditors and credit reports are robbing me of my fresh start, and a a result I have been damaged : creditors or debt collectors and the credit report agency have robbed me of my fresh start. In fact, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 and 1681a thru 1681x and other Federal law, 11 U.S. Code 524 Effect of discharge, and other guidance, creditors wont be able to report my discharged debt in a variety of ways that could cause my credit to suffer, such as allowing the obligation to show as : 1. currently owed or active, 2. late or delinquent or outstanding, 3. charged off, 4. having a balance due, or, 5. converted to a new type of debt ( re-aged or given new account numbers, for example ).
Such reporting labels are often the reason creditors deny applicants credit. In some cases, creditors and debt collectors use the credit report listing as a form of passive debt collection, and applicants must pay off such debt as a condition of loan approval. Instead, when I pull my report, each qualifying debt should be reported as : having a zero balance, and discharged, included in bankruptcy, or similar language.
The following accounts were XXXX in bankruptcy BUT do not have a {$0.00} balance listed and the CRA shows them as currently owed or active, late or delinquent or outstanding, charged off, and/or having a balance due. Further each account must include the language such as discharged through Bankruptcy XXXX XXXX or similar language. This is a violation that must be remedied immediately. The errors specific to each debt account are listed under each account and attached is the relevant corresponding pages for that debt from TransUnion credit report file number XXXX.
XXXX XXXX XXXX # XXXX, 1. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
XXXX XXXX XXXX # XXXX XXXX no notice of discharged through Bankruptcy XXXX XXXX XXXXsted, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
XXXX XXXX XXXX XXXX XXXX, XXXX no notice of discharged through Bankruptcy XXXX XXXX XXXXisted, 2. debts can not be listed as currently owed or active and this debt is, 3. debts can not be listed as late or delinquent or outstanding and this debt is and/or, 4. debts can not be listed as charged off as this debt is listed as charged off.
XXXX XXXX XXXX # XXXX XXXX no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
XXXXXXXX XXXX # XXXX XXXX. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debts can not be listed as currently owed or active and this debt is, 3. debts can not be listed as late or delinquent or outstanding and this debt is and/or, 4. debts can not be listed as charged off as this debt is listed as charged off.
XXXXXXXX XXXX XXXX # XXXX XXXX no notice of discharged through Bankruptcy XXXX XXXX XXXXisted, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
XXXXXXXX XXXX XXXX # XXXX XXXX no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
XXXX XXXX XXXX XXXX 1. no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
XXXX XXXX XXXX XXXX no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
XXXX XXXXXXXX XXXX XXXXXXXX XXXX no notice of discharged through Bankruptcy XXXX XXXX listed, 2. debt NOT labeled as {$0.00} balance, 3. debts can not be listed as currently owed or active and this debt is, 4. debts can not be listed as late or delinquent or outstanding and this debt is and, 5. debts can not be listed as charged off as this debt is listed as charged off.
A creditor who repeatedly refuses to report my discharged debt properly is in violation of the bankruptcy discharge injunction prohibiting creditors from trying to collect on discharged debts. U.S. Bankruptcy Code 362 ( k ) ( 1 ) states that an individual injured by any willful violation of a stay provided by this section shall recover actual damages, including costs and attorneys fees, and, in appropriate circumstances, may recover punitive damages. See U.S. Bankruptcy Code 362 ( k ) ( 1 ).
4. INQUIRIES I did not give these companies listed below, authorization to access my credit report and thus these inquires should be deleted.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX Also there are more inquires listed on the attached pages of the reports, please remove them as well.
5. Updated personal information XXXX ( XXXX ) XXXX Residential ( XXXX ) XXXX ( XXXX ) XXXX, ( XXXX ) XXXX and ( XXXX ) XXXX are not mine.
My spouse is XXXX XXXX, NOT XXXX XXXX.
6. UPDATED 100 WORD PERSONAL STATEMENT SERVICE CONNECTED, TOTALLY PERMANENTLY XXXX VETERAN, WITH FEDERAL MONTHLY XXXX BENEFITS ; VA ( PAID UNDER TITLE 38 ) AND SOCIAL SECURITY ( RECEIVED UNDER 42 USC 301 ET SEQ ) ; AS SOLE SOURCE OF INCOME DEPOSITED MONTHLY INTO HIS BANK ACCOUNT. SEE 31 CFR 212.3. THUS UNDER 11 USC 101 ( 10A ) ( B ) ( II ) ( I ) AND ( IV ) ; THESE BENEFITS ARE CONSIDERED EXEMPT OR EXCLUDED INCOME IN BANKRUPTCY. AS A RESULT OF THE EXCLUSION AND OTHER FEDERAL LAW, A CREDITOR CAN NOT SECURE A GARNISHMENT ORDER OR TAKE MONEY FROM HIS BANK ACCOUNT. FEDERAL LAW ESSENTIALLY MAKES HIS FUNDS IMMUNE FROM SEIZURE BY CREDITORS.
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| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, a dereliction of duty, and the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Reporting Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy as beneficiary, a man ; I provide this written request and instruction to remove the late payments in the following adversely reported items and the listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 TransUnion Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report. The National Credit Reporting Agencies as fiduciaries, have a duty to loyalty, duty to disclosure, duty to prudence, and duty to good faith with regard to the beneficiary.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud or unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX, and XXXX are consumer reporting agencies and I am the Consumers Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, producing an effect that prevents access to my estates extensions of credit as the beneficiary, denied rights of action, chose-in-action, a conflict of interest against equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Title 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right to opt-out, my beneficiary interest rights, and my financial privacy rights, NOW so mote it be ; I am opting out of your reporting services regarding ANY adverse reporting of choses-in-action in a conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Regarding estates and trusts equity case law has provided : In cases of trust, where the trustee has violated his trust by an illegal conversion of the trust property, the cestui que trust has a right to follow the property into whosesoever hands he may find it, not being a bona fide purchaser for a valuable consideration, without notice. Where a trustee has, in violation of his trust, invested the trust property or its proceeds in any other property, the cestui que trust has his option either to hold the substituted property liable to the original trust, or to hold the trustee himself personally liable for the breach of the trust. The option, however, belongs to the cestui que trust alone and is for his benefit, and not for the benefit of the trustee. If the trustee, after such an unlawful conversion of the trust property, should repurchase it, the cestui que trust may, at his option, either hold the original property subject to the trust or take the substituted property in which it has been invested, in lieu thereof. And the trustee, in such a case, has no right to insist that the trust shall, upon the repurchase, attach exclusively to the original trust property. Where the trust property has been unlawfully invested, with other funds of the trustee, in other property, the latter, in the hands of the trustee, is chargeable pro tanto to the amount or value of the original trust property.
What constitutes notice of a trust? An agent, employed by a trustee in the management of the trust property, and who thereby acquires a knowledge of the trust, is, if he afterwards becomes possessed of the trust property, bound by the trust, in the same manner as the trustee. Where, upon the face of the title papers, the purchaser has full means of acquiring complete knowledge of the title from the references therein made to the origin and consideration thereof, he will be deemed to have constructive notice thereof. A co-proprietor of real property, derived under the same title as the other proprietors, is presumed to have full knowledge of the objects and purposes and trusts attached to the original purchase, and for which it is then held for their common benefit.
Oliver v. Piatt, 44 U.S. 333 ( 1845 ) When a trustee abuses his trust -- converting trust property into new forms -- the cestui que trust has the option to take the original or the substituted property, and if either has passed into the hands of a bona fide purchaser without notice, then its value in money. If the trust property comes back into the hands of the trustee, that fact does not affect the right of the cestui que trust. The principle is that the wrongdoer shall derive no benefit from his wrong, and that profits which he makes belong to the cestui que trust. Equity will accordingly so mould and apply the remedy as to give them to him, giving, however, the party thus charged proper credits for money which he has paid, but which, if things had all been regularly transacted, the cestui que trust should have paid, making proper allowances for rent, interest & c., and putting things on such a footing as under the circumstances does the most complete justice.
May v. Le Claire, 78 U.S. 217 ( 1870 ) Where property held upon any trust to keep, or use, or invest it in a particular way is misapplied by the trustee and converted into different property, or is sold and the proceeds are thus invested, the property may be followed wherever it can be traced through its transformations, and will be subject, when found in its new form, to the rights of the original owner or cestui que trust. It does not alter the case that the newly acquired property, instead of being purchased with the proceeds of the original property, is obtained by a direct exchange for it. Cook v. Tullis, 85 U.S. 18 Wall. 332 332 ( 1873 ) Where a trust fund has been perverted, the cestui que trust can follow it at law as far as it can be traced. - United States v. State Bank, 96 U.S. 30 ( 1877 ) I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
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| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Subject : Dispute of Unauthorized Credit Reporting under 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ), 15 U.S.C. 6801 Request for Removal Dear Sir/Madam, I am writing to dispute the unauthorized inclusion of certain items on my credit report, which I believe infringes upon my rights as outlined under the United States Code , specifically 15 U.S.C. 1681 ( b ), 1681 ( c ) ( 1 ), and 1681 ( c ) ( 2 ). I kindly request that you conduct an immediate investigation into these matters and take the necessary actions to rectify them. Firstly, according to 15 U.S.C. 1681 ( b ), credit reporting agencies are not permitted to include any information on an individual 's credit report without obtaining their written consent. To the best of my knowledge, I have not provided written consent for the items in question to be included on my credit report. Hence, their inclusion violates this provision. Furthermore, 15 U.S.C. 1681 ( c ) ( 1 ) states that the unauthorized placement of items on a credit report without written consent constitutes identity theft. I assert that these unauthorized entries are a result of identity theft since I have not granted permission for their inclusion on my credit report. Additionally, in accordance with 15 U.S.C. 1681 ( c ) ( 2 ), if a consumer notifies a credit reporting agency of inaccurate or incomplete information, the agency must promptly investigate and remove the information as necessary. Therefore, I request that you conduct an immediate investigation into the unauthorized items on my credit report and take prompt action to remove them, as they lack my written consent and inaccurately reflect my credit history. Furthermore, it is worth noting that under the provisions of 15 U.S.C. 6801, credit reporting agencies are required to safeguard consumer information to prevent unauthorized access and use. Failure to meet these safeguards may result in violations of consumer privacy and security rights. I expect you to adhere to these safeguarding requirements and ensure the removal of the unauthorized items from my credit report. According to the provisions outlined in the USC code, specifically Under 15 U.S. Code 1681 The definition of " INVESTIGATE '' : ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. I have the right to dispute inaccurate information on my credit report. I exercised this right and submitted a formal dispute to the
Bureau 's onXX/XX/. The inaccuracies pertain to Collection entry on my credit report that I have never authorized or entered into any contractual agreement with. Cease all collection activities until investigation completion. 15 U.S. Code 1681s 2, 1681a ( 3 ).
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Despite providing all necessary documentation and evidence to support my dispute, the Bureau has failed to initiate a thorough investigation into the matter. As per the U.S.C. code definition, it is the responsibility of the credit bureau to conduct a reasonable investigation upon receiving notice of a dispute.
I am deeply concerned about this violation of the law and the potential negative impact on my creditworthiness. The failure to investigate my dispute not only undermines my rights as a consumer but also compromises the accuracy and integrity of the credit reporting system as a whole.
I kindly request your intervention and assistance in addressing this matter. I believe it is imperative for the Bureau 's to adhere to the regulations set forth in the U.S.C. code and fulfill its obligation to investigate and correct inaccuracies on my credit report.
I respectfully ask that you investigate this matter further, ensure compliance with the applicable U.S.C. code, and take appropriate actions against the Bureau 's for their non-compliance. Additionally, I kindly request that you keep me informed of any progress or developments regarding my complaint.
I kindly request that you provide written documentation of the investigation results, as well as the removal or modification of the unauthorized items, within 14 business days.
Please consider this letter as my formal request for an investigation and resolution of the unauthorized credit reporting entries on my credit report. I trust that you will fulfill your obligations under the law and promptly address this matter.
Lastly, I kindly request that you initiate a comprehensive investigation into these disputed items as outlined in my dispute. Please ensure that the investigation is conducted in accordance with the relevant sections of the FCRA, including but not limited to : 15 U.S. Code 1681i ( 5 ) - Removal of Inaccurate/Invalidated Credit Information 15 U.S. Code 1681e ( b ) - Compliance Procedures for Maximum Possible Accuracy 15 U.S. Code 1681s2 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies under FCRA 15 U.S. Code 1692e - False or Misleading Representations under FDCPA 15 U.S. Code 1681a ( 3 ) - Restriction on Sharing of Medical Information 15 US Code 1681b ( 4 ) - Limitation on Redisclosure of Medical Information 15 U.S. Code 1681a ( 2 ) ( B ) - Exclusions from a Consumer Report 15 U.S. Code 1666 ( b ) - Billing Error under TILA 15 U.S. Code 1605 - Determination of Finance Charge During the investigation period, I kindly ask that you place these disputed items in dispute and refrain from reporting them to any third parties. I also request that you contact the relevant data furnishers and inform them of these disputes, instructing them to cease reporting the disputed items until the completion of your investigation and the resolution of these matters.
Below you will find all the items that are inaccurate : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX GA XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX GA XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
13. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
14. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
16. Disputes Account Type or Term Duration/Terms Frequency or Portfolio Type disputed. Dispute Special Comment/Compliance Condition Code/narrative remarks. Dispute current balance. Disputes present/previous Account Status/Payment History Profile/Payment XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
17. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX GA XXXX 19. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated ( insert today 's date ) is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.
Sincerely yours, XXXX XXXX
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| 04/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to file a dispute regarding XXXX XXXX XXXX ( XXXX ) inaccurate reporting of my payment history. According to TransUnion, XXXX XXXX reported that I was 30 days late on a payment on XX/XX/XXXX, but I did not miss any payments on this account. This inaccurate reporting has had a significant impact on my credit score and my ability to obtain credit in the future.
The inaccurate reporting by XXXX XXXX is a clear violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ) which requires that furnishers of credit information report accurate information to credit reporting agencies. The inaccurate reporting has negatively impacted my credit score and has caused me to be denied credit opportunities that I would have otherwise been eligible for.
XXXX ( XXXX ) According to TransUnion and XXXX, I was 30 days late on my account in XX/XX/XXXX, but I have never missed a payment on this account. Furthermore, there are discrepancies in the dates reported by the two credit bureaus for when the account was opened and last active.
XXXX has violated several laws, including the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to credit reporting agencies and not ensuring that information provided to credit reporting agencies is complete and accurate. They have also failed to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report.
Additionally, XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by falsely representing the character, amount, or legal status of the debt and threatening to take actions that can not be legally taken.
Furthermore, XXXX has violated the Truth in Lending Act ( TILA ) by not providing accurate and timely disclosures of the terms of my loan. They have also violated the Fair and Accurate Credit Transactions Act ( FACTA ) by not implementing reasonable procedures to ensure the accuracy of the information provided to credit reporting agencies.
Finally, XXXX has violated the Real Estate Settlement Procedures Act ( RESPA ) by not responding to my Qualified Written Request within the required time period. They have also violated the Electronic Fund Transfer Act ( EFTA ) by not providing notice of an error or unauthorized transfer within the required time period.
XXXX ( XXXX ) XXXX. On my credit report provided by XXXX, XXXX XXXX has reported that my account status is derogatory and that the account was charged off, which is not accurate.
According to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX is required to report accurate and complete information to credit reporting agencies, and this includes reporting derogatory status and charge off status only if it is justified. XXXX XXXX has not provided any justification for reporting this inaccurate information, and it has negatively affected my credit score and my ability to obtain credit in the future.
I have attempted to contact XXXX XXXX regarding this issue, but have not received any satisfactory response. Therefore, I am turning to the CFPB to enforce the legal requirements of the FCRA.
XXXX XXXX ( XXXX ) According to XXXX, my account status is derogatory and I was 90 days late on XX/XX/XXXX, but I did not miss any payment on this account. The false reporting of a derogatory status or a late payment without justification can negatively impact my credit score and my ability to obtain credit in the future.
This inaccurate information has affected my life in many ways. Due to the derogatory status on my credit report, I have been denied credit and loans, which has made it difficult for me to pay for necessary expenses like medical bills and home repairs. I have been forced to rely on high-interest loans, which have only added to my financial burden. I have also been denied employment opportunities and housing options due to the negative information on my credit report.
I believe that XXXX XXXX violated Section 623 ( a ) ( 2 ) and Section 605 ( a ) of the FCRA by reporting inaccurate information to XXXX. Furthermore, I believe that XXXX violated Section 623 ( b ) of the FCRA by failing to conduct a reasonable investigation when I disputed the inaccurate information.
XXXX XXXX ( account number XXXX ) and the credit reporting agencies TransUnion and XXXX. According to TransUnion, the date opened on this account was XX/XX/XXXX, while XXXX reported the date as XX/XX/XXXX. Furthermore, TransUnion reported a high credit balance of {$5200.00}, but XXXX reported a balance of {$0.00}. Additionally, TransUnion reported the comment " Charged off as bad debt Canceled by credit grantor, '' while XXXX reported " Account has been closed due to inactivity. Unpaid balance reported as a loss by the credit grantor. '' Lastly, TransUnion reported the last active date on this account as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX.
These discrepancies violate several sections of the Fair Credit Reporting Act ( FCRA ), including Section 623 ( a ) ( 1 ) ( A ), which requires furnishers of credit information to report complete and accurate information to credit reporting agencies. Reporting different dates and balances to different credit reporting agencies can be seen as incomplete or inaccurate information. Section 623 ( a ) ( 1 ) ( C ) requires that furnishers of credit information report the date of the delinquency that led to the negative information being reported. If XXXXXXXX XXXX reported different dates of delinquency to different credit reporting agencies, they may have violated this section of the FCRA. Section 623 ( a ) ( 2 ) requires that furnishers of credit information report accurate information to credit reporting agencies. Reporting a balance or a comment that is inaccurate can negatively impact my credit score and my ability to obtain credit in the future. Finally, Section 623 ( b ) requires credit reporting agencies to conduct a reasonable investigation when I dispute information on my credit report. If the credit reporting agency finds that the information is inaccurate, they are required to correct or delete it.
XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). According to my credit reports from TransUnion and XXXX, there are discrepancies in the dates reported for the account number XXXX.
TransUnion reported that the account was opened on XX/XX/XXXX and the date last active was on XX/XX/XXXX. However, XXXX reported that the account was opened on XX/XX/XXXX and the date last active was on XX/XX/XXXX.
These discrepancies in reporting violate the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ) which requires that furnishers of credit information report complete and accurate information to credit reporting agencies. Reporting different dates to different credit reporting agencies can be seen as incomplete or inaccurate information. Additionally, Section 623 ( a ) ( 2 ) requires that furnishers of credit information report accurate information to credit reporting agencies. Reporting a date that is inaccurate can negatively impact my credit score and my ability to obtain credit in the future.
XXXX XXXX, regarding the account number XXXX. According to TransUnion, the date opened for this account was XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. In addition, TransUnion reported the date last active as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX.
I believe that XXXX XXXXXXXX violated several provisions of the Fair Credit Reporting Act ( FCRA ), including : Section 623 ( a ) ( 1 ) ( A ), which requires furnishers of credit information to report complete and accurate information to credit reporting agencies. Reporting different dates to different credit reporting agencies can be seen as incomplete or inaccurate information.
Section 623 ( a ) ( 2 ), which requires furnishers of credit information to report accurate information to credit reporting agencies. Reporting an inaccurate date can negatively impact my credit score and my ability to obtain credit in the future.
Section 623 ( b ), which requires credit reporting agencies to conduct a reasonable investigation when information on a credit report is disputed. If the information is found to be inaccurate, the credit reporting agency is required to correct or delete it.
XXXX XXXX has reported on my credit report. I recently noticed that XXXX XXXX has reported a debt as a collection/chargeoff without ever notifying me or providing any paperwork to support the claim. This false or misleading representation is a violation of Section 1692e ( 11 ) of the Fair Debt Collection Practices Act ( FDCPA ).
Furthermore, XXXX has reported the payment status of the account as a Collection/Chargeoff, which has negatively affected my credit score and my ability to obtain credit in the future. This inaccurate reporting is a violation of Section 1681c ( a ) of the Fair Credit Reporting Act ( FCRA ).
This false and misleading representation and inaccurate reporting have greatly affected my life. As a result of this negative reporting, I have been denied credit opportunities that I would otherwise have been approved for. This has caused me to miss out on important life events, such as purchasing a home and starting a business.
I have attempted to contact XXXX XXXX to request documentation to support the claim of a collection/chargeoff, but they have not provided me with any information. This failure to provide documentation is a violation of Section 623 ( b ) of the FCRA.
XXXX XXXX XXXX, account number XXXX, which was originally held by XXXX XXXX XXXX XXXX XXXX According to my credit reports, there are discrepancies between the information reported by TransUnion and XXXX.
TransUnion shows the Date Opened as XX/XX/XXXX, while XXXX shows it as XX/XX/XXXX. Additionally, TransUnion shows the Date Last Active as XX/XX/XXXX, while XXXX shows it as XX/XX/XXXX.
These discrepancies are not only confusing but can also negatively impact my credit score and ability to obtain credit in the future. As per Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), furnishers of credit information are required to report complete, accurate, and up-to-date information to credit reporting agencies.
I am personally affected by these discrepancies as they are preventing me from accessing credit at reasonable rates. The current state of my credit report has led to denied credit applications, increased interest rates, and, ultimately, financial stress.
Therefore, I request XXXX XXXX XXXX to provide accurate and complete information to all credit reporting agencies they report to, and to remove this unverified collection account from my credit report. I also request TransUnion and XXXX to investigate this matter and update their records accordingly.
Thank you for your attention to this matter. Please provide me with a written confirmation of the resolution of this dispute.
Sincerely, XXXX XXXX
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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RE : Alleged Original Account # : XXXX Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX XXXX has the right to demand validation of the debt you say I owe you. I XXXX XXXX XXXX demands proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me DEPARTMENT OF REVENUE CHILD SUPPORT PROGRAM, this alleged {$36000.00} debit.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I, XXXX XXXX, demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO XXXX XXXX XXXX, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment. American courts invalidated, or denied recognition to, judgments that violated this common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING XXXX XXXX XXXX TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, XXXX. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : //codes.findlaw.com/ca/code-of-civil-procedure/ccp-sect-1250-150.html # sthash.edZyWein.dpuf ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ of Garnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5 section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time, I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortion under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CHILD SUPPORT ENFORCEMENT or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, and all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
XXXX Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
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| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Date : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX account # 1 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX XXXX field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX Credit account # 2 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 3 : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Credit account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiable confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ 1,000+ per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA , my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
In genuine sincerity, XXXX XXXX.
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| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2023, I requested to have my consumer report investigated for 100 % accuracy and to make sure everything was reported correctly. TransUnion claimed to have completed a reasonable investigative consumer report with the furnisher of the information and the accounts listed below as reporting 100 % accurate, but how is that possible if the opening dates are inaccurate, the dates last active are inaccurate, balances are inaccurate, and the dates last reported are not accurate. This is grounds for removal. According to 15 U.S. Code 1681a ( e ), you did not complete a reasonable investigation.
Therefore, these accounts are STILL inaccurate, and TransUnion is STILL continuing to report errors on my consumer file, which is causing damage to my credit score. You are also continuing to violate my rights under 15 U.S. Code 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I have not given TransUnion, nor any other consumer reporting agency written instructions to furnish these accounts in my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXXXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT EDXXXXXXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : DPT ED/XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Account Name : XXXX Account Number : XXXX I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my consumer report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my consumer report.
Also, I found some addresses that appear to be incorrect. I've enclosed documentation, providing proof of my current address and full legal name. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There should only be one address listed on my consumer report, which is XXXX XXXX XXXX # XXXX XXXX XXXX, IN XXXX I also noticed that my name appears to be misspelled on my consumer report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, to make the process of deletion easier, here are the incorrect names : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX There should only be one name on my consumer report, which is XXXX XXXX XXXX ( not in all capital letters, I am not a corporation, I'm a living human being, a natural person ).
Please remove inaccurate employers as well, listed below : XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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1. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX 2. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX 3. The following personal information is incorrectPrevious Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TN XXXX & XXXX XXXX XXXX XXXX XXXX XXXX TN, XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX, XXXX XXXX XXXX XXXX XXXX, TN XXXX. All addresses in which I have never lived. Please erase all information that you THINK is accurate. You have YET to show me a wet ink, signed with my legal legible signature. PLEASE DO NOT GIVE ME ANOTHER COMPUTER RESPONSE, I AM DEMANDING DOCUMENTS YOU HAVE ON FILE TO SUPPORT YOUR FALSE INFORMATION YOU ARE REPORTING ON MY CREDIT PROFILE.. I HAVE A LAWYER WAITING FOR YOUR FINAL RESPONSE TO THIS LETTER. I HAVE BEEN MORE THAN PATIENT FOR OVER 6 MONTHS AND ENOUGH IS ENOUGH.
THE COURTS IN XXXX Tennessee DO NOT, I REPEAT DO NOT REPORT ANY FILINGS TO YOU FOR FUNDING, SO HOW IS IT YOU CLAIM THE COURTS VERIFIED YOUR REQUESTED INFORMATION? YOU ARE MAKING THIS EASIER AND EASIER WITH YOUR LIES AND FALSE RESOURCES. PLEASE SHOW ME HOW YOU GET YOUR INFORMATION.
4. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
5. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is XXXX.
XXXX Account XXXX : XXXX Please remove it from my credit report.
6. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
9. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX & XXXX Account Number : XXXX Please remove it from my credit report.
12. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX XXXX & XXXX Account Number : XXXX Please remove it from my credit report.
13. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
14. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX - XXXX Account Number : XXXX Please remove it from my credit report.
15. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX XXXX : Bankruptcy Account Number : XXXX Please remove it from my credit report.
16. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX XXXX : Bankruptcy Account Number : XXXX Please remove it from my credit report.
17. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. This account is continuing to report errors after you claimed to have verified it. I have reason to believe that you failed to conduct a re-investigation of my disputes. Therefore this account could not have been verified. Provide physical proof of any/all evidence that you actually conducted a reasonable investigation to ensure maximum accuracy of your reporting on my credit report or IMMEDIATELY DELETE THIS INFORMATION FROM MY CREDIT REPORT because this information is UNVERIFIABLE.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Remove this account UNDER PENALTY OF PERJURY Delete this account for violation of 15 U.S.Code 1681e, failure to maintain reasonable procedures, 15 U.S.Code 1681b ( e ) ( 6 ), FDCPA Violation of 15 U.S.Code 1692e False and Misleading reporting, Violation of 15 U.S.Code 1681i ( 5 ) ( A ). Deprivation of Rights 18 U.S.Code 241.
I am demanding my remedy for your willful noncompliance for each violation of law.
? Violation of 15 U.S.Code 1681e - {$1000.00}? Violation of 15 U.S.Code 1681b ( e ) ( 6 ) - {$1000.00}? Violation of 15 U.S.Code 1692e - {$1000.00}? Violation of 15 U.S.Code 1681i ( 5 ) ( A ) - {$1000.00} Total Amount Due : {$4000.00}
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| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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Hello, Ive already filed a discrimination case against your company. Thank you! Those arrest ( not convictions ) were from 17 years ago. 7 years is the maximum time for a look back period. So I can see now that you all are blatantly discriminating against me. As far the evictions its a filing with the court not a evictions. This was clearly thrown out by the court due to the circumstance. Thank you for submitting all the evidence and emailing me as it relates to this I will submit it to the Hud and the other government agencies now.
My Name is XXXX XXXX. I was recently discriminated against due to inaccurate reporting of an eviction and criminal record in my rental history. A housing provider through XXXX XXXX XXXX discriminated against me due to your inaccurate reporting. I believe my rights may have been violated. I have submitted this information HUD to initiate an investigate and process my claim of housing discrimination. I have disclosed all legal documents and proof for lawful investigatory purposes as well as to the U.S. Department of Justice for its use in the filing of pattern and practice suits of housing discrimination or the prosecution of the person ( s ) who committed the discrimination where appropriate ; and to State or local fair housing agencies that administer substantially equivalent fair housing laws for complaint processing. I am a victim of family XXXX and by law I was allowed to break the lease without penalty as Texas law allows me to do. I am a victim of family XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of my family. I decided to file charges against these people and was told by the detectives and Texas crime victim advocate that I would need to move into XXXX XXXX and out of the home I was renting at the XXXX XXXX XXXX in XXXX Texas at the time. My attackers were family members and knew where I lived and would be likely to retaliate against myself and XXXX XXXX XXXX at the time. These people have protective orders filed against them in XXXX XXXX and as of today XXXX only one of the 3 have been arrested on the charges. I did inform the manager at the time that I would need to leave after everything that had been done. I could not continue to live there due to retaliation and safety issues. My attack happened at the end of XXXX however formal charges were made against them until XXXX when I agreed to press charges and was relocated for my safety and my daughters safety. The manager there did not care about this and still filed eviction against me and has now put it on my credit record. We were unlawfully evicted because of the abuse that we experienced. Black women face disproportionately high rates of XXXX XXXX ; we are also more likely to experience eviction than white women or women of other races. This landlords/ housing provider is one of the many landlords who maintain a blanket ban on tenants with prior eviction records. This causes disproportionate harm to people of color, specifically Black women Which happens to be a violation of the federal Fair Housing Act, which prohibits race- and gender-based discrimination in housing. State of the Texas Property Code gives victims of family XXXX the right to vacate and avoid liability. This means a victim of family XXXX may break her residential lease without penalty and in some cases without notice. Landlords who do not allow the tenant to break the lease or who attempt to place barriers, conditions, or restrictions on the victim are breaking the law and are subject to a civil penalty of one months rent plus {$500.00}, damages, and they must pay the victims attorneys fees. I want this removed from my credit immediately. This needs to be removed within the next 30 days at minimum or I will be having my attorney reach out to you. I know for a fact I submitted the documents to the front office there and I took pictures of the documents on the day they were delivered to the front office. I have all the documents including emails to file civil lawsuits against this company. To charge a victim of XXXX XXXX violates the law making the landlord liable for damages to the tenant. As of right now I want the item removed from my credit ASAP. Otherwise, I will be seeking legal counsel. It is common knowledge and against the law for a landlord to create a lease that does not allow a victim of family XXXX to break a lease for safety reasons. I have attached documentation of the family XXXX against me.
Sec. 93.001. DEFINITIONS. In this chapter : ( 1 ) " Advocate '' means a person who has at least 20 hours of training in assisting victims of family XXXX and is an employee or volunteer of a family XXXX center.
( 2 ) " Family XXXX center '' means a public or private nonprofit organization that provides, as its primary purpose, services to victims of family XXXX, including the services described by Section 51.005 ( b ) ( 3 ), Human Resources Code.
( XXXX ) " Victim '' has the meaning assigned to " victim of family XXXX '' by Section 51.002, Human Resources Code.
Added by Acts XXXX, 85th Leg., R.S. , Ch. 1091 ( H.B. 3649 ), Sec. 2, eff. XX/XX/XXXX.
Housing providers are permitted to run criminal background screenings on applicants ; 4 housing providers have an obligation, however, to ensure that any admissions and occupancy requirements they impose comply with all applicable civil rights requirements. Thus, housing providers should wait to undertake criminal background screening of applicants until after all other screening procedures are completed, such as credit checks and landlord references. So, too, housing providers that ban applicants based on arrests, as opposed to convictions, will be in 2 violations of HUDs guidance 5 and may be in violation of federal law. 6 And housing providers that impose blanket prohibitions on housing applicants with any past convictions without further individualized review may also be in violation of federal law.7 An admissions or occupancy policy that uses criminal records as a pretext for intentional discrimination is a violation of the Fair Housing Act under a disparate treatment theory of liability.10 A disparate treatment claim is supported by evidence that the housing provider treated housing applicants differently based on a protected characteristic, including race, color, national origin, gender, familial status, disability, or religion. Disparate treatment claims can be proven by overt or direct evidence of discrimination or by indirect evidence, by establishing the following : 11 ( i ) the applicant is a member of a protected class ; ( ii ) the applicant applied for housing ; ( iii ) the housing provider rejected the applicant because of the applicants criminal record; and ( iv ) the housing provider offered housing to a similarly situated applicant not of the applicants protected class, but with a comparable criminal record. An admissions or occupancy policy that uses criminal records in a manner that causes an unjustified discriminatory effect on a protected class is a violation of the Fair Housing Act under HB 1510 : LANDLORD LIABILITY HB 1510, which went into effect on XX/XX/XXXX, and is codified at 92.025 of the Texas Property Code, further encourages landlords to look beyond the mere fact of a criminal record when making leasing decisions. Specifically, the legislation limits any perceived risk of foreseeable negligence liability that might arise if leasing property to an individual with a criminal record who later commits a criminal act at the property. Moreover, while not creating a new risk of liability, the statute also does not preclude the possibility if a landlord leases property to someone convicted of a Texas Code of Criminal Procedure Article 62.001 or Article 42A.054 offense. Notwithstanding any new protection offered by HB 1510, landlords can always protect against possible legal liability by creating clear, written tenant screening policies and ensuring that all applicants are provided notice of those policies as required by 92.3515 of the Texas Property Code. 3 a disparate impact theory of liability. 12 Disparate impact liability results when a rule that appears, on its face, to treat everyone equally, in fact has a disadvantageous effect on people with a protected characteristic. Discriminatory intent is not a requirement for disparate impact liability ; as long as the policy or rule has a disproportionate adverse impact against an otherwise protected class of persons, a housing provider can be found liable.
13 A disparate impact claim has a three step shifting burden of proof that includes the following:14 ( i ) the applicant must prove there has been an adverse disparate impact from a policy towards a protected class, even if the policy appears neutral ; ( ii ) the burden then shifts to the housing provider to prove the policy was necessary to achieve a substantial, legitimate, and nondiscriminatory interest; and ( iii ) the applicant can then show that the substantial, legitimate, and nondiscriminatory interest could have been served by a less discriminatory policy. Additionally, housing providers should not implement strict look-back periods without affording applicants an Individualized Further Review. A strict look-back period policy can subject a housing provider to a disparate impact claim because strict look-back periods can have the same practical effect as a discriminatory ban of finite duration. Reasonable, specific look-back periods should be the first source of screening in determining whether a housing candidate with a criminal conviction may pose an unreasonable risk to other residents or to the property. 24 Housing providers should use reputable and consistent background screening companies. For most criminal activity, the focus of the criminal background screening is limited to activity that occurred during a reasonable time before the screening process takes place. 25 HUD expects that reasonable time be defined in the housing providers policy.26 The reasonable time should be considered from the date of the conviction. Where the suggested look-back period accounts for multiple offenses, for example, a 1- year look-back period for felony drug possession but only if two or more convictions are involved, the look-back period should be calculated from the date of the last conviction. If a housing applicant has a criminal conviction on his or her record and the date of the conviction falls outside of the enumerated look-back period, then the applicant should not be denied housing based on the criminal background screening. In no discretionary situation should the enumerated look-back period extend greater than seven ( 7 ) years. I expect to hear back from all parties involved and have all these inaccurate reports removed from my background and rental history!! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have had to reach out today XX/XX/XXXX concerning the multiple fraudulent accounts and things being reported by /TRANUNION// it took their investigation well over 30 days and an additional 15 more days I have not been notified in writing of anything any other results from any of the investigations that they supposedly have done again. Transunion continuously violates FCRA laws This credit reporting agency continues to report fraudulent information even though Ive sent them over multiple documentation of who I am they continue to do this, and violate me in every way, state and federal laws I am have reached out to TransUnion about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint NEW YORK state Attorney Generals complaint with a sworn affidavit of truth, ( FRAUDULENT ACCOUNTS ) XXXX XXXXXXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. But XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act ) FRAUDULENT ACCOUNT ( XXXX XXXXXXXX ) ACCT # XXXX {$5700.00} XX/XX/XXXX ) Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX A bank clerk looking at their computer screen, seeing my name listed in their database is ( NOT verification or validation ) of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FILED ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of NEW YORK Attorney General 's office WHICH I HAVE DONE AND YOU WILL SEE ATTACHED DOCUMENTS should you continue in your non-compliance I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) ( Social Security Administration ) and anything purchased with that identifying number is an ( obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( /TRANSUNION ) CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( EXPERIAN/TRANSUNION ) ARE also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies TRANSUNIONfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT Failure to remove account in 5 days from my consumer report as requested will result in legal matters being taken also reporting these matters to ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ).
A copy of the : consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P.
2d 936 ( 1980 ), GE Capital Hawaii , Inc. v.
Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ).
UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 1681i procedure in case of disputed accuracy, 15 U.S. code 1681b Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.
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| 06/08/2017 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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TRANSUNION is attempting to collect a fee from me that I do not owe them, here is my letter, Date : XXXX XXXX 2017, I AM NOT THEIR MEMBER, IM NOT THEIR CUSTOMER, IM NOT THEIR CONSUMER, I HAVE NOT CONSENTED TO THEIR SERVICES, SO WHY ARE THEY IN MY LIFE MAKING FALSE DEFORMATORY STATEMENTS? NO OTHER REASON I CAN FIGURE EXCEPT TO EXTORT $ $ $ $ , Extortion > > > ( also called shakedown, outwrestling, and exaction ) is a criminal offense of obtaining money, property, or services from an individual or institution, through coercion. It is sometimes euphemistically referred to as a " protection racket '' since the racketeers often phrase their demands as payment for " protection '' from ( real or hypothetical ) threats from unspecified other parties. Extortion is commonly practiced by organized crime groups. The actual obtainment of money or property is not required to commit the offense. Making a threat of violence which refers to a requirement of a payment of money or property to halt future violence is sufficient to commit the offense. Exaction refers not only to extortion or the demanding and obtaining of something through force, [ 1 ] but additionally, in its formal definition, means the infliction of something such as pain and suffering or making somebody endure something unpleasant. [ 2 ] Extortion is distinguished from robbery. In robbery, whether armed or not, the offender takes property from the victim by the immediate use of force or fear that force will be immediately used ( as in the classic line, " Your money or your life. '' ) Extortion, which is not limited to the taking of property, involves the verbal or written instillation of fear that something will happen to the victim if they do not comply with the extortionist 's will. Another key distinction is that extortion always involves a verbal or written threat, whereas robbery does not. In United States federal law, extortion can be committed with or without the use of force and with or without the use of a weapon. In blackmail, which always involves extortion, the extortionist threatens to reveal information about a victim or their family members that is potentially embarrassing, socially damaging, or incriminating unless a demand for money, property, or services is met. The term extortion is often used metaphorically to refer to usury or to price-gouging, though neither is legally considered extortion. It is also often used loosely to refer to everyday situations where one person feels indebted against their will, to another, in order to receive an essential service or avoid legal consequences. Neither extortion nor blackmail requires a threat of a criminal act, such as violence, merely a threat used to elicit actions, money, or property from the object of the extortion. Such threats include the filing of reports ( true or not ) of criminal behavior to the police, revelation of damaging facts ( such as pictures of the object of the extortion in a compromising position ), etc. XXXX XXXX RE : Account # unknown To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation proving my obligations to perform or comply, that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth. When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable. Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract. The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds. 2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable. 3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract. 4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement. 5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates. 6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are not of the same and equal kind. 7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below. 8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties. Best Regards
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| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have not received any confirmation on how XXXX, XXXX AND TRANSUNION verified these inaccurate alleged accounts on my credit report therefore I request that you consider this a final notice to XXXX, XXXX AND TRANSUNION Registered Agents TransUnion XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Past This Point, the CFPB will have authenticated sworn testimony from my end which I would gladly present in court if needed as evidence of my trying to rectify the subterfuge that XXXX, XXXX AND TRANSUNION are reporting.
XXXX XXXX AND TRANSUNION are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Please accept this as my official writ Composition Notification in lawful declaration of XXXX, XXXX AND TRANSUNION DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to XXXX, XXXX AND TRANSUNION requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of XXXX, XXXX AND TRANSUNION and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLIANT that XXXX, XXXX AND TRANSUNION allegations ARE NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
XXXX ACCOUNTS : XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX TRANSUNION ACCOUNTS : XXXX XXXXXXXX NUMBER : XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is regarding my account ( s ) with XXXX, XXXX AND TRANSUNION as noted above that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulation, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that XXXX, XXXX AND TRANSUNION somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regard to these noted challenged items listed above ( unlawfully so mind you ). It seems to be, asininely XXXX, XXXX AND TRANSUNION claimed that my account ( s ) has been late on payments. This is a formal notice that XXXX, XXXX AND TRANSUNION claim is being challenged as to its MANDATED compliant reporting and if unproven than your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that i am requesting " validation ; that is competent evidence of any and all calculation, accounting audits, dates, and balances as related to only to account agreement ( s ) I hold with XXXX, XXXX AND TRANSUNION of which there exists a consumer - credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakable in the bearing of my execution of lawful signature indisputably showing that i am knowledgeable of any and all conditions of such that might have created any derogatory or known-positive reflection upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that i am or have ( or ever had ) been late.Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that they represent, is a violation of the FCRA and or the FDCPA ; therefore if and when XXXX, XXXX AND TRANSUNION can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance the laws are in clarity to the facts that XXXX, XXXX AND TRANSUNION absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED NEVER LATE! Please forward to me as well display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that XXXX, XXXX AND TRANSUNION submit, XXXX, XXXX AND TRANSUNION are further instructed to take no action that could be detrimental to any of my credit reports. XXXX, XXXX AND TRANSUNION failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against XXXX, XXXX AND TRANSUNION at my local venue. Without hesitancy, I would be seeking a minimum of {$1000.00} + per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my States credit reporting codes or else wise to include the requisites to have only true, correct, and incomplete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via ful deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that i am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREEDNEVER LATE. Any other notation is possibly refutable or even unlawful chichanary- led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of nay reporting ethics and standard of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with your immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
According to 18 USC 894 whoever knowingly participates in any way or conspires to do so, in the use of any extortionate means to collect or attempt to collect any extension of credit or punish someone for not paying any debts that includes negative credit reporting shall be fined pursuant to this title or imprisoned not more than 20 years, or both.
According to 5 USC 7311 XXXX, XXXX AND TRANSUNION can not strike against federal law and XXXX, XXXX AND TRANSUNION have done this numerous times! This is another violation pursuant to this title I have called, I sent numerous dispute letters and emails pertaining the inaccurate information reporting on my credit report.
According to 15 USC 1681i ( 5 ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Let me remind you that XXXX, XXXX AND TRANSUNION are not government agencies or entities, they are not political subdivisions, and they are all against the constitution These agencies were NEVER given the role to furnish credit reports, they ASSUMED the role.
This is exactly why CONGRESS implemented the FAIR CREDIT REPORTING ACT I am not afraid and will not fall victim to the inaccurate reporting on my credit reporting.
According to 18 USC 893 Whoever willfully advances money or property, whether as a gift, as a loan, as an investment, pursuant to a partnership or profit-sharing agreement, or otherwise, to any person, with reasonable grounds to believe that it is the intention of that person to use the money or property so advanced directly or indirectly for the purpose of making extortionate extensions of credit, shall be fined under this title or an amount not exceeding twice the value of the money or property so advanced, whichever is greater, or shall be imprisoned not more than 20 years, or both.
PLEASE ACT ON THIS MATTER!
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| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX the year of XXXX I learned of federal consumer protection laws. According to FCRA and my rights to privacy I have sent several disputes notices via certified mail receipt XXXX ; XXXX ; XXXX ; XXXX the credit reporting agency regarding inaccurate information that's been reported in my consumer report. With further understanding gained in my own free time and research it has come to my attention that my privacy has been continuously violated. I demand this matter be handled immediately. The audacity of non-compliance from reporting agency has tremendously affected my livelihood, judging my character, has made me seem as if I'm not creditworthy, lendable, just a complete embarrassment and downright humiliation. My performance as a consumer has been severally violated along with my financial stability. As a federally protected consumer I am seeking compensation for all violations and damages that have been intentionally acted against me {$2500.00} per violation and damages suffered {$1000.00} per reporting per month when disputes began. 15 USC 1681e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
This company actions have caused great damage to my well-being and creditworthiness. In the moment 15 days ( about 2 weeks ) upon receipt of this complaint I the consumer providing this complaint demand all inaccurate reporting information to be deleted immediately. ( These accounts will be stated below ). This complaint is not to be construed as a credit repair company and or organization. According to 15 USC 1697c You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. I sent a disputed to investigate my consumer report out of curiosity and to update personal information such as name, address, work and remove all in accurate information. Ths company has sent correspondence, yet the reporting of inaccurate information remains the same. Following up with a re-investigation my disputes were still ignored the violations continued to reflect on my consumer report. Later I called the agents and used other means of communication to remove inaccurate reporting. A submission for cease and desist was given from me to the reporting agencies asking for proof of assumed signed documents of any written or oral agreements. No signed documents and or agreements giving them full authorization to disclose my personal information of said accounts below have been provided to me. Title 15 USC 1681i ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Company has completed no such action. ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shallpromptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. The attachments below will show an inaccurate re-investigation was not properly conducted as well as certified mail receipts sent. Negligence in failing to comply with any requirement imposed has caused me to be unable to obtain financial help with repairing my car, get loans so that I can help fund my businesses, I can't get help from my own credit union, several adverse action notices as to why I can't obtain any credit.
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sayeth further not, this company DO NOT have my written/oral consent and or permission to furnish any information on my consumer report WITHOUT FIRST NOTIFING ME. I demand that these accounts cease and desist reporting immediately upon 15 ( fifteen ) days receipt of the complaint. I hereby hold thesed companies liable for all damages that has been brought upon me since XX/XX/XXXX.
The Fair Credit Reporting Act states in 15 USC sec. 6802 obligations with respect to disclosures of personal information, the importance of consumer reporting agencies conducting their duties in a fair, unbiased, and privacy-conscious manner. These companies have violated the laws as well as my privacy according to the Privacy Act 1974. 15 U.S. Code 6801a - Protection of nonpublic personal information in Addition late payments, charge-off, and repossessions are illegal according to 15 USC 1681A ( 2 ) ( a ) ( i ). Under congress law I was not granted my rights. I never gave written or oral consent to provide any information. Therefore, these violations have brought forth serious civil penalties against these credit reporting organizations. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] ( a ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer because of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Attorneys fees. On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
621. Administrative enforcement [ 15 U.S.C. 1681s ] ( a ) Enforcement by Federal Trade Commission. ( 1 ) In General. The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this title under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ), with respect to consumer reporting agencies and all other persons subject thereto, except to the extent that enforcement of the requirement 's imposed under this title is specifically committed to some other Government agency under any of subparagraphs ( A ) through ( G ) of subsection ( b ) ( 1 ), and subject to subtitle B of the Consumer Financial Protection Act of XXXX, subsection ( b ). For the purpose of the exercise by the Federal Trade Commission of its functions and powers under the Federal Trade Commission Act, a violation of any requirement or prohibition imposed under this title shall constitute an unfair or deceptive act or practice in commerce, in violation of section 5 ( a ) of the Federal Trade Commission Act ( 15 U.S.C. 45 ( a ) ), and shall be subject to enforcement by the Federal Trade Commission under section 5 ( b ) of that Act with respect to any consumer reporting agency or person that is subject to enforcement by the Federal Trade Commission pursuant to this subsection, irrespective of whether that person is engaged in commerce or meets any other jurisdictional tests under the Federal Trade Commission Act. The Federal Trade Commission shall have such procedural, investigative, and enforcement powers, including the power to issue procedural rules in enforcing compliance with the requirements imposed under this title and to 82 621 - 15 U.S.C. 1681s require the filing of reports, the production of documents, and the appearance of witnesses, as though the applicable terms and conditions of the Federal Trade Commission Act were part of this title. Any person violating any of the provisions of this title shall be subject to the penalties and entitled to the privileges and immunities provided in the Federal Trade Commission Act as though the applicable terms and provisions of such Act are part of this title. ( 2 ) Penalties ( A ) Knowing Violations. Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of XXXX, in the event of a knowing violation, which constitutes a pattern or practice of violations of this title, the Federal Trade Commissions may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this title. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.
If any further compliance is needed with providing proof of any kind, please feel free to contact me via email @ XXXX. Failure to comply with this request will leave me no choice but to seek further legal assistance with this matter. If these demands are not met, I shall seek further remedy for even more damages and hardship that has already been brought upon me along this repair journey. Your prompt compliance is expected to avoid further legal action. Thank you in advance foreseeing this matter.
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| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AMENDED AND CORRECTED COMPLAINT TO COMPLAINT # XXXX Submitted to the CFPB on XX/XX/XXXX. PLEASE USE ALL PREVIOUSLY SENT ATTACHMENTS FOR THIS CURRENT UPDATED COMPLAINT It has come to my attention that XXXX is currently in violation of the Privacy Act of 1974 which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). XXXX has been in violation of this Act and has been regularly reporting negative activity via late payments without my consent, and has caused irreparable harm and injuries to me in violation of the abovementioned Act and as stated in 15 U.S. Code 6801 - Protection of nonpublic personal information which states : ( a ) Privacy obligation policy - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards - In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. In addition to 15 U.S. Code See Also 6805 Enforcement ( a ) WHICH STATES THAT : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, and ( b ) ENFORCEMENT OF SECTION 6801 ( 1 ) Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Therefore, it is within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ) to enforce this/these Act ( s ) to ensure the protections of all consumers. SEE ALSO 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information under : ( a ) Notice requirements which states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. According to 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( e ) Time to comply with opt out. Which states that : You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it., and 16 CFR 313.7 ( f ) Continuing right to opt out, which also states that A consumer may exercise the right to opt out at any time, and 16 CFR 313.7 ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As stated herein, as well as the enclosed letter which clearly signifies my right to opt out as stated in 6802 ( b ) : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, has never disclosed this information to enable me as the consumer the opportunity to exercise the abovementioned Opt out rights afforded to me. This ongoing negative reporting is causing irreparable injury, embarrassment, emotional damage, stress and humiliation to me and my family by being denied of credit and my ability to prosperously move forward financially in life by their violations of the laws stated herein. It is also illegal to report any negative transaction history to the major credit reporting agencies which XXXX continues to illegally report to this day. 17 CFR 248.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose non-public personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX1977 from requirements of 433.2 ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. It is for the reasons stated herein and the protection of my rights as a consumer is why I am entitled to the opting out remedy and relief sought in the form of XXXX correcting the record by removing all negative reporting, and negative credit history via late payments from any and all credit reporting agencies records, including but not limited to XXXX, XXXX, Transunion which has caused irreparable harm, embarrassment, humiliation, mental anguish and undue financial hardships committed against me and should be granted in my favor.
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| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding to this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : //codes.findlaw.com/ca/code-of-civil-procedure/ccp-sect-1250-150.html # sthash.edZyWein.dpuf ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United State
s. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor. 2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CORPORATION/COMPANY NAME or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX XXXX Federal Trade Commission
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| 06/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding to this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : //codes.findlaw.com/ca/code-of-civil-procedure/ccp-sect-1250-150.html # sthash.edZyWein.dpuf ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CORPORATION/COMPANY NAME or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX XXXX Federal Trade Commission
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| 05/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, TRANSUNION, XXXX REALLY NEEDS SOMEONE TO OVER SEE HOW THEY'RE RUNNING THESE BUSINESSES. I HAVE 2 COLLECTIONS ACCOUNTS THAT I HAVE NO KNOWLEDGE OF I HAVE SENT BOTH COLLECTIONS AGENCIES A DEBT VALIDATION LETTER BECAUSE I HAVE NO CLUE OF THE DEBT BECAUSE I NEVER HAD A ACCOUNT WITH THE ORIGINAL CREDITOR CERTIFIED MAIL 6 TIMES I RECEIVED NO REPLY I SENT ALL 3 BUREAUS LETTERS TOO. THEY DIDN'T INVESTIGATE THE ACCOUNTS PROPERLY BECAUSE IF THEY HAD THEY WOULD'VE DISCOVERED THE ACCOUNTS ARE NOT MINE. THE 3 BUREAUS OR IN VIOLATION OF MY CONSUMER RIGHTS FOR THE COLLECTIONS ACCOUNT WITH COMPANIES -XXXX XXXX AND XXXX XXXX by NOT providing me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified .The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. AND THE COLLECTION AGENCIES ARE ALSO VIOLATING MY RIGHTS .THEY THINK E CONSUMERS ARE XXXX AND THEY CAN JUST XXXX US OVER WHILE RUINING OUR LIVES. I SENT THE BUREAUS A LETTER EXPLAINING I WAS not happy with the way your company is handling my disputes. THEY sent me SEVERAL LETTERS stating that the accounts were verified but said nothing on how the account was verified.sent me no documents or information that THEIR company relied on to verify the accounts XXXX XXXX & XXXX The accounts are problematic and the need to be re investigated.Its THEIR duty mandated by law, to re investigate any dispute sent by consumers. The furnisher never provided any proof to me that that account listed above was reported 100 % accurate. THEY ARE NOT MY ACCOUNTS THE COLLECTIONS AGENCY IGNORED MY REQUEST TO VALIDATE, I ASKED THE COLLECTIONS AGENCIES In an effort to settle this matter in the most efficient possible manner, I hereby CONDITIONALLY ACCEPT your demand for payment in the above named matter upon your complete and total fulfillment of the following conditions : Condition # 1. A Notarized copy of the ORIGINAL WET INK SIGNED CONTRACT and all other supporting documentation that give rise to and lawfully support the alleged obligations your firm now claims is owed.
Condition # 2. Provide me with a sworn and notarized Affidavit, signed under Penalty of Perjury as follows : a. That your client is the bona fide party in interest and Holder in Due Course of the aforementioned Contract, and that they can and will further produce said ORIGINAL WET INK SIGNED CONTRACT in Condition # 1 above.
b. The names, addresses, dates and durations of time during which any and all persons, Corporations, associations, legal firms or any other parties and/or entities who may have had or presently now have any interest in the collection or legal proceedings regarding this alleged obligation.
c. That as a claimed debt collector, you have not purchased evidence of this alleged debt and are proceeding solely in the name of the original contracting party or parties.
d. That you know, understand and agree that certain clauses in a contract of adhesion are unenforceable unless the party to whom the contract is extended could have selectively rejected the clause.
e. That both you and your firm have taken reasonable and prudent due diligence to verify that the amount claimed as owed is, in fact, a legitimate and bona fide debt, prior to instigating this action and making said claim, and that all relevant correspondence, challenges, denials and counter claims by me have been fully and thoroughly reviewed by and adequately answered by your firm both prior to and since initiating this claim.
f. That since initiating this claim, your firm, or associates under your employ, did not contact me at my residence more than three times in any given week or at any other unreasonable time or in any unreasonable manner.
g. That you, your firm or associates under your employ, did not fail to identify themselves as a debt collector in any manner or at any time pertaining to this alleged claim.
Condition # 3. Provide written verification in the form of a signed, sworn and Notarized Affidavit from the stated creditor that you are authorized to act on their behalf in this alleged debt collection action.
Condition # 4. Provide the total account and general ledger statement showing the full and complete Accounting of the alleged obligation you are attempting to collect from me, signed and sworn to by the authorized person responsible for maintaining these records and having first-hand knowledge as to their accuracy and authenticity, and are able and willing to testify to same under oath to that effect.
Condition # 5.Provide Certified and Notarized copies of documents showing that you are or represent a bona fide creditor in a collection process to include : a. A notarized copy of certified documents evidencing that you are allowed to conduct business in the State of LOUISIANA as a collection agency.
b. A notarized copy of the Bond on file with the State of LOUISIANA allowing your firm to operate as a collection agency.
c. A notarized copy of the assignment letter including production of the signatures and status showing your firm as holders in due course of the alleged claim.
Condition # 6.Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally make me liable for this alleged debt.
Condition # 7.Provide the statutes and enforcing regulations, both Federal and State, which clearly and unequivocally allow for the collection of this alleged debt.
Condition # 8.Provide proof that your Notice of Debt Collection, is authorized by such Statutes and enforcing Regulations.
Condition # 9.Provide proof of all relevant signatures and your status as Holders in Due Course of this alleged claim.
Condition # 10. Provide the name ( s ), address ( es ) and telephone number ( s ) of the bona fide creditor ( s ) pertaining to this alleged debt.
Condition # 11. If you are acting as an Agent, provide certified copies of the registered claim upon which you are collecting, showing the name ( s ) of any and all debtors and the respective bona fide creditor ( s ) as the secured party ( s ).
Condition # 12. Provide the national and regional credit and debit card network Rules and Regulations governing electronic payments and ATM transactions ; specifically the production of all versions of the manual in each case for each service/ buyer/ successor/ transferee regarding this alleged claim.
Condition # 13. Provide a sworn and Notarized Affidavit, signed under Penalty of Perjury, that all the Rules and Regulations of the National and Regional credit and debit card network Rules and Regulations were never, at any time, violated or circumvented to the detriment of the Affiant pertaining to this alleged claim.
Condition # 14. Provide verifiable proof that any actual money was ever created or loaned to me by the named creditor ( s ) whom you claim to represent, and not mere bookkeeping entries that were made by them in an attempt to establish the alleged obligation or debt, and in which case, this entire matter would constitute fraud on their part, as well as now yours.
NOTICE : Contacting me again without first properly documenting that I have any obligation to you or your claimant pertaining to the above referenced account number, after Verifiable Receipt of this Notice of Conditional Acceptance, will establish and constitute that you deliberately intend to use interstate communications in a scheme of fraud by using further threats, intimidations, deceptions and/or enticements to coerce me to commit some act creating a legal obligation and/or disability where none exists, previously or presently, as well as constituting that you and/or your firm knew or should have known that by such communication, what you have heretofore attempted to do was, and is, false and therefore unlawful. Moreover, until or unless you have fully satisfied all of my demands and claims as stated herein and previously, as well as provided by numerous laws and regulations, both Federal and State, pertaining to this alleged claim, which the courts and/or others who rely upon such written communication may well judge such acts by you as deliberately intended to impair or damage my credit rating, my reputation, my standing in the community as well as to intentionally inflict financial and emotional harm upon me, and assure you that you do so at your own peril and risk.You have twenty one ( 21 ) days from receipt of this Conditional Acceptance to respond on a point-by- point basis, via sworn Affidavit, under your full commercial liability, signing under penalty of perjury, that the facts contained therein are true, correct and complete, and not misleading in any manner whatsoever. Declarations are an insufficient response, as declarations permit lying by omissions, which no honorable draft may contain.Your failure to accept my Conditional Offer of Settlement by producing each and every requested answer, record and/or documentation, or in the alternative, sending me written withdrawal of your claim, ( summary judgment ), will constitute your stipulation that I have noduty or obligation to any portion of the above aforementioned debt whatsoever, and that you have no right or basis to pursue any further collection.Be advised that notice to any agent in your firm or under your employ regarding this Conditional Offer of Acceptance in considered notice to any and all principals. Further, your failure to fully and completely respond on a point-by-point basis, as well as ANY ACTIVITY by you or your Firm to secure payment with a Writ of Garnishment, before responding to this Conditional Acceptance, shall be deemed as an Agreement with the facts as stated in the attached Affidavit, and shall be further deemed an Automatic Dishonor of this Conditional Acceptance and your Agreement by you and/or your firm to the immediate payment of {$75000.00} USD, payable to ME as compensating damages.Signed from without the United States in accordance with 28 U.S.C., Sec. 1746 ( 1 ). All rights are reserved without prejudice, UCC 1-207 and RCW 62A.1-207.
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
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| 03/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Since my complaint on XX/XX/XXXX below so many things have taken place. The things that changed are listed below : 1. XXXX XXXX and XXXX XXXX continue deceptive marketing of XXXX XXXX Credit card financing by saying that the financing be it 6 months, 12 months, 18 months or 24 months is NO INTEREST AND NO PAYMENT. I confirmed this as late as this month and when I probed the sales representative he told me that you are only required to pay a minimal amount. 2. The charge on the closed XXXX XXXX Card was actually for my Kitchen project but I was told that THE FINANCING WAS FOR 6 MONTHS NO INTEREST AND NO PAYMENT. 3. UNFORTUNATELY FOR ME, THIS PROJECT WAS COMPLETED IN XXXX OF XXXX, AND THIS MONTH WAS THE TIME, MY ONLY SISTER AND FAMILY MEMBER LIVING WITH ME WAS DIAGNOSED WITH XXXX XXXX XXXX XXXX. WITH THE DECEPTIVE INFORMATION PROVIDED BY XXXX XXXX, ( PROGRAMMING MYSELF TO PAY THE CHARGE OFF BY SIX MONTHS ), AND RUNNING AROUND TO SAVE MY SISTER 'S, XXXX XXXX CONTINUED TO PILE DELINQUENT CHARGES ON THAT CARD. MY SISTER FINALLY LOST THE FIGHT FOR HER LIVE IN XXXX OF XXXX. 4. THE SAME THING THAT HAPPENED IN XXXX WITH MY XXXX XXXX XXXX XXXX CARD ( DECEPTIVE 18 MONTHS NO INTEREST AND NO PAYMENT PROMOTIONAL FINANCING ) HAPPENED AGAIN IN XXXX OF XXXX AND XXXX OF XXXX WITH MY XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX CREDIT CARDS. THE DIFFERENCE THIS TIME WAS THAT I WAS NOT CAUGHT UP IN TRYING TO SAVE MY SISTER 'S LIVE AND SECONDLY I FILLED FOR A BUSINESS LINE OF CREDIT, WHICH BROUGHT OUGHT THE DELINQUENT REPORTINGS IN MY CREDIT REPPORT. I HAVE SINCE PAID OFF ALL THE BALANCE IN THE XXXX XXXX XXXX XXXX CARD AND SET UP A RECURRING MONTHLY PAYMENTS TO THE XXXX XXXX XXXX XXXX CARD. 5. NON OF THESE DELINQUENT CHARGES WOULD HAVE NOT OCCURED IF XXXX XXXX XXXX XXXX SALES REPRESENTATIVE DID NOT USE DECEPTIVE MARKETING OF " NO INTEREST AND NOPAYMENT FINANCING '' TO LURE ME TO CHARGE THAT AMOUNT ON THE CARD. 6. I ALSO REALIZED THAT THOSE DELIQUENT REPORTING WERE IN MY ; TRANSUNION, XXXX ANG XXXX CREDIT REPORTS. I HEREBY SOUGHT YOUR ASSISTANCE THROUGH THE ABOVE CREDIT REPORTING AGENCIES TO PURGE ALL DELINQUENT REPORTING ON DATES LISTED IN MY XX/XX/XXXX COMPLAINT FROM MY CREDIT REPORT TRANSUNION, XXXX AND XXXX ). I WILL ALSO URGE CFPB, TO CENSURE XXXX XXXX AND XXXX XXXX AGAINST FUTURE DECEPTIVE PROMOTIONAL FINANCINGComplaint Filled on XXXXis listed below : Good afternoon, My name is XXXX XXXX and I reside in XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Email address and telephone number are : XXXX and XXXX respectively. My complaints are with XXXX XXXX Credit Card ( Through XXXX XXXX ) and another XXXX XXXX Credit Card ( Through XXXX XXXX ). XXXX XXXX Credit Card ( Through XXXX XXXX ) AC # : XXXX ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX wrongly placed late payments on my credit reports. I was never away that such information was on my credit report because they were wrong. I happened to apply for line of credit and I was informed of the late payments that was reported in my credit report. They told me that I can obtain a free copy of my credit report. When I did, I discovered that the reporting was through XXXX XXXX who recently closed that account without notifying me. All the projects I had had with XXXX XXXX in the past was always 24 months, NO INTEREST and NO PAYMENTS and usually I set up a recurring payments from my bank to take care of all the payments before the 24 months due date. I contacted XXXX XXXX credit card who identified themselves as XXXX XXXX. I immediately informed them of the incorrect reporting by them on my credit report, they offered to send me copies of the invoices because prior to that those invoices were never sent to me. At the time of that request XXXX XXXX was operation two cards with XXXX XXXX under my name but shortly after the call, they now refer to that account as closed but no reason was provided to me as to why it was closed and when that took place because as of XX/XX/XXXX, I made purchases at XXXX XXXX with the card. When I finally got the invoices, I contacted XXXX XXXX to let them know that the information they have on my credit report was wrong and that they should remove those from my report but they said I should contact the credit bureau to have them remove that. I again contacted them today, after noticing the same pattern with a recent transaction with my XXXX XXXX, XXXX XXXX credit card. This time they told me the account is closed that they will not adjust their reporting. Please this looks like fraud by XXXX XXXX because the same thing is happening with my XXXX XXXX credit card managed by XXXX XXXX. On both occasions I was offered 24 months and 18 Months No Interest and No payments. On both occasions my invoices were never mailed and both occasions involved closing my old accounts without notification and sending me new credits cards. Below is what happened with my XXXX XXXX credit card. XXXX XXXX Credit Card ( Through XXXX XXXX ) Ac # : XXXX : In XXXX of XXXX, I purchased a television from XXXX XXXX and I was told that I was getting 18 months No Interest and No Payment for the purchase. Shortly after that, I received a credit card from XXXX XXXX and since I had a credit card from XXXX XXXX like XXXX XXXX, I did not activate the card. Meanwhile in I set up a recurring payment to take care of the purchase cost before the 18 months. Suddenly, I started receiving voice mail to go online and review my XXXX XXXX - XXXX XXXX credit card. That sounded strange because the message never mentioned payment due and as long as I know the purchase was No Interest and No payments and more over I have not received any invoice from XXXX XXXX or XXXX XXXX regarding my purchase. It wasn't until I realized what XXXX XXXX did to my credit report that I decided to contact them, To my surprise when I contacted them they said my account was overdue and was under collection. At this point I have sent {$200.00} to my XXXX XXXX account which I thought was still current. I told them that they do not know what they are talking about, first I reminded them that my purchase was 18 months No Interest and No Payment and the account can not be overdue. Secondly, I reminded them that I sent {$200.00} to them and another payment of {$200.00} was scheduled to be made by my bank of XX/XX/XXXX. They said they did not receive anything and was trying to get me to make a payment of {$100.00}. At that time I thought I was speaking with fraudsters so I hung up. I then went back to the new card XXXX XXXX sent me which was not activated and called the customer service number listed on that card. When the representative came I narrated everything that has taken place and she said that the purchase was set up for No Interest but monthly payments were required. Then I asked her why they have not sent me any invoice since that purchase, but she could not answer that question. When I enquired about the {$200.00} I sent, she said that they have not received anything from me. At that time I had the information where the {$200.00} was sent in front of me, and that was how I found out that the account like XXXX XXXX credit card was also closed and that the card that was sent to me was my new account. I asked her whether she has access to the old account and she put me on hold and when she came back she said that the {$200.00} was in that old account. It was then that I realized that XXXX XXXX had accessed two late payment of thirty something dollars the new account. The only thing they told me was that they are sorry that they will wave one of the late payments now and asked me to call them back in XXXX to wave the other one, the reason I was meant to wait to wave the late charge due to their error beats me. As we speak I have not received a single invoice on my XXXX XXXX XXXX XXXX credit card. THIS CLEARLY LOOKS LIKE FRAUD BY XXXX XXXX. 1. They first offered No Interest and No Payment before purchase, then they turn around and start charging people late charges and putting ridiculous comments on peoples credit reports and if you are lucky you will detect it on time and sometimes pay additional money to clear your records. PLEASE I NEED YOUR HELP TO ADDRESS THESE FRAUDULENT ACTIVITIES.
Attached is the letter I received from XXXX on XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX spoke with XXXX XXXX, on XX/XX/XXXX spoke with XXXX XXXX and XXXX XXXX but none of were able to answer conflicting information on their letter : 1. Why did XXXX XXXX give me a NO INTEREST, and NO PAYMENT promotion knowing that XXXX offers only NO INTEREST?
2. Why did XXXX XXXX continue to accept charge on my credit card in XXXX of XXXX, when the account was allegedly closed by XXXX in XX/XX/XXXX?
3. When an account is allegedly closed for non payment as stated on the attached XX/XX/XXXX letter. All balance on the closed account will be immediately due : Why did the attached invoice from dated XX/XX/XXXX allegedly after the account was closed not reflect that the account is closed and ALL PAYMENTS ARE DUE IMMEDIATELY.
4. Why did XXXX XX/XX/XXXX letter state that a closed account was brought current for XX/XX/XXXX billing cycle for an account that was closed.
5. Why was the total amount of {$1800.00} ( {$1700.00} and {$100.00} ) that was paid on XX/XX/XXXX per XXXX letter which is different from {$230000.00} listed on the XX/XX/XXXX brought the account current and no other payments mentioned after that, meaning that that payment brought the account to XXXX balance?
6. Why did XXXX representative XXXX XXXX claim that I continued to make payment on the account but that was never mentioned in the letter?
7. When I asked XXXX XXXX why XXXX did not notify me that the account is closed and continue to accept charges on the account, he said XXXX that have to inform me of the closure of my account.
8. Why did XXXX revise the interest charge on my XXXX XXXX credit card revised in XXXX of XXXX?
9. Why did XXXX close my previous XXXX XXXX credit? Representative XXXX XXXX was not able to answer that?
IF ACTUALLY ADDITIONAL PAYMENTS WERE MADE TO MY XXXX XXXX ACCOUNT AFTER THE XX/XX/XXXX PAYMENT, THAT IS AN AMOUNT THAT SHOULD BE REFUNDED TO ME. GIVING THAT MY SISTER WAS SERIOUSLY ILL AND PASSED AWAY DURING THAT PERIOD, IT IS POSSIBLE THAT XXXX FRAUDULENTLY COLLECTED MORE MONEY THAN I OWED THEM, JUST AS THEY WERE GOING TO COLLECT, THE {$200.00} DOLLARS I PAID TO MY XXXX XXXX ACCOUNT AND TURNED AROUND TRYING TO COLLECT {$100.00} FROM ME. THERE IS SERIOUS FRAUD GOING ON HERE AND XXXX DOES NOT WANT TO ACCEPT WHAT THEY DID BECAUSE THAT WILL MEAN, REFUNDING EXCESS MONEY COLLECTED FROM. ME> XXXX REPRESENTATIVE OFFERED TO SEND A CAUTION TO XXXX XXXX AND XXXX XXXX WHERE I MADE PURCHASES BUT REFUSED TO REMOVE THE COMMENTS ON MY CREDIT REPORT AND LOOK INTO REFUNDING THE EXCESS MONEY I MIGHT HAVE PAID THEM.
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| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files.
For XXXX, 1. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
2. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
3. the date 's of last activity are inaccurate XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
4. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
5. I was never late on this account XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
6. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
7. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
8. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
9. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
10. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
11. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
12. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
13. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
14. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
15. this account has two completely different dates of last activity USDOEXXXX Account Number : XXXX Delete this account for reporting inaccurate information.
16. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
17. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
18. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
19. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
20. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
21. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
22. I was never late on this account XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
23. This was an illegal repossession followed by illegally reporting on my credit report this should have been investigated and corrected immediately.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
24. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
25. This was an illegal repossession followed by illegally reporting on my credit report this should have been investigated and corrected immediately.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report For XXXX 1. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
2. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
3. the date 's of last activity are inaccurate XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
4. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
5. I was never late on this account XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
6. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
7. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
8. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
9. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
10. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
11. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
12. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
13. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
14. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
15. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
16. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
17. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
18. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
19. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
20. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
21. This was an illegal repossession followed by illegally reporting on my credit report this should have been investigated and corrected immediately.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
22. This was an illegal repossession followed by illegally reporting on my credit report this should have been investigated and corrected immediately.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
For TRANSUNION 1. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
2. The high credit or original amount is being reported inaccurately XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
3. the date 's of last activity are inaccurate XXXX XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
4. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
5. remove for inaccuracy - this account reporting is completely inaccurate even though it is from 1 creditor XXXX XXXX Account XXXX : XXXX Delete this account for reporting inaccurate information.
6. I was never late on this account XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
7. I was never late on this account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
8. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
9. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
10. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
11. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
12. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
13. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
14. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
15. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
16. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
17. this account has two completely different dates of last activity USDOEXXXX Account Number : XXXX Delete this account for reporting inaccurate information.
18. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
19. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
20. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
21. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
22. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
23. the date 's of last activity are inaccurate US DEPT ED Account Number : XXXX Delete this account for reporting inaccurate information.
24. This was an illegal repossession followed by illegally reporting on my credit report this should have been investigated and corrected immediately.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
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| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AMENDED AND CORRECTED COMPLAINT TO COMPLAINT # XXXX Submitted to the CFPB on XX/XX/XXXX. PLEASE USE ALL PREVIOUSLY SENT ATTACHMENTS FOR THIS CURRENT UPDATED COMPLAINT It has come to my attention that XXXX is currently in violation of the Privacy Act of 1974 which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). XXXX has been in violation of this Act and has been regularly reporting negative activity via late payments without my consent, and has caused irreparable harm and injuries to me in violation of the abovementioned Act and as stated in 15 U.S. Code 6801 - Protection of nonpublic personal information which states : ( a ) Privacy obligation policy - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards - In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. In addition to 15 U.S. Code See Also 6805 Enforcement ( a ) WHICH STATES THAT : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the XXXX XXXX XXXX XXXX XXXX, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, and ( b ) ENFORCEMENT OF SECTION 6801 ( 1 ) Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the XXXX XXXX XXXX XXXX XXXX, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Therefore, it is within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ) to enforce this/these Act ( s ) to ensure the protections of all consumers. SEE ALSO 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information under : ( a ) Notice requirements which states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. According to 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( e ) Time to comply with opt out. Which states that : You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it., and 16 CFR 313.7 ( f ) Continuing right to opt out, which also states that A consumer may exercise the right to opt out at any time, and 16 CFR 313.7 ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As stated herein, as well as the enclosed letter which clearly signifies my right to opt out as stated in 6802 ( b ) : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, has never disclosed this information to enable me as the consumer the opportunity to exercise the abovementioned Opt out rights afforded to me. This ongoing negative reporting is causing irreparable injury, embarrassment, emotional damage, stress and humiliation to me and my family by being denied of credit and my ability to prosperously move forward financially in life by their violations of the laws stated herein. It is also illegal to report any negative transaction history to the major credit reporting agencies which XXXX continues to illegally report to this day. 17 CFR 248.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose non-public personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of XXXX ( a ). ( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses. ( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1. ( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended. ( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit. ( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract. It is for the reasons stated herein and the protection of my rights as a consumer is why I am entitled to the opting out remedy and relief sought in the form of XXXX correcting the record by removing all negative reporting, and negative credit history via late payments from any and all credit reporting agencies records, including but not limited to XXXX, XXXX, Transunion which has caused irreparable harm, embarrassment, humiliation, mental anguish and undue financial hardships committed against me and should be granted in my favor.
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| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX XXXXXXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
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| 10/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The Fair Credit Reporting Act ( FCRA ) requests the Credit Reporting Agencies to have physical copies in their files of documentation to support each account being reported on. I am also aware the that the creditor pays the credit bureau to report a negative item and the creditor also pays the credit bureaus each time they pull a consumers credit report. I am also aware that credit bureaus are a for profit business and they are paid to put items on a consumers credit report and they are also paid when that same creditor pulls a consumers credit report. This is a conflict of interest because any creditor can essentially report whatever they want about a consumer whether it is correct or not. I know that the FCRA is supposed to protect the consumer and govern the activities of the Credit Reporting Agencies as well as regulate how they report information about a consumer. I have studied this Federal Law and also studied the case law established in various court cases pertaining to various sections of the FCRA and the FCRA requires that all Credit Reporting Agencies ARE SUPPOSED TO VERIFY ALL INFORMATION RECEIVED from the creditors BEFORE this information is added to a consumers credit file.
Proper verification according to established case law involves the credit bureau having copies of the original signed credit application in their files. That means the credit bureau is required to have a copy of my credit application that I signed when I opened a credit account with the creditor in their files. The credit bureaus is supposed to have it in their files to show that they have indeed verified the information and the account belongs to me and to show that they verified the information before they placed it on my credit report.
Page 35 of the FCRA : 609 : Disclosures to consumers ( 15 U.S.C. 1681g ) ( a ) Information on file ; sources ; report recipients, Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : - Paraphrase : The information in the credit bureaus files ( not the creditors files ), mentioned about, is the information that the credit bureaus store in their computer base on every consumer. Then 610 ( a ) ( 1 ) [ 1681h ] identifies the proper identification required ( drivers license and SS card ) plus a written request by the consumer. Basically this law says that if a consumer asks the correct way, in writing, and has properly identified themselves, the XXXX bureaus are required to disclose to the consumer exactly what documents are stored within their computer base that were used to verify the information that is being reported on them. FOR THAT I AM NOT REQUESTING ANY DOCUMENTS FROM THE ORIGINAL CREDITOR I AM REQUESTING THE DOCUMENTS / VERIFICATION COME FROM YOU THE CREDIT BUREAU.
Page 37 of the FCRA : ( 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section Paraphrase : This means the credit bureaus will disclose the information requested to the consumer.
Page 37 of the FCRA : ( 2 ), ( E ), a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, UNLESS the information is outdated under section 605 or CAN NOT BE VERIFIED. Paraphrase : There are XXXX instances revealed in subsection ( 2 ), ( E ), whereby accurate derogatory information can be removed. 1. ) If the information is outdated in Section 605.
The law requires the credit reporting agency to verify the credit information not the creditor. According to the FCRA, if a credit file is going to be reported on a consumers report it has to be properly verified BY THE CREDIT BUREAU. The FCRA states that the bureaus are the ones that have to keep this verification on file. This is in Section 609 of the FCRA and backed up by various established case law that the credit bureaus are required to send me a copy of the documents that they used to verify the account that I am disputing.
If you do not send me a copy of the document ( s ) used to verify the accounts that you are reporting then that means that you did not verify the account and the FCRA states that you are required to delete all unverified items.
I am challenging your right to report. I am requesting proof of verification that is supposed to be in your files. If I do not receive this information from you then I will begin to exercise all legal remedies available to me under the FCRA.
You have already admitted in your response back to me that you now have to reach out to the creditors to verify information which is something that you should have done before these items were placed on my credit report. I do not have to contact the creditors because the information should have been verified as accurate before TransUnion made the decision to place this negative information on my credit report. That puts the burden of proof on TransUnion and not the consumer. All investigations were not previously performed in accordance with all applicable laws, policies, and procedures. You now admit that because now TransUnion has to reach out to creditors to verify if the information that was provided is accurate or not. That alone is a violation of the FCRA. I will not be requesting money from you, my attorney will once this information is provided that TransUnion never did their due diligence with the records they are supposed to maintain in your credit files. The inquiries on my credit report are not supposed to be there. I did not provide those companies my personal information. Those companies do not have any record of me doing business with them, therefore those companies should be deleted off of my credit report. You states that Credit information may be requested only for the following permissible purposes : credit transactions, employment consideration, review or collection of an existing account or other legitimate business need, insurance underwriting, government licensing, rental dwelling, or pursuant to a court order, however I have participated in neither of these things and can prove this a court of law. If TransUnion does their job during a proper investigation and reaches out for the correct information you will find that what I just said is true. Those companies will have no record of doing business with me, therefore they should not be listed on my credit report. My written authorization is very much required to constitute permissible purpose. This is my social security number, my personal information we are speaking about and if I advise you that I did not provide this information to these companies then you need to investigate properly and make them provide you the documentation showing the proof that I did being that TransUnion is the credit bureau reporting this information on my credit report defaming me. My signature is very well required to obtain any of my personal information and for TransUnion to respond to me saying that it is not is complete shows me that there is a problem with your reporting method. Therefore I am challenging TransUnion right to report.
Any automated response or e-oscar verification is unacceptable. I DO NOT CONSENT TO E-OSCAR VERIFICATION. I am requesting a reinvestigation and your METHOD OF VALIDATION. I am aware that the credit bureaus employ all sorts of interesting automated tactics in an attempt to deal with deadlines. Yet many times the computerized methods fail to do their job properly. According to the law, the burden of proof is on the credit bureau and not the furnisher of the information and most importantly NOT THE CONSUMER ( ME ).
All records in TransUnion files under my SSN should be correct and have my signature.
Furthermore, if at any time the account is validated I am requesting TransUnion METHOD OF VALIDATION pursuant to the FCRA, including the name of the person with whom TransUnion spoke, who has first-hand knowledge of the accounts in question I am maintaining a careful record of my communication with you for the purpose of filing a lawsuit against TransUnion should you continue in your non-compliance. I further remind you that, as in Wenger v. TransUnion Corp. No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. YOU ARE NOT COMPLYING WITH MY REQUEST FOR INFORMATION TRANSUNION IS MAINTAINING IN THEIR FILES. NOT THE CREDITORS YOU REPORT FOR. I DO NOT WANT TO BE CONTACTED VIA CREDITOR. I DO NOT WANT A CREDIT REPORT SENT TO ME AS AN ANSWER. I WANT YOU TO RESPOND BACK TO VIA THE CONSUMER FEDERAL PROTECTION BUREAU.
I am requesting the following be deleted and blocked : XXXX XXXX XXXX # XXXX XXXX # XXXX ACCEPTANCE NOW # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX # XXXX I am requesting the following inquiries be removed for if you properly investigate you will find that none of the companies listed have a record or any documents bearing my signature giving them the right to inquire about my credit : XXXX XXXX XXXX XXXX XXXX XXXX of XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lending XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also in response to the addresses that you have on file or me those should also be removed for they are not deliverable addresses to me per the FCRA. XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX following phone numbers should be removed for I have never owned these numbers and if you investigate properly you will find that you will not be able to find a contract listed to me for these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove the duplicate Employer name of XXXX There should only be XXXX XXXX listed on my credit report under the XXXX XXXX. I sent this same request over to Transunion per certified ( now a legal document ) letter. The Certified receipts are as follows : XXXX Received by TransUnion on XXXX/XXXX/XXXX XXXX - Received by TransUnion on XXXX/XXXX/XXXX XXXX - Received by TransUnion on XXXX/XXXX/XXXX. I also sent a dispute to XXXX XXXX and they have not sent me any of the things that I requested in the validation letter. Therefore XXXX needs to be deleted.
This is my final goodwill response before I turn this matter over to a consumer rights attorney for TransUnion willful noncompliance.
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| 06/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act, the Account # 's below, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account Name Account Number Balance Monthly Payment XXXX XXXX XXXX {$1400.00} - - - XXXXXXXX XXXX XXXX XXXX {$0.00} - - - XXXX XXXX XXXX XXXX {$5500.00} - - - XXXX XXXXXXXX XXXX XXXX {$5300.00} - - - XXXX XXXXXXXX {$0.00} XXXX - - XXXX XXXX XXXXXXXX {$0.00} - - XXXX XXXX XXXX XXXX XXXX {$4000.00} {$0.00} XXXX XXXX XXXX XXXX {$2000.00} - - - XXXX XXXX XXXX XXXX XXXX {$8300.00} - - - XXXX XXXX XXXX {$6100.00} - - - XXXX XXXX XXXX {$2100.00} - - - In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XXXX XXXX Balance {$1400.00} Balance updated XX/XX/XXXX Credit limit $ 0 Monthly payment - Past due amount {$1400.00} Highest balance - Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account info Account name XXXXXXXX XXXX XXXX Account number XXXX Original creditor - Company sold XXXX XXXX XXXX.
Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Credit limit {$5600.00} Monthly payment - Past due amount {$0.00} Highest balance - Terms Revolving Responsibility Individual In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account name XXXXXXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance {$5500.00} Balance updated XX/XX/XXXX Credit limit {$4800.00} Monthly payment - Past due amount {$5500.00} Highest balance - Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account name XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XXXX XXXX Balance {$5300.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} Monthly payment - Past due amount {$5300.00} Highest balance - Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account name XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Credit limit {$6500.00} Monthly payment - Past due amount - Highest balance - Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account name XXXX XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Account status Closed Payment status Charge-off Status updated XX/XX/XXXX Balance {$4000.00} Balance updated XX/XX/XXXX Original amount {$4000.00} Monthly payment - Past due amount {$4000.00} Highest balance - Terms Unknown Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account name XXXX XXXX XXXX XXXX Account number XXXX Original creditor - Company sold - Account type Credit Card Date opened XX/XX/XXXX Account status Closed Payment status Paid, was past due 150 days Status updated XX/XX/XXXX Balance - Balance updated XX/XX/XXXX Credit limit {$4000.00} Monthly payment - Past due amount - Highest balance {$4000.00} Terms Revolving Responsibility Individual Your statement In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX sold - Account type Collection Date opened XXXX XXXX, XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XXXX XXXX Balance {$2000.00} Balance updated XX/XX/XXXX Original balance {$2000.00} Paid off 2 % Monthly payment - Past due amount {$2000.00} Terms 1 Month Responsibility Individual In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$8300.00} Balance updated XX/XX/XXXX Original balance {$8300.00} Paid off XXXX % Monthly payment - Past due amount {$8300.00} Terms 1 Month Responsibility Individual In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXX Original balance {$2100.00} Paid off XXXX % Monthly payment - Past due amount {$2100.00} Terms 1 Month Responsibility Individual In accordance with the Fair Credit Reporting act Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXXXXXX XXXX XXXX Company sold - Account type Debt Buyer Date opened XX/XX/XXXX Account status - Payment status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status updated XX/XX/XXXX Balance {$6100.00} Balance updated XX/XX/XXXX Original balance {$6100.00} Paid off XXXX % Monthly payment - Past due amount {$6100.00} Terms 1 Month Responsibility Individual Remove Inquiries XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XXXX XXXX, XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX Employers XXXX Occupation OWNER Date Hired XX/XX/XXXX Date Verified XX/XX/XXXX Delete accounts from credit report ***Re XXXX I got a letter from CFPB that I XXXX XXXX did not submit the complaint.
This is to confirm that I XXXX XXXX submitted this complaint and the prior one.
Please remove the illegally published accounts indicated above from my credit report
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| 11/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXXI Inquiry XXXX Phone Number XXXX XXXX All Banks - non specific XXXX Inquiry Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX Finance Companies - non specific XXXX. XXXX XXXX XXXX XXXX Inquiry Date XXXX Auto Financing Companies XXXX XXXX XXXX Inquiry Date XXXX XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XXXX Dispute Inquiry Type : Automobile Dealers, New XXXX XXXX Inquiry XXXX XXXX XXXX Automobile Dealers, New XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Automobile Dealers, Used XXXX these are all fraudulent inquiries that are from XXXX. I have called multiple times to speak with him about the inquiries that are on my consumer report. I was told that I couldnt file a dispute for these inquiries that are on my consumer report. These are the inquiries from Transunion I was told by Transunion that I couldnt file a dispute.XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Finance, personal XXXX Dispute XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Finance, personal XXXX XXXX Inquiry Date XXXX XXXX Finance, personal XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Finance, personal XXXX XXXX XXXX Inquiry Date XXXX XXXX Automotive XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX Department, variety, local, regional, and national chains XXXX Dispute Inquiry Type : Banks and XXXX & XXXX XXXX XXXX Inquiry Date XXXX XXXX Banks and XXXX & XXXX XXXX and these are the inquiries from XXXX as well. I called him, contacted him and try to have these inquiries removed, which were fraudulent and I over and over went over it with him about how theyre fraudulent. XXXX XXXX XXXX XXXX Inquiry Date Removal Date Type Phone Number XXXX XXXX All Banks No Phone Provided Dispute Inquiry Type : XXXX XXXX XXXX XXXX Inquiry Date Phone Number XXXX XXXX Credit Unions Inquiry Type : Auto Financing XXXX XXXXXXXX Inquiry Date XXXX XXXX. XXXX, and XXXX.and Transunion According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. To Whom It May Concern : Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed ( XXXX XXXX ) ( VIOLATION UNDER FCRA {$1000.00} ). 15 US C 1681 section 602 A. States I have the right to privacy. ( VIOLATION UNDER FCRA {$1000.00} ) 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written {$1000.00} ) 15 U.S.C 1692c ( VIOLATION UNDER FCRA {$1000.00} ). Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. ALSO, FAILURES TO BLOCK ALL INFORMATION OBTAINED FROM IDENTY THEFT 15 USC 1681c-2 ( VIOLATION UNDER FCRA XXXX ) am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( Debt collector name ) is attempting to collect a debt from I. the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( Debt Collector name ) furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constilutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( Debtcollector name ) for the account opened ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.
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| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom It May Concern ; I write this to formally dispute what I consider a gross error on my credit report.
XXXX XXXX, who the holder of my auto loan, has reported that I have been in arrears on my auto loan. I repeatedly attempted to pay through their telephone system, even with their personnel. My bank has verified that the information I submitted was correct and there were always available funds ( document A ). XXXX did not request the funds from my account until my third submittal, after I had paid the amount due in cash at a XXXX branch ( document B ).
XXXX has concluded there was no bank error, therefore they will not request amending my credit report even though I repeatedly attempted to pay through their system, with their representatives, answering their questions as asked, was in immediate response to every communication, have double paid, and have been to various branches repeatedly to resolve this issue.
This is a chronology of events : XX/XX/XXXX I made my XX/XX/XXXX payment of {$180.00} through their telephone system.
XX/XX/XXXX XX/XX/XXXX I received a letter from XXXX stating the payment was not received. I called twice on XX/XX/XXXX. I spoke with a XXXX representative each time. I asked that the late fee be waived. I volunteered to pay my XX/XX/XXXX payment ( 10 days before the due date ) ( {$XXXX} + {XXXX} ) to show I was not trying to shirk paying. I gave the information as requested from the representative. When I got off the phone I remember thinking, I guess he already has the routing number? He never asked me to give him all the numbers. But I assumed that since he was the representative, he was taking care of the payment. He knew what he was doing.
XX/XX/XXXX I received another letter stating now my XX/XX/XXXX and XX/XX/XXXX payments had not been received which I opened XX/XX/XXXX in the evening. I had just received two separate letters from XXXX regarding the updating of my information prior to this time. It is unfortunate this letter showed up a week or more later after the previous.
XX/XX/XXXX I called at XXXX XXXX California time and spoke with someone in XXXX. I gave him all the information as requested, which he repeated back to me, three times to verify its accuracy. He said it would take up to five days to post. I told him I was going to call every day and check my bank account to make sure it had posted.
XX/XX/XXXX I received an email alert from XXXX XXXX that my credit score had dropped 120 points.
I called XXXX. The representative recommended that I pull money from my ATM and walk it into a branch office. I did this, walking into XXXX Bank at XXXX XXXX XXXX XXXX in XXXX XXXX. I paid {$380.00}. I spoke with an associate, whose name was XXXX, who recommended I speak with a manager, who was not in at that time.
XX/XX/XXXX I went back to to the XXXX branch in XXXX XXXX, twice, to speak with the manager. The second time, the manager was still not available and I spoke with another employee. She was very nice and could only verify everything I already knew. At this time, the third payment I had submitted had not been posted. She wanted me to have an auto-payment instituted, but I declined. Once there is a problem with the system, it is a nightmare to correct the error. My current situation being a case in point. She recommend that I go to my banking institution, XXXX XXXX XXXX XXXX XXXX, get a letter verifying what my routing and account numbers were and that there funds available for the draw every time I attempted to make the payment.
XX/XX/XXXX The payments I made with the representative, XX/XX/XXXX posted. I was now paid in advance through the end of XX/XX/XXXX.
XX/XX/XXXX I received a letter from my credit union verifying the availability of funds for all dates requested.
I walked the letter into a XXXX branch on XXXX XXXX XXXX and spoke with XXXX XXXX. We faxed the request for inquiry. I believe she asked them to expedite the request. I believe I was told to check back on XX/XX/XXXX.
XX/XX/XXXX I walked into the XXXX branch on XXXX XXXX XXXX in XXXX XXXX to find out whether there had been resolution. The man I spoke with called and spoke to someone. He said he was only able to ascertain, they were not finished with their inquiry and would need until XX/XX/XXXX.
XX/XX/XXXX I came home to find a letter dated XX/XX/XXXX, stating XXXX : ... confirmed your account reported correctly and does not need corrections Besides being vague whether this was that my account balance had been made current and was no longer in default or if this was about the inquiry, since I had spoken with their representative on XX/XX/XXXX and was told the inquiry had not been completed and to wait until XX/XX/XXXX, it seemed as if this was about the balance, not the inquiry. I will attach it separately.
XX/XX/XXXX I called the XXXX number on the letter and spoke to a manager, XXXX. She told me the letter was about the inquiry. The bank had found no bank error so the negative report on my credit report would stay. The initial representative told me, the bank would not, as a COURTESY, remove the notice. I could not speak to someone in the review division regarding this.
I drove to XXXX and spoke with a man at the XXXX XXXX XXXX branch about what I could do. He recommended that I come in the next day and speak with XXXX because I had initially spoke with her.
XX/XX/XXXX I came in and spoke with XXXX. Because I repeatedly had come back to XXXX to pay, they never had to come looking for me, she thought I should be able to appeal on the executive level. She would reach out to them and someone would get back to me in 24-48 business hours. This was a Friday. It would be Monday or Tuesday before I heard from someone.
XX/XX/XXXX A representative of XXXX XXXX called me. I spoke with XXXX who facilitated a conference call between us and XXXX, a representative of the reviewing agency. I told them I thought the problem was in the second call I had made to attempt to pay. The representative had asked me for my account number and then whether there were zeros before the number. He never asked for the full account number. I thought this was where the problem lay. I was told they would listen to the tape and that someone would get back to me within 24-48 hours. I asked that I receive a copy of the recordings that had been made. It was not possible but, I was told I could have the transcript of the events as they had them as they occurred. I have never received them.
XX/XX/XXXX The 48 hour mark passed.
XX/XX/XXXX I called XXXX and left a voicemail because no one had called me. She returned my call and said she would look into it and have someone call me back. No one called.
XX/XX/XXXX I called XXXX, twice and left voicemail messages. She never returned my calls.
XX/XX/XXXX I called XXXX and left a voicemail. She never returned my call.
XX/XX/XXXX I called XXXX and left a voicemail. She never returned my call.
XX/XX/XXXX I came into XXXX and spoke to XXXX. No one was responding to my phone calls. I had been told I would have a response in 24-48 hours. She called someone, ascertained a manager would be there the next day XX/XX/XXXX and that the recording in question would be reviewed and she would have an answer on Monday.
XX/XX/XXXX XXXX called me. The tape had been listened to. She had heard it. That which was in question was the exchange between their representative and myself. He had asked me for my account number When anyone asks me for my account number at my credit union I tell then XXXX. This is what I told him. He asked where there any zeros before it. I said yes, there were 5 zeros. He never asked me to give him the entire account number. The representative in XXXX asked me to repeat the routing number and the full account number from the colon, three times. This representative never asked me for this : Because he never asked me to verify all the numbers at the bottom of my check, Because I didnt ask him, dont you want me to give you all the numbers at the bottom with the routing number?
Because he did not verify the accuracy of the information I gave him, Because I only answered his questions as he asked them of me, the information was entered incorrectly and without notification until after the due date, my account became over 30 days late.
For 29 months this account was paid on time. This is the only time I have ever been considered late, even though I was repeatedly attempting to pay through Chases system. I have never had a late payment on my credit score, and I am XXXX years old.
I have been assiduously nurturing my credit score.
My son and I lost our home in the XXXX Fire in XX/XX/XXXX. No one was home to evacuate. We lost everything.
I have been working on rebuilding our home for the past five years. It has been an extremely difficult process. The insurance was difficult. The mortgage holder was difficult. The general contractor I had been required to hire before the plans were finished, was more than {$200000.00} over bid after all the financial numbers had been secured. I fired him and am now my own general contractor. I have been working very hard to bring the construction costs down and had gotten them to an almost manageable amount. Because no one would give me a construction loan or a HELOC on an unfinished home, I have had a rough time finding a lender to finance the amount I need to finish construction.
I finally found a lender. I was getting ready to hand in all of our paperwork the beginning of XXXX. Now because of this miscommunication, this penalty is not just my credit score number but my ability to be able to get the money I need to finish rebuilding our home. Also, since this process began, the interest rate I was originally offered will not be valid because interest rates have risen.
It never was or has ever been my intention for these payments become late and show up on my XXXXdit score. The only reason I tried to use the phone system was that because of other exigencies, I did not mail the payment in time. It is advertised that one can make a payment over the phone. I was afraid I would be a day or two late. I had no idea it would become what it has become and jeopardize what I have been working toward for the past five years.
By the time I run out of funds, I will have invested {$530000.00} into the rebuilding of my home. Why would I do anything to jeopardize our lives like this?
I have attached supporting documents from my credit union, the cash payment receipt, the XXXX letter dated XX/XX/XXXX and phone records from XX/XX/XXXX through mid-day of XX/XX/XXXX ; calls to XXXX XXXX XXXX are highlighted. I do not have records from this month 's statement.
Thank you for your help, and I pray you can help me.
XXXX ( XXXX ) XXXX
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| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding me to a debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. XX/XX/XXXX) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. 1968ams/css/child_support_glossary.pdf FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28
USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy
of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your cli
ent that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the a
lleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. You are bound by law to provide this information u
pon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit report by you or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX
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| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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It has come to my attention that XXXX is currently in violation of the Privacy Act of 1974 which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
XXXX has been in violation of this Act and has been regularly reporting negative activity via late payments without my consent, and has caused irreparable harm and injuries to me in violation of the abovementioned Act and as stated in 15 U.S. Code 6801 - Protection of nonpublic personal information which states : ( a ) Privacy obligation policy - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards - In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
In addition to 15 U.S. Code See Also 6805 Enforcement ( a ) WHICH STATES THAT : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, and ( b ) ENFORCEMENT OF SECTION 6801 ( 1 ) Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Therefore, it is within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ) to enforce this/these Act ( s ) to ensure the protections of all consumers.
SEE ALSO 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information under : ( a ) Notice requirements which states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
According to 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( e ) Time to comply with opt out. Which states that : You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it., and 16 CFR 313.7 ( f ) Continuing right to opt out, which also states that A consumer may exercise the right to opt out at any time, and 16 CFR 313.7 ( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As stated herein, as well as the enclosed letter which clearly signifies my right to opt out as stated in 6802 ( b ) : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and co
nspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX, has never disclosed this information to enable me as the consumer the opportunity to exercise the abovementioned Opt out rights afforded to me.
This ongoing negative reporting is causing irreparable injury, embarrassment, emotional damage, stress and humiliation to me and my family by being denied of credit and my ability to prosperously move forward financially in life by their violations of the laws stated herein. It is also illegal to report any negative transaction history to the major credit reporting agencies which XXXX continues to illegally report to this day.
17 CFR 248.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose non-public personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least XXXX point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).
( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.
( b ) Definitions. The following definitions apply to this exemption : ( XXXX ) All pertinent definitions contained in 16 CFR 433.1.
( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.
( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.
( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract.
It is for the reasons stated herein and the protection of my rights as a consumer is why I am entitled to the opting out remedy and relief sought in the form oXXXX XXXX correcting the record by removing all negative reporting, and negative credit history via late payments from any and all credit reporting agencies records, including but not limited to XXXX, XXXX, Transunion which has caused irreparable harm, embarrassment, humiliation, mental anguish and undue financial hardships committed against me and should be granted in my favor.
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| 02/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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My Credit score has been compromised by three companies, XXXX, Transunion, and XXXX. The four criteria are : You have too many inquiries on your credit report.
I searched for the best rates and conditions when buying a house, isn't that a positive action for credit score?
Your largest credit limit on open bankcard or revolving accounts is too low.
Excuse me but isn't this a less responsible action than limiting the amount I can be responsible for?
The balances on your accounts are too high compared to loan amounts.
Well, I just bought a home with 20 % down and am being penalized for having a mortgage?
The date that you opened your oldest account is too recent.
That account was opened in XX/XX/XXXX, 35 years sorry XXXX wasn't my Dad.
Also they all four have my name spelled wrong, address wrong and XXXX didn't even have MY NAME in the report.
XXXX Very Good ( 716 - 747 ) XXXX XXXX XXXX based on data from XXXX XXXX Score is Updated Annually Score Reasons You have too many inquiries on your credit report.
Your largest credit limit on open bankcard or revolving accounts is too low The balances on your accounts are too high compared to loan amounts The date that you opened your oldest account is too recent XXXX Report Details Updated XX/XX/XXXX Credit Inquiries XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue.
Date Inquirer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX View More Report an Inaccuracy Last Updated XX/XX/XXXX Accounts Open/Active Accounts XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Paid Initial Balance {$160000.00} Remaining Balance {$160000.00} Account Details Type Mortgage Date Opened XX/XX/XXXX Remaining Balance {$160000.00} Minimum Monthly Payment {$1100.00} Date of Last Activity - Past Due {$0.00} Payment History Since XX/XX/XXXX, you've had : 4 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Used Credit Limit {$10000.00} Available Credit {$10000.00} Balance {$100.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$100.00} Minimum Monthly Payment {$35.00} Date of Last Activity - Past Due {$0.00} Payment History Since XX/XX/XXXX, you've had : 15 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX/XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 0 % Used Credit Limit {$8000.00} Available Credit {$8000.00} Balance {$0.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$0.00} Minimum Monthly Payment {$0.00} Date of Last Activity - Past Due {$0.00} Payment History Since XX/XX/XXXX, you've had : 25 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 39 % Used Credit Limit {$15000.00} Available Credit {$9400.00} Balance {$6000.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$6000.00} Minimum Monthly Payment {$60.00} Date of Last Activity - Past Due {$0.00} Payment History Since XX/XX/XXXX, you've had : 25 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX Credit Utilization Combined Account Balances {$170000.00} Latest XXXX report updated on XX/XX/XXXX Credit Card {$6100.00} Mortgage {$160000.00} Installments {$0.00} Other - Report an Inaccuracy Last Updated XX/XX/XXXX Credit Personal Information Names Reported No names available.
Date Of Birth XX/XX/XXXX Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Report an Inaccuracy XXXX Very Good ( 716 - 747 ) XXXX XXXX XXXX based on data from XXXX XXXX Score is Updated Annually Score Reasons You have too many inquiries on your credit report.
Your largest credit limit on open bankcard or revolving accounts is too low The balances on your accounts are too high compared to loan amounts The date that you opened your oldest account is too recent XXXX Report Details Updated XX/XX/XXXX Credit Inquiries XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue.
Date Inquirer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX View More Report an Inaccuracy Last Updated XX/XX/XXXX Accounts Open/Active Accounts XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Paid Initial Balance {$160000.00} Remaining Balance {$160000.00} Account Details Type Mortgage Date Opened XX/XX/XXXX Remaining Balance {$160000.00} Minimum Monthly Payment {$1100.00} Date of Last Activity - Past Due {$0.00} Payment History Since XX/XX/XXXX, you've had : 4 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Used Credit Limit {$10000.00} Available Credit {$10000.00} Balance {$100.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$100.00} Minimum Monthly Payment {$35.00} Date of Last Activity - Past Due {$0.00} Payment History Since XX/XX/XXXX, you've had : 15 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX/XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 0 % Used Credit Limit {$8000.00} Available Credit {$8000.00} Balance {$0.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$0.00} Minimum Monthly Payment {$0.00} Date of Last Activity - Past Due {$0.00} Payment History Since XX/XX/XXXX, you've had : 25 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 39 % Used Credit Limit {$15000.00} Available Credit {$9400.00} Balance {$6000.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$6000.00} Minimum Monthly Payment {$60.00} Date of Last Activity - Past Due {$0.00} Payment History Since XX/XX/XXXX, you've had : 25 On Time Payments 0 Past due or Delinquent View Full History Contact XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX Credit Utilization Combined Account Balances {$170000.00} Latest XXXX report updated on XX/XX/XXXX Credit Card {$6100.00} Mortgage {$160000.00} Installments {$0.00} Other - Report an Inaccuracy Last Updated XX/XX/XXXX Credit Personal Information Names Reported No names available.
Date Of Birth XX/XX/XXXX Addresses Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Report an Inaccuracy Credit Score & Report file_downloadDownload Credit Report XXXX Updated XX/XX/XXXX TRANSUNION XXXX XXXX Very Good ( 716 - 747 ) XXXX XXXX from XX/XX/XXXX XXXX XXXX based on data from XXXX Score Reasons You have too many collection agency accounts that are unpaid The balances on your accounts are too high compared to loan amounts You have too many inquiries on your credit report.
The date that you opened your oldest account is too recent CREDIT SCORE HISTORY XXXX Report Details Updated XX/XX/XXXX Credit Inquiries XXXX will monitor for new inquiries made in your name. If you don't recognize a historical inquiry, we can help you dispute the issue.
Date Inquirer XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX View More Report an Inaccuracy Last Updated XX/XX/XXXX Accounts Open/Active Accounts XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Paid Initial Balance {$160000.00} Remaining Balance {$160000.00} Account Details Type Mortgage Date Opened XX/XX/XXXX Remaining Balance {$160000.00} Minimum Monthly Payment {$1100.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 2 % Used Credit Limit {$10000.00} Available Credit {$10000.00} Balance {$100.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$100.00} Minimum Monthly Payment {$35.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX/XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 0 % Used Credit Limit {$8000.00} Available Credit {$8000.00} Balance {$0.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$0.00} Minimum Monthly Payment {$0.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX/XXXX XXXX XXXX XXXX XXXX, OH XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 39 % Used Credit Limit {$15000.00} Available Credit {$9400.00} Balance {$6000.00} Account Details Type Revolving Date Opened XX/XX/XXXX Account Balance {$6000.00} Minimum Monthly Payment {$60.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX XXXX XXXX - Open Account Number : XXXX XXXX Account Status : Pays As Agreed collapse_toggle Utilization 100 % Paid Initial Balance {$10000.00} Remaining Balance {$0.00} Account Details Type Installment Date Opened XX/XX/XXXX Remaining Balance {$0.00} Minimum Monthly Payment {$170.00} Date of Last Activity XX/XX/XXXX Past Due {$0.00} Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX Report an Inaccuracy Last Updated XX/XX/XXXX Credit Utilization Combined Account Balances {$170000.00} Latest XXXX report updated on XX/XX/XXXX Credit Card {$6100.00} Mortgage {$160000.00} Installments {$0.00} Other {$0.00} Report an Inaccuracy
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| 08/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX and Transunion and XXXX Attn : Customer Relations Department XX/XX/XXXX To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXC Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XX/XX/XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.
XXXX. Validate Account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.
Please provide : The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.
The date you contacted the individual funishers of information.
The method of communication you used to verify the information I would also like to know if the furnisher provided you with my SSN, address or DOB.
Please forward an updated credit report to me after you have completed your investigation and corrections.
Your cooperation and prompt attention are required by law.
Sincerely, XXXX XXXX
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| 02/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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This company repeatedly and willfully non complied with FCRA laws that should have preventing Transunion from misrepresenting me as a consumer by furnishing inaccurate and incompletely verified information. For more than 12 months I have been disputing the following referenced accounts and Transunion repeatedly lied about performing an investigation and also impaired not only me as a consumer but the entire banking system since I could not extend my credit to anyone and help the economy.
The Fair Credit Reporting Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. 15 U. S. C. 1681 et seq. The Act also creates a cause of action for consumers to sue and recover damages for certain violations. 1681n ( a ). TransUnion is a credit reporting agency that compiles personal and financial information about individual consumers to create consumer reports and then sells those reports for use by entities that request information about the creditworthiness of individual consumers.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX ( XXXX ). In this case, a class of 8,185 individuals sued TransUnion, in federal court under the Fair Credit Reporting Act. The plaintiffs claimed that TransUnion failed to use reasonable procedures to ensure the accuracy of their credit files, as maintained internally by TransUnion. For 1,853 of the class members, TransUnion provided misleading credit reports to third-party businesses. It was concluded that those 1,853 class members have demonstrated concrete reputational harm and thus have Article III standing to sue on the reasonable procedure. In this letter I will prove I also have concrete reputational harm and thus have Article III standing to sue on the reasonable procedure In XXXX, XXXXongress passed, and President Nixon signed the Fair Credit Reporting Act. 84 Stat. 1127, as amended, 15 U. S. C. 1681 et seq. The Act seeks to promote fair and accurate credit reporting and to protect consumer privacy. 1681 ( a ). To achieve those goals, the Act regulates the consumer reporting agencies that compile and disseminate personal information about consumers. First, the Act requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy in consumer reports. 1681e ( b ). Second, the Act provides that consumer reporting agencies must, upon request, disclose to the consumer [ a ] ll information in the consumers file at the time of the request. 1681g ( a ) ( 1 ). Third, the Act compels consumer reporting agencies to provide to a consumer, with each written disclosure by the agency to the consumer, a summary of rights prepared by the Consumer Financial Protection Bureau. 1681g ( c ) ( 2 ).
The Act creates a cause of action for consumers to sue and recover damages for certain violations. The Act provides : Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer for actual damages or for statutory damages not less than {$100.00} and not more than {$1000.00}, as well as for punitive damages and attorneys fees. 1681n ( a ).
In the above referenced case the jury awarded each class member {$980.00} in statutory damages and {$6300.00} in punitive damages for a total award of more than {$60.00} XXXX. The XXXX XXXX rejected all of TransUnions post-trial motions.
The U. S. Court of AppealXXXX for the XXXX XXXX affirmed in relevant part. XXXX XXXX XXXX XXXX ( XXXX ). The court held that all members of the class had XXXX XXXX standing to recover damages for all three claims. The court also concluded that XXXX claims were typical of the classs claims for purposes of Rule 23 of the Federal Rules of Civil Procedure.
Now respectfully I, XXXX XXXX, the consumer in question have been fighting tooth and nail with Transunion to get a few inaccuracies cleared from my reports. However, each attempt I was sent a notice by Transunion claiming the items were either valid or verified. Ive sent complaints into the CFPB, XXXX, and XXXX and they have forwarded the information to you explaining my concerns and I was given no valid explanation as to why those inaccuracies were not being cleared even after I reached out and notified the company that they were fraudulent accounts. Not only is that a violation of 15 USC 1681c-2, It violates my consumer right to privacy 15 USC 1681 ( a ) ( 4 ) and there was no Permissible purpose as Transunion never had my consent to report any of these accounts. 15 USC 1681b ( a ) ( 2 ) makes it very clear that ANYONE which included TRANSUNION, must have my written consent to furnish anything on a consumer report relating to me. After expressing to the company in my XX/XX/XXXX dispute these things should have been resolved but it has taken me over a year, and I am now finally getting the compliance I have been requesting for a year now.
I have incurred numerous actual damages over this past year as I have been denied for many extensions of my own credit directly because of things that Ive been reporting as inaccurate, invalid and fraud, but Transunion refused to remove. The following accounts have been in dispute multiple times over the past year and each time TRANSUNION has lied to me about conducting a reinvestigation and only sending me automated verified responses without investigating according to the definition of investigation as defined by the FCRA. A real investigation involves someone from Transunion going out and interviewing my friends, family and neighbors who could testify to my character as Transunion CAN NOT. A true investigation was never done but I was told, and a comment was placed on each account stating that an investigation was done and that the account MEETS FCRA standards which was a lie each time.
I would like Transunion to pay me what is owed to me for these violations, or I will hire a lawyer and included the attorney fees along with my actual damages. I understand that it is against the law to threaten someone to sue them with no intentions on filing a lawsuit. I want to ASSURE you that I am a litigious consumer, if you have not noticed by now, I have learned the laws related to consumers and I have realized how much of an advantage you have had over my ignorance all this time.
15 USC 1681n states that you are liable to ME since I am the consumer that was affected a civil liability for non-compliance, and I am owed {$1000.00} each violation. The following accounts are the accounts in question, and I need my compensation for this HUGE inconvenience, or we will have to let a judge and jury decide which will result in a lot more than I am currently asking for Violations and Damages as follows : XXXX. XXXX XXXX XXXX XXXX Account # XXXX I have enclosed proof of you claiming it was verified as accurate as you have been doing for a year now. This account has been reporting since XX/XX/XXXX thats 29 months of violations and 29 months you failed to assure maximum possible accuracy as required by the FCRA. You reported transactions and experiences on this account which violate 15 USC 181a ( i ) exclusions.
XXXX. XXXX XXXX XXXX Account # XXXX This account was fraudulently listed on my consumer report XX/XX/XXXX thru present 17 months of violations and was recently removed from the other XXXXwo NCRAs because it is a direct violation of my right to privacy and accurate information on my consumer report. Ive attempted to demand this be removed several times and continuously my rights as a consumer are violated. Openly, willfully and knowingly.
XXXX. XXXX XXXX XXXX Acct # XXXX same issue as stated before. Transunion failed to properly verify the information received from this furnisher and just listed whatever they were told without any knowledge of me or my actions as a consumer. Willful noncompliance as I have reported this account several times and nothing was corrected.
As a courtesy since there is a global pandemic I am giving Transunion one LAST opportunity to cure this situation by paying monetary compensation for each violation of my consumer rights as described above or we will be going to FEDERAL court and we can allow a judge to put a price on this hindrance to the banking system. I havent even began to speak about the actual damages and denials of credit due to these things being on my consumer report. I was just denied a loan 3 months ago of only XXXX. Thats ridiculous! I have to hold you accountable for your mistakes as you had a responsibility to me as a consumer since you volunteered to report consumer reports. Not the other way around. I have all the proof to support my case and I have attached a few documents just to show that I am well prepared for this fight. What evidence would Transunion be able to provide? None. As you never did a proper reinvestigation per FCRA guidelines and that directly caused me damages as I have recently been denied a car loan by my own bank. Although I make a nice amount yearly, these items defamed my character and showed me to be irresponsible and untrustworthy. That has been a BIG burden on myself and my family in addition to this whole pandemic.
So, I am leaving it up to you. This is your last attempt from me to settle this without the extra attention of a federal trial. You can either pay me with the reasonable amount of 45k or we can allow the judge to decide my award because I will win. Court is about what you can prove, and I can prove everything I am accusing Transunion of. What Transunion can not do is prove that it is not true.
Remember that you have already supplied me with all of the evidence I needed to prove that it has been an entire year of these disputes ( Exhibit D is dated XX/XX/XXXX ) and you remain in default. I will not just brush this issue under the rug. I will not just go away. You have already admitted guilt by finally removing the inaccurate items that I had been warning you needed to be removed. I am sure that I am not the only person this is even happening to as I have seen information of your misconduct all over the CFPBs website. I will be including them in this correspondence as well as I do not believe Transunion is responsible enough to uphold the law without a meditator. I think that it outrageous that a consumer must go to these extremes for their voice to be heard and justice to be served. However, I am prepared to enroll counsel if you do not comply with my request in 5 days. Its been long enough of a wait. As a CRA you have the responsibility to be able to take on millions of consumers a day and address issues. This is a disservice to the public. I will await your response by mail with a settlement offer.
Regards, XXXX XXXX
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| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : Violation of United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Dear Sir/Madam, I am writing to address your ongoing violation of the Fair Credit Reporting Act ( FCRA ) by failing to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final settlement offer before pursuing legal action, with the intention of resolving this matter amicably. If the following listed items, which are inaccurate, unverifiable, and invalidated, are not promptly deleted, I will proceed with legal action in accordance with the FCRA to seek relief and recover the full amount of monetary damages entitled to me under Section 616 and Section 617. Please consider this letter as evidence in any future litigation and as part of a formal complaint to the Federal Trade Commission if compliance with this settlement offer is not met.
I have become aware of your direct violation of the FCRA, as the unverified items listed below still persist on my credit report. According to the FCRA, it is mandatory for you to possess the original creditors ' documentation on file to verify the accuracy of the reported information. However, you have not provided me with any original documentation, including a consumer contract with my signature, as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Additionally, you have failed to provide the method of verification as mandated by Section 611 ( a ) ( 7 ). Please note that under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete any information that can not be verified.
I am deeply disappointed to observe your agency 's disregard for the guidelines outlined by the FCRA, as evidenced by the numerous errors present on my credit report. Allow me to provide you with a brief summary of the Fair Credit Reporting Act : The Fair Credit Reporting Act is the primary federal law governing the collection, reporting, and sharing of credit information about consumers. It establishes rules for obtaining, retaining, and sharing credit information, including provisions that protect consumer rights.
A FCRA violation can occur when creditors provide inaccurate financial information to reporting agencies, when reporting agencies mix up individuals ' information due to similarities in names or social security numbers, or when agencies fail to handle disputes properly according to guidelines.
As a consumer, I am entitled to the following rights under the Fair Credit Reporting Act : The right to verify the accuracy of my credit report when it is required for employment purposes.
The right to receive notification if information in my file has been used against me in credit applications or other transactions.
The right to dispute and have the credit bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report.
The right to have outdated negative information removed after seven years ( in most cases ) or ten years in the case of bankruptcy.
I demand the immediate deletion of the following items, as they are either inaccurate, unverifiable, or invalidated. I have also specified the desired outcome for each item due to your violation. These items have caused significant distress as I recently applied for extended credit and was denied based on your mistakes : Account involved in litigation " an incorrect high balance, '' an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late pay, a charge-off listed as open, and a collection account with a limit.
1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
2. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
8. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
14. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Your failure to comply with federal law and respond satisfactorily within 30 days, as required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), may result in a small claims action against your company. This action would seek {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury I would also like to draw your attention to the fact that, depending on your response, I may publish any potential issues with your company in an online public press release, including documentation of any contemplated small claims action. I have attached a copy of my complaint to the organizations listed below for your reference : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau, 1700 G. Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Please be advised that I expect a response to this letter within 30 days. Additionally, I request that you provide a description of the procedure used to determine the accuracy and completeness of the information, to be provided within 5 days after the completion of your re-investigation. I must emphasize that I do not consent to e-Oscar or any means of automated verification.
Sincerely, XXXX XXXX
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| 05/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX, I paid my mortgage payment on the website of XXXX XXXX. The due date was XX/XX/XXXX with a grace period until XX/XX/XXXX. I pay my mortgage in this same fashion, via the website, every month always before the XXXX of the month, 100 % of the time. I have no late payments on this account.
On XX/XX/XXXX, XXXX XXXX reversed the payment I made on XX/XX/XXXX. I was unaware that XXXX XXXX reversed this payment until XX/XX/XXXX when I received a letter via USPS from XXXX XXXX stating that they had " reversed '' this payment. When I received this letter, I immediately repaid my mortgage payment via the website and, again, it was accepted. I checked my bank account to make sure the funds were there wondering if the check had been returned by the bank. At this point, I was concerned that my bank account had been hacked and the money was not there. However, my bank account had more than sufficient funds to cover my mortgage payment, and this was not the issue.
I called XXXX XXXX on or about XX/XX/XXXX to inquire about why the payment was " reversed ''. According to XXXX XXXX they said I had posted the bank account number incorrectly. Since the website requires that the bank account number is posted twice for " confirmation '', I was skeptical about how I could have input the wrong account number two times. I use the same account each and every month to pay my mortgage and I have never had this problem before. However, I accepted the fact that this was possible. Additionally, the website " accepted '' my payment as it was initially inputted with two " wrong '' account numbers and I had no idea that there was a problem at the time of the payment. My experience has been that when I incorrectly input numbers to other websites for purchases using my credit card or bank information, the website notifies me immediately of the error.
I also inquired of XXXX XXXX regarding their notification to me regarding this reversed payment. They have my email address and they did not notify me immediately by email that an error had occurred. They claimed to have attempted to call me " several times '' but I had no record of any calls from them nor any messages left. In their defense, I have " XXXX XXXX '' on my XXXX account which screens my calls for Telemarketers and Potential Scam calls. It is possible that XXXX XXXX could have been screened out of my calls due to being a " high volume caller '' however, I did not see any blocked or flagged calls. Hence, I was not informed about this situation until XX/XX/XXXX. When I spoke with XXXX XXXX regarding how this would be reported to the credit bureaus, they assured me that there was no " late '' payment posting.
Ironically, I was in the process of obtaining an equity mortgage on my home and happened to check my credit using the XXXX XXXX website service to make sure my credit was worthy for the best possible rate. XXXX XXXX reports scores from TransUnion and XXXX. On XX/XX/XXXX, XXXX XXXX reported that my score with XXXX was XXXX and my score with TransUnion was XXXX.
On XX/XX/XXXX, I received an email from XXXX XXXX which stated XXXX XXXX reported that I had " missed a payment ''. On XX/XX/XXXX, XXXX XXXX reported a sudden and substantial drop in my credit score. According to XXXX XXXX, TransUnion reported my score as XXXX and XXXX reported my score as XXXX, both drops occurring simultaneously. The sole difference in my credit report was that XXXX XXXX had reported to the credit bureaus that my mortgage was over 30 days late and I had missed a payment.
I called XXXX XXXX on or about XX/XX/XXXX and explained to them that I was assured this would not be posted as a late payment. I spoke with a woman in Customer Service who told me that I would have to send an email to their customer service department to correct this problem. I sent an email to their customer service department on XX/XX/XXXX. I also filed a dispute with TransUnion onXX/XX/XXXX but I did not file one with XXXX. This was purely ignorance on my part. I thought I was filing a dispute with all the bureaus through XXXX XXXX 's website.
When I did not hear anything back from XXXX XXXX I sent another email to them on XX/XX/XXXX. In this second email, after doing some investigating online, I realized that in my favor, XX/XX/XXXXonly has 28 days this year and " technically '' I paid my mortgage 29 days late if XX/XX/XXXX 2 counts as 1 day late. I made this argument to XXXX XXXX citing that it would be incorrect to report that my mortgage payment was " over 30 days late ''. I hated to have to resort to a " technicality '' but it was factual.
I was pleasantly surprised on XX/XX/XXXX to learn that my credit score with TransUnion was back up to XXXX and XXXX reported my score as XXXX. This rapid rise in my credit score occurred on the same day with both credit reporting services. I found a USPS letter from XXXX XXXX dated XX/XX/XXXX stating after their review of my account, " we have retracted derogatory credit reported for the month of XX/XX/XXXX '' and they included an Automated Unit Data reference number to verify the update with the " four major credit bureaus ''.
Fortunately, I had not had time to apply for an equity mortgage because on XX/XX/XXXX, TransUnion updated my credit report with a score of XXXX. This was a devastating drop and I learned from the XXXX XXXX website that TransUnion had posted results of the dispute I had previously filed with them on XX/XX/XXXX with the following statement. " TransUnion received your request on XX/XX/XXXX and completed their investigation on XX/XX/XXXX. Please review the results carefully. '' There were NO results to review. This was the only statement posted on the website and the fact that they had revised my score to XXXX. XXXX XXXXa had sent me an email on XX/XX/XXXX to notify me of this " completed investigation ''.
I called TransUnion on or about XX/XX/XXXX to inquire the reason for this change. The TransUnion report on XXXX XXXX continued to reflect a " missed payment '' in XX/XX/XXXX. I spoke with three different people regarding this issue. I had to ask for two different " supervisors '' and it was the third person with whom I spoke who said I had to contact XXXX XXXX because they were continuing to report this derogatory information for XX/XX/XXXX. This final " supervisor '' claimed that this was the report from XXXX XXXX despite the fact that my score had improved on XX/XX/XXXX and she had no response regarding the reason for this rise.
I called XXXX XXXX and spoke with a customer service representative who was very helpful. She assured me that they had removed the derogatory information and referred me to the letter they had sent. She told me that I could use the Automated Unit Data reference number with the application for a home equity mortgage and the creditor would be able to see that this information had been removed.
She also made a very astute observation in that she believes that even though TransUnion 's investigation completion was after the one completed by XXXX XXXX, it was probably based on information obtained before XX/XX/XXXX and was outdated. This makes more sense to me than anything. TransUnion 's investigation was based on outdated information and they reported it AFTER XXXX XXXX had already corrected it on XX/XX/XXXX.
I have been patiently waiting for the corrected information to " catch-up '' with TransUnion. On XX/XX/XXXX, my TransUnion score rose to XXXX and on XX/XX/XXXX my score rose to XXXX. I believe this is due to my paying down some credit card balances to improve my score for my mortgage application.
As of today, XX/XX/XXXX, TransUnion continues to report my XX/XX/XXXX payment with XXXX XXXX as 30-59 days late. They have no reporting of my XX/XX/XXXX and XX/XX/XXXX payments even though these payments are reflected on my XXXX report. XXXX also continues to report my XX/XX/XXXX payment as on time and they report my current score at XXXX.
On XX/XX/XXXX, I filed another dispute with TransUnion to correct the misinformation. This time, however, I filed the dispute directly on the TransUnion website. I uploaded the letter from XXXX XXXX in my dispute complaint. I received a message when I filed this dispute on TransUnion 's website which said that my dispute required " manual processing ''. I did not know what this meant. I received an email from TransUnion confirming my new account with them but no email regarding the receipt of the dispute.
On XX/XX/XXXX, I checked TransUnion 's website signed in on my account and I found nothing in the dispute section. I called TransUnion again. This time the first two people I spoke with wanted me to file another dispute which I refused to do since I had already filed one the day before that required " manual processing ''. Obviously my fear is that another dispute will generate outdated information causing my credit report to reflect more misinformation.
I was finally transferred to a third " supervisor '' named XXXX in the " Special Handling '' department. After a third explanation of my history and problem in this case, I was finally able to get some action, or so I thought. XXXX did not know what an AUD reference number was. She said she would have to contact XXXX XXXX herself and if XXXX XXXX would verify the removal of the derogatory information, she would remove it. She asked me to call XXXX XXXX and notify them that she would be calling and that I had given them permission to speak with her. I offered to send her a copy of the letter from XXXX XXXX dated XX/XX/XXXX but she declined. She promised to call me by the end of the day after speaking with XXXX XXXX. She also verified that they had no record of the dispute I had filed the day before. I told her I was concerned because my personal information may be at risk.
When I hung up the phone from speaking with XXXX, I immediately called XXXX XXXX and spoke with XXXX ( I believe was her name ). She informed me that if TransUnion called she would call me with a three way call to give permission to speak with XXXX. I kept with phone with me for the next several hours but I never received another call either from XXXX or XXXX XXXX. I checked my XXXX Call Protect and there were no blocked or flagged numbers.
Therefore, I am taking the next step and hope that SOMEONE can hold TransUnion accountable for their actions. I am unable to proceed with home renovations until I can apply for a home equity loan. In the meantime, interest rates are rising and I am going to be subjected to paying a higher interest loan with every delay. These are REAL damages I am suffering due to TransUnion 's inaction in correcting the misinformation on my credit report.
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| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is the 3rd time of me complaining about accounts that are listed on my report that are in direct violation of my Consumer Rights. After this, if nothing is done I will seek legal counsel and press charges.
XX/XX/XXXX XX/XX/XXXX The following are direct violations of my CONSUMER Rights in pursuant of : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without the written consent/permissible permission.
15 USC 1692g Not one single 3rd Party Collection agency has the 1099-C for Charge off showing this debt is valid and I owe their company.
15 USC 1692c Neither have I given prior written consent for any debt collector to contact me.
AFFIANT AFFIDAVIT of FACTS by AFFIANT XXXX XXXX XXXX on the XXXX day of the month of XXXX To the Addressee name and physical address as being : XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX This OFFICIAL DOCUMENT is forwarded to you via CERTIFIED MAIL with TRACKING : Certified Mail Tracking number is : _____________________________________________________________________ OFFICIAL COMPOSED AFFIANT JURAT in TESTIMONIAL STATEMENT OF FACTS _____________________________________________________________________ SUMMARY OF TESTIMONIAL FACTS Lawfully brought forward for consideration : THE AGREED STATEMENT OF FACTS is for the purpose of SATISFACTORY and TRUTHFUL REQUISITE consumer reporting and record keeping, specifically in respects to the nationally recognized three major credit reporting sources of XXXX, XXXX, and TRANS UNION as well as XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX among others as well as any entity of which may be involved in any manner with consumer reporting as related to this affiant of note hereby making this exact true and lawful AAF NOTICE ( Affiant Affidavit of FACTS ) on date displayed and notarized on by an official of the state lawfully in capacity to make such declaration.
BE IT KNOWN and be it ACCEPTED the following FACTS : AFFIANT FORWARDED FACT # XXXX ) Affiant Full name is and only is XXXX XXXX XXXX XXXX FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and XXXX XXXX NUMBER is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and XXXX XXXX Name is and only is XXXX XXXX, XXXX XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING CITY Name is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE RESIDENTIAL and MAILING STATE Name is and only is Texas AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE CURRENT SOCIAL SECURITY NUMBER is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant TRUE AND COMPLETE CURRENT DATE OF BIRTH is and only is XXXX AFFIANT FORWARDED FACT # XXXX ) Affiant hereby officially REMOVES any and all authority for YOU or any entity to, retain, report, use, transfer, sell, accept or else wise ANY NOT REQUISITE information related to affiant, true or not. This consumer ERADICATION of your authority is effective TODAY, even here and now.
AFFIANT FORWARDED FACT # XXXX ) Affiant hereby makes a lawful DEMAND in request for adequate and provable physical document verifiable PROOF in undeniable and irrefutable validation of any and all items of derogatory and or adversary matter for which you have, have had, or may have in future, true or not.
AFFIANT FORWARDED FACT # 10 ) Affiant announces consumer right to make composed, writ or otherwise, challenges to any uncertainty of certificates as above requested or otherwise any and all deficiency ( ies ) of testimonial certificate of absolute clarity in any and all data and or information for which you now, have in past, r may in future possess through any means from any source for any reason!
Correct or delete inaccurate information. A consumer reporting agency must correct or, as the case may be, delete entries from any consumer 's credit file the information that is found to be inaccurate or can no longer be verified as entirely fully current, true, correct, complete, timely, of consumer 's ownership, of consumer 's responsibility, absolute and irrefutably compliant to any and all reporting laws and regulations, proven by testimonial document certificate of that compliance alleged, or else wise as requisite of reporting, be it mentioned or not by the consumer.
Investigate disputed information. If consumer tell a consumer reporting agency that your file contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information.
Consumers may s
eek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, consumers may be able to sue in state or federal court. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. Affiant does as now today, here and now, demand in request that the receiver of this AAF NOTICE ensure that all affiant state laws are abided without fail, any deficiencies will result in affiant seeking of favorable resolution in a civil court of affiant selection. Federal and state laws are NOT ignorable by any entity, whether willfully or in ignorance.
e-OSCAR, a Metro 2 compliant is an automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. ANY AND ALL ENTITIES of reporting must be reporting certifiably in adequate and complete correct Metro 2 format reporting, absolute and perfect Metro 2 format is mandated and is not optional. I request in demand any and all certificates of proof of such alleged compliant reporting and further the CERTIFICATION of the reporters of their certified Metro 2 format training, or else eradicate any and all allegations of adversary and or derogatory nature, contested by affiant or not, mentioned or not, true or not. COMPLIANCE is MANDATED, demonstrate such in absolute clarity!
Please make notice to this declaration being that one and in of the same as an Affiant acknowledgement of AFFIANT INTENTION of future civil suit for favorable affiant resolution should addressee of this AAF NOTICE ( Affiant Affidavit of Facts Notice ) be of derelict collection and or reporting of not proven compliant allegations of injurious adversary and or derogatory claims, particularly any and all items of which affiant has here in this statement made notice to in composition.
I demand in request that receiver of this declaration accept it as being officially my CONSUMER DECLARATION to ANNUL ALLEGED DATA not requisite reported or else wise not as required CERTIFIED in its entirety as being fully current, true, correct, complete, timely, of affiant 's ownership, of affiant 's responsibility, certifiably compliant to all collection and or reporting laws, and or with proven testimonial and documented certificate of said compliant as is mandated by law. Affiant today, here and now, demands receiver to CEASE activity ( ies ) of adversary or derogatory nature versus affiant, even those of collection and or reporting, or else any action even if not here mentioned!
TODAY IS 08/5/2022 FROM ME : GREGORY TYSON HENSLEY This here document declaration to include the following notarized section ( s ) shall serve as unmistaken lawful AFFIANT AFFIDAVIT of FACTS by me, the affiant. This document declaration in its entirety is issued to you as being a provable affidavit that is a sworn voluntary, sworn written statement, sworn desired.
My name is that same as of the noted of the affiant, I am the person providing the statement, I am as well mentioned in the affidavit and as the true affiant understand now and in future of fact I am and was required to sign the affidavit in the notary 's presence, as is done.
State of____Texas_________ County of___Dallas__________ ) Before me, the undersigned notary public, this day, personally, appeared to me known, who being duly sworn according to law, deposes the following : I demand eradication of alleged claims, be them or not be them debts, to be satisfied and settled in full or else wise annulled without prejudice and or injury to me the consumer alleged of unproven debt and or adversary and or derogatory claims. I demand absolute proof of any debts alleged, account history alleged, ownership alleged, responsibility alleged, truth as reported, accuracy as reported, completeness as reported, timeliness as reported, and full compliance as reported o otherwise attempted in the collection. Deficient of requested document testimony in composed writ form, you must cease reporting and equivalently reporting of this unfounded claim of derogatory debt.
All Rights Reserved Without Prejudice, XXXX XXXX XXXX XXXX The following are direct violations of my CONSUMER Rights in pursuant of : 15 USC 1681 Section 602 ( h ) - I have the right to privacy 15 USC 1681 Section 604 ( a ) ( 2 ) - A Consumer Reporting Agency may not furnish my information without written consent/permissible permission.
15 USC 1692g Not one single 3rd Party Collection agency has the 1099-C for Charge off showing this debt is valid and I owe their company.
15 USC 1692c Neither have I given prior written consent for any debt collector to contact me.
XXXX XXXX XXXX XXXXXXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX XXXXXXXX Potentially Negative _______________________________________XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXXXXXX - XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXXXXXX - XXXX Potentially Negative _______________________________________XXXX XXXX XXXX XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX - XXXX XXXX XXXX ________________________________________ XXXX XXXX XXXXXXXX Potentially Negative ________________________________________ XXXX XXXX - XXXX Potentially Negative ________________________________________ XXXX XXXX XXXX XXXX - XXXX Potentially Negative
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| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In accordance with the Fair Credit reporting act, The list of accounts below has violated my federally protected consumer rights to privacy & confidentiality under U.S.C 1681 602 ( A 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.20. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.21. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.22. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.23. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
U.S.C. 1681 ] ( 1 ) The ba15nking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 U.S.C. 16 [ 81 ] Section 604 ( g ) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report.
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.
15 U.S. Code 1681a - Definitions ; rules of construction It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy...
15 U.S. Code 1681s2 - 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
U.S.C. 1681 ] ( 1 ) The ba15nking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 U.S.C. 16 [ 81 ] Section 604 ( g ) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report.
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.
15 U.S. Code 1681a - Definitions ; rules of construction It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy...
15 U.S. Code 1681s2 - 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
U.S.C. 1681 ] ( 1 ) The ba15nking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 U.S.C. 16 [ 81 ] Section 604 ( g ) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report.
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.
15 U.S. Code 1681a - Definitions ; rules of construction It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy...
15 U.S. Code 1681s2 - 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
U.S.C. 1681 ] ( 1 ) The ba15nking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
15 U.S.C. 16 [ 81 ] Section 604 ( g ) of the FCRA prohibits consumer reporting agencies from providing consumer reports that contain medical information for employment purposes, or in connection with credit or insurance transactions, without the specific prior consent of the consumer who is the subject of the report.
( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
1692g ( a ). The validation notice must inform consumers that, among other things, the debt collector will verify the debt if the consumer disputes it in writing and that, upon the consumer 's written request, the debt collector will provide the name and address of the original creditor.
15 U.S. Code 1681a - Definitions ; rules of construction It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy...
15 U.S. Code 1681s2 - 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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SEE ATTACHED DOCUMENTSNON PUBLIC PRIVATE INFORMATION IS REPORTED WITHOUT MY PERMISSION identity theft report ( 4 ) Identity theft report. The term identity theft report has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false.
15 U.S. Code 1681b - Permissible purposes of consumer reports U.S. Code Notes prev | next ( a ) IN GENERALSubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually-billed travel charge cards.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments, determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment ; ( B ) the parentage of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; and ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To the Federal Deposit Insurance Corporation or the National Credit Union Administration as part of its preparation for its appointment or as part of its exercise of powers, as conservator, receiver, or liquidating agent for an insured depository institution or insured credit union under the Federal Deposit Insurance Act [ 12 U.S.C. 1811 et seq. ] or the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], or other applicable Federal or State law, or in connection with the resolution or liquidation of a failed or failing insured depository institution or insured credit union, as applicable.
( b ) CONDITIONS FOR FURNISHING AND USING CONSUMER REPORTS FOR EMPLOYMENT PURPOSES ( 1 ) CERTIFICATION FROM USERA consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ; and ( ii ) information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumers rights under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) [ 1 ] of this title.
( 2 ) DISCLOSURE TO CONSUMER ( A ) In generalExcept as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
( B ) Application by mail, telephone, computer, or other similar meansIf a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 1681m ( a ) ( 3 ) 1 of this title; and ( ii ) the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person.
( C ) ScopeSubparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 3 ) CONDITIONS ON USE FOR ADVERSE ACTIONS ( A ) In generalExcept as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( B ) Application by mail, telephone, computer, or other similar means ( i ) If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, and if a person who has procured a consumer report on the consumer for employment purposes takes adverse action on the employment application based in whole or in part on the report, then the person must provide to the consumer to whom the report relates, in lieu of the notices required under subparagraph ( A ) of this section and under section 1681m ( a ) of this title, within 3 business days of taking such action, an oral, written or electronic notification ( I ) that adverse action has been taken based in whole or in part on a consumer report received from a consumer reporting agency ; ( II ) of the name, address and telephone number of the consumer reporting agency that furnished the consumer report ( including a toll-free telephone number established by the agency if the agency compiles and maintains files on consumers on a nationwide basis ) ; ( III ) that the consumer reporting agency did not make the decision to take the adverse action and is unable to provide to the consumer the specific reasons why the adverse action was taken ; and ( IV ) that the consumer may, upon providing proper identification, request a free copy of a report and may dispute with the consumer reporting agency the accuracy or completeness of any information in a report.
( ii ) If, under clause ( B ) ( i ) ( IV ), the consumer requests a copy of a consumer report from the person who procured the report, then, within 3 business days of receiving the consumers request, together with proper identification, the person must send or provide to the consumer a copy of a report and a copy of the consumers rights as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title.
( C ) ScopeSubparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumers application for employment only if ( i ) the consumer is applying for a position over which the Secretary of Transportation has the power to establish qualifications and maximum hours of service pursuant to the provisions of section 31502 of title 49, or a position subject to safety regulation by a State transportation agency ; and ( ii ) as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means.
( 4 ) EXCEPTION FOR NATIONAL SECURITY INVESTIGATIONS
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| 12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On or around XXXX XX/XX/XXXX I received the results of a dispute I'd filed around XXXX XX/XX/XXXX. The results of the dispute stated the data furnisher, XXXX XXXX XXXX XXXX, had verified the information they supplied to XXXX for a student loan were accurate.
Included in the results was a payment history for the last two ( 2 ) years. For the months of XX/XX/XXXX and XX/XX/XXXX, the data supplied to XXXX lists expected payment amounts of seventy-two ( XXXX ) dollars and records that no payments were received for either month. The dataset shows that no payments were due for the months of XX/XX/XXXX thru XX/XX/XXXX and that a payment was due for the months thereafter.
Now, the date for which the first payment was allegedly due AFTER XX/XX/XXXX corresponds to the end of an in-school forbearance. The month for which student loan reapayments began is listed as XX/XX/XXXX. However, a letter from XXXX XXXX dated XXXX XX/XX/XXXX states the student loans were in forbearance until XXXX XX/XX/XXXX. A letter from early in that yearXXXX XX/XX/XXXX lists the end-date for the in-school forbearance as XXXX XX/XX/XXXX. A first statement is then generated on or around XXXX XX/XX/XXXX with a current due date of XXXX XX/XX/XXXX.
For each subsequent statement, CFPB interpretation of Regulation Z requires the statement date to be the same date each month with no more than a four ( 4 ) variation from the date established per the first bill. Moreover, the minimum duration between the statement date is to be no less than twenty-one ( XXXX ) days under 12 CFR 1026.2 " Definitions and Rules. '' XXXX XXXX acknowledges this in some facet in a letter from research and remediation associate XXXX XXXX : " Please note that our office is only required to provide you at least a XXXX grace period between the statement notice and the due date of your monthly payment installments. '' The date of this letter is XXXX XX/XX/XXXX. In direct contrast to this knowledge, the duration of statement dates from time of repayment transfer to new loan servicer and/or charge-off was consistently less than XXXX ( XXXX ) days. Thus, XXXX XXXX consistently violated its own " policies '' and was habitually non-compliant with 12 CFR 1026.2. Moreover, XXXX XXXX has repeatedly made dubious claims of payment being required during priods for which a statement was NOT generated. This directly contradicts the terms of the MPN which requires staements to be provided even during periods of forbearance and/or deferment, which encompasses in-school forbearances, in-school deferments, disaster forbearances, etc.
Any month in which XXXX XXXX furnished payment history data that is/was non-compliant with 12 CFR 1026.2, is non-reportable by a CRA and can not be included in a consumer file because it compels the CRA to report consumer history that violates my protections under 12 CFR Part 1026. As consequence the CRA would then be reporting data that is patently inaccurate resulting in CRA violations of the FCRA as amended and enforced under 12 CFR 1022, at minimum. Yet, XXXX continues to include this patently inaccurate data in my credit file, even when portions of that dataset for the same account/tradeline contradict other portions of the dataset for the same account/tradeline. Contradictory information is patently inaccurate and non-reportable by a CRA. Moreover, if supplied in whole ( or part ) as contradictory from a data-furnisher, it is patently unverifiable -- the data is patently false, thus violating 12 CFR Part 1022.
Any payment history that results from inaccurate data is to be removed because that data is inaccurate and/or unverifiable. Documentation supplied by the consumer in a consumer complaint that demonstrates the data is inaccuarate, becuase it contradicts other pieces of data on which a data-furnisher 's assertion is made, necessitates removal without the consent of the data furnisher because it is patently inaccurate and continues to harm a consumer during a CRA " investigation ''. The threshold for such instances is supplying the CRAs with information generated by the data-furnisher, that directly contradicts the information the CRA has on-file per the account/tradeline of the data-furnisher. Typically data that refutes the data within a consumer file is provided as a statement on the data-furnisher 's letterhead.
In examining the payment history data table supplied by XXXX itself there are a serious number of inaccuracies for which XXXX can not reasonably construe as " accurate '' given the documentation that I have supplied, documentation supplied, on the data-furnisher 's letterhead, that directly refutes other pieces of data within the data-set for the XXXX accounts/tradelines for the same periods. Additionally XXXX knows the data supplied by XXXX is inaccurate and unverifiable because they removed some of the offending data between reports generated XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. Evidence of the rroneous data still propagating past XXXX XX/XX/XXXX include months showing payment history charge-off status codes, such as ( L ) or ( CO ), that can not possibly exist becuase XXXX has clearly registered " no data available '' in the corresponding history table. Alleged CO status periods are boxed by CO monthsfor which the CO status has corresponding " no data available ''. Conseuquentially the CO status indicators for months in-between ( and inclusive of ) XX/XX/XXXX XX/XX/XXXX are unverifiable because they have no identified action in the dataset that would warrant a CO action. Months for which accounts were in an in-school forbearance, acknowledged by XXXX XXXX as such in multiple letters, are recorded as having scheduled payment amounts while other months encompassing the same forbearance/deferment period show no scheduled payment amounts. One such case is the months of XX/XX/XXXX thru XX/XX/XXXX, for which it has already been stated and corroborated by XXXX XXXX that the account was in an in-school forbearance status, but reflect in the XXXX dataset as a payment scheduled and owing, while periods XX/XX/XXXX thru XX/XX/XXXX show none. Other examples include dates for which XXXX records show payments were made, most of which were in excess of the scheduled payment, but show zero ( 0 ) decrease or increase in balance : the balance for a subsequent month remains identical to that of the previous month. Finally newer months in the XXXX history have corresponding last payment dates that are older than that of prior months. For example the month of XX/XX/XXXX indicates a last payment date of XXXX XX/XX/XXXX, while the month of XX/XX/XXXX indicates a ldate of last payment of XXXX XX/XX/XXXX. Both of these stand in stark contast to XX/XX/XXXX that shows a last payment date of XXXX XX/XX/XXXX.
At best the dataset housed by the CRAs for the XXXX accounts is incohate. Be it due to nascency or flat-out incoherence, the data can not possibly meet the reprting requirements under the FCRA as implemented in 12 CFR Part 1022.
I have filed nearly one-hundred ( 100 ) complaints with the CFPB regarding these issues, many of which have been transmitted to both the CRAs AND XXXX XXXX, thus satisfying my responsibilities to ensure factual accuracy of my credit files as permitted under the FCRA. Because many of these CFPB complaints have also been transmitted ( in writing ) to the data furnisher, I have also submitted 623 complaints directly to XXXX XXXX. XXXX XXXX has received the documentation I've supplied to the CRA disputes, AND the CFPB complaints, yet has furnished the same erroneous data to the CRAs and susbsequently, or even simultaneously, submitted responses to the CFPB complaints that contradict, and in some cases directly refute, the information supplied in the dataset to the CRA. Therefore, XXXX XXXX knows, OR SHOULD KNOW there is a serious problem with their records and likely have refused to admit the failures for fear of consequences akin to those outlined in prior XXXX XXXX consent agreements they've previously enterd into with the CFPB for poor lending practics, poor billing practices, and non-compliance as a data furnisher when reporting consumer account statuses to the CRAs. Thus, despite receiving numerous XXXX disputes, and FCRA disputes, XXXX XXXX has chosen not to fulfill its responsibilities as a data-furnisher under 12 CFR 1022.20 - 1022.43 " Duties of Furnishers of Information ''.
Likewise, the CRAs have received my complaints and the obviously erroneous/inaccurate/unverifiable data is perpetuated due to the CRA reliance upon the data furnisher instead of independent review of consumer dipsute narrative and accompanying documentation. Thus, it would the CRAs continue to perpetuate patently inaccurate data within my credit file that harms me as a consumer with current and potential lenders for products ranging from education financing, automobile financing, housing, etc. The fact is, data generated by a data furnisher that is non-compliant with 12 CFR 1026 in general is not reportable as a part of a consumer file. Yet, the CRAs, in this case XXXX, continue to use the blanketed statement " the information was being reported as accurate '' becuase the data furnisher, XXXX XXXX, had verified its accuarcy. This clearly indicates XXXX has repeatedly failed in its responsibilities under FCRA to conuduct an investigation and repeatedly abridged my rights of due process under the FCRA by simply processing disputes, translating them into an eOSCAR code ( not necessarily reflecting the correct reason for the dispute ). The CRAs, here XXXX, has then submitted the dispute to the data-furnisher, to leave it to the data-furnisher ( or its computer system ) to verify the accuracy of the data. The woeful ignorance of the CRAs in even refusing to conduct a cursory examination of the documentation, or to take steps when the data-furnisher 's own statements contradict the information supplied by the data-furnisher, indicates the CRAs, in this case XXXX, knows OR SHOULD KNOW there is inaccurate information, and has thus knowingly and of their own volition chosen to abdicate their responsibilities as outlined in 12 CFR Part 1022 pursuant to the FCRA as amended.
Precedent at the Federal level indicates that I have cause to file legitimate claims within Federal courts to obtain relief, for which I am allowed to seek damages from XXXX AND the CRAs for their roles, in what coloquially would be referred to as a s-show, in what constitues a willful abdication of responsibility, integrity, and adherence to law. I am therefore demanding the CRAs, here XXXX, remove the accounts/tradelines for both XXXX student loan accounts.
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| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : I am writing to dispute incorrect information in my credit file, which you furnished to credit reporting agencies. On XX/XX/XXXX, I received a copy of my credit report from3 credit reporting agency. That report included the following information, furnished by you : XXXX XXXX XXXX Last reported : XX/XX/XXXX XXXX XXXX XXXX Closed : XX/XX/XXXX {$720.00} Closed Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate this request within 30days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete.I have enclosed the Consumer Financial Protection Bureau 's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.
This negative mark is damaging my credit. Please promptly contact XXXX, TransUnion, and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.
Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
Thank you for your immediate attention to this matter.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX All furnishers of information to consumer reporting agencies must comply with all applicableregulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, www.consumerfinance.govXXXX
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Sections 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. section 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute From Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute From Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by thefurnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
The CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for businesses and the full text of the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C.section1681 et seq. : Section 602 15 U.S.C. 1681 Section 603 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 605A 15 U.S.C. 1681c-A Section 605B 15 U.S.C. 1681c-B Section 606 15 U.S.C. 1681d Section 607 15 U.S.C. 1681e Section 608 15 U.S.C. 1681f Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Section 626 15 U.S.C. 1681v Section 627 15 U.S.C. 1681w Section 628 15 U.S.C. 1681x Section 629 15 U.S.C. 1681y
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| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently reached out to Transunion about the numerous amount of fraudulent accounts that are on my consumer report. I did a state, Attorney Generals complaint, as well as a FTC employee, as well as a California, consumer protection and innovation complaint, as well as a complaint here with the consumer financial protection bureau, stated in one of those complaints on XX/XX/XXXXXXXX Transunion responded back to the XXXX XXXX XXXX and stated that after their rebuttal and further investigation they removed these accounts from my consumer report I supported that in all of the documentation in which they receive, I have the letter here, and heres what ( Transunion stated in my XXXX COMPLAINT ( Complaint ID : XXXX ( REBUTTAL ) ) -Based on the complaint and rebuttal complaint and after further review, we have deleted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from the consumers credit report XXXX now today I see the XXXX accounts are now back reporting via Transunion, and that they have been updated. These are numerous violations and omissions of guilt by Transunion, which I will be seeking civil action for the multiple violations of the FCRA and the fair debt collection practices act, as well as the Graham Leach Bliley act, I demand Transunion to remove my name, my personal information and from any of their affiliate sites and block all of the fraudulent accounts, and in which it removed and then replaced. This is a truly grotesque miss management, and Blatant disregard for the federal law. They have showed me know mode of investigation, and how they came about re-adding these negative accounts to my consumer report, which are not reporting on any of the other national credit reporting agencies websites. TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site TRANSUNION/then, you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt Transunion/ are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ive sent out multiple FTC reports XXXX reports California consumer protection and innovation complaints as well as a California state , Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( TRANSUNION ) CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by TRANSUNION/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies TRANSUNION/furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you / ( ( TRANSUNION ) ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section
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| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page. And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX Date XXXX Account XXXX Reason for dispute_______identity XXXX Account Amount_________ $ XXXX Account Name____XXXX XXXX__________________________________ Date XXXX Account XXXX Reason for dispute______identity thefXXXX Account Amount______ $ XXXX Account Name________XXXX______________________________ Date XXXX Account XXXX Reason for dispute__identity XXXX Account Amount________ $ XXXX Account Name_____XXXX XXXX XXXX_________________________________ Date XXXX Account XXXX Reason for dispute________unverified___________________________ Account Amount_____________________________________Inquiries that do not belong to me and I had no knowledge of Creditor Name Type of Business Date of inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal dispute and request enforcement of my legal rights regarding several violations that have significantly impacted my financial well-being. I urge the Consumer Financial Protection Bureau ( CFPB ) to consider the gravity of these violations and take appropriate action to rectify the situation.
In recent times, I have become acutely aware of multiple infractions committed by various creditors that have adversely affected my credit report and, subsequently, my life. The violations I've identified, along with their respective account numbers and corresponding legal violations, are as follows : XXXX XXXX XXXX XXXX Unauthorized Credit Pull Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 605B CCR | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX AZ XXXX : Incorrect Address The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violated Laws : Violation of Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( F ) XXXX XXXX XXXX Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ) XXXX XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 605B XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 605B XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 2 ) XXXX XXXX XXXX XXXX AZ XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report. Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violated Laws : Potential Violation of Fair Credit Reporting Act ( FCRA ), Section 623 ( a ) ( 1 ) ( A ) The consequences of these violations extend far beyond mere financial inconvenience. They have taken an emotional toll on me and my family, causing XX/XX/XXXX, sleepless nights, and an overwhelming sense of helplessness. The stress of battling these inaccuracies has affected my physical and mental well-being, straining my relationships and disrupting my daily life.
I implore the CFPB to enforce the legal protections that exist to shield consumers from such unjust practices. I believe in the importance of a fair and transparent credit reporting system that accurately reflects my financial history. I humbly request that the CFPB take the necessary measures to hold these creditors accountable for their violations and ensure that my rights are upheld.
Furthermore, in light of these discrepancies and violations, I respectfully request that the relevant creditors promptly remove the unverified accounts from my credit report. This action is essential to restoring my financial security and mental well-being.
Thank you for your attention to this matter. I trust that the CFPB will take the appropriate steps to address my concerns and uphold the rights of consumers like myself. I look forward to your response and resolution of these issues.
Sincerely, XXXX XXXX XXXX
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| 03/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX To Whom It May Concern : I am writing to dispute incorrect information in my credit file, which you furnished to credit reporting agencies. On XX/XX/XXXX, I received a copy of my credit report from 3 credit reporting agency. That report included the following information, furnished by you : XXXX XXXX Closed : XX/XX/XXXX Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureau 's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.
This negative mark is damaging my credit. Please promptly contact XXXX, XXXX, and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.
Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SS # XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, www.consumerfinance.gov/XXXX.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. Sections 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. section 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute From Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute From Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to " nationwide '' consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The CFPB has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties When ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
The CFPB 's website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for businesses and the full text of the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. section 1681 et seq. : Section 602 15 U.S.C. 1681 Section 603 15 U.S.C. 1681a Section 604 15 U.S.C. 1681b Section 605 15 U.S.C. 1681c Section 605A 15 U.S.C. 1681c-A Section 605B 15 U.S.C. 1681c-B Section 606 15 U.S.C. 1681d Section 607 15 U.S.C. 1681e Section 608 15 U.S.C. 1681f Section 609 15 U.S.C. 1681g Section 610 15 U.S.C. 1681h Section 611 15 U.S.C. 1681i Section 612 15 U.S.C. 1681j Section 613 15 U.S.C. 1681k Section 614 15 U.S.C. 1681l Section 615 15 U.S.C. 1681m Section 616 15 U.S.C. 1681n Section 617 15 U.S.C. 1681o Section 618 15 U.S.C. 1681p Section 619 15 U.S.C. 1681q Section 620 15 U.S.C. 1681r Section 621 15 U.S.C. 1681s Section 622 15 U.S.C. 1681s-1 Section 623 15 U.S.C. 1681s-2 Section 624 15 U.S.C. 1681t Section 625 15 U.S.C. 1681u Section 626 15 U.S.C. 1681v Section 627 15 U.S.C. 1681w Section 628 15 U.S.C. 1681x Section 629 15 U.S.C. 1681y
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| 08/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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These accounts are paid in full.
XXXX/XXXX Last reported : XX/XX/XXXX {$300.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$31000.00} XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$3000.00} The account below is not mines and I have disputed once before.
XXXX XXXX XXXX Closed : XX/XX/XXXX {$1400.00} XXXX XXXX XXXX Last reported : XX/XX/XXXX {$5900.00} The inquiries below are not authorized by me.
Transunion iquires : XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX XXXX & XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX.
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| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My name is : XXXX XXXX XXXX I have had multiple conversations with the fraud departments of all three major ( XXXX ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXX/TRANSUNION/XXXX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/TransunionXXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint TEXAS state Attorney Generals complaint and TEXAS OFFICE OF CONSUMER CREDIT COMMISSIONERS complaint with a sworn affidavit of truth, I asked the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX card which has an amount of $ {$30000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXXfurnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028 A ( copy of the : consumer credit contract is not sufficient to validate the debt. ) ( Validation requires-presentment of the account and ( general ledger statement signed and dated by the party responsible for maintaining the accountXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.
My only Phone number is XXXX XXXX XXXX XXXX Delete any and all other phone numbers.
1 demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.
Delete all information in the employer section. XXXX XXXX which has an amount of $ {$30000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXXXXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulentnames ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XXXX XXXX XXXX AMOUNT DATE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXXXXXX XXXX XXXXXXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX XXXX XXXX Bankruptcy Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED XXXX REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION POWER XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION REGIONAL XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX -This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX - This employer belongs to someone else. Delete it from my report immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have consistently disputed the inaccuracies in the provided information with XXXX, XXXX, and TransUnion ; regrettably, the matter remains unresolved to date.
The inaccuracies pertain to the following details : 1. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX OH XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX AND XXXX. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX Employers : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX : XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX - XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX - XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The status is incorrect for the following account XXXXXXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
XXXX. The following accounts were closed by me and should state that XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
The inaccuracies pertain to the following details : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX OH XXXX XXXX. The following personal information is incorrect Employers XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The following personal information is incorrect XXXX Case Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The status is incorrect for the following accounXXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXXXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX Account XXXX : XXXX Please investigate and delete from my credit report.
XXXX. The following accounts were closed by me and should state that XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
The inaccuracies pertain to the following details : XXXX. The following personal information is incorrect XXXX : XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX XXXX. The following personal information is incorrect Employers : XXXX EMPLOYEE XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect XXXX XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The status is incorrect for the following accounXXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please investigate and delete from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXXXXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to formally dispute multiple violations of the Fair Credit Reporting Act ( FCRA ) and other relevant laws, as indicated by the numerous inaccuracies and unauthorized credit inquiries found on my credit report. These violations have had a profound impact on my life, prompting me to seek the assistance of the Consumer Financial Protection Bureau to ensure the enforcement of the legal safeguards designed to protect consumers ' financial rights.
The violations that require your attention pertain to the following legal provisions : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA, encompassing Sections 609, 611, and 623, serves to regulate the procedures involved in challenging inaccuracies present on credit reports. These sections demand thorough investigation, correction, and timely resolution of disputes. Furthermore, Section 604 mandates the accurate and responsible reporting of information by creditors.
2. Unauthorized Credit Inquiries : Unauthorized credit inquiries conducted without obtaining my explicit consent contravene federal and state laws established to safeguard consumer rights and maintain personal privacy.
3. Fair Debt Collection Practices Act ( FDCPA ) : Should the creditors engage in debt collection activities, adherence to the FDCPA becomes vital to ensure ethical behavior and prevent any form of harassment or unfair practices.
4. Truth in Lending Act ( TILA ) : Inaccuracies related to credit terms, interest rates, or payment details can invoke the Truth in Lending Act, which emphasizes transparency and honesty in lending practices.
5. Identity Theft Laws : Instances of identity theft or the propagation of incorrect personal information could invoke laws enacted to protect individuals from identity theft and guarantee the accurate representation of personal data.
6. Consumer Protection Laws ( State-Specific ) : Specific consumer protection laws established at the state level may complement federal statutes, addressing concerns such as unauthorized access to credit reports and deceptive business practices.
In light of the violations and their repercussions, I hereby implore the Consumer Financial Protection Bureau to intervene on my behalf. It is my earnest request that you compel the involved creditors to diligently investigate and authenticate the accuracy of the reported accounts. Furthermore, I ardently advocate for the removal of unverified accounts from my credit report to mitigate the ongoing financial hardship caused by these discrepancies.
I understand the intricacies associated with the laws and the potential variations based on jurisdiction. I am committed to seeking legal guidance from an attorney who specializes in consumer law to navigate this complex situation. However, the seriousness of my case underscores the broader implications for the integrity of the credit reporting process, potentially affecting numerous other consumers as well.
In the spirit of transparent communication and accountability, I humbly request your attention to this matter. I look forward to your response, guidance, and assistance in taking the appropriate steps to rectify these violations and alleviate the adverse impact they have had on my financial well-being.
List of Accounts and Violations : THE BUREAUS : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX : Account number : Adress, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
THE BUREAUS : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly invesgate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX : Account number : Adress, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
I appreciate your attention to this pressing issue and your commitment to safeguarding consumers ' rights and the integrity of the credit reporting system.
Sincerely, XXXX XXXX
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| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I, XXXX XXXX XXXX, I am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
I DEMAND THAT THE FOLLOWING ACCOUNT MUST BE UPDATED AND CORRECTED FROM " LATE '' TO " CURRENT '' :
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| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Shanyra L Frazier, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # 166581998, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
I DEMAND THAT THE FOLLOWING ACCOUNT MUST BE UPDATED AND CORRECTED FROM " LATE '' TO " CURRENT '' :
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
2. XXXX XXXX Account Number : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX, AZ XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX, AZ XXXX 11. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 13. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. Did not consent to unauthorized inquiry XXXX XXXX A Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
21. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 23. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 24. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX 25. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXXXXXX Washington, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 07/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Payments were not more than 30 days late XX/XX/XXXX Payment was made on XX/XX/XXXX extension was given on account on XX/XX/XXXX payment was 15 days late not XXXX XX/XX/XXXX Payment was made on XX/XX/XXXX extension was also given on XX/XX/XXXX payment was 13 days late not XXXX XX/XX/XXXX Payment was made on XX/XX/XXXX and also XX/XX/XXXX payment was 18 days late not 30 and 1 day late in XXXX None of these payments were more than 30 days past due Arbitration was not granted after requested Page 4 of the purchase contract allows for Arbitration and that request was ignored by XXXX XXXX on XX/XX/XXXX and ignored by XXXX XXXX repeatedly from XXXX to XX/XX/XXXX Pay for delete letter was accepted by XXXX XXXX XXXX accepted my offer on XX/XX/XXXX when they cashed check # XXXX and they were to remove the late payments that werent even accurate as reported. The offer was made by me with the check and the letter laid out the offer and was clear with a provision that if this offer was refused, to send the check back and we could also take this to Arbitration, which was ignored. The consideration was not given to me, as XXXX kept the check, cashed it and this would be failure of consideration, as XXXX violated the contract that was presented here.
Dealership deceptive practices ignored XXXX endorsed the actions by XXXX XXXX XXXX, when they made me pay for the sales tax out of pocket and was not included in the finance agreement. XXXX XXXX XXXX also changed the down payment on me right as we were doing the deal and strong-armed me into the deal. Saying my down payment wouldnt be refunded. I mentioned this numerous times and XXXX showed no interest in making this matter correct.
XXXX engaged in several actions that would violate the agreements we had and I just want these late payments removed to make this correct and we can all move on.
here is the letter I sent the letter sent before along w the check XX/XX/XXXX Re : Account Number XXXX Dear Credit Report Dispute Dept, Recently i sent a letter with my side of this dispute that has been ongoing and a resolution offer to this account and it was based on conversations we previously had. I sent a check for {$100.00} and in the letter, it stated that if the check is cashed, that the agreement is being accepted, as it also indicated that on the check. I have not seen any change in my credit report and this is in violation of our agreement. You entered into a contract with me when you accepted the agreement with the check being the key instrument in this agreement. If you are unwilling to live up to your end of the agreement, please send the check back and/or the {$100.00} in question, as it was mentioned in the letter. I have attached a copy of the cancelled check and the letter i sent. Im asking either you refund my money that I sent to you due to failed performance of the agreement or to change my credit report to paid off/closed, along with removing ALL late payment and negative information, as you agreed to do when you accepted my letter and check or else just delete this account from my credit reports all together.
As you know, the three basic elements to a contract are : ( 1 ) an offer ; ( 2 ) an acceptance of the offer ; and ( 3 ) sufficient consideration to support the offer and acceptance. In addition, there must be a reasonable certainty as to what the parties are to do, or not to do, when they are to do it, and what the consideration is. Finally, the parties must be competent to contract, that is, they must be of sufficient age, in reasonable possession of their wits, and not under legal XXXX. In Pennsylvania, a breach of contract action involves ( 1 ) the existence of a contract, ( 2 ) a breach of a duty imposed by the contract, and ( 3 ) damages. Like an offer, an acceptance can be express or implied, written or oral and when you cashed the check, it was implied that you accepted my offer due to the fact it was specifically expressed in this agreement. There was a chance for you to reject this offer, as by law, the person to whom an offer is directed may reject the offer. You could have sent the check back and declined my offer, but the check was cashed with everything made out clear in both the letter and on the check itself. The person may also make a proposal of her own, that is, make a counteroffer, but no counteroffer was made to me, but rather an acceptance of my offer, which was reasonable, not complicated and clearly expressed. If you couldnt honor the agreement/contract, the check should have been sent back explaining that it cant be accepted under these circumstances, but it wasnt.
I didnt ask for this account to be deleted, but I wanted the negative information changed due to the fact that it was reported inaccurate with misinformation given by your company, when I have repeatedly submitted evidence to the contrary. All i wanted here was a fair resolution and i have attempted to send several letters and offers to resolve this matter. Your company accepted my last offer and Im asking that you honor it and if you tell me that you can't honor it, than i need to know why and what you plan on doing to make this situation right. Why would you accept an agreement that you know that you can't honor? I never ran away from this matter, as i have sent letter after letter, made several calls and i have been ignored. The bottom line here is that I made an offer, laid out the terms clearly and you accepted by cashing the check. I do want to resolve this matter and i look forward to your reply.
XXXX XXXX Here is the letter I sent in full with a copy of the cashed check by your company XX/XX/XXXX Re : Account Number XXXX Dear XXXX XXXX, This letter is in response to our conversations from a few weeks ago and this is related to the account referenced above. I wish to save us both some time and effort by paying off this loan with some of the late fees that were not fairly posed onto me. This is an attempt to resolve this matter peacefully and I have enclosed payment to resolve this account without either side admitting any wrongdoing or any dispute over the reporting of this debt and this account will be shown as paid off/closed and any subsequent negative information referring to this account will be removed from my three credit reports ( XXXX, XXXX and Transunion ).
I am aware that your company has the ability to report this debt to the credit bureaus as you deem necessary. Furthermore, you have the ability to change the listing since you are the information furnisher. This debt has not been reported accurately and I want to finally put this matter to rest with this offer.
I have enclosed a check ( # XXXX XXXX from XXXX XXXX XXXX in the amount of {$100.00}, which will serve as the final payment to this account, as the other payments was made on your website. This check for your agreement to mark this account on my credit reports ( XXXX, XXXX, Trans Union ) as paid off/closed and remove any negative information ( collection, late payments, charge-off ) on all of my credit reports within three calendar days of payment. If you agree to the terms in this letter, which would be cashing this check ( # XXXX XXXX that I have sent for {$100.00}, which is payable to XXXX XXXX is an binding agreement to have all information related to this account on my credit reports ( XXXX, XXXX, Trans Union ) adjusted accordingly, which would be to remove all negative information ( charge off, collection, late payments ) and show the account as paid off/closed.
This account was not reported accurately and I want to resolve this as my payments were made with the agreement over the phone of no late fees for payment, but I was charged those anyway and late payment reporting on my credit report, even though I have shown evidence that the payments were not 30,60 or 90 days past due. From the very start of this loan, there have been deceptive practices done by the dealership involved, such as me having to pay all of the taxes owed in full without being included on the loan. The dealership made me not tell you about this after they took my {$2000.00} down payment. They also lied to me about the down payment amount due and the amount of the monthly payment.
If the check ( # XXXX XXXX for {$100.00} is cashed that means you are accepting my offer to remove all negative information from all three credit reports and mark the account on my credit reports as paid off/closed and this letter will be treated as a contract and subject to the laws of my state.
If I do not receive your postmarked or email response within 3 days of cashing the check, stating that letters will be sent to the three credit bureaus ( XXXX, XXXX, Trans Union ) that the reporting of this account will be changed to paid off/closed and any subsequent negative information will be removed ( late payments, charge off, collection ), I will withdraw the offer, request the check to be sent back and request further relief, including arbitration, as afforded to me in the purchase agreement. Im asking for you to send by postal mail a letter to show that you have requested that the three credit bureaus ( XXXX, XXXX, Trans Union ) change this account on my report to paid off/closed and to remove any information related to late payments, collection and charge off. I hope we can work together and get this matter resolved and again Im not being difficult, but this matter has caused me serious problems and the lack of response I have gotten from XXXX XXXX and XXXX XXXX XXXX over this in the last four years has been very frustrating and this agreement allows us both to walk away clean and peacefully.
Please forward your agreement to the address listed above.
Sincerely, XXXX XXXX XXXX quoted text I'm really disappointed that you are showing a total disregard for my concerns and the evidence in this case and not addressing my concerns you said the agremeent was null and void but yet you ACCEPTED the terms of the offer you're not allowed to accept terms of an offer unless your going to honor the offer there was a provision to return the check but you refused to do that cashed the check with the terms clearly laid out I made repeated requests for arbitration and I was ignored in our contract im allowed to request arbitration if there are issues we can't resolve you have also ignored the issues with XXXX XXXX XXXX and the deceptive practices its almost like your endorse how they do business and obtain loans for you Show quoted text
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| 08/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I first started our complaint on, on XX/XX/2018 but I was informed by the CFPB, that I have to submit a, " New Compliant '' for each and every credit bureau company as well as with the companies being that this is a, " JOINT ACCOUNT '' as we have our own credit reports showning different information. " Most of all the errors occured under Co-Applicant Name as I had had a pior, " Individual account which shoud have been closed yet it wasn't when my husband and I applied for the, " New Joint Account! '' So, our complaint is one and the same only difference is you will notice on all the information I gathered for your investigation that again most all, " Illegal and very fraudulent account appear on Co-Applicant 's Credit Report and for these reasons we had no idea where exactly our monthly auto-pay was going as the amount on the Joint Account was not being deducted as it should have been. " But it is, " One and the same account! '' I am sorry that this is so very confusing but I am doing my best to explain it. ( One other very important fact is as I was researching all the illegally opened and closed account and even the Joint Account, " I noticed even more errors in how they processed the account as it was not done correctly at all! '' These companies should be able to find these errors I was able to! This " Complaint '' is for my husband who is the main signer on the, " Joint Account '' where we thought we were paying every month but this was not the case at all! If both companies take the time to investigate, they will see that the monthly payments were not being applied or deducted correctly. " This is something that is a major concern for my husband and I as our names and social security numbers were more than likely used for those illegal opened and closed loans! And, the fact being that we only took out two loans. One being an, " Indiviual Account. '' and one being a " Joint Account! '' So even though that on my husband credit reports you will only see the, " Joint Account '' all the errors and payments were being applied elsewhere as we were not seeing our balance decrease and that is why I started investigating and calling the companies! All errors seem to be reporting on Co-Applicant 's Credit Reports! ( This is so very confusing! ) We never applied for any of those other loans. We are unable to provide exact dates because I have been dealing with two seperate companies that are some how still tied to each other as one sold their company to the other but never, " Closed '' their loan contract so I am showing the, " Old & the New Joint Loan '' as if it were two loans. It is very confusing and not even these companies could figure out how to fix this mess! These companies have committed illegal activities. REPORTING BILLING ERRORS WITH ILLEGAL/FRAUDULENT ACTIVIIES BY CREDITORS : XXXX XXXX XXXX & XXXX XXXX RE : Illegal/fraudulent Loan ( s ) Loan Accounts are grossly incorrect on both, Old and New Accounts. Disputed both XXXX XXXX XXXX & XXXX XXXX XXXX as numerous accounts have been opened and closed that were not approved by US the Consumers. Plus, Old Loan information that should have been CLOSED is still OPEN and billing my bank account! The same thing is happening with the newest account which is Joint Account XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Companies are and have been violating our rights under the, Federal Trade Commission Lending Laws It is illegal to be billing us for accounts in which they all have different accounts numbers, with different amounts due, and an account that should have been closed when we entered into a, Joint Loan Contract but they did not close it and continued to report this information to the Credit Bureaus! Other accounts have been, Opened and Closed without our consent or Loan Agreements with both XXXX XXXX XXXX and XXXX XXXX. These illegal and fraudulent, Open and Closed Accounts show dates that were not applied by my husband or myself, yet these companies continue to report them as if they were legal! All three, major credit bureaus are showing many different accounts and the billing errors that are being reported do not match or make any sense! Trans Union, XXXX and XXXX all have numerous accounts that are listed as, Paid in Full, yet we never signed loan contacts for any of these accounts! It is quite illegal and fraudulent to conduct such business as there are many, many incorrect billing errors. Plus, the questions as to where our monthly payments are being applied to? After reaching out to both companies I finally decided it would be in our best interest to move forward in disputing these illegal loans with, Trans Union, XXXX and XXXX so they can investigate and confirm that these illegal loans are not valid and need to be removed/deleted from our credit reports. So, to date we have disputed these, Illegal Opened and Closed Accounts and on my Trans Union Credit Report, they investigated and confirmed this illegal information and they removed/deleted the account showing and on my husbands XXXX Credit Report they have removed and deleted all of the illegal accounts with these companies as they too investigated and confirmed these loans as fraudulent and grossly being reported as such. We will continue disputing with All three major credit bureaus, Trans Union, XXXX and XXXX Credit Bureaus so that all illegal/fraudulent activities can be removed/deleted from our Credit Reports! Plus I had no other choice but to do a STOP PAYMENT with my Banking Institute as I had our payments set-up as, Automatic Payments withdrawn from our bank account on a monthly basis but we have no ideas where are payments are being applied to as the accounts are illegally reporting to the Credit Bureaus! It is a complete mess that not even these companies could give me any clear answers as to why this was going on in the first place. Also, being placed on both my husbands and my credit reports are many Inquires for loans that we know we did not do. I believe that on just my credit reports I have up to six or more inquiries from both companies. My husband 's is just as bad as mine on the Inquire Section of our credit reports. These need to be removed as well! One other very important issue that I would like to bring to the attention of Credit Financial Protection Bureau is that these companies do not explain clearly the terms of the loan agreement till after a person signs the loan contract. When I brought this to the attention the Loan Officer I expressed to her that had I fully understood the terms of these loan agreements, I would have never signed the loan contract! I feel certain information is withheld till after the fact! In fact, I even made a comment that I felt so very bad for our Elders who most are only Spanish-Speaking and they have a hard time understanding the English Language and the Office Manager agreed with me and said that she too felt bad for, Our Elders! Plus, these loan officers seem to rush through the loan process as they make you feel that they have other people waiting so a person does not get that full one on one time that is truly needed in these types of situations. My experience was far from professional as both times I met with the, Office Manager and Loan Officer, they both took telephone calls while working with me and they also tried to help other people apply for their loans at the same time! I was very dissatisfied with how these companies have trained their employees as it lacks professional respect! ( Informtion I copied from Credit Reports is stated below! ) Accounts Removed from Trans Union Credit Report XXXX - Account Removed From Report Since this account is no longer on your credit report, its details won't be factored into your credit score. Accounts can sometimes be removed due to things like disputes and reporting errors. Between XX/XX/2018 and XX/XX/2018, your account with XXXX was removed from your credit report. XXXX from XXXX Credit Report We noticed 1 change to your credit report. Updated Account Information XXXX - Remark Added to Account Remarks are meant to make your report more clear. If you're not sure what this remark means or where it came from, you can contact your creditor or the credit bureau for more information. Between XX/XX/2018 and XX/XX/2018 the following remark was added to this account : Consumer disputes - reinvestigation in progress. OUR INFORMATION CONTINUED HERE ; In submitting our complaint, being that it is a, " Joint Account '' yet I am still paying to the Oldest Company on my credit report so it makes it appears as their as two diffferent loans and we do not know were our monthly payments are being applied to as this is so very confusing. When I spoke to the companies they also did not have any ideas as how to answer my questions on what was going on and so I felt it best to reach out to all our Credit Bureaus and the Compaines using the CFPB! What I did realize is that is it quite illegal to open and close other loans that we never ever signed any legal loan documents to! They are all different on all the three major credit reports and it is a hugh mess! Also these companies repeatedly did hard checks on our credit reports that are in the " Inquires '' to the point that there are more than normal on both mine and my husband 's credit reports. ( Please Note : I do believe now that the main reason that the illegal reporting errors were mostly on ( Co-Applicant 's Credit Report ), is because there was a pior, " Individaul Account '' that should have been closed when we applied for the, " Joint Account! '' There is, " ONE MAJOR ERROR '' that these companies are overlooking and, " We are totally shocked at how negligent these two companies conducted and processed their business accounts. They should be able to find this illegal error as it is plain and clear and most illegal! We do not want to interfer with their investigation so I am not sure what to do with this new found information, but the employees need to seriously be trained on the legal libilities of their actions concerning finanical factors when assigning some one a new loan, that never, ever should have occurred in the first place. Because of the many illegal/fraudulent reporting errors, Our, " Joint Loan Contract '' is a " Breach of Contract '' under the, " The Federal Trade Commission Consumer Laws and also under the United Stated Disabled Individuals Act, that clearly states it is illegal to take advantage of those who are XXXX under the United States Laws.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
I DEMAND THAT THE FOLLOWING ACCOUNT BE VERIFIED OR REMOVED IMMEDIATELY :
|
| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
XXXX XXXX XXXX XXXX - Determination of finance charge XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction.
XXXX XXXX XXXX ( XXXX ) A debt collector XXXX not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
XXXX XXXX XXXX XXXX -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of XXXX XXXX XXXX XXXX XXXX XXXX Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
XXXX XXXX Code XXXX - Validation of debts XXXX am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Under XXXX XXXX XXXX XXXX permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under XXXX XXXX Code XXXX you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA XXXX this information must be blocked immediately until the investigation is over.
Also XXXX XXXX XXXX defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under XXXX XXXX. XXXX I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under XXXX XXXX XXXX - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
I DEMAND THAT THE FOLLOWING ACCOUNT BE VERIFIED OR REMOVED IMMEDIATELY :
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA XXXX misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
XXXX XXXX XXXX XXXX Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
XXXX XXXX XXXX XXXX - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
XXXX XXXX Code XXXX ( b ) XXXX ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA XXXX furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
XXXX XXXX XXXX XXXX. Unfair practices A debt collector XXXX not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector XXXX use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt XXXX business.
XXXX XXXX XXXX XXXX - Definitions and rules of construction ( XXXX ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under XXXX XXXX XXXX this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT XXXX YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. XXXX XXXX XXXX XXXX a ( XXXX ) XXXX XXXX to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA XXXX harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section XXXX ( XXXX ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
XXXX XXXX XXXX XXXX ( XXXX ). XXXX of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( XXXX ) Not state that such a consumer owes any debt ; but yet these debt XXXX contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
XXXX XXXX XXXX XXXX. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate XXXX. You are breaking FCRA XXXX.
XXXX XXXX XXXX XXXX - Determination of finance charge XXXX XXXX XXXX defines a finance charge as the sum of all charges in a consumer credit transaction.
XXXX XXXX XXXX ( XXXX ) A debt collector XXXX not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
XXXX XXXX XXXX XXXX -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of XXXX XXXX XXXX XXXX XXXX XXXX Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
XXXX XXXX Code XXXX - Validation of debts XXXX am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Under XXXX XXXX XXXX XXXX permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under XXXX XXXX Code XXXX you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA XXXX this information must be blocked immediately until the investigation is over.
Also XXXX XXXX XXXX defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under XXXX XXXX. XXXX I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under XXXX XXXX XXXX - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! XXXX XXXX XXXX Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
US SM BUS ADMIN ODA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX MA XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX/XXXX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
|
| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Transunion, XXXX, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) XXXX ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector XXXX use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer RighXXXX to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts XXXX am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
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| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible.
Sincerely, XXXX XXXX XXXX Enclosed : Identity Theft Affidavit Identification Documents Notice to Furnishers Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in XXXX. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section XXXX imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section XXXX ( XXXX ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section XXXX ( a ) ( XXXX ).
Duties After Notice of Dispute from XXXX If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to XXXX for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section XXXX ( a ) ( XXXX ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing XXXX XXXX, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section XXXX ( a ) ( XXXX ). This notice will enable CRAs to comply with their duties under Section XXXX ( g ) when reporting medical information.
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher XXXX not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section XXXX ( a ) ( XXXX ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section XXXX ( a ) ( XXXX ). When any furnisher of information is notified pursuant to the procedures set forth in XXXX XXXX that a debt has resulted from identity theft, the furnisher XXXX not sell, transfer, or place for collection the debt except in certain limited circumstances. Section XXXX ( f ).
The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.
Citations for FCRA sections in the XXXX Code, XXXX XXXX. XXXX et seq. : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX Section XXXX XXXX XXXX. XXXX
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| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX XXXX Bankruptcy Case Number : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, NM XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX -This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX - This employer belongs to someone else. Delete it from my report immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Mexico XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to XXXX years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within XXXX days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( XXXX ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurat
e Information. You are breaking FCRA LAWS. 15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. 15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical
person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the XXXX, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA lawsXXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA XXXX this information must be blocked immediately until the investigation is over.
Also XXXX XXXX XXXX defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692hXXXX Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA XXXX harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX,, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 08/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b
) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX,, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validations.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
XXXX XXXX XXXX XXXX - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Under XXXX XXXX XXXX XXXX permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also XXXX5 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # 161281501, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( XXXX ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Unde
r 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me wit
hin 24 hours of receiving this dispute letter. Under 15 U.S.C. 168
1g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Jahmier Robert Lee, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # 163889263, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA XXXX misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX,, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the foll
owing conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Andre Lemore Judson, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # 166524915, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXXXXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by XXXX, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a XXXX XXXX XXXXXXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very XXXX and XXXX by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( XXXX ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXXXXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is, XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general S
ubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 12/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts XXXX XXXX the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this isXXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( XXXX ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 10/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXXXXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is, XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these d
ebt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Najala Monee Taylor, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # 160752370, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except th
at a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR
AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a re
sult of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts XXXX am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Bartolome Rivera III, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXXXXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA XXXX misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA XXXX this information must be blocked immediately until the investigation is over.
Also XXXX XXXX XXXX defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I Aracelis Mari Caceres the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this isXXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681XXXX defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validations.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate XXXXnformation. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( XXXX ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validations.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX. XXXX XXXX with Account # XXXX for a debt owed of {$3400.00} that is reporting as a Collection/Charge Off Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately.
XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, TYPE OF ISSUE Debt was result of identity theft and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy
. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his busi
ness name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt
Collection business. 15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report. I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be priv
ate to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying infor
mation of another person. These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft. 15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors conta
cted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX4 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 07/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA XXXX misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt XXXX business.
XXXX XXXX XXXX XXXX - Definitions and rules of construction ( XXXX ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under XXXX XXXX XXXX this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a XXXX on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA lawsXXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S
Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORT
ING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15
U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization. ( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and XXXX by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much XXXX. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Samirah Sade Freeman, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. XXXX said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( XXXX ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1XXXX92h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validations.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of
the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
XXXX XXXX XXXX XXXX - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CRED
IT REPORT. FDCPA 807 mislead
ing false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its
payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges
in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 05/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC report # XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX , am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX , the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 06/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own XXXX eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX XXXX, I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( XXXX ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector XXXX use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those pa
yments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hou
rs of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, Anna Flores, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports XXXX XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
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| 06/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you.
VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES CODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. XXXX FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : http : XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor.
2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS.
3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150.
5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court.
6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt.
7. Discovery of Evidence Discovery of name and address of original alleged creditor.
8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account.
9. Discovery of Evidence Discovery of name on file of alleged debtor.
10. Discovery of Evidence Discovery of address on file for alleged debtor.
11. Discovery of Evidence Discovery of alleged account number.
12. Discovery of Evidence Discovery of amount of alleged debt.
13. Discovery of Evidence Discovery of date this alleged debt became payable.
14. Discovery of Evidence Discovery of date of original charge off or delinquency.
15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account.
16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector.
17. Discovery of Evidence Discovery of complete accounting of alleged debt.
18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt.
19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2.
20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions.
21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties.
You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws.
Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist.
At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CORPORATION/COMPANY NAME or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated.
Best Regards, XXXX XXXX
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| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I, XXXX XXXX, am verifying that this is XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To the CFPB : 15 USC 6805 Enforcement. ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, ALL ACCOUNTS ARE IN VIOLATION OF THE PRIVACY ACT OF 1974 ( 5 U.S.C subsection 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports.
( b ) Conditions of Disclosure. No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
They need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information.
Accounts that are reporting as Charge offs.
Charge offs are consider certificates of indebtness and 1099-C are filed.
According to the IRS Publication 4681 ( 2022 ) Canceled Debts, Foreclosures, Repossessions and Abandonments.
Under introduction it states : Generally, if you owe a debt to someone else and they cancel or forgive that debt for less than its full amount, you are treated for income tax purposes as having income and may have to pay tax on this income. Also, under General Rule it states : Generally, if a debt for which you are personally liable is forgiven or discharged for less than the full amount owed, the debt is considered canceled in whatever amount it remained unpaid. Generally, you must include the canceled debt in your income. A debt includes any indebtedness : For which you are liable, or Subject to which you hold property. Per the IRS, charge offs are considered income and income can not be reported on my credit report. They MUST be REMOVED!
XXXXXXXX XXXX is reporting the following XXXX charge off and XXXX Charge off XXXX XXXX is reporting the following Transunion charge off and XXXX Charge off These are the accounts that are in violation of 15 USC 1681 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
XXXX XXXX is reporting the following Transunion open date XX/XX/XXXX and XXXX open date XX/XX/XXXX XXXX is reporting the following Transunion open date XX/XX/XXXX, XXXX open date XX/XX/XXXX and XXXX open date XX/XX/XXXX These same accounts such as : XXXX, XXXXXXXX XXXX, XXXX, and XXXX XXXXXXXX are in violation of the following 15 USC subsection 6802 Obligation with respect to disclosures of personal information.
( a ) Notice requirements- Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt Out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( a ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( b ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option 16 CFR 313.1 Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 313.13, 313.14, and 313.15.
16 CFR 314- Standards for safeguarding customer information. Also see 15 USC 6801 ( b ) 6805 ( b ) ( 2 ) I have not given XXXX, XXXXXXXX XXXX, XXXX, and XXXX XXXX permission to furnish my information to third parties and I was not given notice of such furnishings.
15 USC subsection 1681b- Permissible purpose of consumer reports.
( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
AGAIN, I DID NOT GIVE WRITTEN CONSENT TO FURNISH ANY OF THE ABOVE ACCOUNTS ON MY CREDIT REPORT.
15 USC subsection 1681c- Requirements relating to information contained in consumer report.
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven year.
WITH THE EXPECTIONS OF CONVICTION OF CRIMES, NOTHING SHOULD BE FURNISHED ON MY CREDIT REPORT.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
As you can see, All the forementioned accounts must be removed from my credit report due to several violations.
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| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX, am verifying that this is, XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX, OH XXXX XX/XX/XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX. Bankruptcy : XXXX XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX.
Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 07/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to XXXX XXXX for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX & XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within XXXX hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 04/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, I am verifying that this is XXXX XXXX, and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the XXXX laws., I understand that under XXXX XXXX Code XXXX you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I XXXX XXXX XXXX the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC report # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the Equifax & Experian data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
|
| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA XXXX misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( XXXX ) Not state that such a consumer owes any debt ; but yet these debt XXXX contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no othe
r : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to XXXX, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt XXXX business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) XXXX XXXX to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad Paranoia that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). XXXX of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these XXXX XXXXXXXX contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA XXXX.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of XXXX or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, I have developed a very bad XXXX that I have to take medication for. You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j 15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE don't respond to my request by saying that these accounts have been verified by the information provider. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE accuracy OF THESE DISPUTED ACCOUNTS.
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| 11/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX, am verifying that this is XXXX XXXX and there is no need to ask for validation.
RE : You violated the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting fraudulent accounts that aren't actually mine, which is an infringement of my privacy. Congress said I have the right to decide what I deem private. I deem my hard inquiry and account information to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT.
FDCPA 807 misleading false reporting THE INFORMATION YOU ARE REPORTING WOULD LEAD A FUTURE CREDITOR TO BELIEVE I APPLIED FOR ALL THESE INQUIRIES & accounts, when in reality it wasn't me, it was a scammer. Reporting these false things is very misleading. You are in violation because you did not witness me sign for these inquiries or accounts, so you can't actually verify that they are accurate, but yet you still reported these things to my credit report which goes against the FCRA laws for FAIRNESS.
15 USC 1681 n Civil liability for willful noncompliance You willfully accepted this credit information about me without verifying with your own two eyes that it was me who applied for this credit. Willful compliance is punishable up to {$1000.00} per violation.
18 U.S. Code 1028A - Aggravated identity theft You shared my information with numerous creditors without getting my consent first. you are criminally liable for aggravated identity theft which is punishable for up to 2 years.
15 U.S. Code 6802 ( b ) 1 ( ) ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information DIDN'T DISCLOSE TO ME THAT I HAD THE RIGHT TO OPT OUT OF THIS INFORMATION BEING SHARED. THAT WAS VERY deceptive OF YOU. You never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of.
FDCPA 8012 furnishing deceptive forms You furnished these inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so you don't even know if these accounts are accurate, but yet you still took it upon yourself to report this inaccurate information.
Also, you reported that I owe a 'debt ', but nowhere on my credit report do I see a Negative balance, ( I don't see a negative sign in front of any numbers, only positive ). By you telling me I owe a " debt '', but reporting positive balances to my credit report is very deceptive.
15 U.S. Code 1692f. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
There is no law that says I have to pay a bill.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by XXXX, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
This company sent letters to me with a LOGO on it instead of their address. That is a SYMBOL that they are a debt Collection business.
15 U.S. Code 1602 - Definitions and rules of construction ( e ) The term " person '' means a natural person or an organization.
( f ) The term " credit '' means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment.
Under 15 USC 1681s-2 this agency is in violation because they furnished information relating to me to the consumer that was inaccurate. I told them that this was inaccurate and they still reported it to my credit report.
I AM THE ORIGINAL CREDITOR AND I DO NOT GRANT YOU THE RIGHT TO DEFER ANY PAYMENTS TO ME. 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy You are reporting very private matters on my credit report. The FCRA says that the consumer has sole say so over matters I deem to be private to me. I happen to find matters about where I APPLIED TO, AND WHO I " OWE '' MONEY TO, to be very private. By you sharing this information, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You are liable for all damages that I suffered because of your illegal activities.
FDCPA 806 harassment in abuse I feel very harassed and abused by your actions. I already contacted the creditors and told them that these accounts were inaccurate, but they still reported negatively to my credit report without my consent. Every time I log in and check my credit report and see these inaccurate items on my credit report, I feel much abused. Creditors keep calling and sending letters to me about these mysterious " debts ' that are not validated by the original creditor, which makes me feel very harassed.
Section 1581a ( 3 ) defines Identity Theft as fraud committed using identifying information of another person.
These creditors illegally obtained my information without my true consent and they obtained credit from other financial institutions using my information. This is identity theft.
15 U.S. Code 1692b ( 2 ). Acquisition of location information Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall- ( 2 ) Not state that such a consumer owes any debt ; but yet these debt collectors contacted these third-party credit reporting agencies with my information including my address ( location ) and they told them I owed a " debt '' that they reported to my credit report illegally.
15 U.S. Code 1666b. Timing of payments Nowhere in the TILA, FCRA, FDCPA does it define a Late Payment, but yet you are reporting " late payments '' to my credit report. that is very inaccurate and deceptive. Let 's not forget, it is your job to only report accurate Information. You are breaking FCRA LAWS.
15 U.S. Code 1605 - Determination of finance charge 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction.
15 USC 1692d ( 1 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of violence or other criminal means to harm the physical person, reputation, or property of any person.
This bad debt that is furnished to my credit report is ruining my reputation, and it is defamation of character. attached my consumer report as an exhibit.
15 U.S. Code 1692j -Furnishing Certain Deceptive Forms I am the original creditor. I am not participating in this collection of debt, so any contract that I signed is a violation of 15 USC 1692j.
15 USC 1692h- Multiple Debts If payments were made on an alleged debt that was not valid. I request the return of those payments to be mailed to me by check.
15 U.S. Code 1692g - Validation of debts 1 am the original creditor, ONLY I CAN VALIDATE ANY DEBTS. I do not validate these debts or accounts. You tried to trick me into thinking you are the original creditor when in reality, ONLY I CAN EXTEND CREDIT so therefore I am the original creditor. These debts don't exist, they must be removed.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S Code 1681b permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft.
I, XXXX XXXX, the natural person did not consent to, authorize nor benefit from any of the following inquiries OR accounts.
They are inaccurate, please block and remove them. I already filled out FTC reports # XXXX, which is attached. My identity was stolen and fraudulent inaccurate accounts were applied for in my name without my consent. Also, these credit reporting agencies reported this false misleading information on my credit, which goes against the FRA laws., I understand that under 15 U.S. Code 1681c-2 you must complete this reinvestigation AND BLOCK OR UPDATE ALL information.
RESULTING FROM identity theft within 4 days of receipt of this letter. If you leave these items on my credit report, then THAT IS AGAINST THE LAW. You will be criminally and civilly liable for all the fees listed in my invoice attached. Please remove all fraudulent accounts as I have no knowledge of any of these accounts due to the XXXX XXXX XXXX data breach/ identity theft. All are being investigated by the FTC and CFPB.
According to FCRA 605B this information must be blocked immediately until the investigation is over.
Also 15 USC 1681n defines Civil liability for willful noncompliance in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I will accept payment in the form of a check. Please compensate me within 24 hours of receiving this dispute letter.
Under 15 U.S.C. 1681g I have the right to demand that you disclose to me all the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting on my credit report.
Under 15 USC 1681b - permissible purpose of consumer reports THE LAW CLEARLY STATES ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
****IMPORTANT **** PLEASE DON'T RESPOND TO MY REQUEST BY SAYING THAT THESE ACCOUNTS HAVE BEEN VERIFIED BY THE INFORMATION PROVIDER. SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED ACCOUNTS.
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| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Someone within said agency are blocking my attempts to report this identity theft to the CFPB, and this is fraudulent activities within said bank/agency. I XXXX XXXX XXXX have notified you and your agency that i XXXX XXXX XXXX are a victim of identity theft due ongoing creations of newly added or updated false information concerning my name address and private information not limited to social security numbers drivers license information and other personal information. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless 606 - 15 U.S.C. 1681d ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). ( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. No such data was received by the consumer. In fact the Bank has failed to provided this information being reported to me as of the last date they have reached out to XXXX XXXX XXXX as of XX/XX/XXXX. On XX/XX/XXXX approximately XXXX i was awaiting a phone call returned and scheduled for this am. No one form TransUnion called. In this matter TransUnion Failed to protect me XXXX XXXX XXXX the consumer in this matter. There are multiple issues with this matter. In their response they TransUnion stated that the XXXX XXXX account was opened XX/XX/XXXX and closed XX/XX/XXXX, within 30 days of the alleged account being opened. I have spoken with said bank and asked them to verify this information, they said they could not. They XXXX XXXX stated that both accounts had no data for application opening date. So if this is the case how is it appearing on my credit report and not deleted. I have asked repeatedly that this fraudulent information be deleted. On XX/XX/XXXX i spoke with TransUnion employees one by the name of XXXX located in XXXX. She said that the internal reasons of identity theft based upon TransUnion practices and not the FDCPA or the FCRA that they could not and would not delete the identity theft information from my record. Making it appear to be late by 30 days on one card ending in XXXX and the other card ending in XXXX. I also spoke with a XXXX same state of XXXX, whom said that there where several addresses listed for me in the State Of California, she would not or could not share this information with me. I stated to her after identifying myself in full that my correct address was XXXX ... XXXXX XXXX CA XXXX. She noted that there where multiple addresses from XXXX XXXX XXXX to XXXX XXXX that would need to be deleted. So i asked her to do so. The issue here is that TransUnion is ignoring the FDCPA and the FCRA for their own reasons. As internal practices, as this information has been deleted and updated with the other credit reporting agencies but not with said reporting agency herein and others possibly. This is identity theft and when i asked TransUnion about their process i was told over the phone today XX/XX/XXXX, that they have internal process which couldn't be shared rather XXXX said that something was wrong with the addresses listed and name was incorrect. my name is spelled XXXX XXXX XXXX not XXXX XXXX nor like XXXX XXXX XXXX i do not live or have a mailing address at XXXX XXXX nor in XXXX XXXX. The bank listed these addresses but they are false. If the dates are wrong and the responses from the banks are inaccurate how is there a report and why is it not being deleted? This account and all accounts by XXXX XXXX should be deleted they have not provided accurate or belongs to me. According to the 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt col- lector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt col- lector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and i XXXX XXXX XXXX notified XXXX XXXX over two years ago of fraudulent charges up to {$1200.00} being reported in my name and the validate the debt as of XX/XX/XXXX. They failed to respond in a timely manner. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 39 605B - 15 U.S.C. 1681c-2 605B - 15 U.S.C. 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, which i XXXX XXXX XXXX due to the amount of fraud and identity theft and misspelling of my name and incorrect addresses listed by credit reporting company XXXX XXXX have asked repeatedly that TransUnion and other reporting agencies block this from my report. ( A ) is a reseller ; 40 ( B ) is not, at the time of the request of the consumer under sub- section ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. Today it was shared with me that the banks reporting seemed odd at first glance, well if this is the case this seems to be reseller attempts to recreate a debt that has been a. paid in full, b. not that of XXXX XXXX XXXX or c. made up by way of identity theft. I XXXX XXXX XXXX have repeatedly requested the information being reported under my likeness or identity falsely and no one would disclose this information not even the bank itself. 606. Whereas there were only letters threatening to collect a debt that i do not owe from the following personnel of said bank ; they are ; 1.XXXX XXXX, 2.XXXX XXXX XXXX 3.XXXX XXXX 4 . XXXX XXXX whom all work in various departments and this accounts for no point of contact. TransUnion nor any other credit reporting agency or named bureau can make up their own internal laws as to identity theft and disclosure policies or laws, they must abide by the FDCPA and the FCRA. Basically the person [ s ] at TransUnion stated that they have their own laws and rules internally that make up or take over the laws of the FCRA and the FDRPA.
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| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I decided to contact each creditor to get debts verified and to ensure everyone is reporting accurate. Here are my findings. You have incorrectly reported account information on my credit report, and I demand they be deleted after being reported incorrectly for XXXX years and being told they were veried and reporting accurately by date furnish. There is no way all three credit reports are right and are using the same date furnisher.
Remove XXXX from XXXX report for inaccuracy. XXXX account was sent to a third- party debt collection law firm in XX/XX/XXXX. This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. XXXX is still trying to collect debt through original creditor ( proof attached ) and unknown third-party collection agency. I was never notified that the original debt was sold to another debt collection agency or has the unknown debt collector notified me. XXXX is showing XXXX late payments. In XXXX responds they disclosed how many days the account was past due. ( attached ) PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
Remove XXXX from Transunion report for inaccuracy. Discharged in Bankruptcy XXXX XXXX balance should be XXXX. In XXXX responds they say that I owe XXXX. Transunion reports {$1800.00}. XXXX reports {$1800.00}. Per XXXX reports ( attached below ) say an agreement was reached was XXXX bi -weekly payments of {$110.00} which equals up to {$4600.00}. They also stated that I have paid {$2800.00} towards this balance. This will make my balance be XXXX. They also stated that no late fees were assessed for this account. Balance incorrect. XXXX LATE PAYMENTS. Also, XXXX sent this debt to a third- party debt collection law firm in XX/XX/XXXX. This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. XXXX is still trying to collect debt through original creditor ( proof attached ) and unknown third-party collection agency. I was never notified that the original debt was sold to another debt collection agency or has the unknown debt collector notified me. Transunion is showing XXXX late payments. This is incorrect. In XXXX responds they disclosed how many days the account was past due. ( attached ) PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
Remove XXXX from XXXX report for inaccuracy. Discharged in Bankruptcy XXXX XXXX balance should be XXXX. In XXXX responds they say that I owe XXXX. Transunion reports {$1800.00}. XXXX reports {$1800.00}. Per XXXX reports ( attached below ) say an agreement was reached was XXXX bi -weekly payments of {$110.00} which equals up to {$4600.00}. They also stated that I have paid {$2800.00} towards this balance. This will make my balance be XXXX. They also stated that no late fees were assessed for this account. Balance Incorrect. XXXX LATE PAYMENTS. Also, XXXX sent this debt to a third- party debt collection law firm in XX/XX/XXXX. This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. XXXX is still trying to collect debt through original creditor ( proof attached ) and unknown third-party collection agency. I was never notified that the original debt was sold to another debt collection agency or has the unknown debt collector has notified me. XXXX is showing XXXX late payments. In XXXX responds they disclosed how many days the account was past due. ( attached ) PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX XXXX XXXX Per responds from XXXX ( attached ) they were not able to locate or verify an account in my name from XXXX XXXX PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX XXXX Transunion Per responds from XXXX ( attached ) they were not able to locate or verify an account in my name from XXXX XXXX PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
SELF LENDER- ( Transunion ) Per responds from XXXX XXXX ( respondent attached ) they stated the last payment was made XX/XX/XXXX but my Transunion XXXX that my last payment was made XX/XX/XXXX. XXXX responds XXXX XXXX stated that they applied {$400.00} to my {$450.00} outstanding balance. Which should leave me with a balance of {$58.00}. XXXX has also sent a balance statement ( attached ) that shows that there were not any late fees added to this account and the balance they are reporting is incorrect. Also, XXXX has stated in their response that I have a remaining balance of {$120.00}. My Transunion shows I have a balance of {$120.00}. Transunion shows XXXX late payments. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
SELF LENDER- ( XXXX ) Per responds from XXXX XXXX ( respondent attached ) they stated the last payment was made XX/XX/XXXX but my XXXX states that my last payment was made XX/XX/XXXX. XXXX responds XXXX XXXX stated that they applied {$400.00} to my {$450.00} outstanding balance. Which should leave me with a balance of {$58.00}. XXXX has also sent a balance statement ( attached ) that shows that there were not any late fees added to this account and the balance they are reporting is incorrect. Also, XXXX has stated in their response that I have a remaining balance of {$120.00}. My Experian shows I have a balance of $ XXXX is showing XXXX late payments. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
SELF LENDER- ( XXXX XXXX Per responds from XXXX XXXX ( respondent attached ) they stated the last payment was made XX/XX/XXXX but my XXXX states that my last payment was made XX/XX/XXXX. Per responds XXXX XXXX stated that they applied {$400.00} to my {$450.00} outstanding balance. Which should leave me with a balance of {$58.00}. XXXX has also sent a balance statement ( attached ) that shows that there were not any late fees added to this account and the balance they are reporting is incorrect. Also, XXXX has stated in their response that I have a remaining balance of {$120.00}. My XXXX shows I have a balance of {$120.00}. Transunion is showing XXXX late payments. The first late payment showing is XX/XX/XXXX but under my delinquency history it shows that my first delinquent date was XX/XX/XXXX. How could this be? PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX- ( Transunion ) XXXX XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My Transunion shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my Transunion it states that the last payment was made on XX/XX/XXXX. This is inccorect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. Transunion is reporting XXXX late payments. According to the Principal & Interest statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and Transunion is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting XXXX late payments. According to the Principal & Interest statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting XXXX late payments. This account was charged off XX/XX/XXXX, which is stated in letter attached. XXXX is still reporting late payments after XX/XX/XXXX. According to the Principal & Interest statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX XXXX Transunion ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My Transunion shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my Transunion it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. Transunion is reporting XXXX late payments. According to the Principal & Interest statement only XXXX payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment History Statement Account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX ( Transunion ) Transunion is reporting XXXX late payments. XXXX is reporting XXXX late payments. Transunion shows this debt as a charge off which means the balance is incorrect. There no way you both can be right when you are getting your information from the same place. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
XXXX XXXX ( XXXX ) XXXX is reporting XXXX late payments. Transunion is reporting XXXX late payments. XXXX shows this account charged off. {$1600.00} written off. This means the balance is incorrect. There no way you both can be right when you are getting your information from the same place. PLEASE REMOVE THE ACCOUNT IMMEDIATELY!
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| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( DISPUTE CODE - 103 ) ( DISPUTE CODE - 104 ) My personal information was stolen and used for fraudulent activities in XXXX, since that day Ive been seeing a lot of unauthorized inquiries and accounts reporting on my consumer credit profile. Ive attached a police report pertaining to the incident for reference. In accordance with the Fair Credit Reporting Act multiple unauthorized inquiries and accounts have been found on my credit report. Please immediately delete and remove all inaccurate or fraudulent accounts or inquiries I have listed.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting fraudulent information across all 3 of my consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across all 3 of my consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across all 3 of my consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau XXXX I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX and XXXX consumer credit bureaus. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX D.O.B XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page. And remove unverified Bankruptcy attached is a correspondence from the orginal court stating it is unverified.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX D.O.B XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page..
. And remove unverified Bankruptcy attached is a correspondence from the orginal court stating it is unverified.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX D.O.B XX/XX/XXXX SSN : XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
. And remove unverified Bankruptcy attached is a correspondence from the orginal court stating it is unverified.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_____XXXX______________________________ Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account Amount___________________________________ Account Name__XXXX XXXX___________________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name____XXXX XXXX___________________ Date open_______________________________________ Account Number___ XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name____XXXX XXXX__________________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name____XXXX_________________________________ Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name___XXXX XXXX_________________________________ Date XXXX Account Number_ XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account Name__XXXX XXXX___________________________________ Date XXXX Account XXXX Reason for dispute__XXXX XXXX________________ Account Amount_____________________________________
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| 09/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern ( CEO/Person of highest authoritiesXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, The XXXX and obligor has noticed a billing error. The creditor has failed to give me proper notice of this billing error several times. I have noticed every account statement is in invoice of indebtedness, also having a coupon/check attached to it. On this invoice the creditor is attempting to collect a debt that has already been paid. They claim that this is a debt that I owe. How is that possible if the amount that theyre asking for isnt a negative balance? And how is it possible that this debt is still owed when my signature on my application is payment of the debt? I, XXXX XXXX ( the obligor and consumer ) I am giving proper notice of this billing error. This is my final attempt to clear and dismiss of any debt that the creditor claims that I owe.
According to 15 USC 1666b timing of payments states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
The creditor has failed several times to provide me ( the consumer/obligor ) with each periodic statement and information required by section 1637 ( b ) of title 15 USC 1666b . The creditor has not gave me proper notice within 21 days of the payment due date as required by 15 USC 1666b. What is a late payment? And how can that payment be late or past due if it is not a negative balance? How can a due payment, late, missed, or past due balance exist if my signature on my application for credit is payment of the debt?
According to 15 USC 1666d Treatment of credit balances States Whenever a credit balance in excess of {$1.00} is created in connection with a consumer credit transaction through ( 1 ) transmittal of funds to a creditorin excess of the total balance due on an account, ( 2 ) rebates of unearned finance charges or insurance premiums, or ( 3 ) amounts otherwise owed to or held for the benefit of an obligor, the creditor shall ( A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
Every account statement has failed to demonstrate indebtedness. For example if I borrow {$20000.00} shouldnt my account statement show a negative $ XXXX? And every time I make a payment it would reduce that amount bringing the negative balance closer to {$0.00}? None of the account statements show a negative balance, only a positive balance. According to the law a positive balance means that there is a surplus. This debt that the creditor claims I owe does not belong to me. And Though they say this debt isnt yet due, they are expecting me to pay this debt AGAIN in the near future. I can assure this debt WILL NOT BE PAID AGAIN. I DO NOT CHOOSE TO PAY THIS DEBT TWICE!! This debt has already been paid for with my signature and no longer belongs to me!
According to 18 USC section 8 Obligation or other security of the United States defined States The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency XXXX Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceledUnited States stamps. All debts public and private are the obligation of the United States. The creditor claims that I owe/owed this debt but what exactly am I paying for if the debt has already been paid for with my signature? The obligation has already been paid for. So why are they claiming that I owe/owed this debt? This billing error notice is also a notice of request for refund by I, XXXX XXXX ( the consumer/obligor ).
According to 15 USC 1666d section A, section B, section C, States A ) credit the amount of the credit balance to the consumers account ; ( B ) refund any part of the amount of the remaining credit balance, upon request of the consumer ; and ( C ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone number.
I am now requesting a refund of ALL payment AND dismissal and discharge of this debt. I XXXX XXXX ( the consumer/obligor ) I am also requesting that the accounts be ceased and desist IMMEDIATELY. The creditor is trying to fraudulently and illegally double dip on payment of this debt. I will NOT pay this debt twice!! The creditor has furnished I, XXXX XXXX ( the consumer/obligor ) with deceptive forms several times ( See attachment A ) creating a false belief that I owe this debt.
According to 15 USC 1692J Furnishing certain deceptive forms States It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. The creditor has been racketeering and extorting money out of XXXX, XXXX XXXX ( the consumer/obligor ) several times. This is totally illegal and they could go to jail for this.
According to 18 USC 1961 Definitions States 1 ) racketeering activity means ( A ) any act or threat involving murder, kidnapping, gambling, arson, robbery, bribery, extortion, dealing in obscene matter, or dealing in a controlled substance or listed chemical ( as defined in section 102 of the Controlled Substances Act ), which is chargeable under State law and punishable by imprisonment for more than one year ; ( B ) any act which is indictable under any of the following provisions of title 18, United States Code : Section 201 ( relating to bribery ), section 224 ( relating to sports bribery ), sections 471, 472, and 473 ( relating to counterfeiting ), section 659 ( relating to theft from interstate shipment ) if the act indictable under section 659 is felonious, section 664 ( relating to embezzlement from pension and welfare funds ), sections 891894 ( relating to extortionate credit transactions ), section 932 ( relating to straw purchasing ), section 933 ( relating to trafficking in firearms ), section 1028 ( relating to fraud and related activity in connection with identification documents ), section 1029 ( relating to fraud and related activity in connection with access devices ), section 1084 ( relating to the transmission of gambling information ), section 1341 ( relating to mail fraud ), section 1343 ( relating to wire fraud ), section 1344 ( relating to financial institution fraud ), section 1351 ( relating to fraud in foreign labor contracting ) However, I am willing to overlook this matter AS LONG AS ALL of my request are resolved AND completed within 5 days of receiving this notice.
According to 15 USC 1666a regulations of credit reports States, ( a ) Reports by creditor on obligors failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligors credit rating or credit standing because of the obligors failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency. If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title. If my request is not resolved AND completed within the given time frame above, I will take this to higher authorities. The creditor now has 5 days within receiving this notice to refund me, clear/dismiss the debt, and cease and desist of the account. The creditor ( XXXX ) has furnished this debt on my credit report WITHOUT MY CONSENT. I, XXXX XXXX, consumer and natural person, am aware of all rights that I have, and which are protected by The Congres under the Fair Credit Reporting Act ( FCRA ).
Ignoring this Cease and Desist will be evidence that the infringements were wiling, deceptive, and in violation of the FCRA.
I have been more than kind & patient. Now is not the time to investigate!
Kind Regards, XXXX XXXX XXXX XXXX XXXX [ XXXX ] UCC XXXX XXXX prejudice/recourse
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| 08/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Received unwanted marketing or advertising
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Web |
Servicemember |
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On Saturday, XX/XX/XXXX my daughter, husband and I visited the XXXX XXXX of XXXX, XXXX XXXX XXXX. My daughter had visited XXXX XXXX of XXXX, XXXX XXXX XXXX on Friday, XX/XX/XXXX she worked with salesperson name " XXXX ''. When I met salesperson " XXXX '' Saturday, XX/XX/XXXX I was very clear with what I wanted ( a used American vehicle ; nothing but American made ) ; how much I planed to spend ( no more than {$14.00}, XXXX {$17000.00} the max ) ; how much I wanted the monthly note ( $ XXXX {$350.00} ) the max. When my daughter called me on Friday, XX/XX/XXXX for a loan down payment of {$3000.00} I was very clear than on the phone and my position did not change by Saturday, XX/XX/XXXX in person. I told XXXX I was putting {$3000.00} down nothing more. We went on the lot where the used cars where kept, we walked around and found XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX miles VIN # : XXXX ; Stock # : XXXX ; Price {$17000.00} I tested drove the vehicle. When my daughter, husband and I returned to the lot we sat down with XXXX answer the questions and gave him information that was required for purchasing a vehicle. XXXX kept going in a office and returning to us with an increase of monthly payment ( before we went outside on the lot he said my daughter could get any car on the lot with {$3000.00} down ). I had told XXXX when I enter that I did not have a whole lot of time to spend in the office and don't play games trying to get the car note above the amount I said I was spending. We spent four ( 4 ) hours in that dealership waiting on the bank to approve the loan. I had a XXXX meeting which I told XXXX earlier in my visit I became irritated because XXXX leave for 45 minutes or more and returned with some ridiculous price and go back in the office, I could see him enter and exiting this office. What caused me to cancel the whole deal is when XXXX sent the used cars manager tall dark skin man who sat down in front of us and asked if my daughter could pay {$490.00} dollars a month. I yelled, " NO ''! Didn't I tell you no more than {$350.00}? I told XXXX I wanted the payment at least $ 290 monthly. I was so frustrated and angry because XXXX wasted my time when I told him not to waste my time, I had to make calls for someone else to chair my meeting. I failed to get the used car manager name because of my anger and I told him ( used car manager ) CANCEL THE WHOLE DEAL! I DO NOT WANT ANY VEHICLE FROM HERE. CANCEL THE WHOLE DEAL! I told my husband to give me the keys I was not sitting in there looking at him ( meaning the used car manager ) if they want to look at him they could continue to sit!!! My husband and daughter slowing peeled their behinds from the chairs I guess from the embarrassment from all the yelling I was doing, we left the property. I received a phone called from XXXX on Wednesday, XX/XX/XXXX we did our salutations XXXX said he was checking if we had found anything? I replied, " Yes, I'm riding in it right now. '' XXXX asked what did she ( my daughter ) find I told him other small talked was said and we disconnect. My daughter and I went to my credit union with the paperwork from another dealership we went to on Sunday, XX/XX/XXXX in Virginia and the vehicle we actually purchased was less miles and cheaper we was in the office for two and a half ( 2.5 ) hours, my credit union sent a check to the Virginia car dealership and now we make payment thru my credit union. Allowed me to add that XXXX XXXX of XXXX, XXXX XXXXXXXX XXXX cars are over priced and the saleperson 's XXXX and the used car manager are crooks, liars and theives. Since my visit with XXXX XXXX of XXXX, XXXX XXXX XXXX my daughter and I has been receiving denial letters from different banks. This one letter is nothing but FRUAD! I NEVER SHOP FOR ANY VEHICLE ON XXXX XXXX of XXXXXXXX XXXX XXXX XXXX LOT FOR {$26000.00}. We never looked at any vehicle at that price range. Plus I TOLD XXXX XXXX of XXXX, XXXX XXXX XXXX to CANCEL ALL DEALS! I said, " CANCEL ALL DEALS! '' more than three ( 3 ) or four ( 4 ) times on Saturday, XX/XX/XXXX. When I spoke with XXXX on Wednesday, XX/XX/XXXX I told him why I CANCEL ALL DEALS. Even when we disconnect on the phone on Wednesday, XX/XX/XXXX XXXX was very aware that I CANCEL ALL DEALS! He was not happy because I told him that he wasted my time and his, I also said, to XXXX he could have heard cow bells if he wasn't trying to be greedy. Cow bells is what they shack when a vehicle get sold. I heard cow bells maybe twice while wasting my time. Once I began receiving the denial letters I called the bank on one of the letters and I was told to called the dealership and explained what I just said on this compliant and the dealership can contact the bank that's the only way to correct my credit score. I have worked really hard trying to clean my credit and I am not going to allowed XXXX XXXX of XXXXXXXX XXXX XXXX XXXX to purposely with intent damage my credit because I did not purchase a vehicle with XXXX the salesperson. I spoke with On Saturday, XX/XX/XXXX my daughter, husband and I visited the XXXX XXXX of XXXX, XXXX XXXX XXXX. My daughter had visited XXXX XXXX of XXXX, XXXX XXXX XXXX on Friday, XX/XX/XXXX she worked with salesperson name " XXXX ''. When I met salesperson " XXXX '' Saturday, XX/XX/XXXX I was very clear with what I wanted ( a used American vehicle ; nothing but American made ) ; how much I planed to spend ( no more than {$14.00}, XXXX {$17000.00} the max ) ; how much I wanted the monthly note ( $ XXXX {$350.00} ) the max. When my daughter called me on Friday, XX/XX/XXXX for a loan down payment of {$3000.00} I was very clear than on the phone and my position did not change by Saturday, XX/XX/XXXX in person. I told XXXX I was putting {$3000.00} down nothing more. We went on the lot where the used cars where kept, we walked around and found XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX miles VIN # : XXXX ; Stock # : XXXX ; Price {$17000.00} I tested drove the vehicle. When my daughter, husband and I returned to the lot we sat down with XXXX answer the questions and gave him information that was required for purchasing a vehicle. XXXX kept going in a office and returning to us with an increase of monthly payment ( before we went outside on the lot he said my daughter could get any car on the lot with {$3000.00} down ). I had told XXXX when I enter that I did not have a whole lot of time to spend in the office and don't play games trying to get the car note above the amount I said I was spending. We spent four ( 4 ) hours in that dealership waiting on the bank to approve the loan. I had a XXXX meeting which I told XXXX earlier in my visit I became irritated because XXXX leave for XXXX minutes or more and returned with some ridiculous price and go back in the office, I could see him enter and exiting this office. What caused me to cancel the whole deal is when XXXX sent the used cars manager tall dark skin man who sat down in front of us and asked if my daughter could pay {$490.00} dollars a month. I yelled, " NO ''! Didn't I tell you no more than {$350.00}? I told XXXX I wanted the payment at least $ 290 monthly. I was so frustrated and angry because XXXX wasted my time when I told him not to waste my time, I had to make calls for someone else to chair my meeting. I failed to get the used car manager name because of my anger and I told him ( used car manager ) CANCEL THE WHOLE DEAL! I DO NOT WANT ANY VEHICLE FROM HERE. CANCEL THE WHOLE DEAL! I told my husband to give me the keys I was not sitting in there looking at him ( meaning the used car manager ) if they want to look at him they could continue to sit!!! My husband and daughter slowing peeled their behinds from the chairs I guess from the embarrassment from all the yelling I was doing, we left the property. I received a phone called from XXXX on Wednesday, XX/XX/XXXX we did our salutations XXXX said he was checking if we had found anything? I replied, " Yes, I'm riding in it right now. '' XXXX asked what did she ( my daughter ) find I told him other small talked was said and we disconnect. My daughter and I went to my credit union with the paperwork from another dealership we went to on Sunday, XX/XX/XXXX in Virginia and the vehicle we actually purchased was less miles and cheaper we was in the office for two and a half ( 2.5 ) hours, my credit union sent a check to the Virginia car dealership and now we make payment thru my credit union. Allowed me to add that XXXX XXXX of XXXX, XXXX XXXXXXXX XXXX cars are over priced and the saleperson 's XXXX and the used car manager are crooks, liars and theives. Since my visit with XXXX XXXX of XXXXXXXX XXXX XXXX XXXX my daughter and I has been receiving denial letters from different banks. This one letter is nothing but FRUAD! I NEVER SHOP FOR ANY VEHICLE ON XXXX XXXX of XXXX, XXXX XXXX XXXX LOT FOR {$26000.00}. We never looked at any vehicle at that price range. Plus I TOLD XXXX XXXX of XXXX, XXXX XXXX XXXX to CANCEL ALL DEALS! I said, " CANCEL ALL DEALS! '' more than three ( 3 ) or four ( 4 ) times on Saturday, XX/XX/XXXX. When I spoke with XXXX on Wednesday, XX/XX/XXXX I told him why I CANCEL ALL DEALS. Even when we disconnect on the phone on Wednesday, XX/XX/XXXX XXXX was very aware that I CANCEL ALL DEALS! He was not happy because I told him that he wasted my time and his, I also said, to XXXX he could have heard cow bells if he wasn't trying to be greedy. Cow bells is what they shack when a vehicle get sold. I heard cow bells maybe twice while wasting my time. Once I began receiving the denial letters I called the bank on one of the letters and I was told to called the dealership and explained what I just said on this compliant and the dealership can contact the bank that's the only way to correct my credit score. I have worked really hard trying to clean my credit and I am not going to allowed XXXX XXXX of XXXX, XXXX XXXX XXXX to purposely with intent damage my credit because I did not purchase a vehicle with XXXX the salesperson. I spoke with XXXX XXXX, XXXX Title Clerk with XXXX XXXX of XXXXXXXX XXXX XXXX XXXX she take my compliant. I haven't heard from anyone that represent XXXX XXXX of XXXX, XXXX XXXX XXXX in writing or by phone. Who at XXXX XXXX XXXX XXXXXXXX XXXX committed fraud? Lied about the loan request after I CANCEL?
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| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the XXXX, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
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| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in full-ness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNER-SHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infractionious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now. Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # 1 you are alleging the negative claims still yet deficit of proof of truth, correct-ness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX XXXX XXXX Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( XXXX ) in the metro 2 da-ta field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This is regarding my account ( XXXX ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least. I am requesting validation, made pursuant to the Fair Debt Col-lection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit re-porting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports. Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ 1,000+ per infraction per reporting cycle in a suitable rectifying and remedial set-ting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA, my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects. It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SE-VERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
In genuine sincerity, XXXX XXXX XXXX
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| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Servicemember |
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ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a XXXX FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in Lending
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| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and XXXXreditor continue to report inaccurate information on my credit report. CRAs and Creditors are using my nonpublic information without my consent. I have not given you permission to access my Consumer Report and nobody have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment.
According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my Consumer Report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
These are ALL Violations of Truth in
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| 04/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX : I want to express my gratitude for everything that youve helped me achieve on my credit. I have been working on it for months now, doing everything on my end to rebuild my score and I can say that the update that I received this month made me happy somehow. I know I still got a lot of work to do to be able to say that I made it, so I am really hoping you won't get tired of helping me. Could you please review these remaining activities on my credit that are either fraudulent, not mine, unauthorized or inaccurate? I would very much appreciate any help you can give. Under 15 U.S.C. Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of this letter.
1. XXXX XXXX Bankruptcy -- XXXX XXXX : XXXX XXXX Account. Please remove this inaccurate information from my credit report.
2. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
3. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
4. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
5. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
6. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
7. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit 8. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
9. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
10. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
11. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
12. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
13. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
14. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
15. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
16. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
17. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
18. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
19. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
20. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
21. XXXX -- XXXX of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit 22. XXXX XXXX -- Account XXXX : XXXX Validate Account. Please remove this inaccurate information from my credit report.
Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX : I want to express my gratitude for everything that youve helped me achieve on my credit. I have been working on it for months now, doing everything on my end to rebuild my score and I can say that the update that I received this month made me happy somehow. I know I still got a lot of work to do to be able to say that I made it, so I am really hoping you won't get tired of helping me. Could you please review these remaining activities on my credit that are either fraudulent, not mine, unauthorized or inaccurate? I would very much appreciate any help you can give.
Under 15 U.S.C. Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of this letter.
1. XXXX XXXX Bankruptcy -- XXXX XXXX : XXXX Validate Account. Please remove this inaccurate information from my credit report.
2. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
3. XXXX XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
4. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
5. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
6. XXXX XXXX NA -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
7. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit.
report.
8. XXXX XXXX AUTO FIN -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
9. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
10. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
11. XXXX XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
12. XXXX XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
13. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
14. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
15. XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
16. XXXX XXXXXXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
17. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
18. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
19. XXXX XXXX -- Account XXXX : XXXX XXXX Account. Please remove this inaccurate information from my credit report.
20. XXXXXXXX XXXX -- Account Number : XXXX Validate Account. Please remove this inaccurate information from my credit report.
21. XXXX XXXX -- Account XXXX : XXXX Validate Account. Please remove this inaccurate information from my credit report.
TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX Transunion : I want to express my gratitude for everything that youve helped me achieve on my credit. I have been working on it for months now, doing everything on my end to rebuild my score and I can say that the update that I received this month made me happy somehow. I know I still got a lot of work to do to be able to say that I made it, so I am really hoping you won't get tired of helping me. Could you please review these remaining activities on my credit that are either fraudulent, not mine, unauthorized or inaccurate? I would very much appreciate any help you can give.
Under 15 U.S.C. Sec. 1681i ( a ), the investigation must be complete within 30 days of receipt of this letter.
1. XXXXXXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
2. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
3. XXXX XXXX XXXXXXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
4. XXXX XXXXXXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
5. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
6. XXXXXXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
7. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
8. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
9. XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
10. XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
11. XXXX XXXX XXXX -- Date of inquiry : XX/XX/XXXX The inquiry was not authorized. Please remove this inaccurate information from my credit report.
12. XXXX XXXX -- Account Number : XXXX XXXX Account. Please remove this inaccurate information from my credit report.
13. XXXX XXXX -- Account Number : XXXX XXXX Account. Please remove this inaccurate information from my credit report.
14. XXXX XXXX Bankruptcy -- XXXX XXXX : XXXX XXXX Account. Please remove this inaccurate information from my credit report.
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount Owed {$440.00} Past Due Amount {$0.00} Last Payment {$0.00} Last Payment Date N/A Original Balance {$0.00} Placed in Collections XX/XX/XXXX Last Verified Date XX/XX/XXXX Paid off Date N/A Closed Date N/A Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureau 's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.
This negative mark is damaging my credit. Please promptly contact XXXX, TransUnion, and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.
Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the reporting of my account with XXXXl XXXXXXXX XXXX XXXX ( Account number : XXXX ) on my credit report. I believe that XXXX XXXX XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).
According to my credit reports from XXXX and XXXX, XXXX XXXX XXXX XXXX reported that I was 30 days late on my payments in XX/XX/XXXX, even though I did not miss any payments on this account. Additionally, XXXX and XXXX are showing different balances for the same account, which is inconsistent and could lead to inaccurate credit scores. Moreover, the last reported date and the date last active are also inconsistent between the two credit reporting agencies.
Based on the above details, I believe that XXXX XXXX XXXX XXXX has violated the following provisions of the FCRA : Section 623 ( a ) ( 2 ) - Incorrect information reported to credit reporting agencies Section 623 ( b ) - Duty to correct and update information Section 623 ( a ) ( 5 ) - Inconsistent reporting to credit reporting agencies Section 607 ( b ) - Time period for reporting outdated information Section 611 ( a ) - Procedure in case of disputed accuracy Furthermore, I believe that XXXX XXXX XXXX XXXX has violated the following provisions of the TILA : Section 163 - Form of disclosure Section 166 - Administration of subchapter Section 167 - Civil liability The inaccurate reporting and inconsistencies have caused significant harm to my credit score and financial well-being. As a result, I have been denied credit opportunities and have had to pay higher interest rates and fees. This has caused me significant emotional and financial distress, making it difficult to obtain necessary loans and services.
XXXX XXXX regarding my account number XXXX. According to XXXX, XXXX XXXX reported that I was 30 days late on XX/XX/XXXX, when in fact I did not miss any payment on this account. This inaccurate reporting has had a significant impact on my life.
As a result of this inaccurate reporting, I have been denied credit and have been subject to higher interest rates and fees. This has caused me a great deal of stress and financial hardship. I have been struggling to make ends meet and provide for my family, and the inaccurate reporting by XXXXXXXX XXXX has only made things worse.
I believe that XXXXXXXX XXXX has violated Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to credit reporting agencies to provide accurate information. By reporting inaccurate information about my payment history, XXXXXXXX XXXX has not only caused me financial harm, but has also violated the law.
XXXX XXXX. According to XXXX and XXXX, I was reported as 30 days late on my account number XXXX on XX/XX/XXXX. However, I did not miss any payment on this account. Additionally, XXXX has reported that the payment status is past due 60 days, but I never received any notification from them regarding this past due 60 days account, and they never provided any paperwork with me. Furthermore, XXXX is showing the last active date as XX/XX/XXXX, but XXXX is showing it as XX/XX/XXXX.
I believe that XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, I believe that XXXX XXXX has violated : Section 623 ( a ) ( 2 ) of the FCRA, which requires furnishers of information to credit reporting agencies to provide accurate information. By reporting that I was 30 days late on XX/XX/XXXX, when I did not miss any payment on that account, XXXX XXXX may have violated this section of the law.
Section 623 ( b ) of the FCRA, which requires furnishers of information to credit reporting agencies to correct and update inaccurate or incomplete information. Since I did not miss any payment on my account, XXXX XXXX has provided inaccurate information that needs to be corrected.
Section 623 ( a ) ( 5 ) of the FCRA, which prohibits furnishers of information to credit reporting agencies from reporting information that is not complete or that does not reflect the current status of the account. By reporting that my payment status is past due 60 days, without providing any notification or paperwork, XXXX XXXX may have violated this section of the law.
Section 607 ( b ) of the FCRA, which requires credit reporting agencies to remove outdated information from credit reports. Since the last active date on my account is different between XXXX and XXXX, one of them may be reporting outdated information.
Section 611 ( a ) of the FCRA, which requires credit reporting agencies to investigate disputes and correct inaccurate or incomplete information. I have disputed the inaccurate information that XXXX XXXX has reported, and I request that this be investigated and corrected.
Section 163 of TILA, which requires lenders to provide consumers with accurate and meaningful disclosures. I believe that XXXX XXXX has failed to provide me with accurate information regarding my account.
Section 166 of TILA, which sets forth the administration of the subchapter of the law. I believe that XXXX XXXX has not complied with the requirements of this section.
Section 167 of TILA, which provides for civil liability for violations of the law. I believe that XXXX XXXX has violated several sections of TILA, and I may be entitled to civil remedies under this section.
The inaccurate information that XXXX XXXX has reported on my credit report has had a significant impact on my life. I have been denied credit, and my credit score has suffered as a result of these errors. As a result, I have been unable to purchase a home for my family and have had to pay higher interest rates on loans and credit cards.
XXXX XXXXXXXX on my credit report. Specifically, XXXX XXXX has reported that I was 120 days late on XX/XX/XXXX on my account number XXXX, when in fact I did not miss any payments on that account. Additionally, XXXX has reported that the payment status is past due 120 days, but I never received any notification from them regarding this past due account and they never provided any paperwork with me.
I believe that XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). The specific violations are as follows : Section 623 ( a ) ( 2 ) of the FCRA requires that furnishers of information to credit reporting agencies must provide accurate information. By reporting that I was 120 days late on XX/XX/XXXX, when in fact I did not miss any payments on that account, XXXX XXXX may have violated this section of the law.
Section 623 ( b ) of the FCRA requires that furnishers of information to credit reporting agencies must correct and update any inaccurate information. As the information reported by XXXX XXXX is inaccurate, they have violated this section of the law.
Section 623 ( a ) ( 5 ) of the FCRA requires that furnishers of information to credit reporting agencies must not report information that is inconsistent with the information they have provided to the consumer. As XXXX XXXX has reported information that is inconsistent with my payment history, they have violated this section of the law.
Section 607 ( b ) of the FCRA requires that negative information, such as late payments, can only be reported for a specific time period. As the information reported by XXXX XXXX is outdated, they have violated this section of the law.
Section 611 ( a ) of the FCRA requires that consumers have the right to dispute inaccurate information on their credit report. As I am disputing the accuracy of the information being reported by XXXX XXXX, they must investigate and correct any inaccurate information.
Section 163 of the TILA requires that creditors must provide a clear and conspicuous disclosure of the terms and conditions of a credit account. XXXX XXXX may have violated this section of the law by not providing me with clear and conspicuous disclosures.
Section XXXX of the XXXX requires that creditors must comply with the provisions of the subchapter, including providing accurate information to credit reporting agencies. As XXXX XXXX has reported inaccurate information to credit reporting agencies, they have violated this section of the law.
Section 167 of the TILA provides for civil liability for creditors who violate the provisions of the subchapter. As XXXX XXXX may have violated several provisions of the TILA, they may be liable for civil damages.
This inaccurate credit reporting has had a significant negative impact on my life. The false late payment and past due status has resulted in my credit score being lowered, which has made it difficult for me to obtain credit and loans at reasonable interest rates. This has prevented me from making important purchases and has caused me significant financial stress and hardship.
XXXX XXXX XXXX. According to XXXX, the payment status is listed as " charge off, '' but I have never received any notification regarding this charge off account. Additionally, XXXX reported a high credit of {$5000.00}, but XXXX did not report any such information. Other bureaus also did not report any negative information on my account.
I believe that XXXX XXXXXXXX XXXX has violated the following laws : Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ) - Time period for reporting outdated information Section 623 ( a ) ( 2 ) of the FCRA - Incorrect information reported to credit reporting agencies Section 623 ( b ) of the FCRA - Duty to correct and update information The inaccurate reporting by XXXX XXXX XXXX has greatly affected my life. I have been denied credit and loans, and my interest rates have been significantly higher due to the negative information on my credit report. This has made it difficult for me to obtain basic necessities, such as a car or a home.
I request that XXXX XXXX XXXX remove these unverified accounts from my credit report immediately. I urge you to enforce the legal violations committed by XXXX XXXX XXXX and take necessary action to prevent this from happening to other consumers.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom this may concern,
About XXXX days ago I asked Transunion to conduct an investigation regarding my credit report. Transunion responded by verifying accounts in which are still in error. I am not certain an actual investigation has taken place and thus they are violating my rights under the FCRA. The following accounts are still in error, and I demand for them to be removed off my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX raises concerns about its compliance with the required legal and ethical reporting standards, which could compromise the accuracy and integrity of the claim.
Please note that under 15 USC 1681, all claims must meet the minimum standard of maximum possible accuracy and completeness. The XXXXXXXX-influenced XXXXXXXX XXXX states in XXXX XXXX that "Any deviation from these standards jeopardizes the integrity of the data." If there are omissions or inconsistencies in reporting, it may indicate a divergence from the necessary requirements to establish mandatory compliance with Metro 2 formatted reporting standards. Therefore, please either remove the claim or provide proof of ethical reportability.
The Account Type XXXX Account Type Details, Bureau Code, Payment Status XXXX High Credit XXXX, Monthly Payment XXXX, No. of Months (terms) XXXX), Last Reported, Date Last Active (XXXX XXXX XXXX XXXX History suggest a deviation from required reporting standards and may not meet the necessary criteria for certifiable compliant reporting. As a consumer, I am rightfully contesting the data reporter's privilege to report this claim unless they can demonstrate the confirmed and demonstrated adequacy of their reporting practices and processes. This includes adhering to the Credit Reporting Industry's mandatory Metro 2 Format standards, ensuring perfection and completeness. The reported dates may indicate a deficiency in meeting the required reporting edicts and may not meet the necessary standard for
reporting appropriateness.
I deeply regret to express our disappointment and concern regarding the account associated with XXXX XXXX and identified by the displayed account number XXXX on my report, as it has not been sufficiently proven to be valid, accurate, and complete, let alone compliant with the necessary certifications for reporting. It is imperative to take into account the undeniable fact that the XXXX itself has insinuated or explicitly stated that any deviation from the law or established industry standards in credit reporting renders a claim deficient, thereby mandating the immediate removal of all such claims from reporting. 1 insist that these claims should not be returned unless and until they can be lawfully proven to be compliant with all the requisite conditions for legal reporting. This action must be undertaken without exception, even in light of your apparent misapplication, willful ignorance, or reckless negligence in relation to your reporting practices and claims. I kindly request that you meticulously note any deviations, including but not limited to the following concerns, as valid grounds for the necessary eradication of the claim's reportability.
The reported Account Type XXXX, Account Type Details, Bureau Code, Payment Status (XXXX, High Credit XXXX Monthly Payment XXXX), No. of Months (terms) XXXX, Last Reported, Date Last Active XXXXXXXX XXXX XXXX Year History appear to be inadequate in meeting the required standards of reporting. As such, I am submitting a written challenge to the reporting party and to all relevant credit reporting agencies to provide factual evidence that confirms the adequacy of their reporting. This is the minimum requirement forthe privilege of reporting, and it should not be taken for granted.
I regret to inform you that the information for XXXX XXXX account number XXXX you have provided has not met the necessary standards for accuracy, completeness, timeliness, and validation. As per the reporting standards and consumer laws, documented proof of compliance is required. The information you have provided is lacking and contains inaccuracies, incompleteness, and unverified claims. This is a significant inadequacy and demands immediate attention. I kindly request that you take necessary measures to remove any such imperfect, inaccurate, incomplete, or unverified information. It is essential to maintain accurate and complete records to prevent any issues from arising in the future.
The reported Account Type (BS-9), Account Type Details, Bureau Code, Payment Status XXXX High Credit (XXXX, Balance XXXX, Monthly Payment XXXX, No. of Months (terms) XXXX, Date Last Active XXXX XXXX XXXX Year History is inconsistent across the three credit reporting agencies. This deviation from the required reporting standards has led me to contest the reporting of this claim, as the creditor must prove that their reporting practices fully comply with the Credit Reporting Industry's Metro 2 Format standards. If they cannot demonstrate compliance, their reporting may not meet the necessary requirements.
I would like to bring to your attention that the information for account XXXX XXXX XXXX you have provided is currently inadequate as it has not been verified for accuracy, completeness, timeliness, and validation. To ensure compliance with reporting standards and consumer laws, documented proof of compliance is essential. I am disappointed to find that the information provided is insufficient, incomplete, and contains inaccuracies and unverified claims. In light of this, I urge you to take immediate action to remove any imperfect, inaccurate, incomplete, or unverified information. I understand the importance of accurate and reliable information in making informed decisions. Therefore, I kindly request that you take the necessary measures to provide me with the required documented evidence of compliance reporting standards and relevant consumer laws. Could you kindly remove the following information from reporting now, please?
The account summary that was stated on Account Type XXXX, Account Type Details, Bureau Code, Payment Status (XXXX Credit Limit XXXX, High Credit XXXX No. of Months (terms) XXXX Last Reported, Date Last Active XXXX XXXX XXXX Year History is an unverified inquiry and has not been proven to have the necessary adequacy or lawful permissible purpose as required. Additionally, it may not be compliant with testimonial regulations as it is currently reported. Therefore, please remove this information
from reporting quickly.
We would like to bring to your attention that the XXXX currently being reported, along with its corresponding account number XXXX, exhibits inconsistencies across the three major credit reporting agencies. It is important to note that any discrepancy, incompleteness, inaccuracy, or omission in the reported information goes against the Metro 2 Data-filled Field Formatted reporting compliance standards, which are mandatorily enforced by the reporting industry. Deviation from these standards can potentially compromise the integrity of
the data, as outlined in the XXXX XXXX XXXX, and thus, raises concerns about the legality of the reported item until all claims are verifiably true, correct, complete, timely, physically verifiable, and fully compliant with the aforementioned Metro 2 formatted industry requirements. Therefore, we kindly request your attention to the
following suspect data fields associated with the contested reported item of injury.
I kindly wish to draw your attention to the presence of an error in the Account Type XXXX Account Type Details, Account Status XXXX), Bureau Code, Payment Status XXXX No. of Months (terms) XXXX Last Reported & Date Last Active (XXXX as stated in the report. It has come to my attention that the data pertaining to this account may be erroneous or incoherent with the prescribed reporting norms set forth by the XXXX. I humbly request that you reconsider the matter and provide substantiation for the accuracy, completeness (within the designated timeframe), verification, and adherence to all relevant requirements. Should these conditions not be met, I would greatly appreciate the removal of my profile.
I hereby bring to your attention the details pertaining to the account under the name of XXXX XXXX and associated with the account number XXXX. It is essential to emphasize that the aforementioned data has never undergone certification to comply with any reporting standards. Consequently, there is no assurance regarding the accuracy, currency, or comprehensiveness of the data provided. It is crucial to acknowledge that this information may be lacking in completeness, outdatedness, or lacking support. Therefore, I kindly request the removal of any erroneous or unsupported content from the present page.
I hereby wish to draw your esteemed attention to the presence of the Account Status XXXX, Credit Limit XXXX No. of Months (terms) XXXX, Last Reported, Date Last Active XXXX XXXX XXXX Year History as identified within the report at hand. Upon careful examination, it has come to my notice that the data associated with this particular account seems to be displaying inaccuracies or inconsistencies when measured against the established reporting standards set forth by the XXXX. In light of this, I respectfully request that you undertake a thorough review of the aforementioned data, ensuring its veracity, accuracy, completeness (within the designated timeframe), verification, and compliance with all relevant requirements.
Should any discrepancies persist, I kindly urge you to promptly rectify the situation by removing my profile accordingly.
As a customer, I have outlined the concerns pertaining to your reporting in this document. It is not exhaustive and fails to meet the requisite standards as stipulated by legal obligations. It is imperative that you adhere to both the Fair Credit Reporting Act (FCRA) and Metro 2 compliance regulations, ensuring that all information provided is accurate and promptly communicated, thereby safeguarding my rights from any potential infringement. Please remove the following accounts
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| 02/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am having a very hard time with getting some negative credit entries corrected on old, closed accounts with XXXX. I had loans, originally serviced by XXXX XXXX, that were transferred to XXXX in XX/XX/XXXX when the split occurred. Shortly after, I went ahead and consolidated over to a new lender in XX/XX/XXXX and closed out these lines ; these loans have been paid off, in full, and " closed '' with XXXX. Since this time, I've had to constantly battle for XXXX to correct balances, correct deferments, and i'm at a point now where I am just not getting the proper responses, requested materials, or investigations done for my disputes in a timely fashion or to the full capacity of which im requesting. As of now, I find that the delinquent remarks are fraudulent since I am being denied proof of the validity. I have tried by phone, email, and through Credit Bureau Dispute to challenge the incorrect late payment history that XXXX continues to report these derogatory payments without providing me with my requested validation and verification. In addition, the balances, delinquencies, and information reported among all 3 bureaus is NOT consistent on these trade lines and I've asked this to be fixed multiple times.
Currently, my Credit reports have 19 individual student loan trade-lines, representing all loans disbursed by XXXX XXXX & later XXXX. On each of these 19 trade-lines, XXXX is reporting 5 - 120-day Delinquencies and 3 - 90-day delinquencies. I feel that hypothetically, my credit report really should be " penalized '' only for 8 delinquencies, while FICO is translating each tradeline separately as its own debt. So in reality, my credit report is showing instead a total of 8 delinquencies/missed payments on 19 trade lines translating to a total of 152 delinquencies/missed payments against my credit. The entire length of my relationship with XXXX XXXX lasted for about 5 years, yet I have enough delinquency on my credit from them to equate to me not paying accounts for a total of almost 12 years. XXXX I am at a point now where I am applying for a mortgage but am being met with the obstacle of redundant, late payments that were reported from XXXX - and there is nothing further I can do it seems in terms of getting assistance from them. In addition, most of the delinquencies in question are from the originating loan servicer that is no longer involved, XXXX XXXX ; XXXX refuses to change anything I've disputed from XXXX XXXX while at the same time also refusing to provide me with the supporting documents they have from them showing these reports to be in fact valid. I contacted XXXX XXXX and they disclosed they no longer hold records of my loans. I am continually being denied my disputes while the company continues to speak for XXXX XXXX and not provide me with the supporting information to back any of it. XXXX took over XXXX XXXX as of XX/XX/XXXX - and most if not all of the discrepancies i have precede this date and fall on the responsibility of XXXX Me to verify, not XXXX. Based on the dates of delinquency, I am in firm belief that the 6 month stretch of delinquencies was a result of the transition to XXXX from Sallie mae. Ironically, these " delinquencies '' appear for the 6 months preceding XXXX 's takeover in XX/XX/XXXX and stop once XXXX is servicing the loans in Fall of XX/XX/XXXX.
The number of derogatory payments being reported are causing denials in any application for loans, mortgages, and low interest credit lines. I would like to express that I honestly, do not feel that my credit history reported by is truly reflecting the billing/accounting relationship I had with them. The method in which delinquency remarks are applied on my credit report do not represent how the loan payments were ever billed, paid, or collected. While yes, all of these loans were disbursed at different times at various semesters, they nonetheless were arranged to all bill, and post payments to one combined bill from XXXX under account # XXXX. If XXXX is billing me for all loans and ask that I pay one payment directly to one account number, then it should in no way justifiable to penalize me as if I failed to pay a large number of separate, isolated items when it really was just 1 account, all billed through XXXX under one account number. And nonetheless, XXXX 's report of 1 delinquency continues to multiply by 19 trade lines every time they make negative changes, dropping my score sometimes pretty significantly.
I contacted XXXX customer care and asked for a full copy of any all account history, deferments, forbearance notices, delinquency notices, and statements, mail-outs, etc. This was a few months back, and at that time was told that since this was between 4-5 years ago, and the loans were originated from XXXX XXXX and now closed/consolidated and they no longer have access or the ability to pull any statements/records to fulfill my request. I was however, able to retrieve very old emails I saved from XXXX XXXX, and XXXX from this time frame, showing that I in fact was in Forbearance for most if not all the dates listed.
The dates reported negative which I request full validation and verification of and its statements are as follows : XX/XX/XXXX-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX -- XXXX - I am in possession of email from XXXX, sent XX/XX/XXXX which explains that my loans were at that time CURRENTLY in forbearance and was set to end on XX/XX/XXXX and repayment will begin. Since this email supports with high probability that I was in forbearance on the month they report as 90-days delinquent, which is less than 2 months prior, XX/XX/XXXX, I ask that it be removed/adjusted, or if chosen to be kept on the reports, to have the debt validated and I be provided with the paperwork for any and all the forbearance requests and their dates of execution, and the statement for these months in question to compare for accuracy. It now reports 90-days late and does not seem accurate to documents and correspondence I have provided of that time. This email I have clearly indicates I would have been in some type of deferment during this time frame as they are only months apart, and before repayment. NSLDS.gov also reports that XXXX XXXX placed me in a forbearance ( which I do not recall even asking for or have record of ) on XX/XX/XXXX. Using this information, even then this would not allow for a XXXX late remark, as XX/XX/XXXX was less than 90-days from the confirmed START of the forbearance listed in NSLDS. Please remove the delinquency reported on XX/XX/XXXX as documentation supports I was already in forbearance at that time.
XX/XX/XXXX-In possession of email with conversation with rep XXXX XXXX ( XXXX ) that was sent on XX/XX/XXXX. The email is a request for confirmation on if I would like to CONTINUE my forbearance for an additional 3 months. I also have my reply confirmation, on XX/XX/XXXX, permitting the forbearance sent to XXXX. XX/XX/XXXX however, is reported as 90-days delinquent. Being that I confirmed and executed forbearance in XX/XX/XXXX, this month should have been reported as current as well. The email also indicates to " continue '' forbearance for another 3 months, which leaves evidence that I was currently in a forbearance at the time. ( leaving the 90 day delinquency inaccurate for XX/XX/XXXX ) XX/XX/XXXX-XXXX - I submitted a request for a goodwill adjustment on this date with XXXX, as I was going through a hard time with some personal issues during this period and believed they may have overlooked my email or are still investigating this stretch of time. I did however, upon looking in my email history, find some evidence that forces me to also have these months validated and verified. For the date range in question, I have emails supporting the possibility that I was in forbearance for all, or a portion of this 6-month stretch. On XX/XX/XXXX, I received a forbearance extension confirmation from XXXX XXXX ( XXXX ) to confirm if I wished to continue and add 3 months to my forbearance. In seeing this, I question the validity of the 120 day delinquencies reported for prior 90 days of XX/XX/XXXX-XX/XX/XXXX. Additionally, going backward in my inbox, I found an email from XXXX dated XX/XX/XXXX asking me to log in to view my new documents ( presumably a forbearance document ). Unfortunately due to the loss of XXXX XXXX as the servicer, I can not log in nor get any information when calling them on this matter to do my own validation and verification. And going back 90 days before, in XX/XX/XXXX, I received another email on XX/XX/XXXX from XXXX asking me to log in and look at my new documents. Again, I can not access and retrieve so can not verify its contents..
Based on the information above, and my extreme exhaustion with trying to resolve this myself with no luck, please advise on what I can do to get this resolved. It seems as of now, I am the only party of the two involved who can furnish the most hard-copied proof of the fact I was in forbearance during these times.
I filed disuputes approx. 3 months ago via XXXX with bureaus, as well as emailed the XXXX Customer Advocate, and tried by phone. I get no answers to my questions and not one person has been able to provide me with legitimate, hard copy proof of the delinquincies they are reporting.
At this point, I have an amazing payment history and credit reputation with my creditors and should be reaching a high credit score. However, no matter how hard I continue to work to rebuild and increase the score, I've hit a wall with the incorrect, redundant entries by XXXX significantly pulling my score down. I would understand if these were active loans that I was continuting to pay on, but I don't understand why XXXX is giving me such the run-around on changing information that dates to before their time servicing my loans, especially being in a closed/paid off status. I'm merely asking for an adjustment of old information to reflect the correct status of delinquencies, if any. I am confident that ideally these trade lines should actually reflect paid on time as I have proof via email of being in a consistent forbearance through to consolidation for most of the account life, leaving no valid delinquencies.
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| 10/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Social Security Number : XXXX NC Driver License : XXXX XXXX XXXX XXXX has perjured itself directly by responding to valid disputes and complaints with false and misleading information. In doing so, I feel they have deprived me of my rights to due process because every time they falsify their responses to mislead the Federal Government into believing that the response whether it be an action or statement, believing it to be accurate, complete, and most of all FAIR.
According to the Fair Credit Reporting Act, any information that the furnisher provides to the credit bureaus, reports to an individual 's credit report, and responses to disputes and complaints must be accurate, complete, and most of all FAIR.
Over time, XXXX XXXX XXXX had posted two debts onto my credit report since they are a collection company and collect for many medical facilities. And throughout disputing what I felt like was miscorrect information, or inaccurate, or just in the case for validation of the accounts, they are trying to collect from me now for several years. During this time, and after many many disputes just to get accurate validation of what I was paying for, anything, just tell me something I am being reported on my credit for so I will know what I am paying for. For years, this company has not, never once provided me with what am I paying for. XXXX XXXX XXXX is the furnisher, always has been the furnisher, and always has been the owner of the supposedly bad debts that have been reported onto my credit file for years so that is who I have directly disputing and requesting and complaining to all the credit bureaus about and complaining to XXXX XXXX XXXX.
Not once has this validation occurred. For years I have suffered due to this reporting on my report. And for a very long time, I have been complaining and disputing this fact and always, ALWAYS, the three credit bureaus sent me back their responses as the furnisher validated the account for accuracy but never once actually responded to the specific dispute or complaint which is what XXXX paying for. Show me something and I never received anything the Fair Credit Reporting Act says that this collaboration between consumers, creditors collectors, Consumer Finance Protection Board, FTC, and anyone allowed by law to review or share my credit info, with regards to data being reported against me on credit files must be Fair, Accurate, and Complete.
To not ever answer disputes as outlined above is simply not FAIR. It's not fair to me to have to beg for an answer and years be ignored with the same reply from the credit bureaus. What makes it even worse, is that I find out later on that XXXX XXXX XXXX never had the validation information according to their response to the Consumer Finance Protection Board reply they submitted just a few weeks ago, when directed to provide that information to the CFPB, they stated they would have to get with their client and have their client send it to me.
To date, I have not received anything. So now we are going on 4 years and I find out essentially that all three credit bureaus have been lying because they said they investigated each dispute and verified the dispute to be accurate along with information given to them by their customer XXXX XXXX XXXX. So now that we have that established, I continue to dispute for various reasons that I feel are justified and then I receive a letter in the mail from XXXX XXXX XXXX and they made a statement to coerce me, threaten me, scare me, intimidate me, and referenced laws that do not exist to halt me from disputing those very items that I felt just, especially after I found out that everyone has been lying after all these years because once the CFPB got involved, XXXX XXXX XXXX didn't even have the information to send them and that they would " get with their client ''.
I ask why didn't they get with their client years ago, why have I had to suffer all these years and spend hours and hours each day tiring to keep up with it to protect my credit file. I have over 20 accounts right now with a 100 % payment history. I have a stellar rating on my credit report and minus one or two issues like this, for example, I have perfect credit in my opinion.
So to spend hours and hours each day, trying to learn and figure out a way to get this company to provide me faith r, honest, accurate, and complete information should not be that hard- but it has never been accomplished. Once I knew there was deception and inaccuracies and dishonesty with regards to investigations, etc. I continued to file disputes as it is my right and not once have I threatened anyone with harm, cursed at anyone, I have only asked for validation of these accounts if I owe them, so I can pay them. Never has that been done. And at this point, I refuse for XXXX XXXX XXXX to provide anything to me because in my opinion it would be possibly fabricated and falsified and their behavior and actions have proven that to be more likely or not because they've had 5 years to accomplish this. So not the situation has gotten worse.
I am writing this complaint because it has taken on a whole new face to this collaboration with XXXX XXXX XXXX where they are not falsifying their responses to disputes with the XXXX XXXX XXXX XXXX XXXX XXXX not only once, twice, but many many times. They have made it clear that they are going to do what they want to do and how they want to do it time and time again stemming back to the conception of these two bad medical accounts they have been attempting to collect from me and this is scary. This is very concerning that this may be going on with many others like myself who don't know how to make it to this point. I've been treading water for a very long time trying to breathe and stay above water with my credit file and not drown directly due to the actions of XXXX XXXX XXXX.
I have been denied credit time and time again, and it's affected me where I have not been able to sleep for months, loss of work, sadness, and nightmares when I do sleep because my credit is very important to me but I '' m not going to pay a bill that I DONT EVEN HAVE THE REASON IM PAYING THE BILL AND WHAT DID I RECEIVE FOR PAYING AN AMOUNT that it seems like to me they pulled out of the sky. I don't know what else to do. My rights have been violated, I can't even complete a dispute now with due process cut off at the major XXXX. I have no one else to complain to. The credit bureaus won't read this and take action on this.
And to make matters, even more, worse, XXXX XXXX XXXX sent me paperwork in the mail recently and it had my, doctors, names and service filed right there for anyone to see, although the service fee was XXXXX out, you can still see there was data underneath those X 's and now that whole collection agency has to know what services I received and now the doctors that performed it and they don't even own the hospital so it can't even be a mistake that only the name of the facility is to be provided to the collection and other basic information, but not the specific doctors names and service that someone X 'd out. You cant determine what type of medical treatment someone receives sometimes by researching the doctor 's name. This is so embarrassing!
And it was on their paperwork so they had access to that and were able to view that at some point. I feel XXXX. I feel sick to my stomach. I can't even breathe it makes me so upset and disgusted that this collection agency can destroy my life and destroy everything that I've worked hard to succeed in and their actions have made my life XXXX because I do not have the time to deal with this XXXX every single day and disputing valid issues for them to tell me, and the CFPD what they are going to do and not do, who are these people, over {$1100.00} in medical bills they have continued to destroy me and I feel near death. I'm writing this for help. I don't know what else to do. I can't afford attorneys but I will try and see what I can do.
And with the latest of them sending me letters that look like some kind of statement with the actual doctor 's names on them and everything they have not violated HIPPA rules and have retained, received, gathered, or given my PHI personal healthcare information by someone, and that only entity could be ECEP, II PA, the group that provides Surgeons to Novant Hospitals where supposedly I went for an emergency years ago.
But I '' ve complained to CFPB about XXXX, XXXX PA, but have never gotten a response back from them about any of this, and XXXX XXXX, PA was providing services to XXXX XXXX at the time I went in for healthcare so the company XXXX hired to perform services on me hired this collection agency XXXX XXXX XXXX to collect from me two bad debts but has destroyed my life.
I can't eat, I'm drained and exhauted all day to lack of sleep, and trying every day to keep my credit in the best shape possible but this XXXX XXXX XXXX have succeeded in absolutely destroying my life with their unethical behavior, criminal behavior, and could care less that they have violated state laws and federal laws and have tried to cover it up since they wrote me that damning letter threatenng me to stop disputing them and was is funny out of this whole situiaton is I submitted that complaint over 8 weeks ago and they have not once said they were sorry, not once have they acknoledged that damning letter they sent me and the laws they broke therein, they have worked effortsly to conceal the fact they they arent responsding or answering to my compalint regardint that letter by falsigying the responses in the internal portal system managed by the CFPB becasue tthey are requried to repond, timely requiremrents, but have perjured themseles XXXX knows how many times by even my complaint was a duplicate time and time of antoher complaint and that complant would be about something completely differrnet but no one notices it, through all the complaints, XXXX XXXX XXXX has proven to me that they run things how they wan na run it and so now I submit this to you and I hope that I get resolve out of this before it drives to emtional death because my credit is all i have.
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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INACCURATE INQUIRIES Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$14000.00} I WAS NEVER LATE ON THIS ACCOUNT 15 USC 1666B XXXX Account Name XXXX XXXX XXXX Account # : XXXX XXXX I WAS NEVER LATE ON THIS ACCOUNT 15 USC 1666B SENSIBLE AUTO LENDING Account Name : SENSIBLE AUTO LENDING Account # : XXXX THIS ACCOUNT STATUS IS REPORTING INCORRECTLY UPDATE ACCOUNT Request for Removal XXXX XXXX XXXX XXXX XXXX Time Share and Cease and Desist Dear XXXX, I hope this XXXX finds you well. I am writing to formally request the immediate removal of an entry on my credit report related to a XXXX XXXX XXXX XXXX XXXX XXXX. I believe this entry is inaccurate and in violation of consumer protection laws. Additionally, I am issuing a cease and desist order to halt any further reporting of this false information.
Here are the details of the matter : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, ZIP XXXX - Date : XX/XX/XXXX In XX/XX/XXXX, I attended a presentation by XXXX XXXX XXXX XXXX, where I was coerced into purchasing a time share. However, subsequent revelations have shown that the sales tactics employed were misleading and that the contract 's terms and conditions were misrepresented. As a consumer, I have the right to accurate and honest information when making financial decisions, and these practices were in violation of various consumer protection laws.
I hereby request the following actions : XXXX. *Investigation : * I urge you to initiate an investigation into this matter and verify the inaccuracies in my credit report related to the XXXX XXXX XXXX XXXX XXXX XXXX entry.
XXXX. *Removal : * Based on the evidence I've provided and the consumer protection laws violated, I request the immediate removal of the aforementioned entry from my credit report.
XXXX. *Cease and Desist : * I am issuing a cease and desist order to prevent any further reporting of this false and misleading information on my credit report.
I have attached supporting documentation that substantiates my claims, including records indicating that I tried to cancel within a week of signing the documents, but my attempts were ignored. I believe the following consumer protection laws have been violated : - Cooling-Off Period - Contract Rescission - Misrepresentation and Fraud Upon completion of the investigation and removal of the inaccurate entry, I kindly request written confirmation of these actions. Additionally, I ask that you communicate this correction to any third-party entities that have accessed my credit report recently.To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately : I appreciate your prompt attention to this matter and trust that you will take the necessary steps to rectify this situation. If you require further information, please don't hesitate to contact me at XXXX ( XXXX ) XXXX / XXXX or XXXX.
Thank you for your cooperation.
Sincerely, XXXX XXXX Sent Write to XXXX XXXX
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up XXXX person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX FINANCI Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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| 03/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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these credit reporting agencies are in total violation of my consumer rights under all of the laws i have stated here they need to be held accountable under the color of law as they continue to violate my rights i have tryed many times to dispute with them about these accounts with not so much as a change to my consumer report i have told all of the listed accounts that i opt out of any of them to report this information on MY consumer report yet my written exemption from them posting to MY CRFEDIT REPORT have gone ignored i ask that you please look and see the evidence i have given here as my rights are continuously being violated and this is the only course of action i have to help me i have posted every law that they keep violated they must be held up to the rules set forth by congress I have sent you a letter asking you to please investigate the enclosed accounts to make sure that there are no inaccuracies and that you investigate each account so that you can clean up my credit report I would like to know how these accounts were verified and to whom did you speak, did you speak to any of my neighbors was anybody in my family contacted so that you can verify these accounts?
According to 15 USC 1681 ( A ) ( E ) the term investigate consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living, is obtained through personal interviews with neighbors friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information however such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer 15 USC 1681 subdivision ( a ) accuracy and fairness of credit reporting. consumer reporting agencies have assumed a vital role in assembling evaluating consumer credit and other information on consumers there is a need to ensure that consumer reporting agency exercised a grave responsibility with fairness impartiality and respect for the consumers right to privacy.
15 USC 1611 criminal liability for willful and knowing violation.
whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issue there under.
15 USC 1682 ( B ) In general subject to subsection C any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates, and I gave no one my written permission to write anything on my consumer report.
15 USC 1681 I procedure in case of disputed accuracy ( 2 ) prompt notice of dispute to furnisher of information Before the expiration of the five-business days. Beginning on the date on which a consumer reported agency receives notice of a dispute from any consumer or reseller in accordance with paragraph one the agency shall provide notification of the dispute to any person who provided any item of information and dispute had the address and, in the manner, established with the person the notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller ( A ) If after any reinvestigation under paragraph one of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modified it item of information as appropriate based on the results of the reinvestigation and promptly notify the furniture of that information that the information has been modified or deleted from the file of the consumer I feel that I have been violated of my rights and that each consumer reporting agency has to notify each other of the inaccuracy per the F DCPA and I feel that you guys are not communicating with each other as in closed are all of the inaccuracies that I asked you to investigate on my behalf and I gave no one permission to write any of this on my credit report which is against the law product FCRN and FD CPA my rights are being violated and I asked that you fix these inaccuracies as this is my second attempt to show you that these inaccuracy are across all three credit bureaus I'm just a regular person who knows and understands the laws and my rights as a consumer I have a right to privacy I have a right to have everything reported on my credit report 100 % accurate per the fair credit reporting act written by Congress and I ask that you please remove all and I mean every single inaccuracy and delete them he immediately before the point of litigation and I asked that you every single inaccuracy off of all three credit reports as you are bound by law to cooperate with the consumer and talk to each other experience TransUnion and XXXX so that you can delete all of the inaccuracies on my credit report I have enclosed copy of my last dispute and I also enclosed copies of my credit report and all the inaccuracies therein I ask that you delete these accounts immediately as they do not report accurately across all three credit bureaus ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX ACCOUNT NUMBERXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX ACCOUNT NUMBER XXXX XXXXXXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.
15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681 S-2 responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A I asked that you not give any third party such as credit bureaus any of my personal information as is my right as a consumer. 15 USC 6802 subsection ( A ) notice of requirement states, except as otherwise.
15 USC 6802 SUB SECTION ( A ) NOTICE OF REQUIREMENTS Except as otherwise provided in this subchapter a financial institution may not directly or through any affiliate disclose to a nonaffiliated third party any nonpublic personal information unless such financial institution provides or has provided to the consumer, a notice that complies with section 6803 of this title.
( B ) OPT OUT ( 1 ) in general, a financial institution may not disclose nonpublic personal information to non-affiliate third parties unless ( A ) such financial institution clearly and conspicuously discloses, to the consumer, in writing or in electric form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third parties ( B ) the consumer is given the opportunity that such information is initially disclosed to direct that such information may not be disclosed to such third party and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I opt out of any disclosures to any third parties or non-affiliates of this financial institution any credit unions credit bureaus credit reporting agencies I do not give any written permission to XXXXXXXX XXXX XXXX and its affiliates to disclose my personal information as I have a right to privacy and my personal information is solely mine.
15 USC 45 PRIVACY MISSION OF FTC 5 USC552a PRIVACY ACT OF 1974 15 USC 6802 6809 GRAMM LEACH- BLILEY ACT 15 USC 1681 FCRA I opt out of any disclosures to any third parties I ask that you remove any reports that you have given to a third party to place on my consumer report that means TransUnion XXXX XXXX and all other credit reporting agencies I opt out! I have given you in writing My unwillingness to allow you to give third parties and non-affiliates any of my personal information I ask that you remove from my consumer report on all platforms any information that you as a financial institution has given to a non-affiliate expeditiously remove all of my personal information from all credit reports and data furnishing firms! I opt out!!!!!! yours truly XXXX XXXX.
provided in this subchapter a financial institution or creditor may not directly or through any affiliate disclose to a nonaffiliated third party any non-public personal information unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title ( B ) opt out one in general a financial institution or debt collector may not disclose nonpublic personal information to nonaffiliated third parties unless hey such financial institution or debt collector clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party B the consumer is given the opportunity that such information is and neatly disclosed to direct that such information may not be disclosed to such third parties and ( C ) the consumer is giving an explanation of how the consumer can exercise that non-disclosure.
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| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
9. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXXXXXX XXXX XXXX, NC XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, VA XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX XXXX : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 05/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I recently complained to the CFPB indicating that no legitimate validation of debt took place at all when I formally requested a reinvestigation into several disputes that Transunion continued to " verify ''. As I 100 % KNOW that the information is incorrect, I have attempted to resolve this matter with Transunion time and again yet they refuse to remove information that was not verified or clearly found to be incorrect, and they failed to provide the requested description of the procedures used to determine the accuracy of the requested information in a timely manner of under 45 days as requested by law. I also personally feel they did everything in their power to intimidate me into not following up and demanding my rights be exercised. At this point, this is blatant negligence and a violation of the law. Additionally, per my complaint submitted to the CFPB on XX/XX/XXXX I have SINCE received additional erroneous information. I FINALLY received a letter from one the creditors ( XXXX XXXX - that Transunion documented numerous times that they " verified '' ) indicating they received a notice for validation. This letter was dated on XX/XX/XXXX. My initial request to Transunion to validate this debt was received by Transunion on XX/XX/XXXX. To add further insult to injury, the " validation '' was for a CURRENT XX/XX/XXXX bill from XXXX! 1. I absolutely do not have ANY active accounts with XXXX. 2. It's mighty coincidental that 6 days after my CFPB complaint regarding my suspicions of Transunion actually taking the steps to validate their reporting of customer accounts that this company FINALLY sends me " validation '' and 3. If I HAD an active account with XXXX, how is it that Transunion has been " verifying '' this information yet reporting this account as being CLOSED?
Transunion 's response per my initial complaint was : " Each source we contact is provided all relevant information regarding your dispute, including your letter and all documents provided by you at the time the dispute, and is requested to verify the accuracy and/or completeness of the information reported. For public record information, TransUnion or a third-party we hire will check the applicable local, state and federal court records to verify the accuracy and/or completeness of the information reported. We store information in our records as it is supplied to us by your creditors. Contact information for each creditor is provided on your credit report for review. Once the verification responses are received, they are reviewed and the disputed information is updated accordingly '' Today I have uploaded documentation from SEVERAL creditors that have either explicitly stated I have no account with them, HAD no account with them, they couldn't locate my information or the information " verified '' was just plain WRONG. Yet, Transunion continues to " verify '' this information as correct, using intimidation and insidious tactics to dissuade victims from speaking out ( like adding a collector & erroneous addresses to your accounts when you complain - but when you follow up with the CFPB, make comments that there are currently no other addresses on your account effectively skipping over the fact that several letters, postage and time was spent in between to get them to remove said new false information ) as well as updating the date of last reporting whenever I RIGHTFULLY exercise my rights under the FCRA thereby continuously keeping my credit poor. With the receipt of this " validation '' letter of this non-active yet active account from this creditor ONLY SIX DAYS after my CFPB complaint, yet ONE HUNDRED AND THREE DAYS from my initial reinvestigation request to Transunion, clearly Transunion has NEVER attempted to validate this account.
Below is my previous complaint : There are several glaring inaccuracies on my Transunion credit report that I have submitted quite a few online disputes including documentation in the past few years with no recourse. On XX/XX/XXXX, I sent Transunion a formal ( notarized & certified ) request asking them to reinvestigate and verify several of these accounts. I also requested the description in which they would be using to verify these accounts as it seems my requests for a legitimate investigation have simply been blown off. In response, not only did I basically receive a copy of my unchanged Transunion credit report ( dated XX/XX/XXXX ) stating the accounts were " verified '' ( with no information on the description they used to " verify '' any of the information ) but they also attached an address where I've NEVER resided ( in a state halfway across the country from my residence ) AS WELL AS a new mysterious collection account on behalf of a utility company I had never heard of - for my troubles. Please note, prior to Transunion receiving my initial formal request on XX/XX/XXXX for them to verify the specific accounts listed, I had already personally reached out to a few of these creditors directly and had in my possession documentation that several of the accounts Transunion for years listed as being derogatory had already either been PAID - as well as correspondences going back over 3 years where the creditors stated they reached out to Transunion on several occasions and yet nothing happened. I even have copies of my receipts of payments to one of the main creditors that I have vehemently disputed for years - ALL of which were already previously sent to Transunion. In addition, I have letters from creditors stating outright that they themselves could not locate my accounts in their database. Yet somehow Transunion is continuously able to " verify '' the information with these very same creditors? It is not unreasonable to doubt that any investigation/reinvestigation of ANY of these accounts ever occurred. I then sent my second request ( notarized and certified ) to Transunion on XX/XX/XXXX exercising my rights under the FCRA further insisting on their methods of verification. I also requested a copy of the original creditor 's documentation that by law they are supposed to have on file. If they had neither method nor documentation on file, not only did I insist on my right to have the accounts deleted, but I also included several of the above listed creditor responses AS WELL AS additional supporting documents from XXXX and XXXX XXXX ( one of Transunions own partners ) who both so happened to notify me on XX/XX/XXXX of the FIVE credit databreaches that I was reported to have been involved in during the past few years. I included these notices and creditor letters in my request as an effort of good faith hoping that someone would finally take my requests seriously and simply do the job of verifying the account information. However in early XX/XX/XXXX even after all of the supporting documents, I STILL received another boilerplate credit report. Nevertheless, I persisted. On my third attempt on XX/XX/XXXX, I mailed yet another certified and notarized request to Transunion advising them that it had now been 59 days since my initial request for a reinvestigation. I insisted that the unverified accounts be removed as they were now in clear violation of the FCRA, yet those accounts remained. Instead, what they DID do was send me a notice dated XX/XX/XXXX ( a full 69 DAYS from Transunion 's certified receipt of my first request ) inserting someone's name ( who that person is, I have no idea ) onto one account giving no additional details and filed a fraud alert on my behalf with another creditor. Several other accounts still remain completely unchanged. As if that was not bad enough, I contacted the mysterious collection account that seemed to suddenly appear on my credit report after my initial request, ( XXXX XXXX XXXX XXXX on behalf of XXXX XXXXa utility company clear across the country from me ) and not only was I advised by the representative that they have no record of anyone from Transunion contacting them about verifying this account, they themselves caught this error MONTHS ago and reached out to Transunion ( as well as their client ) several times since the beginning of the year - in fact, as recently as XX/XX/XXXX ; each time requesting a deletion from my credit report. On my phone call today ( XX/XX/XXXX ) to XXXX XXXX XXXX XXXX ( I also called on XX/XX/XXXX ), I spoke with Account Representative, XXXX, and put in a 2nd request for them to mail me the official recall documents confirming the error, recall and dates that they submitted these recall requests directly to Transunion ; which I will be more than happy to upload to this complaint upon receipt. In the meantime, XXXX XXXX XXXX XXXX ' phone number is XXXX and XXXX and her supervisor have been more than helpful and accommodating. Lastly, for good measure, although no new additional derogatory information has been added, immediately after my second & third letters, Transunion has decreased my score a few points ( only to bring it back up again a few points but never making any real substantial changes ). Outside of the blatant FCRA violations, I also personally think the reporting of the ADDITIONAL ( false ) address/creditor/collection agency information on my credit, the shaving off of a few points here and there as well as the filing of a fraud alert to a company versus actually doing the job of verifying accounts upon request shows a deeper insidious pattern of Transunion intentionally using scare tactics on customers from demanding fair credit reporting on their part. With my documentation, I believe I can clearly show that even after a more than decent amount of communication and effort on my part, a reasonable person can see that Transunion did NOT do the reinvestigation they claimed to have completed since they received my initial request way back on on XX/XX/XXXX, that they aren't above using intimidation tactics to attempt to scare customers from following up and demanding their rights be upheld and they definitely did not handle this before XX/XX/XXXX which was the duration of the timely 45 days as required by law. Please note, after logging this complaint, I will also be emailing this to Transunion CEO, XXXX XXXX. Thank you.
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| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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This company TRANSUNIONis disputing things that Im not even disputing Im not disputing XXXX XXXX The reporting of this account is incorrect because they have missing payments multiple missing payments on the XXXX financial account XXXX This they need to correct and Im not disputing XXXX XXXX disputing the fraudulent inquiries that are on my consumer report. This is what I continue to dispute with them and have disputed with them since the beginning of the year Transunion grotesque miss handling and miss management of fraudulent claims on consumer reports is grotesque at this point Ive reached out to them multiple times via XXXX complaints FTC complaints. Police reports numerous documents from the California consumer protection and innovation California state attorney general complaints. Transunion has been noncompliant under 15 US code 1680 1.0 I dont know what to do at this point Im really hoping that the Consumer financial protection bureau steps in this is been going on for quite some time now XXXX XXXX does not have any. I mean any of those inquiries that Transunion has Ive reached out to them they removed every single one of the inquiries because they found that they were due to fraudulent behavior of criminal and bad actors, at this point at this moment Transunion has been totally noncompliant my name is XXXX XXXX XXXX reached out to XXXXTRANSUNIONdispute department, ABOUT identity theft, Ive sent papers from the XXXX XXXX Department TRANSUNION XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( XXXX ) TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 , US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated siteTRANSUNION/then, you must immediately inform them this ALLEGED debt is in dispute. TRANSUNION ) XXXX XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] > " TransUnion '' consumer report on without my authorization or a permissible purpose under the [ 15 USC 1681 ] Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections < 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach- Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non- Consent and Settlement : Final Warning and Unambiguous Clarification I categorically and unequivocally reject any offers to contract or legal proceedings to which I have not explicitly and formally consented. The concept of " consent '' is a fundamental aspect of consumer protection laws, which often require explicit consent for activities like data collection and sharing personal information. Any attempt to impose contracts or proceedings upon me without my explicit consent will be considered a flagrant violation of my rights under consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). I require immediate subrogation of the bond to settle any charges against me, effective immediately. For absolute clarity, " subrogation of the bond '' refers to a legal process where I assume the legal rights to collect a debt or claim. If there are any financial claims or charges against me, I demand that they be settled immediately using any security or insurance that may have been posted on my behalf. Failure to comply with these non- negotiable terms will be considered an act of bad faith. It will result in immediate legal action, including but not limited to lawsuits, penalties, and other legal remedies at my disposal. Consider this not just a final warning but an ultimatum. THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. : ( I DID NOT AND DO NOT CONSENT these companies TRANSUNION-THIER FRAUDULENT PRACTICES BY furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by - TRANUNION-intothe ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, again, this complaint is not about the accounts, more or less making sure the accounts are reporting correctly. This complaint is completely about fraudulent inquiries.
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| 05/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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OF INTENT TO FILE A LAWSUIT XX/XX/XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX To : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX File # XXXX Sent via Certified registered mail To Whom It May Concern : I, XXXX XXXX XXXX XXXX, XXXX XXXX SS # XXXX, Is providing This Letter as formal notice of my Intent to File a Lawsuit against Transunion for Damages for a Willful Noncompliance of The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am sure you are aware of the consequences of violating the Fair Credit Reporting Act. There are multiple violations that Transunion is now responsible for.
Privacy Violations-. Transunion performed Unauthorized credit inquiries without my written authorization. A CRA can not release your credit report to anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as : creditors, property owners, insurance providers, utility companies, and employers ( only if you previously consented ).
Furnishing and Reporting Old Information-Transunion failed to supply information and keep your credit information current. When your credit circumstances have changed, and the information in your credit report is not updated to reflect these changes. reporting old debts as new or re-aged. reporting an account as active when it was voluntarily closed by a consumer.
Debt Dispute Violations by Transunion notify a creditor that you dispute the debt that it has reported. Failed to conduct a reasonable investigation of your dispute. Failed to correct or delete any inaccurate, incomplete, or unverifiable information within 30 days ( about 4 and a half weeks ) of receiving notice of your dispute.
By Transunion Willful Violation of my FCRA caused a property owner to turn down my application for imperfect credit, turn down for business credit loans due to imperfect credit, too many inquiries.
NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.2 TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX File # XXXX XXXX. Reporting Inaccurate Names than legal name XXXX XXXX XXXX, my Identification is on File with TRANSUNION. PLEASE DELETE INFORMATION FROM CREDIT REPORT NAMES NEEDS TO BE DELETED FRO CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Reporting Incorrect/Old-Age Accounts/ Closed Account by Consumer Information/ PLEASE DELETE FROM CREDIT REPORT, The information listed is inaccurate, the creditor was to delete from report, I closed the accounts : Name of Creditor / Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.3 TransUnion XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX File # XXXX XXXX. I would like to DISPUTE this creditor ; this is not my Collection account unaware of this creditor. Provide Proof of this DEBT. PLEASE DELETE MY ACCOUNT.
XXXX XXXX XXXX XXXX {$3000.00} 4. TRANSUNION Provided these Regular Inquiries without My written Authorization.
PLEASE DELETE FROM MY CREDIT FILE Regular Inquiries Regular Inquiries are posted when someone accesses your credit information from TransUnion. The presence of an inquiry means that the company listed received your credit information on the dates specified. These inquiries will remain on your credit file for up to 2 years.
Name of Creditor / Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. TRANSUNION Performed these Promotional Inquiries of My credit report without My written Authorization. PLEASE DELETE FROM MY CREDIT FILE Promotional Inquiries The companies listed below received your name, address, and other limited information about you so they could make a firm offer of credit or insurance. They did not receive your full credit report. These inquiries are not seen by anyone but you and do not affect your score.
TRANSUNION INTERACTIVE, credit pulled on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.4 TransUnion XXXX XXXX XXXX XXXX XXXX, PA XXXX File # XXXX XXXX. TRANSUNION Provided My Credit Report without My written Authorization for the following Account Review Inquires. PLEASE DELETE FROM MY CREDIT FILE Account Review Inquiries The listing of a company 's inquiry in this section means that they obtained information from your credit file in connection with an account review or other business transaction with you. These inquiries are not seen by anyone but you and will not be used in scoring your credit file ( except insurance companies may have access to other insurance company inquiries, certain collection companies may have access to other collection company inquiries, and users of a report for employment purposes may have access to other employment inquiries, where permitted by law ).
Name of Creditor Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.5 TransUnion XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX File # XXXX XXXX. TRANSUNION Provided My Credit Report without My written Authorization for the following Account Review Inquires. PLEASE DELETE FROM MY CREDIT FILE Account Review Inquiries -- Continued Name of Creditor Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg.6 TransUnion XXXX XXXX XXXXXXXX XXXX XXXX, PA XXXX File # XXXX XXXX. TRANSUNION Provided My Credit Report without My written Authorization for the following Account Review Inquires. PLEASE DELETE FROM MY CREDIT FILE Account Review Inquiries- continued Name of Creditor Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX NOTICE OF INTENT TO FILE A LAWSUIT XX/XX/XXXX Pg. 7 TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX File # XXXX The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment, or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you ( this is called " file disclosure '' ).
FCRA violations are withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing, and reporting old information, and mixing file.
FCRA, violations whether it was intentional or not. The damages that a consumer may receive are not subject to any limit of the 4 Types of Damages for a Fair Credit Reporting Act Violation consumers maXXXX be entitled to the following damages : Actual damages. There is no limit to this amount if you can prove the loss. Statutory damages. This damage ranges between {$100.00} and {$1000.00}. Consumers can take advantage of statutory damages even without proving that the violation caused you harm. Punitive damages, with no limit on how much. Punitive damages are decided by the court overseeing the proceeding.
Take further notice that Transunion LLC, 30 ( thirty ) days after your receipt of this dispute letter, Transunion will contact the creditor to get the information validated. If the creditor can not validate the disputed issue on your credit report within 30 days ( about 4 and a half weeks ), then the CRA must remove the item from your credit report because it is unverifiable information Transunion, LLC Please Delete all credit inquiries, the collection debt that was previously disputed in which you have not provided proof of debt.
Congress passed the Fair Credit Reporting Act ( FCRA ) in 1971 to regulate consumer reporting agencies ( CRAs ), creditors that furnish information to the CRAs, and users of consumer reports. It also provides consumer protections and outlines how you can recover damages if your credit score is harmed by information that should not be in your consumer reports.
Based on Report # XXXX I, XXXX XXXX will be requesting STATUTORY DAMAGES the sum of {$1000.00} for each violation. Please provide a settlement offer for violating the American Disability Act ( ADA ), The federal Fair Credit Reporting Act ( FCRA ).
XXXXIf no Settlement Offer is presented to XXXX XXXX XXXX I will be enforcing the FCRA rights by filing a complaint with the CFRB or the Federal Trade Commission ( FTC ) and contacting the State Attorney general to enforce my rights under the FCRA . Imya attorney will seek to recover statutory Damages, Punitive Damages, and attorney fees for the Many violations.
Respectfully, XXXX XXXX
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX OF XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX OF XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, D.CXXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Under the doctrine of estoppel by silence, XXXX v. XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.
In a reasonable effort to resolve the matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, and proof of your authority in this matter. Absent such evidence, you must terminate this collection action and correct any erroneous reports of this debt as mine.
For the record, I state again : As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
What is your authorization of law for your collection of information?
What is your authorization of law for your collection of this alleged debt?
Please evidence your authorization to do business or operate in this state.
Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
You have fifteen ( 15 ) days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and promptly will work as a waiver to any of your claims in this matter and will entitle me to presume that you placed this on my credit report ( s ) in error and that this matter is permanently closed.
Your continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from all sources you have reported it to.
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Regards, 14th Amendment violation right to Due Process No State shall make or enforce any law which shall abridge the privileges or immunities of citizens of the United States ; nor shall any State deprive any person of life, liberty, or property, without due process of law ; nor deny to any person within its jurisdiction the equal protection of the laws.
4th Amendment Rights to Privacy The Fourth Amendment of the U.S. Constitution provides that " [ t ] he right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized. '' The ultimate goal of this provision is to protect peoples right to privacy and freedom from unreasonable intrusions by the government.
BLESSING, XXXX, ARIZONA DEPARTMENT XXXX XXXX XXXX XXXX XXXX et al.
certiorari to the united states XXXX XXXX XXXX for the ninth circuit No. XXXX. Argued XX/XX/XXXX -- Decided XX/XX/XXXX Respondents, XXXX Arizona mothers whose children are eligible for state child support services under Title IV-D of the Social Security Act, filed this 42 U.S.C. 1983 suit against petitioner, the director of the state child support agency, claiming, among other things, that they properly applied for child support services ; that, despite their good faith efforts to cooperate, the agency never took adequate steps to obtain child support payments for them ; that these omissions were largely attributable to staff shortages and other structural defects in the State 's program ; and that these systemic failures violated their individual rights under Title IV-D to have all mandated services delivered in substantial compliance with the title and its implementing regulations. They requested broad relief, including a declaratory judgment that the Arizona program 's operation violates Title IV-D provisions creating rights in them that are enforceable through a 1983 action, and an injunction requiring the director to achieve substantial compliance with Title IV-D throughout all programmatic operations. The District Court granted summary judgment for petitioner, but the Ninth Circuit reversed. Without distinguishing among the numerous provisions of the complex Title IV-D program or the many rights those provisions might have created, the latter court held that respondents had an enforceable individual right to have the State achieve " substantial compliance '' with Title IV-D. It also disagreed with the District Court 's conclusion that Congress had foreclosed private Title IV-D enforcement actions by authorizing the Secretary of XXXX XXXX XXXX XXXX XXXX XXXX ) to audit and cut off funds to States whose programs do not substantially comply with Title IV-D 's requirements.
Held : XXXX XXXX does not give individuals a federal right to force a state agency to substantially comply with XXXX XXXX XXXX. XXXX.
( a ) A plaintiff seeking XXXX redress must assert the violation of a federal right, not merely of federal law. XXXX XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX principal factors determine whether a statutory provision creates a privately enforceable right : ( XXXX ) whether the plaintiff is an intended beneficiary of the statute ; ( XXXX ) whether the plaintiff 's asserted interests are not so vague and amorphous as to be beyond the competence of the judiciary to enforce ; and ( XXXX ) whether the statute imposes a binding obligation on the State. See, e.g., XXXX v. Virginia XXXX XXXX, XXXX XXXX XXXX, XXXX. Even if a plaintiff demonstrates such a right, however, there is only a rebuttable presumption that it is enforceable under XXXX. Dismissal is proper if XXXX specifically foreclosed a XXXX remedy, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, either expressly, by forbidding recourse to XXXX in the statute itself, or impliedly, by creating a comprehensive enforcement scheme that is incompatible with individual XXXX enforcement, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. Pp. XXXX.
( b ) Respondents have not established that XXXX XXXX gives them individually enforceable federal rights. In prior cases, the XXXX has been able to determine whether or not a statute created such rights because the plaintiffs articulated, and lower courts evaluated, well defined claims. See, e.g., XXXX v. XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX, XXXX. Here, respondents have not identified with particularity the rights they claim, and the XXXX XXXX has not engaged in the requisite methodical inquiry. That court erred in apparently holding that individuals have an enforceable right to " substantial compliance '' with XXXX XXXX in all respects. The statutory " substantial compliance '' requirement, see, e.g., XXXX XXXX XXXX XXXX A. XXXX ( a ) ( XXXX ) ( XXXX XXXX XXXX. ), does not give rise to individual rights ; it was not intended to benefit individual children and custodial parents, but is simply a yardstick for the XXXX to measure the systemwide performance of a XXXX 's XXXX XXXX program, allowing her to increase the frequency of audits and reduce the XXXX 's federal XXXX upon a finding of substantial noncompliance. The XXXX XXXX XXXX also erred in taking a blanket approach to determining whether XXXX XXXX creates rights : It is readily apparent that many of the provisions of that multifaceted statutory scheme, including its " substantial compliance '' standard and data processing, staffing, and organizational requirements, do not fit any of the traditional criteria for identifying statutory rights. Although this XXXX does not foreclose the possibility that some Title IV-D provisions give rise to individual rights, the Ninth Circuit XXXX not separate out the particular rights it believed arise from the statutory scheme, the complaint is less than clear in this regard, and it is not certain whether respondents sought any relief more specific than a declaration that their " rights '' were being violated and an injunction forcing petitioner to " substantially comply '' with all of Title IV-D 's provisions. This defect is best addressed by sending the case back for the XXXX XXXX to construe the complaint in the first instance, in order to determine exactly what rights, considered in their most concrete, specific form, respondents are asserting. Only by manageably breaking down the complaint into specific allegations can the XXXX XXXX proceed to determine whether any specific claim asserts an individual federal right. Pp. XXXX.
( c ) XXXX 's argument that XXXX XXXX 's remedial scheme is sufficiently comprehensive to demonstrate congressional intent to preclude XXXX suits is rejected. XXXX does not claim that any XXXX XXXX provision expressly curtails XXXX actions, and she has failed to make the difficult showing that allowing such actions to go forward in these circumstances would be inconsistent with XXXX ' XXXX tailored scheme. That scheme is far more limited than those at issue in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX XXXX XXXX, the only cases in which the XXXX has found preclusion ; in particular, Title IV-D contains no private remedy -- either judicial or administrative -- through which aggrieved persons can seek redress. The only way that XXXX XXXX assures that States live XXXX to their child support plans is through the XXXX 's oversight, but the XXXX 's limited powers to audit and cut federal funding are not comprehensive enough to foreclose XXXX liability. Pp. XXXX.
XXXX XXXX DEPARTMENT Balance details Paid off - Balance {$3000.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Child Support XXXX XXXX DEPARTMENT Balance details Paid off - Balance {$2600.00} Balance updated XX/XX/XXXX Original balance - Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Child Support
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of the Fair Credit Reporting Act and Notice of Pending Litigation Dear Sir/Madam, I am writing to formally dispute the inaccurate, unverifiable, and invalidated information present in my consumer file. I am deeply concerned about your continued violation of the Fair Credit Reporting Act ( FCRA ) and your refusal to delete the disputed items listed below. This letter serves as both an offer of settlement before litigation and a notice of pending litigation seeking relief and monetary compensation under FCRA sections 15 U.S. Code 1681n, 15 U.S. Code 1681o, and 15 U.S. Code 1692k.
It is evident that you are in direct violation of the FCRA, as the unverified items listed below remain on my credit report, contradicting federal law. According to the FCRA, you are required to possess original creditors ' documentation to verify the accuracy and ownership of the reported information. Despite previous investigations, you have failed to provide me with any original documentation, as mandated by Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have not fulfilled the requirement of providing the method of verification as specified in Section 611 ( a ) ( 7 ). I must remind you that Section 611 ( 5 ) ( A ) of the FCRA demands the prompt deletion of all information that can not be verified.
In light of your disregard for the FCRA, I would like to outline the following key points for your understanding : The Fair Credit Reporting Act ( FCRA ) is the primary federal law that governs the collection and reporting of credit information about consumers. It establishes guidelines for the acquisition, retention, and sharing of credit information.
FCRA violations encompass instances where creditors provide inaccurate financial information, reporting agencies mix up individuals ' information, or agencies fail to adhere to guidelines for handling disputes.
Under the FCRA, I have specific rights, including the ability to verify the accuracy of my report when required for employment purposes, receive notification if my file has been used against me in credit applications or other transactions, dispute and have bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report, and have outdated negative information removed.
I demand the immediate deletion of the following items from my credit report due to their inaccurate, unverifiable, and invalidated nature : XXXX. XXXX Account XXXX : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account XXXX : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account XXXX : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report.
17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
18. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Your continued violation of 15 U.S. Code 1681n ( Civil liability for willful noncompliance ), 15 U.S. Code 1681o ( Civil liability for negligent noncompliance ), and 15 U.S. Code 1692k ( Civil liability ) exposes you to legal consequences. As such, I reserve my right to pursue litigation to enforce my rights under the FCRA and seek the appropriate relief and monetary damages available under Section 616 and Section 617.
According to the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to complete the investigation into these disputed items. Additionally, I request the description of the procedure used to determine the accuracy and completeness of the information within 5 days of the completion of your re-investigation. Please note that I do not consent to e-Oscar or any form of automated verification.
Failure to respond satisfactorily within the specified timeline may result in legal action against your company. I would seek {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury I must also inform you that depending on your response, I may release a public press release online, documenting any potential small claims action and the issues with your company. Copies of this complaint have been sent to the relevant organizations listed below for their information : [ CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX ] [ CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, XXXX XXXX ] [ CC : Consumer Financial Protection Bureau ] [ CC : Attorney General 's Office ] [ CC : XXXX XXXX XXXX ] [ CC : State Senate ] [ CC : Federal Deposit Insurance Corporation ] [ CC : Comptroller Of The Currency ] [ CC : Federal Reserve System ] [ CC : Credit and insurance ] [ CC : Federal Trade Commission ] [ CC : State Regulatory agency ] [ CC : California Regulatory agency Division of consumer complaints ] Please take immediate action to rectify this situation within the specified timeline. I expect a written response addressing the resolution of this dispute and the removal of the inaccurate items from my credit report. Failure to comply may result in the commencement of legal proceedings without further notice.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Hello Greetings!
Subject : XXXX XXXX XXXXXXXX closing my credit card and marking on credit ( " Derogatory '' ).
I am writing to you today to express my concern about the closure of my credit card and the subsequent derogatory mark on my credit report.
I have been a customer of XXXX XXXX XXXXXXXX since XXXX and have had a checking account ( Debit card ) with XXXX XXXX XXXXXXXX since XXXX and credit card with XXXX XXXX XXXX since XXXX. In XX/XX/XXXX, I had to travel to XXXX for a personal emergency. While I was there, I updated my communication and permanent addresses to XXXX in my XXXX XXXX XXXXXXXX XXXX banking account for both checking account and credit card. I had XXXX balance on my credit card at that time. In XXXX or XXXX, XXXX XXXX XXXX sent me a new credit card to XXXX that is valid until XXXX.
I used the credit card for {$200.00} once and then made some payments from my checking account. I had some outstanding balance, but I don't remember the exact amount. I was too busy with my parents in the hospital and forgot to pay the balance. I had a XXXX XXXX XXXX XXXX App on my XXXX, unfortunately my XXXX fell on the water and crashed the processor so I couldn't use the mobile app. Also, XXXX XXXX XXXX charges a {$25.00} transaction fee for every {$10.00} purchase, so I stopped using the card in XXXX. I used local credit cards there and waited for my visa to get back to the XXXX.
In XX/XX/XXXX, I logged into my online banking account and saw that my credit card had been closed. It was shocking for me that XXXX XXXX XXXXXXXX closed my credit card without any notification, they failed to notify me by mail or email or text message, no communication with me. I checked if there was a balance I needed to pay. I don't remember exactly how much it was, around {$40.00} or something like that. Immediately I paid the outstanding amount from my checking account, there was no balance after my payment, XXXX balance at that time.
In XX/XX/XXXX, I returned to the XXXX with my visa. Need to book an airline ticket but I cant use my credit card because they closed my credit card even though the credit card is valid till XXXX and there is no use. I called customer service from XXXX and asked why they closed my credit card, she didnt tell me the reason why my credit card was closed, and she said we can't reopen the same credit card, you need to apply for a new card. I was under the impression and assumed I didnt use the credit card for a longer time and there was no transaction, that's why they closed. I applied for a new credit card from XXXX, but didn't get approval ; it was declined. I thought maybe it was declined because I have communication and permanent address to XXXX.
In XX/XX/XXXX, I requested a new debit card because my previous one had expired. I didn't have a credit card, so I need at least a debit card to use in the XXXX, I have changed my communication address to my friend 's home address in XXXXXXXX XXXX XXXX sent a new debit card to my friends home. I travelled from XXXX to my friends place in XXXX, collected my debit card.
I then travelled to my new workplace in XXXX, XXXX, and went to the XXXX XXXX XXXX XXXX XXXX to create a new pin for my debit card. I told the relationship XXXX when I was in XXXX XXXX closed my credit card, and she offered to help me apply for a new one but she didn't know why they closed my credit card when I was in XXXX. She applied for me again and it got declined for the second time, perhaps I thought that I needed to have a communication address in XXXX and that's why it got declined so I waited for 30 days, and again I applied for a credit card with my current residential XXXX address. However, this application was also declined, and no customer care didnt tell me why it kept declining the credit card.
In XXXX, I applied for a XXXX credit card but it was also declined. I was starting to get worried about why my applications were being declined all the time, so I applied for an XXXX credit card in XXXX. This application was declined immediately, and I received a notification from XXXX that I should contact TransUnion.
I called TransUnion and explained the situation. They told me that I needed to contact XXXX XXXX XXXX to find out why my credit card had been closed. I went to the XXXX XXXX XXXX XXXX XXXX at XXXX, explained to them all the problems and why my credit card was closed when I was in XXXX without informing me or warning me to pay the balance. They failed to notify me in mail or email or text message, there is no communication with me. This is absolutely a communication gap ; they have my XXXX address for communication but didnt send the letter, so the relationship XXXX created case # XXXX asked me to follow-up this case # XXXX with the credit card department after XXXX business days.
I called XXXX XXXX XXXX credit card customer service after XXXX business days to follow up the case # XXXX, she told that my credit card had been closed due to non-payment and marked as credit ( " Derogatory '' ), we cant do anything but right now you dont have to pay anything, XXXX balance. I was really shocked. In the last 4 months, I called customer service many times and they didn't tell me why my previous credit card was closed. They didnt tell me the reason for closure and now they are telling me all about it. I was very upset with XXXX XXXX XXXX customer care, they failed to notify or warn me of the credit card closure and for the last 4 months they didnt tell me why my credit card was closed.
XX/XX/XXXX XXXX, spoke to Transunion again, explained this was what XXXX XXXX XXXX did to me. Transunion created a dispute ( " Derogatory '' ) to XXXX XXXX XXXX, after XXXX days XXXX XXXX XXXX came back to Transunion saying no, we have given the correct and accurate results so we cant reopen the credit card and we can't dispute ( " Derogatory '' ). I called TransUnion again, they told me that they cant dispute ( " Derogatory '' ) without XXXX XXXX XXXX approval so they asked me to talk to XXXX XXXX XXXX again.
XXXX end of XXXX XXXX, talked to customer care from XXXX XXXX XXXX. She was the first-one from XXXX to XXXX my problem and created a dispute ( case # XXXX ) for all the creditors ( TransUnion, XXXX, XXXX, XXXX ) to dispute. XX/XX/XXXX, I called again to follow-up XXXX customer care and she created another dispute ( case # XXXX ) for only TransUnion. She told that XXXX weeks ago XXXX dispute created ( case # XXXX ) for all the creditors ( TransUnion, XXXX, XXXX, XXXX ) to dispute it and she told me that today I have created another one for you to dispute ( case # XXXX ) only for TransUnion.
XX/XX/XXXX, again I called XXXX XXXX XXXX XXXX XXXX to follow-up both the dispute cases ( XXXX and XXXX ) the customer care was telling me all the reverse information the dispute case was created ( case # XXXX ) XXXX weeks ago was declined and closed now. XXXX days back there was a dispute ( case # XXXX ) which is for all the creditors and that will take another XXXX. I was really shocked when I called XX/XX/XXXX, she didnt tell me the previous dispute was declined and closed, and now this person was telling me it's declined and closed. The XXXX dispute was created ( case # XXXX ) for only TransUnion and now this customer care was telling its for all the creditors, completely contradicting the information from previous customer care, dis-honest information. I am really frustrated with this mis-leading information.
Right now, XXXX XXXX XXXX is not helping in any way, there is no customer value. If you see XXXX is not a banking company but how they value customers, they called immediately after the credit application declined and gave me the TransUnion number to contact directly as well as they have sent an email with information about the credit bureau and number to contact TransUnion. I see really the customer value and customer obsession with XXXX not with XXXX XXXX XXXX.
In fact, XXXX XXXX XXXX with my checking account made so much business in the past, I had so much money with my checking account in the past, and right now also my salary checking account is with BOA, I am still giving them business and they made so much money from my checking account and they gave me for {$40.00} or something the XXXX XXXX marking my credit ( " Derogatory '' ) in the credit report, without warning me or communicating with me they closed my credit card was very awful, there is no customer value, no truth and honest information every customer mis-leading with different information. You can see the above XXXX dispute cases and every customer providing XXXX different pieces of information, contradicting each other information, and mis-leading information.
Currently, I cant even apply for any credit card, I cant rent a car, I cant buy a car without a loan. The credit bureau is not coming back because of XXXX XXXX XXXX being marked in credit ( Derogatory ). I am totally frustrated ; I cant do anything totally tied-up and stressed out. Because of this reason XXXX cant even focus on my job and health, this is very stressful. When I went to rent a car with a debit card ( XXXX XXXX XXXX checking account ) at XXXXXXXX XXXX XXXX before taking money from my debit card. They are doing soft credit checks. Even that one was also declining, I am totally frustrated and cried because I cant even use a debit card in some places. I am going through the last 4 months of XXXX life here, and a very stressful life. Since I applied for a credit card with XXXX and XXXX XXXX more than once, it has become an " XXXX '' on my credit report.
I am very disappointed with the way that XXXX XXXX XXXX has handled this situation. I have been a loyal customer for many years, and I believe that I deserve better treatment.
I am requesting that you investigate this matter and remove the " Derogatory '' and " XXXX '' marks from my credit report. I am also requesting that XXXX XXXX XXXX should reopen my credit card.
I would appreciate it if you could take action on this matter as soon as possible. Thank you for your time and attention to this matter.
Thank you!
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| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have reached out to XXXX, XXXX and XXXX, Trans Union and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint TEXAS state Attorney Generals complaint and TEXAS XXXX XXXX XXXXXXXX XXXXXXXX XXXX complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX card which has an amount of $ {$30000.00} ( XXXX XXXX XXXX XXXX XXXX card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt listed or names or addresses XXXX XXXX XXXX XXXX XXXX card account XXXX date XX/XX/XXXX amount {$30000.00} ) XXXX acct # XXXX date XX/XX/XXXX XXXX XXXX ( INQUIRIES ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Fraudulentnames ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address ) XXXX XXXX XXXX XXXX, TX XXXX ACCOUNT XXXX XXXX NUMBER Dates XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX AMOUNT DATE OPENED XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1692c ( b )
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| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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After extensive research I have become aware that your company is in direct violation of a number of federal and state laws including the FCRA, Fair Debt Collection Practices Act. Your company is in violation of Title 18 U.S. Code 1951, Interference with commerce by threats or violence and my 4th amendment right to privacy. Im seeking immediate relief for the inaccuracies and damages caused by your company. Below is a list of accounts that your company has published WITHOUT my written consent.
XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX INC
XXXX
Balance updated XX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number XXXX
Original creditor
XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date openedXX/XX/2018
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX Balance XXXX
Balance updatedXX/XX/2022
Original balance
XXXX Paid off
0%
Monthly payment
-
Past due amount
XXXX
Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX GA XXXX
Phone numbeXXXX XXXX XXXX Comments
-
Prepared For XXXX XXXXDate generated:XX/XX/2022
XXXX XXXX XXXX Original creditor: XXXX XXXX XXXX XXXX
XXXX
Balance updated XX/XX/2022
Account info
Account name
XX/XX/XXXX
Account numberXX/XX/2462
Original creditor
XX/XX/XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance XXXX
Balance updatedXX/XX/2022
Original balance
XXXX
Paid off XXXX
Monthly payment
-
Past due amount
XXXX
Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX GA XXXX
Phone number
XXXX XXXX Comments
-
Prepared For XXXX XXXXDate generated:XX/XX/2022
XXXX XXXX XXXX Original creditor: XXXX XXXX XXXX XXXX XXXX
Balance updatedXX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number
XXXX
Original creditor
XXXX XXXX XXXX XXXX Company sold
-
Account type
Collection
Date openedXX/XX/2017Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
XXXX
Balance updated
XX/XX/2022Original balance XXXX Paid off
XXXX%
Monthly payment
-
Past due amount
XXXX
Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX, GA XXXX
Phone number XXXX XXXX Comments
-
Prepared For XXXX XXXXDate generatedXX/XX/2022XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX
XXXX
Balance updated XXXX XXXX XXXX
Account info
Account name
XXXX XXXX XXXX
Account numbeXXXX XXXX Original creditor
XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2017Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX Balance
XXXX
Balance updated XXXX XXXX XXXX
Original balance XXXX
Paid off XXXX
Monthly payment
-
Past due amount
XXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number
XXXX XXXX
Comments
-
Prepared For XXXX XXXXDate generated:XX/XX/2022XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX
Balance updated XX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number XXXX Original creditor
XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2018
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
XXXX
Balance updated
XX/XX/2022
Original balance XXXX Paid off
0%
Monthly payment
-
Past due amount
$XXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX GA XXXX
Phone number
XXXX XXXX
Comments
-
Prepared For XXXX XXXXDate generated: XX/XX/2022XX/XX/XXXXOriginal creditorXXXX XXXX XXXX XXXX XXXX
XXXX
Balance updated XX/XX/2022
Account info
Account name
XXXX XXXX XXXX
Account number
XXXX
Original creditor XXXX XXXX XXXX XXXX Company sold
-
Account type
Collection
Date opened
XX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
XXXX
Balance updated
XX/XX/2022Original balance XXXX
Paid off
0%
Monthly payment
-
Past due amount
XXXX
Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone number XXXX XXXX0
Comments
-
Prepared For XXXX XXXXDate generated:XX/XX/2022XXXX XXXX XXXX
Original creditor: XXXX XXXX XXXX XXXX XXXX
Balance updated XXXX XXXX XXXX
Account info
Account name
XXXX XXXX XXXX
Account number XXXX Original creditor
XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date openedXX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance XXXX
Balance updated
XXXX XXXX XXXX
Original balance
XXXX
Paid off
0%
Monthly payment
-
Past due amount XXXX
Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone number
XXXX XXXX
Comments
-
Prepared For XXXX XXXXDate generated: XXXX XXXX XXXX
XXXX XXXX XXXX Original creditor:XX/XX/XXXX XXXX
Balance updated XX/XX/2022
Account info
Account name
XX/XX/XXXXAccount number
XXXX
Original creditor
XXXX XXXX XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XX/XX/2017
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance
XXXX
Balance updated
XXXX XXXX XXXX Original balance XXXX Paid off
0%
Monthly payment
-
Past due amount XXXX Terms
1 Month
Responsibility
Individual
Your statement
-
Payment history
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX GA XXXX
Phone number
XXXX XXXX
Comments
-
Prepared For XXXX XXXXDate generated: XXXX XXXX XXXX XXXX XXXX XXXX Original creditor: XXXX XXXX XXXX
Balance updated XXXX XXXX XXXX
Account info
Account name
XXXX XXXX XXXX
Account number
XXXX
Original creditor
XXXX XXXX
Company sold
-
Account type
Collection
Date opened
XXXX XXXX XXXX
Status
Seriously past due date / assigned to attorney, collection agency, or credit grantor's internal collection department
Status updated
XXXX XXXX
Balance XXXX
Balance updated
XXXX XXXX XXXX Original balance XXXX
Paid off
0%
Monthly payment
-
Past due amount XXXX Terms
1 Month
Responsibility
Joint Account
Your statement
-
Payment history
XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection
Data Unavailable
Contact info
Address
XXXX XXXX XXXX XXXX XXXX, GA XXXX
Phone number
XXXX XXXX
Comments
Account information disputed by consumer
Prepared For XXXX XXXXDate generated: XX/XX/2022
Public records
No public records reported.
Prepared For XXXX XXXXDate generated: XX/XX/2022
Inquiries
XXXX XXXXnquired on XX/XX/2021
Business Type: Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX,TXXXXX XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX
Inquired on XXXX XXXX XXXX
Business Type: Automobile Dealers, Used
XXXX XXXX XXXX XXXX XXXXXXXX
XXXX XXXX
This inquiry is scheduled to continue on record until XXXX XXXX
XXXX
Inquired on XXXX XXXX XXXX
Business Type: Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXXCAXXXX XXXXXXXX XXXX
This inquiry is scheduled to continue on record until Jun XXXX XXXX XXXX XXXX
Inquired on XX/XX/2021
Business Type: Bank Credit Cards
XXXX XXXX XXXX XXXX XXXX
By mail only
This inquiry is scheduled to continue on record until XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Inquired on XX/XX/2021
Business Type: Federal Government
XXXX XXXX XXXX XXXX XXXX,TXXXXX XXXX XXXX XXXXhis inquiry is scheduled to continue on record until XXXX XXXX
Prepared For XXXX XXXXDate generated: XX/XX/2022
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| 11/27/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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After numerous attempts to rectify what is is inaccurate reporting on my Consumer Report with this consumer reporting agency, they continue to report unvalidated erroneous information on my credit report as validated. A certified letter has been sent to inform me as to how they validate my debt and no response has been given. They have allowed the lender on numerous occasions to change/correct their errors on my credit report instead of removing the erroneous information that has been reported. Pursuant to the FDCPA 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
15 USC 1692f 808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 USC 1692g 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
( d ) Legal pleadings A communication in the form of a formal pleading in a civil action shall not be treated as an initial communication for purposes of subsection ( a ).
( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section.
15 USC 1692h These items MUST be removed not giving the subscribers to their reporting agency time to correct the information to further report erroneous information. If it was false at the time of the initial validation the the item should be removed not corrected to further a business relationship. This would be a conflict of interest and steps should be taken to allow consumers to have faith and fairness in credit reporting agencies.
I have attached all copies of what has been sent to the consumer reporting agencies an my complaint is also a timestamp as to the 30 days that you have to validate my debt appropriately.
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| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Account # XXXX Account Type Collection Agency/Attorney Creditor Type -- Account Rating Payment after charge off/collection Portfolio Type Collection Owner of Account Individual Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX Placed in Collections XX/XX/2020 Under the federal Fair Credit Reporting Act ( 15 U.S.C. section 1681 and following ), you are obligated to investigate this request within 30 days, and promptly give credit reporting agencies correct information if you find that information you have reported is incorrect or incomplete. I have enclosed the Consumer Financial Protection Bureau 's Notice to Furnishers of Information, which details your responsibilities under the Fair Credit Reporting Act as a furnisher of information to credit reporting agencies.
This negative mark is damaging my credit. Please promptly contact XXXX, TransUnion, and XXXX ( and any other credit reporting agency to which you reported this information ) and remove this information from my credit file.
Please confirm within 20 days that you have directed these credit reporting agencies to remove this information.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document. Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ). Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ). Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ). Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumer 's file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ). Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B. Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnisher 's agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information. Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). The Consumer Financial Protection Bureau website, consumerfinance.gov/learnmore, has more information about the FCRA. Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX OF Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
8. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
9. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
10. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
11. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
12. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
13. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
14. XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
15. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
To Whom It May Concern, In the course of recently screening my personal Transunion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
3. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
4. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
5. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
6. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
7. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX/XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
8. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 01/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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This is the case of RETALIATION in response to my complaint XXXX filed with CFPB. : ( I 've had Credit History for 28 years. I have about 10 credit cards now and NEVER I was late on my payments.
1. The bank RETALIATED for my complaint to the CFPB by reporting my account to rating agencies as delinquent 2. The bank tricked me into transactions I did not want to charge {$16.00} under the pretense of waving them when posted and now refuse to do so 3. Despite lies in the XXXX XXXX response to my CFPB XXXX, my request to cancel autopay has not been followed 4. Despite the claims that the fraudulent charges have been dealt with on XXXX XXXX, they, according the the brunch manager and numerous reps on the phone still have been on the account in XXXX, when I visited the brunch to deal with the issue 5. The bank broke two laws : 1. Went over the mandated by law 30 days period for dealing with the fraudulent charges and 2. Held me responsible by charging the charges and resulting fees in my autopay, which, one more time, the XXXX XXXX letter falsely claims it canceled.
This is continuation of the problem of INCOMPETENCE AND HARASSMENT emanating from the Executive Office ( OF ) of the XXXX XXXX XXXX XXXX XXXX bank that I reported in the case XXXX. As an example of the Inmates Are Running The Asylum case, the CFPB, ignoring my request in writing in the complaint and followup phone calls sent my complaint to the XXXX XXXX. A low level subordinate to the people against whom I filed the complained, wrote the response that should have been an exhibit A in my case of incompetence and harassment. CFPB closed my inquiry. How can it be?
Now, XXXX XXXX RETALIATED against me by reporting me to rating agencies as delinquent. How can this be? Is this what CFPB for? Will they just sent this complaint back to XXXX XXXX, get another insane response and just close the case? Where is PROTECTION???
In addition to all complains to CFPB, if you check with XXXX XXXX XXXX there are XXXX complaints against XXXX XXXX XXXX XXXX active. The bank is so bad that XXXX offers NO RATING, not even F.
In this context, lets return to the particulars of my case and the XXXX XXXX response full of misrepresentations and lies.
My complaint started with the text I received while driving from the XXXX about potential fraudulent charges. With other cards, which usually take 15 minutes to deal with the issue, phone calls follow. Thus, I pulled to the side of the road and texted back that the charges are fraudulent. After waiting 15 minutes, I realized that the phone call is not coming and went on my way.
2 (!! ) hours later, hearing nothing, I called XXXX fraud department. " Oh, yea, '' the agent responded, " let 's shut down your card. '' We went over all the charges and identified the fraudulent ones. The agent offered me rush delivery of the new card for {$16.00} or 10 business days for free and I chose the second option. ( Side issue, no other card has ever charged me for the Rush delivery under the circumstances. When suspicious charges appeared on my AmEx, I got a call, and within 15 minutes the matter has been taken care of : charges have been removed from my account, the card was shut down, and the new one was rushed, even though I was ok with the regular mail delivery to save the money for the bank. ) I thought that was the end of my story. Silly me!
Back to the XXXX XXXX incompetent response to my claim XXXX. If you check, XXXX accepted two+ more fraudulent charges after the card was shut down! Seriously, how could this happen? Is this my fault too?
Moreover, I claimed that the bank does not take actions in response to my requests or take actions contrary to my requests. The XXXX XXXX response letter claims that they took care of the charges on XXXX XXXX. First notice that this is an acknowledgement that XXXX broke the law that allows banks max 30 days to deal with the fraudulent charges. The Letter also claims that WF canceled my autopay in response to my request to cancel on XXXX XXXX.
The only true statement here is that XXXX received my request. I saw that XXXX piled up into my payment charges and fees for going over the limit as a result of fraudulent charges and was about to use my autopay, thus BREAKING ANOTHER LAW : holding me responsible for the fraudulent charges. To save XXXX from braking another law, I walked into a brunch, asked for a manager, and requested canceling autopay. This brunch manager exhibited incredible incompetence, first, to cancel autopay, requiring the corresponding banks information, -what??? -, then, when I provided the check, not being able to differentiate routing number from the account number. BRUNCH MANAGER!!
The brunch manager assured me that he canceled autopay ... He also gave me his business card, back on which stated that the highest gratitude I can show him is refer to him my family and friends ..
On the day when my payment was due, I called XXXX to, just in case, make a min payment over the phone. An agent told me that the corresponding bank account I provided was shut down. I was not surprised. About 6+ months ago I had similar problem with WF. Then, I requested the agent to pass this problem to techs, because : 1. I know that the account is active, 2. All other cards charge the account through their autopays, and the last but not the least 3. XXXX successfully uses its autopay to draw money from that account. Hence 6+ months later the problem still existed!!
So, I went into the bank, withdrew cash from the account and came to a brunch to make a min payment. That 's when I learned that, in spite the lying claims by the XXXX XXXX response : AUTOPAY HAS NOT BEEN CANCELED. The payment holding me responsible for the fraudulent transactions made more than 30 days ago went through .... And, yea, all the fraudulent charges were on my account days after lying response from the XXXX XXXX claims they were removed. How can this be???
Sometimes in early XXXX, I went to the only competent person I 've ever found at XXXX Bank a brunch manager. We spent 4 (!! ) hours on the phone with different departments : 1. Reversing the autopay, 2. dealing with the fraudulent charges. Interestingly enough, the first rep on the phone claimed that the bank still had time to deal with the charges, which XXXX XXXX letter falsely claims have been dealt with on XXXX XXXX. That rep on the phone claimed that apparently the bank still was unaware if charges were fraudulent. All I had to do was pull out my cell phone and show the brunch manager my text-response from XXXX XXXX that the charges were fraudulent. If you recall, to repeat, I also placed the call to the XXXX Fraud Department on XXXX XXXX 2 hours after texting I specifically requested the manager to NOT cancel my autopay, since it 's still been on a week+ after my request. She assured me, -and based on my past dealings with her, I trusted that she knew what she was talking about -, that the autopay would stay on.
Sometimes in early XXXX, I decided to check my account, just in case. You can imagine my surprise when I found that I was late on my payment : my autopay was OFF! What in the world was going on??? I also noticed a charge from a known vendor that from time-to-time posts weird charges. I had those on the XXXX card in the past. They have been taken care of with no issues. So, to deal with these two things I drove across the town to the only competent person I knew at XXXX, the mentioned above brunch manager.
She was as surprised that the autopay was off as I were. She took care and restored the autopay. Then we dealt with the contesting the charge. The rep on the phone insisted on dealing with this charge from a known vendor as a fraud. Why??? We 've done this in the past with no issues ... You 'll understand in a second. As a result, my card was shut down AND a RUSH delivery of a new card for {$16.00} fee offered. Just as on XXXX, I refused to accept, rushed delivery for a fee. I was ok with the regular mail. The brunch manger whom I trusted, winked and told me to accept, that she will cancel the fee on her side if I am charged. Silly I trusted her.
Then I specifically asked her if we 'd need to redo autopay application because of the new card and she assured me that we would not, the autopay will be transferred to my new account.
To make a long story short, just like with the fraudulent charges of XXXX XXXX, the last time I checked, 4 months after I requested to contest the charge, it 's still was on the account. The {$16.00} for the service I refused, still was on the account. The autopay was canceled one more time. The bank piled up late fees. When I came to the only person I trusted at XXXX, the brunch manager that promised me to wave fees, avoids me every time I drive across the town to get her to do what she promised ...
To summarize, 1. The bank RETALIATED for my complaint to the CFPB by reporting my account to rating agencies as delinquent 2. The bank tricked me into transactions I did not want to charge {$16.00} under the pretense of waving them when posted and now refuse to do so 3. Despite lies in the XXXX XXXX response to the bank, my request to cancel autopay has not been followed 4. Despite the claims that the fraudulent charges have been dealt with on XXXX XXXX, they, according the the brunch manager and numerous reps on the phone still have been on the account in XXXX when I visited the brunch to deal with the issue 5. The bank broke two laws : 1. Went over the mandated by law 30 days period for dealing with the fraudulent charges and 2. Held me responsible by charging the charges and resulting fees in my autopay, which, one more time, the XXXX XXXX letter falsely claims it canceled.
Will the consumer financial PROTECTION bureau let XXXX XXXX INCOMPETENCE AND HARASSMENT slide this time too?
P.S. Sometimes around XXXX XXXX, I called VISA and was informed that by law an issuer has upto 30 days to deal with fraudulent charges and in no way I will be held responsible for the fraudulent charges.
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| 01/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate Removal : XXXX XXXX XXXX for the amount of {$530.00} please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( XXXX ) ( F ) ( XXXX ) of this title ; and ( II ) adverse to the interests of the
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| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/1993 I am writing to file a formal dispute and seek your assistance in addressing multiple violations committed by various creditors that have significantly impacted my financial well-being and personal life. I kindly request your intervention to enforce my legal rights and ensure the removal of unverified accounts from my credit report, in accordance with the applicable laws and regulations.
Over the past few years, my financial health has been adversely affected by unauthorized credit inquiries, questionable account information, and unverified accounts that have appeared on my credit report. These actions have caused immense stress, anxiety, and frustration, not only due to their detrimental impact on my credit score but also because they have disrupted my ability to secure favorable financing options for essential life needs.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXXXXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXXXXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXXXXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report.
Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXXXXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX | XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXXXXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXXXXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
These violations have not only impacted my financial stability but have also taken an emotional toll on my well-being. As a result of the unauthorized actions and unverified accounts, I have faced difficulties in securing favorable interest rates for important life milestones, including buying a home and securing reliable transportation for my family. The stress and worry caused by these events have affected my overall quality of life, causing sleepless nights and feelings of helplessness.
In light of the aforementioned violations and their profound impact on my life, I implore the Consumer Financial Protection Bureau to advocate on my behalf and ensure that my legal rights are upheld. I request your assistance in compelling the creditors responsible to remove these unauthorized and unverified accounts from my credit report, thereby restoring my financial integrity and providing me with a fair chance to pursue my life goals without unnecessary impediments.
Thank you for your attention to this matter, and I greatly appreciate your assistance in rectifying these injustices. Please feel free to contact me at XXXX or XXXX if further information is required.
Sincerely, XXXX XXXX XXXX
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The CFPB is the Fiduciary for ALL of the XXXX and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the XXXX continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The XXXX and Creditor continue to report inaccurate information on my credit report. Creditors are using my nonpublic information without my consent which is Identity Theft. According to 15 USC 1681a XXXX FCRA Congress has made it very clear that there are some things that should not be reporting on my credit report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Congress has already said none of these EXCLUSIONS listed above should appear on my Consumer Credit Report. Please DELETE IMMEDIATELY!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with XXXX but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the XXXX stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The XXXX cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The XXXX are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The XXXX doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX81c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The XXXX and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the XXXX, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT XXXX. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement XXXX. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties XXXX. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties XXXX. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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TransUnion credit report agency failed to investigate illegally activity identity thefts fraudulent paperwork refuse to investigate the original application make sure correct owner failed to provide documentation from XXXX XXXX XXXX XXXX XXXX to provide 2 form identification provide by federal regulations guidelines applys to all Leanders in the United States department of Treasury securities of exchange FTC commission regulations wasn't no state issued identification on record make it invalid application should been denied approve until identification can be verified along with TransUnion credit report reported me on the file sents XXXX with out my knowledge my personal information was expose cross the United States an other out side county's applying for business loans mortgage loans other loans received the loans than worth it off as debt sign off with out my permission or my knowledge i suffer from getting denied credit denied placed of residence cause me to become homeless TransUnion allowing this operation to happen with investigation my personal information can't be verified due data breaches an now XXXX XXXX XXXX corporation harrissing me for payment that XXXX XXXX XXXX XXXX XXXX collect multiple times as paid debt on time payment due to TransUnion credit report agency allowing XXXX XXXX XXXX corporation to continue to report delinquency on my credit report unpaid debt illegally corrupted they refuse to remove XXXX XXXX XXXX corporation status account belong to me now I'm stuck suffering because of this an I suppose revenue commissioner unlawful activity company 2000 + credit use my personal information to apply loans I hold accountable for this XXXX XXXX deleted XXXX XXXX XXXX corporation off my credit report bet TransUnion failure to investigate this fraudulent activity company running illegally allowing out country worker for the company so they don't half to file taxes on out country employees who collecting or personal information use it unlawful consumer support another failure to this company I here request full investigation request the original application which should have verification supposed to have to denied or approve line of credit which can't be verified no state issued identification number on record TransUnion request I Mail my social security number an state issued identification valid ID so they can try to cover their tracks due to the company having some type affiliation with these companies try collect an try to harm consumer credit score my credit score should be in good standard of standard instead they helped XXXX XXXX XXXX corporation to defraud my credit report about payment I have nothing to do with never provided any type documents to apply for credit mistakes identity don't confuse me with family or friends have smiler name like mine using my social security number with out provide state issued identification number match my identity that why we supposed always keep valid identification up to date my personal information can't be verified in banking system that TransUnion department refuse to correct to my identity cyber security effect with Identity thefts so I can't receive my E bond EE bond I bond because my personal information don't match the record bet with government issue bonds stocks shares bank is using an issue out to other lenders I'm not receiving a dime I'm homeless because I'm keep getting denied credit card an other loans I'm the own the bond why the bank take over my estate property bonds illegally because they don't wanna correct my personal information in Data base system deleted all fraudulent accounts from my credit file cause my credit score to by XXXX points make it poor so I can't get credit get approved due fraudulent company XXXX XXXX corporation failed removal them self from my credit report like XXXX XXXX removed XXXX XXXX XXXX XXXX off my credit report identity thefts why TransUnion failed to comply with federal regulations guidelines reported illegally activity keep dropping my score self builder account paid in full TransUnion credit report reported something else on my credit report under they name now using it fraudulent instead increased my score drop my score to XXXX poor wrong illegally operation violation rights Equal rights protection under 14 amendment united State Constitution federal law they in violation caused me harm an XXXX XXXX allowing this operation to happen to me cause me pain im correct homeless right now because all the bank toke my asset an sold all government commercial property cause me to lose revenue unredeemed bond that that mature refuse to provide access XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they all denied my right to assets my assets treating to arrest me if I come on property due to im XXXX man with asset that they toke transaction embezzlement money laundering wire transfer fraudulent fraudulent documents not be reported to IRS land taxes an TransUnion credit report agency involved with this corrupted banking system allowing this to happen to me toke control over my life an my identity all they asking me to mail my social security number an identification number why so they can have full access to my personal information to use against me or for the self i refuse to provide or Mail my personal information someone can take or steal USD again I'm supposed be protected by paperwork reduction act registration license active OMB controllers of currency CFPB regulations G 3170-0005 NMLS registration number 2470822 they refuse to analogy it it wrong my personal information need to be investigated bank need to be hold accountable for stealing government bonds assets for they own benefits reasons after this just happen again now still operating illegally when this going stop when I'm get my identity back TransUnion credit report agency an XXXX XXXX XXXX corporation must provide documentation the original application must have everything on social security number an state issued identification expiration date years the license was issued an state which it was issued at can't prove that an u approve credit with correct verification verify identity an place of residence I'm not responsible for providing this document to nobody until this complete investigation be completed an I hereby request XXXX XXXX XXXX corporation be deleted off my credit report an XXXX XXXX XXXX shouldn't be on my report due to error they made mistake they made on XXXX XXXX XXXX XXXX denied my application with notifying me an they removed it they holding my government bonds E-EE-i bond I'm the holder of them asset an they toke it request mail identification cards an socal security number copy an Mail with it can be misplace or lose not taking no risk to anyone that not me I hereby request TransUnion XXXX an XXXX notify these companies inform them my credit is in good standard an they can't run no credit check to identity fraud an automatic approval for home loans mortgage loans credit card proved by federal regulations guidelines an protect by federal paperwork reduction act registration license all 3 credit report agency supposed to notify these banking companies an loan company informed them my credit is in good standard can't no company run any type credit report or check my credit due to fraudulent activity refuse to update the information an forward it to banking system XXXX registration fails to comply with federal regulations guidelines effect my ability to leave an hold my own property an assets that these banks is collect an withdrawal from my savings account an my trust account were they claimed powers of attorney because my identity can't be verified because credit report agency is harming my score get denied credit loans when.im.in title to compensation were I never received because they refuse to pay debt settlement agreement that was made by federal judges in united State of New York NYSE global market cap that belong to me now credit report agency failed to comply still operating illegally violation consumer rights protection act everything must be updated an address must be corrected all fraud account must be removed including TransUnion failed to comply with federal regulations guidelines reported incorrect information just provide us with requirements to apply for credit an any line of credit failed to do is automatically lawsuits pain an suffering motions damaged cause me to be homeless everything must be reported an delivery to Alabama banking association federal reserve commission an FDIC insurance corporation security exchange commission an FTC commission along everyone must update this employment position on my credit report an also my personal information my be corrected I am Protection under safe act an paperwork reduction act registration license I must receive my credit loan license requirements by federal regulations every one must follow federal regulations no land should be auction off illegally failed to report federal revenue tax corporation force they XXXX registration license revoked I am the XXXX over all federal banking system an credit union no everyone must pay federal land tax lease they place of employment no federal land is for sale running illegal operation with proving revenue reported failure to comply with federal regulations guidelines XXXX registration license automatic revoke filing falsely documents an report all banking system Cross the United States operation business with any stocks or shares in corporation landing out funds with permission automatic revoke an suspension or find maybe prosecution effective immediately XXXX illegally banking transaction embezzlement money laundering wire transfer tax fraud federal offense prostitution will be filed stop to corrupted businesses agency running illegally scam with out paying federal land tax federal commercial sale illegally commercial property with federal regulations license all banking is under federal regulations failed to. Comply guidelines civil law be enforced
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| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to you because there are several account billing errors with XXXX XXXX XXXX XXXX and their various violations with different accounts, I will call them on. I know that an account a written list of transactions, noting the money owed ( top part of the statement ) and money paid ( bottom part of the statement/dividend check ) : a detailed statement of mutual demands arising out of a contract or a fiduciary relationship. An account can simply list payments, losses, sales, debits, credit, and other money actions, or it may go further and show a balance or the results of comparing site transactions, like purchases and sales.
The Application means in this section that it may be amended from time to time, by which this Agreement is established between the Depositor ( or following the death of the Depositor, the Beneficiary ) and the Custodian. The statements contained therein shall be incorporated into this Agreement.
Consequently, companies wanted individuals to get rid of paper statements ( go paperless ) because they were committing mail-fraud under 31 USC 3123 . Each statement that was sent to me on the front should have said, " This is a solicitation and youre obligated to contract. I am protected by the Electronic Funds Transfer Act ( EFTA ) ( 15 USC 1693 et seq. ) of 1978.
I am aware that you are negotiating my account via the securities exchange 17 CFR 230.425, 17 CFR 230.141 through your Companys Trustee. A coupon is a definitive bearing interest instrument associated with a U.S. Treasury bearer security. 31 CFR 358.1 16 CFR 1026.13 & D1-3 15 47 USC In accordance with 1026.11 ( 1 ) ( 2 ) Each time a payment is received, your account is deemed to be credited immediately. This is an infraction. Each time a balance is greater than {$1.00} ( the dividend check ), the corporation is supposed to forward the funds to my account.
( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; Good faith effort to refund. The creditor must take positive steps to return any credit balance that has remained in the account for over 6 months. This includes, if necessary, attempts to trace the consumer through the consumer 's last known address or telephone number, or both. Paragraph 11 ( a ) ( 3 ).
Your company is also in violation with the following rules : Soliciting material pursuant to Rule 14a-12 under the Exchange Act ( 17 CFR 240.14a-12 ) Violation # 9 Written communications pursuant to Rule 425 under the Securities Act ( 17 CFR 230.425 ) Violation # 10 Pre-commencement communications pursuant to Rule 14d-2 ( b ) under the Exchange Act ( 17 CFR 240.14d-2 ( b ) ) Violation # 11 Pre-commencement communications pursuant to Rule 13e-4 ( c ) under the Exchange Act ( 17 CFR 240.13e-4 ( c ) ) Violation # 12 Open ended consumer plan ( an account with more than 4 payments ) accounts late payment notifications is illegal. Companies may not directly or indirectly report accounts to creditors. 15 USC 1602 ( j ) Violation # 13 15 U.S. Code 1666b - Timing of payments- This means a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statements, including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Violation # 14 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
8. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
9. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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This company TRANSUNIONis disputing things that Im not even disputing Im not disputing XXXX XXXX The reporting of this account is incorrect because they have missing payments multiple missing payments on the XXXX XXXX account . This they need to correct and Im not disputing XXXX Im disputing the fraudulent inquiries that are on my consumer report. This is what I continue to dispute with them and have disputed with them since the beginning of the year Transunion grotesque miss handling and miss management of fraudulent claims on consumer reports is grotesque at this point Ive reached out to them multiple times via XXXX complaints FTC complaints. Police reports numerous documents from the California consumer protection and innovation California state attorney general complaints. Transunion has been noncompliant under 15 US code 1680 1.0 I dont know what to do at this point Im really hoping that the Consumer financial protection bureau steps in this is been going on for quite some time now XXXX XXXX does not have any. I mean any of those inquiries that Transunion has Ive reached out to them they removed every single one of the inquiries because they found that they were due to fraudulent behavior of criminal and bad actors, at this point at this moment Transunion has been totally noncompliant my name is XXXX XXXX XXXX reached out to /TRANSUNIONdispute department, ABOUT identity theft, Ive sent papers from the US Justice Department TRANSUNION XXXX have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15 , US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated siteTRANSUNION/then, you must immediately inform them this ALLEGED debt is in dispute. TRANSUNION ) XXXX XXXX ( Bank ) XXXX ( Petroleum industries ) XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX ( Home shopping ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ) XXXX ( Bank ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FRAUDULENT INQUIRES ) XXXX XXXX ( Petroleum industries ) XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX ( Home shopping ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports XXXX XXXX ( Bank ) XXXX ( Petroleum industries ) XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX ( Home shopping ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] > " TransUnion '' consumer report on without my authorization or a permissible purpose under the [ 15 USC 1681 ] Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections < 15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. XXXX XXXX ( Bank ) XXXX ( Petroleum industries ) XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX ( Home shopping ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports XXXX XXXX ( Bank ) XXXX ( Petroleum industries ) XXXX ( Finance ) XXXX XXXX XXXX XXXX ( Bank ) XXXX ( Home shopping ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XXXX XXXX Bank ) XXXX ( Bank ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach- Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non- Consent and Settlement : Final Warning and Unambiguous Clarification I categorically and unequivocally reject any offers to contract or legal proceedings to which I have not explicitly and formally consented. The concept of " consent '' is a fundamental aspect of consumer protection laws, which often require explicit consent for activities like data collection and sharing personal information. Any attempt to impose contracts or proceedings upon me without my explicit consent will be considered a flagrant violation of my rights under consumer protection laws, including the Fair Credit Reporting Act ( FCRA ). I require immediate subrogation of the bond to settle any charges against me, effective immediately. For absolute clarity, " subrogation of the bond '' refers to a legal process where I assume the legal rights to collect a debt or claim. If there are any financial claims or charges against me, I demand that they be settled immediately using any security or insurance that may have been posted on my behalf. Failure to comply with these non- negotiable terms will be considered an act of bad faith. It will result in immediate legal action, including but not limited to lawsuits, penalties, and other legal remedies at my disposal. Consider this not just a final warning but an ultimatum. THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. : ( I DID NOT AND DO NOT CONSENT these companies TRANSUNION-THIER FRAUDULENT PRACTICES BY furnishing this information to my consumer report This is also a NOTICE exercising my rights to prevent the processing of my personal data by - TRANUNION-intothe ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, again, this complaint is not about the accounts, more or less making sure the accounts are reporting correctly. This complaint is completely about fraudulent inquiries.
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The CFPB is the Fiduciary for ALL of the XXXX and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the XXXX continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The XXXX and XXXX continue to report inaccurate information on my credit report. Creditors are using my nonpublic information without my consent which is Identity Theft. According to 15 USC 1681a - FCRA XXXX has made it very clear that there are some things that should not be reporting on my credit report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) XXXX Report ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section XXXX of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
XXXX has already said none of these EXCLUSIONS listed above should appear on my XXXX Credit Report. Please DELETE IMMEDIATELY!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( XXXX ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( XXXX ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with XXXX but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The XXXX cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The XXXX doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e XXXX Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency XXXX furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section XXXX of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the XXXX, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the XXXX word instead of conducting their own independent investigation outside of the investigation being completed by the XXXX or XXXX Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT XXXX. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement XXXX. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section XXXX, that such information may be disclosed to third parties XXXX. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties XXXX. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX Sent Priority Mail and XXXX XXXX XXXX, XXXX.
ATTN : Fraud Operations XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Sent Priority Mail XXXX XXXXXXXX, XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Notice of Claims and Demand for Payment relating to XXXX XXXX XXXX ending in XXXX, XXXX XXXX XXXX XXXX Case No. XXXX, CFPB Complaint No. XXXX, and FTC Report XXXX. XXXX Dear Legal Departments of XXXX XXXXXXXX and XXXXXXXX XXXX XXXX : I represent XXXX XXXX ( XXXX ending in XXXX ). I write to provide notice of my clients claims against XXXX XXXXXXXX and XXXXXXXX XXXX XXXX for their fraudulent and grossly negligent conduct and for XXXX XXXX violations of, XXXX XXXX, the Texas Debt Collection Act, the Texas Deceptive Trade Practices Act. I hereby demand that XXXX XXXXXXXX and XXXX, jointly and severally, tender payment to my client in the amount of XXXX XXXX XXXX XXXX XXXX AND XXXX/XXXX USD ( {$51000.00} ) and that XXXX XXXX immediately : ( i ) permanently close the XXXX credit card account ending in XXXX ; ( ii ) permanently remove all interest and late fees applied to the account ; ( iii ) cease reporting negative credit activity to the credit bureaus regarding the account ; and ( iv ) take all actions necessary for the credit bureaus to remove all information related to the fraudulent account and fraudulent charges. If these demands are not timely met, one or more lawsuits will be filed against XXXX XXXXXXXX XXXX XXXX.
In XX/XX/XXXX my client became aware that his personal information and social security number had been used by an unknown person ( s ) to fraudulently open various credit cards. The person ( s ) had presented themselves in person at several stores and applied for credit cards when purchasing goods using my clients social security number, address, and telephone number. One of these credit cards was a XXXX credit card ending in XXXX that was used on an approximately {$3200.00} in-store purchase at the time the account was opened.
My clients credit monitoring service notified him of the fraudulent account openings, and my client immediately contacted XXXX XXXX to resolve the fraudulent XXXX account. After multiple discussions with XXXX XXXX, XXXX XXXX represented to my client in XX/XX/XXXX that my client was not responsible for the charges and that it had had closed the account. This representation was false. Instead, XXXX XXXX has continued to charge late fees to the account, continued reporting balances to credit bureaus, and reported delinquent payment statuses to the credit bureaus each month. Each month since XXXX XXXX false XX/XX/XXXX representations, my client has been required to contact XXXX XXXX to dispute his ownership of the account and responsibility for XXXX XXXX charges. Every month, XXXX XXXX represents to my client that he is not responsible for the charges and that the account has been closed. Despite these repeated representations by XXXX XXXX, my client continues to find himself battling XXXX XXXX to clear XXXX XXXX false credit reports.
Worse, beginning in XXXX, XXXX XXXX came up with a new excusemisrepresenting that XXXX XXXX did not have documentation necessary to review my clients claims. My client again properly completed and submitted an Identify Fraud Information Form, confirming that he : did not apply for or request this account; did not receive a XXXX XXXX credit card ending in XXXX ; did not receive any money, merchandise, or services in association with this account ; has not authorized or directed any individual to seek credit in his name ; and has not authorized any charges, including mail, internet and/or telephone orders on the credit card ending in XXXX.
Indeed, not only did my client neither open the account nor authorize the charges, but my client also has never been to XXXX let alone ever purchased anything from XXXX. Simply put, the charges XXXX claims my client made is fraudulent. Indeed, it appears that XXXX XXXX and XXXX failed to implement proper controls, training, and procedures to prevent fraudulent in-store creation of credit card accounts. Despite all of this, XXXX XXXX refuses to complete its fraud investigation, to close the account with no charges, fees, or penalties assessed to my client, and to remove the false information XXXX XXXX is currently reporting to the credit bureaus. XXXX XXXX even refuses to respond to my clients complaint to the Consumer Protection Financial Bureau and to provide information to my client that validates the alleged debt.
The negligence, gross negligence, fraud, and illegal acts by XXXX XXXX and XXXX are causing significant damage to my client. My client, who has never carried a past due balance or had a delinquent credit card, now faces severe impacts on his XXXX XXXX, which has been lowered approximately XXXX points. This is particularly problematic for my client who is a self-employed financial professional and certified public accountant an otherwise stellar financial track record.
The actions and inactions of XXXX XXXX constitute violations of the Texas Debt Collection Act ( TDCA ), which importantly defines a debt collector to include not only to third-party debt XXXXollectors but also direct creditors such as XXXX XXXX here. See Tex. Fin. Code 392.001 ( 6 ). XXXX XXXX has violated the TDCA by : representing to the credit bureaus that my client is willfully refusing to pay a non-disputed consumer debt when the debt is in dispute and my client has notified XXXX XXXX of the dispute in writing ( Tex. Fin. Code 392.301 ( 3 ) ) ; attempting to collect interest, charges, and fees incidental to the obligation without an agreement between my client and XXXX XXXX authorizing such interest, charges, and fees ( Tex. Fin. Code 392.303 ( 2 ) ) ; collecting or attempting to collect after XXXX XXXX received written notice from my client that the check, draft, or payment was unauthorizedand even after my client provided XXXX XXXX his report of the unauthorized account and charges to law enforcement ( Tex. Fin. Code 392.303 ( 3 ) ) ; and misrepresenting the character, extent, or amount of a consumer debt ( Tex. Fin. Code 392.304 ( 8 ) ). XXXX XXXX violations of the TDCA subject XXXX XXXX to liability not only for my clients actual damages but also attorneys fees, exemplary damages, and statutory damages. The TDCA is a Texas Deceptive Trade Practice Act ( DTPA ) tie-in statute, meaning that XXXX XXXX violations of the TDCA also constitute violations of the DTPA. Tex. Fin. Code 392.404. Thus, XXXX XXXX could find itself liable to treble actual damages ( which include mental-anguish damages ). XXXX XXXX should also be aware that each violation of the Texas Debt Collection Act constitutes a criminal misdemeanor punishable by fines. These remedies available to my client are in addition to the remedies available to my client against XXXX XXXX and XXXX for their grossly negligent conduct that created this problem in the first place. Moreover, XXXX XXXXXXXX is directly liable to my client for the negligent, grossly negligent, and fraudulent acts by XXXX pursuant to the Truth in Lending Act ( TILA ) and Regulation Z. See, e.g., 12 C.F.R. 1026.12 My client has suffered significant economic and emotional harm because of XXXXXXXX XXXX and XXXX actions and inactions. My clients economic damages include, but are not limited to, the time he lost trying to resolve the fraudulent account and the damage to his credit reputation. My client also has and continues to suffer severe humiliation, XXXX, and XXXX XXXX since the XXXX XXXX first began fraudulently reporting the accountlet alone the delinquent accountto the credit bureaus. The loss of his credit reputation and lost time has caused my client sleeplessness, loss of appetite, and a strained relationship with his family. Accordingly, on behalf of my client, demand is hereby made that within 60 days of receiving this letter, XXXX XXXX and XXXX pay, jointly and severally, the following amount to compensate my client for the damages XXXX XXXX and XXXX have caused : 1. {$25000.00} for economic damages suffered by my client ; 2. {$25000.00} for mental anguish damages suffered by my client ; and 3. {$1500.00} for legal expenses, including attorneys fees.
In addition, I demand that XXXX XXXX immediately : ( i ) permanently close the account in question; ( ii ) permanently remove all interest and late fees applied to the account; ( iii ) cease reporting negative credit activity to the credit bureaus regarding the account; and ( iv ) take all actions necessary for the credit bureaus to remove all information related to the fraudulent account and fraudulent charges.
Please understand that we bring this demand in the spirit of compromise. According to our analysis, our demand represents a tremendous savings to you given XXXXXXXX XXXX and XXXX potential exposure to my client. We hope you view this demand as a good faith, conservative effort on our part to resolve this potential litigation expeditiously on amicable terms.
We trust you will immediately respond, in writing, to this formal demand letter and comply with all demands made herein within the timeframes specified. If you have any questions regarding this matter or need additional information, please contact me or have your attorney contact me.
Very truly yours, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Telephone : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX cc : XXXX XXXX XXXX XXXX ( XXXX ) cc : Federal Trade Commission ( via additional online complaint ) cc : Consumer Protection Financial Bureau ( via additional online complaint ) cc : XXXX ( online dispute and Priority Mail ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( online dispute ) cc : TransUnion ( online dispute and Priority Mail ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) )
|
| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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|
The CFPB is the Fiduciary for ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. Creditors are using my nonpublic information without my consent which is Identity Theft. According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my credit report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Congress has already said none of these EXCLUSIONS listed above should appear on my Consumer Credit Report. Please DELETE IMMEDIATELY!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following
findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information on Credit Report and Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute several items of incorrect information on my credit report and to bring to your attention the potential violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ).
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. The following personal information is incorrect Employers : XXXX XXXX 9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXX XXXXXXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The following account is not mine XXXX XXXX - XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
17. The following account is not mine XXXX XXXX - XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
18. The following account is not mine XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
19. The following account is not mine XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
20. XXXX XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
21. The following account is not mine XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
22. The following account is not mine XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
23. The following account is not mine XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
24. The following account is not mine XXXX XXXX XXXX XXXX
Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
25. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX In addition to the above disputes, I have identified potential violations of the following consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate reporting of personal information.
Failure to conduct a reasonable investigation into the disputed information within the required time frame.
Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized inquiries on my credit report.
Failure to provide verification and validation of debts.
Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) : Failure to properly handle and respond to disputes within the specified time frame.
Failure to notify all furnishers of disputed information.
Violations of the Truth in Lending Act ( TILA ) : Failure to provide accurate and complete disclosure of terms and conditions of loans or credit accounts.
Violations of the Real Estate Settlement Procedures Act ( RESPA ) : Failure to provide accurate and timely disclosure of settlement costs and other pertinent information.
Violations of the Equal Credit Opportunity Act ( ECOA ) : Discrimination based on protected characteristics in the extension of credit.
Violations of the Fair Credit Billing Act ( FCBA ) : Failure to investigate and correct billing errors within the specified time frame.
I kindly request that you thoroughly investigate and address each disputed item and alleged violation within 30 days, as required by the FCRA. Additionally, please provide me with a detailed response outlining the actions taken to rectify the disputed information and address the potential violations.
Enclosed with this letter, please find supporting documentation, including copies of the credit report highlighting the disputed items, relevant correspondence, and any other pertinent information.
As a consumer protected by federal and state laws, I ex
pect full compliance with the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. Failure to comply may result in legal action to protect my rights and seek appropriate remedies.
Please note that this letter is not intended as an exhaustive list of all potential violations. I reserve the right to bring forward additional violations and disputes as I continue to review my credit report and related documentation.
I kindly request written confirmation of the receipt of this letter and the initiation of the investigation into the disputed items and alleged violations.
Thank you for your immediate attention to this matter. I trust that you will handle this dispute and the alleged violations with the utmost professionalism and in compliance with all applicable laws.
Sincerely, XXXX XXXX XXXX
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| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am writing to have the following information removed from my credit file. The items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the identity theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in 2004. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : 15 U.S.C. 1681 Section 615 15 U.S.C. 1681m Section 603 15 U.S.C. 1681a Section 616 15 U.S.C. 1681n Section 604 15 U.S.C. 1681b Section 617 15 U.S.C. 1681o Section 605 15 U.S.C. 1681c Section 618 15 U.S.C. 1681p Section 605A 15 U.S.C. 1681c-1 Section 619 15 U.S.C. 1681q Section 605B 15 U.S.C. 1681c-2 Section 620 15 U.S.C. 1681r Section 606 15 U.S.C. 1681d Section 621 15 U.S.C. 1681s Section 607 15 U.S.C. 1681e Section 622 15 U.S.C. 1681s-1 Section 608 15 U.S.C. 1681f Section 623 15 U.S.C. 1681s-2 Section 609 15 U.S.C. 1681g Section 624 15 U.S.C. 1681t Section 610 15 U.S.C. 1681h Section 625 15 U.S.C. 1681u Section 611 15 U.S.C. 1681i Section 626 15 U.S.C. 1681v Section 612 15 U.S.C. 1681j Section 627 15 U.S.C. 1681w Section 613 15 U.S.C. 1681k Section 628 15 U.S.C. 1681x Section 614 15 U.S.C. 1681l Section 629 15 U.S.C. 1681y
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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The CFPB is the Fiduciary for ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. Creditors are using my nonpublic information without my consent which is Identity Theft. According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my credit report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Congress has already said none of these EXCLUSIONS listed above should appear on my Consumer Credit Report. Please DELETE IMMEDIATELY!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( XXXX ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The CFPB is the Fiduciary for ALL of the CRAs and it my understanding that the CFPB will be forwarding ALL this inaccurate information which the CRAs continue to place onto my credit report.
I have tried to resolve this matter several times but to no avail. The CRAs and Creditor continue to report inaccurate information on my credit report. Creditors are using my nonpublic information without my consent which is Identity Theft. According to 15 USC 1681a - FCRA Congress has made it very clear that there are some things that should not be reporting on my credit report.
15 U.S. Code 1681a Definitions ; rules of construction ( d ) Consumer Report ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; *The transactions are between me and the company. The person making the report is the company. Because they are defined as the person as the corporation. Right? But where does the transaction go? When you go to apply for a loan, thats a transaction. If the company is reporting me 30 days late, isnt that a transaction? Isnt that an experience? If theres a charge off on my report isnt that an experience. If a have a collection account on my consumer report isnt that an experience or transaction? The answer is YES!!!!
Congress has already said none of these EXCLUSIONS listed above should appear on my Consumer Credit Report. Please DELETE IMMEDIATELY!
The Credit Bureaus did not conduct a proper " investigation '' according to the FCRA 15 USC 1681 which is a Violation. This was never done!! The CRAs are supposed to notify me of who they interviewed after the investigation is over. Just like the FBI conducts interviews of your neighbors request information concerning me meaning investigative consumer report this is what suppose to be done but never is.
( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681c-2 Block of Information resulting from Identity Theft On numerous occasions tried to resolve this issue with CRAs but to no avail. These entities did not have my consent to share my nonpublic information. Per 15 USC 6802 Obligations with respect to disclosures of personal information. I was never given Notice from these entities that my nonpublic personal information would be disclose to nonaffiliated third party. Also, these entities did not clearly and conspicuously disclose to me in writing or in electronic form. I was never provided their company policies of the disclose and collection of my nonpublic information.
I have identified these items circled in RED ink as a result of Identity Theft using my nonpublic information without my consent is Identity Theft.
When I have requested these accounts be Blocked and Deleted I received respond from the CRA stating ( A ) the information was blocked in error or a block was requested by the consumer in error ; The CRAs cant speak for me and it wasnt in error I have provided the Law of the violation.
( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or. Where is the evidence or material misrepresentation Provide my with Proof The CRAs are only proving words that not proofing anything and theyre violating my Rights.
( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. The CRAs doesnt have first-hand knowledge of anything and their making False Claims 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
CRAs are not respecting consumers Right to Privacy and they have GRAVE responsibility and assume a Vital role in assembling and evaluating consumer credit and other information on consumers. I have lost confidence in the system because the system isnt working for me. The CRAs and Creditors are constantly violating my rights to Privacy.
I never gave Permission 4 Day Block and Remove method No Consent equal Identity Theft I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
If any Creditor state, they had my consent please sign have the entity to sign an AFFIDAVIT under the penalty of perjury.
CRA 's continue to report inaccurate information on my credit report when they are supposed to ensure information on my report is 100 % accurate according to FCRA. CRA 's comes back and state account " VERIFIED '' they are taking the Creditor word instead of conducting their own independent investigation outside of the investigation being completed by the Creditor or Debt Collector. So, the CRA is not supposed to reply on the information being supplied by the furnisher.
My credit report states the facts of all inaccurate information thats circled in red ink. The CRAs are not in compliance and violating the FCRA. The CRAs are committing ID THEFT by continue to report old addresses which are not my current address where I reside.
I DONT CONSENT TO e-Oscar VERIFICATION!
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
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| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To Whom It May Concern : I am communicating with you directly as requested regarding concerns/ issues with my credit report. This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Unapproved Inquiries Please be aware the following inquiries are plaguing my report. I have communicated with the agencies whom I believe to be responsible for this violation. I have not received any correspondence for the following accounts below. Please remove these adverse inquiries immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a TYPE OF ISSUE Information belongs to someone else manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual.
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information.
The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency.
The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX -This is not my name. Delete it immediately from my report.
XXXX. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. Validate Account XXXX XXXX Account Number : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. Validate Account XXXX XXXX XXXX
Account XXXX : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX Account XXXX : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible.
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in XXXX Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at www.consumerfinance.gov/learnmore when they are issued. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at www.consumerfinance.gov. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section XXXX ( b ) ( XXXX ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnishes information to one or more CRAs must report this fact when it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the same delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection, charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
Duties of Financial Institutions When Reporting Negative Information Financial institutions that furnish information to nationwide consumer reporting agencies, as defined in Section 603 ( p ), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623 ( a ) ( 7 ). The Consumer Financial Protection Bureau has prescribed model disclosures, 12 CFR Part 1022, App. B.
Duties When Furnishing Medical Information A furnisher whose primary business is providing medical services, products, or devices ( and such furnishers agents or assignees ) is a medical information furnisher for the purposes of the FCRA and must notify all CRAs to which it reports of this fact. Section 623 ( a ) ( 9 ). This notice will enable CRAs to comply with their duties under Section 604 ( g ) when reporting medical information.
Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
The Consumer Financial Protection Bureau website, www.consumerfinance.gov/learnmore, has more information about the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. : Section 603 Section 604 Section 605 Section 605A Section 605B Section 606 Section 607 Section 608 Section 609 Section 610 Section 611 Section 612 Section 613 Section 614 15 U.S.C. 1681 15 U.S.C. 1681a 15 U.S.C. 1681b 15 U.S.C. 1681c 15 U.S.C. 1681c-1 15 U.S.C. 1681c-2 15 U.S.C. 1681d 15 U.S.C. 1681e 15 U.S.C. 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
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| 11/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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NOTICE : Filing on behalf of XXXX XXXX XXXX not XXXX XXXX this is identity theft and creation of an dead person or entity that does not exist.
NOTICE TO THE CREDIT BUREAUS XXXX, XXXX, TRANSUNION, WE NOTICE THAT SOMEONE WITHIN YOUR AGENCY ARE WORKING FOR THE PARTIES AT SUIT.
To ; CFPB we reviewed the responses by the credit agencies and none answered the questions of 1. how is this a Security and a mortgage at the same time. Rather they assumed that i said within my complaint that i signed an agreement with XXXX XXXX and XXXX XXXX XXXX when this is a lie. 2. All three credit agencies stated that i have a mortgage signed with XXXX XXXX and XXXX XXXX XXXX when this is false also. My purchase of my home was with a different mortgage company not with either XXXX XXXX or XXXX XXXX XXXX. They also stated that they agreed with the two XXXX XXXX and XXXX XXXX XXXX that there is a mortgage and that they had the right to file on my credit history 60 days after i purchased my home with XXXX XXXX XXXX XXXX XX/XX/2018 so how is this apart and correct or connected with XXXX XXXX or XXXX XXXX XXXX. This is fraud and i shall add you to the lawsuit once its filed if this is not removed from my credit history.
I iam XXXX XXXX XXXX am in sound mind made the decision to address this issue without anyone pushing me. i XXXX XXXX XXXX in sound mind and body purchased a home from XXXX XXXX and not from XXXX XXXX XXXX nor XXXX XXXX. They have intruded upon my privacy and falsely claimed that i somehow met with either corporation and purchase a home from them. Without verification and validation the credit agencies seemed to agree with the two unknown agencies XXXX XXXX XXXX whom are extorting me and XXXX XXXX whom somehow acquired an illegal mortgage without my consent nor knowledge of.
They claim i XXXX XXXX XXXX in sound mind and body owe them money but would not express what type of currency is due or owed. When all the Banks and Corporations herein this matter did not responded to my cease and desist notice asking how was the funds created and where did the funds come from? They failed to answer. When i asked how did they obtain my private information they failed to answer. Rather somehow they shared some information with the Three credit agencies and they agree that their is a mortgage debt due but did not share this information that is supposed to be my private information with me XXXX XXXX XXXX in sound mind and body. For this i am filing a small claims law suit against all three in the amount of {$5000.00}. For two out of the three have been breached for identity thieves to gain access to my private information. As well they seem to agree with XXXX XXXX or XXXX XXXX XXXX whereas i have not obligations nor a contract with. I never met with anyone from either company as well i have never signed nor agreed to my property becoming a mortgage to be sold as a security instrument rather it is impossible for a security instrument to be a mortgage. It can only be one, a mortgage or an security instrument. For if the instrument was secured there could be no debt.
Therefore when they could not and did not answer as in i set up correspondence with the CEO of both agencies banks or corporations and they failed to answer within the allotted thirty days. So they received a Failure to Respond notice. According to the FDCPA they must have validated the alleged mortgage or security instrument before answering. They have failed to do so, rather somehow all three credit agencies claim that i XXXX XXXX XXXX a woman in flesh and blood signed a contract with XXXX XXXX XXXX and XXXX XXXX and this is a lie. They also assumed that i am in some agreement to buy a home from either corporation and or agency and this is also a lie. They stated within their response false accusations without verifying facts nor evidence. None of this alleged information was shared with me that was shared with all three credit agencies and this is fraud.
They also lied within their response that i made mention that i had signed or purchased my home from XXXX XXXX XXXX or XXXX XXXX and this is also slander and libel for they said it and wrote it and placed it within the CFPB website making it public record. False and fraud is this information.
To the CEOs whom never responded : ill give you proper due process to respond within the next thirty days [ 30days ] to verify and validate this alleged mortgage, and proved me with the evidence written documents according to FOIA freedom of information act, which is The basic function of the Freedom of Information Act is to ensure informed citizens, vital to the functioning of a democratic society. This information was kept from me as all three credit agencies acted as if they shared the same information that XXXX XXXX and Fannie Mae shared with them, i have no such information and i am requesting this information asap.
My documents are not third party and are from the original intent to correct my identity when ever someone attempts to use it illegally or without my consent or permission. This is the case right now.
The Credit Bureaus Company 's Response Thank you for submitting your complaint on XX/XX/2018, through the BCFP Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information, including the attachment, you have supplied through the BCFP portal and directly to XXXX. In your complaint, you indicated that your mortgage account was transferred without your consent. You are requesting that the information regarding the new creditor in charge of the mortgage be removed. We are in the process of contacting the disputed data furnishers to verify the accuracy of the information of the accounts with which you disagree. Please note that a reinvestigation may take up to 30 days. Upon completion, the result summary will be provided directly to you. A transferred debt may display on your credit report under the name of the original company or account, and also under the new company or account after it was transferred. An account that displays as transferred indicates that either the debt was bought by another company or the debt was transferred to another account with the same company. A personal credit report, by law, must list all parties that have requested a consumers credit history. According to the Fair Credit Reporting Act, credit grantors with a permissible purpose may inquire about credit information. Requests for your credit history remain on the personal credit report for 2 years. The federal Fair Credit Reporting Act ( the FCRA ) section 604 outlines permissible purposes of consumer reports. The inquiries shown on a credit report are a factual record of the companies who have accessed and reviewed a consumers profile. They are only logged on the report, when in fact, an inquiry was made. A record of this activity, pursuant to federal law, must remain a part of record. Please note that XXXX does not receive a copy of any applications made to credit grantors. You may wish to contact the creditor directly for that information. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : XXXX XXXX XXXX. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX. Thank you for submitting your complaint through the BCFP Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.
I XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap. The records your Exd out does not comply with the XXXX XXXX responded on XX/XX/2018 Company 's Response According to our system, we have not received any previous investigation requests from you in regards to the disputed information. In response to your complaint, an investigation was initiated into XXXX XXXX XXXX # XXXX. Our investigation was completed on XX/XX/18 and XXXX XXXX XXXX # XXXX was verified as being accurately reported, along with your name, social security number and date of birth. The result of our investigation has been mailed to your current address, for your review. It is our position that the processing of your credit file has been in accordance with all applicable laws and, therefore, we are unable to accede to your request for monetary compensation.
I XXXX XXXX XXXX of sound mind and body oppose this statement and stand for it to be false, please provide this report according to the [ FOIA ] Freedom of information act asap.
XXXX XXXX CEO never responded but the CFPB sent this ; After our review, we found that the best agency to help you with your issue is FEDERAL HOUSING FINANCE AGENCY. If you would like to submit your complaint with FEDERAL HOUSING FINANCE AGENCY, contact them directly at XXXX XXXX XXXX or call ( XXXX ) XXXX.
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Account XXXX : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
2. XXXX XXXX Account XXXX : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
3. Account XXXX : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
4. XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX 13. The following personal information is incorrect DATE OF BIRTH : XXXX 14. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 15. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
20. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX 22. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX 23. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX
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| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
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Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - please update late payment all payment was made on time As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - This is not mine - please remove this inaccuracy from my report! As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX of XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXXXXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a XXXX of XXXX violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXXXXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation XXXX a negative account.This information is inaccurate and not reporting XXXX percent accurate which is a violation the account should be deleted iimmediately
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXXXXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXX Account Number : XXXX I have paid as agreed on time this is an error please audit the account and update to paid as agreed XXXX. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 09/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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To Whom It May Concern : I am XXXX XXXX representing MYSELF and I am the consumer in fact and not a third party. I am communicating with you directly as requested regarding concerns/ issues with my credit report.
This letter represents my formal request to again dispute the aforementioned accounts as well as inquiries which are illegally being reported on my account. It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over thirty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed. I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely affects me and is in violation of my rights. Thank you for helping me take this federal matter seriously! Regards XXXX XXXX Accounts Requiring Immediate UPDATING REFLECTING NO LATE PAYMENTS AND PAID IN FULL : XXXX XXXX with Account # XXXX or Acct ending in XXXX is reporting inaccurately Proof that my account was PAID IN FULL and should be updated with no late payments ( SEE ATTACHMENT ) 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, TYPE OF ISSUE Debt was result of identity theft and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ). [ 1 ] ( 3 ) Restriction on sharing of medical information.Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) medical information ; ( B ) an individualized list or description based on the payment transactions of the consumer for medical products or services ; or ( C ) an aggregate list of identified consumers based on payment transactions for medical products or services. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. ( f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. ( g ) The term file, when used in connection with information on any consumer, means all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. ( h ) The term employment purposes when used in connection with a consumer report means a report used for the purpose of evaluating a consumer for employment, promotion, reassignment or retention as an employee. ( i ) Medical Information. The term medical information ( 1 ) means information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to ( A ) the past, present, or future physical, mental, or behavioral health or condition of an individual ; ( B ) the provision of health care to an individual ; or ( C ) the payment for the provision of health care to an individual. [ 2 ] ( 2 ) does not include the age or gender of a consumer, demographic information about the consumer, including a consumers residence address or e-mail address, or any other information about a consumer that does not relate to the physical, mental, or behavioral health or condition of a consumer, including the existence or value of any insurance policy. ( j ) Definitions Relating to Child Support Obligations. ( 1 ) Overdue support. The term overdue support has the meaning given to such term in section 666 ( e ) of title 42. ( 2 ) State or local child support enforcement agency. The term State or local child support enforcement agency means a State or local agency which administers a State or local program for establishing and enforcing child support obligations. ( k ) Adverse Action. ( 1 ) Actions included.The term adverse action ( A ) has the same meaning as in section 1691 ( d ) ( 6 ) of this title ; and ( B ) means ( i ) a denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; ( ii ) a denial of employment or any other decision for employment purposes that adversely affects any current or prospective employee ; ( iii ) a denial or cancellation of, an increase in any charge for, or any other adverse or unfavorable change in the terms of, any license or benefit described in section 1681b ( a ) ( 3 ) ( D ) of this title ; and ( iv ) an action taken or determination that is ( I ) made in connection with an application that was made by, or a transaction that was initiated by, any consumer, or in connection with a review of an account under section 1681b ( a ) ( 3 ) ( F ) ( ii ) of this title ; and ( II ) adverse to the interests of the
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| 05/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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This accounts listed below are more than 10 years old. By law those accounts should be deleted.
1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XXXX 3. XXXX XXXX Credit Card XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX These inquiries are not mines.
Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX-XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXXXXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX XXXX ( G Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXFinance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXFinance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Department & Variety Stores ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXXXXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXXXXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XX/XX/XXXX/XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XX/XX/XXXX XX/XX/XXXXInquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX # XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XX/XX/XXXX/XX/XX/XXXXXXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XX/XX/XXXX/XX/XX/XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XX/XX/XXXX XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XX/XX/XXXXXXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX BANK Inquiry : XX/XX/XXXX Bank XXXX 'S XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XX/XX/XXXX/XX/XX/XXXXXXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XX/XX/XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXXAutomotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX/XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX PL Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous, Not Elsewhere Classified ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Home Furnishings XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX Credit Union ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX Bank
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| 07/05/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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XXXX XXXX Transunion XXXX XXXX XXXX. XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX : Not his/hers 104 : Claims account take-over, fraudulent charges made on account.
The company listed above is reporting inaccurate, outdated, unverified information. These companies are reporting a paid, closed, or satisfied account as open with a balance.
I recently check my credit report and see that INACCURATE, OUTDATED, UNVERIFIED, FRAUDULENT information is being reported to my account. I DEMAND THAT THE ACCOUNTS BE DELETED AND BLOCKED IMMEDIATELY. I have asked you to remove this fraudulent account off my report and you fail to do so. According to the Fair Credit Reporting.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
For your reporting services could fax, mail or email in a fraudulent account.
According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.
This letter will serve as a demand letter to remove accounts if failure to do so i will be force to take legal action required by my county. I sent you a certified package. Enclosed in that package was : A notarized identity theft report, a copy of valid government identification, current copy of my credit file, a letter stating the items werent authorized by me and a request for the items to be BLOCKED. Please also block my name, address, phone number and social security number on file. I do not consent to the release of my information without contacting me first.
Your records will show that over the years I have disputed these items as Not Mine, they dont belong to me.
You have failed provide me the following ; Balance because the creditor claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did they receive monies from an insurance claim that paid off the alleged account balance?
Did they even fund the account or did you?
Did they take tax credits?
Are they the creditor or really just the servicer?
Did they disclose that they were charging you for the insurance premium to protect against asset loss?
Did they get your approval in writing agreeing to the amount of the premium as require by law?
Did they get the insurance payoff prior to charging off the account?
Is the contract creating the account even valid since they lacked full disclosure and equal risk?
Do they even have a certified copy of the original contract bearing both your signature and their authorized representative 's signature?
Can they provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean they get to send you monthly billing statements. They need a full history document ).
A copy of the original Consumer Contract with my Signature on it which you have on file with the accounts listed below under which accrued the alleged debt.
If companies listed is not named as the Creditor on the original contract, then please provide me with the name and address of the original creditor, as well as proof of your authority to represent the creditor or the consumer in this legal matter. An acceptable form of proof would be ; Power of Attorney ; or an assignment letter appointing you as an Assignee for the debt ; or a statement, sworn to, under penalty of perjury, that the debt is valid, and that you are Legally entitled to collect this debt on behalf of the original Creditor.
The name and official title of the person to whom you verified this information with, their company, or the computer based system used for verification. Please also include the date in which you communicated with that individual or the date by which the system was accessed.
As a requisite of validation, please provide an accounting of any money, property named as collateral, insurance or services subject to, or arising out of the transaction, that created this alleged debt obligation.
Please inform me of the date when the account ( s ) were opened.
Please provide records of any payments or other reductions since the last billing statement for the account ( s ) listed.
Please inform me if youve determined that this debt is within the statute of limitations applicable to it?
Please inform me as to whether these agencies have a debt collection license from the state they are in and reporting to. If not, please explain why.
Please Provide the date of their professional license for debt collection, along with the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license, your Tax ID number on the enclosed W-9, the address of the registered agent, and your business registration number issued by the Secretary of States office.
If you provide the requested documentation, I will require at least 10 days investigating the information you provide. During this time, you must cease and desist all collection activity on my report. Do not report negative information to the credit bureaus during this validation period.
If your office does not respond to this validation request within 10 days, all references to this account must be deleted from my credit reports and completely removed from my credit file. If not removed from my file I will be forced to take legal action which your company can be fined $ XXXX for each violation.
Please send a copy of any such deletion request to me.
My intention is to resolve this matter as quickly and as efficiently as possible your attention to this matter and prompt response is appreciated.
I have no knowledge of these accounts, so therefore its in nature. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof of original contract, you must remove the accounts listed below. If you are unable to provide me with a copy of the verifiable proof that you have on file within 10 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
This is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Once those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 )
that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
In the event that your company decided not to block the trade lines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within 5 business days after the reinsertion.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification FAMILY SUPPORT DIV XXXX Code XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account COUNTY OF XXXX XXXX XXXX Code XXXX Unverified Account XXXX XXXX XXXX XXXX Code XXXX Unverified Account XXXX XXXX XXXX XXXX Code XXXX Unverified Account
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| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act XXXX accounts, The following personal information is incorrect.
Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
8. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
9. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
10. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
11. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX Please correct/update this inaccurate information on my credit report.
12. I Was Never Late on this account XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 13. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports BRIDGECREST Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 20. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.
Please forward me an updated credit report after you have completed your Investigation and corrections.
Your cooperation and prompt attention are greatly appreciated.
have violated my rights.
This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { XXXX }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX. continues to report the same account multiple times on my credit report when there should not be multiple accounts displaying on my credit report with same account number but with different dates of opening the accounts and closure dates also different payments that are inaccurate and I have reached out to each company individually about this issue and according to the Fair Credit Reporting Act everything that reflects across a credit bureaus reports they are to report accurately and 100 % fairly but they are in violation with reporting erroneous, obsolete info on my credit report and I keep trying to get it corrected but it seems as if they aren't receiving my letters or just simply ignoring me and it's becoming difficult to obtain credit due to these errors on my credit report that the bureaus and creditors won't properly investigate. I have listed here the accounts that I have been coomplaining about for the past 6 months or more only for them to remain on my credit report.
1. The following personal information is incorrect Account Number : Name : XXXX XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX 5. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 6. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 7. Under 15 U.S.C. 1681i paragraph ( 5 ) any info XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. Under 15 USC 1681 ( a ) Congressional findings and statement of purpose XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
9. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : This is an actual warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you many notices to reinvestigate the information previously disputed. I have attached my previous items for you to revisit.
The computer-generated response I received is unacceptable and my patience is wearing thin. If the information is not immediately reinvestigated and removed, I will have no other choice but to seek legal advice for removal through the court and file complaints with the regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
1. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXXXXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX 5. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 6. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 7. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 8. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 9. Under 15 USC 1681 ( a ) Congressional findings and statement of purpose XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
11. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
12. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
13. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
14. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX XXXX.
Account Number : XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : This is an actual warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you many notices to reinvestigate the information previously disputed. I have attached my previous items for you to revisit.
The computer-generated response I received is unacceptable and my patience is wearing thin. If the information is not immediately reinvestigated and removed, I will have no other choice but to seek legal advice for removal through the court and file complaints with the regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX XXXX. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 6. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 7. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 8. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 9. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 10. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 11. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 12. This inquiry was not authorized under U.S. Code 1681g- Disclosure to consumers XXXX XXXX - XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry as it is more than 2 years old and should not be reflecting on my credit report 13. Under 15 USC 1681 ( a ) Congressional findings and statement of purpose XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
14. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
16. Under 15 U.S Code 1681b permissible purpose of consumers report XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
17. Under 15 U.S Code 1681b permissible purpose of consumers report XXXXXXXX XXXX XXXX XXXXXXXX.
Account Number : XXXX Please remove it from my credit report.
18. XXXX XXXX Account Number : XXXX
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| 01/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In XX/XX/XXXX XXXX placed a one year fraud report on my credit report, after I had a 90 day freeze. In XX/XX/XXXX, XXXX XXXX XXXX XXXX located in Texas, refused all of my disputes and merged my ex husbands credit report with mine. I have filed three complaints against XXXX XXXX XXXX XXXX for illegally, tampering with my credit report for the past 14 months instead of fixing my credit. Considering I have complained starting in XXXX I believe against XXXX and again in XXXX against XXXX and XXXX XXXX, I am not submitting my final complaint and the most vital.
XXXX credit bureau started harassing me back in XX/XX/XXXX. They added fraud alerts whenever they wanted ignoring XXXX. Due to being so scared and stressed I started getting confused. I did everything correctly which means sending letters to all merchants, collection agencies, and credit bureaus. XXXX has been the only one and now Transunion to ignore my letters, police reports all data. They even dismissed me over the phone stating they destroyed my initial FTC report which proved to be a waste of time for someone who had 22 credit cards opened, car loans and every mobil.internet carrier in the state of CT.
I have never had my own mobil phone in my name until XX/XX/XXXX. XXXX provided me with XXXX XXXX and in XXXX, actually the XXXX over a month later provided me with a cell phone plan when my employer transferred my number over to me. Everything was great until XX/XX/XXXX when XXXX merged all of my ex husbands debt onto my credit report the same time, my bill went from {$160.00} to {$800.00} with XXXX. When it was required that I sign something stating I agreed to paying my bills electronically and told unless I signed this document on line I would not be able to see my bill. All done by a company posing as XXXX. I sent four certified letters, and paid XXXX XXXX in full when I learned I only had {$260.00} left on a service that I no longer used. On XX/XX/XXXX, I sent my final certified letter to XXXX stating I paid my bill in full with XXXX XXXX and it was confirmed with three local stores that my account still had phones and a new contract for XXXX XXXX in place for XXXX. That was it. I owe nothing to XXXX. I filed a claim against XXXX due to all of the money they had taken from me with XXXX. I just wanted my money back. These criminals that actually took over my XXXX account broke into every email account, and XXXX my brand new XXXX XXXX phone purchased on XX/XX/XXXX directly through XXXX. The criminals took over my phone and stated it was an XXXX device after crashing the phone so I could not use it. Well, I submitted my documentation to XXXX showing it was my phone and shared the phone number used to purchase. I had no phone plan but these criminals made sure they broke into every device I owned.
I realized it was XXXX XXXX XXXX XXXX along when they started using my documentation I sent to XXXX and XXXX several months after the items were removed from my credit in XXXX when I received a credit report that did not belong to me. They called my ex husband who I stated was abusive and gave him phone number XXXX the very number I had on my police report and assigned to XXXX. I had already proven I had no account with XXXX but they contacted my ex husband and lied to him. I did not care, I did not have any phone plans and every one that was added by XXXX was fraud.
It was not until all of my hard work started to pay off when a bank removed a car that was placed on my credit as fraud. The other car was from XXXX and was also left on my credit by XXXX who changed the date that also was removed at least from XXXX. I am an XXXX Data Breech victim. XXXX was fantastic until my information was stolen and my credit reports stopped coming. I complained to your company about the behavior of XXXX. Each time, I was bullied, and harassed. In XXXX I believe when again I was unable to purchase a car and my phone XXXX by criminals who took over XXXX plan my friend went to XXXX XXXX and we got phones {$130.00} a month. I was scared to have anything in my name due to being harassed and every phone destroyed by these criminals. I had two job offers both I had no clue about due to my emails being stolen and the passwords changed. Phone calls were not sent and all voice mails were not sent to voicemail. I also was not able to finish any of my classes for insurance due to two computers and an ipad taken over by these criminals and I did have virus protection.
Now without a phone, computer and a way to do anything I got very upset. My friend who is like my dad XXXX years old went to XXXX XXXX. That account was taken over and went up to {$380.00}. These criminals sent bills to my friends name but at an address that is fraud and on my credit report. I also had internet and cable with a company that I paid perfectly that ended up on my credit report that was removed I think due to fraud. I only needed a phone for a week after these criminals XXXX my second paid in full brand new phone. When XXXX XXXX was compromised my XXXX year old friend purchased a phone and XXXX so I could finish school at XXXX. When we went to XXXX on XXXX my friend showed me his bank statement that had XXXX but XXXX, and in his email was the mailing lable that was sent suddenly. XXXX was another company placed on my credit that was fraud and removed but XXXX claimed it was still on my credit report with them because XXXX had no idea how to reach me. That alone was fake. That account was long removed and XXXX only had XXXX so how did they suddenly have XXXX an account removed. They took the information I sent to your company showing I had real police reports and used it after the fact.
Since complaining, XXXX XXXX has continued to lock me out of my account and now my payments are getting stolen due to multiple cards. My bank account with XXXX has also been compromised and I had money stolen from XXXX XXXX XXXX which I loved, but again the criminals broke into my internet that I did have and made sure they XXXX the device and my tv. I paid for XXXX XXXX XXXX for me and XXXX year old like a dad. When I learned money was stolen from my XXXX account due to fake XXXX accounts, and XXXX I had enough and filed a dispute.
I have XXXX XXXX now and on Sunday, these criminals sent a person to my home who set the XXXX up after they changed the account number cutting the cable to the XXXX and all service was no longer XXXX it was once again taken over by these criminals. I have had boxes from companies I never had thrown at my door, every phone, internet, hotspot, printer, laptop destroyed to the point that I like I said can't even look for work.
I got XXXX and was sick. I worked on the side to earn extra money but it has been taken away and every phone line broken into. Now, XXXX XXXX a company I love sent this fake bill for services and phones that we don't have. I also have the bill that was sent to XXXX XXXX in my friends name. XXXX has all of these addresses still on my credit report knowing they are fraud. I have been threatened with more identity theft knowing that XXXX created my info on the dark web every time they received a dispute from me.
Today I had enough and when I received a phone call from XXXX XXXX the company I loved but from a women who I dealt with when I was doing freelance work I knew it was a set up. These people that took over my XXXX account and tried to submit to me a fake bill that was not even XXXX letterhead and broke into every claim I sent I knew they were behind it. In the end what they want is for me to say I am now an identity theft victim so they can cover up for all of the fraud and lies they have told. They have played with my emotions and my ex husbands. We are both recovering addicts and I go to a clinic every two weeks at XXXX due to a pill addiction I had at XXXX. I have been clean since XXXX but in an accident which has caused me to take some medication. I have had a very successful career and now want my license back. After spending {$400.00} and having criminals break into every class, changing scores and preventing me from working I am disgusted.
XXXX is the only company I respect. Now they have had my credit compromised and I can't even call them. I have not applied for any credit except for a car at XXXX and XXXX XXXX. That was a set up because XXXX stated I had XXXX XXXX on my credit report as debt owed and again a lie.
I just paid the account all at once and did it without anyone knowing. XXXX XXXX I refuse to pay a company that has criminals working for them that are steeling my money so they can state I pay late and hurt my credit.
I need a car and I want one this week. XXXX approved me XXXX down for a XXXX car low payments. I have the means that is being watched over by my lawyer so no one steel my retirement. XXXX also broke into my pension.
XXXX will receive a signed document from me placing a 7 year fraud alert on my account. XXXX and Transunion can follow them or not. At this time, Transunion has elected to do nothing and partner with XXXX. I mean that Transunion has done nothing to my credit after XXXX placed a fake fraud alert on my file. XXXX please remove XXXX as a creditor. They are not. Account paid in full and XXXX has an account I don't have. Its all fraud. Again, I have no insurance an no inquiries. I now need to get a phone plan and will be staying with XXXX XXXX but not paying {$380.00}.
Please help me. I am going to send one last time a binder of all of my reports etc to each credit bureu. XXXX does not need it but I will send it to them. All binders I refuse to sent to the bureaus because they don't care. I want every address phone number and any inquires removed except for the two I stated.
At this point, I have been emotional destroyed all because of Fraud and XXXX XXXX dishonesty.
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account XXXX
XXXX. XXXX XXXX OF ARIZONA Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXXXXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Arizona XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXX XXXXCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : California XXXX XXXX Divison of consumer complaints Sincerely, XXXX XXXX
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| 03/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
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I have tried to resolve this matter for several months through TransUnion by utilizing the dispute method and guidelines established within 15 U.S.C. 1681, the Fair Credit Reporting Act ( FCRA ). Obviously, my request, rights and guidelines established under the FCRA continue to be ignored and violated by TransUnion. Ive submitted several disputes to TransUnion regarding the seven ( 7 ) accounts/items below found within my TransUnion credit report and requested TransUnion to produce verifiable proof and the method of verification utilized to verify such negative remarks. The seven ( 7 ) negative accounts/items disputed during multiple occasions are : XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ). Pursuant 15 U.S.C. 609 ( c ) ( 2 ) a consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer a statement that a consumer reporting agency is not required to remove accurate derogatory information from the file of a consumer, unless the information is outdated under section 605 or can not be verified, 609 ( c ) ( 2 ) ( E ).
The Black 's Law Dictionary is the most widely used law dictionary in the United States and it is the reference of choice for terms in legal briefs and court opinions. Moreover, it has been cited as a secondary legal authority in many U.S. Supreme Court cases. Therefore, it is only fair and just that we use definitions known to be proven legitimate and trustworthy by the courts. Black 's Law Dictionary ( 8th Edition, 2004 ) defines verify as something to prove to be true, to confirm, establish the truth or truthfulness of ; to authenticate To confirm or substantiate by oath or affidavit, to swear to the truth of. Id. at 1698. It also defines valid as legally sufficient ; binding - validate, verb. Id. at 4811. The Black 's Law Dictionary 9th Edition ( 2009 ) only reinforces such definitions by applying no changes to such, however the reference pages are 1698 and 1690 respectively.
Now that key terms have been defined from a legitimate and trustworthy source utilized on legal procedures by U.S. Supreme Courts ; if TransUnion is verifying such accounts, pursuant 15 U.S.C 609 ( c ) ( 2 ) ( E ) and definitions stated above, TransUnion should be able to validate such accounts by providing legally sufficient, binding, valid contract documents ( verifiable proof ). Additionally, pursuant 611 ( a ) ( 1 ) ( A ), TransUnion must conduct a reasonable investigation for each one of the disputed accounts above. I contacted the TransUnion Consumer Relations on XX/XX/XXXX to express my concerns and inquire on their dispute process since my letters requesting a description of such procedures continued to be ignored. I initially talk to a TransUnion Consumer Relations employee located in the country of XXXX, and upon opening my TransUnion file I was transferred to a TransUnion Specialized Fraud Team employee, also in the country of XXXX. While talking to the TransUnion Specialized Fraud Team employee, she confirmed, within other things, that TransUnion do not conducts any type of investigation on disputes received from consumers. Troublesome as this sounds, the TransUnions Specialized Fraud Team employee explained that once a consumer dispute is received, TransUnions only action is to input the data received from a consumer into a system and subsequently send such data to the required creditor/furnisher for them to agree or disagree with the disputed information. According to the TransUnions Specialized Fraud Team employee, once TransUnion sends the data to the creditors/furnishers it complies and fulfills with the reasonable investigation requirement dictated to be conducted by a Consumer Reporting Agency ( CRA ) under the FCRA.
Additionally, according to the TransUnions Specialized Fraud Team employee, once a computer response is received from the creditor/furnisher, TransUnion merely reflects such information within the consumers credit report/file. Moreover, the TransUnions Specialized Fraud Team employee also confirmed that TransUnion does not requires any documentation from the creditors/furnishers through this process to validate a disputed account. This is hardly reasonable, more less an investigation being conducted by a consumer reporting agency, in this case, TransUnion. Such dispute process strictly violates the FCRA, since TransUnion through its never conducted reasonable investigation is merely parroting the information received from the creditors/furnishers, it never conducts an independent investigation on the disputed accounts, and merely places the burden of its required reasonable investigation and validation on the creditors/furnishers and/or the consumer. These actions do not fulfill the obligations contemplated by the statute. TransUnions reasonable investigations on my disputed accounts/items never took place pursuant the FCRA guidelines since TransUnion didnt conduct a clear validation on such accounts/items, more less an investigation at all. TransUnions method of verification and validation requires, as defined above, to be legally sufficient ; binding, a valid contract,. These items have been requested to TransUnion on multiple occasions as evidenced by the multiple attached certified mail receipts. However, TransUnion have FAILED miserably to fulfill such request, therefore evidencing a FAILED fulfillment of a reasonable investigation or FCRA requirements pursuant 607 ( b ). If the disputed accounts can not be verified by TransUnion, more less validated, such accounts much be promptly deleted from my credit report pursuant 611 ( a ) ( 5 ) ( A ). Subsequently, I was transferred to a TransUnions Specialized Fraud Team supervisor who only supported the facts stated above while continuously confirming that TransUnion do not conduct any investigations or is required to do so by the FCRA. I referenced 611 ( a ) ( 1 ) ( A ) and read the reasonable investigation requirement stated within, however, the TransUnions Specialized Fraud Team supervisor continue to state that I was misinterpreting the FCRA and an investigation by TransUnion was not required under the FCRA.
Pursuant 611 ( a ) ( 6 ) ( B ), I have requested TransUnion to validate such disputed accounts/items on at least ten ( 9 ) occasions through USPS certified mail letters. These letters have all been delivered to TransUnion. The FCRA, 611 ( a ) ( 7 ) requires for TransUnion to provide such validation/information not later than 15 days after receiving a request from the consumer for that description. However, since my fist letter requesting the validation/information procedures on XXXX XXXX, XXXX, such validation/information has never been provided by TransUnion, clearly violating 611 ( a ) ( 6 ) ( B ), 611 ( a ) ( 7 ) and its roles, duties and responsibilities as a CRA under the FCRA. I have also provided TransUnion a copy of my dispute letters sent to the creditors/furnishers, which requested the same or a similar method of verification/validation ( verifiable proof ). However, not a single one of these creditors/furnishers were able to provide, present or fulfill such requirement ; therefore, supporting only the fact that such disputed accounts are UNVERIFIED. Hence, TransUnion continues to ignore such provided evidence, negligently and willfully not pursuing its own required independent investigation, and merely parrots the information received from the creditors/furnishers. The disputed accounts must be deemed UNVERIFIED pursuant guidelines within the FCRA and, therefore, MUST be DELETED from my credit report pursuant 611 ( a ) ( 5 ) ( A ).
Furthermore, pursuant 607 ( b ), TransUnion shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Based on the aforementioned statement and my rights as a consumer to know how the information related to my credit worthiness is being reported, I demand detailed answers to the following eight ( 8 ) questions : 1. How many disputes do TransUnion process daily? ( TransUnion requested answer ) 2. How are 607 ( b ) and 611 ( a ) ( 1 ) ( A ) guidelines being enforced by TransUnion since its reasonable investigation procedures are evidently automated ( computerized ), does not require any verifiable proof by the creditors/furnishers ( confirmed by TransUnion Dispute Department employee ) and TransUnion evidently can not either provide a copy of the instrument of indebtedness or verifiable proof on the disputed accounts? ( TransUnion requested answer ) 3. What are TransUnions steps followed upon receiving a dispute from a consumer to include XXXX steps and codes? ( TransUnion requested answer ) 4. Where are TransUnion dispute steps being conducted ( country location )? ( TransUnion needed answer ) 5. How does the TransUnion dispute process ensure consumers dispute due process if no documentation is requested from the creditors/furnishers to ensure proper validation of disputed accounts? ( TransUnion requested answer ) 6. Why do TransUnion continue to negligently and willfully violate my rights as a consumer and guidelines established under the FCRA? ( TransUnion requested answer ) 7. Why TransUnion continues to FAIL on complying with its duties, roles and responsibilities as a CRA in accordance with the FCRA as established by the U.S. Congress under 15 U.S.C. 1681? ( TransUnion and CFPB requested answer ) 8. What will be the penalties imposed by the Consumer Financial Protection Bureau ( CFPB ) if TransUnion continues to violate my rights as a consumer and the guidelines established under the FCRA? ( CFPB requested answer )
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| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 To Whom It May Concern : NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT I have certified mail this document. My XXXX POSTASTAL SERVICE certified mailing tracking number is ( XXXX ) followed by a return slip via postal mail. My XXXX tracking number is ( XXXX ) I recently received a copy of my consumer report, and I noticed some late payments posted on my credit report I have never missed a payment in the month of XX/XX/2022 or any months after. Pleas update the month of XXXX to either ON TIME, NO DATA/DATA UNAVAILABLE, or DELETE ACCOUNT altogether : Creditor Name : XXXX XXXX Account number : XXXX The information regarding this account is inaccurate because I dont have a contract with this company. This is a fraudulent account. This needs to be deleted immediately because it is detrimental to my Credit report and score.
The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.
Did I give you written instruction to furnish this on my credit report?
Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this tile, any- ( i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i.
Creditor Name : XXXX XXXX XXXX XXXX Account number : XXXX The information regarding this account is inaccurate because I dont have a contract with this company. This is a fraudulent account. This needs to be deleted immediately because it is detrimental to my Credit report and score.
The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.
Did I give you written instruction to furnish this on my credit report?
Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) Subject to section 1681s-3 of this tile, any- ( ii ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i.
Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this account on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX Enclosed : copy of ID and Utility Bill showing proof of address Under federal law, you have ( 30 ) days to complete your re-investigation. I am requesting that you RE-INVESTIGATE those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the re-investigation was conducted along with the name, address, and telephone number of anyone contacted for information.
This letter is a formal complaint that you are inaccurate and incomplete credit information.
15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure Maximum possible accuracy of the information concerning the individual about whom the report relates.
Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account.
I demand to see verifiable PROOF ( i.e an original consumer contract with my signature on it ) that you have on file for the account ( s ) listed below. Or a CERTIFICATION from the creditor that certified the accuracy and completeness of the information/account.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be DELETED and if you are unable to provide me a copy of verifiable proof, you must DELETE the account listed below.
I demand that the following account ( s ) be validated or DELETED immediately : Creditor Name : XXXX XXXX Account number : XXXX The information regarding this account is inaccurate because I dont have a contract with this company. This is a fraudulent account. This needs to be deleted immediately because it is detrimental to my Credit report and score.
The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.
Did I give you written instruction to furnish this on my credit report?
Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( C ) Subject to section 1681s-3 of this tile, any- ( iii ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i.
Creditor Name : XXXX XXXX XXXX XXXX Account number : XXXX The information regarding this account is inaccurate because I dont have a contract with this company. This is a fraudulent account. This needs to be deleted immediately because it is detrimental to my Credit report and score.
The following supporting documents are enclosed for your review : 1. Identity Theft Report 2. CARES ACT Your company is in clear violation of the law. Under 15 US C 1681b permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.
Did I give you written instruction to furnish this on my credit report?
Furthermore, the fair credit reporting act 15 USC 1681b ( 2 ) ( a ) ( 1 ) Exclusion from a consumer credit report clearly states : ( 2 ) EXCLUSIONS -- Except as provided in paragraph ( 3 ), the term consumer report does not include ( D ) Subject to section 1681s-3 of this tile, any- ( iv ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.
Delete the above late payments from any consumer report, this agency is in violation of 15 USC 168i.
Under federal law, you have ( 30 ) days to complete your re-investigation. I am requesting that you RE-INVESTIGATE those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the re-investigation was conducted along with the name, address, and telephone number of anyone contacted for information.
My full name is XXXX XXXX ___________________________________ Beneficiary, XXXX, Secured-party to the Social Security XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX & acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX & acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX account # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct # XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX acct XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602A states that I have the right to privacy.
15 U.S.C 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 10/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
Servicemember |
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RE : Member ID XXXX Consumer Lending and UDAAP Violations.
My XXXX Member is XXXX, and I was the victim of identity theft. In response to this identity theft and fraudulent activity, XXXX took adverse action which affected all my accounts held with XXXX. This included 3 credit card accounts, a checking and savings account, auto and renters insurance, my auto loan, and a certificate of deposit account.
The purpose of the FCRA is " to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, about the confidentiality, accuracy, relevancy, and proper utilization of such information. The FCRA outlines a consumer 's rights in relation to his or her credit report, as well as permissible uses for credit reports and disclosure requirements. In addition, the FCRA imposes a duty on consumer reporting agencies to ensure that the information they report is accurate, and requires persons who furnish information to ensure that the information they furnish is accurate.
While XXXX was repeatedly notified, I was the victim of identity theft and provided many acknowledgments to this fact, they have continued to provide fraudulent and negative data to the CRAs associated with the identity theft.
The FACT Act, signed on XX/XX/XXXX, includes, inter alia, a number of amendments to the Fair Credit Reporting Act aimed at preventing identity theft and assisting victims. Generally, these new provisions mirror laws passed by state legislatures and create a national standard for addressing consumer concerns with regard to identity theft and other types of fraud.
In addition to the fraud alert, victims of identity theft may also have information resulting from the crime blocked from their credit reports. After the receipt of appropriate proof of the identity of the consumer, a copy of an identity theft report, the identification of the allegedly fraudulent information, and a statement by the consumer that the information is not information relating to any transaction conducted by the consumer, a consumer reporting agency must block all such information from being reported and must notify the furnisher of the information in question that it may be the result of identity theft. Requests for the blocking of information must also be referred to other consumer reporting agencies.
Victims of identity theft are also allowed to request information about the alleged crime. A business entity is required, upon request and subject to verification of the victim 's identity, to provide copies of application and business transaction records evidencing any transaction alleged to be a result of identity theft to the victim or to any law enforcement agency investigating the theft and authorized by the victim to take receipt of the records in question.
I made requests to block all fraudulent information being furnished by XXXX in connection with the identity theft incident. However, XXXX verified the fraudulent information with the CRAs resulting in it not being removed from my credit reports.
The Fair Credit Billing Act ( FCBA ) provides consumers with an opportunity to receive an explanation and proof of charges that may have been made by an impostor and to have unauthorized charges removed from their accounts. The purpose of the FCBA is " to protect the consumer against inaccurate and unfair credit billing and credit card practices. '' The law defines and establishes a procedure for resolving billing errors in consumer credit transactions. For purposes of the FCBA, a " billing error '' includes unauthorized charges, charges for goods or services not accepted by the consumer or delivered to the consumer, and charges for which the consumer has asked for an explanation or written proof of purchase.
Under the FCBA, consumers can file a claim with the creditor to have billing errors resolved. Until the alleged billing error is resolved, the consumer is not required to pay the disputed amount, and the creditor may not attempt to collect, any part of the disputed amount, including related finance charges or other charges. The act sets forth dispute resolution procedures and requires an investigation into the consumer 's claims. If the creditor determines that the alleged billing error did occur, the creditor is obligated to correct the billing error and credit the consumer 's account with the disputed amount and any applicable finance charges.
On XX/XX/XXXX Pursuant to Section 609 ( e ) of the Fair Credit Reporting Act I once again formally notified XXXX that I was a victim of identity theft and requested all records from each account adversely affected. This request was ignored and none of the requested information has been provided.
In XXXX the OCC issued a consent order and fined XXXX for the following violations : ( 1 ) The Bank has failed to implement and maintain an effective compliance risk management program and an effective IT risk governance program commensurate with the Banks size, complexity, and risk profile. The Bank has deficiencies in all three lines of defense ( first-line business units, independent risk management, and internal audit ) in its compliance risk management program.
( 2 ) As a result of the deficiencies described in Paragraph ( 1 ) above, the Bank engaged in violations of law, including but not limited to violations of the Military Lending Act and the Servicemembers Civil Relief Act. Such violations are being remediated pursuant to Article VI of the XXXX Order.
( 3 ) By reason of the foregoing conduct, the Bank engaged in unsafe or unsound practices and violations of law, which were part of a pattern of misconduct.
Summarizing applicable Standards for UDAAPs Unfair Acts or Practices, the XXXX XXXX prohibits conduct that constitutes an unfair act or practice. An act or practice is unfair when : It causes or is likely to cause substantial injury to consumers ; The injury is not reasonably avoidable by consumers ; The injury is not outweighed by countervailing benefits to consumers or the competition.
The FCRA, by contrast, defines adverse action more broadly to include section 701 ( d ) ( 6 ) of ECOA. Denial or cancellation of, an increase in any charge for, or a reduction or other adverse or unfavorable change in the terms of coverage or amount of, any insurance, existing or applied for, in connection with the underwriting of insurance ; A denial or cancellation of, an increase in any charge for, or any adverse or unfavorable change in the terms of a government license or benefit ; or in connection with account review that is adverse to the consumers interests.
XXXX routinely made statements in direct opposition to the statutes and regulations mentioned above. Upon contacting XXXX, I was repeatedly told I needed to speak to XXXX. I left hundreds of messages for XXXX and her manager all of which were never returned. The only response I would receive was vague and ambiguous statements made by XXXX, oftentimes which had no bearing on the concerns raised and violation notices brought to the attention of XXXX. XXXX made false and accusatory statements pointing blame at me, the cardholder, and illegally ignored their legal obligations.
XXXX has become known for its many unfair, deceptive, and abusive acts. While it has become the case rather than the exception for XXXX to violate its member 's rights. XXXX failure to comply with XXXX, UDAAP, FCRA, and the cardmember agreement led to the adverse actions taken by XXXX, XXXX furnishing negative and fraudulent date to the Credit Reporting Agencies, as well as selling off a fraudulent debt to third party debt collectors in clear violation of the above statutes as well as the Military Lending Act.
I would appreciate your prompt attention and direct response to EACH of the following issues in detail : XXXX inability to refund fraudulent transactions promptly XXXX providing final credits to my CC accounts and the illegal decision to reverse the credits issued for the fraudulent transactions XXXX closing restricting my account access in connection with the fraudulent activity reported o If the adverse actions were not due to the reported identity theft, a detailed explanation for the restriction to my online access, closure of all my accounts, and fraudulent furnishing of data to the CRAs.
o To date the only explanation XXXX has provided is to say they have decided no longer to do business with me for banking violations. No detailed examples or explanations have been provided as legally required. I require a detailed explanation.
XXXX refusal to provide physical credit card statements, loan statements, account ledgers, or brief refusal to accept payments from external accounts for my auto loan.
XXXX illegally, selling the debt accrued as a result of fraud to 3rd party debt collectors.
XXXX marketing the XXXX credit secure and id theft and monitoring service as a professional service to help recover ones identity when stolen. This is not an accurate portrayal, as I paid for this service but received no such help.
With regards to my most recent auto loan XXXX failing to provide an account ledger to date, accurate billing statements, account origination and loan documents, and all other legally required documents.
I appreciate your prompt attention to these many issues. I would ask you to FULLY and ACCURATELY reply to EACH of these issues raised above, in full detail. This has yet to be completed by XXXX, who often fails to even comment on any issues and has always failed to provide a legally required, complete, and detailed explanation for the account closures and adverse action.
Regards, XXXX XXXX
|
| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Subject : Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal - Legal Violations Regarding Consumer Profile I hope this NOTICE finds you well. I am writing to address a matter of utmost significance regarding the improper use of my consumer profile, leading to potential discrimination from other collection agencies based on inaccurate credit reporting. It is crucial that all companies listed herein, rectifies these issues promptly in accordance with applicable laws and regulations.
The foundational principle, Notice to Principal is Notice to Agent and Notice to Agent is Notice to Principal, deeply embedded in legal doctrine, serves as the bedrock for addressing the violation at hand. Title 15, Section 1692c ( 15 U.S.C. 1692c ) of the United States Code establishes explicit limitations on communication in connection with debt collection. These limitations prohibit debt collectors from communicating about a consumers debt to third parties unless under specific circumstances, such as with the consumers consent or for the purpose of locating the consumer.
In conjunction with these provisions, it is imperative to comprehend the concept of permissible purpose as defined in 15 U.S.C. 1681b. This section delineates the legitimate reasons for obtaining and using consumer reports, ensuring that creditors have a valid and authorized basis for accessing and utilizing a consumers credit information. Violating this principle arises when a creditor sells a debt without a permissible purpose, raising significant concerns about the legality of such actions.
The violation extends beyond the boundaries of the Fair Debt Collection Practices Act ( FDCPA ). While the FDCPA primarily applies to third-party debt collectors, original creditors, such as all companies listed herein, must also adhere to other applicable laws and regulations. The Truth in Lending Act ( TILA ), specifically TILA Violation 1026.9, mandates adequate notice of the sale of debt. The absence of such notice constitutes a violation of TILA, compounding the severity of the violation.
False and misleading representations regarding the debt directly contravene Section 807 of the FDCPA. This provision explicitly prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt. Such practices undermine the rights and protections afforded to consumers under the FDCPA.
Additionally, the responsibilities of furnishers of information to consumer reporting agencies, as outlined in 15 U.S.C. 1681s2, place all companies listed herein, in the category of a furnisher. The law expressly prohibits furnishing incorrect or inaccurate information. Specifically, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) stipulates that continued reporting of proven inaccurate information constitutes a clear violation of the law. All companies listed herein negligent and inaccurate reporting has caused severe harm, infringing upon my rights as governed by these laws.
It is imperative that all companies listed herein, comprehends the gravity of its actions and the potential consequences. Ignorance of the law is not an excuse, especially when violating consumer rights. This communication serves as a final opportunity for all companies listed herein, to rectify this situation promptly. Failure to comply will result in legal action being taken against your company for violating my rights and displaying negligence in its practices.
In conclusion, the violation of selling a debt without a permissible purpose is a serious matter that infringes upon the rights and protections afforded to consumers. The relevant sections of the United States Code, such as 15 U.S.C. 1692c, 15 U.S.C. 1681b, and 15 U.S.C. 1681s2, provide the legal framework governing these violations. As a creditor, [ Companys Name ] must acknowledge its obligations, rectify the inaccurate information on my consumer report, and ensure such violations do not recur. Failure to act accordingly will result in legal consequences for your company.
The Emergency Banking Act of 1933 and subsequent proclamations aimed to stabilize the banking system during the Great Depression, but they didn't eliminate money. Instead, they provided mechanisms for the government to regulate and control the flow of money. The concept that there is " no money '' often relates to arguments about the nature of currency and the gold standard. However, it's important to note that the U.S. has transitioned to a fiat currency system, where money is not directly backed by a physical commodity.
Article I, Section 10 of the Constitution does state that no state shall make anything but gold and silver coin a tender in payment of debts.
While there have been historical events, such as President Roosevelt 's Executive Order 6102 in 1933, which required U.S. citizens to turn in their gold coins, these actions were specific responses to economic challenges and a lack of money in the broader sense. After this period, the U.S. transitioned to a fiat currency system, where money is not backed by a physical commodity like gold. So there can be no obligation on any debt.
Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I contacted these credit bureaus to investigate remove the Inaccurate and improper account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature they have not been able to provide such proof to me. This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can not be supported by any evidence or proof. 15 USC section 1692f, 15 usc 1681b, 15 usc 1681 section c. 15 u.s. code 1681 ( a ) states i have a right to privacy which i am govern under these laws. I the good faith creditor also exercises all of my right and i have not and has never given any debt collector acting as a creditor permission to furnish false information on my consumer report. Without Prejudice ignorance of the law is no excuse.
Accounts Affected by the Crime Reservation of rights and without prejudice.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors ( B ) Reporting information after notice and confirmation of error A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Definitions A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty- Prohibition- the act of prohibiting by authority, an order to restrain or stop, often capitalized a law or regulation forbidding something.
Accurate- the honesty agreeing and practicing standards of due diligence. Financial statements are verified for correctness. Refer to precise.
Inaccurate- means incorrect or misleading in any matter of fact. FDCPA SECTION 807 IRS PUBLICATION 4681 ( 2022 ) As defined by the IRS even if you didnt receive a form 1099 C you must report canceled debt as gross income on your tax return.
As a technical term of the law. duty signifies a thing due ; that which is due from a person ; that which a person owes to another. A moral or legal obligation to do a thing.
Such practices undermine the integrity of the debt collection process and contravene the provisions of FDCPA Section 807, which prohibits false, deceptive, or misleading representations. I demand that you cease all false or misleading representations immediately and provide me with evidence of compliance with FDCPA Section 807 requirements or delete this from my consumer file immediately.
The IRS clearly defines a charge-off as this account inaccurate.
Which in fact makes your reporting of gross or ORDINARY INCOME, INCOME DOES NOT GET REPORTED ON THE ( CONSUMER REPORT ).
By definition the IRS clearly says a canceled debt or charge off is income. The reporting off this account as a debt is inaccurate according to the IRS PUBLICATION 4681.
Also, if your debt is canceled and the lender must file Form 1099-C, the lender can include the information about the abandonment on that form instead of on Form 1099-A.
Which proves all companies Ive listed in the report who reported a charge off to my consumer profile has violated and neglected my rights. Below is a remark that was left by an agent of XXXX XXXX XXXX XXXX XXXX This is also evidence that a charge off is being furnished on my consumer report, which it clearly states in the IRS PUBLICATION that a write off is ordinary income that MUST BE REPORTED ( mandatory ) on a tax return. There The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity, as discussed earlier in chapter 1 Under penalty and perjury i the secured party creditor never received a Notice from all debt collectors who had placed a charge off on my consumer report the lender, in fact the lender or any of its agents never sent me a copy of a 1099-C which is considered as a cancellation of debt that was filed as a write off on a tax return according to the IRS Publication.
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
5. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
6. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
7. XXXX XXXXXXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
8. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
9. XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
10. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
11. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
12. XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have contacted transunion via certificated mail recipient : XXXX *******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq. and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.
1 This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.
This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt exists by giving the following under sworn testimony under the penalty of perjury I am the owner of this debt with the following : The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
3 Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), U.S.C. Title 18 XX/XX/XXXX et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. XXXX Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
4 This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
I request the corporation send me their balance sheet, FAS 95, Thrih Finance Report ( TFR ), FR 2046 Balance Sheet, 1 ~ 1 0, S-3/A registration settlement, 424-b5 prospect, RC-Sand RC-B call schedules and offset the debt with what the corporation owes the debtor pursuant 10 FAS 140. This is based on the fact that noteS are sold to the FED in exchange for their promissory notes. Based on the failure to fully disclosure this information I am rescinding these contracts pursuant to the Truth in Lending Act, Regulation Z, 12 CFR 226.23. Further, under CRS 38-36-167 this entire mauer is void since I never recorded the title and ownership of the application and the property has been sold this bank is in default and these entire mauers are void.
The use by me of any Statutes, codes, rules, regulations, legal definitions, coun citations Or any other commercial or public references is meant ONLY to explain what is required to do and it shall NOT be assumed to mean that I have entered into any contract, assumed, presumed or actual, or into any jurisdiaion, alluded to, assumed or presumed thereby. All government officials/public servants/employees are bound by all statutes, codes. rules. regulations. legal definitions. coun citations and all other commercial and public references and I am not a government official/public servant/employee.
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| 05/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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On XX/XX/XXXX approximately XXXX i was awaiting a phone call returned and scheduled for this am. No one form TransUnion called. In this matter TransUnion Failed to protect me XXXX XXXX XXXX the consumer in this matter. There are multiple issues with this matter. In their response they TransUnion stated that the XXXX XXXX account was opened XX/XX/XXXX and closed XX/XX/XXXX, within 30 days of the alleged account being opened. I have spoken with said bank and asked them to verify this information, they said they could not. They XXXX XXXX stated that both accounts had no data for application opening date. So if this is the case how is it appearing on my credit report and not deleted. I have asked repeatedly that this fraudulent information be deleted. On XX/XX/XXXX i spoke with TransUnion employees one by the name of XXXX located in Pennsylvania. She said that the internal reasons of identity theft based upon TransUnion practices and not the FDCPA or the FCRA that they could not and would not delete the identity theft information from my record. Making it appear to be late by 30 days on one card ending in XXXX and the other card ending in XXXX. I also spoke with a XXXX same state of Pennsylvania, whom said that there where several addresses listed for me in the State Of California, she would not or could not share this information with me. I stated to her after identifying myself in full that my correct address was XXXX ... XXXX XXXX CA XXXX. She noted that there where multiple addresses from XXXX XXXX NV to XXXX MI that would need to be deleted. So i asked her to do so. The issue here is that TransUnion is ignoring the FDCPA and the FCRA for their own reasons. As internal practices, as this information has been deleted and updated with the other credit reporting agencies but not with said reporting agency herein and others possibly. This is identity theft and when i asked TransUnion about their process i was told over the phone today XX/XX/XXXX, that they have internal process which couldn't be shared rather XXXX said that something was wrong with the addresses listed and name was incorrect. my name is spelled XXXX XXXX XXXX not XXXX XXXX XXXX i do not live or have a mailing address at XXXX MI nor in XXXX XXXX. The bank listed these addresses but they are false. If the dates are wrong and the responses from the banks are inaccurate how is there a report and why is it not being deleted? This account and all accounts by XXXX XXXX should be deleted they have not provided accurate or belongs to me. According to the 809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt col- lector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt col- lector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and i XXXX XXXX XXXX notified XXXX XXXX over two years ago of fraudulent charges up to {$1200.00} being reported in my name and the validate the debt as of XX/XX/XXXX. They failed to respond in a timely manner. 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of 39 605B - 15 U.S.C. 1681c-2 605B - 15 U.S.C. 1681c-2 ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to Decline or Rescind ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, which i XXXX XXXX XXXX due to the amount of fraud and identity theft and misspelling of my name and incorrect addresses listed by credit reporting company XXXX XXXX have asked repeatedly that TransUnion and other reporting agencies block this from my report. ( A ) is a reseller ; 40 ( B ) is not, at the time of the request of the consumer under sub- section ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. Today it was shared with me that the banks reporting seemed odd at first glance, well if this is the case this seems to be reseller attempts to recreate a debt that has been a. paid in full, b. not that of XXXX XXXX XXXX or c. made up by way of identity theft. I XXXX XXXX XXXX have repeatedly requested the information being reported under my likeness or identity falsely and no one would disclose this information not even the bank itself. 606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ] ( a ) Disclosure of fact of preparation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless 606 - 15 U.S.C. 1681d ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 609 ( c ) [ 1681g ] ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). ( b ) Disclosure on request of nature and scope of investigation. Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection XXXX a ) ( 1 ) of this section, make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. No such data was received by the consumer. In fact the Bank has failed to provided this information being reported to me as of the last date they have reached out to XXXX XXXX XXXX as of XX/XX/XXXX. Whereas there were only letters threatening to collect a debt that i do not owe from the following personnel of said bank ; they are ; 1.XXXX XXXX, 2.XXXX XXXX XXXX 3.XXXX XXXX 4 . XXXX XXXX whom all work in various departments and this accounts for no point of contact. TransUnion nor any other credit reporting agency or named bureau can make up their own internal laws as to identity theft and disclosure policies or laws, they must abide by the FDCPA and the FCRA.
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| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX XXXX reached out to XXXX/TRANSUNIONXXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C-2 I have had multiple conversations with the fraud departments of all three major ( NCRAS ) XXXX XXXX TRANSUNION ABOUT THE the criminal activity they continue to commit by violating multiple FCRA laws and Fair Debt Collection Practices Act they continue to violate my federal rights under 15 US code 1692e ( 15, US code 1692G ) ( 15 US code 1681B ) and 15 US code 1681C- 2 have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT THE Thus, if you are reporting this fraudulent debt on any of your sites and affiliated site XXXXTRANSUNION/XXXX then , you must immediately inform them this ALLEGED debt is in dispute. Reporting information that you know to be inaccurate or failing to report information correctly violates the FCRA 1681s-2. theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer reports theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything of any sort they have not did a ( clear, conspicuous investigation ) into any of the allegations of the alleged debt XXXX/TransunionXXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley. THEY HAVE RECEIVED XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint NEW YORK state Attorney Generals complaint with a sworn affidavit of truth, ( FRAUDULENT ACCOUNTS ) XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX XXXX USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. But XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act ) FRAUDULENT ACCOUNT ( XXXX XXXXXXXX ) ACCT XXXX XXXXXXXX {$5700.00} XXXX ) Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent address ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX A bank clerk looking at their computer screen, seeing my name listed in their database is ( NOT verification or validation ) of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FILED ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of NEW YORK Attorney General 's office WHICH I HAVE DONE AND YOU WILL SEE ATTACHED DOCUMENTS should you continue in your non-compliance I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX XXXX {$5700.00} XX/XX/XXXX Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY, XXXX XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) ( Social Security Administration ) and anything purchased with that identifying number is an ( obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( ( XXXX XXXXTRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( XXXXTRANSUNION ) ARE also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT Failure to remove account in 5 days from my consumer report as requested will result in legal matters being taken also reporting these matters to ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
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| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Credit Bureaus XXXX : XXXX Bank XXXX XXXX | FORMAL COMPLAINT AGAINST CREDIT BUREAUS DELETE DISCOVERY OF BANK AND DEALER FRAUD W/ RATE AND PAYMENT AMOUNT XXXX BANK XXXX AUTO LOAN ACCOUNT # XXXX BALANCE {$0.00} | BEING REPORTED AS {$31000.00} XX/XX/XXXX I would like to make a Formal Complaint on the Credit Bureau XXXX XXXX ) based on recent Activity on my credit report and the outcome of my disputes.
The XXXX XXXX XXXX is and Has been Breached due to the Discovery of Forgery and Fraud committed by the XXXX XXXX XXXX XXXX XXXX XXXX.
Supporting Paperwork was sent in to Show the XXXX Police Report where the XXXX Police Report CLEARLY STATES : Fraud was discovered along with forged signatures and paperwork not signed me I have requested to REMOVE this account from my account based on the submission of Proof of Fraud The Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX to validate the Debt and make updates on a closed and charged off account, which should have removed all history and had no activity after the Charge off date of XX/XX/XXXX. There is no monthly reporting which should have occurred.
Id like to File a Formal Complaint Against : XXXX Transunion XXXX XXXX XXXX Police report which states that the Account was breached by Fraud and Forgery was submitted and Each Bureau Listed above continues to not only report the account. Also allow the creditor to make continuous updates on the credit report which differ drastically which show signs of credit manipulation, incorrect information and proof that the XXXX continues to verify invalid information.
The Police Report clearly states that the Investigation was Transferred to the Jurisdiction of the Dealership as well as sent to the State Attorney to investigate.
The XXXX Bank XXXX was BREACHED and entitled to Revocation upon the Finding ( XXXX ) of Dealer Fraud. XXXX Bank was to Close and Remove the account once it was made aware by Law Enforcement ( XXXX Jurisdictions XXXX, XXXX and XXXX Attorney ) Its Even Made Clear in the Code of Federal Regulations PART XXXX ' REVOCATION RIGHTS, SALES PRACTICES AND STANDARDS ( REGULATION K ) XXXX XXXX. XXXX, XXXX ; XXXX XXXX. XXXX.
XXXX XXXX XXXX, XXXX XXXX, XXXX, unless otherwise noted.
XXXX XXXX and misrepresentation.
( a ) The term manipulative, deceptive, or other fraudulent device or contrivance, as used in section XXXX ( c ) ( XXXX ) of the Act ( section XXXX, XXXX XXXX. XXXX ; XXXX XXXX. XXXX ( c ) ( XXXX ), is hereby defined to include any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person.
( b ) The term manipulative, deceptive, or other fraudulent device or contrivance, as used in section XXXX ( c ) ( XXXX ) of the XXXX, is hereby defined to include any untrue statement of a material fact and any omission to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they are made, not misleading, which statement or omission is made with knowledge or reasonable grounds to believe that it is untrue or misleading.
The XXXX Florida Statutes Title XXXIII REGULATION OF TRADE, COMMERCE, INVESTMENTS, AND SOLICITATIONS Chapter XXXX CONSUMER PROTECTION XXXX acts and practices.
( XXXX ) Unfair methods of competition, unconscionable acts or practices, and unfair or deceptive acts or practices in the conduct of any trade or commerce are hereby declared unlawful.
( XXXX ) It is the intent of the XXXX that, in construing subsection ( XXXX ), due consideration and great weight shall be given to the interpretations of the Federal Trade Commission and the federal courts relating to XXXX XXXX ( a ) ( XXXX ) of the Federal Trade Commission XXXX, XXXX XXXX. s. XXXX ( a ) ( XXXX ) as of XX/XX/XXXX.
History.s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX ; s. XXXX, ch. XXXX.
As Per these Federal Regulations, XXXX Banks Loan is MOOT and Revocable with the entitlement of reimbursement. Which I have offered the Creditor the Opportunity to Restore me in an Amicable and Mutually Agreeable Fashion, Which they Refused, But attempted to Illegally take possession.
The XXXX is Breached and Restoration and Reimbursement is XXXX to XXXX. By XXXX.
XXXX Bank was made aware of the Fraud and Forgery committed by XXXX XXXX XXXX XXXX XXXX XXXX. The Bank is ILLEGALLY continuing to attempt to service, manage and collect on the XXXX XXXX which they are aware contains XXXX and XXXX.
With the Evidence Submitted to show that the Agreed and Approved Payment Amount and Interest rate was changed along with a Police report to show and confirm that those numbers were changed. PROVES that the reported history, payment and Interest rate is INCORRECT.
Id like to hold the CREDIT BUREAU in Contempt to sent me any an all Information that has been used since the Original XXXX Dispute which is being used to continue to validate this account.
The Creditor Has Changed the History of this account XXXX XXXX which is very contradictory and still doesnt have the correct payment or interest rate which was agreed upon. There are also Forged Documents and XXXX XXXX and a Forged Application. By XXXX this is Illegal and Makes me a Victim to a XXXX XXXX.
Police Reports and Documents Prove that there is NO MISREPRESENTATION of those FACTS.
Which Leads me to Request the Documents which XXXX, Transunion and XXXX Used to Continue to Validate this Account since the XX/XX/XXXX Dispute where the bureaus were made aware of Fraud Being Discovered on the Loan.
All Collateral has been turned over to XXXX XXXX for their XXXX as well as Attorney. The Creditor Has not responded to Email Sent in response to Query of Dispute/Complaint ( XXXX ). Which confirms any correspondence being used is generic and not communication tied to any form of resolution.
I am requesting from the Credit Bureau, the Documentation and items used to VALIDATE an Account Law Enforcement has found was Breached by Fraud and Forgery based on the Inflation of the agreed terms.
I am seeking documentation which shows this account reported on my credit as agreed : XXXX. Monthly Payment of {$530.00} XXXX. Reflect the {$3000.00} Down From the Principal Price ( {$35000.00} ) XXXX. XXXX XXXX of {$35000.00} XXXX. XXXX XXXX of 2.90 % XXXX. Contract without Gap and a XXXX XXXX as I never approved these add ons which is clear in the approval XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX I asked for this ) XXXX. Contract that Acknowledges that there was a Factory Warranty ( The XXXX XXXX XXXX had well over 3 years and XXXX Miles which tops a 2 Year XXXX Mile Add on ( Illegal to add a warranty shorter than the factory ) XXXX. Disclosure Of XXXX XXXX XXXX XXXX on a Service Agreement Not Agreed to.
XXXX. Correct Balance, Interest Rate and Payments on Account XXXX. Accurate Account History can not be established based on Constant Changes to Account History, Hence why I requested removal of the account and history as it is not valid and there are multiple documents and sources to PROVE THIS.
Please find the attached documents and Remove and Delete the Breached by Forgery and XXXX XXXX Bank account as the collateral and all documents have been turned over to Law Enforcement.
The Original Dispute ( XXXX ) were Submitted on XX/XX/XXXX, Generic Responses have been sent based on Failure to review supporting documentation and repetitive wasteful responses about Identity verification when my Identity verification documents have been sent NUMEROUS times as well as submitted to CFPB Complaint.
I am seeking Manual Review by the Credit Bureaus as well as Escalation of the Complaint by the CFPB who has repeatedly failed to Regulate this breach and act ( XXXX ) of Fraud which XXXX Bank was made aware of and continued to Manipulate the credit of the consumer.
The Disputed information has remained Even with The Appropriate Documentation So I am seeking any and all documentation that the Credit Bureau Has XXXX XXXX XXXX to Report the Above referenced Account.
The Allotted 30 Day Dispute time has been exceeded multiple times without manual review and accuracy in verification process. I am not arguing the belonging of the account, I am disputing the Accuracy and Legality. How is the Credit Bureau XXXX and Continuing to Report An Account Law Enforcement has found Forgery and Fraud on which the Creditor XXXX BANK has done nothing about.
Based on the time I have been affected by this invalid reporting and forgery and fraud I am entitled to the Maximum Compensation based on the Numerous Violations of the XXXX XXXX Bank XXXX to pursue and inaccurately report and account which they were made aware of fraud.
The Credit Bureaus and the CFPB have allowed the XXXX to Continue.
Review the Last Update of the history. The Reporting of the Account being charged off XXXX month after purchase is inaccurate ( YET WAS VERIFIED BY CREDIT BUREAU ).
Creditor Later Removed the NEGATIVE history and added random Current Payments. Which Drastically affected my credit and is something that the Creditor Continues to Do to Maliciously Damage My Credit.
I would like for the CFPB, FTC and Credit Bureau to Review the amount of times the Creditor has manipulated the History and the Credit Bureau has allowed. Which is Grounds for a very credible Lawsuit, when information was provided to deem account defective, breached, forged with fraud and Inaccurate.
Overpayments of agreed payment and interest rate were to be applied to principal. The History and Reporting doesnt reflect any of that.
Regards, XXXX XXXX XXXX
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| 10/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXXXXXX XXXX XXXX XXXX Transunion Attempted to do it on Website /Declined it ( see proof attached ) Disputed by Mail TransUnion Consumer Relations XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Transunion once again Failed to Complete my Disputes and correct my Credit report File Number : XXXX I- Request for Proof or Immediate removal of the Collection account in my credit report in Compliance Credit Reporting Laws and Regulations II- Notice of Formal Dispute The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
Pursuant to FCRA section 611 ( a ) ( 2 ) ( A ) and section 609 ( c ) ( 1 ) you Transunion are required initiate and complete a thorough investigation and to provide me ALL information, Documentation and proof gathered during your investigation ) on this inaccurate account *** Pursuant to 15U.S.C. 1618 et seq, Transunion exceeded the time of 30 days to complete the dispute or delete the inaccurate information It has been over 85 days since my first dispute and 60 days from my second dispute of this False /inaccurate / improper / derogatory information on my credit report with Transunion On XX/XX/XXXX XXXX Transunion Updated this False /inaccurate account as Accurate on My credit report without conducting an investigation and without providing the results of investigation without providing ALL documentations associated with investigation Transunion used a sneaky scheme replying to My complaint with CFPB before completing the investigation, before providing the result of the investigation and before providing ALL documents associated with this investigation. Transunion did so Intentionally to close the complaint with CFPB before completing the investigation or Removing the False/inaccurate account from my credit report.
In accordance with the Fair Credit Reporting Act 609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients.
Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information : Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report In accordance with the Fair Credit Reporting Act it is my belief that among many issues depicted below you Transunion have violated my rights under 15 USC 1681 602 I have the right to privacy pursuant to 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1666 b Transunion may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
In accordance with Disclosures to consumers [ 15 U.S.C. 1681 et seq, I request that the information regarding this account be Verified by Transunion with ALL documents requested below or Removed Information on file ; sources ; report recipients.
Pursuant To Fair Credit Reporting Act, 15U.S.C. 1618 et seq, I am requesting that the information regarding my personal information and accounts disputed be verified Or REMOVED from my credit report Pursuant to FCRA section 611 ( a ) ( 2 ) ( A
) and section 609 ( c ) ( 1 ) you Transunion are required to provide me ALL relevant information Documentation and proof gathered during your investigation Pursuant to FCRA section ( a ) ( 6 ) ( b ) ( ii ) if you choose Not to remove this disputed information than you are required to provide notice of your decision and include ALL documents used during the investigation Transunion Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Transunion Repeatedly failed to provide an option for me to dispute the incorrect information on Line, thus costing me additional money ( paper, ink, mailing fee, postage fee ) ****Please Remove his Inaccurate information as being in Dispute from my credit report Immediately as you Failed to XXXX XXXX XXXX XXXX Please DELETE Account # XXXX Balance {$1400.00} Please DELETE I have no knowledge of this collection account XXXX Failed to Validate this debt .Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act ( FDCPA ) Supporting Document File Size Document Type Attached XXXX Dispute Dollars XXXX CFPB XXXX XXXX KB Other relevant documentation Transunion FAILED and once again REFUSED to remove account from my credit report even though Creditor failed to Validate this debt.
Transunion FAILED and once again REFUSED to provide any of the documents listed below : ****Pursuant to 15 usc 1692g I demand Transunion to Provide proof and ALL documentation for its in depth investigation on this Inaccurate information/Account or Remove it from my credit report Immediately, Including but not limited to : 1. My signature on the contract for this debt 2. Chain of title for this debt 3. Chain of title that gives XXXXXXXX XXXX legal authorization to collect on this debt 4. Detailed list of the payment history made by me on this account 5. Any and ALL insurance claims filed on this debt 6. Original signed contract that shows I am responsible for this debt 7. My credit application for this debt 8. Provide verification and documentation about why this is a debt that I am required to pay To XXXXXXXX XXXX 9. Proof that you have the legal authority to collect on this debt XXXX. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
The amount and age of the debt, including : 1. A copy of the last billing statement sent to me by the original creditor.
2. State the amount of the debt when you obtained it, and when that was.
3. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
4. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
5. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law..
6. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
1. Does your firm have a debt collection license from my state? If not, say why not.
2. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
3. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place?
4. If yes, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
Pursuant to 5U.S.C. 552 a ( i ) ( 3 ) i am requesting this disputed item to be removed from my credit report Immediately Since you have failed to comply with 5U.S.C. 552 a ( i ) ( 3 ) by failing to maintain my records with accuracy, relevance, timeliness and completeness as is necessary to guarantee fairness in any determination shall Not use such record What would be a fair resolution?
1- Transunion to provide all above described documents Immediately 2- If Transunion does not provide above documents to validate this debt Transunion to remove Immediately this negative improper inaccurate derogatory information from my credit report 3- Transunion be held accountable for - Inaccurate, false statement made in my credit report and refusing to remove them upon dispute - Damaging my reputation with the derogatory statements and refusing to remove them upon dispute - Punitive damages 4- Transunion be held accountable for refusing and failing to investigate this dispute / Failing to provide the results of investigation, Failing to provide documents of investigation and responding to my complaint with CFPB without resolving /validating / investigating my dispute 5- Transunion to be held accountable for exceeding the 30 days reply ( Transunion must investigate the dispute within 30 days ) 5- Transunion to be fully investigated and held accountable for praying on senior citizens like myself defrauding senior citizens like myself and getting away with it by not providing the documents as required to validate the False debt and removing false /inaccurate / improper / derogatory information from my credit report
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| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I am exercising my right to make sure my private information isn't shared pursuant to 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title.
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Transunion, XXXX and XXXX do not have my consent to furnish certain information and they surely do not have my written consent. Any and all consent to Transunion, XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked immediately.
( XXXX ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Note : Reporting Transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
Note : You need my written consent to add anything to my consumer report and I did not give this authorization therefore you are in violation of the Fair Credit Reporting Act P.L XXXX XXXX XXXX XXXX XXXX ) which is law as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
15 USC 6809 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; ( iii ) otherwise obtained by the financial institution.
XXXX Revised privacy notices.
( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under XXXX, unless : ( XXXX ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( XXXX ) You have provided to the consumer a new opt out notice ; ( XXXX ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( XXXX ) the consumer does not opt out.
Note : You did not provide me with a clear and conspicuous revised privacy or optout notice.
Pursuant to15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of XXXX [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, I have the right to opt out of anything on my report at any time and the companies must comply as soon as reasonably practicable after receipt of this notice.
notice.
Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item you are reporting again without my permission which is against the law.
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Pursuant to 12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( XXXX ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( XXXX ) of this section; and ( XXXX ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party Pursuant to PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in XXXX, XXXX, and XXXX.
Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; Note : Reporting Transaction history is illegal 5 U.S. Code 1681o - Civil liability for negligent noncompliance Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports you are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose,
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| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX D.O.B XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page. And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX D.O.B XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.And remove unverified Bankruptcy.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/XXXX, my wife and I took out a second Mortgage on our home from XXXX XXXX XXXX XXXX in the amount of {$15000.00} ( account # XXXX ) as we were having financial difficulty due to COVID-19. My wifes XXXX son who is a XXXX lost his job due to the closing of the company he was working for d/t the government lockdown due to COVIG. We was helping him pay his bills as things got overwhelmingly financially difficult. Subsequently, we got behind on our loan with XXXX XXXX. We even had to let our one of our vehicles go because the loan company was not willing to work with us financially. I told them that they could take the vehicle as I was unable to pay while helping my son in addition to my bills. We were dealing a lot with my son, taking care of him as his RN was not able to go to his home to take care of him due to the virus. My wife and I had to go over to his home daily to take care of him as his wife got the virus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had it twice and my wife it 4 times. It was just a difficult time.
In the meantime, XXXX XXXX took us to court, but we could not go due to a family emergency. I then received papers in the mail from XXXX XXXX that they were starting foreclosure proceedings. We called XXXX XXXX from XXXX XXXX. My wife and I spoke with her over a speaker phone, and we all were talking about a payment arrangement because I did NOT want to lose my home of 14 years. She verbally said she would knock off the interest and the late fees. Prior to that in XXXX, I spoke to a female representative in the collection Dept, I believe her name was XXXX. She said that she was willing to take off of the interest and late fees back in XXXX. On that call on XX/XX/XXXX, to XXXX XXXX, we re-entered a payment agreement with XXXX XXXX during that phone call stating that we would make a {$1000.00} payment that day in cash which we did and $ XXXX thereafter.
We started making payments on XX/XX/XXXX, of {$1000.00} in cash to XXXX XXXX XXXX XXXX. The bank teller gave me a receipt with the beginning balance ( {$15000.00} ) and the ending balance ( {$14000.00} ). The second payment was {$500.00} in cash and they gave me a receipt with a beginning balance of ( {$14000.00} ) and an ending balance of ( {$14000.00} ), but they told me that day that they would not accept cash from me anymore. I told the bank clerk that I have been making payments in cash and she responded to me that they were instructed by their boss to no longer take cash payments from me. The third payment I took in a check, and I asked for a receipt printed with the balance on it and she said she was instructed by her boss to NOT give me any printed receipts with balances or payoff balances. That sounded crazy to me like they were up to something NOT RIGHT, something fishy like hiding things. Thats what you do when you go to a store, you pay for something, and you get a receipt with the current balance to the ending balance. We need this for our records. The fourth payment, I took in I took a check in and they were not going to give me a printed receipt, so they gave me a hand written receipt with no balances on it. I sent the next payment through my XXXX XXXX XXXX XXXX Account through my Bill Payment system so I could at least have a printed receipt from my bank. They refused the payment and sent it back to me. They said I had to send in a personal check only and that is only what they will accept.
We knew something was wrong with how they were being sneaky about everything. First, they dont accept cash, but they did at the beginning with a beginning and ending balances on the first 2 receipts ( I have attached all receipts ). Then they refused Bill Pay payments from my bank, they sent it back to me. Now they will only take a personal check and give me a handwritten receipt with NO beginning and ending balances. We have continued to pay as agreed $ XXXX and have all of the cleared checks, but no balances. I have calculated that we owe {$8500.00} left on the loan.
Then, we checked our credit reports with all XXXX major reporting bureaus ( XXXX, XXXX XXXX TransUnion ). Each report had different amounts owed, high balance, date opened, Balance owed, Closed date, Dispute status, Last payment, payment amounts and term length. I am attaching both mine and my wifes XXXX credit reports from XXXX XXXX which shows all 3 credit bureaus alongside each other and how they are reporting. There are so many errors, inconsistencies and inaccurate data. This is a violation of the FCRA 15 U.S.C. 1861 ( a ) ( 1 ) ( A ) ; Section 611 ( a ) plainly states that a failure to investigate these items that are inaccurate on a credit report within 30 days should be deleted promptly.
We sent disputes to all 3 credit bureaus, and they did NOTHING. They said it was accurate the same day we put the dispute in. Then we present the disputes to all 3 credit bureaus with proof of all the inconsistencies and receipts with all the payments documented, letters from XXXX that we entered back into repayment and a letter from the courts dismissing the foreclosure. They still did not do anything. We have proof and have sent all the documents again to all XXXX credit bureaus. They said they did a re-investigation, but they did not. Because the day we sent in the disputes they sent back the results of the re-investigation on the same day. There is no way they completed an investigation, much less a re-investigation. They are breaking the law and violating my wifes and my legal rights.
Then my wife ended up getting Legal Aid because she is XXXX and has a low income. The attorney that we are working with at Legal Aid is from XXXX Ohio and he sent a letter to XXXX XXXX requesting an itemized statement of account for our second mortgage loan. They provided their copy of the itemized loan, but it had the interest listed on it that XXXX XXXX verbally entered into an agreement with us to remove the interest and late fees. They sent him something totally different than what they sent us.
XXXX XXXX XXXX is violating our rights under the FCRA 15 U.S.C. 1681 ( a ) ( 1 ) ( A ) which states they are required to delete this inaccurate information on our credit reports, and it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from our credit report. The balance and payments are reporting inaccurate and erroneous still. We previously disputed this account on 7-10 occasions with documentation of all our payments and receipts attached. We entered into a repayment agreement on XX/XX/XXXX, and XXXX XXXX agreed to dismiss the foreclosure. I restarted the repayment plan to XXXX XXXX as agreed on XX/XX/XXXX, and paid the agreed upon amount of {$1000.00} with a beginning balance documented on the receipt ( enclosed ) as {$15000.00} by XXXX XXXX XXXX. After the first {$1000.00} payment, the ending balance was documented as {$14000.00}. On XX/XX/XXXX, the beginning balance was {$14000.00} and I made a payment of {$500.00} with the ending balance documented on the receipt as {$14.00}, XXXX ( enclosed ). The subsequent {$500.00} monthly payments were made, and I have previously uploaded all payment receipts to the credit bureaus dispute sites. The ACCURATE balance due currently is {$8500.00}. XXXX XXXX XXXX has our balance as {$13000.00} which is inaccurate. Another erroneous reporting is in the payment history is XX/XX/XXXX ( 30 days late ), XX/XX/XXXX ( 60 days late ), XX/XX/XXXX ( 90 days late ), XX/XX/XXXX ( 120 days late ) and XX/XX/XXXX ( 120 days late ). There is NO WAY that this account can be 120 days late 2 months in a row. It shows 120 days late in both XXXX and XX/XX/XXXX. This account is listed on my credit report as a Collection/Charge off in addition to a Profit & Loss write-off. It is NOT a charge off or a Profit & Loss Write-off as we have documentation that we are enclosing that we have re-entered a payment agreement as of XX/XX/XXXX, and monthly thereafter. All receipts are enclosed. This is just another error that is not being addressed by XXXX XXXX XXXX XXXX
XXXX XXXX continues to report inaccurate balances and payments. They are violating the FCRA, specifically 15 U.S.C. 1681 Section 611 ( a ) which states that a failure to investigate disputed items within 30 days gives reason to immediately remove those items from my credit report. We have disputed multiple times and requested reinvestigations with all three major credit bureaus. This is negatively affecting our credit score and causing us mental, psychological & emotional distress. In addition, these errors are costing us money at higher rates. We have attempted to get several home equity loans and lines of credit to pursue housing and were denied because of the illegal reporting of negative errors on our credit reports. My wife has not been able to obtain housing because of this. It is affecting my wifes ability to obtain housing assistance through her low income and XXXX rating. This is illegal and they are breaking the law. Since they have all refused to investigate and re-investigate our disputes and update our credit reports to show 100 % accuracy, I am filing this complaint with the CFPB to assist us in having XXXX XXXX XXXX XXXX account removed from all three of our credit bureau reports. We have {$150000.00} in equity on our home and have attempted to refinance for fixing the home for sale and paying off XXXX XXXX ; however, since they are reporting inaccurately, we are unable to obtain financing for HOUSING due to the errors XXXX XXXX XXXX continues to report to all 3 major credit reports.
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| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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| 10/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D. XXXX. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$14000.00}, XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX, XXXX Account Name : XXXX Account # : XXXX High Balance : {$14000.00}, XXXX Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$39000.00} {$39000.00}, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX High Balance : {$0.00} have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly to my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Subject : Request for Removal of XXXX XXXX XXXX Vacations Time Share and Cease and Desist Dear XXXX, I hope this letter finds you well. I am writing to formally request the immediate removal of an entry on my credit report related to a XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I believe this entry is inaccurate and in violation of consumer protection laws. Additionally, I am issuing a cease and desist order to halt any further reporting of this false information.
Here are the details of the matter : - Name : XXXX XXXX - Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL, ZIP XXXX - Date : XX/XX/XXXX In XX/XX/XXXX, I attended a presentation by XXXX XXXX XXXX XXXX, where I was coerced into purchasing a time share. However, subsequent revelations have shown that the sales tactics employed were misleading and that the contract 's terms and conditions were misrepresented. As a consumer, I have the right to accurate and honest information when making financial decisions, and these practices were in violation of various consumer protection laws.
I hereby request the following actions : XXXX. *Investigation : * I urge you to initiate an investigation into this matter and verify the inaccuracies in my credit report related to the XXXX XXXX XXXXXXXX XXXX XXXX Share entry.
XXXX. *Removal : * Based on the evidence I've provided and the consumer protection laws violated, I request the immediate removal of the aforementioned entry from my credit report.
XXXX. *Cease and Desist : * I am issuing a cease and desist order to prevent any further reporting of this false and misleading information on my credit report.
I have attached supporting documentation that substantiates my claims, including records indicating that I tried to cancel within a week of signing the documents, but my attempts were ignored. I believe the following consumer protection laws have been violated : - Cooling-Off Period - Contract Rescission - Misrepresentation and Fraud Upon completion of the investigation and removal of the inaccurate entry, I kindly request written confirmation of these actions. Additionally, I ask that you communicate this correction to any third-party entities that have accessed my credit report recently.
I appreciate your prompt attention to this matter and trust that you will take the necessary steps to rectify this situation. If you require further information, please don't hesitate to contact me at XXXX ( XXXX ) XXXX / XXXX or XXXX.
Thank you for your cooperation.
Sincerely, XXXX XXXX
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| 07/05/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The company listed above is reporting inaccurate, outdated, unverified information. These companies are reporting a paid, closed, or satisfied account as open with a balance.
I recently check my credit report and see that INACCURATE, OUTDATED, UNVERIFIED, FRAUDULENT information is being reported to my account. I DEMAND THAT THE ACCOUNTS BE DELETED AND BLOCKED IMMEDIATELY. I have asked you to remove this fraudulent account off my report and you fail to do so. According to the Fair Credit Reporting.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
For your reporting services could fax, mail or email in a fraudulent account.
According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE the information they must remove said information from the consumer credit file.
This letter will serve as a demand letter to remove accounts if failure to do so i will be force to take legal action required by my county. I sent you a certified package. Enclosed in that package was : A notarized identity theft report, a copy of valid government identification, current copy of my credit file, a letter stating the items werent authorized by me and a request for the items to be BLOCKED. Please also block my name, address, phone number and social security number on file. I do not consent to the release of my information without contacting me first.
Your records will show that over the years I have disputed these items as Not Mine, they dont belong to me.
You have failed provide me the following ; Balance because the creditor claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did they receive monies from an insurance claim that paid off the alleged account balance?
Did they even fund the account or did you?
Did they take tax credits?
Are they the creditor or really just the servicer?
Did they disclose that they were charging you for the insurance premium to protect against asset loss?
Did they get your approval in writing agreeing to the amount of the premium as require by law?
Did they get the insurance payoff prior to charging off the account?
Is the contract creating the account even valid since they lacked full disclosure and equal risk?
Do they even have a certified copy of the original contract bearing both your signature and their authorized representative 's signature?
Can they provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean they get to send you monthly billing statements. They need a full history document ).
A copy of the original Consumer Contract with my Signature on it which you have on file with the accounts listed below under which accrued the alleged debt.
If companies listed is not named as the Creditor on the original contract, then please provide me with the name and address of the original creditor, as well as proof of your authority to represent the creditor or the consumer in this legal matter. An acceptable form of proof would be ; Power of Attorney ; or an assignment letter appointing you as an Assignee for the debt ; or a statement, sworn to, under penalty of perjury, that the debt is valid, and that you are Legally entitled to collect this debt on behalf of the original Creditor.
The name and official title of the person to whom you verified this information with, their company, or the computer based system used for verification. Please also include the date in which you communicated with that individual or the date by which the system was accessed.
As a requisite of validation, please provide an accounting of any money, property named as collateral, insurance or services subject to, or arising out of the transaction, that created this alleged debt obligation.
Please inform me of the date when the account ( s ) were opened.
Please provide records of any payments or other reductions since the last billing statement for the account ( s ) listed.
Please inform me if youve determined that this debt is within the statute of limitations applicable to it?
Please inform me as to whether these agencies have a debt collection license from the state they are in and reporting to. If not, please explain why.
Please Provide the date of their professional license for debt collection, along with the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license, your Tax ID number on the enclosed W-9, the address of the registered agent, and your business registration number issued by the Secretary of States office.
If you provide the requested documentation, I will require at least 10 days investigating the information you provide. During this time, you must cease and desist all collection activity on my report. Do not report negative information to the credit bureaus during this validation period.
If your office does not respond to this validation request within 10 days, all references to this account must be deleted from my credit reports and completely removed from my credit file. If not removed from my file I will be forced to take legal action which your company can be fined $ XXXX for each violation.
Please send a copy of any such deletion request to me.
My intention is to resolve this matter as quickly and as efficiently as possible your attention to this matter and prompt response is appreciated.
I have no knowledge of these accounts, so therefore its in nature. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof of original contract, you must remove the accounts listed below. If you are unable to provide me with a copy of the verifiable proof that you have on file within 10 days for each of the accounts listed below then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing these items removed.
This is a blatant violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) Subsection ( a ) reads as follows : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Once those documents were in your possession, Subsection ( b ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Section ( b ) reads as follows : Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.
In the event that your company decided not to block the trade lines identified as identity theft, Section ( c ) of FCRA 605B ( 15 U.S.C. 1681c-2 ) would apply. Subsection ( c ) reads as follows : In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. The time frame for a consumer to be notified is within 5 business days after the reinsertion.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX, XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX Unverified Account XXXX XXXX Unverified Account
|
| 06/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXXXXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Sectio
n 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX dated XX/XX/XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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|
Hello to whom all this may concern My Only First & Last Name XXXXXXXX XXXX XXXX XXXX My Only Address XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX The last 4 of my SSN # XXXX My Only XXXXUnder penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. I have reached out to all three at the national credit reporting agencies, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXIve sent paper work and complaints from the US Justice Department XXXX XXXX XXXX ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT XXXX TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX and the creditors/ ( XXXX ) XXXX XX/XX/XXXX {$2300.00} ( XXXX XXXX ) XXXX XX/XX/XXXX {$3000.00} ( XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$900.00} ( XXXX XXXX ) XXXX XX/XX/XXXX {$960.00} XXXX ) XXXX XX/XX/XXXX {$570.00}.
Fraudulent inquiries ) Dates XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are IILEGALLY REPORTING FRAUDULENT collections/Charge-Offs, late payments/other derogatory information in my consumer reports, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involvedXXXX TRANSUNION XXXX XXXX XXXX XXXXXXXX XXXX ( 15USC 1681 a ( d\ ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.
I allege that TransUnion, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt.
15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting.
15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports.
15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes.
H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers.
Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions.
Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information.
Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties.
Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk.
Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization.
2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data.
3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing.
4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations.
5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance.
Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ( Fraudulent Accounts ) Inquiries Account Name Account number Date open Dollar Amount XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : Violation of United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Dear Sir/Madam, I am writing to present this final written OFFER OF SETTLEMENT BEFORE LITIGATION as an attempt to amicably resolve your continued violation of the Fair Credit Reporting Act ( FCRA ) regarding the refusal to delete INACCURATE, Unverifiable, and Invalidated information from my consumer file. If the listed below INACCURATE, Unverifiable, and Invalidated items are not immediately removed, I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages entitled to me under Section 616 and Section 617. Please note that this letter, along with previously sent inaccurate and erroneous items, will be included as evidence in pending litigation and a formal complaint to the Federal Trade Commission should you fail to comply with this offer of settlement.
It has come to my attention that you are in direct violation of the FCRA as the unverified items listed below still remain on my credit report, which is a violation of Federal Law. According to the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify the accuracy of this information. In your previous investigations, you stated in writing that these items were " reported correctly '' without providing me with any original documentation ( a consumer contract with my signature ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). I would like to bring to your attention that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' It is evident that your agency lacks knowledge of the FCRA, as evidenced by the numerous errors on my credit report that you are disregarding. To ensure clarity, I would like to provide you with the following breakdown : The Fair Credit Reporting Act ( FCRA ) is the primary federal law governing the collection and reporting of credit information about consumers. It establishes rules on how a consumer 's credit information is obtained, retained, and shared, including with the consumers themselves.
FCRA violation occurs when creditors provide reporting agencies with inaccurate financial information about consumers, when reporting agencies mix up information due to similar last names or social security numbers, or when agencies fail to follow guidelines for handling disputes.
Under the fair credit reporting act, I have the following rights : a. Verify the accuracy of my credit report when it is required for employment purposes.
b. Receive notification if information in my file has been used against me in applying for credit or other transactions.
c. Dispute and have the bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report.
d. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand the immediate deletion of the following items. I have provided a list of the items and the desired outcome below, as they are either INACCURATE, Unverifiable, or Invalidated. I recently applied for extended credit and was denied due to your mistakes, causing distress on my part.
The inquiry was not authorized Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand its removal.
The inquiry was not authorized Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull, and I demand its removal.
The inquiry was not authorized Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Account involved in litigation : Incorrect high balance Inaccurate date of last activity REAGED ACCOUNTS Reinsertion WITHOUT PROPER NOTICE Undated late pay Charge off listed as open Collection account with a limit Creditor : XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Incorrect personal information : ALSO KNOWN AS : XXXX, XXXX, XXXX Incorrect personal information : DATE OF BIRTH : XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX Account involved in litigation : Incorrect high balance Inaccurate date of last activity REAGED ACCOUNTS Reinsertion WITHOUT PROPER NOTICE Undated late pay Charge off listed as open Collection account with a limit Creditor : XXXX/XXXX Account Number : XXXX Please remove it from my credit report.
Incorrect personal information : DATE OF BIRTH : XXXX Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : NAME : XXXX XXXX XXXX Incorrect personal information : ALSO KNOWN AS : XXXX, XXXX, XXXX Incorrect personal information : EMPLOYER : XXXX XXXX XXXX Incorrect personal information : EMPLOYER : XXXX XXXX XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : NAME : XXXX XXXX XXXX Incorrect personal information : ALSO KNOWN AS : XXXX, XXXX, XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Incorrect personal information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX The inquiry was not authorized Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
These inaccurate, unverifiable, or invalidated items are clear violations of the FCRA. According to Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' It is evident that your agency lacks understanding of the FCRA, given the errors I observe on my credit report.
The Fair Credit Reporting Act ( FCRA ) is the primary federal law governing the collection and reporting of credit information about consumers. It establishes rules for obtaining, retaining, and sharing a consumer 's credit information, including their rights to verify, dispute, and correct inaccuracies.
A violation of the FCRA can occur when creditors provide inaccurate financial information to reporting agencies, when reporting agencies mix up information due to similarities in names or social security numbers, or when agencies fail to follow guidelines for handling disputes.
Under the Fair Credit Reporting Act, I have the following rights : Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Dispute, and have the bureaus correct and delete, information in my report that is incomplete, inaccurate, or unverifiable.
Have outdated, negative information removed ( usually after seven years, or ten years in the case of bankruptcy ).
I demand the immediate deletion of these items to rectify your violations. I have provided a comprehensive list of violations and requested remedies above. Failure to comply with federal law within 30 days of receiving this certified letter may result in a small claims action seeking {$5000.00} per violation, including claims for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury.
Please note that I require a description of the procedure used to determine the accuracy and completeness of the information, as per Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Kindly provide this description within five days of completing your reinvestigation. I do not consent to e-Oscar or any means of automated verification.
Furthermore, I want to emphasize that I am keeping a careful record of your actions, including your Method of Verification, and I reserve the right to detail any potential issues with your company through an online public press release, including documentation of any potential small claims action. Copies of this complaint have been sent to the organizations listed below for their information and consideration : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G. Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of the Currency CC : Federal Reserve System CC : XXXXXXXX XXXX XXXXXXXX XXXX : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Please be advised that your timely response is expected and essential. I anticipate a resolution to this matter that is both fair and compliant with federal law.
Sincerely, XXXX XXXX XXXX
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| 12/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello to whom all this may concern My Only First & Last Name XXXXXXXX XXXX XXXX XXXXXXXX My Only Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX The last 4 of my SSN # XXXX My Only XXXXUnder penalty of perjury, I solemnly swear to the highest power of creation that the information contained herein is unequivocally true and accurate. I have reached out to all three at the national credit reporting agencies, including ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX sent paper work and complaints from the US Justice Department ( XXXX ) ( CALIFORNIA STATE ATTORNEY GENERAL COMPLAINT ) CALIFORNIA CONSUMER PROTECTION AND INNOVATION ) ( FTC COMPLAINT ) ALONG WITH -CEASE AND DESISTS ORDERS -AND ( AFFIDAVITS OF TRUTH ) -SIGN AND NOTORIZED NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE AGENT XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXXXXXX XXXX and the creditors/ ( XXXX XXXX XXXX XX/XX/XXXX {$2300.00} ( XXXX XXXX ) XXXX XX/XX/XXXX {$3000.00} ( XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX XXXX XXXX {$570.00}. ( Fraudulent inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are IILEGALLY REPORTING FRAUDULENT collections/Charge-Offs, late payments/other derogatory information in my consumer reports, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involvedXXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX 15USC 1681 a ( d\ ( 2 ] ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX IS reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of XXXX compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. I allege that TransUnion, XXXX, and XXXX are in blatant violation of the following U.S. codes and legislation for the reasons specified : 15 USC 1692c ( b ) : Unauthorized communication with third parties about my debt. 15 U.S. Code 1681s-2 : Failure to correct and update inaccurate information in my consumer reports.15 U.S. Code 1681a ( 2 ) ( 1 ) : Misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681 ( 3 ) ( e ) : Further misuse or misrepresentation of definitions and rules related to consumer reporting. 15 U.S. Code 1681i : Inadequate procedures for disputing the accuracy of my consumer reports. 15 U.S. Code 1681b : Unauthorized access or use of my consumer reports for impermissible purposes. H.R. 3046 Social Security Number Privacy and Identity Theft Prevention Act of 2007 : Unauthorized use or disclosure of my Social Security numbers. Section 326 of the USA PATRIOT Act : Failure to verify my identification by financial institutions. Gramm-Leach-Bliley Act, Section 501 : Failure to ensure the security and confidentiality of my personal and financial information. Gramm-Leach-Bliley Act, Section 502 : Unauthorized sharing of my non-public personal information with non-affiliated third parties. Gramm-Leach-Bliley Act, Section 504 : Non-compliance with federal regulations designed to enforce the act, thereby putting my personal and financial information at risk. Remedial Actions : Immediate and Non-Negotiable Compliance Required I insist that you act immediately to address the following concerns, which are non-negotiable and require your immediate attention : 1. Data Removal : Immediate removal of all my existing personal and financial information from your website, databases, and any affiliated entities. This request pertains to all data currently held by your organization. 2. Data Security for Future Interactions : Implement robust security measures to prevent unauthorized access to any new information that may be collected. This request applies to any future interactions I may have with your organization and is not in conflict with my request for the removal of existing data. 3. Transparency : Full disclosure of any third parties with whom my information has been shared, along with immediate cessation of such sharing. 4. Notification : Prompt notification to me of all actions taken to secure my information and prevent further violations. 5. Legal Compliance : Immediate review and adherence to all relevant U.S. codes and legislation cited in this affidavit to ensure full compliance. Non-Consent and Settlement : Final Warning and Unambiguous Clarification 1as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ( Fraudulent Accounts ) Inquiries Account Name Account number Date open Dollar Amount XXXX XXXXXXXX XXXX {$2300.00} XXXX XXXX XXXXXXXX XXXX {$3000.00} XXXXXXXX XXXX XXXX XXXX {$900.00} XXXX XXXX XXXX XXXX XXXX$960.00} XXXX XXXX XXXX {$570.00}. ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
22. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
26. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
27. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
28. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
29. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
30. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
31. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
32. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
33. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
34. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
35. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
36. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
37. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
38. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
39. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
40. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CXXXX : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhank You, Sincerely, XXXX XXXX
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| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( ___XXXXXXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX SSN:XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXXXXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page..
.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXXXXXX SSN:XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXXXXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name______XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX XXXX OF SOCIAL SECURITY NUMBER # XXXX To Whom It May Concern, This notice is to inform you that you unlawfully reported fraudulent accounts that arose from XXXX XXXX that you did not verify as required by law on my consumer report.
15 USC sS 1681 b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) of this title ; a consumer reporting agency shall not furnish to any person a record of inquires in connection with a credit or insurance transaction that is not initiated by a consumer.
The following Inquires are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately.
1. The following inquiry is due to identity theft XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The following inquiry is due to identity theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
3. The following inquiry is due to XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
4. The following inquiry is due to identity theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
XXXX. The following inquiry is due to identity theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
6. The following inquiry is due to identity theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
7. The following inquiry is due to identity theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
8. The following inquiry is due to identity theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
9. The following inquiry is due to identity theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
10. The following inquiry is due to identity theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
11. The following inquiry is due to identity theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
12. The following inquiry is due to identity theft XXXX / XXXX Date of inquiry : XX/XX/XXXX XXXX. The following inquiry is due to identity theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
12. The following inquiry is due to identity theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from the consumer report.
My identity has been stolen you are hereby put on notice Aggravated Identity Theft pursuant to 18 USC S1028A ( 1 ) IN GENERAL.
Whoever, during and In relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. An identification of me has been used without my permission to open several accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by Federal Law. 15 USC sS 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.
( XXXX ) In accordance with the written instructions of the consumer to whom it relates.
YOU TRANSUNION, XXXX, XXXX have aided this fraud by not verifying these accounts.
Congress states 15 USC sS 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
1. The following account is due to identity theft XXXX Account XXXX : XXXX 2. The following account is due to identity theft XXXX XXXXXXXX XXXX XXXXXXXX : XXXX Please remove it from the consumer report.
3. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
4. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
5. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
6. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
7. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
8. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
9. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
10. The following account is due to identity theft XXXXXXXX XXXX Account Number : XXXX Please remove it from the consumer report.
11. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
12. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
13. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
14. The following account is due to identity DPT EDXXXX Account Number : XXXX Please remove it from the consumer report.
15. The following account is due to identity theft DPT EDXXXX Account Number : XXXX Please remove it from the consumer report.
16. The following account is due to identity theft DPT EDXXXX Account Number : XXXX Please remove it from the consumer report.
17. The following account is due to identity theft XXXX XXXX XXXX Account Number : 456974 Please remove it from the consumer report.
XXXX. The following account is due to identity theft XXXX XXXX XXXX Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft DPT EDXXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft DPT EDXXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft DPT EDXXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft DPT EDXXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft XXXX XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft XXXX XXXX Account Number : XXXX Please remove it from the consumer report.
XXXX. The following account is due to identity theft XXXX Account Number : XXXX Please remove it from the consumer report.
Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately.
I demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) ( 2 ) Access to free reports In any case in which a consumer reporting agency includes a fraud alert in the file of a consumer pursuant to this subjection, the consumer reporting agency shall ( A ) Disclose to the consumer that the consumer may request a free copy of the file of the consumer pursuant to section 1681 ( d ) of this title ; and Thank you, XXXX : XXXX XXXX Beneficiary Enclosed XXXX copy of ID, Utility Bill showing proof of address, for address proof. FTC Identity theft report with statement of fraudulent accounts/ inquires.
Cc : The Bureau of Consumer Protection Financial ( CFPB ) Cc : Federal Trade Commission Cc : XXXX XXXX XXXX XXXX
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| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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TRANS UNION HASN'T REMOVED AN INQUIRY THAT HAS BEEN PAID.
They are demanding i reach out to the creditor who has never responded to me, by the name of MPLI HOLDINGS TRUST III. The XXXX account has to be removed. The reporting agency as well as the creditor is in violation of the Fair Debt Collections Act.
XXXX XXXX XXXXXXXX My XXXX report has the account removed, but Trans Union has not removed the account. They are telling me they can't remove it.
15 USC 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of -- ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to -- ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collector 's business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.
808. Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collector 's intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if -- ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collector 's address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.
15 USC 1692c 805. Communication in connection with debt collection ( a ) Communication with the consumer generallyWithout the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt -- ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. In the absence of knowledge of circumstances to the contrary, a debt collector shall assume that the convenient time for communicating with a consumer is after 8 o'clock antemeridian and before 9 o'clock postmeridian, local time at the consumer 's location ; ( 2 ) if the debt collector knows the consumer is represented by an attorney with respect to such debt and has knowledge of, or can readily ascertain, such attorney 's name and address, unless the attorney fails to respond within a reasonable period of time to a communication from the debt collector or unless the attorney consents to direct communication with the consumer; or ( 3 ) at the consumer 's place of employment if the debt collector knows or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.
( b ) Communication with third partiesExcept as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except -- ( 1 ) to advise the consumer that the debt collector 's further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.
If such notice from the consumer is made by mail, notification shall be complete upon receipt.
( d ) Consumer definedFor the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator.
15 USC 1692j 812. Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. XXXX XXXX XXXX BANK Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
3. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
4. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
5. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
6. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
7. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
8. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
9. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
10. XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
11. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
12. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
13. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
14. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to request your assistance with the inaccurate, unverifiable, and invalidated information on my credit report. I have attempted to resolve this matter with you several times before, but unfortunately, it has not been rectified.
As you may know, the Fair Credit Reporting Act ( FCRA ) governs the collection and reporting of credit information about consumers. Under the FCRA, creditors are required to provide accurate financial information about me to reporting agencies. In turn, reporting agencies are required to handle disputes in accordance with guidelines and delete information that can not be verified.
However, it appears that you have violated the FCRA by failing to delete the inaccurate, unverifiable, and invalidated information on my credit report. I demand that you take immediate action to rectify the situation, as your continued violation of the FCRA has caused me undue stress and financial harm.
To clarify the situation, I have provided a list of the inaccurate information that needs to be removed from my credit report : The following personal information is incorrect NAME : XXXX XXXX 2. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX 3. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 4. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX 5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized COXXXXF Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
35. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
36. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
37. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
38. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
39. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
40. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
41. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
42. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
43. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
44. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
45. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
46. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Please note that your failure to comply with this request will result in legal action. I am fully aware of my rights under the FCRA, including my right to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617.
I hope that we can resolve this matter without resorting to litigation. I appreciate your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 12/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I sent XXXX, transunion, XXXX letters disputing fraudulent accounts and inaccurate billing errors on my credit report on XXXX Credit reporting laws ensure that bureaus report only 100% accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. XXXX, transunion, XXXX failed to remove or verify the fraudulent accounts Ive reported. Section 609 (a)(1)(A), of the Fair Credit Reporting Act XXXX, transunion, XXXX are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. I demanded to see verifiable proof with my signature that XXXX, transunion, XXXX have on file for the account listed below. . It has been more than 30 days and experian, transunion, equifax have not sent any verifiable proof.
Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof experian, transunion, equifax must remove the accounts and billing errors listed listed below.
1. The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX ,AccountNumber: XXXX.
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
2.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
3.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX XXXX XXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I
notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
4.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
5.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
6.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
7.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
8.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
9.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
10.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
11.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
12.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
13.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
14.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
15.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
16.The following account is not mine send me verifiable proof like a signed contract or delete
U S DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
17.The following account is not mine send me verifiable proof like a signed contract or delete
XXXX XXXX XXXX XXXX XXXX
you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
18.The following account is not mine send me verifiable proof like a signed contract or delete XXXX XXXX XXXX XXXX you are violating section 605 B 15 U.S. Code 1681 C of FCRA states that since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account you must remove and block from my report
XXXX XXXX XXXX XXXX XXXX I was never late on this account but your reporting late payments on my report.
you are violating 15 U.S. Code 1692c (c) of FCRA with this report please remove all late payments on this account .
20XXXX XXXX XXXX XXXX XXXX I was never late on this account but your reporting late payments on my report.
you are violating 15 U.S. Code 1692c (c) of FCRA with this report please remove all late payments on this account .
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| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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IN care of XXXX XXXX doing business as Transuion your organization is a for profit agency that has furinshed wrong information on credit report. violating my rights pursuant 15 usc ... .... the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication. In other terms I had not given Transunion, a written consent to furnish my information. If one has proof please show me the proof of all this alleged contractual agreement. ( ii ) consents orally or in writing to the making of the communication to a prospective employer, before the making of the communication ; and I do not consent to you having my information given to any employer. ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than XXXX business days after the receipt of the consent by that person. All the information you have on me is wrong. From my employer, my name, my address, the late payments and the credit utilization you are not allowed to report all these things. show proof of the alleged debt on my report. you have XXXX business days to do so. ALL NEGATIVE ITEMS SHALL BE REMOVED FROM MY report. ( B ) the person who makes the communication does not, for the purpose of making the communication, make any inquiry that if made by a prospective employer of the consumer who is the subject of the communication would violate any applicable Federal or State equal employment opportunity law or regulation; and ( C ) the person who makes the communication ( i ) discloses in writing to the consumer who is the subject of the communication, not later than XXXX business days after receiving any request from the consumer for such disclosure, the nature and substance of all information in the consumers file at the time of the request, except that the sources of any information that is acquired solely for use in making the communication and is actually used for no other purpose, need not be disclosed other than under appropriate discovery procedures in any court of competent jurisdiction in which an action is brought ; and ( ii ) notifies the consumer who is the subject of the communication, in writing, of the consumers right to request the information described in clause ( i ). The term reseller means a consumer reporting agency that ( XXXX ) assembles and merges information contained in the database of another consumer reporting agency or multiple consumer reporting agencies concerning any consumer for purposes of furnishing such information to any third party, to the extent of such activities ; and ( XXXX ) does not maintain a database of the assembled or merged information from which new consumer reports are produced. Leaving me vulnerable and I am a victim of your actions. i will also need my check for the data breach. A communication is described in this subsection if ( A ) but for subsection ( d ) ( XXXX ) ( D ), the communication would be a consumer report ; ( B ) the communication is made to an employer in connection with an investigation of ( i ) suspected misconduct relating to employment ; or ( ii ) compliance with Federal, State, or local laws and regulations, the rules of a self-regulatory organization, or any preexisting written policies of the employer ; ( C ) the communication is not made for the purpose of investigating a consumers credit worthiness, credit standing, or credit capacity ; and ( D ) the communication is not provided to any person except ( i ) to the employer or an agent of the employer ; ( ii ) to any Federal or State officer , agency, or department, or any officer, agency, or department of a unit of general local government ; ( iii ) to any self-regulatory organization with regulatory authority over the activities of the employer or employee ; ( iv ) as otherwise required by law ; or ( v ) pursuant to section 608.c AS stated above my credit report should not be given to any person aka banks which are corporations. Your reporting has defamed my name and cause character XXXX. the banks in which you have provided this information have used this report to deny me my credit, I ask you to immediately report that all the credit account is great standing. no balances and no late payments. Being able to obtain my information is unlawful. 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. Do you have a subpoena from the judge? if you do. please provide the subpoena ; i would really like to see it. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. ( XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or to review an account to determine whether the consumer continues to meet the terms of the account. Disclosure to Consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and please provide me the documentation that I have provided to you as evidence in furnishing my report. I am a private sovereign man and my personal information should be abused in the public this way. please have this issue resolved immediately! ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumers rights under section 615 ( a ) ( XXXX ) ; and the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. I have never received any communication from Transunion about any of the reasons listed above. no mail, no phone call. ( iv ) the consumer report does not contain a date of birth that shows that the consumer has not attained the age of XXXX, or, if the date of birth on the consumer report shows that the consumer has not attained the age of XXXX, such consumer consents to the consumer reporting agency to such furnishing. Again you have my date of birth which you are not allowed and i have never given you the permission to do so. ( XXXX ) Limits on information received under paragraph ( XXXX ) ( B ). A person may receive pursuant to paragraph ( XXXX ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. you have published late payments, utilization etc ... .. all these are unlawful. ( XXXX ) Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer. you have provided these to a person aka all the banks listed above and I never consented. you have so many inquiries I can not even count. all those should be removed from the report and i mean the violations are endless at this point.
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| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
37. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
38. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account XXXX : XXXX Please remove it from my credit report.
39. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
40. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr THE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX XXXX
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| 04/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by XXXX XXXX XXXX The creditor has violated several laws, including the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), and Fair Debt Collection Practices Act ( FDCPA ).
Regarding the FCRA violation, XXXX XXXX inaccurately reported a 30-day late payment on my credit report. This has had a negative impact on my credit score and my ability to obtain credit.
Furthermore, XXXX XXXX violated FACTA by reporting different Date Last Active dates to different credit bureaus, leading to discrepancies in my credit report. These discrepancies have caused confusion and frustration for me.
In addition, XXXX XXXX violated FDCPA by failing to provide any notification regarding the alleged 60 days past due status of my account. This lack of communication has caused significant stress and XXXX for me, as I was not aware of the situation until seeing it on my credit report.
Firstly, XXXX has inaccurately reported a 30-day late payment on my credit report, without providing any notification or paperwork. I never received any notification from them regarding this account status, nor did they provide me with any paperwork. In fact, the other two credit bureaus did not report any negative information on my account. While all three bureaus show that I was 30 days late on XX/XX/XXXX, I did not miss any payments on this account. This violation of the FCRA is in direct conflict with Section 623 ( a ) ( 2 ), specifically Subsection ( B ) of Section 623 ( a ) ( 2 ).
Secondly, there is a discrepancy in the Date Last Active date that was reported to different credit bureaus by XXXX XXXX XXXX XXXX XXXX. TransUnion and XXXX reported a Date Last Active date of XX/XX/2023, while XXXX reported it as XX/XX/2023. This violation of FACTA is in conflict with Section 312 ( a ) ( 1 ), specifically Subsection ( B ) of Section 312 ( a ) ( 1 ).
XXXX XXXX XXXX XXXX and reported by XXXX, XXXX, and TransUnion. I have been greatly affected by this inaccurate information, which has caused me great emotional distress and financial harm.
XXXX and XXXX have reported that my monthly payment was not reported, but TransUnion reports it as {$0.00}. Furthermore, TransUnion and XXXX show that my account balance is {$0.00}, but XXXX did not report it. This inconsistency could lead to discrepancies in my credit report and affect my creditworthiness.
XXXX has also reported that I was past due 30 days two or three times, even though I never received any notification or paperwork regarding these late payments. Moreover, the other two credit bureaus did not report any negative information on my account. All three credit bureaus reported that I was 30 days late on XX/XX/XXXX and XX/XX/XXXX, even though I did not miss any payments on this account.
These violations of the Fair Credit Reporting Act have caused me significant distress and hardship. As a result of these inaccuracies, I have been denied credit and have had difficulty securing loans. This has impacted my ability to obtain housing and other necessities.
XXXX XXXX XXXX XXXX XXXX account. According to all three credit bureaus, I was reported as being 30 days late on my payment on XX/XX/XXXX, but I did not miss any payment on this account. Furthermore, TransUnion and XXXX have reported the payment status as 60 days past due, but I never received any notification regarding this, nor did they provide any paperwork to support the claim.
Additionally, there are discrepancies in the Last Reported date and Date Last Active date between the different credit bureaus, which may lead to further errors in my credit report.
These inaccuracies and discrepancies have had a significant impact on my life. As a result of the negative information on my credit report, I have been denied credit and loans that I needed for my business and personal life. I have also been subject to higher interest rates and fees, which have made it difficult for me to manage my finances effectively.
I strongly believe that the actions of XXXX XXXX XXXX XXXX and the credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated Section 623 ( a ) ( 2 ), Subsection ( B ) of Section 623 ( a ) ( 2 ), and Section 623 ( a ) ( 1 ), Subsection ( B ) of Section 623 ( a ) ( 1 ).
I am requesting that you take appropriate action to enforce the legal provisions and ensure that XXXX XXXX XXXX XXXX and the credit bureaus remove these unverified accounts from my credit report.
XXXX XXXX XXXX XXXX XXXX According to XXXX XXXX, I was 30 days late on my payment on XX/XX/XXXX, and the payment status is past due 60 days. However, I never missed a payment on this account, and the other two bureaus did not report any negative information on my account.
This inaccurate reporting has caused me significant distress and harm. As a result of this error, I have been denied credit, and my credit score has suffered, making it difficult for me to obtain loans and other financial services. This has had a direct impact on my personal life, causing stress and XXXX
I believe that XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by inaccurately reporting my payment status and late payment to XXXX, without providing any notification or paperwork as required by law. This violates Section 623 ( a ) ( 2 ) of the FCRA, specifically Subsection ( B ) of Section 623 ( a ) ( 2 ).
I urge you to enforce the law and ensure that XXXX XXXX XXXX XXXX corrects this error and removes this unverified account from my credit report. Thank you for your attention to this matter.
Specifically, XXXX has reported that I was 30 days late on my XXXX XXXX account on XX/XX/XXXX, and that the payment status is due 30 days. However, I did not miss any payment on this account and the other two credit bureaus did not report any negative information on this account. Additionally, I never received any notification or paperwork regarding this supposed delinquency.
This inaccurate reporting has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 2 ), Subsection ( B ) of Section 623 ( a ) ( 2 ) which requires accurate reporting of payment status and late payment, and Section 623 ( a ) ( 1 ), Subsection ( B ) of Section 623 ( a ) ( 1 ) which requires consistent reporting of information to all credit bureaus.
XXXX ( account number XXXX ) to TransUnion and potentially other credit bureaus regarding my mortgage payment status. Specifically, TransUnion mentioned that the payment status is 60 days past due, which is inaccurate and damaging to my credit profile. I have never received any notification from XXXX regarding this 60 days past due account, and they have not provided me with any paperwork to support this claim. Furthermore, the other two bureaus have not reported any negative information on my account, contradicting the claim made by TransUnion.
I believe that XXXX has violated the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically Sections 607 ( b ) and 312 ( a ), respectively. These sections require consumer reporting agencies to provide notice to consumers before reporting negative information to their credit reports and to follow reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report.
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) has reported inaccurate information on my credit report. My account type is showing as open, even though it is actually a collection account. Furthermore, the creditor never sent me any paperwork notifying me that they had sold my account to a collection agency, which means that I did not receive proper notification as required by law.
These actions by XXXX XXXX XXXX XXXX XXXX of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ), which requires that credit reporting agencies and creditors report accurate and complete information to credit reporting agencies ; Section 611 ( a ) ( 1 ), which requires that credit reporting agencies maintain reasonable procedures to ensure maximum possible accuracy of consumer reports ; and Section 605 ( a ), which requires that credit reporting agencies maintain accurate and complete files on consumers.
Additionally, the collection agency that purchased my account from XXXX XXXX XXXX XXXX XXXX provide me with written notice of the transfer of my debt within five days of the transfer, as required by the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ). This failure to provide proper notice is a violation of FDCPA.
The false reporting and lack of notification by XXXX XXXX XXXX and the collection agency have had a profound impact on my life. As a result of their actions, I have been denied credit opportunities and have had to pay higher interest rates for loans and credit cards. I have been forced to delay important life milestones, such as purchasing a home or starting a family, due to the negative impact on my credit score.
Therefore, I am requesting that the above-mentioned creditors immediately remove the unverified accounts from my credit report as required by law. I hope that you will take action to enforce these legal requirements and prevent these creditors from continuing to harm consumers like myself.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
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I am an identity theft victim. The three major credit bureaus should have plenty of official documentation substantiating that fact. For the past XXXX years XXXX and TRANSUNION have made it impossible for me to monitor my report for errors or fraud and have refused to correct major fraudulent accounts that are backed by police reports and ID Theft Reports.
They continue to come up with new ways to block my reports and their agents will never tell me anything about why my reports are as they say inaccessible or non-existent. I know they exist. I understand the ID theft can make it more difficult but it really is as if they just would rather not deal with it then take the time to assist me.
They seemingly do whatever they can to block me from viewing my report and it has been this way for the past two years. They always claim a a team is aware of the issue and is on it, or I can not tell disclose any information for the protection of the file. Thats all well and good but I am person of which the file is made and I have the right to know whats on my credit report. After I tell them that, assuming I am not hung up on and this is my 10th attempt.. they will brush me off and tell me I must mail in every piece of identifying information I have. Which, despite the fact that puts me at even more risk for the type of id theft I am trying to address, will allow me to access my report maybe one time before it is blocked again and they are telling me I have to resend my identification again.
I had to contact the CFPB 2 years ago about a XXXX and XXXX XXXX, XXXX and XXXX Credit accounts that were opened or run up fraudulently in my name remaining on my report despite Police Reports and ID Theft reports being sent in by all methods they accepts multiple times. Three years later these accounts that I had to fight so hard to have removed- and was successful, have now been readied to my reports by way of debt collectors and they are rife with erroneous information that on its own, should be enough to have them removed from my file.
Additionally for about two years after the CFPB intervened which led to the accounts being permanently blocked from report my reports and had XXXX XXXX and XXXX corporate notifying me by mail that they had removed or reset the fraudulent accounts and that I would not be responsible for it.. I was finally able to breath thinking that their was finally a real way to hold the CRAs accountable and get them to finally do the right thing. A short time later I discovered, however, after being repeatedly hung up on and refused information that for taking my complaint to the CFPB I had been blacklisted. My report had been placed in a departments like XXXX XXXX XXXX department that made it so 98 % of the company could not help me or even open my report. That department was always closed or unreachable.
I found out that these type of departments are where your report ends up if you get the agencies like the CFPB involved. From what I understand the department is comprised of lawyers who ensure they shut you down while taking advantage of every loophole they legally can. It was quite frustrating. Somehow, a year and a half later, I made enough of a stink to get off of that list ( I think ) but ever since my report is either unavailable to me or there is some issue with it that makes it so no service can pull it, not even annual credit report. 50 calls and letters later they would add my ability to review it back and then a couple days later take it away again for months. I still can not dispute online, place a freeze online or do anything someone with active ID theft should be able to do to protect themselves and information immediately.
I even have their highest tier paid subscription and it still never works. None of their customer services reps will help at all in providing any sort of resolution to these issues.
My most recent issue and reason for this complaint is my repeated issues with accessing my report and the fact I have now have had two opportunities for credit that I have applied for be blocked. These companies were not even able to obtain a copy of my report. XXXX and other like services can not pull them either as I pay for their services and this feature, I should be able to have it pulled through them just like everyone else can.
When I called XXXX repeatedly, I continue to get different stories. The latest is that my report is blocked in some way that I have never heard of before and no one there can seem to remove it. Now I cant view my own report, nor can potential lenders and my identity can not be verified.. which has become a very big problem for me and has already cost me both time, money and comfort.
I want my report accessible like everyone else and for them to recognize my identity theft I am an identity theft victim. The three major credit bureaus should have plenty of official documentation substantiating that fact. For the past 3 years XXXX and TRANSUNION have made it impossible for me to monitor my report for errors or fraud and have refused to correct major fraudulent accounts that are backed by police reports and ID Theft Reports.
They continue to come up with new ways to block my reports and their agents will never tell me anything about why my reports are as they say inaccessible or non-existent. I know they exist. I understand the ID theft can make it more difficult but it really is as if they just would rather not deal with it then take the time to assist me.
They seemingly do whatever they can to block me from viewing my report and it has been this way for the past XXXX years. They always claim a a team is aware of the issue and is on it, or I can not tell disclose any information for the protection of the file. Thats all well and good but I am person of which the file is made and I have the right to know whats on my credit report. After I tell them that, assuming I am not hung up on and this is my 10th attempt.. they will brush me off and tell me I must mail in every piece of identifying information I have. Which, despite the fact that puts me at even more risk for the type of id theft I am trying to address, will allow me to access my report maybe one time before it is blocked again and they are telling me I have to resend my identification again.
I had to contact the CFPB 2 years ago about a XXXX and XXXX XXXX, XXXX and XXXX Credit accounts that were opened or run up fraudulently in my name remaining on my report despite Police Reports and ID Theft reports being sent in by all methods they accepts multiple times. XXXX years later these accounts that I had to fight so hard to have removed- and was successful, have now been readied to my reports by way of debt XXXX and they are rife with erroneous information that on its own, should be enough to have them removed from my file.
Additionally for about XXXX years after the CFPB intervened which led to the accounts being permanently blocked from report my reports and had XXXX XXXX and XXXX corporate notifying me by mail that they had removed or reset the fraudulent accounts and that I would not be responsible for it.. I was finally able to breath thinking that their was finally a real way to hold the CRAs accountable and get them to finally do the right thing. A short time later I discovered, however, after being repeatedly hung up on and refused information that for taking my complaint to the CFPB I had been blacklisted. My report had been placed in a departments like XXXX XXXX XXXX department that made it so 98 % of the company could not help me or even open my report. That department was always closed or unreachable.
I found out that these type of departments are where your report ends up if you get the agencies like the CFPB involved. From what I understand the department is comprised of lawyers who ensure they shut you down while taking advantage of every loophole they legally can. It was quite frustrating. Somehow, a year and a half later, I made enough of a stink to get off of that list ( I think ) but ever since my report is either unavailable to me or there is some issue with it that makes it so no service can pull it, not even annual credit report. XXXX calls and letters later they would add my ability to review it back and then a couple days later take it away again for months. I still can not dispute online, place a freeze online or do anything someone with active ID theft should be able to do to protect themselves and information immediately.
I even have their highest tier paid subscription and it still never works. None of their customer services reps will help at all in providing any sort of resolution to these issues.
My most recent issue and reason for this complaint is my repeated issues with accessing my report and the fact I have now have had XXXX opportunities for credit that I have applied for be blocked. These companies were not even able to obtain a copy of my report. XXXX and other like services can not pull them either as I pay for their services and this feature, I should be able to have it pulled through them just like everyone else can.
When I called XXXX repeatedly, I continue to get different stories. The latest is that my report is blocked in some way that I have never heard of before and no one there can seem to remove it. Now I cant view my own report, nor can potential lenders and my identity can not be verified.. which has become a very big problem for me and has already cost me both time, money and comfort.
Thank You.
|
| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Please note I'm sending this dispute due to new evidence. I'm not using any third party for this complaint and it's not a duplicate complaint. This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ). Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
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| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Please note I'm sending this dispute due to new evidence. I'm not using any third party for this complaint and it's not a duplicate complaint. This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ). Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
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| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the inaccurate information that is being reported on my credit report. The information being reported is not only incorrect but is also causing serious damage to my life. I believe that the creditor has violated several laws, including the FCRA and FACTA.
Under the FCRA, Section 611 ( a ) ( 1 ) ( A ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they report. However, my correct name, " XXXX XXXX XXXX, '' has been reported as " XXXX XXXX '', " XXXX XXXX '', and " XXXX XXXX XXXX ''. This is a clear violation of this section.
Furthermore, under Section 611 ( b ), credit reporting agencies are required to provide a free annual disclosure of consumer reports. I have requested a copy of my credit report and found that the information being reported is not accurate. I have the right to dispute any inaccurate information and have it removed from my credit report.
Under the FACTA, Section 312 ( a ) ( 1 ) requires that credit reporting agencies use reasonable procedures to ensure that the information they report is accurate. However, multiple addresses that are not associated with me have been reported, including XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This is a clear violation of this section.
In addition, Section 312 ( a ) ( 4 ) requires the credit reporting agencies to report the information in a way that is understandable to the consumer. However, reporting my name in various formats that do not reflect my correct name is a violation of this section. This has caused me significant emotional distress and has affected my ability to secure loans, obtain employment, and even find housing.
XXXX XXXX with account number XXXX. I have noticed several inaccuracies in the reporting of this account, which has negatively affected my credit score and my ability to obtain credit.
According to TransUnion, the last verified date of this account is XX/XX/XXXX, while XXXX did not report any verified date. Moreover, TransUnion reports the date of last activity as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX. XXXX also reported that I was 190 days late on XX/XX/XXXX, which is not accurate as I did not miss any payment on this account. Furthermore, both TransUnion and XXXX reported the payment status as charge off, but I have never received any notification from them regarding this charge off account, and they have not provided any paperwork to support it. Finally, TransUnion reports the last payment date as XX/XX/XXXX, while XXXX reports it as XX/XX/XXXX.
These inaccurate reports have caused significant harm to my credit score and financial well-being. I have been denied credit and have had to pay higher interest rates due to these errors. Moreover, the stress and anxiety of trying to correct these inaccuracies have taken a toll on my mental health.
I believe that XXXX XXXX has violated several laws, including the Fair Credit Reporting Act ( FCRA ) Section 607 ( b ), which requires furnishers of information to provide accurate information, FCRA Section 611 ( a ) ( 5 ) ( A ), which requires prompt notice of dispute to information provider, FCRA Section 623 ( a ) ( 2 ) ( B ), which requires the correction and deletion of inaccurate information, Equal Credit Opportunity Act ( ECOA ) Section 202 ( a ) ( 1 ), which prohibits discrimination, and Fair Credit Billing Act ( FCBA ) Section 1666 ( a ), which requires prompt correction of billing errors.
XXXX XXXX XXXX I have noticed several errors in the information reported on my account, which has had a significant impact on my life.
According to my credit report from TransUnion, the last verified date for my XXXX XXXX account is XX/XX/XXXX. However, the other XXXX bureaus did not report anything. Additionally, XXXX and XXXX are reporting a date of last activity of XX/XX/XXXX, while TransUnion is reporting XX/XX/XXXX. The date reported by TransUnion is also different from XXXX and XXXX. Furthermore, XXXX and XXXX are reporting that the date the account was opened was XX/XX/XXXX, while TransUnion is reporting XX/XX/XXXX.
The most significant error is that all three bureaus are reporting that I was 90 days late on XX/XX/XXXX, but I did not miss any payments on this account. This misinformation has caused my credit score to drop significantly, making it difficult for me to obtain credit, loans, and even employment.
I believe that XXXX XXXX has violated several sections of the Fair Credit Reporting Act, including Section 607 ( b ) for reporting inaccurate dates of last activity, last payment, and delinquency status. They also violated Section 611 ( a ) ( 5 ) ( A ) for failing to provide prompt notice of dispute to the information provider when I disputed the delinquency status of the account. Additionally, Section 623 ( a ) ( 2 ) ( B ) was violated when XXXX XXXX reported a delinquency status on the account when I did not miss any payments.
Furthermore, XXXX XXXX XXXX have violated the Equal Credit Opportunity Act Section 202 ( a ) ( XXXX ) by unfairly reporting me as delinquent on payments when I did not miss any payments.
XXXX ( Account XXXX : XXXX ).
The account is being reported as open, but it is actually a collection account. I never received any paperwork or notification from the creditor informing me that my account had been sold to a collection agency. This failure to notify me is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( a ) - Validation of debts.
Furthermore, I disputed the accuracy of the account with the collection agency, but they did not provide me with notice of the dispute to the credit reporting agencies, violating the Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 3 ) - Duty to provide notice of dispute.
In addition, the account is being inaccurately reported as an open account, when it should be reported as a collection account, violating the FCRA Section 623 ( a ) ( 5 ) - Duty to delete inaccurate information.
After a thorough review, I have identified several violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).
Regarding the collection account with the creditor XXXX, account number XXXX, the account is showing as open, but it is a collection account. The creditor never sent me any paperwork notifying me that my account was sold to a collection agency, and I was never informed of this change. This is a violation of FDCPA Section 809 ( a ), which requires that a validation notice be sent to inform the debtor of the debt and their right to dispute it within five days of the initial communication.
Regarding the collection account with the creditor XXXX, account number XXXX, the account is showing as closed, but it is a collection account. The creditor also failed to send me any notification that my account was sold to a collection agency, and I was never informed of this change. This is a violation of FCRA Section 623 ( a ) ( 5 ), which requires that inaccurate information be deleted.
Furthermore, I disputed the accuracy of both of these collection accounts, and the collection agency failed to provide me with notice of the dispute to the credit reporting agencies. This is a violation of FCRA Section 623 ( a ) ( 3 ), which requires that notice of a dispute be provided.
Upon reviewing my report, I have noticed multiple inquiries made without my authorization or a permissible purpose. The following inquiries were made without my knowledge or consent : XXXX XXXX XXXX # XX/XX/XXXX XXXX XXXX # XX/XX/XXXX XXXX # XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX believe that these inquiries were made without a permissible purpose, which is a violation of Section 604 of the Fair Credit Reporting Act. Additionally, Section 607 requires consumer reporting agencies to maintain reasonable procedures to ensure that the information in credit reports is accurate. By allowing these unauthorized inquiries to appear on my report, the reporting agencies have failed to comply with this section.
Furthermore, I have disputed the accuracy of some of the inquiries on my credit report in the past, but the consumer reporting agencies failed to conduct a reasonable investigation or correct the inaccurate information, which is a violation of Section 611.
These unauthorized inquiries have had a significant impact on my life. I have been denied credit and other financial opportunities due to the negative impact on my credit score caused by these inquiries. This has caused me a great deal of stress and anxiety, as I am unable to provide for my family in the way that I want to.
I request that these unauthorized inquiries be removed from my credit report immediately, as they are inaccurate and a violation of my rights under the Fair Credit Reporting Act. I also request that the consumer reporting agencies conduct a thorough investigation into this matter and take appropriate action to prevent similar violations from occurring in the future.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am contesting any information on my credit report that I believe to be inaccurate. The data included in my credit report must be validated before it is included on my report. I can not recognize or accept the allegation of delinquency and derogatoriness without factual proof. I challenge the reportability of this allegation, which does not meet federal or state reporting requirements.
For any account that is alleged to be delinquent or derogatory, I request evidence that shows why the account is considered to be in that state. This should include proof of a permissible purpose for any inquiry into the account. i gave them 30 days to investigate the matter and confirm that it is being reported correctly or remove it from the report. If any of these claims are not true, please delete them immediately.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting that there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately. The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true. After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute their allegations and challenge them to provide proof that they have the right to report this incomplete negative information about me. Document that they have complied with the reporting requirements, and report without any deviations. If they have not complied with the requirements or there are any negative aspects below that have been challenged, they must remove them from my report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates Also per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports. With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If they continue to report claims that are not perfect, it shows that they do not care about my rights as a consumer.I don't think it's fair for them to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Dismissed XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Discharged According to the Fair Credit Reporting Act, Section 611 of FCRA you have a responsibility of promptly deleting any information which is inaccurate or incomplete so it doesn't get reported in my report! This is my understanding as well. It's important to note that under the FCRA, even if an account has only been speculated upon or never confirmed in any waythe burden falls on you ( the credit bureau ) to provide evidence of its veracity before it can be placed on my credit reportThe information in my credit report is wrong! It was never proven to be factual, so now I have decided that enough 's enough and will exercise my consumer rights.The following account allegations are either untrue, unverified and incorrect. Please remove them immediately or I will have no choice but to take legal action against them Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging them to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because they should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for them : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 CRRG states that any deviation from these standards jeopardizes the integrity of data.
This is a serious issue! The integrity of their data could be compromised if these standards aren't followed. The report they sent me is not accurate. Are they sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts. Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Below is a summary of the data in which I am challenging : Summary of Public Records being challenged in list form XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Dismissed XXXX XXXX Bankruptcy ( XXXX ) - ( XXXX ) Dismissed I am challenging any inaccuracies in my report, under the Fair Credit Reporting Act ( FCRA ) section 611 and Metro 2 compliance standards . I also require that all inquiries within my credit profile have a permissible purpose and be accurately sourced, in order to stay on top of any potential issues.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This document is my request for any information on my delinquency or derogatory behavior. I would like this information to be reported accurately and completely in accordance with all established laws and standards. I want any potential negative information to be confirmed. I want to know the absolute truth and facts about it, even if it is certified they need to have a process for reporting which follows the Metro 2 data field formatted reporting standard. I don't think their report is accurate because of the claims in this complaint. I don't think your report is accurate.I challenge them to make a document that shows all of the evidence for each claim. The document should be verified as correct, complete, and true. they should be aware that, according to the 2020 CRRG : " ANY DEVIATION OF THESE STANDARDS JEOPARDIZES THE INTEGRITY OF THE DATA ''. The report they sent me does not seem to be accurate. I am not sure if the reporting process was done correctly or if the format is correct.
Because of this, I can not say that your claims are accurate. Even if the collection rights are still valid, which is not clear, their claims would not meet the minimum requirements for a legal and ethical report.The below-noted claims are disputed and have not been confirmed as facts.I am requesting that they remove any false accounts from my credit report. I only want factually accurate, verified, and compliant data documented on my credit report.
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| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX, declare under penalty of perjury that the information provided in this statement is accurate and true to the best of my knowledge.
I am the victim of identity theft, which has affected multiple accounts listed under my name.I previously notified the respective creditors and financial institutions of my change of address due to an incident of mail theft. Despite this notification, these entities failed to update my records accordingly.
This has resulted in unauthorized and fraudulent activities on the mentioned accounts, reflecting a serious case of identity theft.The continued reporting of these accounts with incorrect and unauthorized information has led to adverse effects on my credit report, significantly impacting my financial standing and reputation. decisions were made and actions were taken under my name without my knowledge or consent.I have never authorized or consented to delinquent payments OR collections OR charge-offs.Identity Theft and Assumption Deterrence Act, enforced by the U.S. Department of Justice . These laws are designed to protect individuals from unauthorized use of their personal information and to ensure accurate and fair reporting of credit information.According to the U.S. Department of Justice, identity theft involves the unauthorized use or misuse of another individual 's personal information for fraudulent purposes. In my case, the failure to update my personal information, specifically my address, despite being duly notified, has led to circumstances that parallel identity theft.
The misdirected communications and unauthorized actions on MENTIONED accounts, due to the address not being updated, have resulted in my personal information being used in a manner that I did not authorize. This negligence has facilitated financial decisions and activities under my name without my consent, closely mirroring the essence of identity theft The mishandling of my personal information and the subsequent adverse effects on my accounts and credit report constitute a violation of my rights under various laws, including the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act, enforced by the U.S. Department of Justice and more. These laws are designed to protect individuals from unauthorized use of their personal information and to ensure accurate and fair reporting of credit information.Identity Theft Definition from Justice.gov : " Identity theft and identity fraud... involve someone wrongfully obtaining and using another person 's personal data in a way that involves fraud or deception, typically for economic gain. '' The wrongful use of my personal information and the resulting financial harm align with this definition, exacerbating the seriousness of your actions.
1. Critical Error in Address Reporting and Its Direct Impact : The presence of multiple incorrect addresses on my credit report, despite my provision of updated and accurate information, has led to grave misverification of accounts. This situation extends beyond clerical error, reflecting a severe breach of accurate reporting. Such inaccuracies have unjustly impacted my credit history and financial standing.
2. Demand for Substantial Verification Evidence : Under the Fair Credit Reporting Act, I demand more than just a copy of my credit report as proof of verification. There is a legal obligation for TransUnion to provide substantial, tangible evidence validating the addresses and associated account information reported. Failure to provide this level of verification represents a significant breach of your duties.
3. Importance of IRS Form 1099-C in Debt Verification : For charged-off debts, it is imperative that the original creditor files Form 1099-C with the IRS, particularly when the debt is sold. This documentation is crucial for accurate credit reporting and must be part of your verification process. I insist on a thorough verification of debt statuses using such essential documentation.
4. Detailed Explanation of Legal Violations by TransUnion Tailored to my Situation : Uniform Commercial Code ( UCC ) Violation : UCC 9-102 ( a ) ( 73 ) requires accurate financial reporting in secured transactions. TransUnion has breached this by incorrectly reporting my address and account information, which is fundamental to the accuracy of secured transactions.
RICO Act Violation : Under 18 U.S.C. 1962, TransUnions repetitive inaccurate reporting and failure in verification processes constitute a pattern of racketeering activity. This systematic issue is evidenced by the ongoing misverification of my account details and address information.
Wire Fraud Violation : In accordance with 18 U.S.C. 1343, TransUnions use of electronic communication to disseminate and maintain inaccurate credit reporting information in my case is indicative of wire fraud, assuming an intent to defraud through persistent misinformation.
Bank Fraud Violation : As defined in 18 U.S.C. 1344, TransUnion 's misreporting practices, particularly involving financial information, align with executing a scheme to defraud or to obtain funds under false pretenses, impacting my financial transactions and relationships.
Fair Credit Reporting Act ( FCRA ) Violation : TransUnion has violated 15 U.S.C. 1681e ( b ) by not following reasonable procedures to ensure maximum accuracy in my credit report. Additionally, their failure to properly reinvestigate disputed information, as required by 15 U.S.C. 1681i, is a clear breach of the FCRA in my case.
Gramm-Leach-Bliley Act ( GLBA ) Violation : The mismanagement of my personal information, particularly in updating and verifying my address, breaches 15 U.S.C. 6801-6809, which demand the protection of consumer information 's security and confidentiality.
Identity Theft and Assumption Deterrence Act Violation : The mishandling of my address information and the consequent risk of identity theft align with violations under 18 U.S.C. 1028, particularly given the unauthorized use of my personal information.
Electronic Fund Transfer Act ( EFTA ) Violation : the inaccuracies on my credit report involve electronic fund transactions, TransUnion is in violation of 15 U.S.C. 1693-1693r, which govern the conduct of electronic fund transfers.
Truth in Lending Act ( TILA ) Violation : Under 15 U.S.C. 1601 et seq., TransUnions misreporting of credit accounts and associated data fails to meet the accuracy standards required for the disclosure of credit terms.
Fair Debt Collection Practices Act ( FDCPA ) Violation : The misrepresentation of my debt-related information by TransUnion is a breach of 15 U.S.C. 1692-1692p. Although TransUnion is not a debt collector, their inaccurate reporting contributes to misleading representations about debts.
Consumer Financial Protection Act ( CFPA ) Violation : Under 12 U.S.C. 5531, TransUnion 's actions in my case, including inaccurate reporting and inadequate dispute resolution, constitute unfair and deceptive practices.
Electronic Signatures in Global and National Commerce Act ( E-SIGN ) Violation : electronic records or signatures were involved in my interactions with the credior TransUnion must verify that an orignal contract of application is verifed and provided to me becuasei f not this constitutes it was mishandled, this would constitute a breach of 15 U.S.C. 7001 et seq.
Right to Financial Privacy Act ( RFPA ) Violation : The inappropriate handling or disclosure of my financial records by TransUnion is in violation of 12 U.S.C. 3401 et seq., designed to protect consumer financial privacy becuase they currently have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as my address and this is not my address or previous address and they have allowed creditors to send them this information and report it and everytime i apply i may get denied because of this false address along with other false address besides XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Accounts Affected : The errors have impacted several accounts, including but not limited to : XXXX Account ( XXXX ) : Incorrectly reported late payments.
XXXX ( XXXX LEASETERM SOLUTIONS, XXXX ) : Original Creditor Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies.
XXXX XXXX ( XXXX XXXX, XXXX ) : Original Creditor Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies.
XXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies.
XXXX XXXX XXXX XXXX XXXXXXXX ) : Failure to update address leading to misinformation & false reporting & Erroneous collection/charge-off reporting Misreported credit information due to address discrepancies.
XXXX XXXX ( XXXX ) incorrectly reported late payments.
adverse entries on my credit report without ensuring I had received the necessary account notifications is akin to making financial decisions in my name. By failing to update my address and subsequently reporting adverse actions, creditors & transunion violated my consumer rights. The unauthorized reporting of a collection or chargeoff or llate payment stemming from their mishandling of my information, mirrors the consequences of traditional identity theft.
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| 09/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 10. I did dot give them permission to check my credit you will not find my signature on these XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 11. I did dot give them permission to check my credit you will not find my signature on these XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 12. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 16. I did dot give them permission to check my credit you will not find my signature on these XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 17. Validate Inaccurate/Reported Late payment XXXX XXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report. 18. Identity Theft XXXX XXXX XXXX Account Number : XXXX Delete this account. 19. Validate Inaccurate/Reported Late payment XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 20. Identity Theft XXXX Account Number : XXXX Delete this account. 21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 26. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 28. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 29. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX 30. The following personal information is incorrect Account Number : EMPLOYER : XXXX AND XXXX 31. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 32. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 33. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 34. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 35. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 36. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 37. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 38. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 39. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 40. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 41. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 42. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 43. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 44. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 45. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 46. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 47. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 48. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 49. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 50. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately.
51. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX 52. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 53. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 54. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX 55. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 56. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 57. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 58. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 59. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 60. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 61. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 62. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 63. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 64. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 65. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 66. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report. 67. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 68. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report. 69. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 70. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX 71. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 72. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 73. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 74. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX
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| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Pursuant to the Fair Credit Reporting Act, I have given this agency written instructions to cease the reporting of accounts stated in the attached dispute letter and they have denied my request which violates the FCRA. My financial information is nonpublic information and I have a right to privacy as well as to opt out of the reporting as required by law. Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a to report those accounts.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the XXXXureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
17 CFR 248.124 - Reasonable opportunity to opt out.
XXXX Reasonable opportunity to opt out.
( a ) In general. You must not use eligibility information that you receive from an affiliate to make marketing solicitations to a consumer about your products or services unless the consumer is provided a reasonable opportunity to opt out, as required by XXXX ( a ) ( XXXX ) ( ii ).
( b ) Examples of a reasonable opportunity to opt out. The consumer is given a reasonable opportunity to opt out if : ( XXXX ) By mail. The opt out notice is mailed to the consumer. The consumer is given 30 days from the date the notice is mailed to elect to opt out by any reasonable means.
( XXXX ) By electronic means.
( i ) The opt out notice is provided electronically to the consumer, such as by posting the notice at an Internet Web site at which the consumer has obtained a product or service. The consumer acknowledges receipt of the electronic notice. The consumer is given 30 days after the date the consumer acknowledges receipt to elect to opt out by any reasonable means.
( ii ) The opt out notice is provided to the consumer by e-mail where the consumer has agreed to receive disclosures by e-mail from the person sending the notice. The consumer is given 30 days after the e-mail is sent to elect to opt out by any reasonable means.
( XXXX ) At the time of an electronic transaction. The opt out notice is provided to the consumer at the time of an electronic transaction, such as a transaction conducted on an Internet Web site. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction. There is a simple process that the consumer XXXX use to opt out at that time using the same mechanism through which the transaction is conducted.
( XXXX ) At the time of an in-person transaction. The opt out notice is provided to the consumer in writing at the time of an in-person transaction. The consumer is required to decide, as a necessary part of proceeding with the transaction, whether to opt out before completing the transaction, and is not permitted to complete the transaction without making a choice. There is a simple process that the consumer XXXX use during the course of the in-person transaction to opt out, such as completing a form that requires consumers to write a yes or no to indicate their opt out preference or that requires the consumer to check XXXX of XXXX blank check boxesone that allows consumers to indicate that they want to opt out and XXXX that allows consumers to indicate that they do not want to opt out.
( XXXX ) By including in a privacy notice. The opt out notice is included in a GLBA privacy notice. The consumer is allowed to exercise the opt out within a reasonable period of time and in the same manner as the opt out under that privacy notice.
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| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/1988 Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
XXXX. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX -This is not my employer. Delete it immediately from my report.
XXXX. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Thomas Ward Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Please note I'm sending this dispute due to new evidence.
This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED!
Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer.
All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ).
Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ).
Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ).
Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
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| 12/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... .. so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.
Acts 1986, No. 1031, 1.
civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!!
The following accounts listed on my transunion as follows XXXX XXXX XXXX- I havent lived in XXXX XXXX , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( XXXX ) I have contacted this creditor no response I mailed transunion 2 separate Times to validate these debts which they found and deleted and some home this account is on my credit again for the 4th time with a different age date.
XXXX XXXX old account, re aging debt thats not mines and not validated properly, was deleted and now back on transunion .
XXXX XXXX XXXX XXXX- over 5 years old debt not mines and was deleted because they couldnt validate and now back on transunion .
XXXX XXXX XXXX- over 3 years old, XXXX purchased anything from XXXX XXXX, not my debt and has been deleted and back on my credit as a new age debt with transunion XXXX- reporting as open and is closed 3 years old.
XXXX XXXX - 3 years old and balance wrong XXXX XXXX- reporting open and is closed also has another creditor collecting ( XXXX XXXX ) cant collect same debt twice. Delete XXXX XXXX- old 3 years and balance incorrect..
XXXXXXXX XXXX- $ 3 years old and charged off. Delete Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies.
( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection.
( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion.
With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thanks happy holidays XXXX.
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| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX ( XXXXXXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page..
.
I look forward to your response.
Attachment included Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX is a roofing repair company, after I bought my home its financed with XXXX XXXX weeks later I got hit with Hail it damaged my roof, after my insurance paid this company, they said the extra shingle called bullet proof is not covered, and wanted me to finance with them for about little over {$3900.00} with small % interest, this is back in XXXX of XXXX, and its a installment loan they said, years to come I was A victim of XXXX XXXX personal information breach in XXXX, my credit from XXXX to XXXX in less than 30 days, ( I will tell whom it may concern know why I tell you this at the end ) I had all my acct frozed by creditor, even that I managed pay 85 % of my debt off and few small one couldnt save, and fraud acct just keep showing up, but yet I paid 85 % my acct in full before that my payment history is perfect, and this company I never miss a payment, always on time and I have the pay history printed with XXXX XXXX, as well my bank XXXX direct payment each month, I sold my home, my asset to get money and pay off those acct that the creditor closed, and I paid off my home with the selling fund, and I saved half to takecare my XXXX kids and my wife plus my Mom, I was her care giver for 11 years before I lost her to XXXX, more XXXX and deeper XXXX and the lost of my mom its very hard, mentally and physically, but still made my bills on time, plus dealing with credit Bureaus, XXXX send me doc and reason about my identity breach they did, and that is pretty much all they did, no help from them even today, where is my protection? As well I submit the XXXX breach to my credit card company and my XXXX XXXX, because I was XXXX credit score and got all premium checking, 1.9 % rate on credit cards, 3.9 % on loans and all that should have {>= $1,000,000} identity protection and fraud, like XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, they all advertised the benefit to have the premiums acct and credit card, thats why I got them, even this Roffing company too!! But not one company helped me to use the benefit of premium accounts, those company says someone from our credit department and fraud team will reach out!! Weeks, month, years gone, I still made my payment on time, not one company reached out, finally I took all I can about my breach, every time I rebuild my score up close to 680, another fraud reporting shows up, myself I disputed over 20 items some item more than twice, and I was in deep XXXX also mentally drained by the credit bureaus and those acct, but I still pay my bills on time, cant get a loan because my score sucks, every derogatory acct that shows up drop my score, every time I dispute and win the bureau remove the negative but refuse to recover my credit scorXXXX, XXXX ruined my life, sold my home and everything I could sell and working 70 hours a week for my family it kept us head above water, Iam physically injured as well mentally, but my family keep me going, so in XXXX XXXX I couldnt deal with the harassment fraud collection calls and every time I removed a fraud report acct I had to start from bottom again, like the XXXX XXXX XXXX XXXX false report a line of credit that was put on incase I over draw my checking for over draw protection in amount Of {$2000.00} line of credit, I never used it didnt have to, but when they closed all my credit cards and loan I had with them, some how this line of credit shows a balance of {$2000.00}? I dispute it and they remove it but add another negative report, same acct now show a late fees {$210.00} I think with XXXX balance used? So I dispute it again and they not only refuse to remove it but added a 3 rd report it shows {$2200.00} and with no not 1 payment history because I did not use it, I went to XXXX XXXX XXXX XXXX and ask them to provide any paid ACH or check on that fraud acct, I ask for any report on that line of credit any!! They couldnt because its fraud what they did, it took me 6 visit and tons of phone call for them to finally said that acct was mistaken to a personal loan acct, some how it crossed or merged by human error, and the {$2000.00} personal loan was paid years back but they accidentally reopened, all the damaged that credit union did on me is nightmare, and its like OH Sorry mistake was made, our credit department will submit the right info wait 30 to 40 days to up date they said!! Well all that fraud reported fake acct us still on my credit, only thing they did was on 1 of that shows XXXX balance no payment history but has derogatory mark on it because they reported XXXX late payment only on the whole payment history, XXXX nd report same acct shows high balance {$2200.00} paid as agreed XXXX late but went to charge off?? The 3rd fraud report has XXXX balance with every thing good but has that balance!! So I give up, I want to know WHERE IS MY BREACH SUPPORT??? Same thing happened with XXXX XXXX false report and few other negative acct on my report as closed derogatory acct!! But back to XXXX XXXX, that installment is nearly paid off, on time payment, but everything around me just too much because the breach nearly broke me, my family!! So I talk to attorney and he advise me file XXXX XXXX, it will pay back the real acct I still was paying and block the dark web fraud acct to be in my credit, I filed XXXX only has those fraud reporting only!! But in XXXX XXXX XXXX had to put all acct in it the rules, when I did and reach out to my acct company to tell them, this XXXXoofing company XXXX XXXX transfer me to 3 level up I think it was the owner, small company, she said, she dont care about the XXXX, she will keep the XXXX each month from my bank until its paid! And if I dont pay her in full, she said she can come after my wife for any balance!! That should be illegal I told her, but she said no it totally legal!! So while in XXXX XXXX, trustee send them payment each month, and they ACH my bank every month with regular payment, I told them is so illegal because now not only its paid off but they took Bankruptcy Trustee payment and my back payment, she refuse to refund the extra she took, but she fraudulently planed and reported on my credit report late each month with no payment received, so my report shows nearly 30 payment late from 30 to 60 to 90 than 120 strait on in 2 and a half years time, luckily I print a full statement from my online acct with XXXX XXXX site, it shows perfect payment history for many years and back by my bank recorded on XXXX each month, they fraudulent report late so the court or who ever look into will say I never made a payment after XXXX!! But they did not know I have the statement of payment from their site, worse they reported serious delinquent payment and send it to charge off in the XXXX under Mortgage Loan not installment loan, so I disputed it 3 times now it removed to installment loan in XXXX but still shows as Mortgage loan on XXXX, it dropped my Mortgage XXXX XXXX to low XXXX and when I told the credit bureaus on that, not only they didnt fix it but the Bureaus removed my great paying history Mortgage history, XXXX XXXX is no where on any credit bureau, gone but what is on it is the fraud report a installment loan I made perfect payment on report by XXXX XXXX as a multiple late payment as well charge off my my mortgage score!! My last dispute few months back now shows paid as agreed 0 late payment but a {$2600.00} open balance and on the report itself shows 0 balance and still has derogatory on the acct in mortgage loan, in the whole process forgot to mention XXXX XXXX submitted deceased to XXXX so XXXX think I am deceased and would not investigate that account because what XXXX XXXX did take money from me from XX/XX/XXXX to the day I caught them which was in XX/XX/XXXX and XXXX wiped away all my personal information as deceased from XX/XX/XXXX until I had to hire my attorney to prove Iam not dead, it was from the worse in my Iife and added whats worse than a worse 3 years of my life, XXXX to XXXX, I was breached by XXXX 3 times and report deceased and cant even get a loan to buy a pencil, All because people just dont care. XXXX breach my information without even admitting or apology but they sent me a few emails about your personal information has been breached and thats all they did and company like XXXX XXXX willing to fraud the system, commit a crime just to steal 3 years of my hard earned money to benefit them. And what theyve done, reporting me as deceased, it was planted, intentional reporting fraud just to gain money. In the process, physically and mentally injured me and almost broke my family apart. To whom it may concern, what they did to me its worse than murder. I have all the credit reports all the disputes all the statements to prove it, Iam asking for someone or some firm to bring me justice because the worse crime has been done to me and my family worse than death, a nightmare I cant seem to wake up, as US Citizen, a foreign made company from Saudi area that is the owner of XXXX XXXX XXXX XXXX XXXX made fraud and criminally hurting my family, and XXXX XXXX XXXX XXXX and few other just really dont care what impact it will be hurting people by the careless way they handle our ( people ) hard working pay bills on time to be a responsible human whole life ruined by them, Iam also sending this true statement to News and media and looking to suit those done me criminally damage my everything, thank you please help! XXXX XXXX XXXX XXXX or XXXX, thank you.
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| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page..
.Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name______XXXX XXXX________ Date XXXX Account Number___585637________________________________ Reason for dispute___ identity___theft_______________ Account XXXX I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX This XXXX is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
.
I look forward to your response.
Attachment included INQUIRIES THAT I DIDNT AUTHORIZE AND HAD NO KNOWLEDGE OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act.
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report.
1. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX XXXXate of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
4. These inquiries were not authorized by me and I would like them to be removed ASAP XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.
6. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
9. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry.
10. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry.
12. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry.
13. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSEPRETENSES XXXX XXXX Account Number : XXXX Please remove it from my credit report.
14. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
15. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
16. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
19. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
20. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
21. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
22. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
23. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
25. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
26. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore, please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information as contained on the reported trade- line is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please do not provide some generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study proved that over 79 % of consumer credit reports contain errors. Another report shows that more than 90 % contain errors. Why does your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA, as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful non- compliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this request and greeting your mistakes CORRECTED.
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS OFFICE Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau1XXXX XXXX XXXXXXXX XXXX Washington , XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau via fax ( XXXX ) XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency
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| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I asked the credit bureaus to do a verification of everything on my credit report on which it was done, credit bureaus stated that some accounts were accurate, verified some were deleted, I did a thorough research of my credit report and found improper inaccuracies on my credit report after the credit bureaus did a thorough research.
My new address is XXXX XXXX XXXX XXXX NJ, XXXX my previous is address is XXXX XXXX XXXX XXXX ny XXXX there address being reported that I am no longer associated with like for example - XXXX XXXX XXXX XXXX ny XXXX - XXXX XXXX XXXX XXXX ny XXXX XXXX - XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX ny XXXX XXXXXXXX XXXX All addresses on with im no longer associated with there are being reported on my personal information of all 3 credit bureaus.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # : XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and transunion but is not reported on XXXX is shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX the comments are completely different on bureaus XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on transunion but is not reported on XXXX and XXXX is completely blank is shows that last date active on transunion XX/XX/XXXX.
XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and transunion and XXXX but it shows that last date active on transunion XX/XX/XXXX on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX COMPLETLY DIFFERENT the comments are completely different on bureaus XXXX ( Original Creditor : XXXX ) In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX but is not reported on XXXX and XXXX is shows that last date active on transunion XX/XX/XXXX there is no information on transunion and XXXX.
XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on transunion but is not reported on XXXX and XXXX is shows that last date active on transunion XX/XX/XXXX.
XXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and transunion and XXXX it shows that last date active on transunion XX/XX/XXXX on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX last reported date is as follows transunion XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX the comments are completely different on bureaus XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on transunion but is not reported on XXXX or XXXX is shows that last date active on transunion XX/XX/XXXX.
XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX but is not reported on transunion It shows that last date active on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX last reported date is as follows XXXX XX/XX/XXXX XXXX XX/XX/XXXX trasnunion ( NONE ) the comments are completely different on bureaus XXXX XXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX only but is not reported on transunion and XXXX is shows that last date active on transunion XX/XX/XXXX.
XXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and transunion and XXXX but it shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX the comments are completely different on bureaus.
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on transunion ONLY it shows that last date active on transunion XX/XX/XXXX.
XXXX XXXX XXXX ( Original Creditor ; XXXX XXXX XXXX XXXX ) In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and transunion and XXXX it shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, last day reported are as follow transunion XX/XX/XXXX XXXX XX/XX/XXXX equifax XX/XX/XXXX the comments and payment status are completely different on bureaus.
Extra In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and XXXX but is not reported on transunion it shows that last date active on XXXX XX/XX/XXXX and on XXXX XX/XX/XXXX last reported date are as follow XXXX XX/XX/XXXX and XXXX XX/XX/XXXX the comments are completely different on bureaus XXXXXXXX XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and transunion but is not reported on XXXX it shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX the comments and payment stats are completely different on bureaus.
XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and transunion but is not reported on XXXX it shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX the comments and payment status are completely different on bureaus XXXX XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and transunion and XXXX it shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX and XXXX XX/XX/XXXX, Last Reported date are as follow transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX the comments and payment status are completely different on bureaus XXXX In Accordance with the fair credit reporting act XXXX account # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions is reported on XXXX and transunion but is not reported on XXXX is shows that last date active on transunion XX/XX/XXXX and on XXXX XX/XX/XXXX the comments are completely different on bureaus.
Along with this complaint Ive attached my latest credit report where I circled where all the improper inacuracies are.
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| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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Dear Sir or XXXX of the Federal Trade Commission ( FTC ), Hello my name is XXXX XXXX XXXX XXXX and I am a XXXX XXXX XXXX 100 % XXXX American Veteran who has been disputing this whole year starting in XX/XX/XXXX and still am disputing with Trans Union till this day of XX/XX/XXXX but now I do not know what to do. I have filed many CFPB complaints ( see section below called CFPB complaints against Trans Union ) plus attachments called CFPB complaint against trans union dated XX/XX/XXXX XXXX XXXX and XXXX, cfpb complaint against trans union dated XX/XX/XXXX XXXX, cfpb complaint against trans union inquiry removals XX/XX/XXXX XXXX, letter to attach to cfpb complaint against trans union XX/XX/XXXX XXXX XXXX and XXXX, violations for inquiry removals by trans union dated XX/XX/XXXX smaller size.pdf and violations to send to cfpb against trans union on account removals dated XX/XX/XXXX send me again next smaller size.pdf for all my letters that were sent to Trans Union, all my investigation reports from Trans Union and all the credit reports that were sent from Trans Union, that I sent to the CFPB and filed a complaint against Trans Union but all the CFPB did was to forward all that information to Trans Union but nothing ever was done by Trans Union. In my last complaint dated XX/XX/XXXX I even specifically asked the CFPB to complete their own investigation in my disputes and against Trans Union directly for multiple violations that I, myself, has noticed through this past year. Now I also sent a complaint to the Missouri Attorney General XXXX XXXX please see the attachment called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXor a complete complaint against Trans Union for inquiries and accounts removals that were not being taken seriously by Trans Union.
As I have said above I am at a point that I do not know what to do to get these inquiries and accounts removed permanently from my credit report because I have used factual based disputes using the facts directly from XXXX XXXX XXXX XXXX which included copies of the investigation and credit reports from Trans Union plus my own notes written on them with diagrams pointing out and every one of the inaccuracies and violations that I have seen. Now I am no expert on the FCRA laws nor am I a lawyer or a credit repair company, I am just someone who is trying to improve their life and the lives of my children by doing their own credit sweep or credit repair but Trans Union acts like they are just ignoring my disputes or are just deploying every stall tactic they can at me and I know they are in the business of making money by the many accounts that are sub prime in all of the individuals they report on. But who are they that they decide on what to keep and what to delete? Are they not required to report to and face their mistakes? Therefore I am including an attachment called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX through XX/XX/XXXX XXXX so you can see and verify that I am not lying about the violations I have noted since XX/XX/XXXX up till today, XX/XX/XXXX plus I am attaching a file I created called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX which includes the following pages : XXXX. XXXX XXXX XXXX XXXX accounts dated XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX which shows all 11 accounts that I have been disputing all this time with every inaccuracy and violation I have seen highlighted in a different color. After the 3 different months there is a page that has all 3 dates side by side for a comparison plus below that chart there is the payment history of all 3 dates.
2XXXX XXXX XXXX XXXX XXXX accounts dated XX/XX/XXXX pages XXXX XXXX which shows all XXXX accounts that I have been disputing all this time with every inaccuracy and violation I have seen highlighted in a different color. This was the odd date that had only the one date.
XXXX. XXXX XXXX XXXX XXXX accounts dated XX/XX/XXXX XX/XX/XXXX pages XXXX XXXX which shows all XXXX accounts that I have been disputing all this time with every inaccuracy and violation I have seen highlighted in a different color. After the 3 different months there is a page that has all 3 dates side by side for a comparison plus below that chart there is the payment history of all XXXX dates.
4. XXXX XXXX XXXX XXXX accounts dated XX/XX/XXXX XX/XX/XXXX pages XXXX XXXX which shows all 11 accounts that I have been disputing all this time with every inaccuracy and violation I have seen highlighted in a different color. After the 3 different months there is a page that has all 3 dates side by side for a comparison plus below that chart there is the payment history of all 3 dates.
5. Proof Trans Union does not do a reasonable investigation but rather depends on XXXX XXXX XXXX XXXX.
XXXX. Proof that Trans Union does not update information/data when they say that they updated the information/data in the accounts. XXXX XXXX XXXX.
7. Proof Trans Union maliciously and willfully attacks my credit score by keeping all the accounts that are sub prime by deleting only those that have no late payments. XXXX XXXX XXXX.
In my dealings with Trans Union while trying to fix my own credit these are some of the violations, errors and mishaps I have noticed : Failing to enter the required notice of dispute in the comment section.
Failing to complete or do an investigation by examining the date last reported date.
Re-aging of some accounts by observing the date last active.
Failure to update or delete ( I chose delete ) inaccurate, incomplete, erroneous and just outright wrong data even after I pointed it out to them multiple times.
Deleting positive accounts while leaving negative ones in my credit report. ( They deleted 2 old XXXX XXXX accounts the were showing current and paid but left all the other ones that had late payments ).
Missing new creditor or owner information on accounts that were transferred ( most of my old paid off student loans ).
Verifying accounts as accurate when there was never any investigation done and no I am not including XXXX as a legitimate investigation method.
Failing to provide method of verification and other documents when I asked for them to dispute with the original creditors.
Failing to complete an investigation in the 30 day time frame.
Having multiple charge-offs on a single account. There shouldnt be any activity after the first charge-off right?
On my credit report there are some accounts that, seems to me, are under attack from the bureaus. I am referring to the credit cards where they dont put in any high credit value but rather state in the comment section XXXX is the limit. Is this a blatant and malicious attack on my credit score?
There are multiple date last active dates on some of the accounts.
There are many many inaccuracies in my reports ranging from 2 or 3 different open dates all the way to having one month say its paid on time and the very next month be 90 days late plus a whole lot more that has been brought up to Trans Union by me in my disputes.
Reporting incorrect and inaccurate data / information even after I showed them all the errors in my numerous disputes.
Failing to re-investigate an account ( not by using XXXX XXXX when asked while providing new and relevant information. I had asked for an independent investigation but received the same results verified as accurate but the date last reported didnt show any change from previous date last reported.
Again I am no expert on FCRA laws so there may be many more as I have counted XXXX violations per account per month so if my math is correct then XXXX violations per account ( 11 accounts ) X ( times ) per month equals 88 violations per month. Now then 88 violations per month X ( times ) 10 months equals 880 violations for a grand total. Can you see why I am so frustrated and upset with Trans Union and why I do not know what more I can do?
Now here are the accounts that I am disputing that I can see these violations and inaccuracies in each and every month after I disputed them : DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3100.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} Date Opened : XX/XX/XXXX DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$5200.00} DEPTEDXXXX XXXX {$1500.00} DEPTEDXXXX XXXX {$2000.00} Date Opened : XX/XX/XXXX.
Finally in conclusion I have asked for documentation on verifying the accuracy of these accounts, a signed contract proving that these accounts are mine, I have asked for their verification method process which includes the name, address and phone numbers of whom they ( Trans Union ) spoke to to verify the accuracy, completeness and how they verified these accounts as accurate, any and all documentation Trans Union had on these accounts and lastly I have asked many many times for an independent investigation on these accounts but not once did I ever receive any documentation back and I know there was never any reasonable investigation completed by examining the last reported date. All of this can be seen and proven by examining all my letters to Trans Union. I really want to say thank you for taking your valuable time to read my complaint against Trans Union and to say thank you for any and all help you can provide me for as I said I do not know what to do next.
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| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act verify the accuracy of my report when it is required for employment purposes. Receive notification if information in my file has been used against me in applying for credit or other transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX 5. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, TX XXXX 9. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. This is also the CARES Act Violation no late payments during the COVID-19 crisis XXXX XXXX XXXX Account Number : XXXX Incorrect Late payment reported. XX/XX/2021 your improper procedures are highly damaging to my credit score. Please immediately update to no late payments reporting or delete this item.
10. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Account type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.
11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Account type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.
12. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.
13. Under 15 U.S. Code 1692j - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Account Type : Debt Buyer your improper procedures are highly damaging to my credit score. Please immediately delete this item and block this company from re-reporting.
14. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
15. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
16. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number.. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
XXXX. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
XXXX. I Did not consent to this unauthorized inquiry and this is a non-factual inquiry. If these are facts, please provide the matching data to my credit file proving that these are factual data. Matching data includes the name ( exact match ), the original reported address, date of birth and social security number. All information must be an EXACT MATCH is considered 100 % accuracy and factual. My name is XXXX XXXX XXXX NOT XXXX XXXX.
XXXX XXXX XXXX Date of Inquiry : XX/XX/2021 Please Remove It from My Credit Report or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
To get even more technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action.
This is the second time these accounts have been removed and re-placed on my account. This company is making up account numbers and false information each time to report on my credit. This is a 10-Year-old purchased debt. Block this company from continuation of damages that are being caused to me with your allowance. This company performs illegal practices and violations of FCRA.
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| 07/26/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Consumer Financial Protection Bureau Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, IA XXXX XXXX, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY [ XXXX ] EIN XXXX ( XXXX ) XXXX Account # XXXX Alleged Balance $ {$460000.00} up to {$500000.00} NOTICE : Filing on behalf of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX illegally used my identity to create a Mortgage and said Instrument. The banks have hindered me from renting selling my property and have disrupted my quality of life for the past 7-10 years. The substantiated evidence and facts therein has been given to XXXX aka the alleged owner and investor of said loan on multiple occasions. XXXX stated to me for years that they are the owner of such a loan. I did not give none of the banks involved permission to use my Social Security nor my identity to obtain such a loan. I do not have a credit history with XXXX Mortgage XXXX XXXX nor with XXXX XXXX as well mention. I have communicated with multiple agencies to investigate this alleged mortgage and find that they credit agencies have removed this alleged loan from my history in full. Several Years ago I and my husband have filled this same complaint with the CFPB and no results so far this is why I and my husband are requesting that this be placed in the hands of the US Attorney General for legal due process. A Securitization and XXXX XXXX XXXX has been produced within the past two years and has shown multiple issues therein. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX placed a Corporate Mortgage lien on my property which is 10 years later that the alleged acquisition they the banks alleged to have taken place on XX/XX/XXXX another date given by banks is XX/XX/XXXX and again XX/XX/XXXX. XX/XX/XXXX I and my husband filed a lawsuit against THE CEO CHAIRMAN XXXX XXXX and it was later dismissed XX/XX/XXXX for lack of personal jurisdiction therefore without the Bank providing any proof or legal connection to my property I and my husband are preparing to file within the proper jurisdiction against said person in the near future if this is not resolved within the next 15- 30 days. XXXX LATEST RESPONSES As of XX/XX/XXXX, XXXX XXXX mailed a letter requesting permission to release private information they should not be privy too nor where given permission to have to release this information to third party agencies. How can we allow this bank XXXX XXXX to release such personal and private information that was never given to them by XXXX XXXX XXXX and husband XXXX XXXX XXXX. RESULUTIONS Release Mortgage Assignment and all other dealings including titles, TRUST, and other forged documents thereon my property and stop harassment with my private and personal identity asap. Release Mortgage Lien on my private and personal name and property with the next 30 days. A lawsuit Claim shall be filed thereafter this dispute has not been satisfied in the eyes of private citizens XXXX XXXX XXXX and husband XXXX XXXX XXXX. Transfer Documents and claim complaint to US DOJ for permission to file federal law suit. request from the FDIC for insured banking instrument information concerning loan. IDENTITY THEFT Due to the fact that identity theft is tied to payoff and investments made on the behalf of my husband XXXX XXXX XXXX with XXXX XXXX XXXX the complaint shall be in four parts with each position of each bank involved with full reports therein. That of 1. XXXX XXXX XXXX XXXX, XXXX aka XXXX XXXX XXXX now acquired allegedly by XXXX XXXX in XX/XX/XXXX, 3. XXXX XXXX XXXX, d.b.a XXXX XXXX XXXX, now acquired allegedly by XXXX XXXX XXXX as of XX/XX/XXXX - XX/XX/XXXX, 4. XXXX XXXX XXXX XXXX allegedly acquired by XXXX XXXX XX/XX/XXXX, for the missing CUSIP and Investments by said investor XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX. HISTORY OF DISPUTE WITH BANKS On XX/XX/XXXX I purchased may home located at XXXX XXXX XXXX XXXX XXXX CA XXXX jam the original owner and the first owner of my home and private property. On XX/XX/XXXX my home was paid in full Cc letter from XXXX XXXX payoff dept. This loan was not reassigned not was there a new servicer nor any other banking details just PAID IN FULL PAID OFF. This came about when my husband had secured a XXXX dollar investment deal with XXXX XXXX XXXX. The amount owed to him as of XX/XX/XXXX-XX/XX/XXXX was {>= $1,000,000} USDA for this was an investment BOND for {>= $1,000,000} that was for his clothing company XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX attempted to trick us into a refinance for {$510000.00} once the good faith estimate was done the deal began to change to a basic refinance to a arm balloon deal and the offer for {$510000.00} was changed to {$460000.00} by XXXX XXXX XXXX. Thereafter we decided not to do a refinance and just keep the loan we had with XXXX Mortgage TX. So on XX/XX/XXXX I and my husband signed the right to cancel document only and placed a copy in the mail as well faxed and delivered a copy of the RTC or rescission documents stating that we had 72 hours to cancel and we did within 24 hours. XXXX XXXX of XXXX XXXX XXXX d.b.a XXXX XXXX XXXX sent confirmation letter that the right to cancel was excepted on XX/XX/XXXX, as well that there was not hard hits on our credit reports. For at the time i and my husband was very concerned because we where rebuilding our credit scores which fell below XXXX ratings. We received the letter on thereafter XX/XX/XXXX with this date and it was mailed USPS metered mail with tracking and we kept both the letter and the envelope. I continued paying XXXX XXXX until XX/XX/XXXX received the payoff notice paid in full. As of XX/XX/XXXX XX/XX/XXXX to XX/XX/XXXX XXXX began calling and harassing my family friends in other states and as well my neighbors stating that we did n't pay our bills and a list of other lies which did and was embarrassing at the time. XXXX claimed that they where the owner of the note or mortgage rather they never placed a mortgage assignment on the property, nor was there any written notice that they acquired servicing rights or note! they also claimed that they the investor was XXXX located in North Carolina but we spoke with and received a letter via email that this was a fraud discovered by the FTC in XX/XX/XXXX/XX/XX/XXXX. They later then changed the alleged Investor information to a XXXX XX/XX/XXXX. XXXX [ XXXX ] XXXX also began stating that they owned the mortgage note and stated on three occasions that they acquired it from XXXX as of XX/XX/XXXX. The first time they stated this they claimed they acquired it XX/XX/XXXX. Then another statement or letter claimed they XXXX acquired the note on XX/XX/XXXX and another claim for acquisition by XXXX was for XX/XX/XXXX sent to me on XX/XX/XXXX. Three different dates which are false. We my husband and i noticed that there where some fraudulent issues being reported, XXXX claimed that i was paying them through XXXX XXXX as of XX/XX/XXXX. This is impossible because I was sending my payments to XXXX XXXX XXXX located in Texas. No relations to XXXX until XXXX was acquired as of XX/XX/XXXX by XXXX. My husband received notice that a lien was placed upon his name and the house that was not in his name but my name as of XX/XX/XXXX for a XXXX credit card whom XXXX removed the lien XX/XX/XXXX. Very strange. XX/XX/XXXX XXXX XXXX XXXX former employee of XXXX XXXX XXXX XXXX and now currently employed by XXXX place a Mortgage Assignment on my property without notice as well on XX/XX/XXXX I was at the local XXXX XXXX County Registrar office to record a document but never saw the Mortgage Assignment as I learned that upon doing a securitization analysis and a XXXX XXXX. There are also over XXXX banks breaking chain of title and more please see the XXXX XXXX and the securitization analysis. XX/XX/XXXX myself and my husband filed a claim against XXXX XXXX XXXX '' CEO and Chair of XX/XX/XXXX for fraud forgery identity theft and included was the missing USDA Bond for XXXX XXXX XXXX in the amount of $ XXXX XXXX XXXX XXXX USDA. The case was later dismissed for lack of personal jurisdiction. All this information concerning my home i.e. mortgage assignment is false we are requesting permission to file a law suite against XXXX XXXX and other banks involved. Please provide us such passage to do so. For they are claiming that we owe them XXXX {$500000.00} as well they have extorted me for more than {$140000.00}. Pain and suffering and more. XXXX XXXX XX/XX/XXXX XXXX and such the like of a mortgage company has yet to provide any proof of this alleged mortgage assignment nor of any real living agreement or transfer of funds for said loan. No invoice or bank check for proof of funding just a forged note. STEPS TAKEN Multiple attempts for proof of NOTE MORTGAGE AND PAYMENT INFORMATION has been requested by XXXX XXXX XXXX and husband XXXX XXXX XXXX with payoff and discharged options. This information was sent to the CEO Chairman/ CFO and their payoff departments as well their legal representative XXXX XXXX whom writes a blog for the CFPB. Rather ignored by all parties [ the banks ] involved. Attached are all documents provided by the Halls or XXXX XXXX XXXX and husband XXXX XXXX XXXX as discharged charge off and payoff information that is deemed legal, without recourse.
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| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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I previously disputed the following accounts on multiple occasions and did not receive a response from Transunion, XXXX, or XXXX, which within itself, is 100 % grounds for removal of the disputed information. ACCOUNTS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX [ Unverified account : XXXX XXXX are already aware that my personal information was compromised and that this account was fraudulent. This account was not removed XXXX days after receipt of notice. Years ago they vowed to remove this account from my credit report when I first filed a FTC complaint. They continued reporting! If this account continues to report after XXXX days of receipt, I will begin to seek monetary relief for damages ] ; XXXX XXXXXXXX XXXX XXXXXXXX [ Unverified account : This account was removed a couple of times, but keeps coming back. They did not follow reinsertion laws per the FCRA, Section 611 ( a ) ( 5 ) ( B ) ) which I did NOT receive notice within 5 business days, -nor did I consent for the item to be furnished again. Plus, XXXX has openly admitted, and likely on a recorded call, on MULTIPLE occasions that after their investigations had concluded, they found this account to be fraudulent and that it would be removed permanently! Why is it still reporting!!? If this account is not removed from my credit report within 45 days, I will begin to seek monetary relief for damages ] ; XXXX XXXXXXXX [ Unverified Third-Party ; Documentation Requested ; never provided ] ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ] [ XXXX account : Third-Party ; Documentation requested, never provided ] ; XXXX XXXX XXXX XXXX [ Unverified account ; Third-Party ; Documentation Requested, never provided ] ; XXXX XXXX XXXX XXXX [ Unverified account ; Third-Party ; Documentation Requested, never provided. ] I informed all three Credit reporting agencies, also referred to in this document as, THE CRAS, of the federal laws listed in this complaint, and politely demanded that the they follow the laws during the dispute process, -to which none of THE CRAS adhered to, -and continued to furnish the disputed information. Below are excerpts of FEDERAL LAW, which I have provided to THE CRAS, and trusted and expected them to follow, and to do what is right. [ # 1 ]. The CRA 's did not follow 15 U.S. Code 1681i, being that they did not respond to my dispute within the allotted time set by the FCRA. ( # 2 ) I gave notice, by informing The CRA 's that there is information being reported that I believe to be inaccurate and or fraudulent. Per 15 U.S. Code 1681s2 section ( a ) ( 1 ) ( A ), it states that a person shall not furnish ANY information relating to a consumer to ANY consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The CRAS continued reporting the disputed information even upon being notified that information was incorrect and or inaccurate, and even more serious, fraudulent. [ # 3 ] I also informed the CRAS of 15 U.S. Code 1681c2 ( a ), which states that the consumer reporting agency SHALL block the reporting of ANY information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, NOT LATER THAN 4 BUSINESS DAYS. I provided proof and appropriate identity documents, identification of such information, a statement by me informing The CRAS that " the information is not relating to any transactions made by me, the consumer ''. I even filed a case by reporting the fraudulent accounts with FTC.gov, and uploaded documentation, yet, all of these accounts are still somehow reporting by The CRAS. [ # 3 ] Furthermore, due to being a long term victim of identity theft, I informed the CRAS that I was concerned with my privacy being violated, and specifically referred them to 15 U.S. Code 6801, which states that I am supposed to be 100 % " protected from having my nonpublic private information being shared. This federal law specifically states that ( 1 ) it is the policy of the CONGRESS that EACH FINANCIAL INSTITUTION have an affirmative and continuing obligation to respect the privacy of its customers, ( 2 ) to protect the security and confidentiality of those customers nonpublic personal information, ( 3 ) to protect the security and confidentiality of customer records and information, ( 4 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and lastly, ( 5 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Also according to this law, I also informed The CRAS that I was never provided with the opportunity or choice to opt out. By continuing to report this information, it keeps me at risk. ( # 4 ) In addition to # 3, I informed The CRAS that they are in violation of U.S. Code 6802 which speaks on obligations with respect to disclosures of personal information. This law specifically states the following : that A FINANCIAL INSTITUTION may NOT, directly or through any affiliate, disclose to a nonaffiliated party [ ie : TransunionXXXX ] ANY NONPUBLIC PERSONAL INFORMATION, unless such financial institution provides or has " provided to the consumer a notice that complies with section 6803 of this title [ I NEVER RECEIVED THIS ]. This LAW goes on to state that, In general, A FINANCIAL INSTITUTION may NOT disclose nonpublic personal information to a nonaffiliated third party [ ie : TransunionXXXX XXXX unless XXXX A ) such FINANCIAL INSTITUTION, CLEARLY AND CONSPICUOUSLY DISCLOSES TO THE CONSUMER, in writing or in electronic form, that such information may be disclosed to such third party ; [ I DID NOT RECEIVE ANY CLEAR AND CONSPICUOUS DISCLOSURES OF ANY KIND. ] ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party [ WAS NEVER GIVEN SUCH OPPORTUNITY OR NOTICE ] ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option, [ I WAS NOT GIVENY ANY EXPLANATIONS OF ANY KIND, NOR OPTIONS TO EXERCISE ; ( D ) with the consent or at the direction of the consumer ; [ I DID NOT PROVIDE CONSENT OF ANY KIND ]. You can find more about this here : 15 U.S. Code 6801, in both sections A and B, which are also being violated. ( # 5 ) I then went on to explain to The CRAS that TRANSACTIONAL INFORMATION, OR EXPERIENCES, between the CONSUMER AND THE FURNISHER are to EXCLUDED FROM CONSUMER REPORTING per federal law -15 U.S. Code ( 2 ). Even by THE CRAS being made aware of this, they still REFUSE to remove any of the disputed information, and have not provided me with ANY physical documentation ( # 6 ) It is really unsetting that I am having this experience with the CRA 's because according to 15 U.S. Code 1681 further findings by CONGRESS, pertaining to the ACCURACY AND FAIRNESS of credit reporting states that, ( 1 ) The banking system is dependent upon fair and accurate credit reporting. INACCURATE CREDIT REPORTS DIRECTLY IMPAIR THE EFFICIENCY OF THE BANKING SYSTEM, AND UNFAIR CREDIT REPORTING METHODS UNDERMINE THE PUBLIC CONFIDENCE WHICH IS ESSENTIAL TO THE CONTINUED FUNCTIONING OF THE BANKING SYSTEM. ( 2 ) An ELABORATE MECHANISM has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, CHARACTER, AND GENERAL REPUTATION OF CONSUMERS. ( 3 ) CONSUMER REPORTING AGENCIES have ASSUMED A VITAL ROLE in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their GRAVE RESPONSIBILITIES with fairness, impartiality, and a respect for the consumers right to privacy. It is the purpose of this subchapter to REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR AND EQUITABLE TO THE CONSUMER, WITH REGARD to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. For further context, please see 15 U.S. Code 1681a - Definitions ; rules of construction to define and make clear distinction of various words being used in the laws. Lastly, although both companies, XXXX and XXXX, have agreed to remove its respective account from my credit report, neither have provided any methods of verifications which I have previously requested on many occasions. Per my right under 15 U.S.C. 1681g, I requested full validation from XXXXXXXX XXXX XXXX and XXXX XXXX XXXX XXXX, which I have not received. I asked them to disclose all of the documents that they have recorded and or retained at the time of my dispute, and nothing was sent to me, therefore should be DELETED IMMEDIATELY under Section 611 ( a ) ( 5 ) ( A ) ( i ). These companies are also not METRO2 compliant! Lastly, I do not appreciate how my character, reputation, and credit worthiness, are being damaged by the day, as long as these inaccurate, unverified, and fraudulent items continue reporting on my credit report. At this point, depending on the results of this dispute, I am willing to seek relief from the year XXXX when I first disputed, until now, and I am STILL unable to obtain financing due to these matters.
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXXXXXX XXXX XXXXXXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge this account has never been paid late. Your reporting is completely inaccurate and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report.
XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized CREDITONEBK Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX TransUnion Consumer Relations XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX and TransUnion on any of my consumer report to provide and exchange any information to each other.
TransUnion is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name XXXX XXXX XXXXXXXX XXXX - DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent TransUnion a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXXXXXX XXXX anymore they have sold the account to a collection agency WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, Trans Union, XXXX with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, TransUnion is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX or TransUnion, the permission Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. TransUnion is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. TransUnion IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXXXXXX XXXX or TransUnion to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. TransUnion and XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice TransUnion and XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that TransUnion and XXXXXXXX XXXX is abusing and violating.
In XXXXXXXX XXXX credit card agreement on page XXXX point XXXX it say WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT TO CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT AND MAY NEGATIVELY IMPACT YOUR CREDIT SCORE.
They can not report to my account becuae a third party debtor has my account in collection at this point they aare reporting is misleading and untrustworthy. On page XXXX of their credit agrrement as they have stated on point XXXX. Your Billing Rights Under the Fair Credit Billing Act.
Your Billing Rights : Keep This Document For Future Use.
This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off and late for false and misleading reporting Respectfully, XXXX XXXX
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| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/XXXX I sent out these XXXX letters to XXXX, XXXX, and TransUnion regarding the wrong Information on my crediting report which is caused drastic decrease on my XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I recently checked a copy of my credit report and found that you are reporting inaccurate, noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCE and is listed as an OPEN ACCOUNT.
XXXX. XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX This XXXXXXXX XXXX account is reporting as an opened account and with a past due balance of {$360.00} on my credit report on XXXX but XXXX this account is reporting unpaid but with a past due balance as {$360.00}.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX This XXXX XXXX XXXX account is reporting as an opened account and with a past due balance of {$630.00} on my credit report on XXXX. On XXXX this account is reporting as debt buyer but with a past due balance of {$630.00}.
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This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated a permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Sincerely, TransUnion Consumer Solutions XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I recently checked a copy of my credit report and found that you are reporting inaccurate, noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCE and is listed as an OPEN ACCOUNT.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX account is reporting as an open account and with a past due balance of {$360.00} on my credit report.
XXXX XXXX XXXX ( XXXX ) C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX XXXX account is reporting as an open account and with a past due balance of {$630.00} on my credit report.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX account is reporting as an open account and with a past due balance {$400.00} on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt is reporting a past due balance of {$1600.00} on my credit report.
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanently removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, I recently checked a copy of my credit report and found that you are reporting inaccurate, noncompliant, and false information about me. The following alleged accounts is listed as a collection with a PAST DUE BALANCE and is listed as an OPEN ACCOUNT.
XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt is reporting as a debt buyer account and with a past due balance of {$360.00} on my credit report. But This same XXXXXXXX XXXX XXXX is reporting as an opened account and with a past due balance of {$360.00} on my credit report on XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX ( XXXX ) XXXX XXXX XXXX XXXX account is reporting as unpaid account and with a past due balance of {$630.00} on my credit report. This same XXXX XXXX XXXX XXXX is reporting as an opened account and with a past due balance of {$630.00} on my credit report on XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX system account is reporting a past due balance of {$1600.00} on my credit report.
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX XXXX regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be investigated and permanntly removed from my report.
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail.
Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To Whom it may concern, While looking at my credit reports I have noticed the account below had a discrepancy in the " payment history '' section of the listing : XXXX ( XXXX ) This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately. It is also my understanding that Under the FCRA XXXX XXXX. XXXX XXXX, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification are adhering to mandated XXXX XXXX data formatted reporting standards according to regulation XXXX XXXX XXXX ) When the requested above deletions are made, please mail me an updated copy of my credit report.
Kind Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To Whom it may concern, While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing : XXXX ( XXXX ) This charged off account is reporting payment history each XXXX when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item Immediately. It is also my understanding that Under the FCRA XXXX XXXX. XXXX XXXX, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification are adhering to mandated XXXX XXXX data formatted reporting standards according to regulation XXXX XXXX XXXX ) When the requested above deletions are made, please mail me an updated copy of my credit report.
Kind Regards, TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To Whom it may concern, While looking at my credit reports I have noticed the account below had a discrepancy in the " payment history '' section of the listing : XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This charged off account is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.
Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately. It is also my understanding that Under the FCRA XXXX XXXX. XXXX XXXX, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with PERMANENT DELETION of these derogatory accounts or provide testimony and certification are adhering to mandated XXXX XXXX data formatted reporting standards according to regulation When the requested above deletions are made, please mail me an updated copy of my credit report.
Kind Regards,
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| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX, XXXX, XXXX XXXX, XXXX 2. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect EMPLOYER : XXXX XXXX 4. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 5. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
9. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
10. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX, XXXX 11. The following personal information is incorrect EMPLOYER : XXXX XXXX XXXX 12. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX 14. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act S
ection 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 10/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Please note I'm sending this dispute due to new evidence. This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. In accordance with the Fair Credit Reporting act. The List of account bellow has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX ; 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 US.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681 c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crime which antedates the record by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person known or reasonable cause to believe that the information is inaccurate. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency, report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is with this in mind that I request that these listed accounts and items be BLOCKED and DELETED! Policy states According to the FAIR CREDIT REPORTING ACT FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1. Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four ( 4 ) business days after the date of receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to transaction by the consumer. All furnishers of information to consumer reporting agencies must comply with all applicable regulations. Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureaus website, www.consumerfinance.gov/learnmore. NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov/learnmore. Section 623 ( a ) ( 8 ) Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( l ) ( B ). Report the results to the CRA that referred the dispute and, if the investigation establishes that the information was in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Section 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ). Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ). Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ), Duty to Report Voluntary Closing of Credit Accounts If a consumer voluntarily closes a credit account, any person who regularly and in the ordinary course of business furnished information to one or more CRAs must report this fact when .it provides information to CRAs for the time period in which the account was closed. Section 623 ( a ) ( 4 ). Duty to Report Dates of Delinquencies If a furnisher reports information concerning a delinquent account placed for collection, charged to profit or loss, or subject to any similar action, the furnisher must, within 90 days after reporting the information, provide the CRA with the month and the year of the commencement of the delinquency that immediately preceded the action, so that the agency will know how long to keep the information in the consumers file. Section 623 ( a ) ( 5 ). Any person, such as a debt collector, that has acquired or is responsible for collecting delinquent accounts and that reports information to CRAs may comply with the requirements of Section 623 ( a ) ( 5 ) ( until there is a consumer dispute ) by reporting the slime delinquency date previously reported by the creditor. If the creditor did not report this date, they may comply with the FCRA by establishing reasonable procedures to obtain and report delinquency dates, or, if a delinquency date can not be reasonably obtained, by following reasonable procedures to ensure that the date reported precedes the date when the account was placed for collection charged to profit or loss, or subjected to any similar action. Section 623 ( a ) ( 5 ).
|
| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( ______________ ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX XXXX, XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each3 the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXXngelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX XXXX, XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are listed on an attached page.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name : XXXX XXXX Date Open : Account Number : XXXX Reason for dispute : Identity Theft Account Amount : XXXX Account Name : XXXX Date Open : Account Number : XXXX Reason for dispute : Identity Theft Account Amount : XXXX Account Name : XXXX XXXX Account Date openAccount Number : XXXX Reason for dispute : Identity Theft___ Account Amount : XXXX
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| 07/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am XXXX XXXX, and the author of this complaint.
Please note that although this account has been disputed the tradeline is not marked as such with the CRAs, and as it should be.
This is not and has never been, a request for Validation of Debt ( referred to as VOD ). I do not and have not asked for any VOD documents. Instead, this complaint has always been about FCRA and FCDPA and your responsibilities as a Data Furnisher and the ONLY Creditor tied to this tradeline, and as the Original Creditor ( owner of this record ).
Please REPORT any clarity you would then like to draft a letter for, and this is what the complaint is about.
This complaint includes the CRAs, for now TransUnion and XXXX. All I have access to is the result of whatever you all are doing/not doing, the gap in my space is that I neither produce the file, nor am I the end system/recipient of the data in the integration/file.
This complaint is long detailed and tied specifically to the data elements existing within my credit report ( s ) and its compliance with Metro2 Guidelines and that of Data Accuracy with the CRAs, FCRA.
I will say if it is happening to me, its systematic CFPB, and then happening to all customers with an adverse account.
There is an Original Complaint with XXXX including XXXX, and the ID is XXXX. That complaint was created because of missing data on this tradeline, and inaccurate data. This current complaint is with XXXX ONLY.
Each additional XXXX Creditor/Lender/Original Creditor/Credit Grantor Tradeline on my report, will be communicated distinctly and then with its own complaint.
Your response to the original complaint is posted below.
We're no longer the creditor on the accounts. Contact information for the new creditor is included in the uploaded response letter. We decline to delete the accounts from the credit report. Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information.
Thank you for that response.
You also attached responses, one of which is attached as XXXX XXXX-Final Response XXXX ( 1 ) Added XXXX CFPB, a section of it is pasted below.
Were reporting the accounts correctly, as required by law. Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account. For more information on how the credit reporting agencies may reflect this information, or general questions about information in your credit report, please contact the credit reporting agencies by using the following information : XXXX ( Original/Only Creditor ) - I am relying on the FTC rules that govern you, as a both the Original Creditor/ Lender and Data Furnisher on this tradeline.
FTC Site Definition of Debt Collector/Creditor https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text You will want to refer to section 803. Definitions ( 6 ) and ( 4 ) And then, ECFR, governance on your responsibilities are defined here.
https : //XXXX XXXX XXXX SID=XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Few things of note with this complaint and then the response provided by XXXX.
1. There is an absolute and then compliant difference between a Creditor/Lender/Credit Grantor and a Debt Collector 2. You XXXX, are both the Original Creditor and then, the only Creditor associated with the account. Your responsibilities as a Creditor, remain.
3. Whoever you sold this account to becomes the Debt Buyer/Collector. See definition of a Debt Collector/Buyer 4. You are the Data Furnisher for this Tradeline and YOU are reporting data to this Tradeline and have created its current state.
5. Your last reported date on my report is XX/XX/XXXX.
I am attaching, as screen shots, and from many sources including raw credit reports from the CRAs themselves for your tradelines.
XXXX, said in their original response : Weve verified were reporting the accounts correctly to the credit reporting agencies. Were required to report factual information.
And Weve verified that were reporting the correct information regarding account closure dates, first delinquency dates, account number, payment history, date of last activity, etc. Additionally, although the accounts are closed, we do advise the credit reporting agencies of the credit limit on the account Thank you for providing and then acknowledging your commitment to accuracy, and then the data you sent/send to the CRAs.
XXXXXXXX/Creditor/Original Creditor, is reporting this Tradeline To TransUnion.com, sourced from a TU as a raw Credit Report ( directly from the CRA, not online report ) XXXX, that results in this, see attached as : TU XXXX XXXX In Comments, XXXX reported Purchased buy another Lender - XXXX XXXX XXXX Was Charge OFF, Question is it Paid Off? If so, how was {$0.00} sold?
No account can exist with a Pay Status of Charge OFF, if it has been Paid off, as per Metro2 guidelines. Yours- does, and then contradicts itself.
Your Pay History is now NULL/Blank ( XXXX communicated they sent/send it ) Its filled with X from the accounts inception.
X is UNKNOWN Attached as TU Pay Rating That 30, 60,90 day late etc is not reported.
Last Payment made XX/XX/XXXX, How much? What then became the balance?
What accrued from that date?
There is no Pay History/Rating There is no Balance History Your last reported date is XXXX 2 years of all were within your systems to report its history.
Lacking a complete and accurate Tradeline what is the Date of First Delinquency ( DOFD ), you Comenity REPORTED?
I then, dispute the FCRA DOFD and based on your reporting in this incomplete and inaccurate Tradeline. I also assert this tradeline is both incomplete and inaccurate.
Then another source, You, XXXX/Creditor are reporting this Tradeline at TransUnion -TransUnion.com attached as : TransUnion XXXX TU.com 2 XXXX, and TransUnion XXXX TU.com XXXX XXXX XXXX. Last Payment made XX/XX/XXXX 2. For what charges?
3. Where is the Balance History?
4. Where is the Pay History/Pay Rating?
5. Remarks/Comments do not match whats on TU raw report.
6. Because there is absolutely no history TU is saying that there is no Late Payment History XXXX XXXX credit report from XXXX Attached as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 1. The Account Number is NULL, or Blank on the raw credit report, XXXX from XXXX 2. This Account Name states that this account is CLOSED 3. This account then lacks a Closed Date?
4. What is then Reported, as the Date Closed?
5. This Tradeline is then also reporting Available Credit, when this value is diverted, to a field called High Credit when an account is CLOSED as per Metro2 definition 6. The Pay/Ratings History is BLANK 7. The Balance History BLANK 8. Please ensure the Balance History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 9. Please ensure the Pay History, is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete 10. Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported, for repayment and on a closed account.
11. Creditor Classification is Unknown and should not be, please assign a valid value.
12. Date of First Delinquency neither is not supported by the PAY/Rating history nor the Balance History.
13. I therefore dispute the FCRA/DOFD Date 14. There is then no Charge OFF Amount 15. Again DATE CLOSED is Blank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX credit report from XXXX Attached as XXXX - XXXX XXXX XXXX XXXX XXXX and XXXX - XXXX XXXX XXXX XXXX This Account Name states, and then stores the account as CLOSED This account then lacks a Closed Date?
What is then Reported, as the Date Closed?
This Tradeline is then also reporting Available Credit, when this value is diverted, to a field called High Credit when an account is CLOSED as per Metro2 definition The Pay/Ratings History is BLANK The Balance History BLANK Please ensure the Balance History is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete Please ensure the Pay History, is complete and then accurate on this tradeline leaving these values NULL/Blank, makes this inaccurate and incomplete Because this account is charged off/closed, I do not believe there are applicable TERMS that can be reported, for repayment and on a closed account Creditor Classification is Unknown and should not be, please assign a valid value.
Date of First Delinquency neither is not supported by the PAY/Rating history nor the Balance History.
I therefore dispute the FCRA/DOFD Date There is then no Charge OFF Amount Again DATE CLOSED is Blank This complaint demonstrates the data issues between XXXX and then the CRAs.
This is not my battle, unless it goes to court.
The Data exchange between the OC and the CRA with due diligence, and or discovery can and will flush this out. XXXX in theory verifies the true expected results XXXX is saying is acceptable.
Fix the tradeline, to ensure XXXX goal is attained or delete it.
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| 04/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I believe XXXX XXXX XXXX is incorrectly reporting overdue/late payments on a home mortgage listed on all of credit bureaus. I base this belief on the following information.
I owned a home in XXXX XXXX in XX/XX/XXXX, when I was diagnosed with a XXXX XXXX illness which left me XXXX and unemployable. My wife and our family were required to relocate to XXXX to obtain employment capable of sustaining our family.
We looked into selling our XXXX house in XX/XX/XXXX, but would have been severely under water. We were able to find renters from XX/XX/XXXX thru XX/XX/XXXX ; when the renters received military PCS orders. We revaluated the option of selling ; but the market had not improved. We were able to sign new renters to a short-term 6 month lease in XX/XX/XXXX. In the XX/XX/XXXX, those renters became unreliable and we decided to move to a month-to-month rental with them ; while listing the house for sale at the same time. There was not one single offer at all on the home for 6+ months. The 2nd set of renters gave their 30 day notice to move out at the beginning XX/XX/XXXX.
At the beginning of XX/XX/XXXX, [ After consultation with our realtor, the Veterans Administration ( VA ), and XXXX XXXX XXXX ( XXXX ) ], we initiated the process of a Deed-In-Lieu ( DIL ) with both the VA and XXXX. I have attached the following : 1 ) The formal request letter to XXXX dated XX/XX/XXXX, 2 ) an email dated XX/XX/XXXX documenting XXXX representative XXXX XXXX confirmation that my wife and I had submitted all required paperwork necessary to begin processing our DIL request, 3 ) An email dated XX/XX/XXXX from VA representative XXXX XXXX confirming XXXX had completed an appraisal of the XXXX XXXX house on XX/XX/XXXX with an appraised value of XXXX, The renters moved out of the house at the end of XX/XX/XXXX and the home was vacant since that time. We continued to pay the monthly mortgage due ( on-time ) for both months of XX/XX/XXXX and XX/XX/XXXX. Money was getting tight while paying two mortgages on my wifes income and my retirement/disability pay.
In early XX/XX/XXXX ; we received a Notice of Approval for a Deed in Lieu of Foreclosure Letter from XXXX dated XX/XX/XXXX with a lot of information. The main points of concern were, Conditions that must be met You and all other occupants must vacate your property and the title must be clear and marketable by XX/XX/XXXX, the vacate date. Understand that any personal belongings left after XX/XX/XXXX, the vacate date become the property of XXXX XXXX XXXX XXXX, Transfer/closing To complete the transfer of ownership of your home back to the owner of your mortgage, you must sign and complete all required documents provided to you by a third-party attorney, or title company acting on behalf of XXXX XXXX XXXX, XXXX.
On XX/XX/XXXX ; we signed, dated, and faxed back our agreement to the terms of the approval for the Deed-in-Lieu to XXXX. Furthermore ; I phoned Mr. XXXX XXXX, Home Preservation Specialist, XXXX XXXX XXXX, XXXX, phone : XXXX Ext XXXX. To inform him that the house was already vacant with all personal property removed and in marketable condition on XX/XX/XXXX ; there was no need to wait until XX/XX/XXXX.
We did not have sufficient funds in reserve to pay for our XXXX home 's XX/XX/XXXX mortgage and our XXXX home 's XX/XX/XXXX mortgage payment. It was my understanding ( after my phone conversations with Mr XXXX ) that once we vacated the XXXX home ( for purposes we are discussing here ) on the XXXX mandated Vacate Date of XX/XX/XXXX ... The House and ALL personal property with the house ; became the property of XXXX XXXX XXXX, XXXX ; as per their letter dated XX/XX/XXXX. At which point, we were not responsible for further mortgage payments. ( This is due in part to the fact it was a VA backed mortgage, and Lenders can not report mortgage payments as being late until the XXXX of the month on VA backed mortgages ).
In this case, I would only have missed the XX/XX/XXXX mortgage payment on the XXXX house. I should not be showing as late on any following months as I was no longer in possession of the house. It doesn't make sense to be held financially responsible for thousands of dollars for three additional months ; for a home you were required to vacate for those months.
It appears from an internet search on the property sales of the home, XXXX eventually sold the house on XX/XX/XXXX for {$200000.00} ( see attached XXXX search from XX/XX/XXXX ). In addition, the Veterans Administration paid out approximately {$39000.00} and change to XXXX XXXX XXXX XXXX, to cover the deficiency balance between what was owed after the Deed in Lieu and the sale price on XX/XX/XXXX. So it appears that XXXX XXXX ended up recouping a total of {$240000.00} for the XXXX house. Which is pretty much a break even for them ; if not more than what I actually owed at the time of the Deed in Lieu.
Which brings up the question ; was XXXX XXXX XXXX XXXX, dragging this process out so that I could not afford to keep up with dual mortgage payments. In order for them to be able to collect the deficiency balance from the VA? In the XXXX letter dated XX/XX/XXXX it states that if I was able to meet all of the conditions stated in the letter ... '' and the mortgage is released, the investor ( and other interested parties ) waives its right to seek a deficiency balance under the mortgage note and/or related documents. '' My main concern, at this point, is the fact that I know have to pursue a purchase of a new build home which is more ADA compliant for myself, and an aging parent. In order to restore my full VA home loan entitlement, I had to repay the Veterans Administration the full amount it had to payout to XXXX XXXX XXXX, XXXX.. A total repayment on my part of the full {$39000.00} and change in the last 30 days. I can provide documentation of payment to the VA if requested. So, I have absolutely no outstanding federal debts, or obligations tied to this mortgage.
I understand that the Deed in Lieu will be reflected on my credit report. The issue I am debating is how XXXX is reporting the late payment status with the XXXX, Transunion, XXXX, and XXXX credit bureaus. I have attached copies from the first three bureaus which were pulled on XX/XX/XXXX. I am waiting on a mailed report from XXXX.
The XXXX payment status is reflecting, " At least 120 days, or more than four payments past due. ( updated XX/XX/XXXX ), but the payment history is reflecting all current from XX/XX/XXXX-XX/XX/XXXX.
The XXXX payment status is reflecting, " Credit grantor received deed for collatoral in lieu of foreclosure on a defaulted mortgage '' ( updated XX/XX/XXXX ), and the payment history is reflecting XX/XX/XXXX : XX/XX/XXXX 30 late, XX/XX/XXXX 60 Late, XX/XX/XXXX 90 Late, XX/XX/XXXX Negative.
The Transunion Payment status is relecting, " 120 days past due '' ( updated XX/XX/XXXX ), and the payment history is reflecting XXXX : XX/XX/XXXX 30 late, XX/XX/XXXX 60 late.
I am still waiting to see how the XXXX reporting is affecting my credit scores.
I received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX which states, '' We discovered a processing issue that affected our credit reporting. We apologize for this issue and we want to share the steps we have taken to address it. '' " When the deed in lieu was finalized, the closed date wasn't furnished to the consumer reporting agencies.
We've notified the consumer reporting agencies to include the correct date on your credit report.
You may reach out to the consumer credit reporting agencies. They can confirm that they completed the updates ... '' The problem with this XX/XX/XXXX letter is that is does not identify the CORRECTED DATE the Deed in Lieu was supposed to be finalized and updated with at the consumer reporting agencies. It is totally vague! I waited a few weeks from the time I received the XX/XX/XXXX letter ; to give the consumer reporting agencies to update their systems.
Then I did follow up with the credit reporting agencies on of XX/XX/XXXX. XXXX was the only one with a XX/XX/XXXX update ( and I submit an incorrect update ). XXXX 's last update was XX/XX/XXXX. Trans-Union 's last update was XX/XX/XXXX.
It was at this point in XX/XX/XXXX that I began disputes with the three main credit bureaus and also contacted XXXX directly to try and resolve this issue.
I was put in contact with a Mr. XXXX XXXX, Executive Resolution Specialist, Customer Care and Recovery Group ( Phone : XXXX ext XXXX ) to act as my liaison through my dispute process with XXXX.
I sent XXXX a fax request an update to reflect no missing payments to all of the consumer credit reporting agencies on XX/XX/XXXX. ( See attached Fax dated XX/XX/XXXX ).
I ended up receiving a letter dated XX/XX/XXXX from XXXX XXXX, Senior Vice President, XXXX XXXX XXXX XXXX. It stated they had received my inquiry and their goal would be to try and and provide a response by XX/XX/XXXX. ( See attached letter dated XX/XX/XXXX ) During the interval of time between XX/XX/XXXX and XX/XX/XXXX ; I had several conversations with Mr. XXXX ( some heated ones ) in regards to the status of my credit reporting dispute. We were unable to see eye-to-eye. I received XXXX response to my dispute the evening of XX/XX/XXXX, from Mr. XXXX via email. It was less than satisfactory, in my opinion. ( see attached letter dated XX/XX/XXXX
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| 11/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Credit reporting agencies aid and abet many favorite financial institutions in the the collection of extensions of credit by extortionate means. If the credit reporting agencies would've conducted a reasonable investigation, they would've found that my fiduciary breached their duty by furnishing false credit information.
15 usc 1666b - If there's no proof of indebtedness, there is no late payment. financial institution knows that furnishing inaccurate to the CRAs violate federal law. But do it anyway.
why would credit reporting agencies be reporting negative information on an EXTENSION OF CREDIT they are NOT REQUIRED BY LAW to furnish? Disclosing false credit information that jeopardizes your consumer credit reputation as a means of coercing repayment on an extension of credit constitutes racketeering activity.
That negative information provision is your financial institution 's agreement is their POLICY. Their policy shouldn't violate your federally protected rights. There's no debt, only extortionate extensions of credit.
Under the FCRA I have a right to privacy and a fair and equitable credit report. why are you CRAs allowing debt collectors to furnish this false credit information knowing it will harm my relationship with other banks and cause damages?
Under the FDCPA, furnishing an alleged debt to coerce payment is a violation of 15 USC 1692d ( 4 ) which the FTC defines as debt parking. There is no debt, only an attempt to collect on an extortionate extension of credit using unlawful extortionate means.
Please provide me with a chain of title, your license to collect in my state, and a bill of assignment just to even see if they have the right to collect on this " ALLEGED '' debt.
You, the Debt collector shouldn't have my information in the first place. Let alone, use it to bring harm to me and my financial reputation. That's aggravated identity theft.
You, the debt collector, financial institution, and the credit reporting agencies are participating in extortionate behavior to collect on a debt that doesnt exist.
If my fiduciary didn't breach their fiduciary duty I wouldn't be in court to start with. The fact they are pursuing repossession and suing do to " nonpayment '' shows an unauthorized use of a credit card ( social ). If they received consideration ( aka my social ) and pursuing damages and repossessed the car, where is my consideration? How can a " contract '' be legally binding without the essential element of consideration? ATTN : DISPUTE/CLIENT XXXX XXXXXXXX RE : FRAUDULENT HARD INQUIRY Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer report, there are unverified accounts listed. As a reference, please see the below accounts in question : ACCOUNT NAME ACCOUNT NUMBER BALANCE XXXXXXXX XXXX XXXX XXXX XXXXXXXX - {$1200.00} XXXX XXXX XXXX XXXXXXXX - {$110.00} XXXX XXXX XXXX XXXXXXXX - {$4000.00} XXXX XXXX XXXXXXXX - {$1700.00} I want to be explicitly clear with my request. I am not requesting validation of debt ; but instead, I am requesting verification of the debt. It has become increasingly clear that you are being willfully negligent in rectifying my affairs. Over the past year I have made subsequent attempts to have these accounts reasonably investigated in accordance with both the Fair Credit Reporting Act and Fair Debt Collection Practice Act.
Starting 30 days from the day you receive this letter ; I am demanding you furnish the supporting documents and PROBABLE evidence that I have any obligation to the abovementioned accounts. If you are unable to produce said requirements within the generously allotted threshold, by federal law you are required to remove the accounts from my consumer report without prejudice. LET IT BE KNOWN : If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. You may also have the right to file suit under state law.
Warm Regards, XXXX : XXXX Without prejudice, all natural inalienable rights reserved.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXXXXXX ATTN : DISPUTE/CLIENT XXXX XXXXXXXX RECENTLY, I HAVE REVIEWED MY CONSUMER REPORT AND NOTICED THAT YOU ARE ALLEGING THE FOLLOWING ACCOUNTS ARE OPEN WITHOUT HAVING FURNISHED ANY SUBSTANTIAL PROOFS OR EVIDENCES OF YOUR CLAIM. ACCORDING TO FEDERAL LAW, IN ORDER FOR YOU TO REPORT THIS ACCOUNT YOU WOULD HAVE AHD TO VERIFY AND VALIDATE ALL ALLEGED DEBT. AS OF XX/XX/XXXX THE FOLLOWING ACCOUNTS HAVE NOT BEEN VALIDATED. AS A RESULT OF THIS THEY MUST IMMEDIATELY BE REMOVED FROM MY REPORT OR UPDATED AS CLOSED AND PAID IN FULL AS I DO CHALLENGE THEIR VALIDITY. PURSUANT 15 USC 1681B.
DEPT OF EDUCATIONXXXX : XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX XXXX. ACCNT # XXXX Balance : XXXX PLEASE CONSIDER THIS LETTER AS AN INITIAL COMMUNICATION DEMANDING ANY EVIDENCE OF MY OBLIGATION TO ABOVEMENTIONED ACCOUNTS. AS A REMINDER, ANY ACCOUNT THAT YOU CONTINUE TO REPORT WITHOUT BEING ABLE TO VALIDATE IS A DIRECT VIOLATION OF MY RIGHTS LISTED THROUGH THE FDCPA AND FCRA BOTH TOGETHER AND SEPARATE.
It seems to me that there is no original instrument of indebtedness in existence which again settles the matter legally and financially. I would appreciate if you would obtain a statement of facts from the DEPT OF EDUCATIONXXXX outlining exactly why they can not produce the original instrument of indebtedness, why they have had their lawyers harass me for a nonexistent debt and why they have referred this non-existent debt to a debt collection agency.
THIS IS NOT A DISPUTE OF OWNERSHIP BUT AS A CONSUMER AWARE OF MY FEDERALLY PROTECTED RIGHTS, IF YOU CAN NOT PROVIDE THE REQUESTED DOCUMENTATION MY DEMAND IS THAT THE ACCOUNTS BE REMOVED OR UPDATED TO BE REPORTED AS PAID IN FULL IMMEDIATELY UPON RECEIPT.
LET IT BE KNOWN : If a consumer reporting agency, or, in some cases, a user of consumer reports or afurnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.You may also have the right to file suit under state law.
Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : The following inquiry needs to be removed immediately : TRANSUNION XXXXXXXX XXXX XXXXXXXX XXXX Requested XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX, XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TRANSUNION INTERACTIVELocation XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. Please provide me with the method of verification that you and/or your staff used to verify and validate this inquiry.
Also, Please remove all incorrect addresses and names : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date Reported XX/XX/XXXX
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| 01/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Summary of Facts:
I am providing a NOTARIZED Affidavit from XXXX XXXX (co-applicant) that this account was opened with me as a co-applicant, without my knowledge or permission. This is a Material Fact, that Must be honored unless and until XXXX XXXX conducts an investigation and has Material Proof to discredit XXXX XXXX claims.
That the balance of $XXXX being furnished to the credit bureaus by XXXX XXXX does not belong to me.
That XXXX XXXX has acknowledged the entire balance belongs to him and willing to pay it.
XXXX XXXX must update XXXX, XXXX and TransUnion immediately and/or within 4 days and update the XXXX XXXX credit card they are reporting in light of the evidence provided.
*XXXX XXXX reports this account to the credit bureaus between the XXXX-XXXX of each month. In five (5) yrs. there has been not one single deviation of any month. This account has reported the balance and status for the same dates in fifty one (51) straight months.
* XXXX XXXX is due to report this account(s) sometime between XX/XX/XXXX and XX/XX/XXXX
XXXX XXXX will have received this complaint/dispute on XX/XX/XXXX, providing plenty of time to properly adjust what they report to the credit bureaus at the end of XX/XX/XXXX.
*XX/XX/XXXX last reported this account to the credit bureaus on XX/XX/XXXX, consistent with the previous 5 yrs.
*As a result of my dispute and claim and according to the FCRA and the FTC, XX/XX/XXXX MUST remove the balance in dispute and the accounts I have identified as not MINE.
**If XXXX XXXX either reports this account as it is prior to completing a proper investigation or does anything other than removing the disputed balance and accounts, XXXX XXXX would be deliberately violating numerous FCRA laws.
Summary of facts:
In XX/XX/XXXX, I opened the following XXXX XXXX account as a Co-signer with XXXX XXXX; acct# XXXX XXXX XXXX XXXX (My CARD)
XX/XX/XXXX my XXXX XXXX Credit Card was stolen and used
XX/XX/XXXX: (Tuesday) I Reported the fraudulent transactions
XX/XX/XXXX I also requested my account be closed acct# XXXX XXXX XXXX XXXX.
XX/XX/XXXX( Wednesday) XXXX XXXX, nearly 2 weeks later initiated a fraud claim
Sometime in XX/XX/XXXX XXXX XXXX reopened new credit card accounts ending in XXXX and sent these cards to my business address, contrary to my wishes.
XX/XX/XXXX XX/XX/XXXX sent me out a statement wrongly claiming a balance of $XXXX with a MINIMUM PAYMENT DUE $XXXX
During the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I was unable to access my account information online. XXXX XXXX later admitted they had denied me online access in error, once the fraud claim was reported the restriction should have been removed. See attached XXXX XXXX letter dated XX/XX/XXXX.
XX/XX/XXXX: XXXX XXXX reported this account as 30-days late (this was later determined an error by XXXX XXXX) see attached XXXX XXXX letter dated XX/XX/XXXX
XX/XX/XXXX, I filed a complaint with the CFPB, case # XXXX XXXX.
See attached CFPB Complaint
Disputing the following:
a.) XXXX XXXX inaccurately reported me 30-days late in XX/XX/XXXX
b.) XXXX XXXX has denied me online access to my XXXX XXXX account
c.) XXXX XXXX is reporting the wrong balance of $XXXX
d.) XXXX XXXX has denied my previous disputes with XXXX, XXXX and TransUnion and wrongly confirmed to 30-day late XX/XX/XXXX information furnished to the credit bureaus.
e.) As a result I may take on an additional $XXXX in damages towards a XXXX XXXX construction loan. (I did end up suffering over $3,000 damages, which at the time I did not file a civil claim for, YET!
XX/XX/XXXX; I filed another round of disputes with XXXX, TRANSUNION, and XXXX, claiming XXXX XXXX was inaccurately reporting I was 30 days late in XX/XX/XXXX. I provided proof of statements and payments to support my claim, but all three credit bureaus dismissed my documents and accepted XXXX XXXX response claiming the 30-day late reported for XX/XX/XXXX was accurate. Despite the fact XXXX XXXX never provided any proof of documents to support their claim.
*NOTE: XXXX XXXX did NOT provide any documented proof, yet XXXX, XXXX and TransUnion still accepted XXXX XXXX XXXX, which after continual disputing and I forced XXXX to conduct a proper investigation, it was finally determined that XXXX XXXX did indeed report inaccurate information.
Our records reflect that on XX/XX/XXXX, you contacted us to report unauthorized activity on your account and on XX/XX/XXXX, we initiated a fraud claim However, our investigation determined that, we did not take all of the NECESSARY steps to remove all of the related delinquencies from your account
XX/XX/XXXX XXXX, XXXX and TRANSUNION sent me a letter advising they had completed a proper investigation and XXXX XXXX responded that the 30-late they had furnished for XX/XX/XXXX is accurate. Therefore, denied my request to remove the XX/XX/XXXX 30-day late fee furnished by XX/XX/XXXX
As a result, I was suffered financial harm by being denied credit and my auto insurance increased by more than $900 yearly.
As a result of XXXX XXXX continued refusal to conduct a reasonable investigation and provide the credit bureaus with accurate information, I had to take today (XX/XX/XXXX) off work to do XXXX XXXX job by investigating/researching the facts concerning this account, suffering more financial harm.
Sometime in XX/XX/XXXX I again contacted XXXX XXXX, informing them I never reopened this account and please close it.
On XXXX I filed a complaint with the CFPB for inaccurate reporting of late fees
XXXX XXXX has willfully breached our contract, a contract they created, by changing the interest rates without notifying me, as required by the FTC.*
XXXX XXXX Errors -IM ALWAYS RIGHT/ XXXX XXXX= WRONG
Here are previous disputes I have made against XXXX XXXX, which XXXX XXXX initial response was found to be INACCURATE.
XX/XX/XXXX XXXX XXXX admitted errors in their initial response to my fraud report
XX/XX/XXXX XXXX XXXX denied my 1st claim that they were reporting the wrong balance and status to the credit Bureaus
However, on my 2nd claim a month later in XX/XX/XXXX- XXXX XXXX admitted errors reporting the wrong balance to XXXX, TransUnion and XXXX in XX/XX/XXXX.
At my request XXXX XXXX closed the this credit card account
Sometime in XX/XX/XXXX XXXX XXXX issued a new account (which I did not request) and has never provided proof that I requested the account to be re-opened. Acct. ending in XXXX
Sometime after around XX/XX/XXXX, this account was again closed by me.
Another XXXX XXXX account was re-opened without my permission ending in XXXX
In XX/XX/XXXX, yet another XXXX XXXX account was opened in my name without my permission, ending in
XXXX.
9. Twice in the past, when I filed disputes with XXXX, XXXX and TransUnion, XXXX XXXX has admitted to providing the credit Bureaus with an inaccurate update, resulting from NOT truly completing a proper investigation.
In Summary and Request:
XXXX XXXX has admitted in the past to making errors and wrongly denying the claims/disputes I filed with XXXX, XXXX and TransUnion, without conducting a proper investigation.
Additionally, XXXX, XXXX and TransUnion all refused to consider unredacted documents I provided in my previous disputes. Meaning XXXX, XXXX and TransUnion NEVER read the documents I provided. Alternately simply forwarded them to XXXX XXXX. THESE ARE PROVEN AND ADMITTED VIOLATIONS OF THE FCRA BY XXXX XXXX< XXXX< TRANSUNION AND XXXX.
*NOTE: I have until XX/XX/XXXX to file a civil claim on the admitted FCRA violations
Yet, here we are again, I am again providing Material facts in the form of documents and affidavits that
I am disputing this account currenlty reported ending in XXXX, XXXX or XXXX belongs to me XXXX XXXX has reported accounts ending in XXXX, XXXX and XXXX as belonging to me incorrectly.
I am disputing to be a Co-Signor on any XXXX XXXX account ending in; XXXX, XXXX, XXXX
I am claiming any charges related to accounts ending in XXXX, XXXX and XXXX do NOT Belong to me and are being reported by XXXX XXXX to the credit bureaus inaccurately.
I am requesting for XXXX, XXXX and TransUnion to actually READ the documents I provide with this complaint and BLOCK XXXX from reporting any of the above accounts until the final results of their investigation is complete.
I am claiming, with documented irrefutable proof, XXXX XXXX has violated our agreement, has done so knowingly and willingly. Therefore I am claiming this is a Contract of Adhesion.
I am also requesting XXXX XXXX to remove all the above accounts from the credit bureaus until they have conducted a reasonable and proper investigation, upon which time they can finalize any updates to the credit bureaus.
I am claiming my requests in numbers 5 & 6 do not harm XXXX in anyway. Alternately, if XXXX XXXX refuses my requests in numbers 5 & 6, I will likely suffer significant harm.
I am claiming my requests in numbers 5 & 6 do not harm any of the Credit Bureaus mentioned in anyway. Alternately, if XXXX , XXXX or TransUnion refuses my requests in numbers 5 & 6, I will likely suffer significant harm
* NOTYE: XXXX XXXX has contacted XXXX XXXX and claimed all charges on the cards ending in XXXX, XXXX and XXXX belong to him and were made without my knowledge or permission. and provided them with an affidavit (same affidavit I am attaching)
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| 05/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
Servicemember |
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There's accounts that were deleted months ago through a organization, I sent disputes 2 forms of I.D. as well as sent debt validation letters to these letters creditors and have gained nothing back. I'm aware of all my rights under the fair credit reporting act (FCRA). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168.
15 USC 1681Section 604 A Section 2 It also states a consumer reporting agency cannot furnish my account without my consent.
I immediately request XXXX per violation
15 USC1681 sec. 602 states I have the right to privacy.
TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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12
I haven't been able to look into my credit reports. All 3 have been locked.
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| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This XXXX is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of XXXX XXXX, it is simply a nightmare trying to get false information removed from a XXXX XXXX. I have contacted all of the false creditors listed on my XXXX XXXX. I have challenged all of the false listings on my XXXX XXXX. Nothing ever happens to fix the situation.
Over XXXX days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the XXXX XXXX XXXX by silence, XXXX v XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within XXXX days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for XXXX XXXX Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my XXXX XXXX.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my XXXX XXXX. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list XXXX an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of XXXX XXXX, it is simply a nightmare trying to get false information removed from a XXXX XXXX. I have contacted all of the false creditors listed on my XXXX XXXX. I have challenged all of the false listings on my XXXX XXXX Nothing ever happens to fix the situation.
Over XXXX days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of XXXX XXXX XXXX, XXXX v XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within XXXX days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for XXXX XXXX Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and XXXX.
The items to be removed from my credit report are list XXXX an attach page..
.Accounts that I didnt authorize and had no knowledge of or reporting accurately, XXXX XXXX and XXXX report is on file, Please DELETE THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reason for dispute___ XXXX________ Account XXXX I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This XXXX is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of XXXX XXXX it is simply a nightmare trying to get false information removed from a XXXX XXXX. I have contacted all of the false creditors listed on my XXXX XXXX. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over XXXX days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted XXXX contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of XXXX XXXX XXXX, XXXX v XXXX ( XXXX ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within XXXX days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for XXXX XXXX Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my XXXX XXXX
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my XXXX XXXX. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list XXXX an attach page.
.
I look forward to your response.
Attachment included INQUIRIES THAT I DIDNT AUTHORIZE AND HAD NO KNOWLEDGE OF Credit Acceptance XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This is possibly my twentieth time attempting to get outdated information/incorrect account information of my report. this has harmed me financially and has prevented me from purchasing a home.
This letter is a formal request to remove outdated information from my credit report. For easy reference, I have enclosed a copy of the credit report that EQUIFAX provided me on XX/XX/XXXX with the outdated items. Per Federal, statute allows a creditor to sue up to 7 years after the last payment was made. However, Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note.In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/XXXX, reporting periods only run XXXX or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/XXXX This letter is a formal request to remove outdated information from my credit report. For easy reference, I've enclosed a copy of the credit removal requests, for XXXX, XXXX XXXX and XXXX XXXX who removed the item and then placed it right back in XXXX of XXXX on the same day the account of from XXXX it is now XXXX.
This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below are completely erroneous and outdated. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. FLORIDA LAW REDUCES THAT TIME TO 5 YEARS FOR A WRITTEN CONTRACT OR PROMISSORY NOTE AND 4 YEARS FOR AN ORAL CONTRACT OR OPEN-ENDED CONTRACT/NOTE. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act XXXX FDCPA XXXX. However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus.
The exact statute : [ 15 USC 1692e ] 0 ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
The Following Account Are in Violation of the Florida Statute 95.11 XXXX XXXX XXXX XXXX XXXX PER THE REPORTS THIS ITEM WAS FIRST REPORTED XX/XX/XXXX ALLEGED ACCOUNT XXXX CONTRACT CANCELLED XXXX OTHER THAN FOR THE RECOVERY OF REAL PROPERTY.ACTIONS OTHER THAN FOR RECOVERY OF REAL PROPERTY SHALL BE COMMENCED AS FOLLOWS : WITHIN FIVE YEARS.
( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States, any other state or territory in the United States, or a foreign country.
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).
( c ) An action to foreclose a mortgage.
( d ) An action alleging a willful violation of s. 448.110.
WITHIN FOUR YEARS.
( a ) An action founded on negligence.
( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.
( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.
( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.
( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.
( f ) An action founded on a statutory liability.
( g ) An action for trespass on real property.
( h ) An action for taking, detaining, or injuring personal property.
( i ) An action to recover specific personal property.
( j ) A legal or equitable action founded on fraud.
( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.
( l ) An action to rescind a contract.
( m ) An action for money paid to any governmental authority by mistake or inadvertence.
( n ) An action for a statutory penalty or forfeiture.
( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.
( q ) An action alleging a violation, other than a willful violation, of s. 448.110.
Additionally, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes., please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which XXXX include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
I request to have my name removed from your marketing lists. Here is the information you have asked me to include in my request : ONLY INFORMATION THAT SHOULD SHOW ON MY REPORT IS AS FOLLOWS : XXXX XXXX XXXX XXXX XXXX XXXX Current Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Previous Mailing Address XXXX XXXX XXXX XXXX Florida XXXX Social Security Number XXXX Date of Birth XX/XX/XXXX EMPLOYER- SHOULD ONLY SHOW 1 XXXX Department of Economic XXXX XXXX XXXX Florida 2 XXXX XXXX XXXX XXXX, Owner PHONE NUMBER SHOULD ONLY SHOW XXXX I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter.
Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA, I respectfully request you forward this information within 15 days of the completion of your re-investigation.
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| 04/05/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I filed a dispute by phone for all of my XXXX student loan accounts listed on Transunion, XXXX, and XXXX on XX/XX/XXXX. After going through my credit report and comparing the information XXXX listed with the above agencies to what was listed on my online account with XXXX, I notice multiple discrepancies : 1. When I filed my dispute on XX/XX/XXXX XXXX was listing wrong dates as well as the wrong original amount borrowed for my student loan accounts listed with the above agencies. On XX/XX/XXXX XXXX made corrections to most of the accounts that contained the wrong amount borrowed and the wrong date of disbursement. On XX/XX/XXXX XXXX emailed me a notice that my dispute was closed and my information was updated. I immediately contacted XXXX and ask why and how XXXX could verify information that was not correct. I was told that XXXX was set up for the creditors and if the creditors verified that the information was correct than no matter what I submitted the information would be listed exactly how the creditor reported. I asked the agent about following the law in accordance with the fair credit report act which states that accounts that have wrong information listed will be deleted. New information by the creditor is only allowed to be placed back on a consumer account after the creditor informs the consumer in writing that the information will be reported to the credit bureau. XXXX never removed the accounts that were improperly reported by XXXX and I never received a written notice from XXXX that they were updating my loan information in response to my dispute. Based on these two things alone, every loan account updated by XXXX in response to my dispute should be permanently removed from my credit bureau accounts. Even with the illegal updates, XXXX still listed a couple of my student loan accounts with the wrong amount.
A. Attached is a copy of an account overview printed on XX/XX/XXXX from my online XXXX account. It can clearly be seen that the total loan amount XXXX listed with the above agencies of $ {$390000.00} differs from what is listed on their website in the amount of $ {$360000.00}. I also include a print out showing the total loan amount reported by XXXX and listed with XXXX. Please take Notice that the total student loan amount is reported the same with all three credit agencies.
2. XXXX duplicated the consolidated loans they listed with the above agencies.
A. XXXX listed the loans that were consolidated in XXXX with credit agencies as {$270000.00} with the original loan date of XX/XX/XXXX. The original loan date is listed online with XXXX as XX/XX/XXXX and, the original amount of the loan is listed as {$45000.00} with a current amount owed of {$130000.00}. This loan was duplicated in error on their website which when added gives a total amount owed of XXXX Please take notice that after reviewing information from the National Federal Loan Database I was able to see that my undergraduate loans were consolidated in XXXX in the amount of {$31000.00} and my graduate loans totaled {$43000.00}. These two loans totaled {$75000.00} and a consolidation of these two loans was completed on XX/XX/XXXX and disbursed on XX/XX/XXXX in the amount of {$91000.00}. I agree that a consolidation took place in XXXX but I do not agree with nor understand how XXXX came up with the consolidation amount of {$91000.00}. I also do not understand why XXXX divide the single consolidated loan amount in half and listed it as XXXX individual loans in the amount of {$45000.00} with the same loan disbursement date. On XX/XX/XXXX I asked these XXXX question to a XXXX supervisor. The supervisor explained to me that he saw three loans in the amounts of approximately {$16000.00} from student loan services, {$31000.00} for my undergraduate loans, {$43000.00} from my graduate loans, {$1000.00} for interest and late fees all totaling the consolidated amount of {$91000.00}. I informed him that there was no {$16000.00} loan listed on the National Federal Database and all of my loans prior to XXXX according to the National Loan Database totaled {$75000.00}. I asked where the {$16000.00} came from and why the single consolidated loan was divided into two loans. He told me that the {$16000.00} came from a consolidated loan transferred to them but he could not tell me any information regarding the year, school or the original amount of the loan. He also said that he did not know why the single consolidated loan was divided and listed as two separate loans. He assured me that it was no big deal that the loan was divided cause each loan together still totaled the same amount and both loans had the same interest rate. I informed him that even though the loans started out with the same amount and same interest rate, the loans are now showing two different amounts owed. One of the loans is listed at {$130000.00} unpaid principal and the other loan is listed as {$130000.00}. I also pointed out that a single consolidated loan of {$75000.00} would never become {$270000.00}. He agreed and said that he would put in a request to have research done on the questions I asked him about. I expressed to him that I did not trust XXXX and I wanted to know exactly how each consolidated loan amount was determined, proof and explanation of how the interest and penalties were calculated to give me current loan amounts and I also asked for the name of the Universities the loans were disbursed to as well as every promissory note bearing my signature. I told him that i should not have to pay for anything they could not produce proof of a signed promissory bearing my signature during a time period I was actually attending school. I also told him that because the amounts were improperly reported to the credit bureaus that they should be immediately removed.
3. The consolidated loans are not only duplicated the total amount is incorrect.
A. Please view above explanation.
4. XXXX listed loans from XXXX University XXXX XXXX XXXX during a time period I did not attend XXXX University XXXX XXXX XXXX.
A. I did not attend XXXX University after XX/XX/XXXX. XXXX has me listed as receiving loans from XXXX University in XXXX. This is seen with the loans that have the wrong date and amount listed as XX/XX/XXXX in the amount of {$7200.00} and XX/XX/XXXX in the amount of {$5100.00}. Please take notice of the attached official transcripts from XXXX University that show my date of attendance. According to my transcripts my last loan disbursed to XXXX University XXXX XXXX XXXX would have been issued in XX/XX/XXXX.
5. XXXX closed out all of my loans and refinanced them without my consent or knowledge.
A. In XXXX XXXX closed all of my student loan accounts and reported to the above credit agencies that the loans were bought out or transferred to another lender. The other lender was XXXX and these new student loans were refinanced without my consent or knowledge. XXXX 's action also left 14 closed student loans on my account that creditors can view negative reporting for pass payment history. Please see attached credit report as proof of the above statement.
6. XXXX Listed loan amounts with the above agencies that I never applied for.
A. I never borrowed more than {$5000.00} at one time from a subsidized or unsubsidized loans from XXXX University XXXX XXXX XXXX. XXXX is claiming that I borrowed {$10000.00} and {$8500.00} twice once on XX/XX/XXXX and again both amounts on XX/XX/XXXX ; this is completely untrue. I believe they combined two semesters of payments equalling one school year and listed it as coming out at one time on one date. In doing so, they not only reported a large incorrect loan amount, they also duplicated loans by reporting the individual semester loans as well. Not to mention I only did one quarter in XXXX got home sick and didn't return to school until XXXX. Therefore, these amounts would be impossible to reach in XXXX. This is further supported by the fact that on my online XXXX account they have the {$10000.00} and {$8500.00} listed as the original amount borrowed on XX/XX/XXXX but they list the unpaid principal amount owed as {$6200.00} for the {$8500.00} loan and the unpaid principal amount of {$8900.00} for the {$10000.00} loan. Keeping in mind that I never paid on these two accounts, how is it possible for the principal amount owed to be lower than the amount borrowed? The answer is that it is not possible. XXXX has charged me with a loan amount that I did not authorize. Please take notice of the attached pdfs printed from my online XXXX account on XX/XX/XXXX that show the above disbursement amount.
In lite of the written and attached evidence, I am requesting that your agency assist me in removing every account XXXX has listed with the above credit agencies under my social security number. XXXX is liable for knowingly overcharging and falsely charging me with loans that I did not authorized and they have violated my rights in multiple ways in accordance with FCRA. Therefore, I am also asking for help in filig a lawsuit against XXXX for financial and emotional damages. Reporting incorrect loan amounts has made my debt ratio so high that it made it impossible for me to qualify for a home mortgage loan or a low interest auto loan. What XXXX has blatantly done to me is unacceptable and they should be held accountable for their actions.
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| 01/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom It May Concern : In recent months we have been in communication with our Representative at XXXX XXXX, XXXX ( XXXX ) XXXX, as well as a XXXX XXXX and XXXX XXXX, in regards to our mortgage being sold to XXXX from XXXX XXXX XXXX ( which by the way, was sold to XXXX by XXXX XXXX in XX/XX/XXXX ). Needless to say, it has been a disaster, and all downhill ever since our mortgage moved to XXXX. Mr. XXXX recommended that we reach out to XXXX 's " Escalations Department '', but nothing has been resolved and no door to communication has been opened between us to date. Mr. XXXX repeated the same reasons, excuses and apologies that you will see listed below, but no help whatsoever to date ). Here is the situation in a nutshell - On XX/XX/XXXX and XX/XX/XXXX our home was impacted by Hurricane Irma, and we sustained thousands of dollars in damage to our home. Due to this fact, XXXX offered us a grace period to not make payments, while avoiding late fees, penalties and interest, so that we could focus on repairs, check into insurance, etc. We were to resume our regular payment schedule during a " trial '' period XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then be re-evaluated. We have records of payments on the following dates : XX/XX/XXXX ( XX/XX/XXXX agreed payment ) XXXX XXXX-XXXX WEB PMTS {$1100.00} XX/XX/XXXX ( XX/XX/XXXX agreed payment ) XXXX XXXX-XXXX WEB PMTS {$1100.00} XX/XX/XXXX ( Should've been XX/XX/XXXX Payment ; please see explanations below ) XXXX XXXX-XXXX ACH PMT {$1200.00} XX/XX/XXXX ( First trial/modification payment to XXXX before given to XXXX ) XXXX XXXX : XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX XXXX DRAFT PMT {$1200.00} XX/XX/XXXX XXXX XXXX XXXX DRAFT PMT {$1200.00} XX/XX/XXXX XXXX XXXX XXXX DRAFT PMT {$1200.00} XX/XX/XXXX MORTGAGE PYMT - XXXX {$1200.00} Below is a general timeline of what took place when following through on our XX/XX/XXXX agreement with XXXX XXXX XXXX : XX/XX/XXXX - made first payment to XXXX XX/XX/XXXX - made multiple calls to XXXX to arrange 2nd payment, only to be told " we are unable to take a payment at this time since we have not received all necessary paperwork from XXXX. Many are experiencing the same thing. Thank you for your patience. Please call back and try again in coming days. '' Again, we attempted multiple times in XX/XX/XXXX ( they do have record of all these calls ) XX/XX/XXXX - Same reply as XX/XX/XXXX, however, told by XXXX XXXX that if we want to make a payment he would take it, but still no paperwork and sorry for delay. We felt uncomfortable making the XX/XX/XXXX or XX/XX/XXXX payments due to the lack of organization between XXXX and XXXX, therefore held off a bit longer, only to begin receiving certified letters telling us that we are facing foreclosure. Also, at this time it was advised by XXXX XXXX that we move to a new program that would go to 40 years with a payment around {$1100.00}, but Mr. XXXX ADVISED AGAINST US DOING SO, " because it was not a good offer compared to what we have ; it would add 10 years, so just hang in there '', therefore we declined ... but paperwork remained as if we had accepted! So, then BOTH opportunities had passed by this time due to poor, or lack of any, communication ...
At this point we truly felt that we were floating at sea sharing one plank of wood between XX/XX/XXXX Complaint Print https : //complaint.consumerfinance.gov/submit-a-complaint/s/complaint-print # 500t000000DJ2TkAAL3/6 the two of us ( me and my wife ). XX/XX/XXXX - After speaking with XXXX XXXX we chose to make the XX/XX/XXXX payment, I believe this was XX/XX/XXXX in the amount of {$1200.00} so as to avoid any lingering threats by mail. At this point all paperwork still not fully transferred and we are told that " many XXXX clients have had the same issue and we are sorry for all '', etc. Same thing we've heard each time contacting someone. [ Note - XXXX XXXX was extremely helpful, and really tried to remedy all in XX/XX/XXXX/XX/XX/XXXX, but XXXX is ALWAYS difficult to reach and offered no true assistance, just excuses and apologies ). In the meantime, more threatening certified letters arrive about foreclosure, but we are assured by every person we contact at XXXX that " these letters are automated and not to be concerned '' ; but because the letters needed to be picked up at the US Post Office and signed for, this caused a huge amount of anxiety and unnecessary stress for me and my wife. XX/XX/XXXX - Spoke with XXXX and XXXX again, this time to find out that there is no record of an XX/XX/XXXX payment!! Even though we have record in our bank account ( I can provide this information ) and it was XXXX XXXX himself that took the payment! In addition, we've discovered that our credit report at this point begins to show 150+ days past due on our most important payment ... our mortgage!! This has absolutely destroyed our credit! This has also made it impossible to refinance and start fresh ; we have had cards cancelled by creditors and are now struggling to keep up with all. So, the same person that initially advised against us going with the 40-year plan, and the same person that took our payment then could not find record or remember ( XXXX " XXXX '' XXXX ) is recommending at this point that we begin this new program of 40 years, etc. in XX/XX/XXXX to keep the home from going into foreclosure. So, this is what we felt forced to sign up for ; no issue on our end, just very bad business on their end! But we pay the price! Our credit, our reputation, our mental and emotional turmoil, etc. Certainly, it's our belief, that anyone would have been uneasy to make additional payments at this point ; so XX/XX/XXXX was not paid so that we could begin fresh, with the new plan for XX/XX/XXXX - XX/XX/XXXX. So, we've made the XX/XX/XXXX payment in the amount of {$1100.00} in XX/XX/XXXX and the XX/XX/XXXX payment of the same amount in XX/XX/XXXX ( please see notes from our XXXX XXXX statement above ). Finally, I was told today that we should contact you with this complaint, and it was mentioned that XXXX may have sold off to XXXX due to some legal issues regarding how they've treated consumers, such as us. Although we have nothing personal against any person listed in this complaint, we do have it with XXXX XXXX, and we want our credibility restored via our Credit Report, etc. We want this to be made right, and we want the opportunity to refinance with a reputable company. In fact, we really need to get this resolved as soon as possible. According to XXXX we are 180+ days late on our payments and this is simply not true, and this is not our doing ... it's just unacceptable. Can you help us? Please contact us at your earliest convenience.
ALL OF THE ABOVE WAS IN MY INITIAL COMPLAINT FILED ON XX/XX/XXXX COMPLAINT NUMBER - XXXX Since that time we agreed to jump through all of the hoops created by XXXX and set up a 2nd Modification Agreement ( TPP ). We reluctantly made the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX payments and received a letter in XX/XX/XXXX, after our January payment stating " Congratulations! You are CURRENT ''. On the same day we received a separate letter from XXXX stating the opposite ; that " we have not yet received your notarized documentation to honor the TPP '' and a veiled threat that will be reported to credit and foreclosure could become a factor, AGAIN!!! Once again, the right hand does not know what the left hand is doing and we are stuck in this perpetual spin cycle with no resolution. On XX/XX/XXXX ( 2 days ago ) I was notified by all credit monitoring agencies that we are 120+ days past due on our mortgage and our credit score dropped at least 80 points overnight!! So, I called XXXX today and spoke with XXXX XXXX ; she has enlightened me with the following facts : 1. XXXX knew that we could not make payments within 60 days of XXXX moving the mortgage to XXXX, yet we were not given this information and in XX/XX/XXXX WE WERE PUNISHED ( her exact words ) due to THEIR oversight/mistake. Yet, we still moved to a terrible 40 year mortgage setup and jumpled through the 2nd TPP hoops.
2. XXXX XXXX told me today ( XX/XX/XXXX ) that there is NOTHING indicating that we are late, nor that anything has been or should be reported as such on our credit, yet, it very clearly is as of today. XXXX said that " by all I see here you are current and never been reported late, etc. '' We have spoken with an attorney that said we " definitely have a case '' ; we are getting a retainer together now, and that most of this falls under FDUTPA - The Florida Deceptive Trade Practices Act.
Again, we are receiving two different documents on the same day from XXXX that contradict one another ( we have much proof to provide ). This has caused a major amount of stress, unneeded upset, mental anguish and needs to be made right ASAP!!!
The first complaint filed was simply ignored because XXXX is only going by " what they see in the computer '', but my feeling is they must have TWO FILES for us and they are not paying attention to the erroneous one causing all the problems!
They owe us an apology, a credit above and beyond the heartache, and they need to put us back to 30 years at 3.875 % with the remaining balance of around {$190000.00}!
This is unlawful, unacceptable, incompetent and unethical on multiple levels!
Help us!!
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| 11/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX OF Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX CA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX FOR Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I sent this letter to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by XXXX XXXX XXXX XXXX XXXX. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. this debt should have be Since my account has been charged off. And now sold with out my knowledge. this account does not belong on my report as a charged off. Two companies can not report the same debt. This is a certificate of indebtedness that is suppose to claimed as income and income can not be reported on your credit file or report.
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Attention : Consumer Support Services XXXXXXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX XXXX XXXX XXXX XXXX Account # XXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXXXXXX XXXXXXXX and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY.
I never gave XXXX XXXX XXXX XXXX XXXX Any of my information it was SOLD to you by XXXX XXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX, XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX XXXX XXXX.
Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor since XX/XX/XXXX Per the letter sent to me by XXXX XXXX XXXX XXXX XXXX. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
If XXXX XXXX XXXX XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
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| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page..
.
I look forward to your response.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name_XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX XXXX XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are listed on an attached page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXXXXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are listed on an attached page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XX/XX/XXXXXXXX XXXX : XXXX Transunion XXXX XXXX XXXX XXXX XXXX Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will be filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote to each of the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are listed on an attached page.
I look forward to your response.
Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name : Peoples Gas/Online in sv Date Open : Account Number : XXXX Reason for dispute : Identity Theft Account Amount : XXXX Account Name : XXXX XXXX Date Open : Account Number : XXXX Reason for dispute : Identity Theft Account Amount : XXXX
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. XXXX XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX XXXX is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. Delete it immediately from my report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. The following personal information is incorrect Account XXXX : XXXX, XXXX, XXXX is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, ID XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX is not my name. Delete it immediately from my report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Idaho XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act.
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report.
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA 623 ( a ) ( 2 ) ( B ) 5. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to XXXX if t XXXX Account Number : XXXX FDCPA 807 FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION 6. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to XXXX if t XXXX XXXX XXXX Account Number : XXXX FDCPA XXXX FALSE AND MISLEADING REPRESENTATION PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT 7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. 15 U.S. Code 1681s2 ( a ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to b XXXX XXXX XXXX Account Number : XXXX YOU ARE REPORTING THIS ACCOUNT INACCURATELY. THIS SHOULD NOT BE REPORTED ON MY CREDIT REPORT AS I HAVE BEEN NOTIFYING YOU THAT THERE ARE SET OF SPECIFIC INFORMATION THAT ARE ABSOLUTELY NOT CORRECT AND YOU NEED TO DELTE THEM. THIS ACCOUNT IS ABSOLUTELY NOT ACCURATE, I DEMAND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.
9. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry.
10. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry XXXX XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
12. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. This is a violation of 5 U.S.C. 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of up to XXXX if t XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX* 5 U.S. Code 1681s2 ( a ) ( 1 ) - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. YOU ARE REPORTING THIS ACCOUNT INACCURATELY. THIS SHOULD NOT BE REPORTED ON MY CREDIT REPORT AS I HAVE BEEN NOTIFYING YOU THAT THERE ARE SET OF SPECIFIC INFORMATION THAT ARE ABSOLUTELY NOT CORRECT AND YOU NEED TO DELTE THEM. THIS ACCOUNT IS ABSOLUTELY NOT ACCURATE, I DEMAND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT. PLEASE DELETE THIS ACCOUNT FROM MY CREDIT REPORT.
15. The following personal information is incorrect Also Known As : XXXX, XXXXXXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXXXXXX XXXX XXXX The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore, please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information as contained on the reported trade- line is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please do not provide some generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study proved that over 79 % of consumer credit reports contain errors. Another report shows that more than 90 % contain errors. Why does your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA, as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful non- compliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this request and greeting your mistakes CORRECTED.
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS OFFICE Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX ) XXXX CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency
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| 10/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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NOTICE OF DEFAULT AND OPORTUNITY TO CURE To : XXXX, XXXX and Transunion I have requested several times now to the above-mentioned Credit Reporting Agencys to remove the following XXXX XXXX Bankruptcy for my consumer report. I Have given you more than 30 days to do so.
Under the Federal Consumer credit Protected rights I have the right to privacy and confidentiality which you have decided to continuously violate despite multiple written requests.
15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
The law states that CRA assume the role they are not required, but you must respect the right for a Consumers right to privacy and I decide what is private to me.
You have caused me defamation of character and multiple violations and adverse actions taken against me due to your unlawful practices.
Under Arizona Revised Statue SB 1614 XXXX XXXX CONSUMER DATA PRIVACY ARTICLE 1. GENERAL PROVISIONS STATES THAT E. A CONSUMER MAY REQUEST THAT A BUSINESS DELETE ANY PERSONAL INFORMATION ABOUT THE CONSUMER THAT THE BUSINESS HAS COLLECTED FROM THE CONSUMER. A BUSINESS THAT COLLECTS PERSONAL INFORMATION ABOUT CONSUMERS SHALL DISCLOSE PURSUANT TO SUBSECTION L OF THIS SECTION THE CONSUMER 'S RIGHTS TO REQUEST THE DELETION OF THE CONSUMER 'S PERSONAL INFORMATION. A BUSINESS THAT RECEIVES A VERIFIABLE REQUEST FROM A CONSUMER TO DELETE THE CONSUMER 'S PERSONAL INFORMATION SHALL DELETE THE CONSUMERS PERSONAL INFORMATION FROM ITS RECORDS AND DIRECT ANY SERVICE PROVIDERS TO DELETE THE CONSUMER 'S PERSONAL INFORMATION FROM THEIR RECORDS.
F. A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT A CONSUMER OR THAT DISCLOSES A CONSUMER 'S PERSONAL INFORMATION FOR A BUSINESS PURPOSE SHALL DISCLOSE THE INFORMATION SPECIFIED IN SUBSECTION E OF THIS SECTION TO THE CONSUMER ON RECEIPT OF A VERIFIABLE REQUEST FROM THE CONSUMER. A THIRD PARTY MAY NOT SELL PERSONAL INFORMATION ABOUT A CONSUMER THAT HAS BEEN SOLD TO THE THIRD PARTY BY A BUSINESS UNLESS THE CONSUMER HAS RECEIVED EXPLICIT NOTICE AND IS PROVIDED AN OPPORTUNITY TO EXERCISE THE RIGHT TO OPT OUT.
G. A CONSUMER, AT ANY TIME, MAY DIRECT A BUSINESS THAT SELLS PERSONAL INFORMATION ABOUT THE CONSUMER TO THIRD PARTIES NOT TO SELL THE CONSUMER 'S PERSONAL INFORMATION. THIS RIGHT MAY BE REFERRED TO AS THE RIGHT TO OPT OUT.
O. ANY CONSUMER WHOSE NONENCRYPTED OR NONREDACTED PERSONAL INFORMATION IS SUBJECT TO AN UNAUTHORIZED ACCESS AND EXFILTRATION, THEFT OR DISCLOSURE AS A RESULT OF A BUSINESS 'S VIOLATION OF THE DUTY TO IMPLEMENT AND MAINTAIN REASONABLE SECURITY PROCEDURES AND PRACTICES APPROPRIATE TO THE NATURE OF THE INFORMATION TO PROTECT THE PERSONAL INFORMATION MAY INSTITUTE A CIVIL ACTION FOR ANY OF THE FOLLOWING : 1. RECOVERY OF DAMAGES IN AN AMOUNT OF AT LEAST {$100.00} AND NOT MORE THAN {$750.00} PER CONSUMER PER INCIDENT OR ACTUAL DAMAGES, WHICHEVER IS GREATER.
2. INJUNCTIVE OR DECLARATORY RELIEF.
3. ANY OTHER RELIEF THE COURT DEEMS PROPER.
P. IN ASSESSING THE AMOUNT OF STATUTORY DAMAGES, THE COURT SHALL CONSIDER ANY ONE OR MORE OF THE RELEVANT CIRCUMSTANCES PRESENTED BY ANY OF THE PARTIES TO THE CASE, INCLUDING THE NATURE AND SERIOUSNESS OF THE MISCONDUCT, THE NUMBER OF VIOLATIONS, THE PERSISTENCE OF THE MISCONDUCT, THE LENGTH OF TIME OVER WHICH THE MISCONDUCT OCCURRED, THE WILFULNESS OF THE DEFENDANT 'S MISCONDUCT AND THE DEFENDANT 'S ASSETS, LIABILITIES AND NET WORTH. A CONSUMER MAY BRING AN ACTION PURSUANT TO THIS SECTION IF, BEFORE INITIATING ANY ACTION AGAINST A BUSINESS FOR STATUTORY DAMAGES ON AN INDIVIDUAL OR CLASS-WIDE BASIS, THE CONSUMER PROVIDES A BUSINESS THIRTY DAYS ' WRITTEN NOTICE THAT IDENTIFIES THE SPECIFIC PROVISIONS OF THIS SECTION THE CONSUMER ALLEGES HAVE BEEN OR ARE BEING VIOLATED. IF A CURE IS POSSIBLE AND IF WITHIN THE THIRTY DAYS THE BUSINESS ACTUALLY CURES THE NOTICED VIOLATION AND PROVIDES THE CONSUMER AN EXPRESS WRITTEN STATEMENT THAT THE VIOLATIONS HAVE BEEN CURED AND THAT NO FURTHER VIOLATIONS WILL OCCUR, AN ACTION FOR INDIVIDUAL STATUTORY DAMAGES OR CLASS-WIDE STATUTORY DAMAGES MAY NOT BE INITIATED AGAINST THE BUSINESS. A NOTICE IS NOT REQUIRED BEFORE AN INDIVIDUAL CONSUMER INITIATES AN ACTION SOLELY FOR ACTUAL PECUNIARY DAMAGES SUFFERED AS A RESULT OF THE ALLEGED VIOLATIONS OF THIS SECTION. IF A BUSINESS CONTINUES TO VIOLATE THIS SECTION IN BREACH OF THE EXPRESS WRITTEN STATEMENT PROVIDED TO THE CONSUMER UNDER THIS SECTION, THE CONSUMER MAY INITIATE AN ACTION AGAINST THE BUSINESS TO ENFORCE THE WRITTEN STATEMENT AND MAY PURSUE STATUTORY DAMAGES FOR EACH BREACH OF THE EXPRESS WRITTEN STATEMENT, AS WELL AS ANY OTHER VIOLATION OF THIS SECTION THAT POSTDATES THE WRITTEN STATEMENT. ANY BUSINESS OR THIRD PARTY MAY SEEK THE OPINION OF THE ATTORNEY GENERAL FOR GUIDANCE ON HOW TO COMPLY WITH THIS SECTION. A BUSINESS IS IN VIOLATION OF THIS SECTION IF THE BUSINESS FAILS TO CURE ANY ALLEGED VIOLATION WITHIN THIRTY DAYS AFTER BEING NOTIFIED OF ALLEGED NONCOMPLIANCE. ANY BUSINESS, SERVICE PROVIDER OR OTHER PERSON THAT VIOLATES THIS SECTION IS LIABLE FOR A CIVIL PENALTY IN A CIVIL ACTION BROUGHT IN THE NAME OF THIS STATE BY THE ATTORNEY GENERAL OF UP TO {$7500.00} FOR EACH VIOLATION.
Q. THE REGULATION OF CONSUMER DATA PRIVACY IS OF STATEWIDE CONCERN. THIS SECTION SUPERSEDES AND PREEMPTS ALL REGULATION OF CONSUMER DATA PRIVACY AND IS NOT SUBJECT TO FURTHER REGULATION BY A COUNTY, CITY, TOWN OR OTHER POLITICAL SUBDIVISION OF THIS STATE.
R. FOR THE PURPOSES OF THIS SECTION : 1. " BUSINESS '' MEANS A SOLE PROPRIETORSHIP, PARTNERSHIP, LIMITED LIABILITY COMPANY, CORPORATION, ASSOCIATION OR OTHER LEGAL ENTITY THAT IS ORGANIZED OR OPERATED FOR THE PROFIT OR FINANCIAL BENEFIT OF ITS SHAREHOLDERS OR OTHER OWNERS, THAT COLLECTS CONSUMERS ' PERSONAL INFORMATION, OR ON THE BEHALF OF WHICH SUCH INFORMATION IS COLLECTED AND THAT ALONE, OR JOINTLY WITH OTHERS, DETERMINES THE PURPOSES AND MEANS OF PROCESSING CONSUMERS ' PERSONAL INFORMATION, THAT DOES BUSINESS IN THIS STATE AND THAT SATISFIES ONE OR MORE OF THE FOLLOWING THRESHOLDS : ( a ) HAS ANNUAL GROSS REVENUES IN EXCESS OF {>= $1,000,000}.
( b ) ALONE OR IN COMBINATION, ANNUALLY BUYS, RECEIVES FOR THE BUSINESS ' COMMERCIAL PURPOSES, SELLS OR SHARES FOR COMMERCIAL PURPOSES, ALONE OR IN COMBINATION, THE PERSONAL INFORMATION OF FIFTY THOUSAND OR MORE CONSUMERS, HOUSEHOLDS OR DEVICES.
( c ) DERIVES FIFTY PERCENT OR MORE OF ITS ANNUAL REVENUES FROM SELLING CONSUMERS ' PERSONAL INFORMATION.
2. " PERSONAL INFORMATION '' : ( a ) MEANS INFORMATION THAT IDENTIFIES, RELATES TO, DESCRIBES, IS CAPABLE OF BEING ASSOCIATED WITH OR COULD REASONABLY BE LINKED, DIRECTLY OR INDIRECTLY, WITH A PARTICULAR CONSUMER OR HOUSEHOLD, INCLUDING : ( i ) IDENTIFIERS SUCH AS A REAL NAME, ALIAS, POSTAL ADDRESS, UNIQUE PERSONAL IDENTIFIER, ONLINE IDENTIFIER INTERNET PROTOCOL ADDRESS, EMAIL ADDRESS, ACCOUNT NAME, SOCIAL SECURITY NUMBER, DRIVER LICENSE NUMBER, PASSPORT NUMBER OR OTHER SIMILAR IDENTIFIER.
( ii ) CHARACTERISTICS OF PROTECTED CLASSIFICATIONS UNDER STATE OR FEDERAL LAW.
( iii ) COMMERCIAL INFORMATION, INCLUDING RECORDS OF PERSONAL PROPERTY, PRODUCTS OR SERVICES PURCHASED, OBTAINED OR CONSIDERED OR OTHER PURCHASING OR CONSUMING HISTORIES OR TENDENCIES.
I AM ATTACHING THE FULL STATUE FOR YOUR REVIEW SO THAT YOU MAY DO YOUR DUE DILLIGANCE AND RESPECT MY RIGHTS AND PRIVACY.
I AM NOW DEMANDING THAT YOU IMMEDIATELY REMOVE THE BANKRUPTCY AND ALL ACCOUNTS ASSOCIATED WITH THE BANKRUPTCY FORM MY CONSUMER REPORT BEFORE LEGAL ACTION IS TAKE UPON YOUR AGENCY.
THIS IS YOUR LAS OPORTUNITY TO CURE.
Also correct my name and address on all consumer reports to reflect the following and only the following : XXXX XXXX address is XXXX XXXX XXXX XXXX, XXXX AZ XXXX.
Remove all other names alias and address for they are incorrect and expose me to identity fraud.
I have attached my ID and Bill of proof of identity and address.
Let this notice serve as an intent to sue!
Respectfully submitted XXXX XXXX
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| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 02/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Good afternoon, Again, the same person or maybe another one without knowledge of anything that is happening.
On XX/XX/2022 my loan was transfer from XXXX XXXX to XXXX, by that time and to make clear about the letters that you attached on the previous response. I did not receive those letter until XX/XX/ 2022 when I called you to request them. I PERSONALLY called you and XXXX XXXX in order to update myself from all the mess that you created and nobody informed me. Again and for last time, I need the person behind these messages that I got and that dont solve anything to understand the following facts : I was transfer to XXXX on XXXX XXXX, 2022 I had to returned {$730.00} to XXXX XXXX from a check they sent me saying that I over paid my escrow account. Based on a wrong calculation they did, the sent me the money but after doing another calculation they realized I had to return the {$730.00}, my mortgage payment after the forbearance plan I was in until XXXX 2022 was going to start on XX/XX/XXXX. for {$3100.00} thanks to the modification and I had to pay {$730.00} so that brings the account to be paid ONLY in XX/XX/XXXX, {$3900.00}. Amount that I paid to XXXX XXXX on XXXX XXXX, 2022 from my bank account from XXXX XXXX XXXXXXXX, ending in XXXX and proof of that is the bank statement I sent 7 times to your email of loss mitigation and to 7 supervisors emails, so to your answer on the previous message you sent me, I did send the statement but not only to you but as well to XXXX XXXX so please do not say that anymore because you have it and all your customer service agents confirmed with me the 51 times I called and spoke to them. After me paying the amount of {$3900.00} to XXXX XXXX XXXXXXXX XXXX continues charging my account for the amount of {$3.00} as it was my monthly payment, but that was never my monthly payment, proof of that all the letters and escrow analysis, XXXX XXXX sent me on that XX/XX/XXXX by email and that you had it, because of all your agents confirmed with me. It was until XX/XX/XXXX after fighting every week during XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX in order to correct that in the system that you finally fix it. Proof of that are all the mortgage statements that you posted in my account and those that dont lie because were issued by XXXX. So yes, I made a payment on XX/XX/XXXX, because I was not going to wait for you to fix something that you didnt fix between XX/XX/XXXX XXXX XX/XX/XXXX. Ive decided since then to use a threat in order to catch your attention and it was start paying late so I did it but I didnt work. Thats because you dont care about anything, you just there calling by automated system and putting a lot mitigation agents in order to call me and request payment. Thanks to God everything is recored so you have all the calls I made with each of the 51 agents Ive spoken to. As said before By XX/XX/XXXX again, I CALLED ( as always me doing everything ) and I finally got one good news, it was that the account was corrected and shows in the system that my payment was no longer {$390000.00} and the right amount was put in the system as {$3100.00}. So my question again to you, if I paid {$3900.00} to XXXX XXXX on XXXXXXXX XXXX and I all my payments to you were made for an amount of {$310000.00} why do I have unapplied funds? Why your payment history doesnt show that I paid my mortgage on XXXX, XXXX, XXXX, etc. ( attached the payment history from XXXXXXXX XXXX website ) why do you still charge my account wrong and dare to report it to the agencies that I was pass due when I was never pass due? You had the money all the time! but not only that, after all this mess you created I was not only affected healthy wise by this situation but I was affected on the thrust that the supplier working on the remodeling of my house that since everything was finance they run my credit in order to provide me with the supplies for the rest of the projects and they had to stop because you reported my account late 60 days, which was wrong all the time. You had the money because XXXX XXXX sent you a check with {$5400.00} which included the payment of {$390000.00} and the remaining was part of the little money I had on Escrow because I didnt pay anything on 2022 since I was in forbearance and modification, there was not money in my escrow, so you allocated the money incorrectly, I PUT YOU ON THE PHONE WITH XXXX XXXX and they explained to you that they sent the check and the {$390000.00} were included in that check. But of course you didnt care because none of the supervisor I was talking to all this time were able to comply with their word and job and finish with this since day one. Ive been doing the job for you and putting all the efforts on this affecting my normal life and nerves trying to make your XXXX agents how the situation was.
Still after months of fighting you dared to report me as 60 and 99 days late when all this mistake was your responsibility and for the lack of that and all the bad work of your employees I had to face a situation where my house is still undone since I dont have how to complete the job the workers left since they were not able to come back because of the credit being affected and not able to provide me with material and labor. But on top of that, my company on its quarterly check discover in my credit report that I was reported by you and I almost lose my job on that first instance, I had to request a grace period in order to fix this and I was provided twice 3 months to fixed I tile XX/XX/XXXX when they finally fired me. Still today, you dared to send a letter saying that I haven send the statement, you dared to say that I was wrong on the information I provided, you dared to still stick to the idea that you are correct when you have no idea of what is happening?
Lastly the only one doing something was XXXX XXXX. A supervisor that asked to be called XXXX who is the only one taking this to the level we are now. Of course depending on cash management where XXXX another supervisor that promised me thousand things and found the issue of this account and did nothing, was transfer to. We agreed with XXXX and XXXX from credit department that he was going to clear my name on the credit agencies if I agree to pay what you havent clear out, plus the month of XXXX and he was going to send the report to the agencies that I was never late and I was ll the time current and that my account was current. I agreed and immediately sent the money, the deal was, they will find the money {$3900.00} and apply it to my account for the next month which I hope could be XXXX since I still hope you fulfill your word that you needed until XX/XX/XXXX, ( the 4th extension I gave you ) to finish this investigation. So I paid {$730.00} to put with the unapplied funds of {$2400.00} and cover one month ( again I dont know where those unapplied funds of {$2400.00} came from because Ive always paid my mi they payment as it was {$3100.00} ) plus two months more in order for him to do that. And I want you to listen to that recording in order to prove the truth! However the same day, I had to call XXXX because my account was reported again as 90 days late in the agencies and I was so mad but she asked me to give XXXX an opportunity since he was working on sending the letter and updating my account with the agencies. Turns out I had this weekend another report from XXXX that my account was reported pass due and a flag with 90 days past due. Not only I lost my job, my house is undone, my life is a mess but you are laughing at me doing what you want. But on top of that, you dare to answer to this complaint again with XXXX and lies, not even informing yourself with the situation! Not even calling to get an update and the truth behind all this! And you continue ruining my life after the letter XXXX sent me saying that my account was never late and is current but you are the only one with no knowledge on how to answer this because you have no idea of anything!!! But still date yourself to answer this important credit concern with lies and being miss informed?
Please stop this show of covering you company and accept once and for all that dont have the capability to do this job and clarify this account, ask me for help so I can contact my attorney and have a discovery of the documents I have and not the mask you are putting with all the documents that you have and that are wrong because nothing matches the information I have from XXXX website and all my bank statements.
I finally want XXXX from the credit department and XXXX to fix this account and stop putting excuses that I was late and I was pass due, you owe me {$3900.00} and you have credit it to my account for the month of XXXX.
Ill have a remaining {$730.00} that either you applied to the Escrow account. Where it is supposed to be or a credit to the next month of XXXX.
But I want you to stop saying the same thing and copying the same document because you got them in the same way I got them by email on XX/XX/XXXX. Also, check on the payment history ( attached here ) to see the mess you have there. And finally fulfill your word and fix my credit I need to continue with my life and you have everything to do it right as it should be since day one.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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DELETE THIS ACCOUNT IMMEDIATELY XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY I SENT THIS LETTER TO XXXX XXXX XXXX XXXX Since this debt was originally Charged off by the creditor XXXX XXXX charged off debt can not be reported due to the fact that the IRS Publication states it is XXXX. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes DELETE THIS ACCOUNT IMMEDIATELY XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY AND BLOCK THIS COMPANY XXXX XXXX Services FROM REPORTING ON MY CREDIT REPORT AND FILE XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX Location XXXX To whom it may concern : Per the FCRA as XXXX federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX. I never gave XXXX XXXX XXXX. Any of my information it was SOLD to them by XXXX XXXXl which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!! This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/ office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX. Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount. * Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent. Since this debt was originally Charged off by the creditor, this means that the debt was written off due it being a certificate of indebtedness. I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A. * Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is. If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped. Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which I was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT. If XXXX XXXX XXXX. fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company database, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts. I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose. Respectfully, XXXX XXXX _________________________________
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| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Indiana XXXX SS # : XXXX Date of Birth : XX/XX/XXXXXXXX Subject : Urgent Request : Addressing FCRA Violations in My Credit Report Dear [ Recipient 's Name ], I am writing with urgency to address critical discrepancies discovered in my credit report that sharply contradict the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). After a thorough review, it has become apparent that multiple errors persist within my credit profile, signaling a significant failure in FCRA compliance within your agency.
To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. It emphasizes the necessity for accurate acquisition, retention, and disclosure of consumer credit data, ensuring transparent information sharing with consumers.
Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies.
Reporting agencies merging individuals ' information based on name similarities or social security numbers.
Agencies neglecting prescribed protocols for handling disputes.
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly for employment purposes.
Receive notification if my file 's information has been used against me in credit applications or other transactions.
Dispute and request bureaus to rectify and remove incomplete, erroneous, or unverifiable data.
Removal of outdated negative information ( typically after seven years, or ten in cases of bankruptcy ).
I formally request the immediate removal of the listed items below. These items unequivocally breach FCRA standards due to their inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused significant distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IN XXXX - This address is not correct. Delete it immediately from my report.
2. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
3. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
4. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
6. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
7. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
10. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
12. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
13. XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
14. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
15. XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
16. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
18. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
25. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
26. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
27. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
28. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
29. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
30. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
31. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
32. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
33. XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
34. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
35. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
36. XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
37. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
38. XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
39. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
40. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
41. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
42. XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
43. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
44. XXXX Date of inquiry : XX/XX/XXXXXXXX Inquiries have reached the statute of limitation.
45. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
46. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
47. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
48. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
49. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
50. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
51. XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
52. The following personal information is incorrect Account Number : Date of Birth : XX/XX/XXXXXXXX 53. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX 54. The following personal information is incorrect Account Number : Employers : XXXX XXXX 55. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
56. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
57. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
58. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
59. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
60. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
61. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
62. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
63. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
64. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
I anticipate swift action to rectify these violations within the timeframe mandated by the FCRA. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld.
Sincerely, XXXX XXXX
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to inform you that I have discovered violations of the Fair Credit Reporting Act ( FCRA ) in my consumer file. Specifically, inaccurate, unverifiable, and invalidated information remains on my credit report, despite your obligation under FCRA to delete it. Failure to do so could result in pending litigation, seeking relief, and monetary compensation as allowed by the FCRA 's civil liability for willful noncompliance ( 15 U.S. Code 1681n ) and negligent noncompliance ( 15 U.S. Code 1681o ) and 15 U.S. Code 1692k civil liability.
As a first step, I am offering this final written settlement before litigation as an opportunity to resolve the issue amicably. Please note that a copy of this letter will become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation if you fail to comply with this offer of settlement.
The FCRA mandates that you have the original documentation to verify the accuracy of the information on my credit report. You stated that you had verified the items in question, yet you have failed to provide any supporting documentation or the method of verification as required under Section 611 ( a ) ( 1 ) ( A ) & ( a ) ( 7 ) of the FCRA. According to Section 611 ( 5 ) ( A ) of the FCRA, you are required to " promptly DELETE all information which can not be verified. '' As my credit report shows, you have violated the FCRA by continuing to report inaccurate and unverifiable information about me. To be clear, I demand that you delete the following items immediately : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX CA XXXX XXXX XXXX inquiry dated XX/XX/XXXX, which was not authorized XXXX XXXXXXXX inquiry dated XX/XX/XXXX, which was not authorized XXXXXXXX XXXX inquiry dated XX/XX/XXXX, which was not authorized The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXXXXXX Account XXXX : XXXX Please correct/update this inaccurate information on my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX IN Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
As a consumer, I have the right to accurate credit reporting under the FCRA. I expect you to comply with my demands and remove these items from my credit report as required by law. Failure to do so will result in litigation to enforce my rights under the FCRA.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 08/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Incorrect information on your report
- Account status incorrect
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Web |
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At the beginning ofXX/XX/XXXXupon closing on our new home, I discovered that XXXX XXXX was inaccurately reporting information regarding a previous auto account that had been repossessed. We made arrangements to repay the outstanding amount on the loan and accidently missed a XXXX payment and called at the end of XXXX to inform them of our oversight and our intentions to provide a double payment in XXXX. To our shock, XXXXXXXX XXXX stated they had already sent it to garnishment. My husband and I had no choice but to file bankruptcy although the defaulted auto loan was about the only debt we had. We were advised by our attorney that only one of us should file since we lived in a community property account and had been married for over 10 years. My husband filed and the debt mentioned in this report was included it in my husband 's bankruptcy.
For approximately a year after the bankruptcy XXXXXXXX XXXX continuously called and harassed me. I eventually reached out to our attorney and a cease and desist letter was sent to XXXXXXXX XXXX In response to the letter they stopped calling but apparently turned thier attention to my credit history. In XXXX my husband and I began the process of purchasing our first home. Naturally our underwriter requested information regarding the account. I reached out to the special assets department of XXXXXXXX XXXX and was told to speak to a representative by the name of XXXX. I explained the situation regarding my husband 's bankruptcy and the fact that my debt was included under his bankruptcy according to community property state laws. My husband and I have been married for over 10 years and remain currently married as of today therefore my debt was included in his bankruptcy which was discharged in XX/XX/XXXX XXXX would not give me any information and adamantly refused to give me anything in writing regarding my account. After speaking to XXXX on 2 different occasions and getting nowhere, I asked if I could speak to a supervisor. The supervisor told me that I was incorrect in my interpretation of community property laws however she would send me a letter stating the information regarding my account status with XXXXXXXX XXXX. This request was made onXX/XX/XXXX The supervisor told me on the phone that she would be sending me a hard copy, she also asked for my address and also if I would like an electronic copy sent as well. The letter never showed up so I began calling again to which I was told that I would only be able to speak to a different supervisor by the name of XXXX XXXX. XXXX informed me that I would never ever receive a letter from XXXX XXXX stating my account status and he had no record of my call with the previous supervisor or any of the previous failed dispute attempts. The supervisor I spoke to originally ironically did not give me her name. He then repeatedly told me to take it up with the credit bureaus. I explained that I have filed a total of six complaints towards XXXXXXXX XXXX regarding this issue, hired a law firm and spent multiple hours on the phone trying to get this corrected.
The problem was each and every time I called to inquire about the account or ask questions, XXXX XXXX immediately would update my account with 120 days past due. As stated above, this account was included in the bankruptcy therefore I was unable to even pay on the account much less, all of a sudden be 120 days past due. Until XXXX this account was not reporting. The date of the first update was XX/XX/XXXX and the second update was on XXXX XXXX, XXXX which is the date of the letter promised by the other supervisor. The inaccuracies at this point included : foreclosure terminology instead of the correct repossession terminology, the account appeared open when it was supposed to be closed in XXXX, and numerous late payments after the date of my initial inquiry into the account. I stated for three months repetitiously then I will need all three of these inaccuracies corrected and documentation to prove that such inaccuracies were updated correctly. They refused to correct the information & repeatedly stated you will have to take that up with the credit bureau 's ; to which when I called the credit bureaus they told me that XXXX XXXX verified the information, the inaccurate information. I would then turn around and call XXXX XXXX and he would repeatedly state that I needed to take it up with the credit bureaus.
This consumed over three months of a daily struggle, 6 to 8 hours a day desperately trying to get correct information reported to the credit bureau 's. We are in the middle of a house closing and the inaccuracies have caused this much strife and eventually cost us our house. XXXX XXXX was made aware of all of this throughout the entire past four months however refused to budge on anything brought to their attention.
As a last resort, onXX/XX/XXXX, I decided to walk into a local XXXXXXXX XXXX branch and ask for information regarding my account. The branch manager immediately pulled up my information and low and the hold the requested letter from XX/XX/XXXX was in my file. The branch manager printed it out and gave it to me however it only stated that the account has been charged off not closed as it should be reflected. I then attempted to call XXXX with the Special Assets Department of XXXX XXXX back and hopes to get the correct information reported. He again defaulted to the statement you 'll have to take that up with the credit bureau 's and furthermore told me that the credit bureaus must be obtaining their information from the wrong address and I should provide them with the correct address so that the correct information would be reflected. As absurd as this actually was I followed through with his request and as expected the credit bureaus immediately told me that I could not provide such information it would have to be given by the bank self due to the fact that XXXXXXXX XXXX subscribes to their service therefore they must provide information to the credit bureau 's.
After many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XXXX was simply moving in accurate, illegal informati after many phone calls to all three credit bureau 's on a regular basis it became apparent that XXXX XXXX was simply moving in accurate information from one credit bureau to another does making it almost impossible to keep up with/and or correct.
On XXXX XXXX, XXXX, after many persistent phone calls and threatening to report them to the FTC and to contact the president of XXXX Bank, XXXX XXXX and XXXX XXXX agreed to send me a letter stating they were in fact reporting inaccurately. On XXXX XXXX, XXXX they provided me with a copy of the universal dataform that was supposed to reflect a triveta update to each of the credit bureaus.
The following information was to be corrected : no late payments past XXXX, no foreclosure terminology and no open account. The changes were accurate however they were only reflected on my credit report for approximately 48 hours. Upon further investigation of the submitted Universal Data Form, it was brought to our attention that they also illegally change the responsibility from a joint account to an individual account and they also increased the total amount from {$9900.00} to approximately XXXX and one day later increased the amount owed to approximately XXXX. They also added XXXX late payments to my 72 month term account after sending documentation stating all late payments were to be removed past XXXX. All of which is false and illegally being reported to all three credit bureau 's. XXXXXXXX XXXX has refused to correct the most recent inaccuracies and have defaulted back to staing that I need to contact the credit bureaus to which I called and supplied all of my letters however due to the time restraints of the situation it was in my best interest to contact CFPB. I can provide all documentation regarding the letters written to me from XXXXXXXX XXXX stating the fact that they were in accurately reporting, the copy of the universal dataform and many screenshots of their reporting over the past 4 months. This situation has cost my family and I our home and the opportunity to even purchase a home. We will not be able to ever purchase a home without XXXX XXXX correcting the information. As mentioned, I have spent approximately 6 to 8 hours daily to get this corrected.
The following INACCURATE information is showing on multiple credit reporting agencies : Account open, amount past due of {$19000.00}, joint account now shows individual account responsibility and XXXX late payments.
The account should ACCURATELY reflect the account closed in XXXX, joint responsibility, and no late payments after XXXX.
However, at this point, I would like the entire debt to be removed from all three credit bureau 's so that XXXX XXXX has no means of accessing my Social Security number or any of my information in the future due to multiple failed opportunities to accurately and legally handled the situation. They have changed the information they are reporting on a daily bases and I have no faith that any information reported by them will be reported correctly and will not be changed in the future unbeknownst to me.
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| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I REQUESTED A XXXX ON XXXX AND THE COMPANY REPILED, THEY CAN NOT GIVE ME THE INFORMATION I REQUESTED AND KEPT REPORTING LATE PAYMENTS AND ACCORDING TO THE LAW I HAVE A RIGHT TO REQUEST ANY INFO I HAVE ABOUT MY LOAN. THEY ARE NOT SUPPOSE TO REPORT ANY INFORMATION TO THE CREDIT REPORTING ANGENCY UNTIL THE INVESIGATION IS COMPLETE FOR 60 DAYS THEY HAVE VIOLATETED MY RIGHTS AS A CONSUMER. 12 USC 2605 SERVICING OFMORTGAGE LOANS AND ADMINISTRATIONS OF ESCROW ACCOUNTS.
( e ) Duty of loan servicer to respond to borrower inquiries ( 1 ) Notice of receipt of inquiry ( A ) In general If any servicer of a federally related mortgage loan receives a qualified written request from the borrower ( or an agent of the borrower ) for information relating to the servicing of such loan, the servicer shall provide a written response acknowledging receipt of the correspondence within 5 days ( excluding legal public holidays, XXXX, and XXXX ) unless the action requested is taken within such period.
( B ) Qualified written request For purposes of this subsection, a qualified written request shall be a written correspondence, other than notice on a payment coupon or other payment medium supplied by the servicer, that ( i ) includes, or otherwise enables the servicer to identify, the name and account of the borrower; and ( ii ) includes a statement of the reasons for the belief of the borrower, to the extent applicable, that the account is in error or provides sufficient detail to the servicer regarding other information sought by the borrower.
( XXXX ) Action with respect to inquiry Not later than 30 days ( excluding legal public holidays, XXXX, and XXXX ) after the receipt from any borrower of any qualified written request under paragraph ( XXXX ) and, if applicable, before taking any action with respect to the inquiry of the borrower, the servicer shall ( A ) make appropriate corrections in the account of the borrower, including the crediting of any late charges or penalties, and transmit to the borrower a written notification of such correction ( which shall include the name and telephone number of a representative of the servicer who can provide assistance to the borrower ) ; ( B ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) to the extent applicable, a statement of the reasons for which the servicer believes the account of the borrower is correct as determined by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower ; or ( C ) after conducting an investigation, provide the borrower with a written explanation or clarification that includes ( i ) information requested by the borrower or an explanation of why the information requested is unavailable or can not be obtained by the servicer ; and ( ii ) the name and telephone number of an individual employed by, or the office or department of, the servicer who can provide assistance to the borrower.
( XXXX ) Protection of credit rating During the XXXX period beginning on the date of the servicers receipt from any borrower of a qualified written request relating to a dispute regarding the borrowers payments, a servicer may not provide information regarding any overdue payment, owed by such borrower and relating to such period or qualified written request, to any consumer reporting agency ( as such term is defined under section 1681a of title 15 ).
( 4 ) Limited extension of response time The 30-day period described in paragraph ( 2 ) may be extended for not more than 15 days if, before the end of such 30-day period, the servicer notifies the borrower of the extension and the reasons for the delay in responding.
( f ) Damages and costs Whoever fails to comply with any provision of this section shall be liable to the borrower for each such failure in the following amounts : ( 1 ) Individuals In the case of any action by an individual, an amount equal to the sum of ( A ) any actual damages to the borrower as a result of the failure; and ( B ) any additional damages, as the court may allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not to exceed {$2000.00}.
( 2 ) Class actions In the case of a class action, an amount equal to the sum of ( A ) any actual damages to each of the borrowers in the class as a result of the failure; and ( B ) any additional damages, as the court may allow, in the case of a pattern or practice of noncompliance with the requirements of this section, in an amount not greater than {$2000.00} for each member of the class, except that the total amount of damages under this subparagraph in any class action XXXX not exceed the lesser of ( i ) {>= XXXX} ; or ( ii ) XXXX percent of the net worth of the servicer.
( XXXX ) Costs In addition to the amounts under paragraph ( XXXX ) or ( XXXX ), in the case of any successful action under this section, the costs of the action, together with any attorneys fees incurred in connection with such action as the court XXXX determine to be reasonable under the circumstances.
( XXXX ) Nonliability A transferor or transferee servicer shall not be liable under this subsection for any failure to comply with any requirement under this section if, within 60 days after discovering an error ( whether pursuant to a final written examination report or the servicers own procedures ) and before the commencement of an action under this subsection and the receipt of written notice of the error from the borrower, the servicer notifies the person concerned of the error and makes whatever adjustments are necessary in the appropriate account to ensure that the person will not be required to pay an amount in excess of any amount that the person otherwise would have paid.
( g ) Administration of escrow accounts If the terms of any federally related mortgage loan require the borrower to make payments to the servicer of the loan for deposit into an escrow account for the purpose of assuring payment of taxes, insurance premiums, and other charges with respect to the property, the servicer shall make payments from the escrow account for such taxes, insurance premiums, and other charges in a timely manner as such payments become due. Any balance in any such account that is within the servicers control at the time the loan is paid off shall be promptly returned to the borrower within XXXX business days or credited to a similar account for a new mortgage loan to the borrower with the same lender.
( h ) Preemption of conflicting XXXX laws Notwithstanding any provision of any law or regulation of any State, a person who makes a federally related mortgage loan or a servicer shall be considered to have complied with the provisions of any such State law or regulation requiring notice to a borrower at the time of application for a loan or transfer of the servicing of a loan if such person or servicer complies with the requirements under this section regarding timing, content, and procedures for notification of the borrower.
( i ) XXXX purposes of this section : ( XXXX ) Effective date of transfer The term effective date of transfer means the date on which the mortgage payment of a borrower is first due to the transferee servicer of a mortgage loan pursuant to the assignment, sale, or transfer of the servicing of the mortgage loan.
( XXXX ) ServicerThe term servicer means the person responsible for servicing of a loan ( including the person who makes or holds a loan if such person also services the loan ). The term does not include ( A ) the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX, in connection with assets acquired, assigned, sold, or transferred pursuant to section XXXX ( c ) of this title or as receiver or conservator of an insured depository institution ; and ( B ) the Government XXXXXXXX XXXX XXXX, the XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX, the XXXX XXXX XXXX, or the XXXX XXXX XXXX XXXX, in any case in which the assignment, sale, or transfer of the servicing of the mortgage loan is preceded by ( i ) termination of the contract for servicing the loan for cause ; ( ii ) commencement of proceedings for bankruptcy of the servicer ; or ( iii ) commencement of proceedings by the XXXX XXXX XXXX XXXX or the XXXX XXXX XXXX for conservatorship or receivership of the servicer ( or an entity by which the servicer is owned or controlled ).
( XXXX ) Servicing The term servicing means receiving any scheduled periodic payments from a borrower pursuant to the terms of any loan, including amounts for escrow accounts described in section 2609 of this title, and making the payments of principal and interest and such other payments with respect to the amounts received from the borrower as XXXX be required pursuant to the terms of the loan.
( j ) Transition ( XXXX ) Originator liability A person who makes a federally related mortgage loan shall not be liable to a borrower because of a failure of such person to comply with subsection ( a ) with respect to an application for a loan made by the borrower before the regulations referred to in paragraph ( XXXX ) take effect.
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing this dispute to request enforcement of the legal provisions that were violated by the creditors listed below. These violations have had a profound impact on my life, causing me significant emotional distress and financial hardship.
Creditor : XXXX XXXX XXXX Account Number : XXXX According to all three credit bureaus, I was reported as being 120 days late on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite not missing any payments on this account. Transunion and XXXX both show a monthly payment balance of {$0.00}, but XXXX did not report this information. Furthermore, Transunion and XXXX show a balance of {$21000.00}, but XXXX reports a balance of {$21000.00}. Lastly, Transunion 's last reported date is XX/XX/XXXX, but XXXX and XXXX 's last reported dates are XX/XX/XXXX and XX/XX/XXXX, respectively.
These actions by the creditor violate the following provisions of federal law : Fair Credit Reporting Act ( FCRA ) Section 623 ( a ) ( 1 ) ( A ) : Creditors must report accurate and complete information to credit bureaus.
Section 623 ( a ) ( 1 ) ( B ) : Creditors must notify credit bureaus of any corrections to inaccurate information.
Section 623 ( a ) ( 2 ) : Creditors must investigate disputes about inaccurate information and correct errors as necessary.
Truth in Lending Act ( TILA ) Section 128 : Creditors must provide accurate and transparent disclosures about loan terms, fees, and servicing practices to consumers.
Section 129 : Consumers have the right to rescind certain types of loans within a specified period of time.
Real Estate Settlement Procedures Act ( RESPA ) Section 2605 : Servicers must respond to requests for information and complaints from borrowers in a timely manner.
Section 2605 ( e ) : Servicers must correct errors related to borrower accounts and respond to written requests from borrowers for information.
Fair Credit Billing Act ( FCBA ) Section 1666 : Creditors must promptly investigate and correct billing errors and unauthorized charges on consumer accounts.
These violations have caused me great distress, as I have been unfairly penalized for a delinquency that did not occur. The inaccurate information on my credit report has impacted my ability to secure loans, employment, and housing. It has caused significant financial hardship and has taken a toll on my mental and emotional well-being.
XXXX XXXX XXXX XXXX regarding my account number XXXX. According to all three bureaus, I was reported as 60 days late on XX/XX/XXXX, even though I did not miss any payment on this account. Additionally, TransUnion and XXXX show a balance of {$110.00}, while XXXX shows a balance of {$150.00}. Furthermore, XXXX mentioned the payment status is due 120 days, but I never received any notification from them regarding this due 120 days account, and they never provided any paperwork with me. The other two bureaus did not report any negative information on my account.
These actions by XXXX XXXX XXXX XXXX are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically Sections 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), which require creditors to report accurate and complete information to credit bureaus and investigate disputes about inaccurate information and correct errors as necessary. Furthermore, these actions may also be in violation of the Truth in Lending Act ( TILA ), specifically Section 128, which requires creditors to provide accurate and transparent disclosures about loan terms, fees, and servicing practices to consumers. Additionally, the Real Estate Settlement Procedures Act ( RESPA ), specifically Sections 2605 and 2605 ( e ), may have also been violated as XXXX XXXX XXXX XXXX did not respond to my requests for information and complaints in a timely manner and did not correct errors related to my account or respond to my written requests for information.
Specifically, I would like to highlight the following violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Section 623 ( a ) ( 1 ) ( A ) : Creditors must report accurate and complete information to credit bureaus.
Section 623 ( a ) ( 2 ) : Creditors must investigate disputes about inaccurate information and correct errors as necessary.
Section 809 ( a ) : Debt collectors must send a written notice to consumers within five days of their initial communication about the debt, which includes the amount of the debt and the name of the creditor to whom the debt is owed.
One of my creditors, XXXX with account number XXXX, has reported an unpaid status to XXXX without providing any notification or paperwork to me. However, the other two credit bureaus have not reported any negative information regarding this account. This is a clear violation of the FCRA, as creditors must report accurate and complete information to all three credit bureaus.
In addition, another creditor, XXXX XXXX with account number XXXX, has reported inaccurate information to all three credit bureaus. According to their reports, I was 60 days late on XX/XX/XXXX and 30 days late on XX/XX/XXXX, even though I never missed any payments on this account. Furthermore, the balance reported by XXXX and TransUnion is different from the balance reported by XXXX. XXXX also mentioned a due status of 120 days, which I never received any notification or paperwork about. These inaccuracies are a clear violation of the FCRA, and creditors must investigate and correct any errors as necessary.
In particular, the account with XXXX ( account number : XXXX ) has been reported as charged off by XXXX and TransUnion, but I have never received any notification regarding this charge off account. Furthermore, they have failed to provide me with any paperwork or documentation regarding the account, while one bureau did not report any negative information on the account. Additionally, there are discrepancies between the reported balances and dates across the bureaus, which adds to the confusion.
This inaccurate reporting is in violation of several laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). Specifically, the creditors have violated Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires them to report accurate and complete information to credit bureaus, as well as Section 623 ( a ) ( 2 ), which mandates that creditors investigate disputes about inaccurate information and correct errors as necessary. Moreover, Section 623 ( a ) ( 5 ) requires creditors to delete information that is inaccurate, incomplete, or can not be verified. The creditors have also violated Section 128 of TILA, which requires them to provide accurate and transparent disclosures about loan terms, fees, and servicing practices to consumers.
The creditor 's failure to provide me with a notice or paperwork related to the charge off account is a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), which requires debt collectors to send a written notice to consumers within five days of their initial communication about the debt, including the amount of the debt and the name of the creditor to whom the debt is owed.
XXXX XXXX XXXX : TransUnion shows a monthly payment of {$0.00}, but XXXX and XXXX did not report it. TransUnion also shows a high credit balance of {$440.00}, but XXXX and XXXX did not report it. All three bureaus show the payment status as charge off, but I never received any notification from them regarding this charge off account, and they never provided me with any paperwork. TransUnion shows the last active date as XX/XX/XXXX, but XXXX is XX/XX/XXXX, and XXXX was XX/XX/XXXX.
These creditors have violated the following provisions of the FCRA : Section 623 ( a ) ( 1 ) ( A ) : Creditors must report accurate and complete information to credit bureaus.
Section 623 ( a ) ( 2 ) : Creditors must investigate disputes about inaccurate information and correct errors as necessary.
Section 623 ( a ) ( 5 ) : Creditors must delete information that is inaccurate, incomplete, or can not be verified.
Furthermore, the creditor 's failure to provide me with a notice or paperwork related to the charge off account could be a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( a ), which states that debt collectors must send a written notice to consumers within five days of their initial communication about the debt, which includes the amount of the debt and the name of the creditor to whom the debt is owed.
This inaccurate and incomplete information on my credit report has had a significant impact on my life. It has made it difficult for me to obtain loans, credit cards, and even housing. I have been denied credit and suffered from higher interest rates, which has resulted in financial strain and added stress.
I request that these unverified accounts be removed from my credit report as soon as possible. I also request that the CFPB enforce the legal provisions of the FCRA and FDCPA to hold these creditors accountable for their violations and to prevent future harm to consumers.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
XXXX XXXX XXXXXXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXXXXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Oh, please verify by providing color copy of my ID wet signature of original contract or immediately update to paid never missed a payment.
Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXXXXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXXXXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX XXXXXXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX XXXXXXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXXXXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXXXXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXXXXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and CIVILLY LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
Bankruptcy - XXXX - 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to privacy this Bankruptcy shouldn't be on my credit report, you shared my personal Information without my consent. this is identity theft ; you are criminally and XXXX LIABLE - This account are inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXXXXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXXXXXX XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.XXXX XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
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| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : The following addresses & phone numbers & names are reporting incorrectly and must be removed immediately Names XXXX, XXXX XXXX XXXX XXXX XXXX Note : The only name that should be listed on my credit file is XXXX XXXX. No other name should be listed, please remove it from my credit file. It reports inaccurate information. I only have one name, immediately remove other names from my credit file.
Addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX Date Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Date Reported XX/XX/XXXXXXXX Note : I did not live at these address please remove these addresses, the only address should be listed should be only XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone Numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Note : Please remove these phone numbers, I never had these numbers please remove these phone numbers.
Sincerely, XXXX I received a copy of my credit report and found the following item ( XXXX ) to be errors. Here are follows are items in error I am writing this letter to dispute information that is falsely listed on my credit report referenced below. I would like these accounts removed from my credit report, I would like these to be deleted from my credit report. The inaccurate information that appears on my credit report is as follows : COMPANY NAME : XXXX XXXX XXXX ( XXXX ) XXXX ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
COMPANY NAME : XXXX XXXX XXXX ( XXXX ) DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX REASON : : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
COMPANY NAME : XXXX XXXX ( XXXX ) DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX REASON : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
COMPANY NAME : XXXX ( XXXX ) DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX REASON : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
COMPANY NAME : XXXX XXXX ( XXXX ) DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX REASON : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
I received a copy of my credit report and found the following item ( s ) to be errors. Here are follows are items in error I would like the following inquiries to be removed from my credit report and I would like to dispute these credit inquiries that are placed on my credit file.
Company Name : XXXX Location : XXXX XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXX Inquiry Type : Participant Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX, DE XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX Location : XXXX XXXX XXXX XXXX, NC XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : TRANS UNION NA via XXXX XXXX - XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX OPT Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXX XXXX XXXX XXXX, MN XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX via XXXX Location : XXXX XXXX XXXX XXXX, IL XXXX Requested On : XX/XX/XXXXXXXX Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXXXXXX Inquiry Type : Individual Permissible Purpose WRITTEN AUTHORIZATION Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXXXXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXXXXXX XXXX XXXX XXXX, VA XXXX Requested On : XX/XX/XXXXXXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX NAME XXXX Location : XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On : XX/XX/XXXXXXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
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| 08/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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First Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Acct # XXXX Letter that was sent to XXXX XXXX XXXX
To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe {$590.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Second Collection Company : XXXX XXXX XXXX Below is the letter that was sent to XXXX XXXX XXXX 30 days ago : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I owe past due amount {$880.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) 5. Medical Debt Act of 2015 ( Violation of HIPPA Law ) This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to : ( 1 ) a medical debt ( arising from the receipt of medical services, products, or devises ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Third Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I OWE A BALANCE {$2800.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fourth Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is regarding account # XXXX, which you claim I OWE A BALANCE {$590.00}. CREDIT LIMIT {$300.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.
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| 03/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2400.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 2 yrs, 2 mos ) Account status Open Type -- Responsibilit yIndividual Remarks Placed for collection Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1800.00} Open balance 09 XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 6 yrs, 0 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 09 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$860.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksAccount information disputed by consumer, meets FCRA requirements Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$460.00} Open balance 10 XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksDispute resolved ; reported by grantor Original creditor name10 XXXX XXXX XXXX XXXX XXXX, Last reported XX/XX/XXXX {$220.00} Open balance 11 XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2400.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$860.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$460.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 4 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account previously in dispute - Now resolved by data furnisher Original creditor name XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$330.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original creditor name XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$310.00} Open balance XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 3 yrs, 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$310.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX.
Last reported XX/XX/XXXX {$270.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$150.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original creditor name XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$150.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original creditor name XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$150.00} Open balance XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 5 yrs, 9 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$100.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$75.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$26.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksPlaced for collection Original creditor name11 XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$2400.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$860.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksConsumer disputes this account information Medical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$460.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 4 yrs, 10 mos ) Account status Open Type -- Responsibility Individual Remarks Account previously in dispute - Now resolved by data furnisher Original creditor name XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$330.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 6 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original creditor name XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$310.00} Open balance XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 3 yrs, 6 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$310.00} Open balance XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Consumer disputes this account information Medical Original creditor name XXXX XXXX XXXX XXXX XXXX XXXX.
Last reported XX/XX/XXXX {$270.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 4 yrs, 7 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$150.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 3 yrs, 8 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original creditor name XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$150.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/XXXX ( 5 yrs, 9 mos ) Account status Open Type -- Responsibility Individual Remarks Medical Original creditor name XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$150.00} Open balance XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 5 yrs, 9 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$100.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$75.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 yrs, 2 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$26.00} Open balance XXXX XXXX XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account statusOpen Type -- ResponsibilityIndividual RemarksMedical Original creditor nameXXXX XXXX XXXX
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| 04/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXXOCC see below emails My credit report is at a XXXX and went down 50 points as XXXX is reporting me late on my XXXX VISA. Ask XXXX why when I call and I have recorded calls- they will not accept my payment. By post or in XXXX XXXX Cease and Desist was added by an XXXX named XXXX XXXX and read the letter he wrote me from the last complaint. Thirst people can not do this! I am going to now sue for all the horrible acts XXXX is getting away with via CFPB!!!
I HAVE Undeniable proof. Shame on you CFPB for allowing XXXX violate over and over. The works is XXXX down and XXXX during a Corona virus reports me late! XXXX list on line they are willing to help during the Corona virus! What a bunch of liars. Negligence. XXXX would not take my payment. Charging me late fees and interest and lied over and over.
I will make sure every XXXX employee and higher up is held accountable for there actions.
Those XXXX employees were emailed many times a day not one response. No XXXX visa statement which can only be mailed since its a closed account which again closed the account in 3 weeks. My loan account no access. Told to go in a branch by XXXX to show I am XXXX XXXX I have many recorded calls, emails and went in the Branch and this was in my prior complaint!!!!
I want to make this clear since I have filed many complaints regarding the many bank violations XXXX has done over and over. CFPB just forwards the complaint and does not read and allows XXXX bank to get away with banking violations. I have sent an email to the director of the OCC. XXXX bank black listed my emails, Will not allow me to make a payment over the phone, not in a branch or the drive thru. I am also told due to the inability to work together and read a transcript. I HAVE Recorded calls. I have not received my XXXX visa statement since XX/XX/XXXX. They put a cease and desist without my permission!!!! They will not take my loan payments since XX/XX/XXXX. I had to beg for two hours no access to my own loan account!!!! I have been going in circles with these XXXX.
From : XXXX XXXX XXXX Sent : Thursday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : Fw : Acct XXXX Visa XXXX XXXX XXXX XXXX. Loan XXXX XXXX, the only creditor reporting me delinquent via Transunion credit report stating I am delinquent as of XX/XX/XXXX. XXXX put a cease and desist order!!!!! And blacklisted my emails. Meaning they blocked my emails as that is the email message I receive back. XXXX bank will not take my payments by phone, in the bank , drive through or by mail. I am being told by XXXX employees they read me a transcript on the phone due to our relationship XXXX is unable to assist so on and so forth. This abuse needs to stop. I have not received a XXXX visa statement since my XX/XX/XXXX payment was due XX/XX/XXXX to XX/XX/XXXX statement. My loan which I paid {$6000.00} and not behind charging me late fees and interest. Charging me interest on my Visa of {$71.00} with late fees. I am not late with one other creditor nor have any issues with any of my creditors. This is horrible that XXXX is abusive and unprofessional. I was in a hardship program with my XXXX visa. I tried to renew it and once again the games and hours on the phone. Keep in mind I have ample proof XXXX violated every banking violation you can think of. I am done dealing with being abused. Creditors are assisting people with no issues. This bank is not only trying to sabotage my credit but will do everything in there power in any way possible to harm me mentally. Possibly harming me in some way.
If XXXX will not speak to me, or assist me in the Branch, and I mailed out my payment to a XXXX XXXX from the XXXX chairmans office and still will not take my payments! Someone needs to step in as I will not be mentally abused or physically harm me and have my credit ruined for the egregious acts XXXX persons have done to me. I have substantial proof.
XXXX XXXX I have emailed over and over. XXXX black listed my email. So I have filed a complaint with OCC with director. My credit score has gone down 50 points. I have telephone recordings! Proof I was at a branch. Are you people out of your mind!!!
Where is my XXXX statement! This XXXX from the chairmans office sends a letter which is a bunch of lies which I sent in my prior complaint.
signed by a low end advocate XXXX XXXX who is a complete XXXX and is a liar. I ha e phone records I called XXXX in XXXX, XXXX and XXXX. I have phone recordings along with my phone Records!!!! CFPB complaint XXXX. The whole world is shut down and they are reporting me late!!!! I have stellar credit. These people are the worst low end people.
1. They black listed my emails. I am not allow in a branch. Not because I am a threat if I was than they should take me to Court! Changed my password to my loan account which I have no access too and paid {$6000.00} a head of time. They charged me a late fees on that account and I was not late. I HAVE PROOF!!!
These people are not going to get away with this!!! I have also contacted a Lawyer in the FCC.
From : XXXX XXXX XXXX Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX ; XXXX XXXX Cc : XXXX XXXX Subject : Acct XXXX Visa XXXX XXXX XXXX XXXX. Loan Att XXXX XXXX : Another incompetent XXXX employee. Customer Advocate. How disgraceful!
Mr. XXXX, I called your office and due to this outbreak as you well know I spoke to an official at the OCC and told due to my story I was advised to add you to this email. I have all proof to back up every single claim against XXXX Bank and its employees who continue to violate banking laws. The list is endless.
1. I am so tired of filing complaints with CFBP and OCC and State Attorney General Office who gave me XXXX XXXX phone number and email address. He did not have the decency to respond to one of my emails!!!!! I have recorded calls, Phone statements, ID numbers of XXXX employees I spoke too!!!!!
I was in a hardship program for my Visa. I had a direct contact with Director- XXXX XXXX XXXX who no longer works there!!!! I called many times XXXX, XXXX, XXXX to inquire to renew. I was provided XXXX phone number by one of your XXXX employees along with many others that would not provide phone numbers or transfer or assist to this so called new department!!!!! I spent hours on the phone!
I have substantial proof!!!! Your hardship department has changed as of XX/XX/XXXX with no letter, and calling over and over with not one person to renew this. This XXXX XXXX XXXX adds a cease and desist!!! XXXX bank can not even send out a correct dated letter or even debit my XXXX bank account for my loan payments when I had my bank acct. I have never had one issue with any other creditor accept this XXXX XXXX bank!!!! I want this situation over. I will not be abused anymore.
1. I want the interest removed from my XXXX visa and late fees!!!! No one would take my payment. I was on the phone for two hours. Not one person would take my measly {$42.00} payment. I went in the bank and have no access to my loan. My password was changed and not by me and no one else accept XXXX bank I was locked out of my own acct. I had to beg someone to take my payment over the phone.
I paid you XXXX {$6000.00} and did not even allocate the money properly. I have late charges. My interest is through the roof!!!! No statements that I asked for! I can not even log in my own account!!!!! I am not behind in my payments!!!!!
I want my loan payments deferred and interest stopped. The same for the closed Visa acct! It was closed after three weeks. There is endless story after story.
I went in XXXX Bank Branch with my passport, DL, and proof of my residence. XXXX at XXXX XXXX would not assist me and told me my get out as he has the authority through XXXX XXXX that he does not have to assist me.
For the record XXXX XXXX Ive emailed you prior and you did not respond. Many times!!!!
FYI I assure you its the law to assist. I will never go away until your egregious mistakes are rectified.
I want my statements to my loan.
Who is going to assist with hardship for my credit card. Who is going to assist with my loan.
As for XXXX XXXX Shame on you. By the way I mailed my payment and the check was not cashed!!!!!
You have the nerve to treat me like a peasant and tell me to mail my payment!!!! Ask XXXX why he did not take my payment!!!!! You XXXX!!!
Note : This is the only creditor I am having a three year battle. This has been going on since XX/XX/XXXX!
I am so tired of spending hours to make a payment, to beg people to take a payment and not even late with my payments. I am locked out of my loan account! No statements, late fees, I am not even late. Interest not correct! I go into a XXXX Branch. My check is not accepted!!!!! What is going on here!!!!!!!
I have proof of every statement I make and witnesses and High Ranking employee In the consumer affairs office that tried to assist me and spoke to XXXX XXXX and its employees. He said- I have been here over 15 years and never seen a case like this along with the hellish people at XXXX bank. This needs to stop once and for all. NOW.
XXXX XXXX
|
| 02/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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The inquires listed below by XXXX and Transunion are not inquires I authorized and should be deleted ASAP. I have also contacted the companies who did inquires and was told to dispute them.
XXXX Inquires below: Please delete!!
Inquiry details
XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Automobile Dealers, New
XXXX
Inquiry from XX/XX/XXXX
Credit Unions
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Automobile Dealers, New
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Automobile Dealers, New
XXXX XXXX
Inquiry from XX/XX/XXXX
Credit Unions
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
XXXX XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX
Inquiry from XX/XX/XXXX
Credit Unions
XXXX
Inquiry from XX/XX/XXXX
Miscellaneous Reptg. Agencies
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX XXXX
Inquiry from XX/XX/XXXX
Personal Loans Cos.
XXXX
Inquiry from XX/XX/XXXX
Credit Unions
XXXX
Inquiry from XX/XX/XXXX
Miscellaneous Reptg. Agencies
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX
Inquiry from XX/XX/XXXX
Credit Unions
XXXX
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Credit Unions
XXXX XXXX
Inquiry from XX/XX/XXXX7
Auto Financing
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
All Banks
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
All Banks
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
All Banks
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Automobile Dealers, New
XXXX XXXX
Inquiry from XX/XX/XXXX
Automobile Dealers, New
XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
All Banks
XXXX XXXX
Inquiry from XX/XX/XXXX
Personal Loans Cos.
XXXX XXXX
Inquiry from XX/XX/XXXX
Automobile Dealers, New
XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX
Inquiry from XX/XX/XXXX
Credit Unions
XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
XXXX XXXX
Inquiry from XX/XX/XXXX
Credit Unions
XXXX
Inquiry from XX/XX/XXXX
Miscellaneous Reptg. Agencies
XXXX XXXX In
Inquiry from XX/XX/XXXX
Automobile Dealers, New
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Auto Financing
Transunion Inquires: Please delete!!!
Inquiry details
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
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Automotive
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Inquiry from XX/XX/XXXX
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Inquiry from XX/XX/XXXXAutomotive
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Automotive
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Automotive
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Finance
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Automotive
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
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Credit Union
XXXX XXXX
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Bank
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Bank
XXXX/XXXX
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Department & Variety Stores
XXXX XXXX
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Bank
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Finance
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Finance
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Inquiry from XX/XX/XXXX
Finance
XXXX XXXX I
Inquiry from XX/XX/XXXX
National Credit Cards/Airlines
XXXX Inquiry from XX/XX/XXXX
Misc.
XXXX Inquiry from XX/XX/XXXX
Misc.
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
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Automotive
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Inquiry from XX/XX/XXXXAutomotive
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Automotive
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Automotive
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Automotive
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Automotive
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Automotive
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Automotive
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Inquiry from XX/XX/XXXX
Automotive
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Inquiry from XX/XX/XXXX
Automotive
XXXX XXXX Bank
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Credit Union
XXXX Inquiry from XX/XX/XXXX
Credit Union
XXXX XXXX I
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Bank
XXXX XXXX I
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Bank
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Inquiry from XX/XX/XXXX
Bank
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Inquiry from XX/XX/XXXX
Bank
XXXX XXXX I
Inquiry from XX/XX/XXXX
Bank
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Inquiry from XX/XX/XXXX
Bank
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Inquiry from XX/XX/XXXX
Bank
Compass Bk I
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
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Inquiry from XX/XX/XXXX
Automotive
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
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Inquiry from XX/XX/XXXX
Automotive
XXXX Che
Inquiry from XX/XX/XXXX
Automotive
XXXX
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Finance
XXXX Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
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Inquiry from XX/XX/XXXX
Finance
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Finance
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Inquiry from XX/XX/XXXX
Finance
XXXX XXXX #
Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXX
Credit Union
XXXX XXXX
Inquiry from XX/XX/XXXX
Credit XXXX XXXX XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
XXXX XXXX
Inquiry from XX/XX/XXXX
Home Furnishings
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
XXXX XXXX
Inquiry from XX/XX/XXXX
Automotive
XXXX Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank XXXX XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXXBank
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX XXXX
Inquiry from XX/XX/XXXX
Bank
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXX
Finance
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Inquiry from XX/XX/XXXX
Finance
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Inquiry from XX/XX/XXXX
Finance
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Inquiry from XX/XX/XXXX
Finance
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Inquiry from XX/XX/XXXX
Finance
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Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXXFinance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXXFinance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXXFinance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
XXXX
Inquiry from XX/XX/XXXX
Finance
Trans Union
Inquiry from XX/XX/XXXX
Misc.
Trans Union
Inquiry from XX/XX/XXXX
Misc.
Trans Union
Inquiry from XX/XX/XXXX
Misc.
Trans Union
Inquiry from XX/XX/XXXX
Misc.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I SENT THIS LETTER TO XXXX XXXX XXXXXXXX. Since this debt was originally Charged off by the creditor XXXXXXXX XXXX XXXX XXXX Credit Card charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statute.
XXXX XXXX XXXX XXXX XXXX XXXX -DELETE THIS ACCOUNT IMMEDIATELY XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX XXXX XXXXXXXX To whom it may concern : Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX have given to XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Account to provide my personal information to XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX XXXX.
I never gave XXXX XXXX, XXXX Any of my information it was SOLD to them by XXXX XXXX XXXX XXXX XXXX which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C . 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information was sold to XXXX XXXX XXXX XXXX I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safeguard it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you XXXX be limited in your use of that information. Consumers and customers who have the right to opt out XXXX do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX, XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled by the company, NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the original Creditor. I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
Also, I request that you provide evidence that I must pay you in anything other than appropriate commercial paper should the debt be proven valid because, to my knowledge, this was charged off by The original creditor which i was suppose to receive a 1099-C and NO FURTHER COLLECTION CAN BE DONE TO THIS ACCOUNT.
If XXXX XXXX, XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX _________________________________
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
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I received a copy of my credit report and found the following items to be errors. Here as follows are items in error : The following addresses & phone numbers & names are reporting incorrectly and must be removed immediately Names XXXX, XXXX XXXX XXXX XXXX XXXX Note : The only name that should be listed on my credit file is XXXX XXXX. No other name should be listed, please remove it from my credit file. It reports inaccurate information. I only have one name, immediately remove other names from my credit file.
Addresses XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WI XXXX Date Reported XX/XX/XXXX Note : I did not live at these address please remove these addresses, the only address should be listed should be only XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX Phone Numbers ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Note : Please remove these phone numbers, I never had these numbers please remove these phone numbers.
Sincerely, XXXX I received a copy of my credit report and found the following item ( s ) to be errors. Here are follows are items in error I am writing this letter to dispute information that is falsely listed on my credit report referenced below. I would like these accounts removed from my credit report, I would like these to be deleted from my credit report. The inaccurate information that appears on my credit report is as follows : COMPANY NAME : XXXX XXXX XXXX ( XXXX ) XXXX ADDRESS : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
COMPANY NAME : XXXX XXXX XXXX ( XXXX ) DATE : XX/XX/XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX REASON : : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
COMPANY NAME : XXXX XXXX ( XXXX ) DATE : XX/XX/XXXXXXXX ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX REASON : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
COMPANY NAME : XXXX ( XXXX ) DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX REASON : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
COMPANY NAME : XXXX XXXX ( XXXX ) DATE : XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX REASON : I NEVER APPLIED WITH THIS COMPANY, I WOULD LIKE THIS REMOVED FROM MY CREDIT REPORT. THIS IS INCORRECT INFORMATION LISTED. I AM A VICTIM OF IDENTITY THEFT. I WOULD LIKE THIS TO BE REMOVED IMMEDIATELY.
I received a copy of my credit report and found the following item ( s ) to be errors. Here are follows are items in error I would like the following inquiries to be removed from my credit report and I would like to dispute these credit inquiries that are placed on my credit file.
Company Name : XXXX Location : XXXX XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXX Inquiry Type : Participant Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX, DE XXXX Requested On : XX/XX/XXXXXXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On : XX/XX/XXXXXXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MN XXXX Requested On : XX/XX/XXXX, XX/XX/XXXXXXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX Requested On : XX/XX/XXXX, XX/XX/XXXXXXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX Location : XXXX XXXX XXXX XXXX, NC XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : TRANS UNION NA via XXXX XXXX - XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXX XXXX XXXX XXXX, MN XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX via XXXX Location : XXXX XXXX XXXX XXXX, IL XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose CREDIT TRANSACTION Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, WI XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Permissible Purpose WRITTEN AUTHORIZATION Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX XXXX Location : XXXX XXXX XXXX XXXX XXXX, TX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX XXXX Location : XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
Company Name : XXXX NAME XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, SD XXXX Requested On : XX/XX/XXXX Inquiry Type : Individual Reason : I NEVER APPLIED WITH THIS COMPANY, I DID NOT AUTHORIZE THIS ON MY CREDIT FILE. I NEED THIS REMOVED IMMEDIATELY. I DO NOT KNOW WHO THIS COMPANY IS.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maine XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Subject : Dispute of Incorrect Information on Credit Report and Violations of Consumer Protection Laws Dear Sir/Madam, I am writing to formally dispute several items of incorrect information on my credit report and to bring to your attention the potential violations of consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), Equal Credit Opportunity Act ( ECOA ), and the Fair Credit Billing Act ( FCBA ).
1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX 4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
18. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
20. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
21. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
22. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
23. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
24. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
25. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
26. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
27. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
28. XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
29. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
30. XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
31. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
32. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
33. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
In addition to the above disputes, I have identified potential violations of the following consumer protection laws : Violations of the Fair Credit Reporting Act ( FCRA ) : Inaccurate reporting of personal information.
Failure to conduct a reasonable investigation into the disputed information within the required time frame.
Violations of the Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized inquiries on my credit report.
Failure to provide verification and validation of debts.
Violations of the Fair and Accurate Credit Transactions Act ( FACTA ) : Failure to properly handle and respond to disputes within the specified time frame.
Failure to notify all furnishers of disputed information.
Violations of the Truth in Lending Act ( TILA ) : Failure to provide accurate and complete disclosure of terms and conditions of loans or credit accounts.
Violations of the Real Estate Settlement Procedures Act ( RESPA ) : Failure to provide accurate and timely disclosure of settlement costs and other pertinent information.
Violations of the Equal Credit Opportunity Act ( ECOA ) : Discrimination based on protected characteristics in the extension of credit.
Violations of the Fair Credit Billing Act ( FCBA ) : Failure to investigate and correct billing errors within the specified time frame.
I kindly request that you thoroughly investigate and address each disputed item and alleged violation within 30 days, as required by the FCRA. Additionally, please provide me with a detailed response outlining the actions taken to rectify the disputed information and address the potential violations.
Enclosed with this letter, please find supporting documentation, including copies of the credit report highlighting the disputed items, relevant correspondence, and any other pertinent information.
As a consumer protected by federal and state laws, I expect full compliance with the FCRA, FDCPA, FACTA, TILA, RESPA, ECOA, and FCBA. Failure to comply may result in legal action to protect my rights and seek appropriate remedies.
Please note that this letter is not intended as an exhaustive list of all potential violations. I reserve the right to bring forward additional violations and disputes as I continue to review my credit report and related documentation.
I kindly request written confirmation of the receipt of this letter and the initiation of the investigation into the disputed items and alleged violations.
Thank you for your immediate attention to this matter. I trust that you will handle this dispute and the alleged violations with the utmost professionalism and in compliance with all applicable laws.
Sincerely, XXXX XXXX
|
| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Why do you continue to ignore my request to block outdated and unverifiable information?
I have already provided the required documentation to report that my Identity was compromised by XXXX Data Breach here Is proof.
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The following items need to be removed and blocked as they are fraudulent.
1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX
|
| 11/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
2. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
3. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
5. there is some inaccurate information reporting.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.
7. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.
9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.
10. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Delete this account.
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
44. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
45. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
47. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
48. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
49. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
50. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
51. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
52. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
53. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
54. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
55. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
56. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
57. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
58. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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| 09/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
To Whom It May Concern, In the course of recently screening my personal Transunion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Dealer Services Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Corporation Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
3. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
7. The inquiry was not authorized XXXX & XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
9. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
13. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
14. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 04/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Email sent to XXXX XXXX and awaiting update from lender.
XXXX YOUR COMPLAINT copied per previous complaint, same issues occurring Similar to XXXX ( copy & pasted material below ) XXXX XXXX Reportings keep getting called duplicates, however it and XXXXXXXX XXXX have not validated the debt as the security agreements have either been charged off/discharged. Between the lenders not providing all servicing options to render account positive or loss mitigation efforts utilized in full, we are presently attempting to gather the information and validation that the contracts that have been discontinued are still something that I have to pay if the company has already been paid through insurance policy or tax based offsetting. Each company again is requiring me to provide them documentation for loss mitigation efforts & if I provide those documents and/or the company does not want to work with me, then the debt that they are not willing to work with me on is no longer my debt to either pay or the disparate policy being used to force me into a debtorship needs to not only be produced, but the debt needs to be validated according to the FCRA. We have already provided a thirty day response and the only thing that has come back is that there was no change to our credit report. Letter to XXXX XXXX XXXX Office regarding matter at its current status. Previously sent to CFPB and XXXX XXXX regarding Mortgaged Backed Securities Fraud, currently responses to FCRA and debt verification have come back with mixed results and disparate policy making & Needs to be investigated and the data needs to be authenticated according to the following ; Truth In Lending Act ( 15 USC sec 1641 f2 ) & Real Estate Settlement Procedures Act : " XXXX XXXX Senator XXXX, We wanted to request your attention on some recent matters that have been needing some attention & are leading to possible erosion of transparency within the financial system. I've previously talked with you on these concerns, however the information that we requested still had not come from those we were requesting it from with your groups help on our behalf, the company still did not verify with us the appropriate information & the issue was left unsolved, this was no fault to our or your groups own, we just did not get specific enough on what we needed them to provide to us. To resolve this, I want to share the articles that have recently been sent to XXXX XXXX XXXX XXXX & you all are carbon copied in to verify the other groups the information about this pattern as it unfolds, regarding an Auto Manufacturer who has been selling defectively made products and offering similar disparate policy on other decision makings for other products and services within the company spectrum. This along with deceptive debt collection practices within the industry, leaves some consumers vulnerable to disparate impacts of financial hardship that would go unchecked, as no one would know where the pattern of deception had infiltrated the cultural structure to ones financial decision making, one would receive undue hardship or discrimination for products/services sold to all consumers, yet would not receive due process because entities would resolve back to corporate policy & not have government accountability to ensure that the consumer was receiving similar treatment to others who had not received the disparate impact upon similar circumstances. In a recent article done by XXXX, XXXX XXXX XXXX/, XXXX XXXX has been highlighted for deceptive debt collection practices in mortgages & receiving disparate impact. The XXXX XXXX has a similar matter here. XXXX XXXX XXXX Upon reviewing some data from our correspondences with HUD and other government agencies about a previous mortgage modification matter that did not get full resolution, we wanted to provide an update regarding the pattern of practice & see of investigation into the company assisting the lender in our transaction, as they received some benefit from our transaction and also did not get held accountable during this process of requesting documentation, seeking resolution, getting similar policy when requesting assistance in general. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX ) was cited by a previous whistle blower who showed of deceptive practices in mortgages & they were apart of the transaction & upon requesting documentation, the company did not provide all the data when it was going through its decision makings or responses to us in its correspondences. We have its update and can provide it as it was not given to the Office of Comptroller of Currency ( OCC ) on our concern they addressed on XX/XX/XXXX. We also have correspondence where this information is impacting upon attempting to reach lender decision makings to help with the modification process. Under the Real Estate Settlement Procedures Act, which requires the servicer to acknowledge the request within 20 days and to try to answer the request within 60 days, this company has not provided all the data for the lender to make strong and impacting decisions within those correspondences and this causes more disparity and deception to continue. I've already touched base with the above companies & feel that there are violations to the ADA Amendments Act 7 & Truth In Lending Act 15 USC sec 1641 f2, requires that these companies provide all documentation to ensure fair lending and nondiscrimination sanctions are enforced & all available options to consumer requests can be provided and not cause a disparity. This along with the other matter with a similar institution where a automobile security was implemented, these companies are requiring consumers to change to meet standards or they do not receive service & that is a violation of what is fair to all consumers. Further, they have individuals within them that are fabricating documents as cited in the following :XX/XX/XXXX Where employees have conflict of interest and are voluntarily causes damages to consumers and their personal financial circumstances, especially in the areas of credit reporting and accuracy. I've previously had similar situations with the Department of Education when attempting to get a loan modification, as well as with XX/XX/XXXX and XX/XX/XXXX. These disparate policies are halting a lot of individuals from getting access to the resources they need to live aw ell balanced and healthy life. Please request that this company provide information related to previous requests for document verification as XX/XX/XXXX does not have the right to the property as it did not comply with all documentation requests in association with debt verification of the FCRA and the previous correspondences noted in their XX/XX/2018 letter. Further, all options available to consumer were not explored & previous decisions should be investigated. Please hold the oversight agencies accountable for them allowing disparate impacts to effect consumers in their right to be themselves and to receive just treatment. I've referenced this letter in my attention to the Department of Transportation with regard to my Right to Travel & have included you on that correspondence. Any updates will come directly to your office. Thank you for all your help. Respectfully and Cordially, XXXX XXXX XXXX XXXX '' XXXX is presently needing to be investigated regarding their assistance in the transaction and verification of debt in previous correspondences to XXXX XXXX and the oversight agencies handling the previous requests,. according to information cited in XXXX XXXX the following is important to understand : " Finding the owner of a loan To find the name of mortgage-backed security that owns a loan, send the servicer a qualified written request under the Real Estate Settlement Procedures Act, which requires the servicer to acknowledge the request within 20 days and to try to answer the request within 60 days. HUD has a sample letter available online. Be sure to keep the request focused ( long requests may be considered unqualified ) and ask for the full name of the security or trust that owns a loan. In the letter, you can also reference the section of the Truth in Lending Act ( 15 USC sec 1641 f2 ) that says : Upon written request by the obligor, the servicer shall provide the obligor, to the best knowledge of the servicer, with the name, address, and telephone number of the owner of the obligation or the master servicer of the obligation. Alternately, foreclosure notices typically have the name of the trustee and the security listed on the letter or in the supporting documents. Keep in mind that the names of the securities are complicated. For example, the trust that owns the mortgage of XXXX and XXXX XXXX of Louisiana ( mentioned in our story on investor-related denials ) is called XXXX XXXX. XXXX XXXX XXXX XXXX '' Without fair policy regarding these matters, there is disparate impact that occurs in neighborhoods because people are not getting fair access to all of their citizenship rights and their right to be treated fairly in consumer related transactions. Thank you for all your help regarding this matter. Cordially, XXXX XXXX XXXX XXXX
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| 04/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have sent 3 letters to Transunion I am attaching the letters along with proof of certified mail that they received my letters and certified letters from the so called creditors that are in clear violation of the law. XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX I sent letters notifying Transunion of violations by XXXX XXXX {$790.00}, XXXX XXXX XXXX {$690.00} XXXX XXXX {$990.00} XXXX XXXX XXXX {$920.00} XXXX {$1000.00}. These collections companies are claiming I owe them these amounts. I requested Full validation. All four failed to provide validation in accords to FCRA. Transunion 3 times claimed they verified it as accurate. I ask how is it possible when these so called creditors will not provide me anything with my signature or anything showing I have any just caused to give them anything? I ask who verified these? How? What method of verification? These accounts should be deleted just on the fact alone they failed to provide validation within the 30 days the FCRA LAW allows, Section 809 { b }, 15 U.S.C & 1692g { b } states " if the consumer notifies the debt collector in writing within the 30 day period disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or verification of the debt or any copy of a judgement ''. What is more there is a clear violation of FCRA Section 623 { a } { 1 } { a } which states " It is illegal to report information that you know or believe is inaccurate. You have a " reasonable cause to believe '' that information is inaccurate if you have knowledge.
XXXX XXXX claims I had XXXX service. XXXX operates on contracts. If Transunion is in possession of the signed contract between me and XXXX then please produce it now! You cant because it does not exist! I live with my mother to provide help for her and have no use for XXXX service. There is no way you could of verify something as accurate when it does not exist.
XXXX XXXX XXXX, you claim you verified them as accurate. Provide the service I had and proof that I agreed to the specific service with my signature. You can not get medical care and not sign for it. I do not want a computer print out as that does not constitute proper validation in accords to the FCRA, I have read up on XXXX XXXX XXXX and they are notorious for fabricated computer print out invoices. Even I can print an invoice saying Transunion owes me thousands just because I have a computer print out with Transunion 's name do not make it valid. They have no proof!! Why? Cause it does not exist and is why I can't even get these jokers to respond.
XXXX XXXX just pitiful, Please show me how you verified these two accounts? How on earth did you get them to respond. They have no clue which account is for what and cant provide me any shred of evidence they even know what it is for. Provide the consumer signed contract showing I agreed to their services. Provide documentation with my signature agreeing to the prices displayed stating I had received there services. You are unable to do it and have yet to do it even after 3 letters, Why? It does not exist.
Given the fact that these companies did not respond within the 30 days thus violating section 809b, Given the fact I have earnestly tried and you see the proof to correct these errors peacefully even with limited time as I am classified as essential worker putting my life on the line daily for the benefit of others, Given the fact they have no proof and sent me no proof, I humbly ask for you to do the right thing and remove these accounts from my credit report as soon as possible. Its only fair, Its only the right thing to do. I Should not have to go to court over this when you can do the right thing here and now.
My other concern is XXXX XXXX XX/XX/XXXX day late pay. Again you see clear violation of section 809 { b }, 15 USC & 1692g { b } however unlike the others they did respond but failed to provide the validation. Both times in there responses and you can see for yourself they claim they need more time to look into it. Well hello the law says 30 days and now way more than 30 days has pass. Based on the evidence you must delete these accounts. They even and I will give them the benefit of the doubt put the wrong date in their letter when I sent the letters to them, look at the proof of the certified mail receipt. They claim they received my inquiry dated XX/XX/XXXX but there is no inquiry dated XX/XX/XXXX they received both of my letters on or before XX/XX/XXXX see certified mail return receipt. Based on the evidence and the fact they failed to validate this 30 day late pay. I request you to obey the law and remove this XXXX XXXX day late pay. SEE PROOF.
XXXX both accounts should be showing 0 late payments as my student loan should of been reflecting 0 late payments and should immediately remove the 90 days late payment from both accounts as my loans should of reflected my student loan payments were in deferment. I have requested Transunion to update there records as my student loan was in deferment. I notified the associate at XXXX back in early XXXX and was told the error was to be corrected. XXXX then sent me a letter stating they decided not to change the status due to regulations promulgated by the DOE and FCRA.. but did without proper reason, Contrary to these assertions, by failing to update previously reported information, XXXX is in violation of Section 623 { a } { 2 } of the FCRA I have attached an FTC advisory opinion which interprets Section 623 { a } { 2 } of the FCRA. The issue posed in the advisory opinion is how a lender is to handle a situation when subsequent information updates a report that was allegedly accurate when it was made but no longer is accurate in the present time. The advisory opinion states that the section 623 { a } { 2 } of the FCRA addresses the duty to correct and update information by " furnishers '' or persons furnish information to consumer reporting agencies { CRA } such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRA 's regardless of whether they were accurate at one point, because the section requires the furnisher both to " update '' accounts as well as to " correct '' XXXX Representative later told me that because the delinquent payments were accurately reported in XXXX XX/XX/XXXX that any subsequently initiated deferments would not allow for XXXX to update reports to CRA 'S to show that the payments were NOT late and actually in deferment { even though they originally acknowledge it should of been reflecting deferment status }. However Section 623 { a } { 2 } clearly shows that the reports must be updated/ corrected regardless of whether they were supposedly accurate at one point** { FOR THE RECORD, I do not agree at all that XXXX EVER accurately reported the status of my student loans. Given the fact they failed to provide proper documentation and validation of my requests within section 809b or even can find the original signature pages of paper work and original requests leaves me to suspect a processing error on behalf of XXXX. In addition to the possible section 623 { a } { 2 } Claim, I Intend on filing a suit against XXXX and any Credit Bureau who does not correct the accounts to show 0 late pays as there was an error with processing of my deferment.. I requested full validation and ask proof that my student loan was to come out of deferment and proof they contacted to me to let me know they wanted to change my status and the legal right that they can do that without my consent or notification. I ask for my original paperwork with my signature, proof of my original deferment paper work and they are unable to provide my signature pages showing it to come out of deferment and provide proof I never requested for it to stay in deferment during that time when I sent in the original paper work within the proper timeframe. I received no answer and now more than 30 days has pass. I ask you to follow the law section section 809 { b }, 15 USC & 1692g { b }. Section 623 { a } { 2 } My credit reports do not currently accurately reflect previous payment statues with XXXX, both as they actually existed and as XXXX has recorded them. I am thus requesting in compliance with section 623 { a } { 2 } of the FCRA that the both student loan accounts reflecting XXXX late payment in XXXX be updated and or corrected and removed. In the event that these reports are not immediately updated to accurately reflect my payment status during XX/XX/XXXX, I intend on filing a law suit in addition to filing complaints with my State Attorney General, XXXX and any other means necessary.
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding several inaccuracies and violations on my credit report, which have caused immense distress and hardship in my life. I am seeking your assistance in enforcing the legal rights granted by the Fair Credit Reporting Act ( FCRA ) and rectifying the significant damage caused by these errors.
I would like to bring to your attention the following violations and inaccuracies, along with the specific FCRA sections and subsections that have been violated : XXXX XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violation : Incorrect personal information on my credit report.
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXXXXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violation : Incorrect personal information on my credit report.
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXX | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX XXXX XXXXXX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX XXXXXX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXXXXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXXXXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX XXXX | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX | XX/XX/XXXX : I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized credit inquiry.
FCRA Section 604 ( a ) ( 3 ) ( F ) ( i ) - Permissible purpose for inquiries initiated by the consumer XXXX XXXX XXXX XXXX AZ XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : Incorrect personal information ( address ) on my credit report.
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXX XXXX XXXX AZ XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : Incorrect personal information ( address ) on my credit report.
FCRA Section 611 ( a ) ( 1 ) ( A ) - Reporting agency 's duty to provide accurate information XXXX XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX ( Account number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate credit reporting, including late payment information.
FCRA Section 623 ( a ) ( 1 ) ( A ) - Duty to provide accurate information These inaccuracies and unauthorized credit inquiries have had a devastating impact on my financial well-being and overall quality of life. For instance, the incorrect personal information and inaccurately reported late payments have led to denied credit applications and higher interest rates, hindering my ability to secure essential resources for my family 's well-being. Furthermore, the unauthorized credit inquiries have caused unnecessary anxiety and concern, as I have no recollection of authorizing these inquiries and they have unjustly affected my creditworthiness.
This situation has taken an emotional toll on me and my loved ones. The stress and frustration of constantly battling these inaccuracies have impacted my mental health, leaving me XXXX and uncertain about my financial future. The inability to secure reasonable credit terms has forced us into challenging circumstances, where we are denied opportunities that we rightfully deserve.
In light of the above, I implore you to take action to enforce the legal rights afforded by the FCRA and compel the concerned creditors to promptly investigate and rectify these errors. I am also kindly requesting the removal of the unverified and inaccurately reported accounts from my credit report, restoring my creditworthiness and affording me the chance to rebuild my financial stability.
I sincerely appreciate your attention to this matter and your commitment to upholding consumer rights. I am hopeful that your intervention will provide the relief and justice that my family and I desperately need.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
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| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a XXXX XXXX XXXX XXXX XXXX XXXX. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before ( XXXX ) via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
The items to be removed from my credit report are list one an attach page.
I look forward to your response.
Attachment included Name : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XX/XX/XXXX XXXX Transunion XXXX XXXX XXXX XXXX, Pa XXXX This letter is to provide you with knowledge of intent to sue.
The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization.
Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed.
You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file.
I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account NameXXXX Date XXXX Account XXXX Reason for dispute_IDENTITY THEFT___ Account XXXX Account NameXXXX Date XXXX Account XXXX Reason for dispute__IDENTITY XXXX Account XXXX Account NameXXXX XXXX XXXX Date XXXX Account Number___ XXXX Reason for dispute__IDENTITY THEFT________________________ Account XXXX
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| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
|
| 11/19/2022 |
Yes |
- Debt collection
- Medical debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear TransUnion I am writing in response to a failure to validate on multiple accounts, copy is enclosed.
I sent XXXX XXXX and XXXX XXXX XXXX ( XXXX ) a letter through XXXX explaining that I do not believe I owe what they say I owe and, in accordance with the Fair Debt Collection Practices Act, 15 USC 1692g ( Validating Debts ) : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I will attract a copy of the letter to this letter.
I must remind you that in my previous letter I requested the following information : ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in ( insert name of your state ) I also requested that if you have reported me to any credit reporting agency, that you inform them that I have placed this debt in dispute and to provide me with proof that you have done so. Furthermore, I asked that you immediately send a copy of that dispute letter to the company ( creditor ) that you say I owe money so they are also aware of my dispute with this debt.
As of today, you have failed to respond to my requests! For your convenience, I have included a copy of my previous letter and a copy of the mail receipt showing that you received my letter on { insert date from mail receipt }.
Since you have failed to respond I assume that you have been unable to validate the debt and therefore, I consider this matter closed. You may consider this letter your official notification that I do not intend to correspond with you on this matter again unless you comply with my requests, the FDCPA and the FCRA.
I must remind you that any attempt to collect this debt without validating it, violates the FDCPA and that I am recording all phone calls and keeping all correspondence concerning this matter. Be advised that I will not hesitate to report violations of the law to my XXXX XXXX XXXX, the Federal Trade Commission and the XXXXXXXX XXXX XXXX XXXX
Signature here XXXX XXXX XXXX and response with nothing sent to me as a validation, XX/XX/XXXX YOUR COMPLAINT In accordance with the Fair Credit Reporting Act : Account Name : XXXX XXXX, Account Number : XXXX has violated my rights ; I, XXXX XXXX, as a consumer, living man, and one of the People mentioned in the Constitution for the United States of America, am aware of all my reserved rights, protected by the Constitution for the United States of America, all state constitutions, and by Congress under the Fair Credit Reporting Act ( FCRA ). Pursuant to 15 U.S. Code 1681a ( b ), the term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to FCRA/15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ), A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. Pursuant to FCRA Section 602 ( a ) /15 USC 1681 states that I have a right to privacy. Pursuant to FCRA Section 604 ( a ) /15 USC 1681b states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to Fair Debt Collection Practices Act ( FDCPA ) Section 804/15 U.S. Code 1692b, any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; and ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The FDCPA Section 803 ( 6 ) /15 U.S. Code 1692a defined debt collector/person, I do not give permission for any credit reporting agency nor have given written instruction for XXXX & XXXX and any associated accounts to furnish any alleged debt on my consumer reports, especially one that is hearsay evidence, negative, adverse, and discriminatory, nor any of my personal information disclosed or my alleged involvement with the alleged debt by another person XXXX XXXX and all credit reporting agencies must adhere to my consumers right to privacy. Per 15 USC 1681a ( e ), The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. All credit reporting agencies are mandated by federal law to verify consumer information by issuing an investigative consumer report that adheres to 15 USC 1681a ( e ). My wife has tried to resolve this but they said they will not send information to a third party which is strange because a " third party '' is trying to collect money from an account that is not mine. Please look in to this. Thank you XXXX. XXXX Acct # XXXX This response is in relation to CFPB Complaint ID XXXX submitted on behalf of XXXX XXXX XXXX We at XXXX XXXX XXXX XXXX ( XXXX ) take our consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. I personally conducted a full file review and believe the following information will address the issues and concerns set forth in the complaint. The account in question is the result of XXXX XXXX ' services provided on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX by the XXXX XXXX XXXX XXXX. Prior to credit reporting, our office sent XXXX XXXX a notification of the debt in an electronic communication. The notification was sent on XX/XX/XXXX. ( I never received it ) In accordance with Regulation F, the account was monitored for a minimum of 14 days to allow for notice of deliverability issues with that email. ( It has now been 29 days since the first notice to cfpb, requesting validation and they have failed to validate this account ) No undeliverability notice was received to indicate an issue. On XX/XX/XXXX, our office received a notice from the credit bureaus the consumer was disputing the debt. In response to the dispute, XXXX XXXX XXXX XXXX conducted a reasonable investigation, obtaining verification of the debt in the process, and confirmed the accuracy of the information being credit reported. The supporting document was forwarded to the consumer on XX/XX/XXXX. The Fair Credit Reporting Act ( FCRA ) provides written instruction by which information can be credit reported. A review of the file found that XXXX XXXX XXXX XXXX acted in compliance with the requirements imposed by Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). I hope my response has addressed the issues and concerns as set forth in the complaint. We will continue to note the account as disputed and thank you for the opportunity to respond to Complaint XXXX. Sincerely, XXXX XXXX, XXXX XXXX. **This is a communication from a debt collector. This is an attempt to collect a debt and any information obtained will be used for that purpose.
I enclose copies of my requests to the collection agency, asking them to validate my debts, and the receipts showing that I sent these letter-certified signature requests. This debt is not mine and I was given no evidence of my obligation to pay this debt to this collection agency.
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action.
|
| 04/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
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Web |
Older American |
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STATEMENT OF FACTS FOR CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT PAGE 1 OF 2 State of New York ) County of XXXX XXXX ) ss. : I, XXXX XXXX. XXXX, being duly sworn, deposes and says that I am the person in this Statement Of Facts For CONSUMER FINANCIAL PROTECTION BUREAU ( hereinafter, CFPB ) facts therein, and the foregoing subjects and matters. That I have read the foregoing Statement Of Facts For CFPB Complaint and know its contents ; the same is true and correct to my knowledge, except as to those matters therein stated to be alleged on information and belief, and as to those matters, I believe it to be true.
I, XXXX XXXX. XXXX, declare and affirm under the penalties of perjury pursuant to the laws of New York State and 28 U.S.C. Section 1746, that the foregoing is true and correct.
1. That I am the person named in the foregoing Statement Of Facts For CFPB Complaint.
2. That I reside at : XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, NY XXXX.
3. That the last four/4 digits of my Social Security Number are : XXXX.
4. That this Statement Of Facts For CFPB Complaint are to report/complain about, contest, etc., the refusal of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, [ RE : ] Adverse Action Notice, Reference ID : XXXX, Dated : XX/XX/XXXX, Tel. : XXXX, and XXXX, and, XXXX XXXX, XXXX COMPLIANCE DEPARTMENT, XXXX XXXX XXXX., XXXX XXXX, XXXX XXXX, CA XXXX, Tel. : XXXX ( hereinafter, XXXX ) [ AS REFERENCED IN THE ABOVE INDICATED/REFERENCED XXXX LETTER ) ( hereinafter, XXXX, in the/its totality of the stated name, address, references/subject, author, telephone number ) ( see herewith attached as, Exhibit # 1 ) to send me a letter of deletion/deletion letter as regards the below stated/indicated/referenced, etc., denial of car/auto/automobile loan application as evidenced in XXXX above indicated letter, and for such loan application denial to be removed/expunged/nullified/voided/deleted, etc., from any and all Credit Report ( s ) Record ( s ), Credit Score ( s ), etc., relating/referenced to me, because XXXX decision was based on, executed, initiated, done by, etc., an unauthorized credit application executed, initiated, done by, etc., employee ( s ) at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( hereinafter, XXXX ).
5. That the foregoing Statement Of Facts For CFPB Complaint is/are required by TransUnion LLC, XXXX XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, and at TransUnion XXXX, Consumer Relations, XXXX XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, and TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX, Tel. : XXXX, for the purpose ( s ) of having TransUnion remove/expunge/nullify/void/delete, etc., XXXX said denial of credit application from my Credit Report ( s ), Record ( s ), Credit Score ( s ) because XXXX denial of credit application adversely, negatively, detrimentally, etc., effects my Credit Report ( s ), Record ( s ), Credit Score ( s ) and other matters, subjects, issues, etc., as regards my financial status, standing, etc.
6. That on XX/XX/XXXX, I went to XXXX for the purpose of trading my automobile to XXXX and purchasing an automobile from XXXX ; and, at the beginning of the business process, I explicitly, clearly, plainly, etc., stated to, informed the XXXX employee ( s ), customer sales representative ( s ), etc., responsible for executing, initiating, doing, etc., credit applications for automobile loans that my present automobile loan was financed by XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, and that I had already planned on, was going to get and had already made arrangements to get, secure, etc., my new, future automobile loan from XXXX XXXX, XXXX, and that they were to contact XXXX XXXX XXXX and speak with personnel there, particularly, Mr. XXXX XXXX, Supervisor/Manager, as regards XXXX XXXX XXXX, undertaking any/the future automobile loan application, and any/the actual automobile loan, because I had spoke with XXXX XXXX XXXX employees and Mr. XXXX and arranged for XXXX XXXX XXXX to issue, administer, secure, etc., my/the future, actual automobile loan for my future car, in that XXXX XXXX XXXX had informed me that I would receive a discount on my/the future automobile loan because I was a customer/client, etc., in good standing.
7. That the XXXX employee ( s ), etc. did not contact XXXX XXXX XXXX, and ignored, disregarded, etc., my statements, directions, etc., to them as set forth in paragraph 6, above ; and, the XXXX employee ( s ), etc., instead initiated, executed, etc., a loan application with/to XXXX ; and, during the business process STATEMENT OF FACTS FOR CFPB COMPLAINT PAGE 2 OF 3 ( paragraph 7, continued ) XXXX employee ( s ), etc., informed me that said loan application was denied.
8. That on or about XX/XX/XXXX, I received Exhibit # 1, via U.S. Postal Service, regular mail.
9. ( A ). That on XX/XX/XXXX, XXXX and XXXX XXXX, I contacted XXXX by telephone, and explained to, informed an employee of the material and relevant facts of XXXX employee ( s ), etc., initiating, executing, etc., the car/auto/automobile loan application of subject and that I did not authorize such loan application, that it was unauthorized by me as set forth in paragraphs 6 and 7, above, and requested and informed XXXX that they should take the appropriate actions to remove, delete, expunge, etc., XXXX credit denial ; and, XXXX informed me that they could do nothing about the unauthorized credit application and/or their credit denial ; and, that I had to contact TransUnion and TransUnion would remove, delete, etc., the unauthorized credit application entry and credit denial from my Credit Report ( s ), Record ( s ), Score ( s ) ; and, XXXX refused to take any other action, that is, generate and send me a letter of deletion, deletion letter as regards the unauthorized automobile loan application of subject. ( B ). That on XX/XX/XXXX, XXXX XXXX, I contacted XXXX XXXX XXXX XXXX COMPLIANCE DEPARTMENT ( re : XXXX ) by telephone, and explained to, informed an employee of the material and relevant facts of XXXX employee ( s ), etc., initiating, executing, etc., the car/auto/automobile loan application of subject and that I did not authorize such loan application, that it was unauthorized by me as set forth in paragraphs 6 and 7, above, and requested and informed XXXX that they should take the appropriate actions to remove, delete, expunge, etc., XXXX credit denial ; and, XXXX informed me that they could do nothing about the unauthorized credit application and/or their credit denial ; and, that I had to contact TransUnion and TransUnion would remove, delete, etc., the unauthorized credit application entry and credit denial from my Credit Report ( s ), Record ( s ), Score ( s ) ; and, XXXX refused to take any other action, that is, generate and send me a letter of deletion, deletion letter as regards the unauthorized automobile loan application of subject.
10. That on or about XX/XX/XXXX, between the hours of XXXX XXXX and XXXX XXXX ( DST ), I contacted TransUnion XXXX, Consumer Relations, XXXX. XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, I was directed by a TransUnion Supervisor, at to undertake this action, that is, file this XXXX XXXX XXXX Police Department Report/Complaint against all the financial instiutions/organizations, including XXXX, who were contacted by XXXX employye ( s ), etc., on XX/XX/XXXX, in order to have TransUnion remove/expunge/nullify/void/delete, etc., the above indicated unauthorized loan application and credit denial of subject from any and all Credit Report ( s ), Record ( s ), Score ( s ), etc., relating/referenced, material and relevant, etc., to me.
11. That pursuant to, but not limited to the Federal Fair Credit Reporting Act, Federal Equal Credit Opportunity Act, Consumer Credit Protection Act, and all relevant and applicable laws, rules, regulations, policies of The Bureau of Consumer Financial Protection, and all codified Federal and New York States and all other States of the United States of America Laws, Statutes, Rules, Regulations and Policies the above UNAUTHORIZED CAR/AUTO/AUTOMOBILE LOAN APPLICATION AND CREDIT DENIAL IN EACH AND EVERY PART, AND IN THEIR TOTALITY MUST BE REMOVED/EXPUNGED/NULLIFIED/VOIDED/DELETED FROM ALL RELEVANT/MATERIAL, APPLICABLE CREDIT RECORDS AND/OR REPORTS THAT RELATE AND/OR PERTAIN, ETC., AND/OR ARE RELATED IN ANY WAY, SHAPE, MANNER, FASHION OR FORM TO ME, XXXX XXXX. XXXX , AND MY CREDIT SCORE RETURNED/RE-SET/RE-CALCULATED/FIXED/RE-CALIBRATED, ETC. TO ITS FORMER/PREVIOUS NUMBER OF XXXX.
__________/s/____________________ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Executed on : XX/XX/XXXX I, XXXX XXXX. XXXX, declare and affirm under the penalties of perjury pursuant to the laws of New York State and 28 U.S.C . Section 1746, that the foregoing is true and correct.
________________/s/_______________________ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Sworn to before me this XXXX day of XXXX XXXX.
_________/s/__________________ Notary Public XXXX XXXX / Notary Public-State of New York/NO. XXXX
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| 08/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Pertaining to account XXXX XXXX XXXX There are alot of red flags to the account even with the amount owed being different amongst the credit bureaus. I have sent in a dispute before here tracking number saying you received it. XXXX. XXXX. XXXX.
I would like this to be resolved immediately because I waited patiently and nothing was done. Below I provided a detailed explanation what is wrong and provided proof of my credit report.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding updateccount for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as 30 days on Transunion. 3O days on XXXX and 60 Days on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding updateccount for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of OC ' is reported as 30 days on Transunion. 3O days on XXXX and 60 Days on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as Ok on Transunion. Ok on XXXX and 30 Days on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as 60 days on Transunion. 60 days on XXXX and 90 Days on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as 90 days on Transunion. 90 days on XXXX and 120 Days on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as 120 days on Transunion. 120 days on XXXX and ok on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as ok on Transunion. ok on XXXX and not reported on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XXXX XXXX ' is reported as ok on Transunion. ok on XXXX and not reported on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as ok on Transunion. ok on XXXX and 30 days late.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as 30 days late om Transunion. 30 days late on XXXX and 60 days late on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as 30 days late om Transunion. 30 days late on XXXX and not reported on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as ok on Transunion. XXXX and 30 days late on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as 30 days late om Transunion. 30 days late on XXXX and 60 days late on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as 60 days late om Transunion. 60 days late on XXXX and 90 days late on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XXXX XXXX ' is reported as 90 days late om Transunion. 90 days late on XXXX and 120 days late on XXXX.
You are breking the law The Fair Credit Reporting Act ( FCRA ), Public Law No. 91-508 requires to promote accuracy fairness and privacy of personal information. I have contacted you before and nothing was done, you have a responsibility to remove the late payment. I am demanding that you Update this account for inaccuracy and false reporting, this is unacceptable and not fair at all because when looking at the information you provided the month of XX/XX/XXXX ' is reported as 30 days late om Transunion. 30 days late on XXXX and 60 days late on XXXX.
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| 04/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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THIS AFFIDAVIT IS NOARY SUPPORTED AND SELF AUTHENTICATING BY WAY OF THE LAWFUL NOTIFICATION : THE DOCUMENTS XXXX XXXX PRODUCED ARE NEWLY CREATED ROBO SIGNED AND FORGED TENDER OF PAYMENT OFFERING WAS DECLINED IN WRITING THEREFORE SET FOR DISCHARGE On XX/XX/XXXX, XXXX XXXX did not produced verification documents which is incomplete missing or other. I requested the copy of the contract/application from them over 50 days ago and they have not sent it to me. They have stated that due to the time frame that document contract application doesn't exist anymore. Why doesn't it? If you XXXX XXXX are stating that i can't alter the agreement/contract/application then how are you creating a new one?
The Disclosures or letter recently created by XXXX XXXX states facts that they do not have that agreement contract application which was signed electronically.
The Disclosures or letters created by XXXX XXXX does not have the full documents needed to continue to alleged a debt based upon the FDCPA 15 USC 1692.
i am presenting this affidavit in dispute confirmation of the alleged debt which must be deleted. It is the Banks responsibility to secure all applications/agreements and or contracts within their system to show validation and verification. For such was not done herein this matter. The Disclosures or documents produced by XXXX XXXX are statements i have never seen before. When i requested the statement they said they would send them, rather i have never received them by mail, only one which is hard to read and make out. Which the copy version i am attaching they provided shows fraud. The document does not show the back side where the Bank admits it received the Tender Of Payment and what address to send them to. This was told to me by the manager XXXX on XX/XX/XXXX.
I have requested the Tender of Payment in return to assure that they the bank did not cash them, so it is implied that XXXX has cashed the Tender Of Payment [ s ] due to never returning the Tender Of Payments as evidence of declining the payment but claim to have it on copy within their digital system.
XXXX XXXX has a FRAUD ALERT document which would appear on the contract/agreement application online. Were it states something like Criminals are hacking email accounts of lenders, real estate agents, title companies, settlement agents or attorneys, and other, resulting in fraudulent wire instructions being used to divert funds to the account of the criminal. It is proven this is what XXXX XXXX has done this alone.
XXXX XXXX never provided me with a full copy of the alleged loan agreement or contract and has only done such with the credit agencies or all three credit bureaus by fraud and incomplete documents.
The signatures XXXXXXXX XXXX has produced are forged, for they themselves said it was done online, and since they kept the tender of payment it is more than likely they have a copy of my infant trust account number.
Due to the fact that XXXX XXXX will not produced the application/contact to the CFPB or to the three credit bureaus the one they sent me is forged XXXX signed and newly created well after the original electronic document the debt must be XXXX and paid in full by the tender of payment offer made, as they have declined see Law 3-306. I give full authority to the United States Government to monitor the purposes of this matter. I XXXX XXXX XXXX have a copy of the original document and will provide it thereto the bureaus and government agencies by mail. The original application is the contract and it has a digital signature not a wet signature. They have altered that document and can only produce a old Statement from XXXX?
# ss XXXX XXXX XXXX XXXX XXXX has presented false information. Seventy percent [ 70 % ] of the letters they attached to validate or verify the alleged debt i have never seen before nor have i received from them in the mail. Also i XXXX XXXX XXXX have never spoken with these ladies from XXXXXXXX XXXX or received letters from them they have placed upon the CFPB website, from XXXX XXXX employees " XXXX XXXX '', i have never seen a letter from her on behalf [ obo ] XXXXXXXX XXXX, because are responding to the fax i sent them on XX/XX/XXXX XXXX ; XXXX, not from the complaint therein.
Employee " XXXX XXXX '', has never called my phone nor written me any letters via USPS mail. She submitted her letter to the CFPB site not to me. The letter on the CFPB site from XXXX XXXX i have never seen this letter until today XXXX XXXX dated XX/XX/XXXX, also notice the address and name they are using XXXX XXXX XXXX is not my address. Therefore also they have the wrong name as XXXX XXXX XXXX my name is spelled this way XXXX XXXX XXXX lower case.
This matter and alleged debt is Disputed. In a letter dated XX/XX/XXXX, third paragraph highlighted for you to see it says that they XXXX XXXX does not have the original contract/application for they are both the same! I also Tendered a payment in full and they declined it, therefore the debt is XXXX. I spoke with an employee Manager XXXX on XX/XX/XXXX for XXXXXXXX XXXXs. She stated that the contract/application was available and they would be sending it to me, but i have never received it. Guess why! because the contract/application was altered by them and only them being the bank " XXXX XXXX ''.
AFFIDAVIT OF TRUTH AND FACTS FOR DISPUTED DEBT : THIS AFFIDAVIT IS SELF AUTHENTICATING BY WAY OF THE LAWFUL NOTIFICATION : XXXX XXXX FAILED TO PROVIDE THE INFORMATION OF THE ORIGINAL LENDER IN WRITING THEREFORE THE DEBT IS DISPUTED AND SET FOR DISCHARGE FDCPA XXXX09. VALIDATION OF DEBTS 809. Validation of debts ( a ) Notice of debt ; contents ; Within five days after the initial communication with a con - sumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ;. ( 2 ) the name of the creditor to whom the debt is owed ;. ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ;. ( 4 ) a statement that if the consumer notices the debt col- lector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt col- lector will obtain veri cation of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
. ( b ) Disputed debts If the consumer notices the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communi - cations that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has noticed the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communica - tion during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
. ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
. ( d ) Legal pleadings I demanded and required the following for verification a.wet signatures with its original color ink b. the original size document legible and readable c. the actual signature of the borrower in print and readable d. copies of all parties signed on the document or Unilateral or bilateral agreement They have failed to produce documents to validate this debt by alleging that the document is only two [ 2 ] years old and no longer exist this debt must be deleted from my account and XXXX. XXXXXXXX XXXX are merely retaliating due to the fact that i will not make a payment with a debt currency called XXXX or Federal reserve notes. This is there demand for payment. This is discriminative. XXXXXXXX XXXX are 50 days past the verification process and this debt is due to be deleted by all three credit bureaus.
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| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/XXXX at XXXX XXXX Eye notified the department of XXXX XXXX XXXX XXXX XXXX collector informing employees to produce the contracts which legally binds the Naturally Living Man owing a debt to corporate entity/corpse legal fiction that has wet ink autograph on it. The employee was informed that the department of educationXXXX XXXX needed to prove that if there was ever such thing as a student loan that proof needs to be provided that such a loan was paid off 180 days pursuant to having surety bonds attached to them. The department of education takes out surety bonds for student loan debt in case the student defaults on the loan. The original note was sold to insurance companies, investors and XXXX XXXX XXXXXXXX XXXX. The Social Security Numbers are what the department of education and Universities monetize off the original promissory note which was funded by the student. On XX/XX/XXXX, trans union were notified regarding unlawfully furnishing credit reports without authorization or consent by the consumer in allowing so called debt collectors to report fictitious debts to the credit reporting agencies and they continue to uphold misconduct which violates fair credit reporting act which reflects on privacy violations, willful violations and negligent violations. Disputes were filled with XXXX on XX/XX/XXXX and XX/XX/XXXX regarding the same matters by phone. Disputes were filed with XXXX online regarding these same matters during the month of XX/XX/XXXX and all three reporting agencies have not corrected none of these matters which includes fictitious names reported, addresses, false and misleading information written in some foreign language in which they refuse to specify the language that the credit reports are written in. What is the language that these reports are written in? what type font it this according to the grammatical rules of English in the XXXX style manual article XXXX?
The following items was removed from the credit reports after Eye made disputes and just recently an alleged fictitious name written in all uppercase giving off the impression of XXXX Office of Child Support has been removed from XXXX and Trans Union credit reporting agencies. This item had a fictitious amount of {$10000.00}, and employees of this agencies claimed that the amount was owed when in fact that amount is owed to me as the consumer for violations and financial injury done to me by way of identity theft, fraud, corruption, extortion, infringement, involuntary servitude, unjust enrichment, harm to personal and financial reputation, unlawful racketeering, money laundering and uttering forgery 1 public records and counterfeits : XXXX XXXX XXXX XXXX {$870.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the most recent item removed is XXXX XXXX XXXX for {$10.00}, XXXX.
15 usc Subsection 1681 ( e ) ( b ) states that whenever a consumer report agency prepares a consumer report it shall follow the reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 usc 1681 ( c ) -authorized under ( b ) -no consumer reporting agency make any consumer report containing any of the following items information number one case under title II or under the bankruptcy act from the date of entry of the order or the relief or the data education as the case may be annotated the report by many years. Credit reporting agencies can not furnish something they did not receive written consent from the consumer to furnish. This means that Eye didnt give written consent for anything to be on my consumer report so if Eye enroll in school and they furnish a report and Eye never wrote them giving them written permission to have that on my consumer report, thats a violation. Plus Eye didnt sign a contract with the credit reporting bureaus and even still the bureaus are suppose to receive something written the consumer giving them permission to furnish under fair credit reporting. The credit reporting agencies are suppose to investigate anything thats furnished before they even hit a consumer reports. This is why when the consumer disputes something, the consumer is requesting a reinvestigation because it was already supposed to be investigated by law if not thats a fcra violation which is {$1000.00} per violation. So number 1, the credit bureaus didnt investigate in the first place and we know that because if Eye can an inaccuracy in it that means the credit reporting agencies should have saw that and thats their job as consumer reporting agencies. A deletion is admission, when its deleted that means they admitted that they violated it, Eye have to be compensated. Eye never gave permission to have place of employment reported on the credit report and the credit reporting agencies have name of other people listed on the credit reports. The bureaus admitted that they did not investigate when those items were furnished on the credit report. Medical information is not supposed to be furnish on consumer reports and that a Hipaa Violation. If your XXXX is a XXXX at a XXXX and another XXXX on your XXXX, your XXXX is not even allowed to go through your XXXX information thats a hipaa violation. So if your own mom is not allowed to go through or via your medical information thats a hippa violation so why would a third party debt collector have access to it.
Violations : 15 usc 1692-abusive, deceptive and unfair collection practices are fair debt collection practices act violations.
15 usc 1692d-harrassment and abuse that caused XXXX XXXX XXXX, XXXX and built up anger.
15 usc 1602-definitions and rules of construction.
Violations of the Truth in Lending Act.
15 usc 1692f-unfair practices.
15 usc 1692j-furnishing certain deceptive forms.
15 usc 1681-accuracy and fairness of credit reporting.
15 usc 1681c-authorized under section b, a credit reporting agency can not furnish something that they did not receive written consent from the consumer to furnish.
15 usc 1681c-2-block of information resulting from identity theft 15 usc 1692c-communication in connection with the debt collection 15 usc 1681 ( e ) ( b ) -compliance procedures- accuracy of consumer report whenever consumer reporting agency prepares a consumer report they shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
18 usc 1028-fraud and related activity in connection with identification documents, authentication features and information.
18 usc 1341-frauds and swindles.
15 usc 1681b ( 1 ) ( 2 ) -permissible purposes of consumer reports according to 1 ) regarding reporting and furnishing credit reporting properly wheres the court order according to 1 )? If not did Eye give permission according to 2 )? Because if not, 2 is in accordance to the instructions of the consumer. So did Eye give the credit reporting agencies permission or authorization on how Eye wanted or what Eye wanted on the credit report? No. This means that 15 usc 1681n-civil liability for willful noncompliance and 15 usc 1681o-civil liability for negligent noncompliance were violated.
Violation of fair credit reporting act Violation of fair debt collection practices act 15 usc 1692e-false and misleading representation 15 usc 1681m-requirements on users of consumer reports.
42 usc 408-penalties ( selling social security number and altering social security numbers for monetary gain ) 31 cfr 1.32-disclosure of social security number 5 usc 552a-privacy and disclosure of social security number under section 7.
15 usc 1611-criminally liable for willfully and knowing violations 15 usc 1640-civil liability 15 usc 1641-liability of assignees 15 usc 1692k-civil liability 15 usc 1681g-disclosures to consumers 15 usc 1681f-disclosure to government agencies 15 usc 1681q-obtaining information under false pretenses 15 usc 1681r- unauthorized disclosures by officers or employees 15 usc 1681s-2-responsiblilities of furnishers of information to consumer reporting agencies 15 usc 1681h-conditions and form of disclosure to consumers.
15 usc 1681i- procedure in case of disputed accuracy 15 usc 1681c-1- identity theft prevention, fraud alerts and active duty alerts Corruption, infringement, coercion, collusion, intrusion, contravention, involuntary servitude, tax fraud, bank fraud, securities fraud, identity theft, grand larceny, embezzlement , unlawful racketeering, money laundering, wire fraud, computer fraud, unjust enrichment, violation of the plain writing act of XX/XX/XXXX, malfeasance of office, malpractice, treason, perjury, proselytizing, besmirch, usury, barbarity, encroachment, divest, mail fraud, shell gaming, trickery and peonage 18 usc 1038-false information and hoaxes Extortion of legal tender/fiat monopoly which violated 18 usc 208 affecting personal financial interest.
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| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have reached out to XXXX, XXXX and XXXX, Trans Union and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint state Attorney Generals complaint in XXXX consumer protection and innovation complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this is a notice to ( XXXX ) ( XXXX, ) ( Trans Union, ) ( XXXX, ) ( XXXX ) ( CEASE AND DESIST ) Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the XXXX Attorney General 's office and civil claims may be pursued.ALSO 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAccording to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt
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| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. XXXX XXXX Account Number : XXXX I was looking over my credit report and noticed this account I do not recognize. I request for you to send verification and validations of this account if you can not. I demand you remove this account.
XXXX. XXXX XXXX XXXXXXXX XXXX XXXXL Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately. After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, FL XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX After pulling my credit report I noticed a late payment. I request you to send me the original paperwork showing that I was late and when. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account to positive status with no late payments immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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To Whom This May Concern, In XX/XX/XXXX, I logged on XXXX and checked the status of my federal student loans. On the top of my main account page, a bright yellow banner was posted stating a message All federal student loans suspended until XX/XX/XXXX ; no payments required at this time. In XX/XX/XXXX, I learned that the time was extended. When I checked my credit report sometime in-between XX/XX/XXXX and XXXX, I saw it dropped significantly and every month since XX/XX/XXXX my credit report has been showing no payment received for four ( 4 ) federal student loans and three ( 3 ) FFELP loans. I was furious due to being under the Cares Act and I remember it specifically saying my loans were not required to make payments at this time, your credit report will not be negatively affected, and no action needed. I assumed this applied to all my loans.
When I called US Dept of Education, I had someone by the name XXXX answer who was responding with I think, or I guess. I explained to her I need to speak with someone who knows, not guess. This is negatively impacting my credit, I need facts. I called again later and was told my loans defaulted on XX/XX/XXXX ( coincidentally ), and even though I was told in XXXX on my account that they are suspended they still defaulted before XX/XX/XXXX. In XX/XX/XXXX my loans were sold ( it took two months to process the default ) and the company XXXX XXXX has its own set of rules. XXXX XXXX doesnt necessarily have to follow the Cares Act ( even though I have federal student loans ).
I asked, why I am being reported negatively? and both the US Dept of Education and XX/XX/XXXXstated, that they default, and I will be reported negatively until I set up a rehabilitation or consolidate my loans. I stated that if since XX/XX/XXXX, I fall under the Cares Act and my loans were not negatively reported for XXXX, XXXX, and XX/XX/XXXX how was I supposed to know they were sold in XX/XX/XXXX since they were currently suspended?
XXXX XXXX told me I should have checked my account monthly. I was never mailed or sent electronically any paperwork regarding the transfer of my student loans. XXXX XXXX and the US Dept of Education have both stated even though payment is not required they still default, and payment status will be sent to credit agencies showing no payment received each month ( makes no sense to me ). I am still baffled on if the Cares Act was in place how XXXX XXXX XXXX was able to close my federal loans on XX/XX/XXXX, and then how the US Dept of Education was able to transfer my loans on XX/XX/XXXX.
I tried disputing and the US Dept of Education and XXXX XXXX has commented back stating they will continue to report my status of no payment received and show a negative standing even though they are still suspended under the Cares Act. I tried consolidating and due to the decrease in credit score resulting from this, I was denied. I tried rehabilitation and was told due to my total household gross pay ( not considering that my spouse only took home 60 % of his gross pay, due to taxes and insurances ) I would be required to pay $ XXXX. I even did the income/expense report and was told $ XXXX.
I was willing to offer $ XXXX payments due to needing a new vehicle and the negative impact my credit score has received due to these loans will make my new car payment at least $ XXXX. I am not allowed to include this or at least $ XXXX other expenses in my income/expense report, due to the representative not allowing it. This is another $ XXXX that would impact the monthly requirement that currently sits at $ XXXX after verbally going through the income/expense report with XXXX XXXX. My loans were also closed and duplicated on my credit report and now a new account showing none of my past payments is seen.
What I am asking today is that my credit report is fixed, since I fall under the Cares Act, even though my loans defaulted, they were suspended. My loans should not have been sold in XX/XX/XXXX, should not have been negatively reported since XX/XX/XXXX for no payment, and my detailed payment history and the amount of the loan I paid are shown on the credit report. I have tried disputing, and nothing happens, I tried calling the US Dept of Education and XXXX XXXX and was rudely talked to and given either wrong or made-up answers. I can not afford the rehabilitation quoted payment if my credit report isnt fixed. I need a vehicle and since my credit is steadily dropping from being reported each month, my interest rate on a car is extremely high.
If my credit is fixed and it increases the score, then I may be able to afford the $ XXXX payment. I wont know until it is corrected, but as of now, I cant afford their rehabilitation offer and cant get approved for consolidation, therefore will be negatively reported every month for eleven ( 11 ) loans even though I only have seven ( 7 ) loans I am being reported twice for the federal ones. US Department of Education and XXXX XXXX loans are double reporting me. XXXX XXXX XXXX states it closed my account on XX/XX/XXXX, and has negatively reported me XXXX, XXXX, XXXX, and XX/XX/XXXX. US Department of Education states my loans were closed with them on XX/XX/XXXX. I have been trying since XX/XX/XXXX to get this handled and every time, I call it is a different answer.
When I contact the US Department of Education regarding my three ( 3 ) loans that are with the Louisiana Office of Financial Assistant I am told to call XXXX ( I have no idea who this is, because I was never sent anything stating my loan servicer changed ). When I called XXXX the verification process that took place violated my HIPPA rights. When the employee answered the phone usually, they make you verify the information. This time she asked for the spelling of my name and then she told me my whole social security number, birthday, and address and all I was required to say was yes or no. I made the call from a different number than the contact numbers on my account. I was astonished that she said my whole social security number and all I had to say was yes. This seems to violate security measured from my identity getting stolen. I also dont see any information about XXXX on my student aid account, and I never received paperwork stating they acquired my account in XX/XX/XXXX. Nowhere on my student aid account does it show my loan was sold again. Why would my loan be sold twice during the Cares Act if they are suspended? I keep getting told that no one is reporting me, yet I see late payment status every month on my credit. The Louisiana Office of Financial Assistant has been increasing my total amount due one month and decreasing the next month, even though I havent made a payment to them since XX/XX/XXXX when I was called and threatened to have my wages garnished.
I dont understand how there are four ( 4 ) different loan servicers reporting me and no one knows anything on why I am being reported when I call. I want to know that since I was told in XX/XX/XXXX no action was needed ( due to Cares Act ), how was I supposed to know my loans would be sold in XX/XX/XXXX? I have several friends who are in the same situation as me and their credit report has not been affected. I am currently a student in graduate school, and I have been since XX/XX/XXXX, I am paying out of pocket for my tuition because this has also affected my rights as a student with receiving any kind of financial aid. I lost all rights to receive any perks of being a student I was told by US Dept of Education.
I have also been trying to get someone to send me my loan details showing my made payments and remaining payments paperwork and I was told this information is unavailable. For example, one ( 1 ) loan was for {$7000.00} and I already paid 43 % of the loan ( {$4500.00} ), but it states I owe {$5900.00}. I would like a detailed statement reflecting payments already paid and how it came to me paying {$3400.00} worth of interest for an 8 % loan. I am never explained because I am told they are not the original loan servicers, but when I call the original servicers, I am told that they no longer handle my account. My credit report reflects only 15 % of the loan paid, but on the student aid website, it states 43 % of the loan has been paid. In the attached document it states that strident loan transfers to other loan servicers will not restart or change the loan terms. Im not sure why my student loans state on my credit report that they were opened in XX/XX/XXXX ( when they were transferred ). I took out these loans in XXXX, XXXX, XXXX, and XXXX.
I dont understand or think it is ethically right to give people the run-around and state that you have many programs to help when I have been giving nothing but denials and unrealistic offers. My credit has been impacted for two ( 2 ) years and I have gone through the steps of calling, disputing and it has gotten me nowhere except a lower credit score and higher cost for insurance, car quotes, and denials for being a student and having to pay all tuition cost to complete my masters degree.
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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PLEASE READ THOROUGHLY!!!
XXXX XXXX is reporting late payments on my consumer report and is stating that XXXX XXXX XXXX is the reason for it being that this student loan was sent over by them. Both companies are saying two different things while Im stuck in limbo trying to get them to rectify the situation. I will seek damages if XXXX or XXXX XXXX does not resolve this matter as it is negatively impacting me consumer report. Ive tried to work with both companies and they both continue to give me the run around. This is a last ditch attempt to have these companies rectify this matter once and for all. Below is the response that Ive been sent on behalf of XXXX XXXX blaming XXXX XXXX and XXXX vehemently denies XXXX XXXX claim. Im giving you both an opportunity to solve this matter before it goes any further. You are reporting to my consumer report inaccurate information which has been detrimental to my consumer report. Please note that I now have several complaints with the consumer reporting agencies, CFPB, and now FTC. I am going to go to the full extent of the law to seek damages if these XXXX companies do not resolve this matter once and for all.
Complaint response from XXXX XXXX XXXX Dear XXXX XXXX This letter is in response to your recent complaint referred to XXXX XXXX by the Consumer Financial Protection Bureau ( CFPB ) regarding the student loan account we service. Your concern, as we understand it, is regarding credit reporting of the Federal Direct Stafford Loans we service for you. The Federal Direct Stafford Loans we service were issued under Part D, Title IV of the Higher Education Act of 1965 ( HEA ), as amended, 20 U.S.C. 1070 et seq. The making and servicing of these loans is governed by the HEA and the rules and regulations promulgated thereunder. Our records indicate the loans mentioned above transferred to us for servicing from XXXX XXXX XXXX and XXXX ( XXXX ) on XX/XX/XXXX. When your loans transferred to us, we began reporting your loans in XX/XX/XXXX. Please be advised that we are not considered a debt collector or collection agency under the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692a Sec. 803 ( 6 ) ; therefore, we are not responding to your request for debt validation. We enclosed a copy of your Master Promissory Note ( MPN ) signed on XX/XX/XXXX for your convenience. Within the MPN mentioned above, the MPN Terms and Conditions state the following regarding credit reporting : We will report information about your loan to nationwide consumer reporting agencies ( credit bureaus ) and the National Student Loan Data System ( NSLDS ) on a regular basis. This information will include the disbursement dates, amount, and repayment status of your loan ( for example, whether you are current or delinquent in making payments ). If you default on a loan, we will report this to nationwide consumer reporting agencies. Your loan will be identified as an education loan. In accordance with the HEA, we are required to submit true and accurate credit reporting to the nationwide consumer reporting agencies ( CRAs ). We report the status of your loans each month, and we do not report your loans as delinquent until the loans are 90 days or more past due. Please note, we have not reported your loans delinquent to the CRAs. However, prior to your loans transferring to us from XXXX, they reported the status of your loans as current each month, with the following exceptions : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX During the period of delinquency, XXXX attempted to contact you by phone and by written correspondence, as required by federal regulations, to assist you in resolving your delinquent account. The delinquent reports made on your loans were reported accurately, and under the provisions of the Fair Credit Reporting Act ( FCRA ), these items will remain on your report for seven ( 7 ) years from the time that they were originally reported. In order to remove the negative credit reporting, you must have been receiving public assistance ( such as food stamps, etc. ), attending an eligible school on at least a half-time basis, receiving unemployment benefits, or deployed in the military in support of a war or contingency operation at the time of the delinquent reporting. If you were enrolled in school half-time or more, receiving public assistance, receiving unemployment benefits, or deployed in the military at the time of delinquency, please provide proof, along with the applicable deferment request so we may review your account and make any necessary updates. You may use our contact information below for assistance with determining the appropriate deferment request form to submit with your documentation. If we are not able to approve you for a backdated deferment to cover the delinquency period, the negative credit reporting will be considered accurate and will not be changed. If you have any questions or concerns, please visit XXXX or you may speak with a Customer Service Representative at XXXX. Sincerely, Customer Resolutions Unit XXXX XXXX Enclosure Complaint response from XXXX XXXX XXXX Dear XXXX XXXX, This notice is in response to your recent complaint referred to XXXX XXXX by the Consumer Financial Protection Bureau ( CFPB ) regarding the student loan account we service. Your concern, as we understand it, is regarding the credit reporting of your student loans. Your Federal Direct Stafford Loans were issued under Part D, Title IV of the Higher Education Act of 1965 ( HEA ), as amended, 20 U.S.C. 1070 et seq. The making and servicing of these loans is governed by the HEA and the rules and regulations promulgated thereunder. Your loans were transferred to our office effective XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX ( XXXX ). According to the Federal Student Aid ( FSA ) website, studentaid.gov, which provides loan detail information from the National Student Loan Data System ( NSLDS ), these loans were used for attendance at XXXX University. For your convenience, we have mailed you a copy of your Master Promissory Note ( MPN ) electronically signed on XX/XX/XXXX for your review. In accordance with the HEA, we are required to submit true and accurate credit reporting to the nationwide consumer reporting agencies ( CRAs ). We report the status of your loan each month and we do not report your loan as delinquent until it is 90 days or more past due. We have not reported your loans negatively to your credit since we began servicing your account. XXXX reported the status of your loans as current each month, with the following exceptions : Loans 1 and 2 Date Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delinquent During the period of delinquency, XXXX attempted to contact you by phone and by written correspondence, as required by federal regulations, to assist you in resolving your delinquent account. The delinquent reports made on your loans were reported accurately, and under the provisions of the Fair Credit Reporting Act ( FCRA ), these items will remain on your report for seven ( 7 ) years from the time they were originally reported. In order to remove the negative credit reporting, you must have been receiving public assistance ( such as food stamps, etc. ), receiving unemployment benefits, attending an eligible school on at least a half-time basis, or deployed in the military in support of a war or contingency operation at the time of the delinquent reporting. If you were enrolled in school half-time or more, receiving public assistance, receiving unemployment benefits, or deployed in the military at the time of delinquency, please provide proof, along with the applicable deferment request so we may review your account and make any necessary updates. If we are not able to approve you for a backdated deferment to cover the delinquency period, the negative credit reporting will be considered accurate and will not be changed. On XX/XX/XXXX, the office of Federal Student Aid began providing the following temporary relief on XXXX-owned federal student loans : suspension of loan payments, stopped collections on defaulted loans, and a 0 % interest rate until no later than 60 days after XX/XX/XXXX. We will notify you before payments restart. If you are unable to afford your payments when repayment resumes, you may contact us to explore other repayment options. XXXX XXXX is committed to providing exceptional customer service and we take your feedback seriously. If you have any questions or concerns regarding your account, please visit XXXX or you may speak with a Customer Service Representative at XXXX. Sincerely, Customer Resolutions Unit XXXX XXXX
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| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account in question : XXXX account number : XXXX account type ( XXXX ) : revolving account type : revolving account account type - detail : revolving account account type - detail ( XXXX ) : credit card bureau code : individual account bureau code ( XXXX ) : individual account status : closed monthly payment : XXXX date opened : XX/XX/XXXX balance : XXXX high credit : XXXX payment status : charged off as bad debt : payment status ( XXXX ) : charge off comments : canceled by credit grantor comments ( XXXX ) : **consumer statement** item disputed by consumer the comment put under the transunion comment section for the account, indicates that The consumer, natural person is the credit grantor and henceforth the original creditor.
reinstate and open my account and my XXXX line of credit. Delete all information from my credit file indicating that I am " Late '' or that I have paid late at once. I need the name of the person that has been validating this debt for all these years and I also need the documents used to validate this account. and since the comment on the transunion section states that I am the original creditor i would like some form of confirmation from you XXXX XXXX.
lastly XXXX has already taken the initiative and deleted the account information. I hope that transunion and XXXX do the same and follow in XXXX 's foot steps.
also be aware that The remedy is to reopen the account. I do not wish to see fraud preputuated on my consumer credit file and expect to opt out of credit reporting when my account is reopened again.
lastly there is no way that an account that is paid in full the moment there are any transactional debits placed on it to be late. Having said that the charge off is a gross violation of federal law.
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| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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This complaint/unresolved issue involves 3 companies. Transunion, the debt collection company XXXX XXXX XXXX, and XXXX XXXX. I have received collection notices from XXXX and XXXX over the last couple years regarding a debt from XXXX XXXX XXXX. In each case I notified the companies that I disputed the debt as I did not believe service charges were correct and requested billing/payment history. I was given a free XXXX game pass for my first year of service with XXXX XXXX, and in the second year I was billed for the service without my consent as I did not order it for that year. I called and XXXX XXXX made a correction. However, a charge I believed to be related to the XXXX pass remained and was never corrected up to the day service was terminated. Service was terminated by XXXX XXXX over unpaid bill due in part because of these charges and that I was charged an increased price for service in XX/XX/XXXX that I believed was still within my 2 year price guarantee. In each case I never received any documentation regarding this from my verbal requests. The debt was never reported to the credit bureau and appeared to keep getting bounced between XXXX and XXXX.
The debt included additional charges for equipment that was in my possession that I had not returned as of the initial collection notices. I returned the equipment to an XXXX XXXX ( # XXXX ) XX/XX/XXXX per the return instructions as I decided I wasn't getting anywhere with the debt collectors or XXXX XXXX XXXX XXXX XXXX. ( XXXX TV was purchased by XXXX XXXX XXXX ) and was going to just pay the balance off after turning in the equipment and they made the correction to my bill. The bill was never corrected and I received another collection notice from XXXX dated XX/XX/XXXX. I called XXXX and advised them I turned in equipment a few days before the notice and had proof of the return being accepted and I was waiting for the balance to be adjusted and reiterated my dispute of the service charges. I was told it may take 30 days for the balance to be updated by XXXX XXXX XXXX XXXX.
It appeared nothing was done and the debt was passed to a new collection company XXXX XXXX XXXX. This collection company sent me a letter dated XX/XX/XXXX which was the same month they reported to Transunion which would violate the 30 day notice period for me to dispute the matter in writing per the FCRA. Due to well publicized Postal service delays during this period in the XXXX Ohio area, I did not receive this notice until XX/XX/XXXX.
I submitted a dispute through XXXX XXXX on XX/XX/XXXX and on XX/XX/XXXX it came back as reviewed as accurate. Now, I didn't submit any supporting documentation so I wasn't angry it came back as verified but definitely frustrated as I believed if they had validated the debt based on my comments that they would have discovered the equipment return and updated the balance and I could have proceeded from there. Since that didn't happen I submitted XX/XX/XXXX another dispute directly on the Transunion website and included all the collection letters ( showing the debt was from XXXX and NOT XXXX as was showing on Transunion ), the final bill from XXXX XXXX showing the equipment charges, and the return receipts complete with equipment serial numbers that were confirmed received.
I checked the website for updates after an email notice that a result was determined. Transunion came back and said it was confirmed as accurate and valid again. I received the official letter dated XX/XX/XXXX on XX/XX/XXXX. I called Transunion on XX/XX/XXXX and spoke to " XXXX '' at XXXX EST. She was an offshore associate who told me that the online dispute department was the only one who had access to the records I submitted and she couldn't retrieve this information to forward to the investigations group as they were separate areas. I requested to speak to someone in that group or for her to get with her management to obtain the information I submitted so they could manually review. She explained that was not possible and my only option was to " Mail '' in a new dispute. I had no option to email, fax, or otherwise electronically submit a duplicate dispute. I complained that this was not right and I believed this process was meant to specifically deter and dismiss complaints and disputes. Never the less I mailed copies of these documents XX/XX/XXXX. As of today XX/XX/XXXX I have not received a response.
I do not believe Transunion did ANY investigation whatsoever or require any real proof of debt validation. My suspicion is due to the fact I proceeded to call XXXX XXXX next. I spoke to XXXX XXXX on XX/XX/XXXX at XXXX EST and advised I had disputed the reporting with Transunion and provided documents to them showing the debt amount and reporting was inaccurate. She advised the debt was accurate and confirmed. She told me to reference the letter I received from them that showed the creditor ( XXXX XXXX XXXX XXXX ), their address, and the amount of the debt. I argued that what I received was not validation or proof of the debt and I wanted them to send me proof of the debt and what contributed to the balance. Since Transunion took my documentation showing proof that the {$620.00} balance was incorrect and should be no more than {$320.00}, I wanted to see what proof they had that contradicted what I provided. XXXX told me they didn't have that information and I would have to go back to XXXX XXXX!!! I advised them that as the agency that reported me to the credit bureau AND was validating the debt with Transunion, they should have proof of the debt. I was told the debt validation was the letter they sent me that disclosed the balance, creditor, and address of the creditor. Again, I argued that was NOT validation of the debt as I had provided proof it was wrong and offered to send it to them to update their reporting. My request was declined by XXXX XXXX and I was told her supervisor ( who I didn't get to speak to ) and that I would have to go back to XXXX XXXX. I was refused debt validation by the agency that was responsible for the credit bureau reporting. This was why I believe Transunion is also in error. If the agency reporting the debt could not validate the debt, how did they do ANY investigation?
I believe XXXX XXXX and Transunion have violated sections 611 and 623 of the FCRA for these issues.
After the brick wall with XXXX XXXX and Transunion, I called Direct XXXX XXXX XXXX. My first call was XX/XX/XXXX. I spoke to XXXX at XXXX XXXX who transferred me because they didn't have the bill in current accounts. I was transferred and call was dead air until I hung up at XXXX. I called back, got another rep and was transferred to XXXX in business mobility collections who didn't handle XXXX XXXX accounts, then transferred to a XXXX in tele-assistance who had no number or idea what to do with me. I had no choice to but to hang up and call back as XXXX didn't even have XXXX XXXX 's customer service number. I called back XX/XX/XXXX at XXXX. I spoke to XXXX who put me on hold until XXXX before telling me they would have to call me back. At XXXX they called me back and transferred me to " XXXX '' wo was in XXXX XXXX collections. I heard music and then dead air and nothing. I hung up at XXXX and called back. I got XXXX at XXXX. I was told once it goes to collections they can't help. I advised that wasn't correct as the agency directed me to them and someone has to validate the debt. I was transferred a few more times before getting XXXX in internal collections who said I have 1 year to return equipment. I advised no document I received, no conversation, nothing ever disclosed that and my return of equipment was accepted and I had proof. I got transferred to XXXX XXXX XXXX and spoke to XXXX at XXXX who confirmed my equipment showed returned. I got transferred back to XXXX in collections at XXXX who stated again 1 year to return equipment. I advised again, it was returned and accepted and I had proof and they have confirmed they are in possession of the equipment and I expect an update to the balance. XXXX put me on " mute '' and would not respond to me after that. I stayed on the line for 10 min advising them to come back on the line or I would be filing a complaint. I hung up and called back at XXXX and spoke to XXXX . She put in an escalated ticket for me to have the matter reviewed for adjustment Reference number XXXX. XXXX biz days review time. I spoke to XXXX the collections manager and complained about XXXX.
On XX/XX/XXXX I received an email stating my account was updated and that " we were able to resolve your concern in the manner requested '' I called back in XX/XX/XXXX to get an updated bill sent to me at XXXX. XXXX said the dispute was not resolved and the balance is unchanged. I spoke to Supervisor XXXX again at XXXX who said the dispute was still in process and that I would get a call when complete.
As of today XX/XX/XXXX I have received no further communication and the automated system at XXXX XXXX XXXX XXXX still says the full incorrect balance of {$620.00}.
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| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX A Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : Better Business Bureau CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 07/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
2. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
3. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
4. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
5. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
6. FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt.
XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
7. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
8. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
9. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
10. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
11. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
12. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
13. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
14. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
15. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
16. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
17. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
18. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
19. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
20. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
21. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
22. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
US DEPT ED Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
23. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
24. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE ACCOUNTS MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 these accounts are not mine.
XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
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| 09/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/2022 RE : TRANSUNIONS VIOLATION OF MY RIGHTS UNDER FCRA!
Dear CFPB or To Whom It May Concern, I am writing this complaint to CFPB about TransUnion in hopes to gain removal from reporting any negative claim ( s ) asserted inadequately or undemonstrated to be so thereby ensuring my confidence in their reporting integrity.
My complaint ( s ) primarily are due to my belief the TransUnion has failed to adequately ensure reporting of my personal consumer credit report profile in fact has been done and currently reports appropriately, accuratley and ONLY undeniably ethical, fair, truthful, within federally-defined timeliness, with physically verifiableness, and elsewise certifiably validated to be compliant to established mandatorily utilized Metro2 Data-filled Field Formatted Reporting Standards, without omissions and or deviations from that required used appropriateness which ensures a non-jeopardized degree of integrity reporting allegations against me satisfying at least the minimal criteria to satisfy the federal and my state 's applicable regulatory mandates for reporting. This means it needs to be reported to an extent no lesser than that of a MAXIMUM POSSIBILE ACCURACY AND MAXIMUM POSSIBIE COMPLETENESS! NEITHER OF WHICH HAS TRANSUNION DONE as you will see further down in this letter.
TransUnion either fails to report fairly and to their own industry 's established mandatorily utilized Metro2 Compliant standards thereby giving me legitimate concerns that the negative information portrayed by the company is either ( 1 ) not meeting of my state 's applicable regulatory mandates and or expected abided by requisite standards, ( 2 ) is deficient or not proven not to be deficient of the federal regulatory requirements for lawful reporting practices, procedures and processes ( i.e. Standards ) that are deliberately in place to better ensure each any and all claims of negativity against each, any and all consumers by each any and all data reporting furnisher ( s ) and or accepted by each, any or all consumer credit reporting repository ( ies ) is in fact done so without deviation, from that expected adhered to standard of factually fair, true, correct, timely, adequately complete, confirmed verifiable and validated claims testifiably asserted to the aforementioned maximum possible accuracy and completeness.
My concern is that TransUnion either in ignorance of their own reporting necessities or in willful recklessness and likely willful dereliction has elected to report information not credible in eyes of even their own governing body 's outlined opinion as indicated in XXXX 'S own XXXX manual ( see XXXX 3-4 ) on which it plain as day states : " ANY DEVIATION FROM THESE STANDARDS ( Metro2 ) JEOPARDIZES THE INTEGRITY ( believability, if you will ) OF THE DATA ( alleged as reported when reported how was reported, obviously ) '' thereby allowing my concerns to be deemed legitimate, giving me the RIGHT I've exercised to CONTEST that TransUnion 's inadequately asserted, but very conditional PRIVILEGE, to report information provably against me.
In my contesting of their privilege to report in this circumstance related to this filed CFPB notice I as well, did forward previously not successfully, responded to and even here and now currently demanded answered CHALLENGE to the mentioned TransUnion, for them to demonstrate document proof confirming the information alleged against me on my consumer report, in fact is meeting each any and all aspects of any requisites particularly that of any federally regulated reporting requirements and undoubtable in its assertion of certifiably compliant reporting practices, procedures and processes supposedly in place intended to increase the probity and trustworthiness of each any and all data alleged against me!
As consumer I have a RIGHT to demand any reporter follow practices of ethical reporting yielding only applicably fair, true, correct, timely, complete proven ( provable ) declarational overments against me with antipodal antithesis, in my opinion, unjustly even hence my here and now rightful complaint and request said argued information derogatory to my otherwise positive credit worthiness making me appear potentially delinquent even if unproven I ever was. I DEMAND THAT THE INDICATED DEFICIENTLY REPORTING COMPANY TO BECOME COMPLIANT IN THEIR REPORTING OF ANY CLAIM MADE VERSUS AND OR ABOUT AND OR CONCERNING ME particularly NOW AND HEREFORWARD without deviating from that standard and any applicable regulatory mandates otherwise necessarily abided by in exact accordance with now and then-current laws for reporting competence in total proficiency in its adequacy of their asserted consumer credit reporting historic record ( s ).
My demands for documented proof of TransUnions adherence to reporting pertinence as is required of them has not been satisfied even to this date thereby forcing my hand to request the CFPBs authoritative intervention prior to my request and petition for a civil court 's justifiable intervention to forcibly bring about the expected rendered fairness and adequacy of the TransUnion 's reporting behaviors, regulated by law!
Please act now to have TransUnion remove from reporting and their own records ANY aspect of any claim unproven to meet satisfactorily at least the minimal criterion to have earned that privilege to initially report much less continually to report.
I demand the accounts mentioned below to be immediately and permanently annulled and or otherwise eradicated from current and any potential future attempts of reporting until and unless the TransUnion in fact demonstrates provable adequacy in its suggested certifiably compliant reporting practices, procedures and processes leading to negative assertions being justifiably levied against me in contradiction to my otherwise genuinely credible consumer payment history and appropriate consumer credit behaviors!
XXXX - XXXX This is unverified and I havent received any documentation proving this account is mine or that the information reported is accurate. Last activity date doesn't match. Date opened is wrong. The high balance doesn't match across all three bureaus. This is inacurate. Delete the account from my credit report immediately.
XXXX XXXX - XXXX - I WAS NEVER LATE ON THIS ACCOUNT. I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report, per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
XXXX XXXX XXXX - XXXX - I WAS NEVER LATE ON THIS ACCOUNT. I was never late on this paid off account. Please show me documentation showing proof of a transaction showing I was ever late to support your inaccurate reporting on my account. If you can not supply this please delete these alleged late payments from my credit report, per usc 15 1666B a creditor may not treat a payment on a credit card as an open ended consumer credit plan.
XXXX XXXX - XXXX - This is unverified and I havent received any documentation proving this account is mine or that the information reported is accurate. What steps did you take to find the information you have provided? The date of last activity doesn't match. The original creditor does not match across all three bureaus. The creditor type doesn't match. I do not believe this is my account. Please provide your method of valdiation.
XXXX XXXX XXXX - XXXX - This is unverified and I havent received any documentation proving this account is mine or that the information reported is accurate. The date opened on this account does not match the other bureaus. There can not be a past due balance on a charged off account. The date of last activity does not match. Delete this inaccurate account from my report.
Again, I am well within my RIGHTS TO DEMAND EVIDENCE OF REPORTING APPROPRIATENESS, HENCE MY ENACTING OF SAID RIGHTS. '' The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Therefore, I demand that you delete the above inaccuracies from my consumer report, this agency is in violation of 15 USC 1681!
Please provide documented proof that these accounts were verified or delete and/or update them immediately as I have previously requested multiple times!
Thank you for your assistance in this urgent matter, XXXX XXXX Proof of ID attached once again.
Transunion- do not send a computer generated XXXX letter again! I want PROOF OF THE ALLEGED ITEMS OR DELETION OF THE ALLEGED ITEMS REPORTING NEGATIVELY AGAINST ME PER MY FCRA RIGHTS!!
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| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
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I am writing to dispute the inaccurate reporting of XXXX XXXX XXXX XXXX, Account Number XXXX, on my credit report. As per my credit report from XXXX, they reported the Account Type as an Unsecured Loan, while the other two bureaus reported it as an Installment Account. Additionally, TransUnion reported the Monthly Payment as {$0.00}, while the other two bureaus did not report it at all. XXXX and TransUnion reported the balance as {$0.00}, while XXXX did not report it. Lastly, XXXX reported the No. of Months ( terms ) as 6 Months, while XXXX and TransUnion reported it as Monthly. XXXX also reported the Payment Status as Paid, past due 120 days, while XXXX and TransUnion reported it as paid or paying as agreed.
I believe that XXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) under the following sections and subsets : Violation XXXX : Inaccurate Account Type reporting by XXXX - reporting an unsecured loan instead of an installment account reported by other bureaus.
Code : 15 U.S. Code 1681e Subset : 1681e ( b ) Violation XXXX : Incomplete Monthly Payment reporting by TransUnion and the other two bureaus not reporting.
Code : 15 U.S. Code 1681s-2 Subset : 1681s-2 ( a ) ( 2 ) ( A ) Violation XXXX : Inconsistent No. of Months reporting by XXXX reporting 6 months while XXXX and TransUnion are reporting Monthly.
Code : 15 U.S. Code 1681c Subset : 1681c ( a ) ( 1 ) Violation XXXX : Inaccurate Payment Status reporting by XXXX - reporting as paid past due 120 days while TransUnion and XXXX are reporting paid or paying as agreed.
Code : 15 U.S. Code 1681i Subset : 1681i ( a ) ( 5 ) ( A ) Therefore, I request that XXXX XXXX XXXX XXXX removes these unverified collection accounts from my credit report immediately. I also urge you to take appropriate enforcement action against XXXX XXXX XXXX XXXX for their violations of the FCRA.
XXXX XXXX XXXX XXXX ( XXXX ) has reported to the credit reporting agencies regarding my account with them. Specifically, I am concerned about the inaccuracies in the reporting by XXXX and XXXX, which have resulted in negative impacts on my credit score and my ability to access credit.
According to XXXX, my account type is listed as an unsecured loan, while XXXX reports it as an installment account. This inconsistency is a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report accurate and complete information about consumers ' credit accounts. The specific code and subset that have been violated are 15 U.S. Code 1681e and 1681e ( b ), respectively.
Furthermore, XXXX failed to report the balance on my account, while XXXX reported a {$0.00} balance. This incomplete reporting is also a violation of the FCRA, specifically 15 U.S. Code 1681s-2 and 1681s-2 ( a ) ( 1 ) ( A ).
Lastly, XXXX reported that my account was paid past due 90 days without notifying me, while XXXX reported the account as " Too new to rate ; Approved but not used. '' This inaccurate reporting is a violation of the FCRA, specifically 15 U.S. Code 1681i and 1681i ( a ) ( 5 ) ( A ).
The account in question is with XXXX XXXX XXXX and the account number is XXXX. XXXX has reported this account as charged off without notifying me, while the other two bureaus did not report the account as charged off. This is a clear violation of the Fair Credit Reporting Act ( FCRA ).
This inaccurate reporting has had a devastating effect on my life. I have been struggling to get a loan for my business due to this negative mark on my credit report. I have been working hard to rebuild my credit and pay off my debts, but this inaccurate reporting by XXXX has made it much harder for me to achieve my goals.
I believe that the inaccurate reporting of this account by XXXX is a violation of the FCRA, specifically Code 15 U.S. Code 1681i and Subset 1681i ( a ) ( 5 ) ( A ). I request that you investigate this matter and take the appropriate legal action to ensure that this violation is enforced.
XXXX XXXX XXXX ( XXXX ) and the credit reporting agencies, XXXX, XXXX, and TransUnion.
Firstly, XXXX is reporting my account type as an auto loan, while XXXX and TransUnion are reporting it as an installment account. This is a clear violation of the Fair Credit Reporting Act, specifically Code 15 U.S. Code 1681e, Subset 1681e ( b ), which requires accurate reporting of consumer credit information.
Secondly, XXXX is failing to report my balance while TransUnion is reporting a {$0.00} balance. This is a violation of Code 15 U.S. Code 1681s-2, Subset 1681s-2 ( a ) ( 1 ) ( A ), which requires complete and accurate reporting of consumer credit information.
Lastly, XXXX is reporting my payment status as paid past due 30 days, while TransUnion and XXXX are reporting it as " Paid or paying as agreed ''. I have never received any notification from XXXX regarding this payment status, and they have not provided any paperwork to support this claim. This is a violation of Code 15 U.S. Code 1681i, Subset 1681i ( a ) ( 5 ) ( A ), which requires accurate reporting of payment information and notification to the consumer of any negative information reported.
XXXX XXXX ( account number XXXX ) and the inaccurate information reported by XXXX, XXXX, and TransUnion.
Firstly, the account type reported by XXXX as " Unsecured Loan '' is inaccurate and differs from the " Installment account '' reported by the other two bureaus. This inconsistency has caused confusion and negatively impacted my credit score.
Additionally, XXXX and XXXX failed to report the credit limit while TransUnion reported a {$0.00} credit limit, which is incomplete reporting and violates the Fair Credit Reporting Act.
Moreover, there are discrepancies in the payment status reported by the three credit bureaus. XXXX reported the account as " Paid, was past due 30 days '' multiple times without notifying me, while XXXX reported it as " Not more than two payments past due '' and TransUnion reported it as " 60 days past due ''. These inconsistencies have caused me undue stress and anxiety as I have been diligently making my payments on time.
XXXX XXXX ( XXXX ) on my credit report. I am particularly concerned with the violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX and its reporting agencies, XXXX and XXXX.
Firstly, XXXX XXXX has inaccurately reported the account type of my credit card on XXXX 's report as a secured credit card, while XXXX has reported it as a revolving account. This conflicting information is causing confusion and inconsistencies in my credit report.
Secondly, XXXX has failed to report the balance of my credit card, while XXXX has reported a balance of {$0.00}. This incomplete reporting is negatively affecting my credit score and making it difficult for me to obtain credit.
Thirdly, XXXX has inaccurately reported my payment status as past due 30 days multiple times without notifying me. In contrast, XXXX has reported that I pay the account as agreed. These conflicting reports are affecting my creditworthiness and making it difficult for me to access loans and other financial products.
Lastly, XXXX has reported a last reported date of XX/XX/XXXX, while XXXX reported XX/XX/XXXX. This inaccurate reporting is causing discrepancies in my credit report, making it difficult for me to understand my credit history.
dispute the information that has been reported on my credit report by TransUnion regarding an alleged open account with XXXX, the original creditor being XXXX XXXX XXXX XXXX ( account number XXXX ). The information reported is inaccurate and has caused significant harm to my credit score, as well as my ability to obtain credit in the future.
TransUnion reported that I had an open account with XXXX, however, I have not received any written notice of this account being open. Additionally, TransUnion failed to provide any verification or documentation of the debt, which is a violation of the Fair Debt Collection Practices Act. Furthermore, TransUnion reported the account as " placed for collection '' without providing me with any prior notice of this action.
This inaccurate and incomplete reporting has had a significant impact on my life. I have been denied credit and have been subject to higher interest rates due to this erroneous information on my credit report. This has made it difficult for me to obtain financing for important purchases, such as a new car or a home. I have worked hard to maintain a good credit score, and the inaccurate information reported by TransUnion has made this task more challenging than it should be.
I am requesting that TransUnion remove this unverified collection account from my credit report immediately. I am also requesting that they take all necessary steps to correct any inaccuracies or errors on my credit report in accordance with federal law. I urge you to take swift action to enforce these legal violations to ensure that I am not unfairly penalized for inaccurate reporting.
Thank you for your attention to this matter.
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| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX Pleasant Circle XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I decided to contact each creditor to get debts verified and to ensure everyone is reporting accurately. Here are my findings. You have incorrectly reported account information on my credit report, and I demand it be deleted after being reported incorrectly for four years and being told they were verified and reporting accurately by date furnish. There are no way all three credit reports are right and are using the same data furnisher.
XXXX XXXX ( Transunion ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My Transunion shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my Transunion it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. Transunion is reporting 7 late payments. According to the Principal & Interest statement only 3 payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and Transunion is reporting {$11000.00}. PLEASE REMOVE XXXX XXXX FOR REPORTING INACCURATELY!
XXXX XXXX XXXX XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting 5 late payments. According to the Principal & Interest statement only 3 payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE XXXX XXXX FOR REPORTING INACCURATELY!
XXXX XXXX ( XXXX ) Per XXXX XXXX responds ( respondents attached ) it states that this account was repossessed due to non-payment from XXXX XX/XX/XXXX. My XXXX shows a payment was made on time XX/XX/XXXX. Also, they sent a payment statement ( attached ) that shows on XX/XX/XXXX, a payment of {$580.00} was made to XXXX XXXX XXXX. On my XXXX it states that the last payment was made on XX/XX/XXXX. This is incorrect as I attached the Principal and Interest Statement that shows the last payment was made on XX/XX/XXXX. XXXX is reporting 22 late payments. This account was charged off XX/XX/XXXX, which is stated in letter attached. XXXX is still reporting late payments after XX/XX/XXXX. According to the Principal & Interest statement only 3 payments were missed. ( Attached ) Furthermore, XXXX XXXX has sent a Payment history statement account ( attached ) stating that the deficiency balance is {$11000.00}. XXXX XXXX has stated it is {$11000.00} and XXXX is reporting {$11000.00}. PLEASE REMOVE XXXX XXXX FOR REPORTING INACCURATELY!
XXXX XXXX ( Transunion ) This account was opened XX/XX/XXXX, according to XXXX XXXX. ( see attached documents ) Transunion has been reporting incorrect opening dates and closing dates. This account passed the seven-year mark since delinquent date in XXXX and is required by law to be removed.
XXXX XXXX ( XXXX ) This account was opened XX/XX/XXXX, according to XXXX XXXX. ( see attached document ) XXXX has been reporting incorrect opening dates and closing dates. This account passed the seven-year mark since delinquent date in XXXX and is required by law to be removed.
XXXX XXXX XXXX ( Transunion ) This debt is reporting incorrect open date and balance per responds from XXXX XXXX. ( proof attached ). PLEASE REMOVE XXXX XXXX XXXX FOR REPORTING INACURRATLEY.
XXXX XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( proof attached ) The status show discharged in bankruptcy or included in bankruptcy. The balance is incorrect. XXXX is still reporting 10 late payments. The pay history is being reported inaccurately. PLEASE REMOVE XXXX XXXXXXXX FOR REPORTING INCORRECTLY.
XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( proof attached ) The status should not show closed or charged off It should show discharged in bankruptcy. The balance is incorrect. Balance should be XXXX. The creditor is reporting this account as disputing. XXXX is reporting 12 late payments, other bureaus are reporting 8 late payments ( XXXX ). PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) The status should not show closed or charged off It should show discharged in bankruptcy. The balance is incorrect. Balance should be XXXX. The creditor is reporting this account as disputing. XXXX is reporting 8 late payments, other bureaus are reporting 12 late payments ( XXXX ). PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) XXXX XXXX XXXX responds ( attached ) the account open date is incorrect. XXXX is reporting 61 late payments and XXXX is reporting differently. How are 61 late payments being reported if this account was charged off XX/XX/XXXX according to XXXX? PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) XXXX XXXX XXXX responds ( attached ) the account open date is incorrect. XXXX is reporting differently than XXXX. XXXX is reporting 61 late payments. PLEASE REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( Transunion ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. The balance is incorrect. PLEASE VERIFY OR REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. The balance is incorrect. PLEASE VERIFY OR REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt. The balance is incorrect. PLEASE VERIFY OR REMOVE XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) XXXX is still reporting late payments on this debt. PLEASE REMOVE FIRST XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) The status should show discharged in bankruptcy or included in bankruptcy. PLEASE REMOVE XXXX XXXX XXXX FOR REPORTING INCORRECTLY.
XXXX XXXX XXXX XXXX XXXXXXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt.
XXXX XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt.
XXXX XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt.
XXXX XXXX XXXX ( XXXX ) This debt does not belong to me. Please verify debt. 1. Original creditor 's name and contact information. 2. Account number and date of debt inception. 3. Detailed breakdown of the claimed amount, including any interest or fees. 4. Supporting documentation demonstrating my liability for the debt.
XXXX XXXX ( XXXX ) This debt was discharged in Bankruptcy XXXX XXXX XX/XX/XXXX. ( attached ) The status should show XXXX in bankruptcy or included in bankruptcy. The balance is incorrect. PLEASE REMOVE XXXX FOR REPORTING INCORRECTLY.
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| 03/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have reached out to XXXX, XXXX and XXXX, Trans Union and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, Trans Union, and XXXX as well as Innovice copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint state Attorney Generals complaint in florida consumer protection complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX USC 1692c ( b ) 15 US.. code 1681s-2 Responsibilities offurnishers of information to consumer reporting agencies. 15 U.S. code1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S.code 16811- procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. XXXX. XXXX Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act.these are all the federal violations and state violations as well I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729- 3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( date ) with account number ( account # ). Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you XXXX TRANSUNION XXXX XXXX XXXX XXXX into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.ALSO 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt
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| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my Transunion Credit Report. To Whom It May Concern, In the course of recently screening my personal Transunion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : XXXX. The inquiry was not authorized -XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
-XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
_____ XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX Bank Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX Account Number XXXX XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. XXXX. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
_________ I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I sent this dispute letter to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
Subject : Dispute of Alleged Debt and Request to Cease and Desist Dear Sir/Madam, I am writing to dispute the alleged debt that your company, XXXX XXXX XXXX XXXX XXXX attempting to collect from me. It has come to my attention that your company has reported this debt to credit bureaus, and I am deeply concerned that this inaccurate and unjust information may negatively impact my creditworthiness, causing significant harm to my financial standing. I demand, with utmost urgency, that you immediately cease and desist from any further collection attempts, including reporting this alleged debt to credit bureaus.
I draw your attention to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX - Definitions ; rules of construction, which lays the foundation for the regulatory framework governing consumer credit reporting. This statute defines critical terms relevant to my case and is fundamental to understanding the rights and responsibilities of both consumers and credit reporting agencies.
The term " consumer '' under this statute is defined as an individual, and I, XXXX XXXX, fall squarely within this category.
Furthermore, it is crucial to recognize that 15 U.S. Code 1681 - Congressional Findings and Statement of Purpose articulates Congress 's intent when enacting the FCRA. It emphasizes the significance of accuracy and fairness in credit reporting and underscores the importance of maintaining consumer privacy and confidence in the financial system. These congressional findings serve as a guiding principle for interpreting and enforcing the FCRA.
Within this context, I insist that your company, as a furnisher of information to consumer reporting agencies, strictly adhere to the FCRA, especially the section that specifically addresses your duties, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. This section imposes a duty on furnishers like XXXX XXXX XXXX to provide accurate information to consumer reporting agencies. Specifically : Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), you are prohibited from furnishing any information to consumer reporting agencies if you know or have reasonable cause to believe that the information is inaccurate.
Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ), you are prohibited from furnishing information to consumer reporting agencies if you have been notified by the consumer that specific information is inaccurate, and that information is indeed inaccurate.
I categorically assert that the alleged debt you are attempting to collect is both inaccurate and unjust, as it has been previously written off by the original creditor in accordance with IRS guidelines. According to IRS regulations, a written-off debt is considered canceled debt and is no longer legally owed. Consequently, I affirm that I owe no debt to your company.
In light of these legal obligations and the factual basis of my dispute, I formally request that you provide me with all documentation related to this alleged debt, including but not limited to : A copy of the original signed contract or agreement between myself and your company.
Detailed information regarding the debt 's origin, including the original creditor 's information and the date of the debt.
Documentation demonstrating that your company possesses the legal authority to collect this alleged debt.
Until such time as you can conclusively and unequivocally prove that I owe this debt to your organization and that your collection activities are in strict compliance with all applicable laws and regulations, I insist that you immediately and unconditionally cease and desist from any further collection attempts and the reporting of this alleged debt to credit bureaus.
Furthermore, I demand that you promptly rectify any inaccuracies and personal details that you may have reported to credit bureaus without my explicit authorization. These inaccuracies have caused substantial harm to my financial reputation and well-being.
Now, I also want to bring your attention to another relevant law, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, which pertains to the obligations of financial institutions when disclosing nonpublic personal information. While this law primarily applies to financial institutions, it underscores the importance of protecting consumer information and maintaining accuracy, which are core principles of the FCRA as well.
Please be aware that my rights under the FCRA are not to be taken lightly. Failure to comply with this formal dispute and cease-and-desist request may result in serious legal consequences, including potential legal action on my part to safeguard my rights under the FCRA and other relevant consumer protection laws. I am fully prepared to exercise all legal avenues at my disposal to protect my interests.
This letter serves as formal notice to your agency of my dispute and demands, and you are hereby put on notice of my intent to enforce my rights under the FCRA, 15 U.S. Code 6802, and other applicable laws. I expect a comprehensive written response to this dispute within 30 days of your receipt of this letter.
Your prompt attention to this matter is not only expected but imperative. The inaccuracies in question have already caused undue harm to my credit profile, and it is imperative that they are rectified promptly.
-- - I sent this letter last week on the XXXX of XXXX but I heard nothing back yet because of course it's a mailed letter. I also, sent digital disputes using credit karma TransUnion, XXXX, and XXXX. XXXX removed this account immediately due to it being unverifiable and by not giving any permissible purpose Under 15 US code 1681b permissible purposes of consumer reports. Transunion I sent a dispute on credit karma. Transunion tells me the account is verified and I'm trying to figure out how. How are they verifying it? Did they get my signature from that company saying I give access to my consumer report? Or are they just saying verified? All credit accounts are insured before the lender gives out credit. Once a lender writes off the the balance for tax purposes and the account states it is " written off '' you no longer legally have to pay that debt under IRS provisions and regulations once a debt is written off it is considered a canceled debt per the IRS. So I'm trying to figure out what debt are they collecting if there is no debt. How much did they pay for the alleged debt? How much did they pay for my private information? I never gave explicit authorization for XXXX XXXX XXXX to access my consumer report. Furthermore, 15 US Code 1681a defines crucial terms relevant to my case. It introduces the term " Exclusions '' which signifies that certain categories of information are not to be included within a consumer report. Notably, exclusions refer to information excluded from the definition of a consumer report and this definition es essential to understanding the limits and scope of the information that may be reported to consumer reporting agencies. Furthermore, the practice of reporting debt when there is none is perplexing. Paragraph XXXX of this statute states that the term " consumer report '' does not include a " report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reporting information Soley as to transactions and experiences ( Debt ) on my consumer report without my authorization? Under 15 U.S. Code 6802 ( b ) related to the opt-out provision, it is important to note that a financial institution like Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX the debt ) may not disclose non-public personal information to a non-affiliated third party, such as credit reporting agencies like Debt Collection Agencies, TransUnion, XXXX, and XXXX, unless they clearly and conspicuously disclose to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party. Additionally, the consumer is given the opportunity before the time that such information is not disclosed to such third party and the consumer is given an explanation of how to exercise that non-disclosure option. I want to emphasize that under 15 U.S. Code 6802, I was never given an explanation of how the consumer can exercise that non-disclosure option. The original creditor says there is no debt so again what they are trying to collect and who gave them explicit authorization to write, create, say, or publish anything on my consumer report. This now deems the report inaccurate and a violation of consumer protection laws and consumer privacy.
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| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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I sent this dispute letter to XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT.
Subject : Dispute of Alleged Debt and Request to Cease and Desist Dear Sir/Madam, I am writing to dispute the alleged debt that your company, XXXX XXXX XXXX , is attempting to collect from me. It has come to my attention that your company has reported this debt to credit bureaus, and I am deeply concerned that this inaccurate and unjust information may negatively impact my creditworthiness, causing significant harm to my financial standing. I demand, with utmost urgency, that you immediately cease and desist from any further collection attempts, including reporting this alleged debt to credit bureaus.
I draw your attention to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681a - Definitions ; rules of construction, which lays the foundation for the regulatory framework governing consumer credit reporting. This statute defines critical terms relevant to my case and is fundamental to understanding the rights and responsibilities of both consumers and credit reporting agencies.
The term " consumer '' under this statute is defined as an individual, and I, XXXX XXXX, fall squarely within this category.
Furthermore, it is crucial to recognize that 15 U.S. Code 1681 - Congressional Findings and Statement of Purpose articulates Congress 's intent when enacting the FCRA. It emphasizes the significance of accuracy and fairness in credit reporting and underscores the importance of maintaining consumer privacy and confidence in the financial system. These congressional findings serve as a guiding principle for interpreting and enforcing the FCRA.
Within this context, I insist that your company, as a furnisher of information to consumer reporting agencies, strictly adhere to the FCRA, especially the section that specifically addresses your duties, 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. This section imposes a duty on furnishers like XXXX XXXX XXXX to provide accurate information to consumer reporting agencies. Specifically : Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ), you are prohibited from furnishing any information to consumer reporting agencies if you know or have reasonable cause to believe that the information is inaccurate.
Under 15 U.S. Code 1681s2 ( a ) ( 1 ) ( B ), you are prohibited from furnishing information to consumer reporting agencies if you have been notified by the consumer that specific information is inaccurate, and that information is indeed inaccurate.
I categorically assert that the alleged debt you are attempting to collect is both inaccurate and unjust, as it has been previously written off by the original creditor in accordance with IRS guidelines. According to IRS regulations, a written-off debt is considered canceled debt and is no longer legally owed. Consequently, I affirm that I owe no debt to your company.
In light of these legal obligations and the factual basis of my dispute, I formally request that you provide me with all documentation related to this alleged debt, including but not limited to : A copy of the original signed contract or agreement between myself and your company.
Detailed information regarding the debt 's origin, including the original creditor 's information and the date of the debt.
Documentation demonstrating that your company possesses the legal authority to collect this alleged debt.
Until such time as you can conclusively and unequivocally prove that I owe this debt to your organization and that your collection activities are in strict compliance with all applicable laws and regulations, I insist that you immediately and unconditionally cease and desist from any further collection attempts and the reporting of this alleged debt to credit bureaus.
Furthermore, I demand that you promptly rectify any inaccuracies and personal details that you may have reported to credit bureaus without my explicit authorization. These inaccuracies have caused substantial harm to my financial reputation and well-being.
Now, I also want to bring your attention to another relevant law, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, which pertains to the obligations of financial institutions when disclosing nonpublic personal information. While this law primarily applies to financial institutions, it underscores the importance of protecting consumer information and maintaining accuracy, which are core principles of the FCRA as well.
Please be aware that my rights under the FCRA are not to be taken lightly. Failure to comply with this formal dispute and cease-and-desist request may result in serious legal consequences, including potential legal action on my part to safeguard my rights under the FCRA and other relevant consumer protection laws. I am fully prepared to exercise all legal avenues at my disposal to protect my interests.
This letter serves as formal notice to your agency of my dispute and demands, and you are hereby put on notice of my intent to enforce my rights under the FCRA, 15 U.S. Code 6802, and other applicable laws. I expect a comprehensive written response to this dispute within 30 days of your receipt of this letter.
Your prompt attention to this matter is not only expected but imperative. The inaccuracies in question have already caused undue harm to my credit profile, and it is imperative that they are rectified promptly.
-- - I sent this letter last week on the XXXX of XXXX but I heard nothing back yet because of course it's a mailed letter. I also, sent digital disputes using XXXX XXXX TransUnion, XXXX, and XXXX. XXXX removed this account immediately due to it being unverifiable and by not giving any permissible purpose Under 15 US code 1681b permissible purposes of consumer reports. Transunion I sent a dispute on credit karma. Transunion tells me the account is verified and I'm trying to figure out how. How are they verifying it? Did they get my signature from that company saying I give access to my consumer report? Or are they just saying verified? All credit accounts are insured before the lender gives out credit. Once a lender writes off the the balance for tax purposes and the account states it is " written off '' you no longer legally have to pay that debt under IRS provisions and regulations once a debt is written off it is considered a canceled debt per the IRS. So I'm trying to figure out what debt are they collecting if there is no debt. How much did they pay for the alleged debt? How much did they pay for my private information? I never gave explicit authorization for XXXX XXXX XXXX to access my consumer report. Furthermore, 15 US Code 1681a defines crucial terms relevant to my case. It introduces the term " Exclusions '' which signifies that certain categories of information are not to be included within a consumer report. Notably, exclusions refer to information excluded from the definition of a consumer report and this definition es essential to understanding the limits and scope of the information that may be reported to consumer reporting agencies. Furthermore, the practice of reporting debt when there is none is perplexing. Paragraph XXXX of this statute states that the term " consumer report '' does not include a " report containing information solely as to transactions or experiences between the consumer and the person making the report. So why are XXXX XXXX XXXX XXXX A Third Party Company ) reporting information Soley as to transactions and experiences ( Debt ) on my consumer report without my authorization? Under 15 U.S. Code 6802 ( b ) related to the opt-out provision, it is important to note that a financial institution like XXXX XXXX XXXX XXXX where XXXX XXXX XXXX allegedly bought the debt ) may not disclose non-public personal information to a non-affiliated third party, such as credit reporting agencies like Debt Collection Agencies, TransUnion, XXXX, and XXXX, XXXX they clearly and conspicuously disclose to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party. Additionally, the consumer is given the opportunity before the time that such information is not disclosed to such third party and the consumer is given an explanation of how to exercise that non-disclosure option. I want to emphasize that under 15 U.S. Code 6802, I was never given an explanation of how the consumer can exercise that non-disclosure option. The original creditor says there is no debt so again what they are trying to collect and who gave them explicit authorization to write, create, say, or publish anything on my consumer report. This now deems the report inaccurate and a violation of consumer protection laws and consumer privacy.
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| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the unverified collection accounts on my credit report that were reported by XXXX XXXX XXXX, account number XXXX. These accounts have caused significant damage to my credit score and have negatively impacted my ability to obtain credit, employment, and housing.
As a result of Achieve Personal Loans ' actions, I believe the following sections of federal law have been violated : Fair Credit Reporting Act ( FCRA ) Section 607 ( a ) ( 1 ) : Requires consumer reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.
Section 607 ( b ) : Requires furnishers of information ( such as XXXX XXXX XXXX ) to provide accurate and complete information to consumer reporting agencies.
Section 623 ( a ) ( 1 ) : Requires consumer reporting agencies to conduct a reasonable reinvestigation of disputed information in a credit report.
Section 623 ( a ) ( 2 ) : Requires furnishers of information to conduct a reasonable investigation of disputed information.
Fair Debt Collection Practices Act ( FDCPA ) Section 807 ( 10 ) : Prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt.
Truth in Lending Act ( TILA ) Section 128 ( b ) ( 2 ) : Requires lenders to provide accurate and timely disclosures of the terms and conditions of loans, including the finance charges and APR.
Equal Credit Opportunity Act ( ECOA ) Section 701 ( a ) : Prohibits creditors from discriminating against any applicant on the basis of race, color, religion, national origin, sex, marital status, or age.
Section 701 ( b ) : Prohibits creditors from discriminating against any applicant because the applicant receives public assistance or because the applicant has exercised any right under the Consumer Credit Protection Act.
XXXX, account number XXXX According to TransUnion and XXXX , the account type detail was an unsecured loan, but XXXX did not report this information. Additionally, the date opened and date reported were different between XXXX/TransUnion and XXXX. This discrepancy has caused confusion and inconsistency in my credit report, making it difficult for me to manage my finances effectively.
Furthermore, the number of months or terms reported by TransUnion and XXXX is 60, but XXXX reported 0. This inconsistency has caused damage to my credit score, making it harder for me to access financial opportunities that I need to improve my financial situation.
Additionally, TransUnion and XXXX reported a high credit balance of {$5500.00}, while XXXX reported {$0.00}. This discrepancy has caused confusion, making it difficult for me to determine my true credit balance and manage my finances effectively.
Lastly, XXXX reported that I was 90 days late on XX/XX/XXXX, but I did not miss any payment on this account. These false delinquency reports have damaged my credit score, making it harder for me to access financial opportunities that I need to improve my financial situation.
I believe that XXXX has XXXX the Fair Credit Reporting Act, specifically Section 607 ( a ) ( 1 ), Section 607 ( b ), Section 623 ( a ) ( 1 ), and Section 623 ( a ) ( 2 ). I also believe that they have violated the Truth in Lending Act, specifically Section 128 ( b ) ( 2 ).
XXXXXXXX XXXX ( account number XXXX ). According to my credit report from TransUnion, XXXX, and XXXX, there are several discrepancies and inaccuracies in the information being reported by XXXX XXXX and the credit reporting agencies.
Firstly, TransUnion and XXXX report that the Account Type Detail is a Credit Card, while XXXX does not report it at all. Secondly, TransUnion and XXXX report the Account Status as Derogatory, while XXXX reports it as Open. Thirdly, the reported Date Opened is inconsistent between the credit reporting agencies, with XXXX and XXXX reporting XX/XX/XXXX and TransUnion reporting XX/XX/XXXX. Fourthly, the reported Balance is {$1000.00} by TransUnion and XXXX, while XXXX reports {$0.00}. Lastly, the Credit Limit reported by XXXX and XXXX is {$0.00}, while TransUnion reports {$850.00}.
Moreover, according to XXXX, I was 90 days late on XX/XX/XXXX, but I have not missed any payment on this account. These inaccuracies have greatly affected my credit score and have caused significant stress and financial hardship in my life. As a result of these errors, I have been denied credit and have been subjected to higher interest rates and fees.
I believe that XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( a ) ( 1 ) and 607 ( b ) by providing inaccurate and incomplete information to the credit reporting agencies. Furthermore, the credit reporting agencies have violated FCRA Sections 623 ( a ) ( 1 ) and 623 ( a ) ( 2 ) by failing to maintain reasonable procedures to ensure the accuracy of the information contained in my credit report.
Additionally, I believe that XXXX XXXX has violated the Truth in Lending Act ( TILA ), specifically Section 128 ( b ) ( 2 ) by failing to provide accurate and timely disclosures of the terms and conditions of my credit card account.
XXXX ( account number : XXXX ) : According to TransUnion and XXXX XXXX the account type-detail is listed as a credit card, but XXXX did not report this account at all.
TransUnion and XXXX reported the account status as " Paid, '' but XXXX reported it as " Derogatory. '' TransUnion and XXXX listed the date opened as XX/XX/XXXX, while XXXX listed it as XX/XX/XXXX.
TransUnion and XXXX reported a credit limit of {$1100.00}, but XXXX listed it as {$0.00}.
All three bureaus reported that I was 120 days late on XX/XX/XXXX, but I did not miss any payment on this account.
I believe that XXXX violated several laws in the handling of my account, including : Fair Credit Reporting Act ( FCRA ) Section 607 ( a ) ( 1 ) : failure to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in credit reports.
FCRA Section 607 ( b ) : failure to provide accurate and complete information to consumer reporting agencies.
FCRA Section 623 ( a ) ( 1 ) : failure to conduct a reasonable reinvestigation of disputed information in a credit report.
FCRA Section 623 ( a ) ( 2 ) : failure to conduct a reasonable investigation of disputed information.
Truth in Lending Act ( TILA ) Section 128 ( b ) ( 2 ) : failure to provide accurate and timely disclosures of the terms and conditions of loans, including the finance charges and APR.
XXXX account with account number XXXX. According to my credit report from Transunion, XXXX, and XXXX, there are discrepancies in the account details, including the Account Type, Account Status, Monthly Payment, Date Opened, Balance, High Credit balance, and Credit Limit.
Furthermore, according to all three bureaus, I was 60 days late on XX/XX/XXXX, but I did not miss any payment on this account. These errors have caused significant damage to my credit score and have affected my ability to obtain credit and loans at reasonable interest rates.
I believe that XXXX and the credit reporting agencies have violated several provisions of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( a ) ( 1 ), Section 607 ( b ), Section 623 ( a ) ( 1 ), and Section 623 ( a ) ( 2 ). Specifically, XXXX may have provided inaccurate or incomplete information to the credit reporting agencies, and the credit reporting agencies may have failed to maintain reasonable procedures to ensure the accuracy of the information in my credit report.
XXXXXXXX XXXX XXXX XXXX According to XXXX and XXXX , I was reported as being 120 days late on XX/XX/XXXX on this account. However, I have not missed any payments on this account. Furthermore, there are discrepancies in the reported dates, high credit balance, and credit limit among the three credit bureaus.
The inaccurate information on my credit report has had a significant impact on my life. As a result of these errors, my credit score has been negatively affected, making it difficult for me to obtain credit, such as a mortgage, car loan, or credit card. I have also been subjected to higher interest rates and denied credit, despite having a good credit history.
I believe that XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate and complete information to the credit reporting agencies, as required by Section 607 ( b ). Additionally, I believe that they have failed to conduct a reasonable investigation of the disputed information, as required by Section 623 ( a ) ( 2 ).
I am requesting that the inaccurate information on my credit report be corrected and that XXXX XXXX XXXXXXXX be held accountable for any violations of the FCRA. I am also requesting that these unverified collection accounts be removed from my credit report.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 12/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have tried every method available and there continues to be insufficient actions taken by TransUnion to accurately report my credit information on my report, which has caused me and my family catastrophic consequences against my ability to obtain viable employment as well as credit to provide a home for my family.
As you are well abreast, the FCRA & US Bankruptcy Code ; governs your ability to handle ones personal information. This is my final request invoking my statutorily granted rights under the following FCRA law, Title 15 & Bankruptcy codes.
Title 15 1681e. Compliance procedures ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information, concerning the individual about whom the report relates.
1. I have a total of 8 accounts with XXXX XXXX XXXX. Seven of the 8 accounts are being inaccurately reported. Some of the respective accounts have reached the aging requirement for automatic removal with a Date of First Delinquency of XX/XX/XXXX. While others are close to the aging requirement for removal, Transunion continually reports them inaccurately as the Date of First Delinquency of XX/XX/XXXX. Transunion has blatantly ignored all of my attempts and records supporting any adversity regarding these records for proper correction and accurate reporting status. All records to date with XXXX should reflect one account. The status of that account should be positive.
Title 11 ; Bankruptcy Code States : 523. Exceptions to discharge : ( A ) A discharge under section 727, 1141, 1228 ( a ), 1228 ( b ), or 1328 ( b ) of this title does not discharge an individual debtor from any debt ( A ) ( I ) an educational benefit overpayment or loan made, insured, or guaranteed by a governmental unit, or made under any program funded in whole or in part by a governmental unit or nonprofit institution ; or ( ii ) an obligation to repay funds received as an educational benefit, scholarship, or stipend ; or ( B ) any other educational loan that is a qualified education loan, as defined in section221 ( d ) ( 1 ) of the Internal Revenue Code of 1986, incurred by a debtor who is an individual.
2. Per the bankruptcy code Student loans are not discharged in bankruptcy there are 7 loans from the Department of Education reporting on my TransUnion credit report as included in bankruptcy they also should be removed as the Date of First Delinquency is in XX/XX/XXXX. TransUnion is reporting a date of XX/XX/XXXX. This is in-correct the reporting date is wrong. My TransUnion report dated XX/XX/XXXX shows that the status of these accounts information being presented to the Department of Education has been updated & Verified as accurate. Which is incorrect according to Title 11 Bankruptcy Code Section : 523 ( B ). Exceptions to discharge.
Title 15 1681i. Procedure in case of disputed accuracy ( B ) Requirements relating to reinsertion of previously deleted material ( I ) Certification of accuracy of information if any information is deleted from a consumers File pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is Complete and accurate.
TransUnion had previously deleted the 7 Department of Education accounts and then re-inserted them on my reports months later, I was not notified of the re-insertion of this information. Per Title 15 1681i. Procedure in case of disputed accuracy ( ii ) Notice to consumer if any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing Not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
3. Im request proof that this notice was submitted to me after re-inserting the ( 7 ) accounts from the Department of Education back on to my Transunion report along with dates verifying the submittal to me.
FCRA 611 Section : [ 15 U.S.C. 1681n ] 611 ( a ) & Title 15 1681i. ( 7 ) Procedure in case of disputed.
Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.
4. I have continued to request the incorrect information to be removed from my accounts and I have not received a description of the reinvestigation procedure after as many as eight disputes.
Title 15 1681i. ( 6 ) Notice of results of reinvestigation.
A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after completion of the reinvestigation, by mail or if authorized by the consumer for that purpose, by other means available to the agency.
5. Im presently requesting the items included in this letter removed and the procedure to correct the items disclosed to me per my legal rights.
Title 15 1681i. ( 5 ) Notice of results of reinvestigation.
If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
6. I have spoken to XXXX XXXX about these ( 7 ) accounts and the Department of Education about their ( 7 ) accounts, along with TransUnion to verify the information and to have these items corrected and the incorrect information removed. The Department of Education & XXXX XXXX has stated they have not been contacted by TransUnion.
Please be advised that the specific entries associated with this request are listed on the Transunion report dated XX/XX/XXXX, I am sure that you realize from the contents of this letter that I am familiar with my rights and the FCRA laws & Title 11 of the US Bankruptcy code. Furthermore, I have consulted my attorney just in case your entity fails to honor my request under these laws. Failing to fulfill this request, will force me to invoke my statutory rights to damages per Section : 616.Civil liability for willful non-compliance [ 15 U.S.C. 1681n ] ( A ) and ( B ) and Section : 617.Civil liability for negligent non-compliance [ 15 U.S.C. 1681o ] ( a ) ( 1 ) and ( a ) ( 2 ), which reads as follow : Section : 616.Civil liability for willful non-compliance [ 15 U.S.C. 1681n ] ( A ) In general. Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Section : 617.Civil liability for negligent non-compliance [ 15 U.S.C. 1681o ] ( A ) In general. Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of o ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and o ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I understand that it is imperative for representatives to conduct business that is not only professional and achieves the goals of the request, but that which mitigates the expense of the investigation while maintaining comports of the FCRA laws. No matter how frustrating the task may be, I am hopeful to have an amicable resolution within the stipulated timelines imposed by the FCRA & Title 15 US Code. With that being said, I eagerly await your response with copies of the corrections and the disclosed method and description of the investigative procedure you utilize as resolution.
Thank you for your time.
Sincerely, XXXX XXXX XXXX
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| 12/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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These inquiries are not mines and I have disputed many times.
Transunion XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX Bk I Inquiry from XX/XX/XXXX + Bank XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX fromXX/XX/XXXX+ Automotive XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX Po Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX fromXX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX+ Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + Bank XXXX XXXX XXXX XXXX from XXXXXX/XX/XXXX+ XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX I Inquiry from XX/XX/XXXX+ XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX.
XXXX XXXX from XX/XX/XXXX + XXXX.
XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX XXXX from XX/XX/XXXX+ XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ XXXX XXXX XXXX Inquiry from XX/XX/XXXX+ XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX 's XXXX Inquiry from XX/XX/XXXX+ XXXX XXXX 's XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automotive XXXX XXXX Inquiry from Apr XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automotive XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXXnquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from Apr XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Automotive Ca XXXX Bank XXXX from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX Bk I Inquiry from XXXX XXXX, XXXX + Bank XXXX Bk I Inquiry from XXXX XXXX, XXXX + Bank XXXX Bk I Inquiry from XXXX XXXX, XXXX + Bank XXXX Bk I Inquiry from XXXX XXXX, XXXX + Bank XXXX Bk I Inquiry from XXXX XXXX, XXXX + Bank XXXX Bk I Inquiry from XXXX XXXX, XXXX + Bank XXXX Bk I Inquiry from XXXX XXXX, XXXX + Bank XXXX Bank XXXX from XXXX XXXX, XXXX + Bank XXXX Pr XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Automotive An XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Automotive XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from Apr XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXXl Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX Pfs XXXX # Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Cu Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX Bk Inquiry from XXXX XXXX, XXXX + Bank XXXX Bk Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + Bank XXXX Bk Inquiry from XXXX XXXX, XXXX + Bank XXXX Bk Inquiry from Apr XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + Home Furnishings XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from Apr XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + Finance XXXX Cre Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + Bank XXXX XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX + Bank XXXX XXXX from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + Finance XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from Apr XXXX, XXXX + XXXX XXXX Inquiry from Apr XXXX, XXXX + XXXX XXXX Inquiry from Apr XXXX, XXXX + XXXX XXXX Inquiry from XXXX XXXX, XXXX + XXXX XXXX Inquiry from Apr XXXX, XXXX + XXXX Trans Union Inquiry from XXXX XXXX, XXXX + XXXX.
Trans Union Inquiry from XXXX XXXX, XXXX + XXXX.
Trans Union Inquiry from XXXX XXXX, XXXX + XXXX.
Trans Union Inquiry from XXXX XXXX, XXXX + XXXX.
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date of Request : XXXX/XXXX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.
XXXX XXXXL Address : XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Date of Request : XXXX/XXXX/XXXX Address Identification Number : XXXX Comments : Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX.
XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date of Request : XXXX/XXXX/XXXX Address Identification Number : XXXX Comments : Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX.
XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Date of Request : XXXX/XXXX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Date of Request : XXXX/XXXX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.
XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, TX XXXX No phone number available Date of Request : XXXX/XXXX/XXXX Address Identification Number : XXXX Comments : Auto loan. This inquiry is scheduled to continue on record until XXXX XXXX.
XXXX XXXX Address : XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Date of Request : XXXX/XXXX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.
XXXX Address : XXXX XXXX XXXX XXXX CLOUD, MN XXXX ( XXXX ) XXXX Date of Request : XXXX/XXXX/XXXX Address Identification Number : XXXX Comments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.
|
| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the inaccurate information that XXXX XXXX has reported to the three major credit bureaus regarding my account. The violations of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ) have caused me significant distress and negatively impacted my financial wellbeing.
As per the details of my account, XXXX has reported discrepancies across the three credit bureaus ( XXXX, XXXX, and TransUnion ). XXXX and XXXX are showing that I was 30 days late on XX/XX/XXXX, but I have not missed any payment on this account. Furthermore, TransUnion and XXXX are showing that the date the account was opened is XX/XX/XXXX, while XXXX is showing XX/XX/XXXX. In addition, TransUnion and XXXX are reporting the number of months ( terms ) as XXXX, but XXXX is showing XXXX. These discrepancies in reporting violate the FCRA 's requirement of accurate reporting.
XXXX has also violated FACTA 's Section 312 ( a ) - Free Annual Credit Reports provision by providing inaccurate and inconsistent credit reports across the three credit bureaus. The discrepancies between the reports have made it difficult for me to assess my creditworthiness and take necessary actions to improve my credit score.
XXXX XXXX I have noticed discrepancies in the information reported by the XXXX major credit bureaus, namely TransUnion , XXXX, and XXXX XXXX
According to TransUnion, the date this account was opened is XX/XX/XXXX, while XXXX and XXXX reported a different date. Additionally, TransUnion reported a different high credit balance amount compared to XXXX and XXXX, and the credit limit balance was also reported differently across the three bureaus.
Moreover, there was a 30-day late payment reported on XX/XX/XXXX, which is inaccurate as I have not missed any payments on this account. This inaccurate reporting has significantly affected my credit score and has made it challenging for me to secure loans and credit cards at favorable interest rates.
I am aware that XXXX is required by law to follow reasonable procedures to ensure the maximum possible accuracy of the information in my credit report. The discrepancies in reporting across the three credit bureaus may have violated the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ) - Requirement of Accurate Reporting. In addition, the reporting discrepancies may have violated Section 312 ( a ) of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires credit bureaus to provide consumers with accurate and up-to-date credit reports upon request.
XXXX XXXX Specifically, XXXX is reporting a charge-off status on my account, which is not accurate. I have never received any notification from them regarding this charge off account, and they have not provided any paperwork to support this claim. Furthermore, the other two credit bureaus are not reporting any negative information on my account.
As you are aware, the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information in a consumer 's credit report. XXXX 's failure to correct the reported charge-off status on the account with XXXX may have violated the FCRA 's Section 623 XXXX a ) ( 2 ) - Duty to Correct and Update Information. Additionally, Section 623 ( a ) ( 5 ) - Duty to Delete Obsolete Information requires that credit reporting agencies must remove outdated or erroneous information from a consumer 's credit report. If the charge-off status reported by XXXX is inaccurate or outdated, XXXXXXXX XXXX failure to delete this information may have also violated this provision.
XXXX XXXX Specifically, the payment status on the account has been reported as a charge-off, despite the fact that I have never received any notification from UPSTA/FINWSE regarding this charge-off account XXXX Furthermore, XXXX has failed to provide any paperwork to support this claim, and the other XXXX credit bureaus have not reported any negative information on my account.
Moreover, there are discrepancies in the payment information reported by the XXXX credit bureaus. XXXX and XXXX show a monthly payment of {$0.00}, while TransUnion reports a monthly payment of {$210.00}. The date opened on the account is also inconsistent across the XXXX credit bureaus, with XXXX and XXXX reporting XX/XX/XXXX, and TransUnion reporting XX/XX/XXXX. Finally, there is also a discrepancy in the last reported date, with TransUnion reporting XX/XX/XXXX, while XXXX reports XX/XX/XXXX and XXXX reports XX/XX/XXXX.
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ). Section XXXX ( a ) ( XXXX ) of the FCRA requires that credit reporting agencies must investigate and correct any inaccuracies in a consumer 's credit report brought to their attention. Additionally, Section XXXX ( a ) ( XXXX ) of the FCRA requires that credit reporting agencies must remove outdated or erroneous information from a consumer 's credit report. Furthermore, Section XXXX ( a ) ( XXXX ) of the FCRA requires that credit reporting agencies disclose the sources of information included in a consumer 's credit report upon request. If XXXX failed to provide this information, they XXXX have violated this provision.
In addition, the XXXX and Accurate Credit Transactions Act ( FACTA ) requires that each credit bureau must provide consumers with a free credit report at least once every 12 months upon request. These reports should be accurate and up-to-date. If the information reported by XXXX is inaccurate or outdated, they XXXX have violated this provision.
XXXX XXXX CO XXXX XXXX the credit bureaus, which is affecting my XXXX XXXX and causing significant financial difficulties in my life.
Specifically, I am concerned about the reported charge-off status on my account with XXXX, which has not been corrected despite my repeated attempts to address the issue with XXXX & CO XXXX I have never received any notification regarding this charge-off account, and XXXX & CO has XXXX XXXX XXXX any paperwork with me regarding this matter. Additionally, the other XXXX credit bureaus have not reported any negative information on my account, which further suggests that the charge-off status reported by XXXX XXXX be inaccurate or outdated.
This failure to correct and update the information on my credit report violates Section XXXX ( a ) ( XXXX ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate and correct any inaccuracies in a consumer 's credit report brought to their attention. Furthermore, the failure to delete this outdated information violates Section XXXX ( a ) ( XXXX ) of the FCRA.
In addition, XXXX XXXX CO XXXX XXXX to provide me with a free, accurate, and up-to-date credit report as required by Section XXXX ( a ) of the Fair and Accurate Credit Transactions Act ( XXXX ) is also a cause for concern.
XXXX XXXX ( Account number XXXX ). According to XXXX, I was reported as 90 days late on XX/XX/XXXX, but I have not missed any payments on this account. Additionally, there are discrepancies between the dates reported by the different credit bureaus regarding the account opening, last reported date, and last active date.
These inaccuracies have had a significant impact on my life. As a result of the false late payment report, my XXXX XXXX has decreased, making it difficult for me to obtain credit or secure loans. This has affected my ability to buy a house or a car, and it has also caused me to pay higher interest rates.
I believe that XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( XXXX ). FCRA Section XXXX ( a ) ( XXXX ) requires credit reporting agencies to investigate and correct any inaccuracies in a consumer 's credit report brought to their attention. If XXXX XXXX reported a XXXX late payment that did not occur, they XXXX have violated this provision.
FCRA Section XXXX ( a ) ( XXXX ) requires credit reporting agencies to remove outdated or erroneous information from a consumer 's credit report. If the dates reported by the credit bureaus regarding the account opening, last reported date, and last active date are inconsistent or inaccurate, XXXX XXXX 's failure to delete this information XXXX have violated this provision.
FACTA Section XXXX ( a ) requires credit bureaus to provide consumers with a free credit report at least once every 12 months upon request. These reports should be accurate and up-to-date. If the information reported by XXXX XXXX is inaccurate or outdated, they XXXX have violated this provision.
I am requesting that XXXX XXXX investigates and corrects the inaccurate information on my credit report. Additionally, I request that they remove any unverified accounts from my credit report.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 08/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I just received my investigation results. Experian report and saw some accounts were verified. However, I have a few questions : How did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. The Credit Bureaus stated that my account was properly investigated but how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate? This is grounds for removal.
One more thing, I was reading the FCRA and noticed you VIOLATED these laws along with my rights as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy.
15 USC 1681 Section 603 ( 3 ) ( E ) State ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 USC 1 [ 681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
15 USC 1681 ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX XXXX consumer, and natural person, am aware of all of the rights I have, which are protected by Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1. Account Name : XXXX, XXXX.
Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
2. Account Name : XXXX XXXX XXXX Account Number : XXXX USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
3. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
4. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
5. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
6. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
7. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
8. Account Name : XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
9. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
10. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
11. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
12. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
13. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
14. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
15. Account Name : XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
16. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
17. Account Name : XXXX XXXX Account Number : XXXX 15 USC 1681 Section 602 ( A ). States I have the right to privacy.
15 USC 1681 Section 604 ( A ) Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Delete this account immediately unless you want to be held liable for {$1000.00} per violation.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Statement 1 XXXX XXXX XXXX | Account # XXXX | Balance : {$960.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative collection off my credit report and any additional reflected documentation.
XXXX XXXX | Account # XXXX | Balance : {$230.00} In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX | Account # XXXX | Balance : {$2400.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$250.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. NOTE : This account was created WITHOUT MY written or expressed CONSENT. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
Statement # 2 Transunion XXXX XXXX | Account # XXXX | Balance : {$960.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative collection off my credit report and any additional reflected documentation.
XXXX XXXX | Account # XXXX | Balance : {$230.00} In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX | Account # XXXX | Balance : {$2400.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$250.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. NOTE : This account was created WITHOUT MY written or expressed CONSENT. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
STATEMENT # XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$960.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative collection off my credit report and any additional reflected documentation.
XXXX XXXXXXXX | Account # XXXX | Balance : {$230.00} In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX | Account # XXXX | Balance : {$2400.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$250.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. I did not give my permission for this account to be reported. NOTE : This account was created WITHOUT MY written or expressed CONSENT. Please take action to remove this negative closed off account on my credit report and any additional documentation reflecting the same.
INQURIES : ( Please remove for all three credit reporting agencies : XXXX, XXXX, Transunion ) XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
XX/XX/XXXX, XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
XXXX XXXX XXXX XXXX XXXX has violated my rights.15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account ( or inquiry ) to be reported without my written instructions. Please remove upon this notice.
NOTE : Please remove ANY subsequent inquires off my credit reports for XXXX, Transunion, and XXXX be it a HARD INQUIRY or SOFT INQUIRY from XX/XX/XXXX to XX/XX/XXXX as my write to privacy has been violated by these inquires reflecting negatively or my consumer credit report.
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| 04/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
Older American |
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PAGE 1 OF 2 State of New York ) County of XXXX XXXX ) ss. : I, XXXX XXXX. XXXX, being duly sworn, deposes and says that I am the person in this Statement Of Facts For Consumer Financial Protection Bureau ( hereinafter, CFPB ), Complaint, facts therein, and the foregoing subjects and matters. That I have read the foregoing Statement Of Facts For CFPB Complaint, and know its contents ; the same is true and correct to my knowledge, except as to those matters therein stated to be alleged on information and belief, and as to those matters, I believe it to be true.
I, XXXX XXXX. XXXX, declare and affirm under the penalties of perjury pursuant to the laws of New York State and 28 U.S.C. Section 1746, that the foregoing is true and correct.
1. That I am the person named in the foregoing Statement Of Facts For CFPB Complaint.
2. That I reside at : XXXX XXXX XXXX XXXX, XXXX . XXXX, XXXX XXXX, NY XXXX.
3. That the last four/4 digits of my Social Security Number are : XXXX.
4. That this Statement Of Facts For CFPB Complaint are to report/complain about, contest, etc., the refusal of XXXX XXXX XXXX , XXXX., XXXX XXXX XXXX, XXXX, TX XXXX, Tel. : XXXX,, Reference Number XXXX, Dated : XX/XX/2019, Tel. : XXXX ( hereinafter, XXXX, in the/its totality of the stated name, address, references/subject, author, telephone number ) ( see herewith attached as, Exhibit # 1 ) to send me a letter of deletion/deletion letter as regards the below stated/indicated/referenced, etc., denial of car/auto/automobile loan application as evidenced in XXXX above indicated letter, and for such loan application denial to be removed/expunged/nullified/voided/deleted, etc., from any and all Credit Report ( s ) Record ( s ), Credit Score ( s ), etc., relating/referenced to me, because XXXX decision was based on, executed, initiated, done by, etc., an unauthorized credit application executed, initiated, done by, etc., employee ( s ) at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( hereinafter, XXXX ).
5. That the foregoing Statement Of Facts For CFPB Complaint is/are required by TransUnion LLC, XXXX XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, and at TransUnion XXXX, Consumer Relations, XXXX XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, and TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX, Tel. : XXXX, for the purpose ( s ) of having TransUnion ( FOOTNOTE 1/ ) remove/expunge/nullify/void/delete, etc., XXXX said denial of credit application from my Credit Report ( s ), Record ( s ), Credit Score ( s ) because XXXX denial of credit application adversely, negatively, detrimentally, etc., effects my Credit Report ( s ), Record ( s ), Credit Score ( s ) and other matters, subjects, issues, etc., as regards my financial status, standing, etc.
6. That on XX/XX/2019, I went to XXXX for the purpose of trading my automobile to XXXX and purchasing an automobile from XXXX ; and, at the beginning of the business process, I explicitly, clearly, plainly, etc., stated to, informed the XXXX employee ( s ), customer sales representative ( s ), etc., responsible for executing, initiating, doing, etc., credit applications for automobile loans that my present automobile loan was financed by XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, and that I had already planned on, was going to get and had already made arrangements to get, secure, etc., my new, future automobile loan from XXXX XXXX, XXXX, and that they were to contact XXXX XXXX XXXX and speak with personnel there, particularly, Mr. XXXX XXXX, Supervisor/Manager, as regards XXXX XXXX XXXX, undertaking any/the future automobile loan application, and any/the actual automobile loan, because I had spoke with XXXX XXXX XXXX employees and Mr. XXXX and arranged for XXXX XXXX XXXX to issue, administer, secure, etc., my/the future, actual automobile loan for my future car, in that XXXX XXXX XXXX had informed me that I would receive a discount on my/the future automobile loan because I was a customer/client, etc., in good standing.
7. That the XXXX employee ( s ), etc. did not contact XXXX XXXX XXXX, and ignored, disregarded, etc., my statements, directions, etc., to them as set forth in paragraph 6, above ; and, the XXXX employee ( s ), etc., instead initiated, executed, etc., a loan application with/to XXXX ; and, during the business process ( FOOTNOTE 1/ : THE CREDIT REPORTING BUREAU ( S ) ( SIMILAR, AKIN TO, LIKE, ETC. TRANSUNION, SUCH AS/OF XXXX, XXXX, AND XXXX , XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, TEL. : XXXX, ARE ALSO INVOLVED IN THIS MATTER AND SHOULD ALSO BE DIRECTED TO EXPUNGE, DELETE, REMOVE, ETC., THE UNAUTHORIZED LOAN/CREDIT APPLICATION ( S ) OF SUBJECT IN THIS COMPLAINT. ) STATEMENT OF FACTS FOR CFPB COMPLAINT PAGE 2 OF 2 ( paragraph 7, continued ) XXXX employee ( s ), etc., informed me that said loan application was denied.
8. That on or about XX/XX/XXXX, I received Exhibit # 1, via U.S. Postal Service, regular mail.
9. That on XX/XX/2019, XXXX XXXX to XXXX XXXX, I contacted XXXX by telephone, and explained to, informed an employee of the material and relevant facts of XXXX employee ( s ), etc., initiating, executing, etc., the car/auto/automobile loan application of subject and that I did not authorize such loan application, that it was unauthorized by me as set forth in paragraphs 6 and 7, above, and requested and informed XXXX that they should take the appropriate actions to remove, delete, expunge, etc., XXXX credit denial ; and, XXXX informed me that they could do nothing about the unauthorized credit application and/or their credit denial ; and, that I had to contact TransUnion and TransUnion would remove, delete, etc., the unauthorized credit application entry and credit denial from my Credit Report ( s ), Record ( s ), Score ( s ) ; and, XXXX refused to take any other action, that is, generate and send me a letter of deletion, deletion letter as regards the unauthorized automobile loan application of subject.
10. That on or about XX/XX/2019, between the hours of XXXX XXXX and XXXX XXXX ( DST ), I contacted TransUnion XXXX, Consumer Relations, XXXX. XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, I was directed by a TransUnion Supervisor, at to undertake this action, that is, file this XXXX XXXX XXXX Police Department Report/Complaint against XXXX in order to have TransUnion remove/expunge/nullify/void/delete, etc., the above indicated unauthorized loan application and credit denial of subject from any and all Credit Report ( s ), Record ( s ), Score ( s ), etc., relating/referenced, material and relevant, etc., to me.
11. That on XX/XX/2019, I received a letter from XXXX, dated XX/XX/2019, Re : Request for Statement of Specific Reasons. ( See, Exhibit # 2. ). I did not request XXXX for a Statement of Reasons as to why the unauthorized credit/ auto/vehicle loan application was denied. As stated in full, above, I requested XXXX to generate, furnish, etc. a deletion letter because the credit/auto/vehicle loan application was unauthorized initially, from the outset, beginning, etc. XXXX XX/XX/2019 letter did not address and/or attend to, remedy, fix, etc., the material, relevant, pertinent, etc., matter of subject herein this complaint. XXXX did not send me a deletion letter. XXXX has for all intents and purpose, actually and constructively refused to remove, expunge nullify, etc., the unauthorized credit/auto/vehicle loan application made by XXXX on XX/XX/19.
12. That pursuant to, but not limited to the Federal Fair Credit Reporting Act, Federal Equal Credit Opportunity Act, Consumer Credit Protection Act, and all relevant and applicable laws, rules, regulations, policies of The Bureau of Consumer Financial Protection, and all codified Federal and New York States and all other States of the United States of America Laws, Statutes, Rules, Regulations and Policies the above UNAUTHORIZED CAR/AUTO/AUTOMOBILE LOAN APPLICATION AND CREDIT DENIAL IN EACH AND EVERY PART, AND IN THEIR TOTALITY MUST BE REMOVED/EXPUNGED/NULLIFIED/VOIDED/DELETED FROM ALL RELEVANT/MATERIAL, APPLICABLE CREDIT RECORDS AND/OR REPORTS THAT RELATE AND/OR PERTAIN, ETC., AND/OR ARE RELATED IN ANY WAY, SHAPE, MANNER, FASHION OR FORM TO ME, XXXX XXXX. XXXX , AND MY CREDIT SCORE RETURNED/RE-SET/RE-CALCULATED/FIXED/RE-CALIBRATED, ETC. TO ITS FORMER/PREVIOUS NUMBER OF XXXX.
________/s/_________________________________ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Executed on : XX/XX/2019 I, XXXX XXXX. XXXX, declare and affirm under the penalties of perjury pursuant to the laws of New York State and 28 U.S.C . Section 1746, that the foregoing is true and correct.
____________/s/___________________________ XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Sworn to before me this ______ day of ______________, XXXX_____.
____________/s/_________________ Notary Public XXXX XXXX / Notary Public-State of New York/NO. XXXX
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| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX. XXXX, XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
9. XXXX XXXXL Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
10. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
11. XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of XXXXdentity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX , XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX XXXX
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO
THEREAF TER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. NOTICE OF PENDING LITIGATION SEE
KING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also be
come part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixi
ng up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes. 3. My rights under the fair credit repo
rting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or ot
her transactions. Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable. Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me
( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. )
Financial Injury My contact information is as f
ollows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. The following personal information is incorrect Account XXXX : XXXX, XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX - This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX -This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Fi
nancial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXXXXXX XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXXXXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXX - XXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
XXXX XXXX XXXXXXXX - FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I DO NOT VALIDATE THIS DEBT - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY.
Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
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| 06/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing to bring to your attention the numerous violations of federal laws committed by Trans Union, one of the major credit reporting agencies, and XXXX XXXX XXXX XXXX XXXX. It is deeply concerning that these entities have failed to adhere to the regulations set forth by the Fair Credit Reporting Act ( FCRA ) and other relevant federal laws. I have documented evidence to support these claims, which will be attached to the official complaint filed with the Consumer Financial Protection Bureau ( CFPB ).
I. Failure of Accurate Investigation by Trans Union Trans Union has egregiously failed to conduct a thorough and accurate investigation into my consumer dispute, as mandated by Section 611 of the FCRA ( 15 U.S.C. 1681i ). Despite providing them with all the necessary information and evidence, they have not diligently addressed my concerns and have instead misrepresented the facts. This lack of due diligence demonstrates their disregard for the FCRA 's requirement to ensure accurate and fair credit reporting.
II. Misrepresentation to the CFPB Trans Union has deliberately misrepresented facts and provided false information to the CFPB during their investigation into my complaint. This deceptive behavior not only undermines the integrity of the investigative process but also violates Section 615 of the FCRA ( 15 U.S.C. 1681m ), which prohibits credit reporting agencies from knowingly providing inaccurate information to consumer reporting agencies.
III. Violations of the FCRA by Trans Union Trans Union has consistently failed to abide by several provisions of the FCRA, thereby compromising the rights of consumers. The following are some of the specific violations : a ) Failure to provide accurate and complete information in consumer reports : Trans Union 's failure to provide accurate and complete information directly contravenes Section 607 ( a ) of the FCRA ( 15 U.S.C. 1681e ( a ) ), which mandates the maximum possible accuracy of consumer reports.
b ) Negligence in conducting timely investigations and resolving disputes : The failure of Trans Union to conduct timely investigations and resolve disputes violates Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), which requires credit reporting agencies to complete investigations within 30 days of receiving a consumer dispute.
c ) Inadequate procedures to ensure maximum possible accuracy of consumer information : Trans Union 's failure to implement adequate procedures to ensure maximum possible accuracy of consumer information is a violation of Section 611 ( b ) of the FCRA ( 15 U.S.C. 1681i ( b ) ).
e ) Lack of reasonable procedures to verify the accuracy of information provided by data furnishers : Trans Union 's failure to implement reasonable procedures to verify the accuracy of information provided by data furnishers violates Section 611 ( a ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) ).
f ) Inaccurate reporting and failure to correct inaccurate information upon notification by consumers : The inaccurate reporting by Trans Union and their failure to correct inaccurate information upon notification by consumers are violations of Section 611 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 2 ) ).
XXXX XXXX XXXX XXXX XXXX 's Violations of the FCRA : XXXX XXXX XXXX XXXX XXXX, as a data furnisher, has also violated several provisions of the FCRA. Notably, they failed to provide me, as a consumer, with a timely and accurate letter regarding the status of an account. This violation directly contravenes Section 623 ( a ) ( 8 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 8 ) ), which requires data furnishers to provide accurate and complete information to consumer reporting agencies.
Furthermore, XXXX XXXX XXXX XXXX XXXX 's letter contained an incorrect spelling of my name and an inaccurate address with the wrong state. This discrepancy in personal information not only violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ), which mandates the accuracy of consumer information, but it also infringes upon Section 611 ( a ) ( 2 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 2 ) ), which requires credit reporting agencies to correct inaccurate information upon notification by consumers.
By failing to submit a timely and accurate letter, XXXX XXXX XXXX XXXX XXXX has violated the FCRA and has neglected their obligation to provide consumers with necessary and accurate information regarding their accounts.
In light of the aforementioned violations, I kindly request the Consumer Financial Protection Bureau to thoroughly investigate these matters and take appropriate enforcement actions against Trans Union and XXXX XXXX XXXX XXXX XXXX. These violations have had a significant impact on my rights as a consumer and have caused considerable harm to my creditworthiness and financial well-being.
I have attached all relevant supporting documentation to substantiate these violations. Thank you for your attention to this matter, and I trust that the Consumer Financial Protection Bureau will take swift action to rectify these violations and safeguard the rights of consumers.
I. Inaccurate Reporting of Repossession by Trans Union Trans Union has erroneously reported a repossession on my credit report, despite there being no late payments in the seven-year history of my account with XXXX XXXX XXXX XXXX XXXX XXXX This violation directly contravenes Section 623 ( a ) ( 1 ) ( C ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( C ) ), which requires data furnishers to report accurate and complete information to credit reporting agencies. The inaccurate reporting of a repossession without any late payments or voluntary repossession raises serious concerns about the integrity of Trans Union 's credit reporting practices.
II. Incorrect Balance Reporting by Trans Union and XXXX XXXX XXXX XXXX XXXX Both Trans Union and XXXX XXXX XXXX XXXX XXXX have reported an incorrect balance on my account. This violation violates Section 623 ( a ) ( 1 ) ( B ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ) ), which mandates the accurate reporting of consumer account information. The inaccurate balance reported by these entities misrepresents my financial obligations and adversely affects my creditworthiness.
III. Discrepancies in Reporting among XXXX XXXX XXXX It is worth noting that the other XXXX major credit reporting agencies have already deleted the account in question from my credit report, recognizing the inaccuracies and discrepancies reported by Trans Union. This further emphasizes Trans Union 's failure to comply with Section 611 ( a ) ( 5 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 5 ) ), which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information and delete inaccurate or unverifiable information.
Inaccuracy of Reported Account : Despite being listed as a co-buyer on this account, my signature is missing on the relevant state documents, including the bill of sale and reassignment of certificates of ownership. As a co-buyer and partial owner, it is crucial for my signature to be present on these documents. The absence of my signature raises concerns about the accuracy and legitimacy of the reported ownership and financial responsibility.
Violations of FCRA Sections : a ) Section 611 ( a ) ( 5 ) : This provision mandates that credit reporting agencies, such as Trans Union, conduct a reasonable investigation when a consumer disputes the accuracy of reported information. I have provided sufficient evidence to substantiate my claim of inaccuracy, and it is imperative that Trans Union initiates a thorough investigation into this matter.
b ) Section 623 ( a ) ( 2 ) : According to this section, data furnishers, including XXXX XXXX XXXX XXXX XXXX, are obligated to provide accurate and complete information to credit reporting agencies. As a co-buyer, I assert that the reporting of this account without my valid signature on the necessary state documents constitutes a violation of this provision.
I would also like to emphasize that the inaccurate reporting of this account has had a detrimental impact on my creditworthiness and financial standing. In light of the FCRA violations outlined above, I anticipate prompt resolution and deletion of the disputed account from my credit report.
Enclosed with this letter are copies of relevant documentation supporting my dispute, including proof of my co-buyer status and any other relevant information.
I expect written confirmation from Trans Union within 30 days of receiving this letter, acknowledging the initiation of an investigation and providing an update on the progress of resolving this dispute. Failure to comply with the FCRA and rectify this matter may result in further legal action, including filing complaints with the appropriate regulatory bodies and seeking legal remedies.
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| 03/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
Servicemember |
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On XXXX XX/XX/XXXX, my husband contacted XXXX XXXX to find out why they hit his credit report as being more than 30 days late for both the month of XXXX and XXXX of XXXX for our mortgage. During XXXX we were selling our home in Hawaii. The payment was made for each and every month on time and the company was paid in full for our loan in the beginning of XX/XX/XXXX. Below is the email he sent to their customer service department : I got a credit report that stated that I was delinquent on my payment. It is now a hit on my credit. This was posted on XX/XX/XXXX. The issue I have with this is that we sold the property in question and it was finalized on XX/XX/XXXX. When I called to ask about it, I was told since you are no longer servicing the loan, I have to email to get answers about it. If you are no longer servicing the loan, why was it reported as delinquent? I was also told that it could take up to 5 days before I get an email response, and that is even more time where this negative hit on my credit stays. I need to have this corrected as soon as possible.
My name is XXXX. The property in question is XXXX.
My husband never received a response to his inquiry. On XXXX XX/XX/XXXX, I also contacted XXXX regarding the same issue for my own credit report. They directed me to submit an email through their customer service ( XXXX ). Below is the email I submitted : To whom it may concern, Account # : Our Names : Property Address : I had received a letter in the mail stating that my mortgage company had sold our mortgage to another company. In this letter it stated if we were doing automatic withdraws, there was nothing we needed to do on our part. At the same time, my husband and I were in the process of selling this home as I am in the XXXX and we had to PCS ( Permanent Change of Station ) to XXXX XXXX ( updated address included below ), and we could no longer afford the home. We continued paying our mortgage through automatic withdraws, but for some reason we now have derogatory or negative comments on our credit report. This is affecting our score and we are trying to gain a new home loan and are unable to. Attached is a picture saved in two different formats as I do not know which way you can or can not open it. If you could please fix this as far as our credit report is concerned, we would greatly appreciate it. Thank you so much for your time.
Current address : V/R, My Name I received the following response from XXXX XXXX through their encryption secured portal on XXXX XX/XX/XXXX : Upon review of the credit reporting submissions, it was determined that it is accurate. However, if you have credit reports reflecting information that you believe to be inaccurate, we respectfully recommend that you submit a dispute with the credit reporting agencies directly. In order to avoid adverse credit reporting, payment must be received by the last day of the month in which it is due. If a payment is not received within the specified time frame, XXXX may report the account as delinquent for that specified month. Please keep in mind, according to the terms of the original mortgage agreement, installments were due on the first day of each month, and if not received on or before that date, the account was contractually late. However, you had a grace period of fifteen ( 15 ) calendar days after the due date to remit your payment before late charges were assessed to the account.
I replied back to this on the same day stating that I did not understand why we were still being reported as late as we had paid everything as already stated? I never received a response back from this request. When I went back into their secure portal to pull this particular email it was no longer available. I called XXXX XXXX to find out why I could no longer access this and was told that after 25 days it is considered expired and I can no longer access it. That being said, they can and I requested a copy to be sent to me. As of this correspondence, I have yet to receive it. I waited to receive a reply and on XX/XX/XXXX my husband and I contacted XXXX XXXX again and we were directed to send another email through their customer service and submit documents showing that we paid and that we were hit twice as the manager we talked to agreed we should not have been hit twice as they were paid on time in full in XXXX, regardless of what XXXX had to say. I submitted the following email on XXXX XX/XX/XXXX : To whom it may concern, Per the conversation that was had over the phone, I am providing documents showing where your company hit my husband and my credit report two months in a row. I am also providing documentation showing that we paid our mortgage for the month of XXXX, when the money was pulled, and where it was sent to via banking statements. As it was an online payment, there is no address for where the money was sent to. In the banking statement for XXXX, I highlighted where it shows the money was pulled out. I am unsure what format you are able to open pictures so I have attached i in JPEG format and GIF File. The banking statement is in PDF format. Thank you so much for your help in this matter.
My Name On XXXX XX/XX/XXXX I received another reply from XXXX XXXX stating the following : Upon review of the account, on XX/XX/XXXX, XXXX received payoff funds in the amount of {$410000.00}, and on the same day, the account was paid in full. Further examination of the account confirms the XX/XX/XXXX contractual installment was not remitted ; therefore, the account was 30 days delinquent at payoff. Please be advised, credit reporting is submitted in arrears, as such, credit reporting that was submitted on XX/XX/XXXX represents the account status for the month of XX/XX/XXXX. Upon review of the credit reporting submissions, it was determined that it is accurate.
However, if you have credit reports reflecting information that you believe to be inaccurate, we respectfully request that you forward legible copies of the following so that it can be researched : front and back copies of cancelled checks, complete bank statements, and/or other documentation supporting your request. Upon receipt of these items, we will research the account and notify you in writing of the results. Please note that XXXX complies with the Fair Credit Reporting Act by reporting payments as received.
They also included several documents to include a document on XXXX XX/XX/XXXX that was sent on XXXX XX/XX/XXXX that was supposed to be in regards to my husbands inquiry from XXXX XX/XX/XXXX. This being said, my husband never received anything in the mail from XXXX and the reply in question was sent to my email and not my husbands. They also sent the letter from XXXX XXXX XXXX that states If your payments are being automatically drafted from your checking or savings account, this service will continue, thus confirming what I stated in my original email to them I had received a letter in the mail stating that my mortgage company had sold our mortgage to another company. In this letter it stated if we were doing automatic withdraws, there was nothing we needed to do on our part. Once receiving this, I sent them the following reply : As stated in the letter from XXXX XXXX XXXX and I have said in a previous email it states in the third paragraph, second sentence " If your payments are being automatically drafted from your checking or savings account, this service will continue ''. As you state in your latest reply we continued to pay to XXXX as that is what was we were told to do in the letter from XXXX XXXX XXXX. My husband and I never received a letter stating that we needed to change who our automatic withdraws need to be paid to. You also state that we have until the end of the month to pay our mortgage before being reported late. As noted in my bank account, in XXXX, we paid. XXXX you were paid in full and has been acknowledged by employees and managers within the XXXX customer service department. We were reported to the credit bureaus as delinquent for both months. Due to your lack to address the documents I have submitted and what you have sent me, along with your lack of responding to my request through your secure portal on XX/XX/XXXX stating that I did not understand why I am still being reported late for both XXXX and XXXX since you were paid in full, I am now submitting a complaint to the Consumer financial protection bureau. You have been most unhelpful.
V/R, My Name I will upload all documents mentioned in this statement. I would also like CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. I further allow them to take steps to remove personal information from this description but realize someone may still be able to identify me. I consent to publishing this description after CFPB has taken these steps. I do not know why, but I could not select the box stating all of this.
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| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Dear TRANSUNION, XXXX, and XXXX My information was exposed in a Caresource data breach The Accounts Below Violate My Rights and the FCRA!!! DELETE IMMEDIATELY, OR I WILL TAKE LEGAL ACTION AND FINE YOU {$1000.00} FOR EACH VIOLATION IN COURT!!!
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF ASAP.
THESE ARE FCRA VIOLATIONS, AND I DEMAND ALL CREDIT BUREAUS TO UPDATE MY INFORMATION IMMEDIATELY TO, OR ELSE I WILL FINE YOU {$1000.00} PER FCRA VIOLATION!!!
BELOW ARE THE XXXX XXXX THAT YOU XXXXXXXX XXXX BROKE AND YOU NEED TO REMOVE THIS STUFF FROM MY REPORT NOW!
Fair Credit Reporting Act ( FCRA ) : The FCRA regulates credit reporting agencies and requires them to ensure that the information they report is accurate and up-to-date. If a consumer disputes an item on their credit report and it is found to be inaccurate or outdated, the credit bureau is required to remove it.
Fair Credit Billing Act ( FCBA ) : The FCBA provides protections for consumers who dispute billing errors on their credit card statements. If a billing error is found, the creditor is required to correct it and update the credit reporting agencies.
Fair Debt Collection Practices Act ( FDCPA ) : The FDCPA regulates the practices of debt collectors and prohibits them from engaging in abusive, deceptive, or unfair practices. If a debt collector violates the FDCPA, the consumer may be able to seek damages and have the negative information removed from their credit report.
Uniform Commercial Code ( UCC ) : The XXXX provides guidelines for transactions involving goods and commercial transactions, and protects consumers from unfair business practices. The XXXX also provides remedies for consumers who have been harmed by these practices.
Consumer Financial Protection Bureau ( CFPB ) : The CFPB is a federal agency that oversees financial institutions and enforces consumer protection laws. The CFPB has the authority to investigate and take action against entities that violate consumer protection laws.
State Consumer Protection Laws : Many states have their own consumer protection laws that offer additional protections to consumers. For example, some states have laws that regulate credit reporting agencies and require them to remove inaccurate information from credit reports.
The Accounts Below Are 1000 % FCRA Violations and NEEDS TO BE FULLY REMOVED FROM MY TRANSUNION AND XXXX CREDIT REPORT, OR there WILL BE SOME XXXX LEGAL ACTION BEING TAKEN!!!! THESE ACCOUNTS ARE INACCURATE, AND ACCORDING TO THE FCRA, THAT IS XXXX XXXX!!!! SO, REMOVE THE ACCOUNTS LISTED BELOW NOW!!!!!
Re : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Listen up, because I'm about to unleash a torrent of legal wrath upon you. I want to make it abundantly clear that I won't tolerate your sloppy work and flagrant disregard for the law. Under the hallowed authority of FCRA, Section 611, I demand that my credit report be a paragon of accuracy, completeness, and appropriateness. This is non-negotiable.
I hereby request, nay, demand that you promptly furnish me with all the information necessary to review my credit report. It is your duty to ensure that every single piece of data is in line with the stringent requirements set forth by the FCRA. If you think for XXXX second that I will accept anything less, you've got another thing coming.
Now, let 's be clear. If you're too lazy, inept, or simply too ignorant to gather the required information, then do the bare minimum and reopen my dispute. However, this time, I demand that you actually conduct a thorough and proper investigation. No half-hearted attempts or shoddy workmanship will be tolerated. I won't stand idly by while you trample over my rights and tarnish my creditworthiness.
I expect, no, I demand a swift and timely response from you, outlining the precise steps you will take to rectify this gross injustice. Don't even think about stalling or brushing me off, because I won't hesitate to invoke my rights under FCRA, XXXX XXXX. That's right, I will take legal action against you and expose your despicable practices for the world to see.
Furthermore, I'll have you know that I am well-versed in the consumer laws that protect me from the likes of you. I have the FCRA, the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and a host of other deeply-rooted statutes firmly on my side. So don't underestimate me or think for a moment that I won't back up my words with formidable legal action.
In fact, let 's delve into the XXXX XXXX XXXX XXXX XXXX ) while we're at it. XXXX assured, I have studied and internalized its provisions, and I am ready to wield its mighty arsenal against your flagrant violations. I will hold you accountable under XXXX Sections XXXX, XXXX, XXXX, and XXXX, just to name a few. Your unlawful actions will not go unpunished.
Let this be a final warning : correct the erroneous information on my credit report immediately, or face the full fury of the law. I will not back down, I will not be silenced, and I will not rest until justice is served. The choice is yours, credit bureau. Do the right thing or prepare to face the consequences of your malevolent actions.
The inquiry was not authorized Please remove this inaccurate information from my credit report.
Yours unyieldingly, XXXX XXXX WHEN DONE WITH YOUR INVESTIGATION, I WILL NEED A FULL UPDATE SENT BACK TO ME FROM XXXX TRANSUNION AND XXXX I am looking for a lawyer to represent me in suing Caresource out of XXXXXXXX XXXX for exposing my information in a XXXX data breach. Please call me at XXXX.
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| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request to the Credit reporting Agencies that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
XXXX XXXX XXXX XXXX : {$940.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Otherwise remove immediately.
XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. If not, remove from my Credit file.
XXXX XXXX XXXX : {$0.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Otherwise remove from my Credit File.
XXXX XXXX XXXX : {$0.00} - Never late on this account. Records reflect 120 late without a preceding 30 or 60 days mark. This is a massive error. Investigate all records and verify all details are truly accurate including address name spelling etc. Please remove all negative marks or remove from my Credit Report.
XXXX XXXX XXXX : {$0.00} - There are many inaccuracies with this account. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the Federal Deposit Insurance Act of 1950! Provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately.
XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Have this erroneous account removed from my Credit file.
XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance AcXXXX. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Otherwise remove immediately.
XXXX XXXX Balance : {$0.00} - An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. If not, remove from my Credit file.
XXXX XXXX XXXX : {$0.00} - This account currently reports information illegally. An account having a status of 120 days late is already a charge off account under the Federal Reserve and Federal Insurance Act, and yet you continued to mark this account as 120 days late. I request a thorough investigation and an update must be made with lawful accuracy. Otherwise remove from my Credit File.
XXXX XXXX XXXX : {$0.00} - Never late on this account. Records reflect 120 late without a preceding 30 or 60 days mark. This is a massive error. Investigate all records and verify all details are truly accurate including address name spelling etc. Please remove all negative marks or remove from my Credit Report.
XXXX XXXX XXXX : {$0.00} - There are many inaccuracies with this account. It is deceptively reporting a current status of 120 days late when the account hasnt been updated in years! In fact, the statute of limitations has expired per the Federal Deposit Insurance Act of 1950! Provide me with proof of payment history. Investigate and correct the misinformation. Otherwise, delete immediately.
XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. It seems impossible to accrue late on an account that has already been paid. Have this erroneous account removed from my Credit file.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look at how this account reports and immediately adjust all lates to reflect the correct status. If not, remove right away.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate and adjust the situation as necessary to represent it correctly. Remove from my credit report if not.
XXXX XXXX XXXX : {$0.00} - This account currently publishes information without permission. Despite the fact that an account with a status of 120 days past due is already a charge off account under the Federal Reserve and Federal Insurance Act, you continued to indicate that it was 120 days past due for consecutive months. I want a complete investigation and that an update be given legally and accurately. Remove off my credit file if not.
XXXX XXXX XXXX : {$0.00} - Always on time on this account. Records show 120 late without a 30 or 60 day prior mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please expunge my credit report of all negative information.
XXXX XXXX XXXX : {$0.00} - This account contains a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and correct it. If not, delete right away.
XXXX XXXX XXXX : {$0.00} - Since they have previously been paid for, this account shouldn't be showing the present status of 120 days late. It would appear impossible for late fees to be accumulated on a paid-in-full account. Correct this account immediately or remove from my Credit file!
XXXX XXXX XXXX : {$0.00} - Always on time on this account. Records show 120 late without a 30 or 60 day prior mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please expunge my credit report of all negative information.
XXXX XXXX XXXX : {$0.00} - This account contains a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and correct it. If not, delete right away.
XXXX XXXX XXXX XXXX Balance : {$0.00} - This account was paid through my bankruptcy. Continued reporting is classified as a Discharge Violation of the Automatic Stay by Order of federal court. Remove immediately.
XXXX XXXX XXXX XXXX Balance : {$0.00} - This account has been transferred and this company no longer owns it, can they report this information? Answer is : No. This account was also included in bankruptcy and they can not claim I owe them this or any other amount. You need to correct the current status to say : Included in Bankruptcy and remove all the negative information immediately.
XXXX XXXXXXXX XXXX Balance : {$800.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
|
| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX XXXX have given to XXXX XXXX and TransUnion on any of my consumer report to provide and exchange any information to each other.
TransUnion is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name Acoount Number XXXX XXXX XXXX - DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent TransUnion a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX anymore they have sold the account to a collection agency XXXX XXXX XXXX ) WITHOUT MY KNOWLEDGE OR PERMISSION. XXXX XXXX is reporting incorrect across all 3 credit reporting agencies XXXX, TransUnion, XXXX TransUnion say I opened account on XXXX. XXXX DELETED this account indefinitely and XXXX says I opened account on XXXX. XXXX. The balances are being reported incorrectly TransUnion and XXXX says XXXX. XXXX is a reporting XXXX. This account is being reported incorrectly across all credit reporting agencies XXXX, Trans Union, XXXX with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, TransUnion is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX or TransUnion, the permission Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. TransUnion is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. TransUnion IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX or TransUnion to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. TransUnion and XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice TransUnion and XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that TransUnion and XXXX XXXX is abusing and violating.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully, XXXX XXXX
|
| 08/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Comes Now XXXX XXXX XXXX SURI JURIS a natural living being of majority status conducting the style of The Principal and Beneficial Equitable Title Holder, and not an infant/minor, hereinafter Complaint. As such we are exercising as well as retaining and reserving all rights, natural, private commercial, incorporeal or otherwise and does tender this claim and makes the claim that the tender was special deposited on the accounts receivable books of this venue, via the respondents commercial filings and/ or other deposits into the costs registry, who by their own admission of the complaint showing or causing to show existence of qualified endorsement. The Respondents and or their attorneys where allowed sixty days to provide proof that they loaned the woman and her Infant trust MONEY. They have failed to do so. More over they XXXX XXXX must have by now provided proof and evidence to all parties including the Infant Trust and the woman XXXX XXXX XXXX on behalf of the Infant Trust. Therefore the disputes the above " status '' in connection with this " name, '' XXXX XXXX or such the like must have produced a photocopy of all documents being held-in- due-course, ( see U.C.C. 3-305.52 ), that create the explicit legal disability to the claimed Sui Juris status or standing relating to the " name '' - XXXX XXXX XXXX on behalf of the infant trust XXXX XXXX . They have failed to do so.
THE REPORTING IS DONE IN ACTIONS OF DISCRIMINATION - Preventing life liberty and the pursuit of happiness! To protect and enforce right to property the object of suits in chancery. the term property, as used in this section, includes that is the subject of exclusive individual ownership ; or, to be more specific, includes not only lands, houses, goods and chattels, rights and credits, but, also, a mans person, and his wife and minor children, and his right to work, and to sell and acquire property, and engage in any lawful business, and his and their reputation, health and capacity to labor, and his and their right to enjoy the senses of sight, smell hearing taste, and his and their right of speech and locomotion, and his and their right to enjoy their sense of moral propriety when normal.
As men live by their labor and property, no man is presumed to part with either without receiving or expecting and equivalent in value. Hence, whenever one person has obtained either the labor or property of another he should pay or account therefor, unless he can prove it was a gift, and so, whatever injury one person does to anothers property or capacity to labor should be made good whatever injury one person does to anothers property or capacity to labor should be made good in the amount of foreclosure and other damages loss of wages etc, .. current value. Senate Report 93-549, XX/XX/XXXX ; Public Law 94-112 - XX/XX/XXXX and 7 CFR 1901.508.
The reporting is and was to purposefully damage the complainant credit presenting her the woman from living a great life filed with equality. The Bank was deleted from my account as of XX/XX/XXXX as stated my accounts with XXXX XXXX was closed and in good standings please see attachments or Exhibits. On XX/XX/XXXX they reneged and stated that the account [ s ] were closed on XX/XX/XXXX by the Credit Grantor [ s ] which is whom? I am the lender not XXXX XXXX and they have failed to provided proof of this status and position.
I request that the credit reporting agencies delete and block XXXX XXXX from filing fraudulent information in my name and on my accounts within. As shown within the Exhibits the Respondents are in error and must correct these errors by way of deletion and blocking XXXX XXXX from filing this every month and or quarterly as they are attempting to prevent me from future purchases and credits within my own funds and trust.
Bill of Rights No person [ to include infants/minors ] property shall be taken, damaged or destroyed for or applied to public use without adequate compensation being made, unless by the consent of such person, and, when taken, except for the use of the State, such compensation shall be first made, or secured by deposit of money. The credit bureaus have taken the word of XXXX XXXX and have refiled fraudulent information with two different account numbers ending in XXXX claiming and alleging an alleged debt in the amount of {$2600.00} and the other account ending in XXXX with the same amount of {$2600.00} The Complainant is a XXXX, - within the jurisdiction of XXXX also known as XXXX XXXX, shared with the United States Of America a corporation within the treaty of this land created by our forefathers and ancestors. XXXX, from the XXXX the XXXX XXXX, with former languages within XXXX and XXXX from the XXXX and such the like not similar thereto our associates XXXX and similar former nations alike. We are Americans by birth and please see our nativity records attached, for such is and was declared as mosulem [ s ] not the same as XXXX. Within the 48 original Republic States herein this land.
CASE LAW - BANKS CANT LOAN MONEY- [ 1. ] XXXX XXXX XXXX XXXXXXXX XXXX vs XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Banks can not loan money from a ledger and if they loaned the Plaintiffs or complainant money or funds, where did the funds money or loan come from?
According to the reports online and via your agency, XXXX XXXX, have all loaned money to my INFANT TRUST ACCOUNT by way of a ledger or accounting. You have only shown me ledgers and or accounting which are one in the same and according to the XXXX XXXX DECISION no Bank can loan a human being money from a alleged ledger or accounting records. What value does the loan or funds have and according to XXXX XXXX XXXX v. XXXX XXXX, XXXX XXXX XXXX, XXXX N.W. XXXX. The Jury found that there was no consideration and I agree. Only XXXX can create something of value out of nothing.So XXXX XXXX XXXX was created by XXXX [ XXXX ] she is value. If the Infant Trust Account is in the name or similar thereto XXXX XXXX XXXX it has value! What value does a Banks Ledger have in the Real World? We do not address the situation where the mortgage and note are truly held by different parties. See, e.g., XXXX v. XXXX, XXXX Me. XXXX, XXXX, XXXX A. XXXX, XXXX XXXX XXXX ) ; XXXX v. XXXX, XXXX Me. XXXX, XXXX, XXXX A. XXXX, XXXX XXXX XXXX ) ; XXXX XXXX XXXX, XXXX Me. XXXX, XXXX ( XXXX XXXX, XXXX XXXX claims to be the Servicer and Lender whereas XXXX XXXX XXXX is listed as Lender & Beneficiary! How is this possible to have three different parties within the same credit with similar and different functions? Please advise where did you loan money from? What Currency was used to loan the funds?
DECALRATION XXXX, woman, XXXX XXXX XXXX am a living breathing human being and represent in the flesh living breathing persons of WE THE PEOPLE. Claimant XXXX XXXX XXXX has appeared before this venue and or court [ s ] as SURI JURIS and or In Pro Per as a woman XXXX XXXX XXXX as a woman XXXX XXXX XXXX XXXX on behalf of the Infant Trust XXXX XXXX XXXX whom is a living breathing XXXX XXXX [ Ministers ] not corporations, therefore Complainant are within her rights to claiming all rights guaranteed to them by the Nevada Constitution of the Of Americas and the US CONSTITUTION of AMERICA. i, woman XXXX XXXX XXXX an American Nationalist. Please be advised, I dont do Attorneys as I have found them to be injurious to my freedom, life, liberty and pursuit of happiness. I as woman under my husband : XXXX : XXXX reserve all rights at all times in all places and we waive no rights at any time or in any place. I do waive benefit privilege, without recourse! XXXX : XXXX and : XXXX : XXXX, a woman in flesh and blood, a man in flesh and blood and have obtained the age of majority. I am a Sovereign in this venue and jurisdiction and i don't concede nor give consent for any removals and or goods being used from the said infant XXXX XXXX, in my incorporated name XXXX XXXX within the jurisdiction of XXXX also known as XXXX XXXX, shared with the United States Of America a corporation within the treaty of this land created by our forefathers and ancestors. XXXX, from the XXXX the XXXX XXXX, with former languages within XXXX and XXXX from the XXXX and such the like not similar thereto our associates XXXX and similar former nations alike. I am an Americans by birth and please see our nativity records attached, for such is and was declared as mosulem [ s ] not the same as XXXX. Within the 48 original Republic States herein this American land. This is a motion for remedy relief, and for failure of lack of DUE PROCESS, thru intervention, relief, recovery and remedy can only be given by the higher courts and corrections therein the lower courts and this venue for whos foundations are that of the US CONSTITUTION and XXXX [ XXXX ] alone and none other WITHOUT BLAME.
# ss XXXX XXXX XXXX Seal/signature XX/XX/XXXX XXXX
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| 07/28/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I have attached the following documentation to reflect the following information below, please see attachments.
1099-C one PDF to include 1099-C three accounts cancellation of debt notice for the following account : 1. XXXX Store Card Account Number Ending in XXXX 2. XXXX Credit Card Account Number Ending in XXXX 3. XXXX XXXX XXXX Personal Credit Account Number Ending in XXXX These accounts were charged off as of XX/XX/XXXX XX/XX/XXXX TAX RETURNS Schedule 1 FORM 1040 Line 8 to reflect the total amount PAID IN FULL for the accounts in question 8 Other income. Canceled Debt Income {$4800.00}.
A copy of my XXXX Credit report showing inaccurate reporting XXXX XXXX is reporting to the Credit Bureaus inaccurate information that I still owe the debt in full!!
I have attached documentation that SHOWS XXXX XXXX abandon under a 1099-C the total amount of {$4800.00}. XXXX XXXX canceled the debt and issued a cancellation of DEBT ABANDON A DEBT under IRS Publication 4681 ( XX/XX/XXXX ), Canceled Debts.
As you clearly stated in your statement XX/XX/XXXX after XX/XX/XXXX, on your XXXX Store Card account. Therefore, due to non-payment, the remaining balance of {$800.00} was subsequently charged off as a loss on XX/XX/XXXX.
Clearly, as you can see on the attachment from XXXX that you are reporting inaccurate information by updating my credit report to reflect a charge of from XX/XX/XXXX to recently thus reporting inaccurate status past due as of XX/XX/XXXX.
As you clearly stated in your statement on XX/XX/XXXX, We did not receive a payment after XX/XX/XXXX, on your XXXX XXXX XXXX Mastercard account. On XX/XX/XXXX, due to non-payment, your account was charged off as a loss in the amount of {$2900.00} Clearly, as you can see on the attachment from XXXX that you are reporting inaccurate information by updating my credit report to reflect a charge of from XX/XX/XXXX to recently thus reporting inaccurate status past due as of XX/XX/XXXX.
As you clearly stated in your statement on XX/XX/XXXX, We did not receive a payment after XX/XX/XXXX, on your XXXX Credit Card account. Therefore, due to non-payment, the remaining balance on the account of {$2700.00} was subsequently charged off as a loss on XX/XX/XXXX.
The XXXX Store Card Account Number Ending in XXXX was charged off as a loss on XX/XX/XXXX, NOT IN XX/XX/XXXX XX/XX/XXXX XXXX Credit Card Account Number Ending in XXXX XXXX XXXX XXXX Personal Credit Account Number Ending in XXXX On XX/XX/XXXX, NOT IN XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Personal Credit Account Number Ending in XXXX was charged off as a loss on XX/XX/XXXX. NOT IN XX/XX/XXXX XX/XX/XXXX I reported these accounts under a 1099-C on my XX/XX/XXXX Tax Returns as Paid in Full. Under the Fair Credit Reporting Act, I have the right to removed inaccurate reporting which you have clearly done so. YOU ARE PARROTING THE INFORMATION being reported, even after multiple disputes!!!
I have included a copy of my XX/XX/XXXX TAX RETURNS to reflect the full amount for all three accounts that the total amount of the charge off has been PAID IN FULL via TAX RETURNS.
The 1099-C Clearly state You received this form because a federal government agency or an applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed, or because an identifiable event has occurred that either is or is deemed to be a discharge of a debt of {$600.00} or more. If a creditor has discharged a debt you owed, you are required to include the discharged amount in your income, even if it is less than {$600.00}, on the Other income line of your Form 1040 or 1040-SR. XXXX XXXX HAS CLEARLY DISCHARGED all three accounts BRING THE BALANCE TO {$0.00} DOLLARS OWED.
YOUR COMPANY EVEN REFERENCES THIS ON YOUR STATEMENT XX/XX/XXXX XXXX XXXX is no longer pursuing collection activity on your accounts. If XXXX XXXX discharges ( cancels or forgives, in whole or in part ) a debt you owe, you may receive a Form 1099-C, Cancellation of Debt. Amounts discharged may need to be included in your income, and subject to certain exceptions reported to the IRS. Please contact your tax adviser concerning the particular U.S. Federal Income tax consequences to you. On XX/XX/XXXX, XXXX XXXX issued a Form 1099-C on each of the above referenced accounts.
XXXX XXXX STATEMENT dated XX/XX/XXXX stated As required by the statute of limitations, XXXX XXXX is no longer pursuing collection activity on your accounts. The statute of limitations does not change our obligation to accurately report account history.
XXXX XXXX last reported your XXXX Store Card account on XX/XX/XXXX, your XXXX Credit Card Account on XX/XX/XXXX, and your XXXX XXXX XXXX Personal Credit account on XX/XX/XXXX. As the accounts have been accurately reported, your request to alter the account reporting is respectfully declined.
A debt is deemed canceled on the date an identifiable event occurs or, if earlier, the date of the actual discharge, which the actual date of the discharge for the accounts mentioned above was in XX/XX/XXXX NOT IN XX/XX/XXXXXX/XX/XXXX.
The code reflected on the FROM 1099-C clearly states Code G Decision or policy to discontinue collection. Code G is used to identify the cancellation of debt as a result of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. For purposes of this identifiable event, a defined policy includes both a written policy and the creditor 's established business practice.
IRS PUBLICATION https : //www.irs.gov/pub/irs-pdf/i1099ac.pdf, ALSO STATES Section 7. A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or established business practice of the creditor. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. Enter G in box 6 to report this identifiable event.
MEANING THE ACCOUNT WAS CANCELLED IN FULL {$0.00} XXXX DOLLARS!!!
IRS INSTRUCTION WHEN FILING A DEBT STATES : 1. A discharge of indebtedness because of a decision or a defined policy of the creditor to discontinue collection activity and cancel the debt. A creditor 's defined policy can be in writing or established business practice of the creditor.
2. A creditor 's established practice to stop collection activity and abandon a debt when a particular nonpayment period expires is a defined policy. Enter " G '' in box 6 to report this identifiable event.
3. XXXX XXXX canceled the debt, stopped collection activity, and ABANDON A DEBT!!
BRINGING MY TOTAL BALANCE TO {$0.00} XXXX DOLLARS!!!
I have disputed this account on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and for the fourth time you will be getting a LAWSUIT from me, for reporting and damaging my credit report 180 points and for inaccurate reporting on your part!! I have to give you plenty of time to remove the negative information and the inaccurate information from my credit report. Since I did not file a Reduction of Tax Attributes Due to Discharge of Indebtedness under Section 1082 Basis Adjustment Form 982, This DEBT IS CONSIDERED PAID IN FULL Under this statute!!
I will be suing you ( XXXX XXXX ) and the Credit Bureaus for damaging my credit report, your statement dated XX/XX/XXXX states : 1. Based on your inquiry, we have reviewed your account record and verified we have accurately reported your account history information to the major credit bureaus. Since we have reported accurate information pertaining to your account, we are unable to delete or modify the status as reported. Therefore, your request for XXXX XXXX to delete these trade lines from your personal credit history has been respectfully declined, and 2. XXXX XXXX is no longer pursuing collection activity on your accounts. If XXXX XXXX discharges ( cancels or forgives, in whole or in part ) a debt you owe, you may receive a Form 1099-C, Cancellation of Debt. Amounts discharged may need to be included in your income, and subject to certain exceptions reported to the IRS. Please contact your tax adviser concerning the particular U.S. Federal Income tax consequences to you. On XX/XX/XXXX, XXXX XXXX issued a Form 1099-C on each of the above-referenced accounts.
Yet my credit report shows inaccurate reporting on your behalf has recently charged off!!
In conclusion, all these accounts were charged off in XX/XX/XXXX and not recently on XX/XX/XXXX as you have reported on my credit report. I want these accounts to be removed from all four major credit bureaus, XXXX, XXXX, TransUnion, and XXXX XXXX credit reports IMMEDIATELY.
I have reached out to you several times On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, via email as well and have left several messages via phone. I can be reached at XXXX-XXXX-XXXX
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| 11/20/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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The following was written by my daughter for me & is also being sent to Congress, the New York Attorney General ( NYAG ) the Michigan Attorney General ( MAG ) Credit. Bureaus are in direct breach of their XX/XX/XXXXsettlement with NYAG and I can prove it!
Terrorism upon American Citizens by American Companies is exactly what this is! Credit Bureaus invade our lives and personal information without our permission. They control our lives, our futures, where we live, where we work, if we can afford insurance, They create an atmosphere of overwhelming stress, chaos and utter destruction and they are currently destroying my Mothers life.
My mother is as upset and frightened as I have ever witnessed. Her job and life are at stake as a result of ID Theft & the Credit Bureaus ( CRAs ) refusal to follow the law, and I will not stop until these repulsive and egregious acts of terror by the Credit Bureaus against my family and other consumers are stopped!
Everyone needs to take notice with this issue as it will have a negative effect on your loved ones, your children, family, friends, every single Member of Congress, Members of the Judicial System, members of government agencies ( including the FBI/CIA ) and Members of the press. PLEASE READ, because you are not immune!
Dont you agree that with so much power & control over a persons life that the Credit Bureaus must maintain flawless records and follow the laws?
As I am writing this, tears are streaming down my cheeks because I am at a loss as to what recourse we can turn to. Rarely have I witnessed my mother breakdown the way she has over the last weeks. Her job carries security clearance ; she must retain good credit-standing ; and any sign of financial problems jeopardizes her employment. Her employer pulls employees credit every 4-months, with the next screening shortly after XXXX.
The process enacted to help consumers is wholly ignored and the Credit Bureaus, TransUnion, XXXX and XXXX, play games and deploy every tactic they can to discourage and prevent victims of ID theft from recovering their identity and clear their names of fraudulent accounts and charges ( which either already have or will surely soon destroy their lives )?
SUMMARY OF FACTS : My mother provided TransUnion and XXXX with a signed and NOTARIZED statement informing them she is a victim of ID Theft. She used the forms & Documents provided by the FTC on their site ; IDENTITYTHEFT.GOV Followed all the directions completely and precisely Even provided additional information and documents, including an Affidavit of identity and Informed TransUnion & XXXX of the urgency because her job & livelihood were in jeopardy.
However, in blatant defiance against the U.S. Gov't, Congress, the FTC & the XXXX Settlement with New York Attorney General Office ( NYAG ) , both TransUnion & XXXX have refused to follow the crystal-clearest & fundamental decrees of Federal Law, specifically, FCRA 605B ( 15 U.S.C 1681c-2 ).
TransUnion sent my mother a letter denying her request, which I assume wasnt even read, because they included a form titled TransUnion Identity Theft Victim Assistance Affidavit stating, The request provided is missing essential personal identifying information or account specific information that would allow us to complete your request.
Let me state this as clearly as I can ; TransUnion XXXX XXXX
The information provided was complete and specific.
A sworn and notarized affidavit & forms stipulated by the U.S. Justice Dept. were sent, and TransUnion responded by asking for the SAME information only to delay the process!
TransUnion has numerous untruths in their claim to deny : They state the initial correspondence was received on XX/XX/XXXX THIS IS A LIE. The letter was sent via certified mailed on XX/XX/XXXX and unless the post office is lying, TransUnion received the letter to BLOCK ID THEFT ACCOUNTS on XX/XX/XXXX. They do this to defy the legal system, to defy Congress, and to defy United States Citizens of their rights. They defy the rules and delay the process hoping to discourage and frustrate people from moving forward!
TransUnion now claims they have another 15 days to investigate from XX/XX/XXXX - WRONG!
TransUnion claims they received additional information on XX/XX/XXXX, giving them another 15-days. WRONG! I want to know what they claim as Additional information NOTHING ADDITIONAL WAS PROVIDED FOR ANY OF THE ACCOUNTS COVERED IN THE ORIGINAL CLAIM!
TransUnion claimed to have properly investigated, yet they have failed to provide the steps they took to investigate. A direct violation of their recent settlement agreement with the NYAG Office.
TransUnion claims my mother did not provide proper information to prove her identity to process her claim of ID Theft, demanding she fill out their company-specific form which doesnt even request as much detail as volunteered in her original claim ( apparently the U.S. Justice Depts form, signed, sworn, and notarized does not suffice?! ), and, again, mail it back.
This added process took 4 more weeks. THIS IS A COMPLETE SHAM and a policy TransUnion Deliberately employed to discourage victims of ID theft.
According to the settlement agreement and controlling law, TransUnion must be specific and explain exactly what information was not provided, just like a consumer must be specific. This is proof TransUnion never read all the documents provided which means They are in direct violation of their recent settlement agreement with the NYAG Office.
TransUnion MUST delete and block the accounts regardless of any future investigation outcome, period!
TransUnion also stated, as a precaution a 90-day security alert has been added to her credit report.
My Mothers letter and affidavit did NOT request anything about a 90-day Alert. Her request was clear and specific. To block the accounts claimed as Fraud or ID Theft and Freeze her credit report.
A 90 day Alert is not a Freeze and does NOTHING at this point, all the damage has already been done and continues to worsen as creditors have reduced or taken-away her credit lines, her insurance rates continue to increase, and her job is in serious and immediate jeopardy.
As for XXXX, they simply refused her claim without any specific explanation?
XXXX provided no specifics as required ( A direct violation of their recent settlement agreement with the NYAG Office. ) Did not explain the steps they took to investigate and provide proof ( A direct violation of their recent settlement agreement with the NYAG Office. ) Did not.?
- Alternately, TransUnion and XXXX statement says the Information and forms provided by the FTC or any-other government agency will NOT be accepted. CAN YOU BELIEVE THAT!
HEY, CONGRESSMEN AND REPRESENTATIVES ; TransUnion does not give a XXXX how much time, money, research and authority you have or spent to pass these laws, they are defiant regardless and XXXX XXXX, go to H***.
That is what XXXX & TransUnion is telling everyone..
My question is : what are you going to do about it?
This is not the first time my family has been victimized by TransUnions reckless disregard of both Federal Law & consumer rights. In XXXX, Transunion mixed my credit report with another family members. For 3 years I attempted to have TransUnion correct the information, THREE FREAKING YEARS! I pleaded, begged, provided mountains of documents, spent 100s of hours and took on enormous financial losses, was denied a home-loan, etc.. I was forced to live in the slums of XXXX for years with no health insurance, terrible credit-history/no-credit to my actual name, and an unsafe car, all because my credit report was mixed w/a delinquent family member! It wasnt until a lawyer friend intervened and helped me file a lawsuit, that TransUnion finally admitted guilt and corrected the information.
Let me state this as clear as I can : If a lawyer friend did not intervene for FREE, I never would have been able to take them to court and win my freedom. I didnt have tens of thousands to afford an attorney and I surely couldnt find a lender to borrow it.
It seems our only recourse is to SUE the Credit Bureaus in order to FORCE them to follow the laws?! Because CRA have clearly shown they have no respect for Congress. This is insanity!
Lastly, I know of not one person who has agreed to provide their personal information to any Credit Bureau, and certainly not for someone to sell! Yet, they own it all and make ungodly PROFITS off of it all-the-while violating millions of consumers rights and the laws written by YOU to protect us, the people.
Again, what are you ( our elected representatives ) going to do about this, doing nothing is unacceptable?
I have explained a few facts about the NYAG settlement agreement and how the Credit Bureaus have defaulted in the " What would be a Fair Resolution of this issue ''
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| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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CORRECTED VERSION FROM PREVIOUSLY SENT COMPLAINT It has come to my attention that XXXXXXXX XXXX XXXXXXXX XXXX, an affiliate of XXXX XXXXXXXX XXXX is currently in violation of The Privacy Act of 1974 which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
XXXXXXXX XXXX XXXXXXXX XXXX, an affiliate of XXXX XXXXXXXX XXXX has been in violation of the Acts, stated herein and has been regularly reporting negative activity without my consent, and has caused irreparable harm and injuries to me since about XXXX of the year XXXX in violation of the abovementioned Act and as stated in 15 U.S. Code 6801 - Protection of nonpublic personal information which states : ( a ) Privacy obligation policy - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards - In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
In addition to 15 U.S. Code See Also 6805 Enforcement ( a ) WHICH STATES THAT : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, and ( b ) ENFORCEMENT OF SECTION 6801 ( 1 ) Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Therefore, it is within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ) to enforce this/these Act ( s ) to ensure the protections of all consumers.
SEE ALSO 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information under : ( a ) Notice requirements which states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
According to 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( e ) Time to comply with opt out. Which states that : You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it., and 16 CFR 313.7 ( f ) Continuing right to opt out, which also states that A consumer may exercise the right to opt out at any time, and 16 CFR 313.7 ( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2
) In accordance with the written instructions of the consumer to whom it relates.
As stated herein, as well as the enclosed letter which clearly signifies my right to opt out as stated in 6802 ( b ) : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXXXXXX XXXX XXXXXXXX XXXX, an affiliate of XXXX XXXXXXXX XXXX has never disclosed this information to enable me as the consumer the opportunity to exercise the abovementioned Opt out rights afforded to me.
XXXXXXXX XXXX XXXXXXXX XXXX, an affiliate of XXXX XXXXXXXX XXXX ultimately sold/referred the debt to XXXX XXXX XXXX XXXX ( see enclosed XXXX XXXXXXXX ) but still continued/continues to report the above-mentioned account as CHARGED OFF to all of the major credit reporting agencies, despite the fact the account has been paid in full. ( See XXXX XXXXXXXX & XXXX ). This ongoing negative reporting is causing irreparable injury, embarrassment, emotional damage, stress and humiliation to me and my family by being denied of loans, lines of credit and my ability to prosperously move forward financially in life by their violations of the laws stated herein. It has also come to my awareness that a CHARGE OFF is also considered as Certificate of Indebtedness ( COI ) which means that it considered as Income and must be removed from all credit reports. It is also illegal to report any negative transaction history to the major credit reporting agencies which XXXX XXXX XXXXXXXX XXXX, an affiliate of XXXX XXXXXXXX XXXX has in the past and continues to illegally report to this day.
17 CFR 248.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out
notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose non-public personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
It is for the reasons stated herein and the protection of my rights as a consumer is why I am entitled to the remedy and relief sought in the form of XXXX XXXX XXXX XXXX, an affiliate of XXXX XXXXXXXX XXXX correcting the record by removing all negative reporting, and negative credit history from any and all credit reporting agencies records, including but not limited to XXXX, XXXX, Transunion, and financial compensation for the violations committed which has caused irreparable harm, embarrassment, humiliation, mental anguish and undue financial hardships committed against me for which compensation in the amount of {$50000.00} ( XXXX XXXX USD ) should be granted in my favor.
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| 10/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I opened an account with XXXX 's XXXX XX/XX/2018. The sales consultant took my information over the phone. I believed I was giving information for preapproval. I did not get terms of the credit card. I gave the correct address and phone number.
XXXX 's installed the roof in XX/XX/2018 at our correct address and called my number to arrange the install.
On XX/XX/2018, I received notice from my credit monitoring service that my credit score dropped 136 points due to delinquent status of my XXXX XXXX 's account. I had not received a bill from XXXX 's. I received no phone calls or emails to inform me of my delinquent status.
I called XXXX on XX/XX/XXXX and learned that they had sent 3 bills ( XX/XX/2018 ; XX/XX/2018 ; XX/XX/2018 ) which they stated were all returned. I never received my credit card, my terms, an invoice of work completed, an account number, or any documentation. I never received approval notification. I never signed anything. I am not contesting the work or that I owe XXXX 's money for work completed. I never had an opportunity to pay.
On XX/XX/2018 I began attempts to clear up the negative impact to my credit score. Below are notes related to the calls.
XXXX XXXX XXXX Called XXXX when credit monitoring service XXXX notified credit dropped 136 points Automated service wasnt able to authenticate when entered personal information Connected to XXXX Told me there was {$410.00} minimum amount due XXXX told her I never received a XXXX XXXX told me they sent out multiple bills that were returned I told her I was never contacted by phone or email She told me there was no phone number or email on account I told her that wasnt true because the contractor had that information and the work had been completed at the address and we had been contacted by phone to arrange the install.
XXXX indicated the delinquency would be reversed by XX/XX/XXXX.
I asked to speak to a supervisor.
[ on hold ] Transferred to XXXX.
Gave XXXX social security number. XXXX verified my account with XXXX.
XXXX me I need to send a dispute to : XXXX XXXX XXXX XXXX FL XXXX Ask to whom I should address this.
XXXX told me Federal Credit Reporting Agency **This address is for XXXX Bank** XXXX misrepresented XXXX Bank 's address as the address of a federal agency. XXXX also lied about her name. I later found out XXXX 's name was actually XXXX when I spoke with XXXX, a XXXX 's representative. ** Asked XXXX how many bills XXXX sent me. XXXX refused to answer me.
Asked to what address XXXX sent bills. Gave me this address : XXXX XXXX XXXX XXXX, TX XXXX I have never lived at this address, used this address, known anyone at this address, or given this address to anyone.
Asked XXXX what phone number they had on file.
Gave me : XXXX ( the number from which I was calling ).
Asked what email they have on file. Gave me XXXX ( not my email address ) Told me XXXX said I refused to give email address ( not true ) When I asked what information XXXX had about me XXXX refused to give it. XXXX said she could only verify information I gave her. I told her I needed to know what I was disputing when I sent the letter in. XXXX told me I just needed to send the letter in and there was nothing else she could do.
XXXX XXXX up and called XXXX store directly. Spoke to XXXX at XXXX XXXX XXXX. XXXX XXXX # XXXX. Acting manager in flooring. Told me I probably needed to speak to XXXX but he would take information. Gave information. He called back at XXXX and said he couldnt find account. Gave phone number XXXX. Was not able to pull up XXXX credit card. Called back again at XXXX and told me to call XXXX credit center at XXXX. Told him my concern was that interest was accruing in addition to my credit being affected negatively. He told me this should all be fixed. I told him again I never got a statement and had no opportunity to pay.
Called XXXX and spoke to XXXX.
XXXX told me there were 3 statements sent out and XXXX payments missed. Account being rehabbed. Closing dates go out on the XXXX or XXXX.
Statements sent out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
XXXX assured me that no interest being accrued.
I asked who entered the XXXX address. She wasnt able to tell me.
I asked if I could have scanned copies of all documents. She said since account was being rehabbed she couldnt send me anything. She said the defect was on our [ XXXX ] side.
Rehab would take 30 days.
I told her that was unacceptable because I was in the process of taking out a car loan. I am now unable to attain a loan because my otherwise good credit score has been negatively affected through no fault of mine.
XXXX Called again and talked to XXXX ( XXXX ) Asked to clarify what rehab is. He answered that the mistake is on our [ XXXX ] part and not your fault. I wanted to make sure the rehab is happening. He said it is. No days are past due. XXXX said he is sending another bill to the correct address. Transferred call to corporate care office. XXXX. Told concerns to rep. Rep said would call back in 2 business days. Had to walk to a meeting and I didnt get reps name. Meeting was at XXXX so call ended approximately XXXX. Learned XXXX lied about her name ( its really XXXX ). There is also no Federal Credit Reporting Agency. That is XXXX Address.
Never received a call back. Called back on XXXX and spoke to XXXX. Incident report XXXX. XXXX said the number associated with the account is XXXX. Told her this is not my phone number. This has never been my phone number or any phone number of anyone I know. XXXX 's entered inaccurate information on my credit application that I have never seen. Because of XXXX 's inaccurate information, my credit score has been negatively impacted and I am unable to get credit.
XXXX said she was escalated to the next level and corrected phone number and verified all other contact information. Ended call at XXXX with assurance I would be called back and this would be handled at corporate office and would be called back in XXXX hours.
I was not called back.
XXXX spoke to XXXX at XXXX XXXX Corrected email address AGAIN XXXX told me I had to handle this at the XXXX credit process not at corporate. Transferred to XXXX. Then to XXXX. Then to XXXX. Asked to speak to supervisor.
XXXX told me my last name doesnt match.
Gave social. Found account. Told me account was already rehabbed. Asked to speak to supervisor. Transferred.
XXXX.
Asked who input incorrect information. She looked for application. Said I didnt have an application. Then she said it had missing information after she found it. I requested a copy of the application. She said it will take a lot of time to happen No ID information. She said underwriting may now who submitted it. May take 1-2 billing cycles to get it to me.
Then she hung up on me. I called back and got in touch with her.
She then said she would have this off my credit report in 24-48 hours and I would have the terms in 30 days.
She also said they cant find my credit card.
As of XXXX I still dont have a bill, I still dont have a credit card, and this is still on my credit report.
I called XXXX again XXXX at XXXX XXXX and spoke to XXXX. Asked to speak to a manager. Corrected phone number AGAIN. Spoke to XXXX [ unsure of spelling? ] XXXX assured there is no impact on my credit. Current credit report shows my account is in arrears and my credit score is still 136 points below what it was before XXXX reported. XXXX stated XXXX updated information electronically on XXXX and it can take 30 days to be removed. I can not complete the purchase of my vehicle and can not wait 30 days. Without the purchase of a vehicle I can not transport myself to work or my children to school. The negligent noncompliance of XXXX 's and XXXX bank to enter and report accurate information has caused me and my family serious financial harm.
I requested a letter from XXXX stating that my account is up to date and that I am not delinquent. XXXX can not supply the letter for 14 days. I can not wait 14 days.
I do not understand how XXXX 's and XXXX Bank were able to make such an egregious error and are not responsible for correcting it. It has been left up to me to navigate the CRAs. XXXX has done this before, sending a bill for my XXXX 's account to an address in XXXX that I never resided at. The only two negative accounts on my credit history are from XXXX and are associated with addresses that I have never lived at and never put on a credit application.
I never received my XXXX 's card. I still have not received my XXXX 's bill. Attached is the ONLY document I ever received from XXXX 's. The signature on it is not mine. It is the signature of someone who happened to be at my house who agreed to the purchase of the roof, not to the credit. You will notice no dates or financial information are on the sales contract.
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| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Frauding scams using my documents and documents sounds as retailers and then herds of retailers franchises tore into my documents for franchises products involvement frauding USA veterans documents and FBI registrations and VA mail, my documents of birth.
Fraud scams using XXXX department store off my XXXX birth certificate same sound and used radio and advertising using XXXX frauding my family 's XXXX death record of serial numbered corners record.
Frauding scams using XXXX department stores sounds like XXXX and XXXX XXXX products and XXXX advertising Frauding scams using XXXX XXXX products Fraud scams using XXXX XXXX XXXX XXXX company Fraud scams using XXXX XXXX XXXX XXXX XXXX 50 states wide and international Frauding scams using dairy Queen frauding scams using XXXX XXXX Fraud scams using XXXX department food stores and XXXX XXXX stores using XXXX XXXX products and brand advertising Frauding scams using 179 locations of XXXX XXXX and XXXX XXXX reaction Frauding scams using XXXX XXXX Frauding scams using popies chicken using XXXX XXXX products Frauding scams using XXXX XXXX frauding scams using XXXX XXXX Frauding scams using XXXX XXXX using XXXX XXXX Frauding scams using XXXX 's and XXXX and XXXX and XXXX and XXXX groceries using XXXX XXXX Frauding scams using XXXX 's frauding scams using XXXX XXXX Fraud scams using diners menus and food products thru out the 5 great lakes towns and in all counties of Florida and all counties in Nevada Fraud scams using casino advertising using my documents in Nevada and hotel advertising in Nevada Fraud scams using media groups frauding my documents Frauding scams using music singers and bands and actors and theater groups Frauding scams using my documents as reality agents and reality accounts Also XXXX and XXXX XXXX listings of frauding scams frauding my documents Frauding scams in many states frauding my documents as attorneys and lawyers and judges frauding scams using XXXX and XXXX and XXXX and XXXX XXXX scams using police and sherrifs frauding scams using XXXX, XXXX, XXXX and XXXX, XXXX and XXXX know fraud scams in Illinois and Florida and Nevada and California Frauding scams using adult entertainers frauded my documents Fraud scams using my documents of diverse attorney frauding XXXX XXXX of XXXX Indiana of my Court filing of divorced to XXXX XXXX XXXX of XXXX XXXX Indiana XXXX.
Fraud scams using using title company and tile companies using XXXX XXXX scams using over 3000 commodity broker listings off my whole documents stack of my almost 8 years of FBI registrations and back ground check as listed 3000 and firm names frauding my who documents stack off my two federal registrations of XXXX XXXX XXXX and XXXX XXXX XXXX ( I was married and divorced around my XXXX XXXX XXXX ). Herds frauding got fraud FBI files of registration frauding me and my documents stack thru nfa.org.
Others listings frauding scams through security.gov frauding my documents stack to.
No one has paided me my whistle blower act money Frauding scams using XXXX XXXX in many states frauding my grandma XXXX Indiana social security number and documents attached to her social security number of XXXX XXXX XXXX XXXX XXXX XXXX XXXX. She married my grandfather twice My grandma a public storage retiee Others frauded my grandmother of XXXX XXXX who is XXXX who was a prior XXXX XXXX XXXX manager in XXXX Indiana and a public storage retire Fraud scams using XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX and XXXX XXXX and fraud XXXX XXXX Indiana as XXXX Texas, frauding scams using XXXX XXXX frauding my XXXX XXXX XXXX documents of XXXX XXXX Indiana XXXX as XXXX XXXX Others frauded my XXXX XXXX XXXX XXXX documents of XXXX XXXX Indiana Frauding scams using streets sinage and venue and venue using my documents Fraud scams using XXXX products and services Frauding scams using book authors and book credits Fraud scams showing my data in XXXX XXXX of XXXX book Fraud scams using XXXX Texas XXXX scams using XXXX XXXX Fraud scams using XXXX XXXXs and XXXX XXXX groups Fraud scams using boats in Florida frauding my documents Fraud scams frauding my documents as building permits in Nevada state. fraud scams counter writing off of XXXX XXXX XXXX using my documents in Pennsylvania as fraud ids scams and business Fraud scams using freedom high school I went there for 9 months in XXXX..
XXXX not interested in Pennsylvania state, they never comply for me frauding my documents and wrecked on corporation. XXXX refused to marry into Pennsylvania state documents, they never owned XXXX Indiana or XXXX XXXX Indiana or one county of New York Put it like this you have two counties XXXX XXXX of XXXX XXXX Indiana and on county out of New York state where the 50 states have house hold tore in to my documents frauding my birth certificate and for products and retailers and IDs fraud XXXX XXXX XXXX of XXXX XXXX Indiana XXXX XXXX Indiana XX/XX/XXXX of my XXXX ( XXXX ) XXXX XXXX documents attached to my father of XXXX XXXX XXXX of New York state all white documents.. my documents USA Army veterans documents and his father was USA Navy So that two army base documents wrecked on by the other states and two hospital wrecked on by the others states and two social security XXXX or 3 wrecked on by the others states Others frauded my documents as wee wrestling Federal not interested in Illinois or Florida after all there crimes they did to me..
Others also created herds of XXXX XXXX and XXXX business permits and XXXX products and in construction when my USA army documents were XXXX XXXX Others also hit me with gavet crimes sauacked out stuff and frauding scams using XXXX XXXX XXXX Fraud scams using lakes diners menus and others parents bothering my documents Frauding scams using tv/ media scripts using XXXX XXXX Fraud scams using game shows frauding my documents Fraud scams using sinage Fraud scams using banking permits using XXXX XXXX XXXX and XXXX XXXX XXXX and XXXX XXXX XXXX Then fraud scams using XXXX XXXXXX/XX/XXXXfrauding XXXX XXXX XXXX XXXX Indiana of my perf account as a prior police disptcher I was also registered through portage Indiana police as a international detective for work assignment to the port of Indiana Others also frauding my documents in others counties of Indiana I was also a prior can I have a life scam with fingers print cards and fni back ground check in XXXX XXXX CA for my guard card.
I had my background check for travel clearance for international travel and police files in XXXX XXXX Florida and finger print cards for my FBI background check in XXXX XXXX Florida for my XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX in XXXX finally told me they couldn't stop the 16 counties of Florida State from frauding me and my documents, none are from Florida All 16 counties in Florida State frauding my I'd and families IDs and as business permits and products and schools and auto stores are federal not authorized states not authorized They don't own my social security data or states supior court of another state attached to my serial numbered documents Florida State also pulled a landdelopments using my Indiana medical records as sinage scams and for sports statium sinage Michigan State frauding my XXXX XXXX XXXX Indiana documents as XXXX with extra E named scams as as IDs XXXX XXXX XXXX XXXX XXXX XXXX XXXX put in XXXX frauding my family 's XXXX XXXX record of XXXX Indiana and bounced back XXXX XXXX XXXXs and book credit and IDs scams and frauding Base Ball team using XXXX and announcer Fraud scams in Florida State as XXXX XXXX..
Fraud scams using XXXX XXXX XXXX XXXX Illinois tore into XXXX XXXX XXXX documents of my documents through XXXX fraud scams using XXXX and XXXX pre colleges Fraud scams using XXXX XXXX XXXX of XXXX XXXX Indiana as XXXX XXXX and XXXX XXXX in XXXX Illinois frauding my documents and XXXX XXXX XXXX XXXX.
Fraud scams using using navy peir fraud scams using XXXX slaw Herds of illinoise families who both my parents documents and my Indiana school documents to act like food products retailers using there families XXXX refused to marry into illinoise state documents.
Illinoise state wrecks on my state coping documents Illinoise states used retailers wrecked on means building permits and radio and worker and politican listings and parks and construction and lawyers and judges and attorneys and XXXX police traing and schools and new paper company business fraud scams frauding my documents XXXX XXXX XXXX pulled like crimes Fraud scams using XXXX XXXX XXXX Azorina pulled like crimes Others posed there kids and families frauding my documents in azorina new papers Others used streets festival talking in my documents in azorina You have massive groups talking in my documents trying to give me a head ach caused by herds frauding scams doing bothering my documents..
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how l
ong it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
5. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
7. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
8. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
9. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
10. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
11. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX - This address is not correct. Delete it immediately from my report.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have XXXX days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within XXXX days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Indiana XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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On XX/XX/20, I called the CFPB and filed complaint # XXXX because my daughter and I who have the same first name, but different last names tried to open accounts and they had us in their systems as the same person. We were considered aliases of each other. Every time we've tried to explain or clear things up we were transferred to voicemails, the fraud department, operations loss prevention only to receive no answers and no assistance. After filing the complaint, I received a call from XXXX from the XXXX Executive Offices on XX/XX/20 at XXXX XXXX. He left a voicemail advising that he'd completed the investigation, updated my credit reports to reflect paid on time as agreed, verified that there are no accounts in neither my daughter or my name. He claimed that he couldn't even find a profile for either of us other than my credit card account. Which all of my children are authorized on. However, the credit card account still isn't being reported correctly and on time to all of the credit bureau 's for my children and I. In fact, the account has either never reported for some of them or was removed from some of their credit reports. They even removed one of my children for some unknown and unadvised reason so I had to add him back. I have called the number that XXXX left on my voicemail XXXX but continue to get a voicemail stating that inbound sales is not available. After leaving several messages, I learned that it's not a XXXX number. I still have the voicemail to verify the number that he left for me to call. So eventually, I XXXX the Executive Offices and found the correct number. The first agent that I spoke with advised that they changed extensions and that she had no idea who XXXX was. I explained my situation and she asked for the CFPB complaint number and she then found the correct extension for him. She tried to reach him and told me that he said for me to leave a message for him and he'd call me back. That was about 3 weeks ago. I still haven't heard back from him. So I called the Executive offices back on XX/XX/20 and spoke to a completely different agent who assured me that everything was good to go. That my daughter and I were both clear to open any XXXX banking accounts. I'd received an offer via mail and in the app for a promotional amount of {$500.00} to open both a checking and savings together. My first attempt was on XX/XX/20 online, via the app, after speaking with the agent. It was denied so I called to find out why and was advised to step into a branch and they could further assist me and advise why I was denied. I was advised to step into a branch with a valid state issued id or driver 's license. I made an appointment for Friday, XX/XX/20 at the XXXX located at XXXX XXXX XXXX. I waited over an hour and finally the Branch Manager XXXX XXXX, called me at XXXX but by that time I needed to leave because I had another engagement. He rescheduled me for Monday, XX/XX/20 at the same time and assured me that I'd be seen on time. I arrived for my appointment but he wasn't present. So at about XXXX XXXX a representative named XXXX XXXX assisted me. I continued to advise them that my credit had already been ran and that I was advised to step into the branch to find out the reasons for denial. They assured me that they didn't have access to the denial but could make another attempt to open my account. I gave them my driver 's license and my XXXX XXXX Credit card for proof of identity. They were successful in opening both accounts. During the sitting, they asked me questions to verify my identity, made a copy of my driver 's license, requested my contact information such as address, phone number, email, etc ... At the end, when reviewing my documents, I noticed other phone numbers that I've either never seen before, belonged to my daughter, my dad or my grandmother listed on my profile. I'm not sure why their information would be listed with mine BUT, I asked XXXX what was the point of asking me for my contact information if it wasn't going to be updated properly? She said that since it was already there, she didn't remove it. I asked how would this information be listed on a NEW account? If I hadn't provided it to her? She got upset because I told her to remove it all. Remove everything except for the information that I provided for ME! I said this is how people 's identity 's get stolen. AGENT MISTAKES! Agents don't care to do their job properly. If I gave you ONE PHONE NUMBER, ONE ADDRESS AND NO EMPLOYER, then that's exactly what should be listed on MY account! Not somebody's else 's contact information. After she updated everything, I asked if I'd get a temporary debit card so that I could make deposits, etc on the account to fulfill the agreement of the terms for me to get the {$500.00} bonus. She said no, they don't give temporary cards out anymore. I'd run out of time because the process had taken more than an hour and I had a client waiting for me. On the following dates, I returned to the same branch with my driver 's license to make deposits with a teller into my new savings account ... XXXX cash deposit of {$200.00}! On XX/XX/20, I asked to make TWO separate deposits ONE CASH deposit of {$200.00} AND A SECOND DEPOSIT OF {$460.00} because I had several smaller checks that I hadn't cashed that I didn't want to be placed on hold. I wanted to make the cash deposit first so that it would be enough money in the savings account to cover the items to prevent the checks from being placed on an extended hold. The lady split it up into 3 transactions instead. She did it how she wanted instead of how I requested. ANOTHER agent who didn't care about the customer 's request! Typical XXXX employee huh? XX/XX/20 cash deposit of {$400.00}. So my total, Savings account balance reflecting online is XXXX. On XX/XX/20, I opened an envelope that included my debit card. On XX/XX/20, I activated the card so that I could make drive up atm transactions instead of having to wait in longer lines inside of the branch waiting for teller assistance. I also wanted to ensure that the activation was processed and that both accounts were linked to the card so, I attempted a {$500.00} transaction to another bank account using the debit card, it said that the card was inactive. I then went online and tried to transfer {$500.00} from savings to checking and the system reflected that I had no active accounts. I immediately called XXXX and was informed that my accounts were placed on hold on XX/XX/20. I asked why and the agent referred me to call the operations loss prevention fraud hotline at XXXX. It was after XXXX XXXX so I wasn't able to speak to anyone. I asked her WHY would my accounts be placed on hold if I have done NOTHING? And EVERY transaction was submitted in a BRANCH with a teller? She apologized so many times that it XXXX me off even more because she knew that it was some XXXX XXXXXXXX! I received NO PHONE CALLS OR WARNINGS ABOUT THIS! I then check all of my unopened mail only to find a letter dated for XX/XX/20, XXXX DAY AFTER ACCOUNT OPENING, BUT DATE STAMPED OR POSTMARKED FOR XX/XX/20 ADVISING ME TO CONTACT THEM VIA PHONE, BY STEPPING INTO A BRANCH BEFORE XX/XX/20 TO VERIFY THAT IT WAS ME WHO ACTUALLY OPENED THE ACCOUNTS OR THE ACOUNTS WOULD BE CLOSED! So I'm extremely XXXX because 1. the accounts were opened at a branch who already verified my identity! 2. the bank is holding my money that I deposited ALSO AT A BRANCH WHO VERIFIED MY IDENTITY. 3. PLACED A HOLD ON THE ACCOUNTS BEFORE XX/XX/20! 4. the bank NEVER attempted to CALL me regarding this BUT called me for other miscellaneous, UNIMPORTANT information! I am requesting that the hold is lifted IMMEDIATELY ON BOTH ACCOUNTS! THAT THIS BANK FIX IT'S PROBLEMS AND COUNTLESS ERRORS! That I am provided the {$500.00} bonus automatically due to their COUNTLESS inconveniences! That I am no longer required to deposit {$15000.00} into the savings or setup direct deposit for the checking! That all monthly service charges or fees are waived for the duration life of the accounts being active because now I don't trust them to do what they're supposed to do! {$1200.00} is a lot of money to play with BUT imagine them playing with {$15000.00}? I would totally lose it! They want me to deposit {$15000.00} which I was in the processing of doing only for them to make up some more XXXX XXXX and excuses to hold my money and accounts! They make the MOST mistakes and have no empathy or compassion for the lives that they are ruining! TAKE THE HOLD OFF OF MY ACCOUNTS NOW! DEPOSIT THE {$500.00} BONUS MONEY INTO MY ACCOUNTS NOW! ADD A FEE WAIVER ON MY ACCOUNTS TO PREVENT ANY FEES FROM BEING ASSESSED OR CHARGED FOR THE MINIMUM BALANCE NOT BEING MET DUE TO YOUR ERRORS! I HAVE ALREADY SUBMITTED THE REQUEST TO CANCEL MY DIRECT DEPOSIT TO CHECKING!
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| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX CARD Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am not asking for an investigation into these accounts but I am asking that they are deleted immediately. The credit reporting agencies Transunion, XXXX and XXXX have been reporting erroneous, inaccurate, unverifiable and illegal information on my credit report. I have been fighting with them for years trying to get an 100 % accurate credit report as is required by the FCRA. I have not been provided an 100 % accurate credit report nor have they fixed the errors that I have reported to them. They have continuously ignored my request for 100 % accurate report and state that they have verified accounts when in actuality they have not done investigations nor have they provided any proof that in investigation has been done. This has impacted by life by not allowing me to get better jobs, buy a home for my family and allow me the ability to obtain credit do to the damage they have caused by inaccurate reporting. They have ruined by life, reputation and ability to provide for my family. I have provided them with multiple credit reports with these errors and highlighted them as well. Per the FCRA these inaccurate accounts should have been deleted but they have not and are still reporting inaccurately. I AM NOT ASKING FOR AN INVESTIGATION NOR AM I ASKING FOR VERIFICATION I'M DEMANDING IMMEDIATE DELETION OF THESE ACCOUNTS TODAY.
The accounts below need to be deleted today due to they are inaccurately reporting, erroneous or illegally reporting. ONCE AGAIN I'M NOT REQUESTING AN INVESTIGATION INTO THESE ACCOUNTS OR VERIFICATION OF THESE ACCOUNTS. I AM DEMANDING THAT THEY BE DELETED DUE TO TRANSUNION, XXXX AND XXXX ARE NOT IN COMPLIANCE WITH THE FCRA AND VIOLATING MY RIGHTS, DAMAGING MY REPUTATION AND DENYING ME THE ABILITY TO PROVIDE FOR MY FAMILY.
I HAVE ALSO FILED AN IDENTITY THEFT REPORT THROUGH THE FTC AND A LETTER OF THE ACCOUNTS THAT NEED TO BE DELETED UNDER THE IDENTITY THEFT AND REQUESTED A BLOCK ON MY REPORT. PER THE FCRA THE TRANSUNION, XXXX AND XXXX HAVE 4 DAYS TO PLACE THE BLOCK ON MY ACCOUNT AND DELETE THE ACCOUNTS LISTED IN THE FTC REPORT WHICH THEY HAVE NOT DONE WITH IS ANOTHER VIOLATION.
I have reporting all of this to the CFPB who have not enforced any of these credit reporting agencies to follow the law and due what's fair and equitable to me as a consumer and this has negatively effected me financially, emotionally and mentally.
I DEMAND THE ACCOUNTS BELOW BE DELETED FROM MY CREDIT REPORT TODAY AND THE BLOCK IS PLACED ON MY CREDIT REPORT. WHAT TRANSUNION, XXXX AND XXXX ARE DOING IS ILLEGAL AND IF THESE ACCOUNTS ARE NOT REMOVED I WILL BE SEEKING LEGAL ACTION AND MY REMEDY.
XXXX XXXX ACCT # XXXX REMOVE FROM XXXX-Transunion and XXXX weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM XXXXTransunion and XXXX weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Also this account is reporting close but the account is open. Delete Immediately XXXX XXXX XXXX XXXX ACCT # XXXX REMOVE FROM TRANSUNION, XXXX AND XXXXThis account is reporting inaccurately and erroneously and differently on all 3 reports. The account number, account status, balance, high credit, payment status, comments and date last reported and payment history. How can this account be reporting different information on all 3 reports & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately BANKRUPTCY ACCT # XXXX XXXX is reporting a bankruptcy on my report but this is incorrect, erroneous and illegal. XXXX websites states that they verified it through XXXX but that a lie because I have a copy of my XXXX report and there are no bankruptcies on my report. So not only is this inaccurate reporting it is a lie and was not verified through XXXX or anyone else-Delete Immediately XXXX ACCT # XXXX REMOVE FROM XXXX & XXXXTransunion weren't able to properly verify this account & was required to remove the account. How was XXXX and XXXX able to verify this account & you all have access to the same info? I also have an email that my account is closed iwth no balance and they are reporting the account is open and has a balance which is inaccurate.- Delete Immediately XXXX XXXX XXXX ACCT XXXX XXXX REMOVE FROM XXXX and XXXX weren't able to properly verify this account & was required to remove the account. In XX/XX/XXXX the account was showing closed and included in bankruptcy but XX/XX/XXXX its showing the account is open and 120 past due. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM XXXX, TRANSUNION AND XXXX payment history is different on all 3 bureaus, account number is different, high credit, last reported date, comments and last date active.. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX ACCT # XXXX REMOVE FROM XXXX and XXXX weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXXXXXX XXXX ACCT # XXXX REMOVE FROM XXXX and XXXX-Transunion weren't able to properly verify this account & was required to remove the account. Also there are multiple inaccuracies on XXXX and XXXX such as the account status, balance, high credit, credit limit, last reported, date last active. How was XXXX and XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and XXXX weren't able to properly verify this account & was required to remove the account. Also the payment history is showing the account was 30 days past due in XX/XX/XXXX to charged off XX/XX/XXXX until XXXX of XXXX. How can account go from 30 days past due to charged off in 1 month. Then the account was reporting charged off from XXXX XXXX XXXX and has been reporting on time payments from XXXX XXXX XXXX. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE FROM XXXX and Transunion-XXXX weren't able to properly verify this account & was required to remove the account. Also this account is reporting an open collection account which is illegal. A collection account is by default a closed account. Reporting a collection as an open account is not under FCRA compliance and is inaccurate reporting. Also, this account is reporting in dispute and resolved which is another inaccuracy. Also per XXXX website and my credit report on there website I don't have any collections on my XXXX credit report. How was XXXX and Transunion able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX ACCT XXXX XXXX REMOVE FROM Transunion and XXXX weren't able to properly verify this account & was required to remove the account. This account also have multiple inaccuracies such as the payment status, payment history, last reported, date last active and past due amount. Also the payment history is different between Transunion and XXXX Transunion is reporting 30 days late XX/XX/XXXX and XXXX is reporting current. In XX/XX/XXXX Transunion is reporting 60 days late and XXXX is reporting XXXX in XX/XX/XXXX Transunion isn't reporting anything and XXXX is reporting 60 days. How was Transunion and XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX ACCT # XXXX REMOVE LATE PAYMENT FROM XXXX, TRANSUNION AND XXXX have never been late on this account and I am not currently late on this account. Correct payment history to paid as agreed or Delete Account.
XXXX XXXX ACCT # XXXX REMOVE FROM XXXXTransunion and XXXX weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately XXXX XXXX XXXX XXXX ACCT # XXXX REMOVE FROM XXXXTransunion and XXXX weren't able to properly verify this account & was required to remove the account. How was XXXX able to verify this account & you all have access to the same info? Delete Immediately
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| 12/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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It has come to my attention that XXXXXXXX XXXX XXXXXXXX XXXX, an affiliate of XXXX XXXX XXXX is currently in violation of The Privacy Act of 1974 which states : No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
XXXX XXXX XXXX XXXX an affiliate of XXXX XXXX XXXX has been in violation of the Acts, stated herein and has been regularly reporting negative activity without my consent, and has caused irreparable harm and injuries to me since about XXXX of the year XXXX in violation of the abovementioned Act and as stated in 15 U.S. Code 6801 - Protection of nonpublic personal information which states : ( a ) Privacy obligation policy - It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards - In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
In addition to 15 U.S. Code See Also 6805 Enforcement ( a ) WHICH STATES THAT : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, and ( b ) ENFORCEMENT OF SECTION 6801 ( 1 ) Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Therefore, it is within the jurisdiction of the Consumer Financial Protection Bureau ( CFPB ) to enforce this/these Act ( s ) to ensure the protections of all consumers.
SEE ALSO 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information under : ( a ) Notice requirements which states : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
According to 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ( e ) Time to comply with opt out. Which states that : You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it., and 16 CFR 313.7 ( f ) Continuing right to opt out, which also states that A consumer may exercise the right to opt out at any time, and 16 CFR 313.7 ( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As stated herein, as well as the enclosed letter which clearly signifies my right to opt out as stated in 6802 ( b ) : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX XXXX, an affiliate of XXXX XXXX XXXX has never disclosed this information to enable me as the consumer the opportunity to exercise the abovementioned Opt out rights afforded to me.
XXXX XXXX XXXX XXXXXXXX, an affiliate of XXXX XXXXXXXX XXXX ultimately sold/referred the debt to XXXX XXXX XXXX XXXX ( see enclosed exhibit XXXX ) but still continued/continues to report the above-mentioned account as CHARGED OFF to all of the major credit reporting agencies, despite the fact the account has been paid in full. ( See Exhibits XXXX & XXXX ). This ongoing negative reporting is causing irreparable injury, embarrassment, emotional damage, stress and humiliation to me and my family by being denied of loans, lines of credit and my ability to prosperously move forward financially in life by their violations of the laws stated herein. It has also come to my awareness that a CHARGE OFF is also considered as Certificate of Indebtedness ( COI ) which means that it considered as Income and must be removed from all credit reports. It is also illegal to report any negative transaction history to the major credit reporting agencies which XXXXXXXX XXXX XXXXXXXX XXXX, an affiliate of XXXX XXXXXXXX XXXX has in the past and continues to illegally report to this day.
17 CFR 248.7 - Form of opt out notice to consumers ; opt out methods ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose non-public personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
It is for the reasons stated herein and the protection of my rights as a consumer is why I am entitled to the remedy and relief sought in the form of XXXX XXXX XXXX XXXX an affiliate of XXXX XXXX XXXX correcting the record by removing all negative reporting, and negative credit history from any and all credit reporting agencies records, including but not limited to XXXX, XXXX, Transunion, and financial compensation for the violations committed which has caused irreparable harm, embarrassment, humiliation, mental anguish and undue financial hardships committed against me for which compensation in the amount of {$50000.00} ( XXXX XXXX USD ) should be granted in my favor.
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| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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THIS IS NOT A DUPLICATE FILING IT CONTAINS NEW INFORMATION AND SUBMISSIONS TO SATE ATTORNEY GENERALS To Whom it may concern, I was a victim of Identity theft and I have been working with over XXXX vendors and all three CRA for over a year to have them removed.
I was a CPS agent and was intentionally struck by a vehicle as a pedestrian on a well child check by a mother. As a result, I suffered XXXX XXXX XXXX XXXX and a XXXX XXXX XXXX that left me unable to care for myself and legally incapacitated and not able to make decisions for myself.
At that time, I became the documented victim of financial exploitation of a vulnerable adult.
I am also a XXXX XXXX XXXX and fled with my XXXX son XXXX miles. I am now facing homelessness with the XXXX XXXX due to the lender and most importantly the CRAs refusal to address the negative marks on my credit file.
Despite not being legally responsible as I was not able to make financial decisions at the time, the documented financial exploitation by law enforcement, and dozens of attempts to remove the items the CRA and lenders refuse to remove the negative accounts thus resulting in inaccurate histories and a massive drop in my credit number and file. As a result, I have been unable to find permanent housing and my son, and I ( XXXX XXXXXXXX ) are suffering financially and are housing unstable.
The lenders, and the CRA, are aware of this.
Therefore, I am asking the credit agency to SPECIFICALLY LIST AND EXPLAIN the EXACT REASON why the block is being denied, and to provide SUBSTANTIVE EVIDENCE AND JUSTIFICATION THAT PROVES the account was either a result of an error on my part, a misrepresentation, or to list and PROVE that I received goods or services or should have known I received goods and services as a result of the fraud.
As I have stated DOZENS of times to the CRA : XXXX. This report now, and the dozens made prior regarding this account WAS NOT MADE IN ERROR. I am AWARE that I am making this dispute request.
XXXX. This report now, and the dozens made prior regarding this account, IS NOT A MATERIAL MISREPRESENATION and my XXXX and injuries are supported by the Law Enforcement ( APS ) report and the fact that I am considered legally XXXX by the XXXX and receive SSDI as a result of the accident that left me unable to care for myself or make decisions for myself at the time of the fraud.
XXXX. I have never received any monies or goods as a result of this account. It is documented that I was the victim of XXXX XXXX as a result of the injury by XXXX XXXX, and the supporting documents and my XXXX proves it is IMPOSSIBLE for me to have known about any accounts taken out or monies/goods received at the time.
Once again, I would ask the supplier of this account and the CRA both be asked to provide INCONTROVERTABLE PROOF and SPECIFY which part of the CRA XXXX they are using to deny my dispute.
The CRA continues to simply send canned information and use stale reports from unscrupulous vendors to not do its job. When asked they do not provide ANY information to support the decision whatsoever.
I would ALSO like to note that the FCRA DOES NOT require the FTC report to be filed with law enforcement it simply stated it needs to be filed to complete the requirements for removal. However, the CRA continues to ask for this requirement at times and refuses to accept the XXXX report as a Law Enforcement document despite readily admitting it is aware that XXXX XXXX XXXX proper agency to serve vulnerable adults and children in the state and it was properly filed and handled.
However, as I stated, it is a moot point as the FCRA does not require a Law Enforcement report to be filed whatsoever, so it is not needed.
I WOULD ALSO LIKE TO POINT OUT THAT THE FCRA SPECIFICALLY STATES : FCRA 605B Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block.
However each and every lender and CRA is using the excuse the file was provided and it contained the correct and updated information to keep the mark in the file. Just because the stale and invalid information is in the file does NOT MEAN IT IS NOT FRAUD AND SHOULD BE DELETED AND/OR BLOCKED.
Victims of fraud and abuse are being re-victimized by both lenders and the CRA.
The lenders continue to allow electronic signatures with NO VALIDATION or any contact with the lendee whatsoever. As a result, if someone has the basic demographic information of an individual or is a person with access to that information as a guardian including ones bank account, it is EASY for that person to take out accounts of all sorts without the victim ever knowing about it.
The lender then simply states it has an e-signature and they do not have to provide any proof they contacted the victim or have a physical signature, and often tell that victim they do not care who repays them someone will most likely the victim in order for them to retrieve their good name and credit.
This is PREDATORY in nature and an act commonly being used as the benefits far outweigh the negative financial losses for lenders. The lender then resells the loan and states they do not have it any longer and can not ( they can ) remove the mark from the file and ask for repayment anyway when they are aware of the fraud, or send stale and improper information to the CRA over and over to keep the negative account on file and pressure the victim revictimizing them over and over.
The CRA accepts this stale information to avoid addressing the fraud and likewise continue to make monies from the vendors and send out canned emails that do not address the issue and often are full of contradictory and incoherent wording. As stated above, they list multiple reasons for the denial to block, but NEVER state which reason is being used to support the decision and do not provide evidence whatsoever to the victim.
It is a vicious circle.
I would ask that the agency please step in and force the Lenders and the CRA to begin properly blocking and removing these items when fraud is committed, and to provide SPECIFIC reasons to base denials upon and not just provide the generic wording of the FCRA that DOES NOT address INDIVIDUAL problems.
ALSO, as I have ALWAYS DONE, I am providing all needed demographic information at the end of this letter, and attaching ID, utility bills etc. as required by the FCRA.
The agencies CONTINUE to deny and list as a basis they need this information, despite it being provided dozens of times.
I have also attached FTC reports, BBB complaints, CFPB complaints, etc. In each AND EVERY COMPLAINT I provided all the above information, and it was provided by that agency to the lender and CRA yet they continue to claim they do not have it. This is either a result of incompetence, not reading the actual complaint or dispute, or intentional negligence.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( been there over 2 years and XXXX the FCRA requirement ) SS ending in XXXX XXXX XXXX ID attached Utility attached XXXX XXXX XXXX Enforcement Attached XXXX FTC Theft Report Attached BBB Complaint Attached State Attorney General Report Attached XXXX Complaint Attached Account XXXX XXXX XXXX Bank XXXX XXXX Date Opened XX/XX/2018 {$580.00} XXXX XXXX Credit Limit XXXX ( This can not be a charge off SOLD and ALSO being reported as current LATE payments ( over XXXX at the time of this letter. I would DEMAND that I be shown the bills sent to me and that I had available credit or the ability to even pay this bill. Of COURSE I AM NOT ADMITTING IT IS MINE AND I WILL NOT PAY OR TAKE RESPONSIBILTY FOR IT. It is being reported against my debt ratio, yet according to the lender the account it PAID and SOLD. They are playing every side of the fence in order to force me to pay this off despite it not being mine, and their statement that it is sold and they have no recourse for it or that I owe them anything at this point they stated I needed to get the debt buyer to remove their mark ( WHICH THEY HAVE ) and there is nothing they can do abut their reporting WHICH IS FALSE. However, they WOULD TAKE PAYMENT ( which is double dipping. ) This needs removed COMPLETELY.
XXXX XXXX XXXX XXXX Date Opened XX/XX/2018 {$3700.00} writtten off This loan is not mine and needs removed immediately. It is the direct result of fraud, and when the XXXX discovered this they sold the debt. They now refuse to remove their mark. The debt buyer has removed their account from the file, and recognized it as fraud.
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| 12/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH. REAGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY. PLEASE DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re-age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof where accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed three years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows : XXXX XXXX XXXX has three accounts that they have been re-aging. In the state that I reside, the law states that a debt can only be collected for three years and said debt can not be re-aged and/or reported as open per FCRA rules and guidelines.
XXXX XXXX has an account that they have been re-aging. In the state that I reside, the law states that a debt can only be collected for three years and said debt can not be re-aged and/or reported as open per FCRA rules and guidelines.
Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports.
Thanks, Happy Holidays XXXX XXXX XXXX
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate and unverified accounts that are currently appearing on my credit report. I am seeking your assistance in enforcing my legal rights under relevant consumer protection laws. These inaccuracies have had a profound impact on my financial well-being and have caused significant distress in my life.
As a diligent consumer, I have closely monitored my credit history to ensure its accuracy and to maintain my financial standing. However, I was dismayed to discover multiple accounts that have been inaccurately reported, and several of these accounts have not been properly verified. This situation has left me feeling helpless and anxious about my financial future.
The violations I believe have occurred include : Violation of the Fair Credit Reporting Act ( FCRA ) - Inaccurate Reporting : Creditor : XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : The reporting of inaccurate late payment information, which has significantly impacted my credit score and overall financial health.
Relevant FCRA Section : 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Violation of the Fair Credit Reporting Act ( FCRA ) - Failure to Update Inaccurate Information : Creditor : XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Despite my repeated attempts to correct the inaccurate information, the creditor has failed to update the reported data, which continues to harm my credit profile.
Relevant FCRA Section : 623 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Violation of Privacy Laws- Inclusion of Incorrect Address Information : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX This address belongs to someone else. Delete it from my report immediately.
Violation : Inclusion of incorrect personal information, including addresses, has compromised my privacy and potentially exposed me to identity-related risks.
Relevant Privacy Regulation : Gramm-Leach-Bliley Act ( GLBA ) Violation of the Fair Credit Reporting Act ( FCRA ) - Unauthorized Credit Pulls : Creditor : XXXX XXXX | XX/XX/XXXX XXXX do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX XXXX XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Creditor : XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Numerous unauthorized credit pulls have been conducted without my knowledge or consent, causing unwarranted negative impacts on my credit score and financial reputation.
Relevant FCRA Section : 604 - Permissible Purposes of Consumer Reports This situation has been devastating for me. As a [ mention personal background, e.g., hardworking parent, responsible homeowner, etc. ], the accuracy of my credit report is pivotal to securing my family 's financial stability and future aspirations. The emotional toll of constantly battling these inaccuracies has taken away my peace of mind and created undue stress that affects both my professional and personal life.
I kindly request that the Consumer Financial Protection Bureau take action to enforce my legal rights under the applicable laws and regulations. I implore you to investigate the aforementioned violations and ensure that the responsible creditors promptly and thoroughly address these issues. Specifically, I request the removal of the unverified accounts from my credit report, allowing me the chance to rebuild my financial standing on accurate and fair terms.
I appreciate your time and attention to this matter. Your intervention would provide much-needed relief and allow me to regain control of my financial well-being. I eagerly await your response and resolution to this distressing situation.
Thank you for your understanding and assistance.
Sincerely, XXXX XXXX
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| 10/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ), you XXXX be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX, XXXX XXXX Bankruptcy Status : XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : XX/XX/XXXX Asset Amount : XXXX Court : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX Bankruptcy Status : Discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX Closing Date : have violated my rights XXXX
, XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX High Balance : {$15000.00}, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX Account # : XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # : XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX Account # : XXXX XXXX XXXX XXXX Account # : XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$0.00} {$10.00}, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX Account # : XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, DEPT OF EDUCATIONXXXXXXXX Account Name : DEPT OF EDUCATIONXXXX Account # : XXXX, DEPT OF EDUCATIONXXXX Account Name : DEPT OF EDUCATIONXXXX Account # : XXXX High Balance : {$1700.00}, DEPT OF EDUCATIONXXXX Account Name : DEPT OF EDUCATIONXXXX Account # : XXXX High Balance : {$2800.00}, DEPT OF EDUCATIONXXXX Account Name : DEPT OF EDUCATIONXXXX Account # : XXXX High Balance : {$1700.00}, DEPT OF EDUCATIONXXXX Account Name : DEPT OF EDUCATIONXXXX Account # : XXXX High Balance : {$1700.00}, XXXX XXXX XXXX Account Name : DEPT OF EDUCATIONXXXX Account # : XXXX High Balance : {$3000.00}, XXXX Account Name : XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX, This letter is being sent to you in response to notices sent to me from your company and more importantly , due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report XXXX Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by XXXX.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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| 03/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
Creditor Name : XXXX XXXX & XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed.
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : US DEPARTMENT OF EDUCATION ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. SEND ME PROOF!
Creditor Name : XXXX XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
Creditor Name : XXXX XXXX XXXX ACCOUNT Number : XXXX DATE REPORTED : XX/XX/XXXX Explanation : Please verify and validate all data for this account, every notation, dates and balances, whether reported or not. I would like to be provided proof as per FCRA Sec. 605, 609 and 623. Without, it must be removed. NO CONTRACT. I HAVE NEVER HAD A CONTRACT WITH THIS COMPANY.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
8. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
9. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
10. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
11. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This complaint is against XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION LLC et al XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al | XXXX, XXXX et al, XXXX XXXXXXXX et al and the Presidents/CEO/Acting CEO/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( s ) AND file ( s ) have erroneous reporting from XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION LLC et aXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION LLC et XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Assistance et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and acting CEO/Presidents, et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from XXXX, XXXX XXXX XXXX XXXX, et al, which means they are in direct violation of 15 USC 1692 G ( a ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etc. with XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH XXXX XXXX XXXX XXXX et al | TRANSUNION/TRANSUNION LLC et al XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al, or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do i want to contracXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION/TRANSUNION LLC et al XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AXXXX XXXXXXXX al XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al. We are not a consumer of XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and never was. We are not a customer nor patron XXXX XXXX XXXX XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al and never was, and Equifax/Equifax Information Services XXXX et al | TRANSUNION/TRANSUNION XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al nor have we ever been. We do not want to enter in to any binding contracts, agreements, or consents with XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION LLC eXXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt al. We never consented nor gave express permission in any form to XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION LLC eXXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION LLC XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al offers to contract. We DO NOT consent to ANY non-affiliated third-party XXXX XXXX XXXX XXXX XXXX XXXX al | TRANSUNION/TRANSUNION LLC et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ) to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION XXXX XXXX al XXXX EXPERIAN et al | XXXX Consumer Assistance et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy.
Due to the nature of these multiple illegal and unlawful violations against us, XXXX XXXX XXXX XXXX XXXX al | TRANSUNION/TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al, we are DEMANDING {$11000.00} PER VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION.
XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Assistance et al | LEXISNEXIS/LexisNexis Risk Solutions et al | XXXX, XXXX et al, CoreLogic XXXX et al has harmed us. XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION LLC XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al has/is caused/causing financial hardships, health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By XXXX BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION XXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX et al and I HAVE NO LAWFUL NOR LEGAL OBLIGATIONS to even communicate with Equifax/EqXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al.
BE IT KNOWN NOW AND FOREVER, this is NOTICE TO XXXX XXXX XXXX XXXX XXXX al XXXX TRANSUNION/TRANSUNION LLXXXX XXXX al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al ; CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that XXXX XXXX XXXX XXXX XXXX al | TRANSUNION/TRANSUNION LLC et al XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt al obtained/PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. XXXX XXXX XXXXes XXXX et al | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX et al shall also know that in the XXXX XXXX, Plaintiff, vs. XXXX XXXX, No. XXXX XXXX UNITED STATES XXXX XXXX FOR THE DISTRICT OF XXXX XXXX the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY.
This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to : CCC Verify et al, | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect EMPLOYER XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect EMPLOYER : XXXX XXXXXXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account XXXX : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX
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| 04/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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My name is XXXX XXXX XXXX, a XXXX XXXX XXXX at XXXX University and XXXX XXXXXXXX by profession, and Im sending this letter and/or correspondence formally disputing several inaccurate, aged, and duplicate information that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX, XXXX, TRANSUNION, XXXX, XXXX, XXXX, XXXX, and any other Credit Reporting Agencies ( individually and/or collectively the CRA and/or Defendant and Disputed Account Holders ) have falsely, fraudulently, and with malicious intent in Bad Faith have reported on my personal Credit File, which has caused me irreparable harm, emotional harm and distress, damages, loss of income and employment, and loss of being extended Credit Opportunities over the last 5 years XXXX
Over the last five ( 5 ) years I, XXXX XXXX XXXX ( Consumer and/or Plaintiff ), have been DENIED access to extended credit opportunities via Credit Cards , Lines of Credit for my Businesses , and even been denied employment and professional advancement opportunities because of the numerous, egregious, fraudulent, unauthenticated, and negligently reported INACCURATED, AGED, DUPLICATE ACCOUNTS, and/or NOT MINE but are still being negatively reported on my credit file. These negative reports has caused me irreparable harm, emotional harm and distress, damages, loss of income and loss of employment opportunities via my inability to have my Secret level security clearance restored because of the fraudulently perceived Bad Credit image that has been falsely stained my character by XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and other Credit Reporting Agencies ( individually and/or collectively the CRA and/or Defendant and Disputed Account Holders ), all in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq.
I recently applied for a Commercial Realestate Loan for a property that I was looking to purchase for my business and potentially build a primary homesite for me and my family in my hometown of XXXX XXXX, GA. HOWEVER, I have been DENIED the extension of credit by the lending institution because XXXX XXXX ) reported by Credit Score to them at a XXXX rating ; and 2 ) have negatively and falsely reported me having over XXXX instances of DELINQUENCIES and/or LATE PAYMENTS over 90 days, which is wholly INACCURATE and mathematically IMPOSSIBLE!!!! See Exhibits A & B.
XXXX. HISTORY OF CONSUMERS EDUCATION / STUDENT LOANS BEING INITIATED, SERVICED, SOLD, AND RESOLD BY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CAUSING IRREPARABLE HARM TO CONSUMER I graduated from XXXX XXXX in XX/XX/XXXX with my XXXX XXXX XXXX with XXXX Student Loan debt because I had a XXXX XXXX SCHOLARSHIP!!
I then graduated from XXXX XXXX XXXX XXXX XXXX XXXXXXXX University in XX/XX/XXXX with my XXXX in XXXX XXXX, again, with XXXX Student Loan debt because I had a XXXX XXXX XXXX SCHOLARSHIP!!
I began my XXXX XXXX program part-time in XX/XX/XXXX. According to my XXXX University XXXX Account printout by Term, I ONLY OWE A TOTAL OF {$98000.00} in total Student Loan Debt and ALL of it has been at XXXX University for my XXXX XXXX program!!!
When I secured my initial student loans through XXXX University, XXXX XXXX XXXX ( XXXX ) was the initial loan servicer for my student loans on behalf of the U.S. Department of Education. Then after about two years, my student loans were SOLD/ TRANSFERRED from XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) as the new owner and/or Servicer of the student loans. This is documented via Exhibit A, Pages 6 10, for all of the following student loan accounts : XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$3400.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$8500.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$12000.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$9300.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$10000.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$8500.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$20000.00} XXXX ) # XXXX - US DEPARTMENT OF EDU XXXX Account Number XXXX - {$10000.00} The collective loan amounts borrowed from XXXX, which were eventually transferred to XXXX, totals {$82000.00} which is directly consistent with the student loan amounts shown on my XXXX University Account Summary by Term, enclosed as Exhibit C.
Beginning around fiscal year XXXX or so, my student loans were again SOLD/ TRANSFERRED from XXXX as the owner and/or loan servicer over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX who is now the current loan servicer for my student loans on the behalf of the U.S. Department of Education XXXX XXXX, when my student loans were received by XXXX they ASSIGNED NEW ACCOUNT NUMBERS TO MY LOANS WHICH CREATED NEW AND DUPLICATE INSTALLMENT ACCOUNTS TO SHOW UP ON MY CREDIT PROFILE!!! This is documented via Exhibit A, Pages 10 13, for all of the following student loan accounts : XXXX ) # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account XXXX - {$20000.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$8500.00} XXXX ) # XXXX - DEPT OF ED/XXXX XXXX Account XXXX - {$9300.00} XXXX XXXX # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$8500.00} XXXX ) # XXXX XXXX DEPT OF EDXXXX XXXX Account XXXX - {$3400.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$12000.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$10000.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$10000.00} The collective loan value of these student loan installment accounts owned and/or serviced by XXXX totals {$82000.00} which again is the EXACT TOTAL for the SAME eight ( 8 ) installment accounts as listed above that were transferred over to them from XXXX and XXXX!!! Additionally both XXXX and XXXX still continued to negligently report the same accounts which they previously SOLD to XXXX on my credit profile which has now created DUPLICATE ACCOUNTS for the EXACT SAME STUDENT LOAN ACCOUNTS which has surely injured and caused irreparable harm to the consumer for the last 10 years at a minimum and continuing to date.
Lastly, in XX/XX/XXXX I took advantage of the COVID-19 offer by the U.S. Department of Education to both 1 ) Consolidate my current Student Loans ; and 2 ) to have all of my student loan Payments deferred until AFTER the worldwide pandemic and National Emergency had been lifted by Congress via the CARES Act. As such, I consolidated ALL of my student loan debt directly with the DEPARTMENT OF EDUCATION as the owner and creditor of my new CONSOLIDATED student loans. XXXX is still the current Loan Servicer of my student loans on the behalf of the U.S. Department of Education. See Exhibits J & K. This is documented via Exhibit A, Page 5, for all the following student loan accounts which initially appeared on my credit profile on XX/XX/XXXX : XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$61000.00} XXXX ) # XXXX - DEPT OF EDXXXX XXXX Account XXXX - {$110000.00} The collective loan value of these newly CONSOLIDATED student loan installment accounts now owned EXCLUSIVELY by the U.S. Department of Education, and now serviced by XXXX totals {$170000.00} which again appears to be inclusive of the U.S. Department of Education FRAUDULENTLY PAY FOR THE VALUE OF MY STUDENT LOANS THREE ( 3 ) TIMES TO EACH OF THE XXXX, XXXX, AND XXXX XXXX XXXX XXXX XXXX!! XXXX As such, the Federal Government has already PAID IN FULL and CLOSED all of the SAME 16 student loan installment accounts as listed above that were transferred over to the Federal government from XXXX, XXXX and XXXX!!! UNFORTUNATELY, XXXX, XXXX and XXXX all still continued to negligently, inaccurately, and egregiously report the same accounts which they previously SOLD back to the Department of Education on my credit profile which has now created at total of 16 INACCURATE and DUPLICATE ACCOUNTS for the EXACT SAME STUDENT LOAN ACCOUNTS which has surely injured and caused irreparable harm to the consumer for the last 10 years at a minimum and continuing to date, which clearly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Maryland Consumer Credit Reporting Agencies Act, Annotated Code of Maryland, Commercial Law Article, 14-1201, et seq., and the Maryland Consumer Protection Act ( MCPA ), Md. Code ( 2013 Repl. Vol., 2017 Supp. ), 13-101 et seq. of the Commercial Law Article ( C.L. ).
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| 11/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX, XXXX, and Transunion continue to report my transaction history with XXXX XXXX XXXX on my consumer report. The account listed as XXXX XXXX XXXX is my personal consumer account which violated my consumer rights. Per the privacy acct of 1974 ( 5 U.S.C. 552a ) I have a right to protect my nonpublic information from ever being shared without my written consent. The reporting agencies ASSUMED the role to furnish consumer reports but they must follow instructions from the consumer. I have not authorized them to furnish my transaction history from XXXX XXXX XXXX if you have such proof that bears my signature produce them immediately.
( XXXX ) permit the individual who disagrees with the refusal of the agency to amend his record to request a review of such refusal, and not later than 30 days ( excluding XXXX, XXXX, and legal public holidays ) from the date on which the individual requests such review, complete such review and make a final determination unless, for good cause shown, the head of the agency extends such XXXX period ; and if, after his review, the reviewing official also refuses to amend the record in accordance with the request, permit the individual to file with the agency a concise statement setting forth the reasons for his disagreement with the refusal of the agency, and notify the individual of the provisions for judicial review of the reviewing officials determination under subsection ( g ) ( 1 ) ( A ) of this section ; ( 4 ) in any disclosure, containing information about which the individual has filed a statement of disagreement, occurring after the filing of the statement under paragraph ( 3 ) of this subsection, clearly note any portion of the record which is disputed and provide copies of the statement and, if the agency deems it appropriate, copies of a concise statement of the reasons of the agency for not making the amendments requested, to persons or other agencies to whom the disputed record has been disclosed ; and ( 5 ) nothing in this section shall allow an individual access to any information compiled in reasonable anticipation of a civil action or proceeding.
( e ) Agency Requirements.Each agency that maintains a system of records shall ( 1 ) maintain in its records only such information about an individual as is relevant and necessary to accomplish a purpose of the agency required to be accomplished by statute or by executive order of the President ; ( 2 ) collect information to the greatest extent practicable directly from the subject individual when the information may result in adverse determinations about an individuals rights, benefits, and privileges under Federal programs ; ( 3 ) inform each individual whom it asks to supply information, on the form which it uses to collect the information or on a separate form that can be retained by the individual ( A ) the authority ( whether granted by statute, or by executive order of the President ) which authorizes the solicitation of the information and whether disclosure of such information is mandatory or voluntary ; ( B ) the principal purpose or purposes for which the information is intended to be used ; ( C ) the routine uses which may be made of the information, as published pursuant to paragraph ( 4 ) ( D ) of this subsection ; and ( D ) the effects on him, if any, of not providing all or any part of the requested information ; ( 4 ) subject to the provisions of paragraph ( 11 ) of this subsection, publish in the Federal Register upon establishment or revision a notice of the existence and character of the system of records, which notice shall include ( A ) the name and location of the system ; ( B ) the categories of individuals on whom records are maintained in the system ; ( C ) the categories of records maintained in the system ; ( D ) each routine use of the records contained in the system, including the categories of users and the purpose of such use ; ( E ) the policies and practices of the agency regarding storage, retrievability, access controls, retention, and disposal of the records ; ( F ) the title and business address of the agency official who is responsible for the system of records ; ( G ) the agency procedures whereby an individual can be notified at his request if the system of records contains a record pertaining to him ; ( H ) the agency procedures whereby an individual can be notified at his request how he can gain access to any record pertaining to him contained in the system of records, and how he can contest its content ; and ( I ) the categories of sources of records in the system ; ( 5 ) maintain all records which are used by the agency in making any determination about any individual with such accuracy, relevance, timeliness, and completeness as is reasonably necessary to assure fairness to the individual in the determination ; ( 6 ) prior to disseminating any record about an individual to any person other than an agency, unless the dissemination is made pursuant to subsection ( b ) ( 2 ) of this section, make reasonable efforts to assure that such records are accurate, complete, timely, and relevant for agency purposes ; ( 7 ) maintain no record describing how any individual exercises rights guaranteed by the First Amendment unless expressly authorized by statute or by the individual about whom the record is maintained or unless pertinent to and within the scope of an authorized law enforcement activity ; ( 8 ) make reasonable efforts to serve notice on an individual when any record on such individual is made available to any person under compulsory legal process when such process becomes a matter of public record ; ( 9 ) establish rules of conduct for persons involved in the design, development, operation, or maintenance of any system of records, or in maintaining any record, and instruct each such person with respect to such rules and the requirements of this section, including any other rules and procedures adopted pursuant to this section and the penalties for noncompliance ; ( 10 ) establish appropriate administrative, technical, and physical safeguards to insure the security and confidentiality of records and to protect against any anticipated threats or hazards to their security or integrity which could result in substantial harm, embarrassment, inconvenience, or unfairness to any individual on whom information is maintained ; ( 11 ) at least 30 days prior to publication of information under paragraph ( 4 ) ( D ) of this subsection, publish in the Federal Register notice of any new use or intended use of the information in the system, and provide an opportunity for interested persons to submit written data, views, or arguments to the agency ; and ( 12 ) if such agency is a recipient agency or a source agency in a matching program with a non-Federal agency, with respect to any establishment or revision of a matching program, at least 30 days prior to conducting such program, publish in the Federal Register notice of such establishment or revision.
( f ) Agency Rules.In order to carry out the provisions of this section, each agency that maintains a system of records shall promulgate rules, in accordance with the requirements ( including general notice ) of section 553 of this title, which shall ( 1 ) establish procedures whereby an individual can be notified in response to his request if any system of records named by the individual contains a record pertaining to him ; ( 2 ) define reasonable times, places, and requirements for identifying an individual who requests his record or information pertaining to him before the agency shall make the record or information available to the individual ; ( 3 ) establish procedures for the disclosure to an individual upon his request of his record or information pertaining to him, including special procedure, if deemed necessary, for the disclosure to an individual of medical records, including psychological records, pertaining to him ; ( 4 ) establish procedures for reviewing a request from an individual concerning the amendment of any record or information pertaining to the individual, for making a determination on the request, for an appeal within the agency of an initial adverse agency determination, and for whatever additional means may be necessary for each individual to be able to exercise fully his rights under this section; and ( 5 ) establish fees to be charged, if any, to any individual for making copies of his record, excluding the cost of any search for and review of the record.
The Office of the Federal Register shall biennially compile and publish the rules promulgated under this subsection and agency notices published under subsection ( e ) ( 4 ) of this section in a form available to the public at low cost.
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| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Sir/Madam, I am writing to file a final dispute with the Consumer Financial Protection Bureau ( CFPB ) regarding multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by various creditors. I kindly request the CFPB 's assistance in enforcing my legal rights in this matter and seek redress for the profound impact these violations have had on my life.
Account Information, Account Numbers, and Violations : XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX XXXXXXXX - Account Number : XXXX Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) XXXX XXXX ( XX/XX/XXXX ) - Violation : Reporting inaccurate account information FCRA Violation : Section 1681s-2 ( a ) ( 1 ) ( B ) These creditors have not only reported inaccurate account information but have also failed to verify and rectify these discrepancies, causing immense distress and harm to my financial well-being and personal life.
Allow me to share the emotional toll these inaccuracies have taken on my life. As a single parent supporting XXXX children, my creditworthiness is critical for our financial stability. The inaccuracies on my credit report have impeded my ability to secure affordable housing, obtain reasonable interest rates on loans, and even find stable employment.
I vividly remember the day when my application for a much-needed apartment was denied due to these erroneous entries on my credit report. My children and I were left without a home, and the uncertainty and XXXX we experienced were indescribable. This injustice has not only affected our housing but has also caused severe emotional distress, sleepless nights, and strained relationships.
Furthermore, the inflated interest rates on loans I was forced to accept due to my tarnished credit history have burdened me with financial obligations that are difficult to meet. The stress of living paycheck to paycheck, struggling to make ends meet, and the constant fear of falling behind on bills have taken a toll on my mental and physical well-being.
I implore the Consumer Financial Protection Bureau to enforce the provisions of the FCRA and FDCPA and compel these creditors to remove the unverified accounts from my credit report. This action is not only necessary for my financial recovery but also for the well-being and future opportunities of my children.
Thank you for your attention to this matter. I eagerly await your response and resolution to this ongoing issue.
Sincerely, XXXX XXXX XXXX
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| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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" According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states '' There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
" Reported : XXXX XXXX, XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that 'In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. " XXXX. XXXX, XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} the financial institution and the Consumer reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Transunion XXXX, XXXX. XXXX, XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXXXXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX, XXXX + {$1000.00} Needs Attention XXXX XXXX XXXX / XXXX Reported : XXXX XXXX, XXXX + {$560.00} Needs Attention XXXX XXXX Reported : XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$440.00} Closed XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$560.00} Closed XXXX Reported : XXXX XXXX, XXXX + {$990.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX + {$160.00} Closed XXXX XXXX XXXX Reported XXXX XXXX XXXX, XXXX + {$1500.00} Closed XXXX XXXX XXXX XXXXXXXX MI XXXX XXXX XXXX XXXX XXXX XXXX + {$930.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$630.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$400.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX + {$1200.00} Closed XXXX XXXX Reported : XXXX XXXX XXXX XXXX XXXX {$430.00} Closed XXXX XXXX Reported : XXXX XXXX, XXXX + {$2.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX Reported : XXXX. XXXX, XXXX + {$0.00} Closed XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$0.00} XXXX XXXX Reported : XXXX XXXX, XXXX + {$350.00} Closed XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX {$200.00} Needs Attention XXXX Reported XXXX XXXX XXXX, XXXX {$300.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Closed XXXX Reported : XXXX XXXX, XXXX {$0.00} Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 168le states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services
|
| 06/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. ( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information. This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately : 1. The following account is not mine XXXX XXXX Account XXXX Please remove it from my credit report.
2. The following account is not mine XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
3. The following account is not mine XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. The following account is not mine XXXX Account NumberXXXX Please remove it from my credit report.
5. The following account is not mine XXXX XXXX Account NumberXXXX Please remove it from my credit report.
6. The following account is not mine XXXX XXXX XXXX Account NumberXXXX Please remove it from my credit report.
7. The following account is not mine XXXX XXXX XXXX Account Number:XXXX Please remove it from my credit report.
8. The following inquiry is not mine XXXX Account Number : Please remove it from my credit report.
9. The following inquiry is not mine XXXX XXXX Account Number : Please remove it from my credit report.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
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| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXXXXXX XXXX XXXX XXXXXXXX and TransUnion on any of my consumer report to provide and exchange any information to each other.
TransUnion is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name Acoount Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent TransUnion a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX XXXXXXXX XXXX anymore they have sold the account to a collection agency XXXX XXXX XXXX XXXX ) WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, Trans Union, XXXX with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, TransUnion is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. XXXX5 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXXXXXX XXXX XXXXXXXX XXXX or TransUnion, the permission Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXXXXXX XXXX XXXXXXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. TransUnion is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. TransUnion IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX XXXXXXXX XXXX or TransUnion to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX XXXXXXXX XXXX by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. TransUnion and XXXXXXXX XXXX XXXX XXXX is in violation of my privacy rights Per the Privacy Act of 1974 Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice TransUnion and XXXX XXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that TransUnion and XXXX XXXX XXXX XXXX is abusing and violating.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully, XXXX XXXX
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( XXXX ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
To Whom It May Concern, In the course of recently screening my personal Transunion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
3. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
4. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
5. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
6. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 10/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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XXXX To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX, XXXX XXXX, California XXXX. I have provided a copy of my identification documents for you to verify my social security numbers. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my XXXX Credit Report. To Whom It May Concern, In the course of recently screening my personal XXXX credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX Account Number : XXXX - {$1200.00} -- This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX XXXX 2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - {$990.00} -- This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX XXXX 3. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX - {$900.00} XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
4. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX -- Account Number : XXXX - {$1400.00} - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
5. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. - XXXX XXXX - Account Number : XXXX - {$710.00} - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
6. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX Account Number : XXXX - {$150.00} - This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required. To that end, further, I am also requesting that they remove any and all of my personal information from their records. The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/1980 in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Ive reached out to on XX/XX/XXXX to XXXXTRANSUNION/XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) XXXX XXXX XXXX Case XXXX XXXX XXXX Docket Number XXXX ) XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt XXXX/TransunionXXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have sent over a state.
Attorney Generals report a FTC complaint an BBB COMPLAINT about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts hat my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( XXXX/TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXX this XXXX to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNION/. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the collection account placed on my credit report by XXXX XXXX XXXX, which was the original creditor XXXX XXXX XXXX XXXX The account number is XXXX.
According to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX violated Section 607 by failing to provide accurate information to the consumer reporting agencies. Specifically, they falsely reported my payment status as past due 120 days without ever notifying me or providing any paperwork. Additionally, XXXX and XXXX reported negative information on my account, but TransUnion did not.
XXXX XXXX XXXX also violated Section 611 by failing to follow proper dispute procedures. I never received any notification regarding this past due status, yet it was reported on my credit report. When I disputed the accuracy of the information with the consumer reporting agencies, XXXX XXXX XXXX failed to investigate the dispute and correct the inaccurate information.
Furthermore, the Fair Debt Collection Practices Act ( FDCPA ) was violated by XXXX XXXX XXXX under Sections 807 and 808 for falsely reporting information and engaging in unfair practices. They also violated Section 809 by failing to properly validate the debt and respond to my requests for information.
In addition, the Fair and Accurate Credit Transactions Act ( FACTA ) was violated by XXXX XXXX XXXX under Sections 312 ( a ) ( 1 ), 312 ( b ), and 312 ( c ) by failing to provide accurate information, correct and update information, and verify disputed information.
Under the Truth in Lending Act ( TILA ), Section 128 and 129, XXXX XXXX XXXX violated requirements for accurate information and open-end consumer credit plans.
XXXX XXXX XXXX also violated the Real Estate Settlement Procedures Act ( RESPA ) under Sections 2605, 2607, and 2608 by failing to properly service my mortgage loans and administration of escrow accounts, accepting kickbacks and unearned fees, and causing liability of the seller.
Finally, the Equal Credit Opportunity Act ( ECOA ) was violated under Sections 701, 703, 704, and XXXX for prohibited discrimination, administrative enforcement, civil liability, and prohibited acts.
I have noticed that XXXX XXXX XXXX has reported different information to different credit bureaus, including inaccurate account type, date opened, and high credit balance. These inconsistencies have had a negative impact on my credit score and my ability to access credit.
As per the Fair Credit Reporting Act ( FCRA ) Sections 607 and 623, it is the duty of furnishers of information to consumer reporting agencies to ensure that the information they report is accurate. However, in my case, XXXX XXXX has failed to fulfill this obligation, which has resulted in unfair and damaging effects on my creditworthiness.
XXXX XXXX XXXX The information provided by the creditor is incomplete and inaccurate, which has had a negative impact on my credit score and my ability to access credit.
According to the Fair Credit Reporting Act ( FCRA ) Section 607 and 623, XXXX XXXX has failed to report accurate account type, monthly payment amount, and high credit balance to all three credit reporting agencies. Furthermore, XXXX XXXX may have failed to correct inaccurate information on my credit reports, which is a violation of Section 623 of the FCRA.
In addition, XXXX XXXX may have violated the Fair and Accurate Credit Transactions Act ( FACTA ) Section 312 ( a ) ( 1 ) by reporting inaccurate information to the credit reporting agencies, including the account type, monthly payment amount, high credit balance, and last reported date. These inaccuracies have caused significant harm to my credit standing and financial well-being.
XXXX XXXX XXXX on my credit report. I have discovered that XXXX XXXX has reported inaccurate account type, monthly payment amount, and high credit balance to some of the credit reporting agencies. Additionally, XXXX XXXX has failed to correct the inaccurate information on my credit report.
These inaccuracies have had a significant impact on my life. Due to the erroneous information on my credit report, I have been denied credit, employment, and other opportunities. This has caused me undue stress and hardship, and has negatively affected my financial well-being.
I believe that XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) in several ways. Specifically, XXXX XXXX may have violated Section 607 of the FCRA by failing to report accurate account type, monthly payment amount, and high credit balance to all three credit reporting agencies. Additionally, XXXX XXXX may have violated Section 623 of the FCRA by failing to correct the inaccurate information on my credit report. Finally, XXXX XXXX may have violated Section 312 ( a ) ( 1 ) of FACTA by reporting inaccurate information to the credit reporting agencies, including the account type, monthly payment amount, high credit balance, last reported date, and date last active.
XXXX for account number XXXX. According to my credit report from TransUnion, the payment status is listed as Collection, but I have never received any notification from XXXX regarding this collection account. Additionally, the other two credit bureaus are not reporting any negative information on my account.
I believe XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ). Specifically, Section 609 - Disclosures to Consumers, as XXXX failed to provide me with written notice of the negative information placed on my credit report. Section 611 - Procedure in case of disputed accuracy, as XXXX failed to investigate the disputed negative information in a timely manner. And Section 623 - Responsibilities of furnishers of information to consumer reporting agencies, as XXXX failed to correct inaccurate information on my credit report.
XXXX. Specifically, the account number XXXX has been reported inaccurately to the credit reporting agencies, with conflicting information on the account type, details, and high credit balance.
Furthermore, XXXX has reported that the payment status is seriously past due date/assigned to attorney, collection agency, or credit grantor 's internal collection department, but I have never received any notification from XXXX regarding this collection account. I have also not been provided with any paperwork by XXXX or the collection agency, and the other two credit reporting agencies have not reported any negative information on my account.
This inaccurate and unverified information has had a significant impact on my life. It has made it difficult for me to obtain credit, resulting in higher interest rates and unfavorable terms. It has also caused me emotional distress, as I have worked hard to maintain good credit and financial responsibility.
I believe that XXXX has violated several sections of the Fair Credit Reporting Act, including Section 607, 623, and 616. Furthermore, if XXXX has assigned the account to a collection agency, they may have violated Section 809 by failing to provide me with written verification of the debt upon request.
XXXX XXXX XXXX XXXX XXXX to my credit reports from TransUnion and XXXX, there are discrepancies in the account information being reported by XXXX & XXXX XXXX
TransUnion is reporting the account type as a revolving account, while XXXX is reporting it as a charge card. Additionally, TransUnion has not reported the number of months/terms for the account, whereas XXXX is XXXX it as a revolving account. Furthermore, TransUnion is reporting a high credit balance of {$5100.00}, which XXXX did not report.
Furthermore, XXXX is reporting that I was 120 days late on XX/XX/XXXX, but I have not missed any payments on this account. XXXX XXXX XXXX has failed to correct this inaccurate information on my credit report.
These inaccuracies have had a severe impact on my life. I have been denied credit and loans due to these negative marks on my credit report, which has prevented me from being able to purchase a home and provide for my family. It is unacceptable that XXXX XXXX XXXX has reported false information that has had such a detrimental effect on my life.
I am requesting that XXXX XXXX XXXX XXXX XXXX unverified negative marks from my credit report immediately. These actions may be in violation of Section 607 and 623 of the Fair Credit Reporting Act ( FCRA ), as well as Section 610 which requires written notice of negative information placed on a credit report.
I urge the Consumer Financial Protection Bureau to enforce these laws and hold XXXX XXXX XXXX XXXX for their actions. Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
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| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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Skip to main content Reports & Scores Finances Protection Credit Cards Loans Auto XXXX TL XXXX XXXX TransUnion Compare All Close COVID-19 Update Get help from your lenders. If you know you can't pay all your bills at this time, contact your lenders and ask about hardship options as soon as possibleideally before you miss a payment. As the COVID-19 pandemic continues, many lenders are putting policies in place to help customers who may need extra time to pay their bills.
Lenders may be able to temporarily lower your interest rate or payment amount, or pause your payments for a period of time. Lenders may also be able to place your loans in deferment or forbearance. You don't have to make loan payments when a loan is in deferment or forbearance, and the lender will not report late payments to the credit bureaus.
Lastly, your lender may report the account to XXXX with a statement that indicates you have been affected by a natural or declared disaster, which can help protect your credit history and credit scores.
Your XXXX Credit Report from XX/XX/XXXX Showing report for : XX/XX/XXXX XXXX XXXX Learn more XXXX Data XX/XX/XXXX XXXX Poor XXXX Instantly raise your XXXX Score XXXX XXXX gives you credit for the utility and mobile phone bills you're already paying.
credit-boost-image Get a quick view of what lenders see Accounts Summary Open accounts 4 Self-reported accounts 0 Accounts ever late 2 Closed accounts 10 Collections 0 Overall Credit Usage 0 % Credit used {$0.00} Credit limit {$1800.00} Debt Summary Credit card and credit line debt {$0.00} Self-reported account balance ( s ) {$0.00} Loan debt {$55000.00} Collections debt {$0.00} Total debt {$55000.00} 1/3 Why payment history matters Payment history makes up 35 % of your FICO Score. Late payments stay on your report for 7 years, but they typically affect your score less over time.
Your XXXX credit file is locked Keep your XXXX Credit File locked to prevent identity theft.
You have 4 open accounts 2 credit card and credit line accountsTotal balance : {$0.00} XXXX XXXX {$0.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX/XXXX {$0.00} Balance updated XX/XX/XXXX Exceptional payment history You have a thin credit file Having less than 5 open accounts can make you look somewhat risky to lenders. You have 4 open accounts, some lenders would consider you a " thin file '' 3 closed accounts 1 auto accountTotal balance : {$49000.00} XXXX XXXX {$49000.00} Balance updated XX/XX/XXXX Exceptional payment history XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$39000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$39000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - NA - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Joint Account Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX By Mail Only Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$23000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$23000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - NA - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX By Mail Only Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$16000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - NA - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 61 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XXXX XXXX, XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$37000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$37000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - NA - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
XXXX XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$30000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$30000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - - - XXXX - - - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
XXXX XXXX XXXX XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - {$19000.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount {$19000.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - - - - - XXXX XXXX XXXX XXXX XXXX - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Signer Terms 60 Months Company sold - Original creditor - Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, AL XXXX By Mail Only Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
XXXX XXXX - Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Balance on XX/XX/XXXX Loan Amount - - Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Original loan amount - Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - NA - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms 72 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Oklahoma XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern, This Is my lastwritten request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection wit You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.
I 1. there is some inaccurate information reporting.
XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXXXXXX 6. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove from my credit report.
11. The following personal information is incorrect Account Number : EMPLOYER : XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Delete this account.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
15. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The inquiry was not authorized XXXXL Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
23. The inquiry was not authorized CPS Date of inquiry : XX/XX/XXXXXXXX Delete this account.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Delete this account.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
30. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXXXXXX Delete this account.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
32. The inquiry was not authorized XXXXY Date of inquiry : XX/XX/XXXXXXXX Delete this account.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : 0XX/XX/XXXXXXXX Please remove it from my credit report.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX CA Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
44. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
45. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXXXXXX 46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Delete this account.
47. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
48. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
49. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
50. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX Date of inquiry : XX/XX/XXXXXXXX Please remove it from my credit report.
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have asked this company to remove my financial information from my consumer reports and they denied it. Because of this, they have defamed my character and caused me damages. I could not purchase a home or get approved for another credit card. I demand that this company complies with federal law because they have violated both my privacy and FCRA laws 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or ( D ) a communication described in subsection ( o ) or ( x ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
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| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I applied for a credit card with XXXX XXXX XXXX on XX/XX/XXXX and received a hard inquiry for this on that exact date, which I knew would obviously happen. From this date until XX/XX/XXXX I was in communication with them as they sent me letters saying my application was still in process as they needed to verify my identity. Because of another credit card company creating a fraud alert issue on my report, Im now having to get used to credit card companies needing to take extra steps to verify my identity before approving any applications. This means they will typically send me a letter after I apply asking me to send them 1 proof of identity and 1 proof of address. I have no problem doing this if Im obviously the one applying and am usually approved the very next day.
For this case, when I applied on XXXX XXXX I immediately received an automated message saying credit card application can not be finalized at this time as additional information is required to complete the application process. Because of the above fraud alert issue, I expected this to happen. To help speed up the process, I went ahead and called into their application line [ XXXX at XXXX on XX/XX/XXXX for 7 minutes ] and spoke to their customer service team to ask them what documentation they need to verify my identity. They said I had to submit proof of address, such as a utility bill. I told them I could send them a copy of my gas bill and ask for an email or fax number to send it to them at that moment. They provided me with the email XXXX. I emailed them the proof at XXXX and received an automated confirmation that it was received a moment after.
About a week after this, I received a letter dated XXXX in the mail requesting proof of identity. I figured this was an automated letter that was sent out the day after I had applied. The letter stated to send proof of my identity and address. It gave me the following options for identity : social security card, paystub with social security card or W2 form. It gave me the following options for address : drivers license, utility bill, paystub with address or rental/lease agreement/house deed. As I had already provided my social security in the application, confirmed my identity over the phone with the customer service rep on XXXX and the rep I spoke to on XXXX said I only needed proof of address, which I had emailed on XXXX I thought I had nothing more to submit. I therefore just continued to wait for my application approval. Id also like to note here that my application was done through XXXX XXXX XXXX, which is a pre-approval credit card software system.
On XXXX XXXX XXXX as I have yet to hear from anyone about my application and am concerned as I had provided their required proof the day I applied, I decided to call their customer service line [ XXXX at XXXX on XX/XX/XXXX for 9 minutes ] and spoke to their team. I explained all of the above and was told that the identity proof is in fact required after all. I therefore send another email with my identity proof of choice, which is a W2 form. The customer rep I spoke to on the phone this day confirmed this was an acceptable form of proof, just as the XX/XX/XXXX letter had stated. I asked her when Id hear back about my application and she said they have a lot of applications for this card so there is a delay. As the letter had also stated I had until XXXX to send the requested documentation I figured Id hear from them before then since they had my proof early. However, after sending this last proof to their customer service email and receiving another automatic confirmation email for it, I did not hear from them at all after that.
Fast forward to XXXX XXXX XXXX, as I have yet to hear from them, I give them a call and ask to speak to a supervisor. I called their customer service line again [ XXXX at XXXX on XXXX for 31 minutes ]. After repeating all of the above to a customer service rep and a supervisor, I was transferred to an account manager as no one was able to assist me or understand why I was upset. Once transferred to the manager, I was told that the W2 I provided on XX/XX/XXXX WAS NOT acceptable and my application has been on hold. He then proceeded to tell me that only a social security card was acceptable. I explained that was not at all the case and that no one ever reached out to me to explain such a thing to me. At this point Im starting to feel this company is fraudulent and that they need to be reported to the CFB. I expressed this to the manager as well. He explained the only way to continue with the application was to submit the social security card because the W2 wasnt accepted. I told him I was not comfortable sending a social security card via email and would need a fax number to send it to as the letter sent to me on XX/XX/XXXX only had a mailing address to mail proof to and I required confirmation receipt for obvious reasons. He provided me with the fax number XXXX and told me that Id have to wait 7-10 days once the proof is received for my application to finalize review and for my card to be sent out.
I sent the fax with the social security card proof on XX/XX/XXXX at XXXX and included a fax cover sheet with a message asking for an account manager to call me to confirm receipt of the fax. I received a call the following day, XX/XX/XXXX, from a different account manager named XXXX [ from XXXX at XXXX for 5 minutes ]. He called me to tell me that the proof was received, the application was re-started and that itd take 7-10 days for me to have my application completed and for me to receive my card in the mail. When he said re-started, I became concerned that they were starting a new application, which I obviously didnt ask for, give consent for or expect. I asked him about this and he assured me that it is the same application [ Application Code : XXXX ] and that there would not be another hard inquiry. He said the application was simply pending and was on hold while waiting for the identity proof, which is what he meant by re-starting. I thanked him for calling and told him Id look forward to receiving my card soon and putting this long, exhausting process to rest finally. Not even an hour after that phone call, I check my phone and see Ive received about 10 credit bureau-related emails about a new inquiry from XXXX XXXX XXXX I proceed to check my credit reports and see that I do in fact have two hard inquiries for XXXX XXXX XXXX , one dated XX/XX/XXXX and one dated XX/XX/XXXX. I immediately called them back, beyond upset, and asked to speak to an account manager again [ XXXX at XXXX on XX/XX/XXXX for 42 minutes ]. I had to go through the runaround again, explaining all of the above to a customer service rep, only to be transferred to a customer service supervisor named XXXX, who could not transfer me to an account manager. Her reasoning for not removing the inquiry changed quite a few times. Here are the different excuses I received and wrote down as I received them : 1. She said that they have no control over the hard inquiries and can not contact the credit bureaus to remove them. I explained that the consumers do not have that power, as we are instructed by the credit card companies to contact the credit bureaus and are then instructed by the credit bureaus to go right back to the companies to fix the issue, as they are the ones that need to fix it 2. She said she was unable to escalate this further as the inquiry was just made and not showing in her system.
3. She said I had to wait to receive the card and then maybe Ill receive a letter in the mail about the second hard inquiry 4. She said she I waited too long to submit my proof, despite me telling her all of the above and explaining that I did submit everything, way before the submission deadline, yet that it was the companys infamous delay that caused the problem with my application, not anything I did 5. She said maybe its a mistake on my report and itll go away after 7-10 days once the application is completed and my card is on the way As you can see, there are serious issues going on with this company. I recommend that consumers stay clear of this company. I used to have a card with them in XXXX and closed my account with them because of their service and annual fee. The only reason I tried opening a new account was because of 2 new reasons : They partnered with XXXX and had a pre-approval software system in place that was supposed to help avoid all this and they partnered with XXXX XXXX, so consumers are able to enjoy XXXX benefits with the XXXX costs. Not sure its worth this though.
The best way to resolve this issue is to obviously remove the hard inquires from my account.
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
2. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
3. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
4. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
5. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
6. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CXXXX : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. US DEPT ED Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this unauthorized inquiry off my credit report.
XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX, CA XXXX. The following personal information is incorrect EMPLOYER : XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( XXXX ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( XXXX ) such amount of punitive damages as the court may allow ; and ( XXXX ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 11/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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The following complaint stems from a previous complaint with this Trans Union as it pertains to their negligence in listing delinquent accounts on my credit report that do not belong to me. Even after bringing the information to the consumer 's attention, Trans Union elected to continue to report the information to my account. I am here to annotate the record of the issues that I am having with the credit bureau, and have them delete the aforementioned accounts from my credit report as they do not belong to me.
1 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 10, however, the account history for Loan 10 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
2 ) Dept of Ed/XXXX - Account # XXXX XXXX XXXX This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 1, however, the account history for Loan 1 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
3 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 8, however, the account history for Loan 8 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
4 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 3, however, the account history for Loan 3 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
5 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 2, however, the account history for Loan 2 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
6 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 5, however, the account history for Loan 5 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
7 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 11, however, the account history for Loan 11 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
8 ) Dept of Ed/XXXX - Account # XXXX XXXX XXXX This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 6, however, the account history for Loan 6 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
9 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 7, however, the account history for Loan 7 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
10 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 4, however, the account history for Loan 4 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
11 ) Dept of Ed/XXXX - Account # XXXX A ) This account does not belong to me. In the attached documents, I have provided a list of all of my Dept of Ed Accounts, and # XXXX is not one of them. I have an account similar to this one account, as provided in the attached documents, Account # XXXX Loan 9, however, the account history for Loan 9 demonstrates that this account was in Forbearance during all of XXXX, whereas Account # XXXX shows late payments during this same timeframe. Based on this information it is quite evident that Account # XXXX, as reported by Trans Union is the result of mistaken identity, and should be deleted from my report at once.
Trans Union has violated FCRA guidelines in 1 or more of the following ways : 1 ) Identity errors, in by reporting accounts that belong to another individual with same or similar name as mine. ( mixing of two consumers ' information in a single filed, aka Mixed file ).
2 ) Incorrect reporting of account status ( Accounts incorrectly reported late or delinquent ) 3 ) Data management error, Accounts that appear multiple times.
As a result of their violations, I reached out to Tran Union as prescribed by FCRA, 'if you find errors, you should contact the credit reporting company who sent you the report, ' to which I did.
On XX/XX/XXXX, I called Trans Union to file this dispute, however, they were unable to accept the documentation as they stated. I wanted to provide the documentation here and update the record in the event that this matter must be escalated to a court of law.
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| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX Account Number XXXX Penalties- 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; - 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. -- 15 U.S. Code 1681d - Disclosure of investigative consumer reports ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ). ( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later. ( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ). ( d ) Prohibitions ( 1 ) Certification A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report. ( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation. ( 3 ) Certain public record information Except as otherwise provided in section 1681k of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished. ( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information. - 15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. - 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of - 15 U.S. Code 1692 - Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy. 15 U.S. Code 1681a - Definitions ; rules of construction ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S. Code 1601- Congressional findings and declaration of purpose ( a ) Informed use of credit The Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices.
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| 07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have a credit card account on all 3 of my credit reports for a company named XXXX XXXX. In XXXX of XXXX there was an issue with fraud on my account in which multiple transactions occurred. I did not make an of those transactions because my credit card was stolen. I submitted a fraud claim with XXXX XXXX at the beginning of XX/XX/XXXX. On XX/XX/XXXX I received confirmation that they received my claim, a provisional credit was added to the account, an investigation has begun and should take 2-3 billing cycles to complete. On XX/XX/XXXX I received a letter stating that a credit of {$1300.00} has been reversed on my account because a copy of the charge was reviewed and deemed accurate. On XX/XX/XXXX I received a letter stating the remaining credit of {$750.00} should be considered permanent because the remainder of their investigation was in my favor. At this point I am very confused so I contacted XXXX XXXX sometime in XX/XX/XXXX and asked why the entire investigation wasn't in my favor and I was told that two merchants said that I have done business with them before and so they closed the investigation and reversed the credits. I explained that I have not done any business and I gave nobody permission to do business with any of these two companies using my name or credit card. I was told that they would put in a request to reopen the investigation. Now we are entering the month of XXXX and I received any kind of letter stating the investigation was reopened. I called back to speak with someone to find out what is the status of my account and I was told that nobody ever submitted a request to reopen your investigation. So I am pretty upset at this point, I spoke to a supervisor and explained all of this to them and requested a call back to confirm my investigation will be reopened. They requested I send additional information so I sent a police report, an affidavit and a statement to them. Sometime at the end of XX/XX/XXXX someone reached out to me and informed me that they are going to reopen my investigation for the remainder of the charges. I specifically confirmed with the woman on the phone that they were going to include all transactions from these two merchants in the investigation associated with this account since they claim I've done business with them in the past. I was told yes sir will investigate everything for you. On XX/XX/XXXX I received a letter stating that they have completed their investigation and that they have re-issued the credits to my account that were reversed on XX/XX/XXXX and that they consider this investigation completed and closed. At the end of the year I started receiving credit alerts from XXXX XXXX and the reports were saying that I have multiple payments that were late, a balance of {$1300.00} and that my account has been closed and charged off. I don't understand this because based on the letters I received this account should have a {$0.00} balance and should be in good standing. I contacted XXXX XXXX on XX/XX/XXXX, spoke with XXXX from the security department. She said that it should be a {$0.00} balance according to the notes and information that she is seeing. She stated that she will send this account up to her managers so that they can update the account properly on my credit reports. I called back on XX/XX/XXXX after not seeing my credit reports updated. I spoke to XXXX a fraud department supervisor and she sent me information for review to her managers so that my credit report and account can be updated correctly. She also requested someone to call me back to discuss this matter. On XX/XX/XXXX I spoke to XXXX in the security department and faxed a copy of my credit report to their credit bureau interaction team along with a statement of everything that happened. On XX/XX/XXXX I spoke with XXXX a fraud protection specialist and he requested my investigation from XXXX be reopened. I received a letter on XX/XX/XXXX stating that they initiated an investigation, looked into my claim and determined that there was no fraudulent use of this account. I demanded a manager call me back to discuss this account and on XX/XX/XXXX I received a phone call from XXXX from the fraud team and she explained what happened with my account. She said that all transactions that were part of the original investigation were credited but the additional transactions from XXXX XXXX XXXX were that should've been investigated as fraud should have been investigation so now they need to investigate those transactions and so she put in a request for copies of my statements to be sent to me since my account was now closed. On XX/XX/XXXX I received a letter from a collections agency called XXXX XXXX XXXX attempting to collect {$1300.00} on behalf of XXXX XXXX. I finally received the statements on XX/XX/XXXX, Highlighted those transactions in question and contacted XXXX XXXX to reopen the investigation. I called that same day and spoke with XXXX ID # XXXX from the fraud security department and he put in the request to have my investigation reopened. I received a letter on XX/XX/XXXX stating that they have opened an investigation and listed the transactions and amounts of the transactions. I receive a letter on XX/XX/XXXX stating that they completed their investigation, looked into my claim and determined that there was no fraudulent use of this account. I contacted them immediately to find out what is going on. I spoke to someone in the security department about the investigation and they gave the same answer that they gave to me in XX/XX/XXXX that the merchant in question said that I have done business with them before and this is an outright lie and I have already given them proof in the form of a statement, an affidavit, a police report and the lost and stolen report of my credit card and drivers license. This should be more than enough evidence considering they've already credited a transaction from this merchant already at the end of XX/XX/XXXX. I explained all of this and requested this be reviewed again. With this pandemic going on I heard no responses by mail or phone from this company. I was finally able to get through to them on XX/XX/XXXX, as I spoke to XXXX about the status of this investigation and she informed me that the request was submitted on XX/XX/XXXX, was reopened on XX/XX/XXXX and they started to work on it on XX/XX/XXXX. I received a letter on XX/XX/XXXX stating that they completed their investigation, looked into my claim and determined that there was no fraudulent use of this account.So by this time whoever is reading this I hope you are as frustrated as I am with this company and how they do business. I apologize for this long letter but I had to get my point across and show you how ridiculous this whole process has been and now we are well over a year later. So needless to say I contacted XXXX XXXX on XX/XX/XXXX and for the third time since XXXX of XXXX spoke to XXXX from the security department. I explained everything to him from start to finish and I think he remembered me because he thinks that this whole thing is unprofessional and wasn't handled properly from the beginning. He looked into what happened with this last investigation and it looks like there was a lack of proper communication in the form of the person that filed the request for this account and those transactions to be re-investigated never put in the notes that this merchant is linked to another investigation in which was found in my favor because all the necessary supporting documents were provided in order to complete the original investigation and that all the remaining transactions from XXXX XXXX XXXX were never included in the original investigation as requested so once again another investigation was not reviewed and completed properly. He submitted a request to have the claim reopened as well as having an investigator call me back to discuss this claim and what went wrong and to also discuss having my account reopened, taken out of collections, credited properly and to have any late payments or negative activity removed from my credit report. As you can read I have made many attempts to resolve and correct this account with no end in sight. I have disputed this account many times with all of the credit bureaus and have gotten nowhere during that process as well. This entire process has been frustrating and now its causing me personal problems because I have to explain this mess of a negative account to both my employer and landlord who check my account periodically. This needs to end now so I am reached out to you for help. Thanks for reading this extremely long letter and I hope we can resolve this matter ASAP.
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| 12/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I, XXXX XXXX may have given to XXXX XXXX XXXX and TransUnion on any of my consumer report to provide and exchange any information to each other.
TransUnion is breaking the laws that is set in place to protect me XXXX XXXX AND my consumer credit report, these laws are here to make sure my credit file and credit report has the proper reflection of each account. The laws stated in this letter is the way my account should be reporting and/ or the way this account should be reflected onto my credit report. I am requesting that each account listed here is investigated and corrected due to each law stated here. This account is NOT PROPERLY being reported. I am allowed per this law to tell the credit agencies how I want my accounts to be reflected and if they should be reported. I am opting out of ant and all reporting of these accounts being reported. This account is to be DELETED IMMEDIATLEY.
Account Name Acoount Number XXXX XXXX XXXX XXXX - DELETED INDEFINITELY AND IMMEDIATELY.
A year ago I sent TransUnion a opt- out letter stating that I am rescinding my permission I gave to the unknowingly and/or knowingly to report accounts to my credit file without my knowledge. XXXX Deleted this account indefinitely.
Per 15 USC 6802-6805 and 16 CFR 313. DELETE IMMEDIATELY AND INDEFINITELY.
This account is not with XXXX XXXX XXXX anymore they have sold the account to a collection agency XXXX XXXX XXXX ) WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, Trans Union, XXXX with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, TransUnion is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
Per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY. 15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. 15 U.S. Code 1681a - Definitions ; rules of construction- ( d ) Consumer Report. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I never gave XXXX XXXX XXXX or TransUnion, the permission Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
26 U.S. Code 6050P - Returns relating to the cancellation of indebtedness by certain entities- ( a ) In general- ( 1 ) the name, address, and TIN of each person whose indebtedness was discharged during such calendar year, the date of the discharge and the amount of the indebtedness discharged.
When a debt is classified as closed out, an agency must determine if the amount due on the debt should be reported to the Internal Revenue Service ( IRS ) as potential income to the debtor under section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). An agency reports such debts to the IRS using IRS Form 1099-C. The program decision to terminate collection action and accounting decision to write-off DEBT often. Charged off and closed out accounts are considered certificates of indebtedness and this is INCOME. INCOME CLEARLY CAN NOT BE REPORTED TO ANY CREDIT REPORT.
As clearly being stated here this alleged debt that XXXX XXXX XXXX says they have is no longer a debt. It is a credit that I am suppose to be filing on my taxes. TransUnion is wrong for reporting such debt because this is considered income under 26 U.S.C. 6050P and the IRS section 6050P. TransUnion IS TO DELETE THIS ACCOUNT IMMEDIATELY.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
XXXX XXXX XXXX or TransUnion to report my personal information or account information, which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Per 15 USC 1666a -b Reporting ADVERSE credit ratings or standings on my credit report, Timing on Payment the credit reporting agencies can not report utilization to any 3rd party All 3 companies are reporting Utilization which is wrong. A closed account and charged off account can not report any past due Balances. Per 31 CFR 903.5 AND 31 USC 3711 Also a charged off account is income and a certificate of Indebtedness according to the IRS Publication. Once a debt is charged off by the creditor XXXX XXXX BANK by law is suppose to send me a 1099-C so I can file it on my taxes because it is a certificate of Indebtedness. Income that I claim on my taxes can not be reported to my credit report. DELETE IMMEDIATELY. The credit reporting agencies are not to report income on my credit report. TransUnion and XXXX XXXX XXXX is in violation of my privacy rights Per the Privacy Act of XXXX Also said that under 5 USC 552A your social is not suppose to be given out to anyone. They also sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice TransUnion and XXXXXXXX XXXX XXXX violated my rights as well under 15 USC 6802-6805 They are suppose to send me a opt-out letter every 30 days. I Have the right to opt-out of anything on credit report. This is a list of laws that TransUnion and XXXXXXXX XXXX XXXX is abusing and violating.
I DEMAND THAT YOU HAVE 4 DAYS TO UPDATE MY ACCOUNT STATUS DELETED INDEFINITELY AND IMMEDIATELY.
This account is to be DELETED IMMEDIATLEY AND INDEFINITELY.
{$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully, XXXX XXXX
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| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMP
ENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
7. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
8. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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APPEARING ON HIS CREDIT REPORT FOR CHILD SUPPORT DEBT AND THEREBY THE UNDERSIGNED IS REQUIRING THIS INFORMATION BE REMOVED FROM HIS CREDIT REPORT UNLESS THIS CREDIT REPORTING AGENCY CAN PROVIDE PROOF THAT THE UNDERSIGNED OWES A DEBT FOR CHILD SUPPORT LAWS REQUIRING ACCURATE INFORMATION 1. FCRA 623 ( a ) ( 3 ). Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 3 ) Duty to provide notice of the dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
2. 15 U.S. Code 1692e - False or misleading representations ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
3. 28 U.S. Code 1691- Seal and Teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. THIS LAW IS REQUIRING THIS CREDIT REPORTING AGENCY TO PROVIDE A COURT ORDERED DEBT COMPLETE WITH SEAL OF THE COURT AND SIGNED BY CLERK, AND DEPUTY CLERKS SIGNATURE IS NOT A JUDICIAL SIGNATURE PURSUANT 11TH CIRCUIT FEDERAL COURT OF APPEALS Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 ] [ hn. 1 ( 9th Cir. 1968 ), emphases added ] Inasmuch as all writs and processes issuing from a court of the United States are required, by statute, to be under seal of court and signed by clerk thereof, an injunction signed only by deputy clerk of district court is not void for want of a judicial signature. According to the Fair Credit Reporting Act XXXX XXXX XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the ( Consumer ). I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and TransUnion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer ( Me ) is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission, which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services forever. I am requesting for a proper investigation according to the law. Investigate every piece of information on the accounts I have listed below. According to the FRCA 15 USC 1681 everything MUST be 100 % accurate. Not 99.9 %, 80 %, 60.2 % but a 100 % accurate.
According to the FRCA The term investigative consumer report means a consumer report portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. I know and believe its not accurate and I have some stuff already circled of inaccuracy. Plus, I know and believe a proper investigation will not be done how the law says it should be done to find out if it was accurate. Plus, I also stated I was opting out, and I have that right to do so.
I do not consent, and I am reserving my rights. I am requesting immediate deletion of the accounts listed below, {$1000.00} per violation of the FCRA, and for my credit score to be reflected and updated. I believe that's fair enough. I also believe the courts would award me more, what I'm asking for is ( me ) willing to settle. The laws I provided are to protect the consumer ( me ) and for you to follow respectfully. Do the right thing. Thank you.
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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*** To start my dispute, I would like to make certain you have and only report up-to-date, accurate, verifiable, legitimate, true, and authorized information per Fair Credit Reporting Act regulations. I do not authorize Transunion to misreport any inaccurate or unverifiable information so please review my credit report and confirm your sufficient and full cooperation to the federal laws upon which oversees your business of reporting consumer credit reports.
I have provided a copy of my identification documents for you to verify my full name, current address, social security number, and date of birth. I do not have any other names, addresses, social security numbers, or date of births and I do not want any other personal information to be reported to prevent a credit merge or mistaken identity. If there is any other personal information being reported other than what I have provided, I am requesting you to delete it immediately.
This dispute is to start an investigation regarding unauthorized and/or possibly fraudulent information which is certainly unproven to be compliant with proper reporting guidelines of credit inquiry ( ies ) and/or credit account ( s ) reported by furnishers on my Transunion credit report. In the process of looking through my Transunion credit report, I found what clearly appears to be likely some unauthorized and or fraudulent credit inquiries and negative accounts which undoubtedly are ones deficient of the compliant proven permissible purpose supposedly made by the following companies : 1. Identity Theft XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
2. Identity Theft XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
12. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
13. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
16. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
19. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
21. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
22. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
23. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
24. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
26. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
I demand you to provide the required verifiable proof of permissible purpose confirming the legal authority to report such information or else complete a full deletion of the entire inaccurate & unverifiable information that is being reported on my Transunion credit report due to non-compliance of the Fair Credit Reporting Act.
As of today, there is no physical proof that I knowingly and agreed to authorize anyone working at the companies that I have mentioned above to report such information on my Transunion credit report on these specific dates. I am asking that you make these corrections now to relieve yourself from non-compliance of reporting standards to report the accurate status of certified XXXX XXXX compliant reporting moreover 100 % provable true, correct, complete, and timely reporting.
I am also requesting that the companies above mail me a copy of my signed authorization that gave them the right to view and report information to my credit report within five business days so that I can validate what is being reported. If they can not do so, then they will clearly be violating the Fair Credit Reporting Act which is why I am contacting you to help me with this.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Negative attachment Online Personal Credit Reports & Credit Scores, TransUnion and XXXX show different scores, none lining up with what XXXX has. Not only that, but TransUnion shows 22 positive accounts when there should be 21, with XXXX showimg 23 which is not accurate. All aging negative accounts are showing a phone number I do not have any longer.
This is all on XXXX, and I took a look on XXXX, only to find out more. First off, instead of receiving a free credit report I should get to see when pulling it up online, however, it makes new users sign up on the site.
Upon reviewing my {$8.00} a month credit report, I have come across the following misinformation.
A completely different score, higher than the one on XXXX from TransUnion. Both on XXXX and on XXXX, when I pull up my credit report from XXXX, TransUnion, and XXXX, all three show 30 day, 60 day, and 90 day Late Payments on my credit report. I did not give any credit report agency, nor did I give any data furnisher permission to do so, nor did I even give them written instructions. The inaccuaracies that are still on my credit report, especially after attempted disputes, violate 15 U.S. Code 1681e - Compliance procedures ( b ) for the law states, Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Transunion also made a false statement that " I can not afford to make payment for the credit cards due to Extensive medical bills ''. What I said was, " There is Payment Issue at work, it has been slow, and how that has been a problem for some time. '' I find the false statement made by TransUnion on my Credit Report Defaming, very damaging, and in violation ( per se ). I never gave XXXX, nor TransUnion, nor XXXX permission to furnish an account on my credit report.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
Under 15 USC 1681b purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15. U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( I ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; One summarizing note I make on this is that after the trial ended, XXXX repeatedly attempted to charge me again, and again for their subscription, which lapsed. As of now they are still doing this, and I have not authorized them to do so. XXXX will not remove the card I have on file, in order to stop attempting to charge me.
I sent out letters to XXXX, Trans Union, and XXXX on XX/XX/XXXX to Investigate information on the accounts listed below. I told all three credit bureaus, XXXX, TransUnion, and XXXX to " investigate every piece of information '' on the accounts listed below. I have also attached the letter I sent out and here are the Tracking # XXXX.
XXXX - Transunion XXXX - Transunion XXXX- XXXX XXXX- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX According to the FCRA, the term " investigate consumer report '' means a comsumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items of information. All three credit bureaus stated my accounts are verified, but how can that be if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % accurate.
According to the FRCA 15 USC 1681 everything has to be 100 % accurate.
In accordance with the Fair Credit Reporting act. The list of accounts below violated my federally protected consumer rights to privacy and confidentiallity under 15 USC 1681.
Account Name : XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXX XXXX XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXXXXXX Type of Account : 60 Day Late Payment Account # : XXXX has violated my rights.
Account Name : XXXX XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXX XXXX XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name : XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
Account Name XXXX XXXX Type of Account : 60 Day Late Payment Account # : XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
It has been over 30 days, only to be met with improper responses from XXXX and XXXX, no response from TransUnion.
Appaling, because I have provided the necessary information in order to assist all three in their Investigation.
All three not only false accused me of being a credit repair agency, but have also asked me for more personal information than I have sent already. But, I complied in order to further assist. They are required by the FCRA to respond properly, and all three failed to do so. According to the Fair Credit Reporting Act 15 USC 1681, this is a violation for willful noncompliance 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681N ] I have made the attempt to dispute with all three credit agencies about this. Item anchoring remain with no change on my credit report. I feel as if I am taken advantage of and being ignored by my disputes. Section 611 ( a ), it states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
They should be deleted promptly. I waited 30 days, received my investigation, and everything is still the same. All three consumer reporting agencies which is XXXX, XXXX, and TransUnion did not modify, nor removed anything. The date opened is incorrect, date last active incorrect also on all three credit reports, which is a violation. Monetary harm has resulted clearly, and is unacceptable as well. I acquired my credit report, and asked the credit bureaus to check to ensure everything was complete and accurate according to 15 USC 1681i ( 5 ). I demand the accounts deleted immediately or I will file for litigation due to the stress you caused me. My information is now compromised as long as the accounts are left with false statment, incorrect scores, and is at serious risk of breach by TransUnion, XXXX, and XXXX due to the bypassing that took place XX/XX/XXXX by identity theives according to XXXXXXXX XXXX XXXXXXXX.
XXXX XXXX XXXX I do not need my information stolen on top of the inaccuracies. My information may have gotten into the hands of the wrong person as well.
This is impacting me from moving forward to acquire funding for my small business, and buying a house for my mother and I. We need to relocate from an area in disrepair and decay. Attached below are my previous credit report and new credit report showing how XXXX, XXXX, and TransUnion violated my rights.
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| 07/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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TRANSUNION CONSUMER DISPUTE POTENTIAL LAWSUIT PENDING Securities Acts, FDCPA, Privacy Act, FCRA, FRA, CCPA AWAITING XXXX FORENSIC SECURITIZATION AUDIT RECEIPT CONSUMER REQUEST THAT ALL THE FOLLOWINGS BE PROVIDED TO CONSUMER DIRECTLY FROM CREDITOR.
-PROOF OF SOURCE OF CREDIT EXTENDED TO VALIDATE ESTABLISH ACCOUNT -SIGNED APPLICATION, PROMISSORY NOTE, AGREEMENT FOR CONSUMER REPORTING -DEBIT AND CREDIT ACCOUNT LEDGER -GAAP ACCOUNTING -CUSIP NUMBER FOR ALL ACCOUNT SECURITIES, NOTE, BONDS RELATING TO ACCOUNT -1099C and 1099A FOR ALL ACCOUNTS LISTED IN THIS COMPLAINT TRANSUNION DOES NOT HAVE MY CONSENT TO OBTAIN ANY OF THE FOREGOING INFORMATION.
METRO 2 AND E-OSCAR WILL NOT BE ACCEPTED AS VALIDITY. MUST PROVIDE TITLE, TIME, ADDRESS, SIGNATURE AND IDENTITY OF ACTUAL HUMAN THAT CAN AND WILL BE WILLING TO TESTIFY UNDER OATH IN COURT OF LAW.
Validation must come from the original creditor. - XXXX Letter ( Federal Trade Commission ) ; etc.
The consumer has put TransUnion on notice. Consumer want a full audit and accounting done on consumer private information shared by TransUnion. Consumer will file form 211 with the Treasury. Consumer will also file complaint with SEC, FTC, IRS and OCC within 5 days. CONSUMER WILL PURSUE REMEDY AT THAT POINT.
TransUnion continue to intentionally violate consumer rights and as result consumer is being discriminated against under the Equal Credit Opportunity Act.
TransUnion has assumed the role of collecting data and selling of private information and said company has a responsibility to protect consumer information. Several accounts are listed in error and consumer request immediate removal. Consumer request complete file TransUnion has on consumer. These accounts below are charged-off accounts requiring 1099A or 1099C for proper tax filings. Per IRS publication these type of accounts are considered income and income is not to be reported to consumer report. These accounts are in violation and improperly furnished as bad unpaid debt when theres no evidence of such.
The following accounts must be deleted during investigation. Consumer Demand Cease and Desists of the following accounts being reported during dispute process.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authority.
Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Under 15 USC 1681athe term consumer report does not include anyreport containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; PLEASE REMOVE LATE PAYMENTS OR DELETE ACCOUNT TransUnion are intentionally effecting consumer ability to properly access credit extension to the consumer for PERSONAL, FAMILY and HOUSEHOLD PURPOSES.
15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfairdebtcollection practices by manydebtcollectors. Abusivedebtcollection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
15 U.S. Code 6801 - Protection of nonpublic personal information- Law states It is the policy of theCongressthat eachfinancial institutionhas an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, afinancial institutionmay not, directly or through anyaffiliate, disclose to anonaffiliated third partyanynonpublic personal information, unless suchfinancial institutionprovides or has provided to theconsumera notice that complies withsection 6803 of this title. DID THE TRANSUNION VERIFY THIS?
( b ) Opt out ( 1 ) In generalfinancial institutionmay not disclosenonpublic personal informationto anonaffiliated third partyunlesssuchfinancial institutionclearly and conspicuously discloses to theconsumer, in writing or in electronic form or other form permitted by the regulations prescribed undersection 6804 of this title, that such information may be disclosed to such third party ; theconsumeris given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and theconsumeris given an explanation of how theconsumercan exercise that nondisclosure option.
TRANSUNION HAS ASSUMED CONSUMER WAS MADE AWARE AND ASSUMED CONSUMER WAIVED OPTION TO OPT-OUT WITH THESE ACCOUNTS LISTED AS CHARGED-OFF OR DELINQUENT.
16 CFR 313.3 ( a ) Affiliate means any company that controls, is controlled by, or is under common control with another company.
15 U.S. Code 1681b - Permissible purposes of consumer reports-anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance withsection 5318 of title 31orsection 3486 of title 18.
In accordance with the written instructions of theconsumerto whom it relates.
313.1 Purpose and scope- Requires afinancial institutionin specified circumstances to provide notice tocustomersabout its privacy policies and practices ; Describes the conditions under which afinancial institutionmay disclosenonpublic personal informationabout consumers to nonaffiliated third parties ; 15 U.S. Code 1681n - Civil liability for willful noncompliance In general Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumer Under California Consumer Privacy Act- Consumer have the right to have TransUnion penalized {$2500.00} or {$7500.00} per violation.
TransUnion is preventing consumer from the ability to having equal advantage of right to receive consumer own extension of credit under the Equal Credit Opportunity Act by continually to violate consumer rights by collecting and displaying non-factual personal information against consumer knowledge for TransUnion own deceitful and selfish gains. THIS HAS RESULTED AN ADVERSE EFFECT ON CONSUMER.
IN ADDITION TO THE ABOVE REQUESTS/DEMAND CONSUMER REQUEST ITEMS BELOW -CONSUMER REQUEST OPTOUT OF ALL SHARING AND SELLING OF CONSUMER PERSONAL INFORMATION TO NON AFFILIATES OR 3RD PARTIES.
-CONSUMER REQUEST COMPLETE FILE ON CONSUMER VIA EMAIL AND MAIL -CONSUMER ALSO REQUEST COPY OF E-OSCAR REPORT -CONSUMER REQUEST ALL DOCUMENTARY EVIDENCE OF ACCOUNTING OF CONSUMER INFORMATION -CONSUMER REQUEST IDENTITY, SOURCES, REASONS, AND TRANSACTIONS REGARDING INFORMATION ON CONSUMER REPORT AND ITS VALIDITY.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND XXXX INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not XXXX XXXX accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX HM XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX PL XXXX, NC XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : UNITED STATES XXXX -This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX TX- This is not my employer. Delete it immediately from my report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, TX XXXX 3. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
4. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
5. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
6. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
7. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
8. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
9. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX consumer credit bureau. I would like this inaccurate account late payment ( XX/XX/ ) removed from my credit report and made paid immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau XXXX I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX consumer credit bureau XXXX I would like this inaccurate account late payment ( XXXX ) removed from my credit report and made paid immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau XXXX I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
TRANSUNION In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my TransUnion consumer credit bureau. I would like this inaccurate account late payment ( XXXX XXXX removed from my credit report and made paid immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXXXXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau . I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
XXXX In accordance with the Fair Credit Reporting Act XXXXt Account # XXXXXXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my XXXX consumer credit bureau. I would like this inaccurate account late payment ( XXXX ) removed from my credit report and made paid immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX, XXXX ( Original Creditor : XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) has violated my consumer rights by reporting fraudulent information across my XXXX consumer credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
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| 10/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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On XX/XX/2018 i went to apply for a loan. I was denied and stated that i would receive a letter about the adverse statement.
On XX/XX/2018 I went and downloaded my three credit reports to see what was going on and what adverse event had occurred. On all three of my credit reports Transunion, XXXX and XXXX there was a " potential Adverse '' report from XXXX XXXX XXXX stating I had a 30 day late in XX/XX/2018 for XXXX. I immediately filed a dispute with each agency.
I was not aware of this late payment being reported until I was turned down for the loan.
On XX/XX/2018 I immediately called XXXX XXXX XXXX to have them remove this late payment from my credit report. I have an excellent credit history with them. I explained that I was traveling for my job extensively in XXXX and wasn't aware that my account was past due. I explained during the end of XXXX i was all the across the country in XXXX Washington for work and a personnel family matter. The customer service representative said she file a dispute with their credit department and they would decide. As she was processing she stated the dispute did not go through and she would connect me directly with the department.
I was put through and a man answered. I explained the above and he said no they could not remove the late as they are required by law to report accurate information to the credit bureaus. I stated the information was not accurate because of my travel and that i did not receive any alerts to notify me. He stated it is not the banks responsibility to alert me. I told him i would hang up and call back to someone who was logical.
I calmed down again and called back. I got another Customer service rep and repeated the story. She filed a dispute that went through and told me i would hear in about 7-10 days. She stated that they should reverse the late because of my reasons given.
On XX/XX/2018 and after careful thought and some research i wasn't sure of the outcome. Therefore, i wanted to bring this to the attention of the CEO of the Bank I believe this late payment was two fold bank error and external issues such as travel and a personnel family matter.
On XX/XX/2018 I wrote the CEO the following letter and simultaneously five of his executive officers : RE : Bank Credit Card Ending # XXXX Request for Removal of one time Late Payment by XXXX from all Three Credit Bureaus XXXX ; XXXX and Transunion Dear XXXX I wanted to contact you for consideration of my plight. I do believe Bank reported inaccurate information to the three credit bureaus respectfully known as XXXX ; Transunion and XXXX for a late payment deemed as thirty days past due in XX/XX/2018.
Background : I have been a customer of XXXX starting back with XXXX XXXX. Not sure of the exact years but they are many. So you may ask why didnt I leave or change banks through all those years. My answer to that question is that XXXX was the only bank that had real customer service. They did not judge you if a mistake was made and tried to do everything to help you out. It was real and that is the best way I can describe it. I was always treated with the upmost respect and the respect was and is mutual. Therefore, I have always been a loyal customer.
Over the years my job has gotten more and more responsible and currently I travel quite frequently at least two to three times a month for work. Therefore, I set up alerts for my credit card accounts just in case I forget or can not as I am in there air or for other situations such as in this case a combination personnel family matter which occurred at end of XX/XX/2018 in XXXX Washington.
Situation : I have been in good standing with XXXX for the past many years. Sometime around XXXX/ XX/XX/2018 we ran into a snag. I grew to depend on the alerts to let me know that payment was due and acted accordingly.
As a busy professional that travels alerts come in handy. I did not receive any alerts for in XX/XX/2018 or in XX/XX/2018. Therefore, I assumed I paid this card. I have many cards with alerts set up. I was traveling a lot due to work and combined work and personnel family issue the end of XX/XX/2018. I have attached my itineraries for proof of my travel.
Facts I receive constant alerts from XXXX and have grown to depend on them.
I received no Email Alerts in XX/XX/2018 or XX/XX/2018 from XXXX that account was past due ( see attached ) Due to my extensive travel in XX/XX/2018 ( see attached ) I was not home consistently to receive mail notices I received no phone calls at all in either XX/XX/2018 to notify me of the late payment and or the that I was in danger of having my late payment reported on my credit as I am a preferred customer.
Attached are clips from my bank statement for XX/XX/2018 ( attached ) showing I had the money to pay the card if I would have received a call to advise me my payment was late or received an email alert I would have and could have paid it.
Ironically I received an alert recently that my new credit card was coming on XX/XX/2018 ; but no alerts that my payment was past due.
Situation I returned home from my trip to XXXX Washington on XX/XX/2018 and picked up my mail. It was at this time that I was aware that {$300.00} XXXX XXXX past due on my XXXX account. I immediately paid the past due of XXXX XXXX which cleared on XX/XX/2018.
I did not realize this was reported to my credit until I just recently applied for a loan and simultaneously got denied. I was in good standing for years! Now this adverse payment has set me back 7 years for no reason. I had the money. I immediately went to annual credit report online and downloaded the three credit reports. All of them had one adverse report for XXXX claiming 30 days late in XX/XX/2018. I had no idea this occurred. I believe what was reported to the credit bureau is not accurate information if it does not present all the facts that lead up of the default.
I believe XXXX processes and procedures failed the customer this time.
Therefore, I would like to request that XXXX remove the late payment in XX/XX/2018 on all three of the credit bureaus XXXX, Trans Union and XXXX due to creditor related mistakes and external factors that led up to the late payment. In addition, to make sure this never happens again I will agree to automatic payments if you would please remove this adverse remark from my credit report.
Thanking you in advance and with all due respect. XXXX is the only adverse account now on my credit report. Can you kindly help me with this matter by removing the late payment from all three credit bureaus XXXX, XXXX and Transunion? I would appreciate a prompt response if possible. I can be contacted via phone ; email and text.
On XX/XX/2018 i received a phone call from XXXX XXXX XXXXXXXX Customer Service to call them. I did not know if it was from the first customer service dispute filed or from the CEO letter i sent.
I returned the call on XX/XX/18 and it was the customer service department who put me on hold and a random service agent answered. I explained what i thought the call was about and she said hold on. She got back on the phone and said yes that she wanted to advise me that they wont remove the late payment. I said why? She said she didn't know at first she then said they were going to remove it and then didn't and did not know why she was sorry.
I said i have a right to know why she said hold on - came back on and stated because they checked the mail and no return statements so the late payment was not due to bank error.
I then said i explained i was traveling i would not get my mail - she said sorry. I then said i sent a letter to the CEO explaining everything. She said sorry. I then said what about my alerts no one sent me an alert or gave me a phone call? she said they are not required to give alerts. I said i signed up for them and sent proof ( attached ) sent proof of travel ( attached ) and challenged her on the phone calls prove you tried to contact me via phone. She said we did today I said that's after the fact and whats your name i cursed and said I would report this as a bank error and unfair treatment. She gave me her name.
On XX/XX/XXXX, I sent a second request to the XXXX XXXXXXXX CEO - no response from his office. Completely ignored.
On XX/XX/XXXX I got home and trans union said my results were in. I logged in and there it was late payment verified by Bank. Then it said it made an adjustment that XXXX payment was unknown. This is an error I have proof of payment for both XX/XX/2018 and XX/XX/2018 now they are playing with my credit. The status states current confusing!!!!!!! What are the grey X 's?
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| 10/31/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Student loans transferred from XXXX company to the next to the next. I am attempting to Validate loans via XXXX as I have attempted to clear this matter since XXXX XXXX, XXXX. It appears that the amount is increasing during each transfer. I am sending this request now because I am disputing the validity of the amount and am requesting validation.
Attempt # 1 I sent the first letter dated XXXX XXXX To Whom It May Concern : This letter is regarding account # # # # # # # # # # #, which you claim I owe $ $ $ $ $ $ XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to XXXX. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion, and XXXX XXXX from your company-XXXX, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. In the absence of any such documentation bearing my signature, I formally request that this information is immediately deleted from the credit file filed under my Social Security number. I do not consent to any means of automated verification.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of XXXX in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only and is not a statement, election, or waiver of status.
Attempt # 2 XXXX XXXX as a reply based on document received without a valid signature To Whom It May Concern : This letter is in response to your recent claim regarding account # # # # # # # # #, which you claim I owe $ $ $ $ $ $ $ to XXXX.
Yet again, you have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.
Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature.
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.
I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay XXXX the alleged amount.
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting.
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.
Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company.
I would be seeking a minimum of XXXX} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Attempt # 3 dated XXXX XXXX with a Cease and Desist phone call notice To Whom It May Concern : This letter is being sent to you as a Dispute to the letters I received from you dated XXXX XXXX and XXXX, XXXX, in the amount of $ $ $ $ $ $ XXXX
Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. The purpose of this document is to notify you that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section.
I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you/XXXX. Please provide me with the following : What the money you say I owe is for.
Explain and show me how you calculated what you say I owe.
Provide me with copies of any papers that show I agreed to pay you/XXXX what you say I owe.
Please attach a copy of any signed agreement debtor has made or other verifiable proof that debtor has a contractual obligation to pay XXXX.
Please attach a copy of any agreement that bears the signature of the debtor, wherein he/she agreed to pay XXXX.
In the absence of any such documentation bearing my signature, I formally request that this information is immediately deleted from the credit file filed under my Social Security number xxxxxxxxx. I do not consent to any means of automated verification.
Now, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX XXXX XXXX TransUnion ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, I will not hesitate in bringing legal action against you for the following : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist calls to xxx-xxx-xxxx and xxx-xxx-xxxx in relation to the alleged account.
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Civil and criminal claims will be pursued.
If your office provides validation with proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must CEASE AND DESIST.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information to a credit reporting repository that could be inaccurate or invalid.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employment. Do not call my relatives or my friends. If your offices attempt telephone communication with me, including but not limited to computer generated calls, or calls to third parties, it will be considered harassment and I will have no choice but to file suit.
All future communications with me MUST be done in writing and sent to the address noted in this letter through the XXXX.
It would be advisable that you assure that your records are in order. This is an attempt to correct your records. Any information obtained may be used for that purpose.
Since I have been unsuccessful in getting any results from XXXX I 've decided to seek additional assistance in this matter.
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
3. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
4. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have filed a police report because I have made multiple attempts to remove these fraudulent inquiries from my consumer report. Here is a copy of that letter.
TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX SSN : XXXX XXXX : XX/XX/XXXX To whom it may concern : My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and XXXX XXXX compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable XXXX XXXX data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The XXXXXXXX CRRG states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information for TransUnion Can you please delete any records in your system where my name is not exactly XXXX XXXX XXXX? This will ensure that the database has accurate information about me.
CURRENT ADDRESS : XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX Inquiries 1 ) XXXX XXXX XXXX TransUnion I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, they are in violation of the Fair Credit Reporting Act, Section 1681b ( c ). I would appreciate if these inquiries could be removed immediately. Thank you.
2 ) XXXXXXXX XXXX XXXX TransUnion I contacted the creditors who placed these unauthorized inquiries on my credit report and asked them to remove them and to cease their illegal activities. I also asked them to respond to my request, but to date there have been no responses from their office. More than 30 business days have passed since I sent the letter, and they have failed to respond or honor my request. So, I am asking for your help to resolve this matter. According to the Fair Credit Reporting Act, you are required to investigate this inquiry on my credit report to determine who authorized it. If, after your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy. If you find the inquiry to be valid, I would appreciate a full description of the procedures used in your investigation within 15 business days of the completion of the investigation.
3 ) XXXXXXXX XXXX XXXX TransUnion I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.
XXXX XXXXXXXX TransUnion Some companies are looking for my personal information, and one of them showed up on my credit report. I'm not familiar with this company, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had a permissible purpose according to U.S Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly.
XXXX XXXX XXXX XXXXXXXX XXXXXXXX TransUnion I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15, U.S.C & 1681 es seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.I contest the reporting of the above noted inquiries and challenge the demonstration of the confirmed physically verifiable proof of validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me and only me. Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately.
5 ) XXXX XXXX XXXX TransUnion .I received a credit report from you that showed a few unfamiliar companies. It seems they made an inquiry on my file without my knowledge, but this shouldn't be possible without my approval. Section 604 of the U.S. Code, 15, U.S.C & 1681 es seq. states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please remove this inquiry from my credit file or provide me with documentation ( physical proof ) that you have a permissible purpose for this inquiry.
6 ) XXXX XXXX TransUnion I received a copy of my credit report and noticed that there were unauthorized credit inquiries from companies that I don't remember authorizing. I understand that you shouldn't be allowed to put an inquiry on my credit file without my authorization, so I would appreciate it if you could remove this inquiry from my credit file immediately. Please forward me documentation that you have investigated and removed the unauthorized inquiries.
In appreciation According to the law, you and data furnishers must certify all aspects of required FCRAXXXX XXXX compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms!
XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last XXXX of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX, XXXXnquiry date XX/XX/XXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( XXXX ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( XXXX ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every XXXX even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last XXXX of my XXXX XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within XXXX ( XXXX ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( XXXX ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last XXXX of my XXXX XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act. The List of Accounts Violated My Federal Rights protected by privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX 15 USC 1681 SECTION 602 A 1-STATES I have the right to privacy 15 USC SECTION 604 A SECTION 2- Also states a consumer agency can not furnish an account without written permission instruction 15 USC 1681c ( a ) ( 5 ) Section2- States no consumer reporting agency may make any consumer report containing any of the following items or information or any adverse item of information other that records of convictions of crimes which antedates the report by more than 7 years 15USC 1681s ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause its inaccurate COMMENTS CLOSED DATE LAST ACTIVE XX/XX/XXXX DATE LAST PAYMENT XX/XX/XXXX THIS ACT IS FULL OF INACCURATE INFORMATION AND NEEDS TO BE REMOVED.
XXXX XXXX ACT # XXXX TRANSUINION DATE OPEN XX/XX/XXXX {$970.00} HIGH CREDIT LIMIT $ PAST DUE {$750.00} {$970.00} CHARGE OFF LAST REPORTED XX/XX/XXXX LAST PYMNT XX/XX/XXXX XXXX REPORTS OPEN XX/XX/XXXX {$0.00} {$0.00} UNKNOWN XX/XX/XXXX XX/XX/XXXX XXXX DOESNT SHOW THIS ACCOUNT HAS SO MANY INACCURANT INFORMATION NEEDS REMOVED IN VIOLATION XXXX is unacceptable. This is formal notice that your claim is disputed.
I am requesting validation, made pursuant to FDCPA, along with local state laws. Please note validation that is competent evidence bearing my signature showing that I have or ever applied for credit.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is reference to my credit file and account you claim I applied for. Automated response or E-Oscar is unacceptable. This is formal notice that your claim is disputed.
I am requesting validation, made pursuant to FDCPA, along with local state laws. Please note validation that is competent evidence bearing my signature showing that I have or ever had some contractual obligation to pay you.
XXXX XXXX ACCT # XXXX TRANSUNION REPORTS DATE OPEN XXXX/XXXX/XXXX MONTHLY PAYMENT XXXX HIGH CREDIT {$620.00} LIMIT {$600.00} PAST DUE XXXX LAST REPORTED XX/XX/XXXX LAST PYMNT XX/XX/XXXX TRANSUNION XXXX XXXX DATE XXXX XX/XX/XXXX $ 12 MONTHLY SHOWS TERMINATES LAST REPORTED XX/XX/XXXX & LAST PAYMENT INACCURATE REPORTING NEEDS REMOVED XXXX & XXXX XXXX TRANSUNION REPORTS JOINT XXXX XXXX XXXX XXXX XX/XX/XXXX CLOSED WITH MONTHLY PYMNT OF {$0.00} 120 MONTHS HIGH CREDIT {$0.00} PAST DUE {$0.00} PAYMENT STATUS LATE 120 DAYS REPORTED XXXX XXXX XXXX BANK ACCT # XXXX XXXX ACCT STAUS PAID MONTHLY {$0.00} OPEN XX/XX/XXXX TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX OWED {$0.00} XXXX {$4400.00} LIMIT {$4000.00} STATUS 30 DAY XX/XX/XXXX LAST ACTIVE XX/XX/XXXX LAST PAYMENT XX/XX/XXXX TRANSUNION SHOWS PAID XXXX SHOWS DISPUTE RESOLVED BUT DOESNT SHOW UPDATE THIS IA ALL INACCURATE INFORMATION NEEDS DELETED PORTFOLIO XXXXXXXX XXXX XXXXMONTHLY PAYMRNT {$0.00} OPENED XX/XX/XXXX COLLECTION SAYS 120 DAYS PAST DUE ON CHARGE OFF XX/XX/XXXX PAST STATUE OF LIMITATIONS AND INACCURATE PLEASE DELETE XXXX ACCT # XXXX TRANSUNION REPORTS NOTE XXXX {$0.00} OPENED XX/XX/XXXX BALANCE {$0.00} HIGH {$8400.00} LIMIT {$0.00} PAST DUE {$0.00} COLLECTION CHARGE OFF LAST REPORT XX/XX/XXXX XXXX XXXX XX/XX/XXXX UNPAID XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX PPLEASE REMOVE INFORMATION INACCURATE XXXX FUNDING XXXX CHARGEOFF TRANSUNION REPORTS XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX DISPUTED BUT NOT RESIULTS THIS ACCOUNT IS INACCURATE DELETE IN VIOLATION XXXX DELETED XXXX XXXX ACCT # XXXX TRANSUNION COLLECTION OPENED XX/XX/XXXX {$290.00} LAST REPORT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOESNT INACCURATE INFORMATION IN VIOLATION PEASE REMOVE CREDIT COLL XXXX TRANSUNION REPORTS DEROG COLLECTION CHARGE OFF OPENED XX/XX/XXXX LAST REPORTED XX/XX/XXXX LAST ACTIVE XXXXHIGH BALANCE {$170.00} XXXX REPORTS OPENED XX/XX/XXXX LAST ACTIVE XXXX REPORTS XX/XX/XXXX LAST ACTIVE XX/XX/XXXX INACCURATE INFORMATION IN VIOLATION PLEASE REMOVE XXXX XXXX ACCT # XXXX XXXX REPORTS XXXX XXXX CO XXXX XX/XX/XXXX $ XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXDOESNT REPORTS XXXX XXXX XX/XX/XXXX $ XXXX XXXX XX/XX/XXXX INACCURATE INFORMATION ACCT IN VIOLATION DELETE XXXX XXXX XXXX XXXX XXXX TRANSUNION REPORTS XXXX OPEN XX/XX/XXXX DOA XX/XX/XXXX High {$600.00} {$600.00} Past statue on limatitons and inaccurate please delete in violation XXXX XXXX XXXX ACCT XXXX TRANS UNION XX/XX/XXXX {$7800.00} COLLECTION CHARGE OFF XXXX XXXX SHOWS XX/XX/XXXX XXXX XX/XX/XXXX DATE OPENED INACCURATE INFORMATION IN VIOLATION XXXX XXXX XXXX XXXX BANK ACCT XXXX TRANSUNION SHOWS CHARGE OFF XXXX XX/XX/XXXX {$1100.00} XXXX XX/XX/XXXX DATE LAST PAYMENT XX/XX/XXXX XXXX XXXX OPENED XXXX XXXX/XXXX LAST PAYMENT XX/XX/XXXX XXXX XXXX XXXX DELETED ACCOUNT INACCURATE IN VIOLATION DELETE XXXX XXXX XXXX XXXX XXXX TRANSUNION SHOWS CHARGE OFF OPEN XX/XX/XXXX {$3900.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX SHOWS OPEN XX/XX/XXXX XXXX DLR XX/XX/XXXX BOTH SHOWS ACCT RESOLVED FROM DISPUTE ACCT INACCURATE IN VIOLATION XXXX DELETED DELETE XXXX XXXX XXXX XXXX ACCT XXXX TRANSUNION XXXX CHARGE OFF OPNED XX/XX/XXXX {$2400.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX REMOVED ACCT IN VIOLATION INACCRATE INFORAMTION DELETE XXXX XXXX XXXX XXXX ACCT XXXX TRANSUNION SHOWS CHARGE OFF OPEN XX/XX/XXXX $ XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX OPENED XX/XX/XXXX XXXX DLA XX/XX/XXXX XXXX DELETED INACCURATE INFORMATION IN VIOLATION PLEASE DELETE XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION SHOWS COLLECTION OPEN XX/XX/XXXX {$67.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX IN VIOLATION OF STATUE OF LIMITATIONS AND XXXX XXXX PLEASE DELETE XXXX XXXXXXXX XXXX DATE OPEN XX/XX/XXXX {$120.00} CHARGE OFF XXXX XX/XX/XXXX XXXX XX/XX/XXXX IN VIOLATION OF 602 AND 604 PLEASE DELETE XXXX XXXX TRANSUNION REPORTS CHARGE OFF MONTHLY {$0.00} OPENED XX/XX/XXXX BALANCE {$14000.00} {$30000.00} CREDIT LINE {$0.00} PAST DUE {$14000.00} CHARGE OFF XXXX XX/XX/XXXX XXXX XXXX DATE OPEN XX/XX/XXXX XXXX DATE OPEN XXXX XXXX XX/XX/XXXX THIS ACCOUNT IS INACCURATE AND SHOWS IN DISPUTE ITS INVIOLATION NEEDS TO BE REMOVED AS A CHARGE OFF ASHOULD BE XXXX BALANCE BUT THIS ACCOUNT IS FULL OF INACCURATE INFORAMTION AND NEEDS DELETED XXXX XXXX TRANSUNION SHOWS CHARGE XXXX OPENED XX/XX/XXXX $ XXXX XXXX PAST DUE {$460.00} XXXX EXPERIAN SHOWS XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX CO XXXX XX/XX/XXXX XXXX THIS ACCT IS VIOLATION AND NEEDED TO BE REMOVED XXXX XXXX TRANSUNION XXXX XXXX XX/XX/XXXX $ XXXX {$300.00} PAST DUE {$530.00} XXXX XXXX XXXX XX/XX/XXXX XXXX {$0.00} OPEN XX/XX/XXXX {$530.00} {$300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$530.00} PAST DUE {$530.00} XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX THIS ACCT IS IN VIOLATION AND NEEDS TO BE XXXX Please also be aware that any negative mark found on credit reports Including XXXX TransUnion and XXXX from your company that you represent for a debt I dont owe is a violation of FDCPA and FCRA, therefore if you can not validate the debt you must request bureaus to delete.
Pending the outcome of my investigation of any evidence that you submit you are instructed to take no action that could be detrimental to my reports. Failure to respond within 30 days of receipt of my certified letter may result in small claims.be aware I am making a careful record of my communication and the filing a complaint with the Consumer Financial Protection Bureau and Attorney General Office should you continue in noncompliance. I further remind that, as in Wenger v Transunion No 95-6445 ( C.D. Cal. Nov 14,1995 ) you may be liable for your willful noncompliance.
Failure to response satisfactory within 30 days may result in small claims against your company seeking {$1000.00} per violation for * Defamation *Negligent Enablement of Identity Fraud *Violation of FDCPA All documentation was provided to your company via Certified mail and your company has failed to comply.
My contact information is as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX PS please beware that dependent upon response, I maybe be detailing any potential issues with your company via online public press release including documentation of any claim claims action.
CC : : Consumer Financial Protection Bureau CC : Attorney General CC : XXXX XXXX XXXX
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXXXXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX, XXXX date is XX/XX/XXXXXXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my XXXX XXXX and My Birthday XX/XX/XXXXXXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my XXXX XXXX Birthday XX/XX/XXXXXXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TransUnion LLC Consumer Dispute Center po box XXXX XXXX XXXX XXXX XXXX To Transunion This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be validated or removed immediately : 1. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 3. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 4. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX XXXX Bankruptcy Case Number : XXXX -THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 5. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a ( 4 ) CONSUMER RIGHT TO PRIVACY. THIS BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT XXXX XXXX Bankruptcy Case Number : XXXX THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA 6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION SEZZLE Account Number : XXXX Please correct/update this inaccurate information on my credit report.
23. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
24. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Please remove it from my credit report.
25. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.
XXXX Account XXXX : XXXX - This is a violation of 5 U.S.C . 552a ( i ) ( 3 ).- An agency official who improperly discloses records with individually identifiable information or who maintains records without proper notice, is guilty of a misdemeanor and subject to a fine of up to {$5000.00}, if the official acts willfully. I did not receive proper notice. Please delete it NOW 26. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSEPRETENSES XXXX Account Number : XXXX Please remove it from my credit report.
27. FDCPA section 807 violation misleading false reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last XXXX months, or the last XXXX years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have XXXX ( XXXX ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation.
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have XXXX ( XXXX ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXXXXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( XXXX ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX date is XX/XX/XXXXXXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( XXXX ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXXXXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX PA XXXX Subject : Request for Removal of Credit Inquiries Dear TransUnion , I hope this letter finds you well. I am writing to request the removal of certain credit inquiries from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). The following inquiries are negatively impacting my creditworthiness : 1. XXXX Inquired on XX/XX/XXXX, by a Finance other than personal business at XXXX XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MN XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MN XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MN XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by an Automotive business at XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX, by Miscellaneous and public record business at XXXXXXXX XXXX XXXXXXXX XXXX MD XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by an Automotive business at XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX, by Credit card and travel / entertainment companies business at XXXX XXXX XXXX, XXXX, XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by an Automotive business at XXXX XXXX XXXX, XXXX, AL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Banks and XXXX XXXX XXXX business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXXXXXX XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXXXXXX XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX, XXXX, DE XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XXXX XXXX.
XXXX. XXXX XXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, VA XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MO XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, MO XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX, by Finance other than personal business at XXXX XXXX XXXX, XXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX XXXX XXXX Inquired on XX/XX/XXXX, by XXXX other than personal business at XXXX XXXX XXXX, XXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX XXXX XXXX XXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by Banks and S & Ls business at XXXX XXXX FIXXXX XXXX XXXXXXXX, NC XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
XXXX. XXXX Inquired on XX/XX/XXXX, by a Finance, personal business at XXXX XXXX XXXX, XXXX, TX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
According to the FCRA and FACTA, I have the right to dispute inaccurate or incomplete information on my credit report, and I believe that these credit inquiries were not authorized by me or are otherwise inaccurate. Therefore, I kindly request that TransUnion investigate these inquiries and, if found to be inaccurate or unauthorized, remove them from my credit report.
I have enclosed copies of supporting documentation, including proof of my identity and any evidence I have that these inquiries are inaccurate or unauthorized.
Please acknowledge receipt of this dispute letter within five business days and initiate the investigation as required by law. I understand that the FCRA mandates that this investigation be completed within 30 days, and I eagerly anticipate your prompt response.
Thank you for your attention to this matter. I look forward to a swift resolution and the removal of these inaccurate inquiries from my credit report. You can contact me at XXXX or XXXX if you require any further information.
Sincerely,
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX last XXXX of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my XXXX Credit Report.
Dear XXXX, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code & 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX, and I noticed Unauthorized inquiries on my Report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within XXXX ( XXXX ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of every XXXX even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last XXXX of my SSN XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within XXXX ( XXXX ) business days will be my undoubted evidence used in XXXX Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of XXXX days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within XXXX days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable XXXX award I can seek ) in damages for XXXX or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity XXXX XXXX. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last XXXX of my SSN XXXX Birthday XX/XX/XXXX XXXX XXXX, City, XXXX & Zip is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last XXXX of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete Factual Data Company , Inquiry date XX/XX/XXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last XXXX of my XXXX XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last XXXX of my XXXX XXXX Birthday XX/XX/XXXX XXXX XXXX, City, XXXX & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
|
XX/XX/XXXX [ XXXX XXXX XXXX ].
XXXX XXXX XXXX XXXX c/o XXXX XXXX.
Private Mailing Locaation # XXXX.
XXXX XXXX XXXX. [ RR XXXX ] near XXXX. Pennsylvania.
Non-domestic, Non-resident, Non-assumpsit.
Zip code exempt, without the United States.
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TransUnion XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX XXXX Notice and Demand by Written Communication I am a law-abiding, federally protected consumer, as defined by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681a ( c ). TransUnion, XXXX, and XXXX are each a consumer reporting agency, as defined by the FCRA, 15 USC 1681a ( f ), and therefore are all permitted to report fair and accurate information, with respect to my privacy as the consumer and in accordance with my written instructions. I have reviewed my credit report and noticed several items which cause me to believe that you and your co-workers may have committed several violations against me. Each violation has a statutory cost of up to {$1000.00} each, which does not include my personal cost of mental anguish, emotional distress, or fees which I determine for taking time to address these issues and material allegations.
I accept that at all times, TransUnion, XXXX, and XXXX each act by and through its agents, servants, and/or employees who are acting within the course and scope of their agency or employment, and under the direct supervision and control of their respective employers for which the above-named XXXX XXXX XXXX are the ultimate authority, respectively, and are therefore the responsible party for all damages.
As the consumer, natural person, and owner of the authentication features ( per 18 USC 1028 ( d ) ( 1 ) ) used to identify my consumer report, these are my written instructions, pursuant to 15 USC 1681b ( 2 ) : 1. Personal Information The proper spelling of my name is XXXX XXXX XXXX, remove all other variations immediately as they are not accurate and in order to use my name in any form, for any purpose, you must provide me with proof that you have obtained my prior, express, written consent to do so. All rights XXXX re XXXX XXXX of XXXX XXXX XXXX XXXX, as well XXXX XXXX and all derivatives and variations in the spelling of said trade-name/trademark, not excluding XXXX XXXX XXXX Common Law Copyright XXXX by XXXX XXXX XXXX. Said trade-name/trademark, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor used, nor reproduced, in whole, nor in part, nor in any manner whatsoever, without my prior, express, written consent and acknowledgment as signified by my signature in red ink.
You are only authorized to address me at my Private Mailing Location in the following format and in no other : [ XXXX XXXX XXXX ].
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Private Mailing Location # XXXX.
XXXX XXXX XXXX. [ RR XXXX ] near XXXX. XXXX.
Non-domestic, Non-resident, Non-assumpsit.
Zip code exempt, without the United States.
All other addresses are fraudulent, inaccurate and must be removed immediately!
Immediately remove ALL employers from my credit report, for the protection of my privacy.
2. Remove the following accounts and unauthorized inquires for inaccurate and unlawful reporting : XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) *** PLEASE DELETE ALL UNAUTHROIZED INQUIRES *** I do not recognize any of the above-listed account numbers, and while many of the accounts appear to be the same or similar across all three bureaus, there is consistent misrepresentation of dates and there are inaccuracies in the data reported by each bureau for the accounts which appear to have the same account numbers and account-holders. This gives cause for the reasonable belief that my consumer report is fraudulently furnished with mis-merged or mixed files which is a violation of my rights and causes harm to me.
Be advised that this is not a request for validation of debt, this is a Notice and Demand. You are noticed that I am a consumer, natural person, living spirit, and that I am not responsible for any of the above-listed accounts OR inquires nor am I a party to any contract that you or your agency may have with any of the above-listed account holders. Neither you nor any of the above-listed account OR inquires holders have, now or ever, received my express, written consent to use my private property, XXXX XXXX XXXX XXXX and any and all derivatives thereof, for any purpose whatsoever, making you severally and jointly liable for the theft and unlawful use of my identity as well as for every fraudulent action and transaction related to the identity theft, as defined at 15 USC 1681a ( q ) ( 3 ).
If you wish to resolve this matter, this will be your best opportunity to do so. The above-listed items must be deleted from my consumer report and credit file within 72 hours or by XX/XX/XXXX. You must forward to me a letter stating that these items have been removed and will not appear on my credit reports again, and I require that this letter contain the wet-ink signature of a natural person, otherwise, such letter will be evidence of willful and negligent violation of 15 USC 1681g ( a ) ( 3 ) ( A ) due to failure to clearly and accurately disclose the identification of each and every person that has procured my consumer report.
Once you have deleted this information, please mail me a complete and accurate copy of my consumer report AND a copy of my credit file, as prescribed by federal statute. You are only authorized to send me a report with all of the updates demanded herein this Notice, anything else will be considered willful and negligent violation of my rights, including but certainly not limited to : 15 USC 1681g ( a ) ( 1 ) by failure to clearly and accurately disclose all information in my file ; 15 USC 1681e ( b ) by failure to follow reasonable procedures to assure maximum possible accuracy of my credit reports ; 15 USC 1681 ( a ) ( 1 ) ( A ) by failure to conduct a reasonable investigation to determine whether the dispute information was inaccurate or incomplete ; 15 USC 1681b ( f ) ( 1 ) by obtaining my consumer report for a purpose other than as authorized ; 15 USC 1692e ( 2 ) ( A ) - False representation of the character, amount, or legal status of any debt 15 USC 6821 as you are a financial institution, as defined at 15 USC 6827 ( 4 ) ( B ), and you are in violation of my privacy ; 18 USC 1028- Fraud and related activity in connection with identification documents, authentication features, and information ; 18 USC 1028A- Aggravated identity theft ; 18 USC 241- Conspiracy against rights ; 18 USC 242- Deprivation of rights under color of law ; Furthermore, I do not wish to have my name, address, telephone number, credit file, or other information sold or traded with any marketers. In addition, do not allow any credit issuers to prescreen my credit file for credit offers. I am demanding that all information that relates to or identifies me and my accounts remain private. Please remove my name, address, and credit profile from your marketing lists to ensure the protection of my privacy rights and to prevent them from continuous violation. I have endured more than enough suffering due to inaccurate and fraudulent consumer reporting, including mental distress, emotional distress, financial hardships, and loss of opportunities.
I require that all mail correspondence be addressed to my Private Mailing Location in the exact format contained within this Notice as any other format would be unlawful use of my property and fraudulent change of address for which you agree to accept full liability as you expose yourself as the one responsible for the fraudulent activities that have caused harm to me and have been adverse to my interests as a consumer. Take Notice that I will not hesitate to file a formal complaint with the Federal Trade Commission, State Attorney General, and the Better Business Bureau, and that I fully reserve my right to do so. I am most grateful for your cooperation and look forward to resolving this matter expeditiously.
All Rights Reserved, Without Recourse __________________________________ Enclosed : Copy of my PASSPORT PHOTO ( FOR IDENTIFICATION PURPOSES ONLY..! ) Copyright Notice Copy of my state ID ( FOR IDENTIFICATION PURPOSES ONLY )
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| 08/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
My name is XXXX XXXX XXXX. My social security # is XXXX and my date of birth is XX/XX/XXXX. Enclosed please find a copy of identification as proof of identity and current mailing address.
I demand to see verifiable proof ( ie. Original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof you must remove the account listed below.
I demand that the following account be verified or removed immediately.
I respectfully request to be provided proof of this alleged item, specifically the contract, note of other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last two years for employment purposes.
Additionally, please provide the name, address and telephone number of each credit grantor or subscriber.
Under the federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided to me within fifteen ( 15 ) days of the completion of your investigation.
In addition, please remove all non-account holding inquiries over 30 days old. Also please add a promotional suppression to my credit file.
Under the federal law you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well to be provided to me within fifteen ( 15 ) days of the completion of your re-investigation.
Thank you, XXXX XXXX XXXX XXXX XXXX sent me a copy of the repossession letter which is included with this formal demand letter. It advises the vehicle was repossessed XX/XX/XXXX and the repossession status is listed on my credit report. I was sent the repossession letter from XXXX who represents XXXX XXXX. The letter was received by me on XX/XX/XXXX. XX/XX/XXXX I called XXXX XXXX and spoke with XXXX again and she advised me XX/XX/XXXX she got a notification that the vehicle was not picked up nor seized and that I had called XX/XX/XXXX and was advised to contact my local police department. I did not call XXXX XXXX XX/XX/XXXX, the last time I spoke with XXXX XXXX was XX/XX/XXXX when I obtained the repossession letter and my phone records I am attaching proves that I did not call XXXX XXXX XX/XX/XXXX which gives me reason to strongly believe this representative of XXXX XXXX not only accessed the auto loan file without my knowledge but also without me on the phone which is violation of my personal information and not under any circumstances shall an individual other than the consumer enter and work in a consumers file without their knowledge, presence nor authorization and it just goes to prove even more that the account has not been accurately documented within XXXX XXXX file because I have had several situations with them when information advised to me before this was not documented ( ie. When I spoke with XXXX in the XXXX XXXX Legal Department, she advised me when I contacted her about the vehicle fuel line busting the same date of purchase XX/XX/XXXX and the motor blowing up XX/XX/XXXX less than 30 days of date of purchase that XXXX XXXX could cancel the auto loan and make the dealer take the vehicle back and she said we just had to take the vehicle to multiple shops for inspection and if it is deemed as a non-fit vehicle then they would cancel the contract. We did just that and then contacted XXXX and she then advised she had to no way of cancelling the contact which is obviously not what she had advised prior ( multiple times ) so I asked for her supervisor and I spoke with him and I told him to listed to the past phone calls that way he could hear that I was advised multiple occasions that XXXX XXXX could cancel the auto loan. The supervisor called me about 3 weeks later and he said he did not hear her say anything about cancelling the contact which is a lie if ALL of their calls are monitored and recorded ) I was also advised from the supervisor a lot of the conversations XXXX and I had were not documented with the information discussed and given. I purchased the car fax online and the before purchase the vehicle was in an accident as well as failed emissions twice, the second time was right before it was purchased by me and the other party on this auto loan XXXX XXXX XXXX which at the time of purchase was not disclosed to us from the dealer XXXX XXXX.
Now back to the recent phone calls with XXXX XXXX, I called XX/XX/XXXX and I spoke with a representative named XXXX in the redemption department and she advised me I needed to speak with the repossession department and she transferred me and I was connected with a woman named XXXX and she then told me they all of a sudden did not have the address on file where the vehicle was repossessed from which is not true because I provide them with the address several times in the past. Yet now XXXX XXXX advised me they no longer have the address on file. I asked her for the repossession company 's name and phone number and she refused to give me their contact information and then advised me, I am only able to give you that information if you are trying to get the car back I told her I would like the phone number so I can reach out to them since XXXX XXXX is claiming to all of a sudden not have the vehicle yet I have the repossession letter. XXXX XXXX is also reporting an incorrect balance of {$15000.00} and the correct balance was {$13000.00} which is the amount signed for with the contract as well as the auto loan is reported under the wrong address XXXX XXXX XXXX XXXX. I have the repossession letter from XXXX XXXX, XXXX XXXX is claiming they now do not have possession of the vehicle and they are reporting this vehicle as a repossession on my credit report as well as XXXX XXXX XXXX XXXX credit report.
The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act, the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in XX/XX/XXXX, and is enforced by the U.S. Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Consumer fraud, as defined by Arizona law, is any deception, unfair act or practice, false statement, false pretense, false promise or misrepresentation made by a seller or advertiser of merchandise. In addition, concealment, suppression or failure to disclose a material fact may be consumer fraud if it is done with the intent that others rely on such concealment, suppression or nondisclosure. Merchandise may include any objects, wares, goods, commodities, intangibles, real estate or services.
XXXX XXXX XXXX, one of the largest U.S. subprime auto lenders, has agreed to pay {$27.00} million to resolve claims by Massachusetts ' attorney general that it misled investors and made high-interest loans to borrowers that it knew they would be unable to repay. XXXX XXXX has multiple lawsuits for their negligence and not abiding by the law.
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| 09/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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*** T
o begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
To Whom It May Concern, In the course of recently screening my personal Transunion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
3. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT. XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
4. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a
violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
5. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. 6. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS
ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any
deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you
advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/1986 in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last XXXX of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last XXXX of my XXXX XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last XXXX of my XXXX XXXX Birthday XX/XX/XXXX XXXX XXXX, City, XXXX & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXXXXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX XXXX XXXX This is not mine. 3.The following account is not mine XXXX XXXX XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXXXXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXXXXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXXXXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX XXXX XXXXXXXX My parent has the same name as me. 25.Validate Account XXXXXXXX XXXX XXXXXXXX Please supply information on how you have verified this item. 26.Validate Account XXXX XXXX XXXX XXXX XXXX 27.The following account is not mine XXXX XXXX XXXXXXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXXXXXX XXXX XXXXXXXX Please Update all payment, all pay was made on time. The Credit Bureaus never did a proper " investigation '' according to the FCRA. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. The did not do this. Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions Remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXXXXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX, Inquiry date XX/XX/XXXX, and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXXXXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violation of the Fair Credit Reporting Act XXXX. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXXXXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The XXXX XXXX XXXX XXXXaccount and consumer reporting agency TransUnion below has violated my federally protected consumer rights to privacy and confidentiality under the Privacy Act of 1974. The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act and Privacy Act of 1974. I acquired my recent credit report and I asked the credit bureaus to make sure everything was complete and accurate according to 12 CFR 1022.41 and 16 CFR 313.7 Form of opt out notice to consumers.Per 15 USC 1666a Regulation of credit reports, 15 USC 1666b- Timing of paymentsPer the FCRA CHAPTER 8 PRIVACY SAYS and 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report The term consumer report does not include : Any report containing information solely about transactions or experiences between the consumer and the institution making the report. XXXX XXXX and TRANSUNION are not reporting the correct and accurate information to my credit file correctly and there are serious discrepancies with which my account is being reported. I waited 30 days or more since then and received my investigation and noticed everything was still the same the consumer reporting agencies. TranUnion did not modify or remove anything. I have the right to privacy per the privacy act of 1974. The Privacy Act of 1974 is a federal law that governs our collection and use of records we maintain on you in a system of records. A system of records is any grouping of information about an individual under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act, Federal agencies may not disclose information without consent unless certain exceptions apply to the disclosure. The Privacy Act provides protections to individuals from the right to be protected against unwarranted invasion of their privacy resulting from the collection, maintenance, use, and disclosure of their personal information. I Have the right to opt-out of any and all reporting to my report. I was never given a opt-out notice that was clear and conspicuous from under 16 CFR 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 16 CFR 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third partythis opt-out option in their available. It also states that they will not share my information with nonaffiliates or affiliates in their contracts. This is my information that they are sharing without my being given the opportunity to opt-out which is with in my right as a consumerreporting incorrect across all 4 credit reporting agencies XXXX, TransUnion, XXXX, XXXX XXXX, and TransUnion 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. The date open is not correct, the date last active is not correct, date of last payment is not correct on all 3 reports. 15 U.S. Code 1681e - Compliance procedures- to have maximum accuracy when reporting to a consumers report. All the reporting agencies are reporting inaccurate dates and amounts on my consumer reports. Some reports have more transactions reporting than others.account status being updated to paid as agreed and all payments and balances be updated to zero under the law. It is not reporting correctly as the law says in maximum accuracy per 15 USC 1681c-2 subsection ( b ) Accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Which is a violation. This is impacting me from buying a house for my family. I am a single mother being Violated and disregarded and the laws are being disregarded as well. Someone needs to be held accountable for this. This is very frustrating for me XXXX is not doing their job according to the law. The law clearly states that it is illegal under 15 U.S. Code 1681 to report transactions every month ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not includeunder subsection TransUnion can not report containing information solely as to transactions or experiences between the consumer and the person making the report ; Which mean TransUnion is not allowed to report my transactions from any financial institution without my permission. It is not to be reported on. Transactional history is not to be reportedHISTORICAL TRENDED DATA, TRANSACTIONAL HISTORY, MINIMUM BALANCES, HIGH BALANCE AND BLANCES UPDATED TO ZERO IMMEDIATELY AND HISTORICAL TRENDED DATA, TRANSACTIONAL DATA TO POSTIVE ON TIME PAYMENTS AND ACCOUNT STATUS UPDATED TO PAID IN FULL THE AMMOUNT UPDATED TO ZERO. DELETE THIS ACCOUNT IMMDEIATELY AND INDEFINITELY attached my previous credit report to show how Transunion violated my rights. And I attached all terms and condition, privacy notices that says my information will not be shared with any non-affiliates or affiliates I am a customer/consumer whose non personal information is being shared. Transunion has violated me and abused the law by sharing and receiving my personal information without my consent. Per the law 15 USC 6801-6805. 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. ( b ) Financial institutions safeguardsIn furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards THIS IS DEFINITLEY IDENTITY THEFT WHEN A FINANCIAL INSTITUTION AND TransUnion TAKES YOUR PEROSNAL INFORMATION AND SHARES IT WITH OUT YOUR KNOWLEDGE AND FOLLOWING THE LAW TO TAKE THE PROPER STEPS TO MAKE SURE THAT CONSUMERS INFORMATION IS NOT BEING RELEASE UNDER DISHONEST AND UNDERHANDED PRACTICES 15 U.S. Code 1681c2 - Block of information resulting from identity theft due to the nature of this company violation my privacy rights they have 4 days to update this information with all reporting agencies involved with my consumer report being reported inaccurately indefinitely ( a ) Block Except as otherwise provided in this section, a agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ( b ) Accuracy of report-Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. UNDER THIS LAW IM AM DUE COMPENSATION FOR THE DAMAGES, EMBARESSMENT AND NEGLECTFULNESS THAT HAS BEEN DONE TO MY CREDIT FILE. THE CREDIT REPORTING AGENCIES ARE NOT DOING THEIR DUE DILLIGENCE IN EFFFECTIVLEY PREVENTING THESE ACCOUNT FROM REPORTING INNACURATLY AND BREAKING THEIR OWN PRIVACY NOTICES AND TERMS AND CONDITONS POLICIES THEY HAVE PROMISED TO COMSUMERS 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Secti
on 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX, Inquiry date XX/XX/XXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of c ertified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting. Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my XXXX XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX XXXX Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX , Inquiry date XX/XX/XXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my XXXX XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my XXXX XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( XXXX ) by Original Creditors on my XXXX Credit Report.
Dear XXXX, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX Card XXXX XXXX XXXX XXXX , Inquiry date September 20, 2021 and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : Lakevin Madlock The last 4 of my SSN XXXX Birthday XX/XX/XXXX9 My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 06/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX , Inquiry date XX/XX/XXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SSN XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last XXXX of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX, Inquiry date XX/XX/XXXX and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last XXXX of my XXXX XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last XXXX of my XXXX XXXX Birthday XX/XX/XXXX XXXX XXXX, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
|
| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX, and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my XXXX XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my SSN XXXX Birthday XX/XX/XXXX My Street, City, State & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Transunion XXXX XXXX XXXX, XXXX, PA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX last 4 of my SSN : XXXX My Birthday : XX/XX/XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
Dear Transunion, I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete XXXX XXXX, Inquiry date XX/XX/XXXX, and I noticed Unauthorized inquiries on my report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of the foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more than 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake, I am requesting that the entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my XXXX XXXX and My Birthday XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to Metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance.
I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sueable monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My first and last name is : XXXX XXXX The last 4 of my XXXX XXXX Birthday XX/XX/XXXX XXXX XXXX, City, XXXX & Zip is : XXXX XXXX XXXX XXXX, XXXX, IL XXXX I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today, right now even.
Thank you for your help and assistance.
Sincerely, XXXX XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
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| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account In question : XXXX account # XXXX account type : revolving account account type ( XXXX ) : charge card account type detail : revolving account account type detail ( XXXX ) : individual bureau code : individual account bureau code : individual account status : closed date opened : XX/XX/XXXX balance : XXXX high credit : XXXX credit limit : XXXX payment status : charged off as bad debt comments ( transunion ) XXXX profit and loss write-off comments ( XXXX ) : **consumer statement** y item disputed by consumer just want to take the time now to address the fact that XXXX has already deleted this account XXXX So unless this account is validated pursuant to 15 USC 1692G. Then the debt and the reporting of said debt will have to be deleted from my consumer credit file. Since XXXX has deleted this information already I would highly advise that Transunion and XXXX do the same since the files that I am requesting were not submitted in a timely fashion with my previous and final dispute with XXXX. lastly the fact that this account does not appear on the XXXX consumer credit file does mean that just off that one fact the other two credit reporting agencies are reporting false and or fraudulent information and keeping me from the very credit that gives this county life.
thank you.
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| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXXXXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX, XXXX 2. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 3. The following personal information is incorrect Account Number : Also Known As : XXXX, XXXX 4. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX 6. XXXX XXXX bankruptcy discharged Case Number : XXXX The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such informance or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies I demand this account be removed.
7. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
8. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXXr or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX 2 XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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From XX/XX/XXXXXXXX until XX/XX/XXXXXXXX XXXX mailed billing statements to addresses that I do not live at, some of which I have not lived at in over fifteen ( 15 ) years. While XXXX may claim they do not know about such issues, they have been made aware on at least three ( 3 ) occasions, as they have been the basis of CFPB complaints XXXX, XXXX, XXXX, directly sent to XXXX. Moreover, XXXX has also been notified of it's failure to send statements to the correct address through at least one ( 1 ) XXXX dispute ( resulting from CFPB complaint XXXX ), one ( 1 ) XXXX dispute ( resulting from CFPB complaint XXXX ), and one ( 1 ) TransUnion dispute ( resulting from CFPB complaint XXXX ) , all of which were filed on or around XXXX XX/XX/XXXXXXXX along with CFPB complaint XXXX. Those disputes and their CFPB responses all claimed XXXX had verified the " accuracy '' of the payment history furnished to the CRAs, when XXXX knows, or has had reasonable cause to believe they were not sending statements to my correct mailing address. In fact, XXXX acknowledged they resorted to skip-tracing as a result of an alleged returned piece of mail in their XXXX XX/XX/XXXX response to CFPB complaint XXXX. And, since XXXX conducted their skip-tracing haphazardly, one piece of mail that is alleged returned caused the system to randomly select another address from some ethereal list of prior addresses. Each subsequent mailing that resulted in returned mail then caused XXXX 's system to randomly change to a different address where I do not currently reside. Thus, a chain of failures to deliver statements resulted due to a single piece of mail being accidentally returned or lost by USPS in XXXX. Within the last two ( 2 ) months I have spoken with a XXXX customer service representative who stated she'd personally seen XXXX systems behaving in this manner leading to borrowers not receiving their billing statements. In fact, in their XXXX XX/XX/XXXXXXXX response to XXXX, XXXX alleged they verified the validity of a current mailing address for me in the State of FL, a state I had not lived in since XXXX, claiming no returned mail from that address constituted the address as a valid mailing address for me. Any reasonable individual would conclude verification of an address using XXXX 's method is a poor method for verifying the current mailing address of an individual because it expects a third-party ( unrelated to the account in question ) to notify the USPS that an individual does not live at the address to which a statement is mailed. If this were an open-ended account XXXX 's practice would fail as a reasonable billing error investigation method under 15 U.S.C. 1666. The fact is XXXX has resorted to skip-tracing WITHOUT verifying the accuracy of the pool of possible addresses and expected that a third-party individual with no interest in the matter would take the time to notify XXXX and/or USPS that the borrower no longer resides ( if ever ) at the address. As consequence, a piece of mail sent to an address that is returned causes XXXX 's system to randomly select another address using skip-tracing, without verifying accuracy, resulting in a cascading effect even after a borrower may have provided and/or corrected information for a current address on one ( 1 ) or more occasions. Now, make no mistake TILA/Regulation Z requires XXXX to mail periodic statements at steady intervals whose due date is established by that printed on the the first statement generation date when the loan enters repayment ( ). However, that statement must be mailed to the borrower ( at a current mailing address ) in order to establish the first cycle. In my case it is very possible XXXX mailed a notice that my student loans would be entering repayment, and upon return of that notice, the system resorted to skip-tracing beginning from my first statement. XXXX may claim the accounts they service are closed-ended accounts and as such those accounts are not subject to the timing of payments requirements specified in 15 U.S.C. 1666 ( b ). Nevertheless the lender, XXXX XXXX XXXX, acknowledges a minimum twenty ( 20 ) day interval between the statement generation date and statement due date in their XXXX XX/XX/XXXX response to CFPB complaints { XXXX, XXXX and XXXX }, " you were still provided the required 20-days between our notice date and your first payment due date ''. XXXX claims the provisions under the original MPN do not permit a borrower to claim a failure to receive statements as a defense to non-payment on the student loan. And, it is true, as XXXX points out, there exists language in Section E.2 of the MPN that states " I am not relieved of my responsibility and obligation to make such payments if I do not receive billing statements. and any other written payment notices from you. '' While quoting this provision in their XXXX XX/XX/XXXXXXXX response to CFPB complaint XXXX, XXXX conveniently makes a serious omission in the language of the MPN. The portion of Section E to which XXXX refers establishes the aforementioned non-receipt of statement provision only after declaring what the lender/servicer must do. In fact, the opening sentence of E.2 reads " During the Repayment Period, you will send me monthly statements, coupons, or other notices that show the amounts of minimum monthly payments and the payment due dates. '' In other words, the opening sentence establishes a borrowers right of notice : to be notified on a monthly basis about the status of their loan account ( s ) such that they may review the payment required for the current billing cycle, and review any payments, charges, and adjustments made to the account since the end of the previous billing cycle. This is all the more important because although the loan in question is a student loan, it has an adjustable interest rate, like an open-ended line of credit such as that attached to a credit card and as such adjusts with the change interest rates set by the Federal Reserve . It then follows that given the XXXX XXXX acknowledgment of a minimum twenty ( 20 ) day interval between statement generation date and statement due-date in response to CFPB complaints { XXXX,, }, and given the MPN Section E.2 obligation of the lender/servicer to send periodic statements on a monthly basis, that although the account in question pertains to a closed-ended account, any reasonable individual would construe the lender would send statements that are compliant with TILA/Regulation Z on a periodic ( monthly ) basis with a minimum duration between statement generation date and statement due date that is not less than twenty ( 20 ) days, which is one ( 1 ) day less than what is required under TILA/Regulation Z for open-ended ( credit card ) accounts. Finally, it is not without mentioning the abusiveness in XXXX 's response to CFPB complaint XXXX. I am a XXXX individual that manages a XXXX with medication that has been in short supply since XX/XX/XXXX. I am also an individual that was recovering from XXXX when my loan entered repayment. I have experienced XXXX XXXX XXXX XXXX XXXX XXXX ) as a part of XXXX, which on its own and in conjunction with long delays in renewing medication, has rendered me unable to communicate over certain periods due to XXXX XXXX XXXX XXXX XXXX XXXX. That XXXX would repeatedly send statements to incorrect addresses and then report missed payments to the CRAs is not only a furnishing of false/misleading/inaccurate information, but is also abusive. I repeatedly notified XXXX directly through CFPB complaints and through the CRAs of their failure to send statements to my correct address. I also corrected my address on more than one occasion with XXXX only o have it overwritten due to errant skip-tracing. That after doing such on multiple occasions XXXX would seek to paint me as " another individual that is habitually unable to pay their bills, '' and then furnish derogatory information to the CRAs, is abusive. The fact is I have done everything I am supposed to do to protect my interests. Yet there is a limit to which I can protect my interests if periodic statements are not mailed to me. XXXX has engaged in unfair, unlawful, and abusive acts and practices that have harmed me as a consumer, for which the harm is magnified for me as a XXXX individual. At this point XXXX knows, or has reasonable cause to believe the information they are furnishing to the CRAs is false/misleading/inaccurate under 15 U.S.C. 1681e as result of their engagement in unlawful acts and practices that are prohibited under 12 U.S.C. 5531.
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| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am writing to you in relation to several discrepancies and inaccuracies present on my credit report. The purpose of this letter is to formally dispute the information provided by various creditors, to assert my rights under the Fair Credit Reporting Act ( FCRA ), and to share a deeply personal story highlighting how these inaccuracies have significantly impacted my life.
My personal information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I recently obtained a copy of my credit report and was dismayed to find several entries that are either inaccurate or unauthorized. The information provided by the creditors in question has adversely affected my ability to access credit, secure favorable interest rates, and achieve my financial goals. The inaccuracies on my credit report have caused immense emotional distress and financial hardship, which I will explain through a personal experience : [ Share Your Personal Story Here Detail the Impact on Your Life ] Imagine being denied a mortgage for your dream home, a loan to cover emergency medical expenses, or even a credit card to provide for your basic needs. These are not hypothetical scenarios for me ; they are harsh realities that I have faced due to the errors and unauthorized inquiries on my credit report.
In the midst of trying to establish a stable financial foundation for my family, I have encountered barriers that I never thought possible. The errors on my credit report have prevented me from achieving the milestones I had envisioned, causing sleepless nights, XXXX, and strained relationships. I am not merely a statistic ; I am a person who is working diligently to secure a better future, and the inaccuracies on my credit report have placed unnecessary obstacles in my path.
I am fully aware of my rights under the FCRA and FACTA, which grant me the ability to dispute and correct inaccurate information on my credit report. I hereby request that you investigate and verify the legitimacy of the accounts associated with the following creditors : Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Please correct/update this inaccurate information on my credit report.
Creditor : XXXX Account XXXX : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
The following personal information is incorrect Violation : Incorrect Personal Information Creditor : N/A Address : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : This address is not correct. Delete it immediately from my report.
Please remove it from my credit report.
Creditor : XXXX Account XXXX : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Please remove it from my credit report.
Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXXK Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX XXXX inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Please correct/update this inaccurate information on my credit report.
Creditor : XXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
The following personal information is incorrect Violation : Incorrect Personal Information Creditor : N/A Address : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : This address is not correct. Delete it immediately from my report.
The following personal information is incorrect Violation : Incorrect Personal Information Creditor : N/A Address : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : This address is not correct. Delete it immediately from my report.
Please remove it from my credit report.
Creditor : XXXX Account XXXX : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Please remove it from my credit report.
Creditor : XXXX XXXX Account Number : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Please remove it from my credit report.
Creditor : XXXX Account XXXX : XXXX Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Please remove it from my credit report.
Creditor : XXXX XXXXXXXX XXXX Account Number : XXXX Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Did not consent to unauthorized inquiry Violation : Unauthorized Credit Inquiry Creditor : XXXX OF XXXX Date of inquiry : XX/XX/XXXX Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
Please correct/update this inaccurate information on my credit report.
Creditor : XXXX Account XXXX : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Please correct/update this inaccurate information on my credit report.
Creditor : XXXX XXXXXXXX Account Number : XXXX Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Based on the aforementioned laws and my personal experience, I urge you to thoroughly investigate the accuracy and legitimacy of the information reported by the creditors listed above. As a consumer, I have a right to a fair and accurate credit report that reflects my true financial history.
I kindly request that you promptly remove the unverified accounts from my credit report and provide me with written confirmation of the actions taken to rectify this situation. I trust that you will honor your obligations under the law and help me restore the integrity of my credit profile.
Please respond in writing within the timeframe prescribed by law, confirming your receipt of this dispute and outlining the steps you intend to take. I am also willing to provide any additional documentation necessary to support my dispute.
Thank you for your immediate attention to this matter. I look forward to a prompt resolution that will alleviate the undue burden placed upon me due to these inaccuracies.
Sincerely, XXXX XXXX XXXX
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| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX is obligated by the fcra to report accurate accounting information.Consumer has advised that all information has been reporting illegally which constitues fraud and identity theft.
XXXX XXXX XXXX has never provided disclosures for the consumer to opt out pursuant to : XXXX usc XXXX - obligations with respect to disclosures tof personal information.
( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Pursuant to 15 usc 6803 disclosure of institution privacy policy it states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
Pursuant to 15 usc 6805- Enforcement-this law is governed by the Consumer financial protection act of 2010 ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law 15 usc 6801-6805 gives authority to the law signed and passed by the president of the united states 16 CFR 313 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
In accordance to 16 cfr 313.7- I, the consumer, not being provided with a means to opt out from the furnisher gives me the right to opt out in writing. I have written the furnisher of said reports XXXX XXXX XXXX and have not received any change to my consumer profile.
Under 16 cfr 313.7 ( 5 ) ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
I, the consumer, am excercising my right to opt out of all reporting and furnishing of information by XXXX XXXX XXXX or any of its affiliates on my consumer report and consumer file in accordance to right provided to me by 15 usc 6802 and 16 cfr 313.7. May it have been written, unwritten, verbal or non-verbal. I take away any authorization XXXX XXXX XXXX or any of its affiliates may have thought or believed to be any consent to do so.
Under the overview of the Privacy Act of 1974 -Conditions of Disclosure to third parties A.The " No disclosure without Consent '' Rulle contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. '' 5 usc 552a ( b ) pursuant to 15 usc 1681 Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; XXXX, Transunion, XXXX and XXXX XXXX XXXX have violated my rights as a consumer.They have violated my privacy, my federally protected irights as a consumer and have done so willingly and knowingly pursuant to 15 U.S. Code 1681n - Civil liability for willful noncompliance and 15 U.S. Code 1681o - Civil liability for negligent noncompliance. In accordnace to 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater I instruct all violations be corrected on my consumer reports, consumer file.
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
1. there is some inaccurate information reporting.
Chapter XXXX Bankruptcy XXXX XXXX : XXXX Delete this account.
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
4. there is some inaccurate information reporting.
XXXXXXXX XXXX XXXX Account Number : XXXX Delete this account.
5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
7. 15 U.SXXXX Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Delete this account.
9. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.
10. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Delete this account.
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX 'S Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX GI Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX FA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX 'S Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX TO Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : 08/24/2023 Please remove it from my credit report.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
44. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
45. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX 'S Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
47. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX ONE Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
48. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
49. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX 'S Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
50. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
51. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
52. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
53. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
54. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
55. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
56. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
57. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
58. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
59. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX, XXXX, XXXX
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| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Request : Rectification of FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing to address concerning discrepancies recently unveiled in my credit report, potentially infringing upon the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). Upon a meticulous review of my credit profile, multiple errors have surfaced, casting doubts on the adherence to FCRA regulations within your agency.
To clarify : The Fair Credit Reporting Act stands as a pivotal federal statute governing the collection and reporting of consumer credit information, emphasizing the utmost importance of accurate data acquisition, retention, and transparent dissemination.
Instances of FCRA violations identified include : Creditors providing inaccurate financial data to reporting agencies.
Reporting agencies consolidating individuals ' information based on name or social security number similarities.
Agencies neglecting prescribed protocols for managing disputes.
As stipulated by the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, particularly concerning employment-related matters.
Receive notification if information in my file has been utilized in credit applications or other transactions against my name.
Dispute and request bureaus to rectify and expunge incomplete, erroneous, or unverifiable data.
Have outdated negative information removed in accordance with FCRA guidelines.
I formally request the immediate removal of the listed items below. These items significantly deviate from FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused considerable distress, as evidenced by my recent denial for extended credit, directly attributed to errors originating from your agency.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
I trust in your swift action to rectify these violations within the stipulated timeframe mandated by the FCRA. Failure to comply will, regrettably, necessitate the pursuit of legal measures to ensure my rights under the FCRA are fully protected.
Sincerely, XXXX XXXX
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| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Credit Inquiries XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account Number:XXXX This is not mine. 3.The following account is not mine XXXX Account Number:XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXXXXXX Account Number : Please remove it from my credit report. XXXX Account XXXX XXXX Account XXXX : Please remove it from my credit report. XXXX Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXXXXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX Account Number:XXXX My parent has the same name as me. 25.Validate Account XXXX Account Number:XXXX Please supply information on how you have verified this item. 26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account NumberXXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time.
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
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| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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See letter attached sent XX/XX/XXXX This account was closed in XXXX says it was closed in XXXX.
Per the FCRA as a Federally Protected Consumer I Am OPTING OUT any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal as per 15 usc 6802. And all corresponding laws below.
Reporting transaction history is illegal, as per 15 USC 1681a Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 Opt Out Laws PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
Every company owes you a privacy notice before they furnish any information to our consumer report 12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
__________ ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Once again they must give you an opt out notice for anything that is to be added to your consumer report.
15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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*******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq.
and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.
This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.
XXXX This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( XXXX ) The name and address of the organization or other governmental unit alleging a debt ; ( XXXX ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( XXXX ) The name of the actual creditor even if that is myself ; ( XXXX ) The origin of the funds used to create this alleged claim of a debt ( XXXX ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
( XXXX ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
( XXXX ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
( XXXX ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
( XXXX ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( XXXX ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
XXXX ( XXXX ) The person that prepares and swears to the validation of debt must describe : XXXX ) your job description on a daily basis ; XXXX ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; XXXX ) when did you first come in contact with the alleged account/debt ; XXXX ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; XXXX ) are you the person/employee who regularly works with the alleged account/debt ; and XXXX ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 4 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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*******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq.
and the Fair Debt Collection Practices Act laws of the United States Code XXXX et. seq.
This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.
XXXX This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( XXXX ) The name and address of the organization or other governmental unit alleging a debt ; ( XXXX ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( XXXX ) The name of the actual creditor even if that is myself ; ( XXXX ) The origin of the funds used to create this alleged claim of a debt ( XXXX ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
( XXXX ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
( XXXX ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
( XXXX ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
( XXXX ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( XXXX ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
XXXX ( XXXX ) The person that prepares and swears to the validation of debt must describe : XXXX ) your job description on a daily basis ; XXXX ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; XXXX ) when did you first come in contact with the alleged account/debt ; XXXX ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; XXXX ) are you the person/employee who regularly works with the alleged account/debt ; and XXXX ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 4 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against multiple creditors for their blatant violations of the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ), which have caused significant distress and adverse effects on my financial well-being. I kindly request your assistance in investigating and enforcing my legal rights as a consumer.
Violation 1 : Unauthorized Inquiries Without Consent I have discovered unauthorized credit inquiries on my credit report, with several creditors having pulled my credit information without obtaining my explicit consent. These inquiries have taken place on the following dates XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX - FCRA Section 604, FCRA Section 606, ECOA Section 202.9 I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX XXXX This is not my name. Delete it immediately from my report.
The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX This address is not correct. Delete it immediately from my report.
The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation 2 : Inaccurate Reporting of Account Information The creditor XXXX has inaccurately reported account number XXXX, suggesting late payments that are inconsistent with my payment history. This has significantly damaged my credit score and reputation.
FCRA Section 607, FCRA Section 623 Violation 3 : Reporting of Incorrect Personal Information Furthermore, the credit reporting agencies have included incorrect personal information, such as alternate names and previous addresses that are entirely unfamiliar to me. This misinformation has caused confusion and misrepresented my identity.
FCRA Section 607, FCRA Section 623 Accounts and Resolution Request : The following are the specific accounts in question along with their respective violations : Unauthorized Inquiries without Consent : Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I urge the Consumer Financial Protection Bureau to investigate and enforce my legal rights under the FCRA and ECOA. Specifically, I request that the following actions be taken : Immediate removal of unauthorized inquiries from my credit report.
Correction of inaccuracies in account reporting, particularly the XXXX XXXX XXXX XXXX
Prompt removal of incorrect personal information, including alternate names and previous addresses.
The goal of these requests is not only to rectify the violations but also to restore my financial standing and peace of mind. I appreciate your attention to this matter and your commitment to protecting consumers like me from unjust treatment by creditors and credit reporting agencies.
Thank you for your prompt attention to this serious matter. I look forward to a resolution that will enable me to move forward with renewed hope for a secure financial future.
Sincerely, XXXX XXXX
|
| 05/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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|
Web |
Servicemember |
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On XXXX XXXX , XXXX , after sending certified dispute letters, filing online and several calls, I spoke with a agent at XXXX ( XXXX in Nevada ) s he was very rude and did n't fully verify who I was even though there is a fraud alert and previous security freeze on my file. I asked to be transferred to a supervisor and got bounced around several times. I finally reached a supervisor in the fraud department ( XXXX ) I informed her of the previous disputes out the Bankruptcy ( XXXX ) as well as the accounts/public record and the inquires made without my consent. I was informed to file a police report. I had her on the phone while I was at the police station and the sergeant on duty told me that unless there is a current balance owed on the information that there was no need for a police report. When I returned to the call, she stated that if I faxed the information showing that, XXXX is reporting to them and the Bankruptcy court letter saying they have n't and do n't report to them, she would delete the unauthorized/non-contract holding accounts and inquiries seeing as no one has every provided me with the proof nor verification requested. I received a confirmation number of XXXX and was to ld it may t ake up to 30 day for the items to be deleted and me to receive an updated report showing so. On Saturday, XXXX XXXX , I received XXXX so called updated credit report dated XXXX , XXXX , XXXX . The first, ( XXXX ) stating that the inquiries, I did n't consent to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; and XXXX from XXXX XXXX are factual record of file access and they will not delete. Stated that I again need to contact each and every creditor. The second, ( XXXX ) stated that the above inquiries as well as XXXX XXXX ; XXXX fro XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been deleted from my credit file. The Bankruptcy listed above and accounts associated with it, updated report date of XXXX XXXX , XXXX , verified through XXXX and will remain. The third only stated that inquiries are to remain for 2 years if with the fraud alert and security freeze. I filed a complaint on XXXX , XXXX with the cfpb and the bbb. Called on XXXX back on XXXX XXXX ( XXXX XXXX an agent ( Smile ) answered and only asked me to verify the last XXXX of my social security number. I asked for the fraud department and was transferred to an agent XXXX XXXX XXXX who also only asked for me to verify my last XXXX when I refused and asked for her supervisor, she hung up. I returned the call and agent ( XXXX XXXX asked me to only spell my last name and told me she saw that I had a fraud alert and transferred me to agent XXXX XXXX XXXX . I began telling him what happened and he placed me on hold for two m inutes and came back and stated that the Bankruptcy court sent them information verifying the case listed above. When I again asked for proof of this verification as well as names of parties involved and dates and addresses and numbers, he then stated that they sent a runner to the courts. Today XXXX XXXX , XXXX at XXXX XXXX CT, I called again to find out what was going on and why they have n't delete the information. The agent answering the call never verified who he was but proceeded to tell me he has me credit file pulled up, no verification of who I am, and placed me on hold to review. He came back online at XXXX and I immediately asked fo r a US agent in the fraud department as he was reading my information he transferred me after holding for 18 m inutes to agent ( XXXX XXXX she verified myself and we began the same conversation as with previous agents. She placed me on hold after I stated XXXX XXXX XXXX XXXX XXXX XXXX is repeatedly violating the Fair Credit Reporting Act by not sending me signed, written verification or validation of a Bankruptcy that showed up on my credit report, and constantly changing the dates that are reported on the credit report to prolong the length of time that it is reported on the report. I sent XXXX several letters requesting signed, written verification or validation. They just respond to me that the Bankruptcy and accounts are verified. There are numerous Inquiries that are on my credit report from companies that I have never heard of and they will not remove them. So I called the US Bankr uptcy Courts and I was told a court clerk ( XXXX XXXX XXXX , that they do not, will not and never will report to the credit reporting agencies due to privacy laws. XXXX is saying that these debts are verified, Who is verifying them??? She transfer me to her supervisor. Supervisor XXXX answered call at XXXX XXXX and placed me on a short hold to view my file. He verified me and told me that the Bankruptcy disputed on XXXX XXXX , is still processing because they did n't start the dispute until XXXX XXXX . I informed of the XXXX letters I received as well as what other agents stated. He told me that they did receive the files I sent even though I was told they never received anything from me. He proceeded to tell me that they verified it when the courts sent my file to them. I asked for this verification, he stated they were not allowed to disclose the information. I was in tears. I told him how long this process has been going on with every agent stating something different. It 's frustrating having to prove who I am and that I did n't do something or it is n't mine. He then stated, that what he said was n't true and that the courts do n't verify it but a XXXX party called XXXX did verify it when XXXX called them. Again I asked for name, number called and proof, because I sent them the consumer file I received from XXXX as well as them having the copies sent to them from the cfpb. He told me okay that is n't true either and that they sent a runner to the courts. I asked him was he kidding me, he lied to me and violated my rights and he said they ca n't do anything. I yet again asked to speak to someone else because he truly upset me. At XXXX , A supervisor ( XXXX XXXX came on the line and told me that the previous agent filled him in on the situation. I asked him if the other agent told him of the lies he told me and he said no. He asked for a moment to read the notes and laughed. He apologized for the previous agent. I stated that the encounter alone, should have had the file deleted. He told me that the dispute from XXXX XXXX is still pending because no one has responded nor verified the file. I asked him what they used to verify and he asked for my email address and stated that he would send me what they use and that he would take care of the removal. I asked how could he do that, when everyone else for months has said no and sent no proof. He told me it will be explained in the email and then gave me a confirmation number ( XXXX ) to check back with. This has been such a long and worn out process and still they are violating the FCRA as well as myself. I have sent certified mail to all XXXX credit bureaus asking them to please remove a bankruptcy that is not mine off of my credit report. I also asked them to send me proof of there verification papers and process so that I can assist in getting this information corrected to which they will not comply. I have reach out to the court system they have listed on my credit report and their response was that they do n't supply court case information to these companies. Once I got this response from the court I contacted them sending them certified mail and several faxes as well as online disputes, showing that and requested that they remove those accounts. They have yet to update my credit and have failed to remove this account. I have went to my local police to file a report about my identity theft like the credit bureaus have asked me to do and was denied due to no current balances on the accounts. I have done all that they have asked me to do as far as alerts and blocks, yet they wo n't remove the inaccurate information from my credit and wont comply with request for documentation on this case leading me to obtain legal counsel to file a lawsuit as soon as possible due to the fact that all XXXX have violated the FCRA Laws without total disregard to the damage it does to consumers. XXXX has just settled a class action lawsuit over this exact same issue, I will be a part of the suit also.
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| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute and address several inaccuracies and violations present on my credit report. I have attached a copy of my credit report with the disputed items highlighted for your reference. I must emphasize that these inaccuracies have significantly impacted my financial well-being and personal life, prompting me to request your immediate attention to this matter.
Let me share with you a deeply personal account of how these inaccuracies have affected my life. My journey as a hardworking individual who values financial responsibility has been compromised by the misinformation on my credit report. I've strived to build a stable life for myself and my loved ones, and this journey has been marked by sacrifices and diligent efforts.
Unfortunately, the inaccurate information on my credit report, including erroneous account details, unauthorized inquiries, and incorrect personal information, has led to unjust consequences. I recently applied for a mortgage to secure a home for my family, a dream I've worked tirelessly toward. Regrettably, due to the errors on my credit report, I was denied the mortgage I had anticipated for years. The emotional toll of being denied the chance to provide a safe and stable environment for my family is immeasurable. The uncertainty and XXXX that follow such a setback are indescribable, and they cast a shadow over my aspirations and peace of mind.
I implore you to take immediate and decisive action to rectify this situation. Under the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable laws, I insist on the following actions : Conduct a thorough investigation into the disputed items I've highlighted.
Enforce legal measures against creditors who have provided inaccurate information, unauthorized inquiries, and false personal details.
Promptly communicate the investigation results to me in writing.
Moreover, I request that you hold the creditors accountable for their failure to provide accurate and verifiable information. Specifically, I urge you to require the removal of the following unverified accounts from my credit report : XXXX XXXX XXXX Name : The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violation : Incorrect personal information.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account number : Name, The following personal information is incorrect. This is not my name. Delete it immediately from my report.
Violation : Incorrect personal information.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Violation : Unauthorized credit inquiry.
Section : Fair Credit Reporting Act ( FCRA ) - Unauthorized Inquiries XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : Incorrect address information.
XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : Incorrect address information.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : Inaccurate reporting of payment history.
Section : Fair Credit Reporting Act ( FCRA ) - Section 611 ( Procedure in case of disputed accuracy ) I understand that your commitment to ensuring fair and accurate credit reporting is vital. As a consumer seeking justice, I trust that your actions will reflect this commitment and provide a chance for redemption. I am prepared to take any necessary legal steps to ensure that my rights are upheld and that my credit report accurately represents my financial history.
Please respond to this dispute in writing within the statutory timeframe, as mandated by law. Should you require any additional information or documentation from me, I am prepared to provide such upon request. You can contact me at ( XXXX ) XXXX or XXXX.
I eagerly await your response and the resolution of this matter. Your cooperation and adherence to the laws governing fair credit reporting are essential to rectify the unjust situation I am facing.
Sincerely, XXXX XXXX
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I hope this letter finds you well. I am writing to lodge a formal dispute regarding a series of violations that have adversely affected my financial well-being, and to respectfully request the Consumer Financial Protection Bureau 's intervention in enforcing my legal rights under the applicable laws.
My journey with the credit reporting system has been a source of immense frustration and distress. As a conscientious individual who values financial responsibility, I was deeply alarmed to discover a sequence of unauthorized credit pulls and inaccuracies on my credit report. These violations have had a profoundly detrimental impact on my life, significantly compromising my ability to obtain loans, secure housing, and even pursue meaningful employment opportunities.
Unauthorized Credit Pulls : It has come to my attention that a number of creditors have executed unauthorized credit pulls without my explicit consent. Specifically, the following creditors have engaged in this practice : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
These unauthorized credit pulls raise concerns under the provisions of the Fair Credit Reporting Act ( FCRA ). According to FCRA Section 604, creditors are required to have permissible purposes for accessing credit reports. I assert my right to dispute these unauthorized credit inquiries and request their immediate removal from my credit report.
Inaccurate Account Information : Furthermore, I have discovered several accounts on my credit report that are marred by inaccurate reporting, thereby unjustly tarnishing my creditworthiness. The following accounts are particularly concerning : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inaccuracies are a direct violation of the FCRA, which mandates accurate and fair credit reporting. I request that the Consumer Financial Protection Bureau takes immediate action to rectify these inaccuracies and restore the integrity of my credit information.
Inaccurate Address Information : Additionally, my personal information, including addresses, has been inaccurately reported on my credit file. The addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have been incorrectly attributed to me. Such errors not only compromise my credit history but also pose potential issues for future communication.
Violation of Consumer Protection Laws : These actions by creditors and credit reporting agencies may potentially contravene consumer protection laws, thereby perpetuating unjust practices. I urge the Consumer Financial Protection Bureau to meticulously investigate these actions to ensure that such violations are not left unaddressed.
Identity Theft Laws : Furthermore, the questionable accounts and unauthorized credit pulls suggest the possibility of identity theft, which is deeply concerning. Laws related to identity theft and fraud are particularly relevant in addressing these issues.
Debt Collection Laws : It is worth noting that certain accounts may be subject to debt collection laws, including the Fair Debt Collection Practices Act ( FDCPA ) which mandates fair and ethical debt collection practices.
In light of the foregoing, I am mindful of the need to consult legal professionals to ascertain the specific codes, sections, and subsets of the aforementioned laws that are pertinent to my situation. I am committed to pursuing justice and the restoration of my financial well-being.
In sharing my personal story, I want to convey the emotional turmoil that these violations have unleashed upon my life. The weight of these violations has resulted in sleepless nights and profound XXXX as I grapple with the implications for my family 's livelihood. The stress induced by these violations has cast a shadow over my aspirations for a secure financial future.
I humbly implore the Consumer Financial Protection Bureau to uphold its role as a guardian of consumer rights and ensure the enforcement of my legal rights. I urgently request that the unverified accounts, inaccuracies, and unauthorized credit pulls be removed from my credit report. By doing so, the Consumer Financial Protection Bureau will not only rectify my personal predicament but will also exemplify its commitment to a just and transparent credit reporting system.
I earnestly await your response and the resolution of this matter. Thank you for your attention to this pressing issue.
Sincerely, XXXX XXXX
|
| 04/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
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STATEMENT OF FACTS FOR CONSUMER FINANCIAL PROTECTION BUREAU ( CFPB ) COMPLAINT CONTINUED FROM PRINTED FORM PAGE 1 OF 3 State of New York ) County of XXXX XXXX ) ss. : I, XXXX XXXX XXXX, being duly sworn, deposes and says that I am the person in this Statement Of Facts For CFPB Complaint ( hereinafter, CFPB ), facts therein, and the foregoing subjects and matters. That I have read the foregoing Statement Of Facts For CFPB Complaint and know its contents ; the same is true and correct to my knowledge, except as to those matters therein stated to be alleged on information and belief, and as to those matters, I believe it to be true.
I, XXXX XXXX XXXX, declare and affirm under the penalties of perjury pursuant to the laws of New York State and 28 U.S.C. Section 1746, that the foregoing is true and correct.
1. That I am the person named in the foregoing Statement Of Facts For CFPB Complaint.
2. That I reside at : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NY XXXX.
3. That the last four/4 digits of my Social Security Number are : XXXX.
4. That this Statement Of Facts For CFPB Complaint are to report/complain about, contest, etc., the refusal of XXXX XXXX XXXX XXXX a Division Division of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, TX XXXX, Application Number XXXX, Dated : XX/XX/XXXX, Tel. : XXXX, and XXXX XXXX XXXX XXXX, NC XXXX, Tel. : XXXX, ( hereinafter, XXXX XXXX, in the/its totality of the stated name, address, references/subject, author, telephone number ) ( see herewith attached as, Exhibit # 1 ) to send me a letter of deletion/deletion letter as regards the below stated/indicated/referenced, etc., denial of car/auto/automobile loan application as evidenced in XXXX XXXX above indicated letter, and for such loan application denial to be removed/expunged/nullified/voided/deleted, etc., from any and all Credit Report ( s ) Record ( s ), Credit Score ( s ), etc., relating/referenced to me, because XXXX XXXX decision was based on, executed, initiated, done by, etc., an unauthorized credit application executed, initiated, done by, etc., employee ( s ) at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX , NY XXXX ( hereinafter, XXXX ).
5. That the foregoing Statement Of Facts For CFPB Complaint is/are required by TransUnion LLC, XXXX XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, and at TransUnion XXXX, Consumer Relations, XXXX XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, and TransUnion, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PA XXXX, Tel. : XXXX, for the purpose ( s ) of having TransUnion ( FOOTNOTE 1/ ) remove/expunge/nullify/void/delete, etc., XXXX XXXX said denial of credit application from my Credit Report ( s ), Record ( s ), Credit Score ( s ) because XXXX XXXX denial of credit application adversely, negatively, detrimentally, etc., effects my Credit Report ( s ), Record ( s ), Credit Score ( s ) and other matters, subjects, issues, etc., as regards my financial status, standing, etc.
6. That on XX/XX/XXXX, I went to XXXX for the purpose of trading my automobile to XXXX and purchasing an automobile from XXXX ; and, at the beginning of the business process, I explicitly, clearly, plainly, etc., stated to, informed the XXXX employee ( s ), customer sales representative ( s ), etc., responsible for executing, initiating, doing, etc., credit applications for automobile loans that my present automobile loan was financed by XXXX XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, and that I had already planned on, was going to get and had already made arrangements to get, secure, etc., my new, future automobile loan from XXXX XXXX, XXXX, and that they were to contact XXXX XXXX XXXX and speak with personnel there, particularly, Mr. XXXX XXXX, Supervisor/Manager, as regards XXXX XXXX XXXX, undertaking any/the future automobile loan application, and any/the actual automobile loan, because I had spoke with XXXX XXXX XXXX employees and Mr. XXXX and arranged for XXXX XXXX XXXX to issue, administer, secure, etc., my/the future, actual automobile loan for my future car, in that XXXX XXXX XXXX had informed me that I would receive a discount on my/the future automobile loan because I was a customer/client, etc., in good standing.
7. That the XXXX employee ( s ), etc. did not contact XXXX XXXX XXXX, and ignored, disregarded, etc., my statements, directions, etc., to them as set forth in paragraph 6, above ; and, the XXXX employee ( s ), etc., instead initiated, executed, etc., a loan application with/to XXXX XXXX ; and, during the business process______________________________ ( FOOTNOTE 1/ : THE CREDIT REPORTING BUREAU ( S ) SIMILAR, AKIN TO, LIKE, ETC., TRANSUNION, SUCH AS/OF XXXX, XXXX, AND XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX, TEL. : XXXX, ARE ALSO INVOLVED IN THIS MATTER AND SHOULD ALSO BE DIRECTED TO EXPUNGE, DELETE, REMOVE, ETC., THE UNAUTHORIZED LOAN/CREDIT APPLICATION ( S ) OF SUBJECT IN THIS COMPLAINT.
STATEMENT OF FACTS FOR CFPB COMPLAINT CONTINUED FROM PRINTED FORM PAGE 2 OF 3 ( paragraph 7, continued ) XXXX employee ( s ), etc., informed me that said loan application was denied.
8. That on or about XX/XX/XXXX, I received Exhibit # 1, via U.S. Postal Service, regular mail.
9. That on XX/XX/XXXX,XXXX XXXX, I contacted XXXX XXXX by telephone, and explained to, informed an employee of the material and relevant facts of XXXX employee ( s ), etc., initiating, executing, etc., the car/auto/automobile loan application of subject and that I did not authorize such loan application, that it was unauthorized by me as set forth in paragraphs 6 and 7, above, and requested and informed XXXX XXXX that they should take the appropriate actions to remove, delete, expunge, etc., XXXX XXXX credit denial ; and, XXXX XXXX informed me that they could do nothing about the unauthorized credit application and/or their credit denial ; and, that I had to contact TransUnion and TransUnion would remove, delete, etc., the unauthorized credit application entry and credit denial from my Credit Report ( s ), Record ( s ), Score ( s ) ; and, XXXX XXXX refused to take any other action, that is, generate and send me a letter of deletion, deletion letter as regards the unauthorized automobile loan application of subject.
10. That on or about XX/XX/XXXX, between the hours of XXXX XXXX and XXXX XXXX ( DST ), I contacted TransUnion XXXX, Consumer RelationXXXX, XXXX. XXXX XXXX, XXXX, PA XXXX, Tel. : XXXX, I was directed by a TransUnion Supervisor, at to undertake this action, that is, file this XXXX XXXX XXXX Police Department Report/Complaint against all the financial instiutions/organizations, including XXXX XXXX, who were contacted by XXXX employye ( s ), etc., on XXXX XXXX, XXXX, in order to have TransUnion remove/expunge/nullify/void/delete, etc., the above indicated unauthorized loan application and credit denial of subject from any and all Credit Report ( s ), Record ( s ), Score ( s ), etc., relating/referenced, material and relevant, etc., to me.
11. That pursuant to, but not limited to the Federal Fair Credit Reporting Act, Federal Equal Credit Opportunity Act, Consumer Credit Protection Act, and all relevant and applicable laws, rules, regulations, policies of The Bureau of Consumer Financial Protection, and all codified Federal and New York States and all other States of the United States of America Laws, Statutes, Rules, Regulations and Policies the above UNAUTHORIZED CAR/AUTO/AUTOMOBILE LOAN APPLICATION AND CREDIT DENIAL IN EACH AND EVERY PART, AND IN THEIR TOTALITY MUST BE REMOVED/EXPUNGED/NULLIFIED/VOIDED/DELETED FROM ALL RELEVANT/MATERIAL, APPLICABLE CREDIT RECORDS AND/OR REPORTS THAT RELATE AND/OR PERTAIN, ETC., AND/OR ARE RELATED IN ANY WAY, SHAPE, MANNER, FASHION OR FORM TO ME, XXXX XXXX XXXX , AND MY CREDIT SCORE RETURNED/RE-SET/RE-CALCULATED/FIXED/RE-CALIBRATED, ETC. TO ITS FORMER/PREVIOUS NUMBER OF XXXX.
______________/s/___________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX Executed on : XXXX XXXX, XXXX I, XXXX XXXX XXXX, declare and affirm under the penalties of perjury pursuant to the laws of New York State and 28 U.S.C . Section 1746, that the foregoing is true and correct.
__________/s/_____________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NY XXXX Sworn to before me this XXXX day of XXXX, XXXX.
________/s/__________________ Notary Public XXXX XXXX Notary Public State of New York NO . XXXX Qualified in XXXX XXXX County My Commission Expires XX/XX/XXXX XX/XX/XXXX
|
| 01/02/2024 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I hope this letter finds you well. I am writing to bring to your attention a matter concerning my credit report. I recently obtained a copy of my credit report and noticed that there are late payments listed on my account. After reviewing the details, I have come to the realization that these late payments are inaccuracies and do not reflect my actual payment history.
I understand the importance of an accurate credit report and how it affects my overall creditworthiness. I am writing to formally request the immediate removal of these late payments from my credit report. I believe this action is necessary to ensure the accuracy of my credit history and to maintain a fair representation of my financial responsibility.
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
XXXX XXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service representative.
I would like to highlight that these late payments are not a result of negligence on my part, but rather a mistake or error in reporting. I have consistently been diligent in making timely payments, and these late payments do not align with my financial behavior.
XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX customer service representative XXXX
I understand the importance of staying informed about my financial transactions and responsibilities. However, it appears that due to the minimal balance in my account, statements were not generated or sent to me during the specified period.
I would like to request your assistance in providing me with the missing statements for the mentioned period. Understanding the details of my account activity is crucial for me to manage my finances responsibly. If there are any fees associated with the generation or retrieval of these statements, please inform me in advance.
I trust this letter finds you well. I am writing to you with regards to my recent discovery of late payments reported on my credit file, specifically related to my account with XXXX XXXX XXXX XXXX Upon reviewing my credit report, I noticed that late payments were recorded during a specific period, and I believe these were a result of a unique circumstance.
XXXX XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative XXXX
I would like to provide context for these late payments. During the mentioned period, I did not receive my regular account statements from XXXX XXXX XXXX XXXX After investigating the matter, I learned that the lack of statements was attributed to a very small balance in my account during that specific time frame.
I fully understand the importance of maintaining a positive credit history, and I take responsibility for any oversights in managing my account. However, the late payments occurred due to circumstances beyond my control, namely the absence of statements that would have alerted me to any outstanding balances.
I trust this letter finds you well. I am writing to inform you of a recent resolution with my bank, XXXX XXXX XXXX, regarding an internal issue that has affected the reporting of my account status. I would like to request your assistance in updating my credit report accordingly.
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
I recently discovered that there was an internal issue within XXXX XXXX XXXX that led to an incorrect reporting of my account status on my credit report. Despite my consistent and timely payments, the report currently reflects inaccuracies that may have negatively impacted my credit score.
After addressing this matter with XXXX XXXX XXXX, I am pleased to report that they have acknowledged the internal issue and have agreed to update my account status to reflect that it has always been open and never late. I kindly request that you update my credit report accordingly to accurately reflect the positive standing of my account.
Enclosed with this letter, you will find supporting documentation from XXXX XXXX XXXX, confirming their acknowledgment of the internal issue and their commitment to rectifying the reporting inaccuracies.
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX customer service representative.
I would like to provide clarification regarding the status of my account during a specific period. Due to unforeseen financial challenges, I entered into a forbearance agreement with XXXX XXXX XXXX to temporarily suspend payments on my account. I am pleased to inform you that XXXXXXXX XXXX XXXX and I reached a mutual agreement during this forbearance period, wherein it was agreed that there would be no negative reporting to credit bureaus.
I kindly request that you update my credit report to accurately reflect the agreed-upon terms during the forbearance period. There should be no indication of negative activity or any reporting that could adversely affect my credit score for that specific timeframe.
Enclosed with this letter, please find documentation from XXXXXXXX XXXX XXXX confirming the forbearance agreement and the commitment not to report any negativity during this period.
I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history accurately represents the terms agreed upon during the forbearance period.
I trust this letter finds you well. I am writing to bring to your attention a recent resolution regarding an internal issue with my bank, XXXXXXXX XXXX XXXX that has affected the reporting of my account status on my credit report. I kindly request your assistance in updating this information to accurately reflect the true status of my account.
XXXXXXXX XXXX XXXX XXXXXXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXXXXXX XXXX XXXXXXXX customer service representative XXXX
Upon careful review of my credit report, I noticed discrepancies in the reporting of my account status. I would like to provide clarification on this matter. Due to an internal issue within XXXXXXXX XXXX XXXXXXXX, my account status was inaccurately reported, suggesting that it was not open or that payments were late.
After addressing this matter with XXXX XXXX XXXXXXXX, I am pleased to report that they have acknowledged the internal issue and have agreed to update my account status to reflect that it has always been open and never late. I kindly request that you update my credit report accordingly to accurately reflect the positive standing of my account.
Enclosed with this letter, you will find supporting documentation from XXXXXXXX XXXX XXXX, confirming their acknowledgment of the internal issue and their commitment to rectifying the reporting inaccuracies.
I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history is a true representation of my financial responsibility.
I kindly request that you notify me in writing once the necessary corrections have been made to my credit report. If you require any additional information, please do not hesitate to contact me.
Thank you for your understanding and assistance in resolving this matter.
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
These inquiries were fraudulently added too my consumer reports on TRANSUNION AND XXXX after I called and repeated times I said multiple documentations via FTC and CFPB complaints. I still have not had this situation resolved. Here are the inquiries that are on my consumer reported fraudulently on TRANUNION AND XXXX listed below. XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Union ( XXXX ) XXXX and these are the inquiries that exist on my XXXX consumer reported at the present of me filing this complaint. XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX Credit Unions XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX I XXXX XXXX XXXX never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following accounts. I Sent my letter off on XX/XX/XXXX, XXXX told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. To Whom It May Concern : Be advised this is an identification theft notice XXXX am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company vou represent. I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern, This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.
These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.
The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.
As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.
I demand the following accounts be verified or removed immediately.
1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete this account.
3. The following personal information is incorrect Account Number : DATE OF BIRTH XXXX XXXX 4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XXXX Delete this account.
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
20. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
21. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
23. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
24. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
44. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
45. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
47. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
48. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
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| 09/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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So when I finally decided to do the smart thing like I should have been doing all along and Monitoring my credit much closer. This included not only who was reporting information but what information was actually being reported, and thats when I noticed the largest discrepancy on my report. XXXX by themselves had reported XXXX separate student loans, now this number is probably accurate, however the issue is the information they reported. The dollar amounts were incorrect, it did not reflect any payments that I made while I was in school, finally all XXXX accounts actually reflected the EXACT same three months from the same year ( which some loans didnt even exist at that time ) where there was a 90 day, then a 120 day, and finally a 180 day past due payment in consecutive order. These numbers dont even make sense because if you were 90 days then 120 days you dont automatically go to 180 days past due. I have disputed this information on six occasions because I could only dispute so many at a time and there are still XXXX accounts that are incorrect, they are still showing missed payments they are still showing delinquent status they are still showing that the loan was charged off when it was actually paid in full And satisfied so it should be a closed account showing paid in full but thats not the case. It reflects this way on all three credit bureaus which by three separate expert opinions ( CPAs and credit specialists ) show it could be affecting my credit score by as much as XXXX to XXXX points! I am at a complete loss because when I called to talk to XXXX ( yes XXXX XXXX that which I have done on at least 15 separate occasions not only do they continue to tell me it will be corrected it will be corrected it will be corrected but its never corrected, then when I question other accounts they tell me oh well those accounts were sold off, but they dont know who they were sold off to. I live in Nebraska and their office is located in XXXX, Ive even gone there in person and set appointments up and spoken with individuals that have assured me and guaranteed me everything would be corrected and this has now been three years long from when I started to current.
So now there is no way for me to track them down because I go as far as the information takes me and I have even called called 10 or 12 different major student loan providers that buy loans from the Department of Education and none of them show any record of me holding an account with their company or an account being bought out by their company in my name. I am in my mid-30s and I can only repair my credit so much because I cant qualify for a major purchase such as a home to really solidify my credit and establish more than just buying vehicles and selling them with all payments being made on time and all loans being paid back in full. This has affected my life for over 10 years now and it wasnt until the last six years that I really started to dig deep into all three of my major credit bureau reports to see these inconsistencies not just with my student loans but with numerous other accounts. Between my three credit bureaus my student loan accounts alone Account for XXXX inconsistencies that negatively affect my credit, these inconsistencies prohibit me from being able to even purchase a home. So my wife and I have XXXX children and cant even purchase a home because her income is not enough By itself to qualify, and heres the kicker which some people may be shocked and some people may not be shocked.
I am 100 % permanently disabled Combat Veteran and a medically retired Airborne Infantry Sergeant ( E-5 ) the United States Army. I was forced to medically retire, it was not a choice. For 10 years I was a what they considered XXXX XXXX before finally I lost my leg above the knee on my left side. I have a XXXX XXXX injury that prevents me from being able to do you a lot of things independently such as bathing or dressing myself or taking care of my children all the time. I have a XXXX XXXX injury that has caused me to have to re-learn how to walk when combined with my invitation, I had to learn how to time I shoes again in my mid-20s, I did learn how to drive again but it was hard. It was extremely hard because I could not understand and comprehend traffic laws, they just would not process in my mind. I have to spend a portion of each and every single day either on crutches, walking with a cane, or in a wheelchair which limits what I am and Im not able to do although I dont let it limit me as much as possible theres only so much that I can do. This is not a sob story, this is not to make anyone feel bad for me, this is just To show that on top of everything else thats going on in my life I have been dealing with now I have been dealing with these banks and loan agencies and whatever they are referred to, right there is a prime example because I cant think of the proper term and I have paused my statement for over 15 minutes now but its XXXX AM and I have not been to sleep in almost XXXX hours because of the pain, because of my XXXX XXXX because of the nightmares, because of the flashbacks, because of the XXXX, and all of these things are amplified by the stress that this has put on to myself and my family.
A lot of people blame the department of XXXX XXXX for such a high XXXX rate among veterans but Ill be the first one to tell you maybe not the first one but I will be the first one to confirm if somebody else has said the same thing that situations like this that amplify all of these different things that we suffer from mentally probably contribute more to veterans committing XXXX than anything that has to do with the department of XXXX XXXX. The reason I say this is because it puts so much stress on to not just a veteran but his or her family and then that can lead to marital issues and divorce and the break up of a cohesive family, Now you tell me if you have somebody that has been through a similar situation as I have and I have undergone XXXX major surgeries under sedation to date that for eight years I have been trying to rebuild my credit so I can rebuild my life and Ive already been through one marriage that ended in divorce, however I am now married to the woman that was meant for me, whom by the way had to quit her job and quit school to become my full-time caregiver because I need help every single day just to get out of bed, to take a shower or take a bath, to get dressed, to remember things, to get two appointments, to make sure that I take my medication, to make sure my medication is refilled, to make sure that I dont stress out to the point to where I have a XXXX which my XXXX condition developed as a result of my XXXX XXXX XXXX and my XXXX XXXX injury.
So I just want this information to be put out there, I want this information to be corrected, I want to be able to get my life on track and I want to be able to move past this. I want this stress out of my life, this needs to be known this needs to be in bank public because a lot of veterans dont talk about it because its embarrassing. Its embarrassing because we are supposed to be able to provide for our family as men, this is our way of thinking, this is the way that I was raised. Thats not to say that the woman or the wife in the relationship or marriage cant work or cant make more money and be the breadwinner, its just the mindset in the way of thinking that I am trying to explain. So there it is in black-and-white, that is a snapshot of my life on a daily basis and what I deal with because on top of all of that that I just explained I didnt mention that my oldest son is XXXX, he cant speak he cant walk he cant take care of himself he cant bathe him so if he cant feed himself so he relies on myself and Primarily my wife to be able to do that to be able to live basically, so my wife has my self and my son to take care of all while not being able to work or go to school or do what she wants to do. She tells me that this is what she wants to do and I know that it is but on the flipside of the coin its not what she chose to doIts almost what she fell into have to do because there was no alternative.
The bottom line is please just put this information out there Ill continue to work on my own or work with whoever to fix my life and get my life on track but dont let this happen to anybody else veteran or not dont let this happen to anyone else because its not fair, its not right, and it 100 % should not be happening!
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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*******SILENCE IS ACQUIESCENCE******* _____________________________________________________________________ NOTICE AND DEMAND TO CEASE AND DESIST COLLECTION ACTIVITIES PRIOR TO VALIDATION OF PURPORTED DEBT Pursuant to the truth in lending laws of the United States Code , Title 15 1601 et. seq.
and the Fair Debt Collection Practices Act laws of the United States Code 1692 et. seq.
This notice constitutes a timely written response to your Fair Debt Collection Practices Act notice that you are attempting to collect an alleged debt and is not a dishonor of your alleged claim of debt.
2 This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following : ( 1 ) The name and address of the organization or other governmental unit alleging a debt ; ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ; ( 3 ) The name of the actual creditor even if that is myself ; ( 4 ) The origin of the funds used to create this alleged claim of a debt ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
3 ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 4 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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To whom it may concern : I am writing this letter in accordance to the fair credit reporting act 15 USC 1681 section 602.
15 USC 1681 section 602 states there is a need to ensure that consumer reporting agencies exercised a gray responsibilities with fairness impartiality and respect for the consumers right to privacy.
There is a need to ensure that consumer reporting agencies exercise the grave responsibilities with fairness impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isnt shared which is back by 15 USC 6801.
Trans Union, XXXX and XXXX are consumer reporting agencies and I am the consumer and I have been willfully violated by the noncompliance of the law.
15 USC 6801 states it is the policy of the Congress, that each financial institution as an affirmative and continuing obligation to respect the privacy of its customers, and to protect the security and confidentialities of those customers nonpublic personal information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX in accurate information The entities listed below are furnishings of information to credit agencies.
2nd income.. fraud/ false information Distribution solutions for XXXX XXXX XXXX XXXX, NJ XXXX. Inaccurate information.
XXXX. false information XXXXXXXX XXXX XXXX. false information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX XXXX Na hard inquiry, XXXX JPMCB card. Hard inquiry, XXXX to XXXX.
XXXX hard inquiry, XXXX XXXX, XXXX Global lending services.. hard inquiry, XXXX, XXXX These are financial institutions by definition under that title, XXXX XXXX XXXX section XXXX section XXXX states that in general subject to subsection see any consumer reporting agency XXXX furniture, consumer report under the following circumstances, and no other in accordance with written instructions of the consumer, to whom it relates the financial institution and the consumer reporting agencies, trans union XXXX and XXXX XXXX not have my consent to furnish this information, and they surely do not have my written consent.
Any and all consent to Trans Union, XXXX, or XXXX whether by verbal, nonverbal, written, implied, or otherwise is revoked. According to the FCRA XXXX XXXX XXXX XXXX ( b ) ( c ) states a financial institution, XXXX not disclose nonpublic personal information to a non-affiliated third-party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option trans Union XXXX XXXX, XXXX XXXX never informed me of my right to exercise my non-disclosure option.
also backing that law XXXX XXXX XXXX ( a ) ( XXXX ) states I except as authorized under subsection be no consumer reporting agency XXXX make any consumer report containing any of the following items of information, any other adverse item of information, other than records of convictions of crimes, with antedates the report by more than XXXX years these accounts are adverse items. They are reporting again, without my permission, which is against the law.
XXXX XXXX XXXX XXXX ( A ) ( XXXX ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows that has reasonable cause to believe that the information is inaccurate. With all the misspellings and inaccuracies is present in the credit reports from those credit reporting agencies, they will fully know that there is incorrect and in accurate information.
Are XXXX XXXX XXXX says and I quote every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title, and to limit the furnishing of consumer reports to the purposes listed on the section XXXX be of this title Trans Union, XXXX, and XXXX XXXX not maintaining reasonable procedures.
- Trans Union XXXX XXXX XXXX NOT ME XXXX XXXX. NOT ME XXXX XXXX XXXX NOT ME XXXX BOILING NOT ME XXXX XXXX XXXX XXXX, XXXX NEW JERSEY, XXXX XXXX. INACCURATE INFORMATION.
XXXX XXXX XXXX XXXX APARTMENT TO XXXX, NJ XXXX. IN ACCURATE INFORMATION.
XXXX XXXX XXXX XXXX APARTMENT TO XXXX, NJ XXXX. INACCURATE INFORMATION.
XXXX XXXX AVE., XXXX XXXX, NJ XXXX. INACCURATE INFORMATION.
XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. INACCURATE INFORMATION.
XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. INACCURATE INFORMATION.
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. INACCURATE INFORMATION.
XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. INACCURATE INFORMATION.
XXXX XXXX XXXX XXXX, UNIT XXXX XXXX NEW JERSEY, XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, UNIT XXXX XXXX, NJ XXXX. INACCURATE INFORMATION.
XXXX XXXX XXXX. APARTMENT TO XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX. APARTMENT XXXX XXXX XXXX, NJ XXXX. INACCURATE INFORMATION.
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX XXXX, XXXX, NJ XXXX INACCURATE INFORMATION XXXX XXXX XXXX, XXXX XXXX XXXX F XXXX,, NJ XXXX. IN ACCURATE INFORMATION.
XXXX. Inaccurate information.
XXXX. Inaccurate information XXXX. Inaccurate information.
XXXX inaccurate information XXXX inaccurate information XXXX inaccurate information XXXX inaccurate information XXXX. Inaccurate information.
XXXX inaccurate information XXXX inaccurate information Bank XXXX XXXX account XXXX XXXX Department of XXXX account number XXXX Inquiries Capital XXXX XXXX acceptance XXXX XXXX XXXX XXXX XXXX via XXXX Promotional inquiries Capital XXXX T-Mobile XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX New Jersey XXXX XXXX XXXX XXXX Account review inquiries State, free disclosure Fact act free XXXX XXXX XXXX XXXX Trans Union XXXX in XXXX XXXX XXXX TransUnion interact TransUnion XXXX XXXX XXXX XXXX via TransUnion XXXX XXXX TransUnion, consumer I XXXX XXXX XXXX XXXX Verifacts XXXX Search XXXX XXXX XXXX XXXX bank net credit FTLAYMA LL DBA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NerdWallet compare XXXX.
On the barrelhead XXXX.
Upstart, XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX.
ON THE XXXX XXXX.
XXXX XXXX XXXX XXXX NOT ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX for NJ XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX apartment XXXX XXXX XXXX, NJ XXXX XXXX XXXX Ave., XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX # XXXX XXXX, NJ XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX states a consumer XXXX exercise the right to opt out at any time. I am opting out of your reporting services.
Opt out of inquiries XXXX XXXX XXXX XXXX XXXX XXXX Privacy act of XXXX The remedies for these violations will be : immediate deletion of the accounts and XXXX per violation of the FCRA per month recorded.
These reports have violated. My American dream have kept me from financial freedom. They have caused me hardship and undue stress, not to mention the anguish of rejection for XXXX, I wish to remove any old or duplicate addresses from my report. They are all non-mailable addresses remove any old or duplicate phone numbers. They are all noncontactable numbers, remove any variations of my name. That are incorrect they maybe even identity fraud. I have no middle name. At this time I wish to opt out of the following agencies, core logic, XXXX, XXXX otherwise known as ( advanced risk solutions ), sagestream. XXXX XXXX, as well as early warning services.
PLEASE UPDATE ME AS SOON AS POSSIBLE. IF I DO NOT HEAR FROM YOU WITHIN XXXX WEEKS, I WILL FOLLOW UP WITH THE PROPER AUTHORITY.
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| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I reached out to XXXX XXXX Trans UnionXXXX XXXX XXXX XXXX XXXXmultiple times Ive sent out multiple FTC reports XXXX reports XXXX consumer protection and innovation complaints as well as a XXXX state, Attorney General complaint about the numerous violations of the FCRA and identity theft not only am I asking that these accounts be blocked under 15 US code 1681C 2block of information resulting from identity theft XXXX/TRANSUNION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/except his otherwise provided in the section, a consumer reporting agency shower block, the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than four business days after the date of receipt by such agency a a copy of the identity theft report a statement by the consumer, that the information is not information relating to any transaction by the consumer these are the fraudulent accounts that are fraudulently, reporting, fraudulent names, fraudulent ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedMay XXXX, XXXX AMOUNT {$46000.00} XXXX ( XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am aware that my SSN belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX XXXX XXXX XXXX XXXX XXXXALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT ( XXXX XXXX XXXX XXXX {$97000.00} XX/XX/XXXX ) ( XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX, XXXX AMOUNT {$46000.00} ) ( XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX Original amount {$21000.00} ) ( XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX AMOUNT {$320.00} ) ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX fraudulent adresss XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( XXXX/TRANSUNION/XXXX XXXX XXXX XXXX XXXX XXXX XXXX/into the ( FTC ) Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block ( XXXXTRANSUNION/ XXXXTRANSUNIONXXXX XXXX XXXX XXXXXXXX XXXXIs also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNIONXXXX XXXX XXXXXXXX XXXX XXXXAccording to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$21000.00} {$45000.00} {$97000.00} {$320.00} XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Inquiries XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. 15 U.S. Code 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt.
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| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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These inquiries were fraudulently added too my consumer reports on TRANSUNION AND XXXX after I called and repeated times I said multiple documentations via FTC and CFPB complaints. I still have not had this situation resolved. Here are the inquiries that are on my consumer reported fraudulently on TRANUNION AND XXXX listed below. XXXX/XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX-0237 XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX ) XXXX and these are the inquiries that exist on my XXXX XXXX XXXX at the present of me filing this complaint. XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.
I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Secti
on 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction.
15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX I XXXX XXXX XXXX never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.
You also do not have any permissible purpose to furnish my personal information to any third party.
15 USC 1681b Permissible purpose of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following accounts. I Sent my letter off on XX/XX/XXXX, XXXX told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #.
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. To Whom It May Concern : Be advised this is an identification theft notice 1 am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company vou represent. I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action
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| 04/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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DEPT OF EDXXXX {$2500.00} Balance updated XX/XX/XXXX XXXX late payment Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 27 % Balance on XX/XX/XXXX Loan Amount {$2500.00} {$3500.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$3500.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - - - - - - - - XXXX - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 51 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$770.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 20 % Balance on XX/XX/XXXX Loan Amount {$770.00} {$960.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount $ XXXX Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - - - - - - - - XXXX - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 51 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$4900.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$4900.00} {$4100.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$4100.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - - - - - - - - XXXX - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 93 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$5000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$5000.00} {$4500.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$4500.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX XXXX - - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$6700.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6700.00} {$6000.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$6000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX XXXX - - - - - - - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$5000.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$5000.00} {$4500.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$4500.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$6500.00} Balance updated XX/XX/XXXX XXXX late payment Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6500.00} {$6000.00} Payment Info Status Current, was past due 90 days Status date XX/XX/XXXX Past due amount - Original loan amount {$6000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - - - - - - - - - XXXX XXXX - XXXX XXXX - - - - - - XXXX - - - - XXXX - - XXXX - - - - On Time 90 Days Late - Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments- Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account 1 collection account Total balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1100.00} {$1100.00} Payment Info Original balance {$1100.00} Balance {$1100.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements **CONSUMER STATEMENT** Y ITEM DISPUTED BY CONSUMER Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account
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| 12/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account NumberXXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account XXXX This is not mine. 3.The following account is not mine XXXX Account XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX Account XXXX My parent has the same name as me. 25.Validate Account XXXX Account XXXX Please supply information on how you have verified this item. 26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time.
The Credit Bureaus never did a proper " investigation '' according to the FCRA.
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
The did not do this.
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.
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| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My personal information was stolen in 2021, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and immediately Remove all inaccurate accounts I have listed. In accordance with the Fair Credit Reporting act XXXX Account # xxxx XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all XXXX credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX has violated my rights by reporting fraudulent information across all 3 credit bureaus. I would like this account to be removed from my credit report profile. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
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| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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AFFIDAVIT OF TRUTH I, XXXX XXXX, a consumer a natural person of age and competent to testify, state as follows based on my own personal knowledge : I, XXXX XXXX XXXX a consumer, a natural person pursuant to federal law 15 USC 1692a ( 3 ).
( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
I, XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR The ( Original Creditor ) pursuant to federal law 15 USC 1692a ( 4 ).
( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
I, XXXX XXXX XXXX a consumer a natural person The Originator ( Original Creditor ) is providing you my written consumer report pursuant to Federal law 15 USC 1681a ( d ) ( 1 ) ( d ) CONSUMER REPORT.
( 1 ) IN GENERAL.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for As a consumer, a natural person I have the right to privacy pursuant to federal law 15 USC 1681 ( a ) ( 4 ).
( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
I am demanding each account listed below removed or delete from my consumer report pursuant to Pursuant to 15 USC 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these accounts on my consumer report. Please provide proof of consumer express written consent forms for accounts list below.
I am demanding deletion of entire accounts listed below : 1. XXXX XXXX XXXX- Remove or delete this account from my consumer report.
2. XXXX XXXX- Remove or delete this account from my consumer report.
3. XXXX XXXX XXXX Remove or delete this account from my consumer report.
4. DEPT OF ED/XXXX- Remove or delete this account from my consumer report.
5. XXXX- Remove or delete this account from my consumer report.
6. US DEPARTMENT OF ED- Remove or delete this account from my consumer report 7. XXXX XXXX XXXX Remove or delete this account from my consumer report 8. XXXX- Remove or delete this account from my consumer report 9. XXXX XXXX XXXX Remove or delete this account from my consumer report I, XXXX XXXX XXXX a natural person is requesting an investigative consumer report and if you investigated it please provide documentary evidence of who you interviewed and if you interviewed them it should NOT include facts pursuant to federal law 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Under Penalty of Perjury consumer was NOT provided with documentary evidence or material facts regarding questions below required by Fair Debt Collection Practice Act ( FDCPA ) Law.
1. Consumer was NOT provided a furnish a copy of the original promissory note redacting my social security number to prevent identify theft and state under penalty of perjury that your client named above is the holder in due course of the promissory note and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
2. Consumer was NOT provided the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect.
3. Consumer was NOT provided ANY identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
4. Consumer was NOT provided ANY verify under penalty of perjury, that as a debt collector, you have not purchased evidence of debt and are proceeding with collection activity in the name of the original maker of the note.
5. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
6. Consumer was NOT provided ANY verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are nontransferable.
7. Consumer was NOT provided ANY verification from the stated creditor that you are authorized to act for them.
Under Penalty and Perjury Consumer was NOT provided ANY Documentary Evidence or Material Facts from these corporations below.
1. Consumer is NOT in receipt of any document which verifies that corporations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX have standing to collet any money allegedly owed in Florida.
2. Consumer is NOT in receipt of any document which verifies that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX has standing to collect any money that they claim I owe in the state of FLORIDA court by virtue of being duly registered as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX meeting the minimum contacts requirements for in XXXX jurisdiction in Florida.
3. Consumer is NOT in receipt of any document which verifies that I have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF EDXXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. Consumer is NOT in receipt of any document which verifies that I owe money to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT OF ED/XXXX XXXX US DEPARTMENT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. As a result of the harassment by these coporations.
I have been damaged financially, socially, and emotionally.
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| 08/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Good Day, This is my Forth & Final Attempt!!! to be relieved of the XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX auto loan on the XXXX XXXX XXXX XXXX. I do not believe that I have received satisfactory service or communication as it pertains to this matter, and at this time would like to request that my claim be escalated and expedited by the proper XXXX XXXX representation. This loan in its entirety has become a detriment to my financial fluidity and quality of life. Since I began my claim – the vehicle has been repossessed, and sold at an auction without my knowledge. I was advised that I would receive notice of when the vehicle would be taken to auction, and that never happened. This has greatly impacted my ability to get to – and – from work, as well as made it very difficult to pick-up/drop-off my children. Due to the negative credit reporting of this auto loan – I am currently unable to finance another vehicle without first satisfying the XXXX loan. Additionally, I am incurring astronomical charges in XXXX fees to get my family from point A – to – B. This is a very stressful disheartening experience for a family with young children. The late auto loan charges, fraudulent insurance charges and associated repossession fees have been collected from me and has caused my family to be restricted in lifestyle due to fraud. I request that action be taken immediately to rectify my loan agreement with XXXX. ----------------- ORIGINAL LETTER SENT ON – XX/XX/XXXX ------------------My name is XXXX XXXX. XXXX XXXX. In XX/XX/XXXX, I entered a financial agreement with XXXX XXXX XXXX XXXX to finance the purchase of a XXXX XXXX XXXX XXXX. Per Case Number: XXXX “XXXX XXXX COLLATERAL PROTECTION INSURANCE LITIGATION” it has come to my attention that I have been subject to several of the unethical business practices involved with the XXXX XXXX Auto Loan Product. There was no way I could have discovered through the exercise of reasonable diligence, that the forced-place unnecessary CPI policy I received existed while paying my XXXX XXXX Loan. Outlined below is the misconduct of XXXX XXXX - XXXX XXXX: A. Misrepresenting the terms of its auto loans to customers upon their initial application and throughout the application process;1. At the time that I signed my XXXX XXXX Auto Loan XXXX XXXX neglected to inform me of the forced placed insurance policy that was endorsed on my auto loan. 2. The payments that I agreed to on XX/XX/XXXX during the origination of my loan were increased without my knowledge. 3. I was not made aware of this information, and would have elected to decline the loan as it was offered. B. Transmitting loan application and other customer information to XX/XX/XXXXXX/XX/XXXX; 1. I was not informed that CPNI and loan application details would be passed to a third-party.2. I was not made aware of this information, and would have elected to decline the loan as it was offered. C. Misrepresenting the role that XX/XX/XXXX played in the loan application process;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. D. Misrepresenting the circumstances under which customers would receive a force-placed CPI policy; 1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. E. Force-placing unnecessary and undisclosed CPI policies;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. 3. I was not aware of the details of the policy and was not able to access/accept the terms and conditions of the forced placed CPI policy. 4. I was not aware of the financial scope or impact of the payment amounts or dates.F. Concealing the true nature of its relationship with XX/XX/XXXX from customers;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. 3. I was not aware that I was engaging in a contractual agreement with XX/XX/XXXX and was not aware of their company policies, procedures or ethics. 4. I was not made aware of this information, and would have elected to decline the loan as it was offered. G. Paying XX/XX/XXXXXX/XX/XXXX the alleged value of premiums that XX/XX/XXXX wrote on borrowers’ automobile loans;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. 3. I was not aware that my loan had third party insurance underwriting or the terms and conditions of the forced placed insurance. 4. I was not made aware of this information, and would have elected to decline the loan as it was offered. H. Collecting monthly payments from Class members, including premium charges and interest;1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was not made aware of this information, and would have elected to decline the loan as it was offered. 3. I made several payments at XX/XX/XXXX Branch Locations and was not made aware of any forced placed insurance on my account at that time. 4. I was not made aware of this information, and would have elected to decline the loan as it was offered. 5. Charges were inflated and principal loan credit reporting have been reported wrongfully and inaccurately since the inception of the loan. 6. I was not made aware of this information, and would have elected to decline the loan as it was offered. I. Misrepresenting to credit reporting agencies and to Class members that there were delinquencies when CPI premiums and insurance were not paid1. I was not made aware that CPNI and loan application details would be passed to a third-party. 2. I was subject to a substantial credit score decrease for the entirety of the XX/XX/XXXX Auto Loan. 3. I was subject to higher interest rates based off of the credit reporting of the XX/XX/XXXX Auto Loan. 4. I was subject to credit rejection based off of the credit reporting of the XX/XX/XXXX Auto Loan. J. Misrepresenting to credit reporting agencies, Class members, and the Courts that repossession of Class members’ vehicles was authorized because Class members were delinquent on their loan accounts. 1. I was subject to repossession based off of the default of the XX/XX/XXXX Auto Loan. It saddens me to come to the understanding that this has been my latest experience with XX/XX/XXXX - because my family and I have been long term customers. I would not like to take up any legal action in the event that we are able to come to an amicable agreement. On the basis of 18 U.S.C. § 1964(c)/18 U.S.C. § 1341/18 U.S.C. §1343 I would like to request the following:1) Immediate removal of any negative payment reporting to the credit bureau associated with this loan 2) Immediate return of repossessed 2XX/XX/XXXX3) Immediate modification of the fraudulent XX/XX/XXXX Auto Loan4) Immediate refund of all payments during the forced placed CPI period 5) Immediate refund of all post-charge off fees associated with XX/XX/XXXX Auto Loan 6) Immediate refund of all repossession related fees. Mail Fraud: Defendants violated 18 U.S.C. § 1341 by sending and/or receiving, or causing to be sent and/or received, materials via U.S. mail or commercial interstate carriers, for the purpose of executing the unlawful and fraudulent scheme to profit from force-placed CPI policies. Wire Fraud: Defendants violated 18 U.S.C. §1343 by transmitting and/or receiving, or by causing to be transmitted and/or received, materials by wire for the purpose of executing the unlawful and fraudulent scheme to profit from force-placed CPI policies. Due to the negligence on behalf of XXXX XXXX I have been unnecessarily immobilized, and humiliated. I am an early career XXXX, and had every intention of using this credit building opportunity to further increase my credit worthiness, progressively increase my quality of life for myself and my family. After being impacted this way I seek to be exonerated of this loan agreement with XXXX XXXX XXXX. Thank You, XXXX XXXX XXXX XXXX
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| 03/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX TransUnion LLC XXXX . XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX . XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX-XXXX XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : DEPT OF ED/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX DPT ED/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX DPT ED/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.
This letter is a formal complaint that inaccurate information is list on my credit report.
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX/XXXX XXXX XXXX XXXX DPT ED/XXXX
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| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
the account in question is : account name : XXXX XXXX XXXX XXXXXXXX account number : XXXX account type : installment account ( detaill : ) installment account account type ( XXXX ) : INSTALLMENT ( details : XXXX XXXX XXXX XXXX XXXX code : joint account account status : closed date opened : XX/XX/XXXX Balance : XXXX high credit : XXXX payment status ( transunion ) : charged off as bad debt payment status ( XXXX ) : charged-off comments ( transunion ) XXXX dispute resolved reported by XXXX comments ( XXXX ) : **consumer statement** y item disputed previously in dispute -now resolved, reported by data furnisher ( to be used for FCRA and FBCA disputes ) also want to make note that this extension of consumer credit paid for a XXXX XXXX XXXX, to keep confusion as to what account I am referring to at bay. I Also want to take the time out to state that this account has been deleted from my XXXX consumer credit file. I highly advise that Transunion and XXXX follow In their foot steps.
as for XXXX XXXX XXXX XXXX please provide me all the information so that pursuant to 15 USC 1692g- this debt can be validated, and if it is indeed valid upon then paid.
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| 02/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have had an ongoing problem and now will resort to a lawsuit against them for the nightmare I have had with them and the charges of legal representation which contacted them on my behalf about a year ago and showed them what proof I have as it was fraud and I had a journal of payments with showing there had never been a charge off to be made in my name. Upon first contacting them I was ignorant of the power and abuse and the total and complete inaccurate this powerful organization holds on millions. Due to my financial resources I have never had to worry about a credit score or anything as I pay cash for the 28 homes I have owned in 30 years and I don't know how many vehicles. I am fortunate to be a former successful business owner who sold my business for XXXX XXXX 15 years ago. So as you can see I had little need on ever borrowing any money as I have plenty of money even after dispersing out the XXXX XXXX to my XXXX brothers also in the business. It was by sheer accident that my insurance agent told me that I had two negative things on my credit check and two charge offs. I said what is a charge off. We both laughed because it was ludicrous that I had never paid a bill or would have not have. After much investigations we find the two negative were medical charges that so bogus as absurd. The medical clinic was in another state and the name was not mine and I had never even been in this state. Yet it was for two medical treatments or something. They had nothing and had no choice to drop it. They sent copy of letter where they said it was fraud. I saw the letter. Obviously the XXXX XXXX did nothing. The charge offs were more complicated but my attorneys handled them and they showed they were removed. I have copies from all three agencies that they were removed. Now I do a check 8 or so months later and find this junk on my credit and I am furious. I have complained to the government for what it is worth but initially the credit bureaus had my name 11 ways, 6 of them were totally bogus. On my birthdate I had 4 dates for my birthdate. None were correct. Even worse was I had three social security numbers and guess what none of them were mine. While pulling up this report there still was an incorrect social security number. Now this XXXX XXXX is literally the King of all transactions. They have never kept me from buying a car or home but I bet they have millions. Then my attorney told me I needed to take out more credit cards since I never had any loans of any kind. Look at my report You will not see but one that is for my son with XXXX 10 or more years ago. I pay cash for everything and my attorneys said I should start using charge card mores. I would receive notices from the XXXX XXXX and tell me how good my credit was and tell me to apply to for this card. XXXX XXXX and two others. All three denied me credit. That is with giving them the annual income of XXXX per year plus all the cash I want or need. This is beyond belief. The thing with XXXX XXXX has said it was because I closed the account. Which I did at the time of my divorce 7 years ago and it is an action most divorced people do. The report was so wrong it made me so mad. It said they closed account and then the joke of having a XXXX credit limit. I didn't even have a credit limit with them but the account showed past payments of 50 plus thousand a month. It showed no late payments. But a history of these kind of payments for 15 years and then outright lies. I have complained and complained to get these charge offs off my account and the two stupid medical charges that are about less than 50.00 for both in other names and state I have never even been too. I have taken all the procedures to handle this correctly and tried not to get furious at having all these social security numbers and incorrect information. I have worked patiently to give them all the correct information. Also they say on all this free annual score yet I had to pay a monitoring service once again for I dont know how much which I dont want. This is a rip off. It is illegal to advertise free and then to charger. They are holding consumers hostages to their lies and the fact that they are too lazy and inept to change the information when they have had it proved to them it is dead wrong. When my attorney told me tonight after I found out they had not been removed from my credit report in this case but had been removed on the one that is shown to me they said a large monetary amount that can be donated to charity must be filed against these three corrupt organizations. I was shown how much money they made off consumers. It is beyond anything I could imagine by selling info to card companies. They are suppose to be a clearing house and most important the keeper of accurate records. I could understand mistakes and such but for 40 years to not have my social security correct nor my name and birthdate. I went on line to find out other people have had worse nightmares than I have. You see I am very wealthy and there is never a need for them in my life thank goodness. Except when my insurances was calculated and my agent said how could she not have perfect credit. She has two assistants who have worked with me for 17 years who document in journals my checks written or drafts. That was how I was able to prove I had never had a charge off. I have issued a complaint to you before. You determined fraud though it happened ten years ago and put a fraud alert on my cards. That was a joke over an issue that long ago. I have fooled with these contact us and sipute this for so long and nothing has been done. Well when the big three are charged with corruption and incorrect info in every aspect of a person life and they are sued for a nice settlement that will benefit charity I would hope that they take care of this in the next seven days. As I said they removed the info less than a year ago and how it appeared again is unknown to me. But I am so mad that I am going to let my legal team go after them and bring in the over 15,000 other people who have been cheated by them. I was very nice and hoped my problems would be taken care of since I had total proof and a team of attorneys. To know it is back is insane. I don't have any idea what organization you are or what power you hold. Tonight I called both my senators to let them know I would need them to present this to Congress. I want my record clean and perfect. If the XXXX XXXX wont to play games I will allow my attorneys to keep them tied up for years and Congress investigate all the errors of just my account and how an organization that has to be meticulous with info could have 4 social security numbers and all the wrong birthdates and all the 6 wrong names. You have 7 days to clear this up and get this off my account or your name will also be included in the suit against the protection of american consumers and the fact that you are all paid very well to protect consumers and it is your job and yet instead you are criminally neglected them. I will never have a company tell me I can not have a credit card because of their bogus lies they acknowledged and cleared. For a woman to have assets that are huge and my debt ratio I check on the site was less than 1 % as I owe no house loans or mortgages or car or loans or anythings, just these credit cards they advised me to start using. I hope you will work to take care of this and it will not become a big public scandal at the ineffectiveness and especially the huge amount of money the XXXX XXXX make of consumers. My Senators will clean house with top attorneys to advise and the media will be brought in to this whole section or group that has so many disgruntled people who hate credit bureaus and I don't blame them and the public will hear about the travesty that is going on. For your organization hope I would do all I could to make this problem fixed as it was less than a year ago to only turn back up. I am sending no dates, papers or any information. I have already done all that with your organization previously and will frankly not take up my time to do one more thing about it except to give my attorneys and my senators the go ahead to make statements to the media to let them know every right we have as an American has been ground in the dirt. And all of you who collect a salary for protecting us the consumers can justify it to congress. I expect communication within 7 days. XXXX XXXX XXXX XXXX or XXXX XXXX
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| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.
I have the right to privacy.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Accounts 1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
13. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
16. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
17. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
18. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
19. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
20. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
21. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
23. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
24. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
44. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
45. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
47. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
48. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, CA XXXX -This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX XXXXThis is not my name. Delete it immediately from my report.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 01/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXXXXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX CO Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, M- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, M- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number XXXX XXXX XXXX XXXX- This employer is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This employer is not correct. Delete it immediately from my report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Simple XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act Dept of EducationXXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act Kickoff lending llc XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 Section 602 A. States I have the right to privacy.
XXXX XXXX XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy.
XXXX XXXX XXXX Section XXXX A. Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 12/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per the FCRA as a Federally Protected Consumer I Am OPTING OUT any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal as per 15 usc 6802. And all corresponding laws below.
Reporting transaction history is illegal, as per 15 USC 1681a Important Definitions from 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 Opt Out Laws PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
Every company owes you a privacy notice before they furnish any information to our consumer report 12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party, 12 CFR 1016.7 Form of opt out notice to consumers ; opt out methods.
Section ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 1016.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice that, in the case of financial institutions described in 1016.3 ( l ) ( 3 ) of this part, includes the address to which the form should be mailed ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your Web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
__________ ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( g ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( h ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( i ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Once again they must give you an opt out notice for anything that is to be added to your consumer report.
15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.
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| 09/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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All of this is incorrect information, all but the first XXXX XXXX are my accounts. The rest I do n't know about and are not mine. Stolen identity from XXXX, transunion, XXXX or not mine. Someone else did it or open the accounts.
XXXX XXXX Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Paid Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$160.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due XXXX XXXX Times 30/60/90 Days Late 0/0/0 Remarks Payment after charge off/collection Paid profit and loss Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor.
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute XXXX XXXX XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Utility Company Account Status Closed - Derogatory Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment {$0.00} Responsibility Individual Balance {$61.00} Highest Balance {$61.00} Payment Status Collection/Charge-Off Worst Payment Status Unknown Date of Last Payment XX/XX/XXXX Amount Past Due {$61.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off as bad debt Profit and loss write-off Payment History Latest Status : Collection/Charge-Off No payment history has been reported by this creditor.
Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1300.00} High Balance {$1000.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute COLLECTION CONSULTANTS Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$9400.00} High Balance {$9400.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute Compare this account on your XXXX credit report XXXX XXXX Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$1100.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute Compare this account on your XXXX credit report XXXX XXXX XXXX Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$600.00} High Balance {$460.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute Compare this account on your XXXX credit report XXXX XXXX XXXX Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$790.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute XXXX XXXX XXXX Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1200.00} High Balance {$880.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute XXXX XXXX XXXX Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1800.00} High Balance {$1200.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute XXXX XXXX XXXX Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1700.00} High Balance {$1100.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute XXXX XXXX XXXX XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1100.00} High Balance {$760.00} Remarks Dispute resolved ; customer disagrees Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute XXXX XXXX XXXX Previously disputed XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$510.00} High Balance {$510.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute Compare this account on your XXXX credit report XXXX XXXX XXXX XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$5500.00} High Balance {$3700.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX You started filling out a dispute request. Do you want to add another item to this dispute?
Yes, Add to Dispute Compare this account on your XXXX credit report XXXX XXXX XXXX Dispute request started XX/XX/XXXX Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$570.00} High Balance {$390.00} Remarks Account information disputed by consumer, meets FCRA requirements Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX
|
| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I sent this detailed letter to XXXX XXXX XXXX On XX/XX/2023 - NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT YOU ARE HEREBY PUT ON NOTICE Dear President and General Manager, XXXX XXXX, I hope this letter finds you well. I am writing to address a matter of grave concern regarding the accuracy of the information that XXXX XXXX XXXX has been reporting to consumer reporting agencies. I am compelled to bring to your attention the relevant provisions within consumer protection laws, specifically 15 U.S. Code 1681a, 1681, and 1681s2, which emphasize the paramount importance of accuracy, fairness, and the safeguarding of consumer rights in credit reporting.
The findings of Congress, as enshrined in 15 U.S. Code 1681, underscore the vital role that accurate credit reporting plays in the efficiency of the banking system and in maintaining public confidence. It is unequivocally clear that a comprehensive mechanism exists for assessing the creditworthiness of consumers, and it is incumbent upon consumer reporting agencies to discharge their responsibilities with scrupulous fairness, impartiality, and the utmost regard for consumer privacy.
In particular, 15 U.S. Code 1681a defines crucial terms relevant to my case. It introduces the term " exclusions, '' which signifies that certain categories of information are not to be included in a consumer report. Notably, exclusions refer to information excluded from the definition of a " consumer report, '' and this definition is essential in understanding the limits and scope of information that may be reported to consumer reporting agencies.
It is essential to emphasize that consumer reporting agencies are private companies, and there is no contractual agreement between myself and XXXX XXXX XXXX, especially considering the account is closed and has been legally written off. This fact raises pertinent questions about the disclosure of my private information to a private company without an ongoing contractual relationship. The legality of such disclosures merits scrutiny.
Furthermore, the practice of reporting utilizations when there is no utilization, except as provided in paragraph 3 of 15 U.S. Code 1681a, is perplexing. Paragraph 3 of this statute states that the term " consumer report '' does not include a " report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Therefore, reporting transactions or experiences to consumer reporting agencies when no ongoing transactions or experiences exist requires justification under the law.
In addition to the above legal arguments, it is crucial to consider that payment history is integral to the transactions or experiences between the consumer and the person. Reporting payment history after an account is closed and written off may raise questions regarding compliance with federal laws governing consumer credit reporting.
Based on these legal arguments and in light of the aforementioned legal framework, I have become aware of a troubling disparity in my consumer report. While my consumer report indicates that a past due amount of " {$6300.00} '' exists, it is crucial to clarify that I am only legally obligated to pay " {$190.00}, '' in strict compliance with IRS regulations. Moreover, I am fully cognizant that " {$6200.00} '' has been rightfully written off.
This egregious misreporting has inflicted severe and far-reaching harm upon my character, reputation, credit prospects, overall quality of life, and quest for financial security and happiness.
In light of these circumstances, I urgently implore XXXX XXXX XXXX to take the following immediate actions : Rectify the inaccuracies within my consumer report without delay, ensuring that it accurately reflects the legally obligated amount of " {$190.00} ''.
Cease reporting any private, personal information or any utilization of the card since the contractual agreement no longer exists, and the debt has been legally written off.
Initiate discussions to establish a suitable payment arrangement for the legally owed amount of " {$190.00}. '' Under 15 U.S. Code 6802 ( b ) related to the opt-out provision, it is important to note that a financial institution like XXXX XXXX XXXX XXXX not disclose non-public personal information to a non-affiliated third party, such as credit reporting agencies like TransUnion, XXXX, and XXXX, unless they clearly and conspicuously disclose to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title that such information may be disclosed to such third party. Additionally, the consumer is given the opportunity before the time that such information is not disclosed to such third party and the consumer is given an explanation of how to exercise that non-disclosure option. I want to emphasize that under 15 U.S. Code 6802, I was never given the explanation of how the consumer can exercise that non-disclosure option.
In closing, I wish to reiterate the fundamental issues at the heart of this dispute. Credit utilization should not have been reported in the first place, as closed accounts can not report due to their closed status. Additionally, written-off debts fall under the category of canceled debt within IRS regulations and provisions, further emphasizing the inaccuracies in the reporting.
Experiences or transactions between the consumer and entities like XXXX XXXX XXXX should not have been reported in the first place, and the failure to provide a disclosure on how to exercise the " opt-out '' option represents a violation of the law. This situation is particularly concerning as it appears to take advantage of consumers who may not be fully literate in interpreting legal intricaciesa practice that should be condemned.
I earnestly recommend that these measures be executed within a reasonable timeframe of [ 30 days ] to avert any potential legal consequences. I firmly believe that XXXX XXXX XXXX will uphold the principles enshrined in consumer protection laws, ensuring the utmost accuracy, fairness, and safeguarding of consumer rights.
Kindly provide written confirmation detailing the steps taken to rectify the inaccuracies present in my consumer report.
I must stress that my rights under the FCRA, 15 U.S. Code 6802, and other relevant laws are not to be taken lightly. Failure to heed this formal dispute and cease-and-desist request may result in grave legal repercussions, including potential legal action on my part to safeguard my rights under the FCRA, 15 U.S. Code 6802, and other pertinent consumer protection statutes. I am fully prepared to explore all available legal avenues to protect my interests.
This letter stands as a formal notice to your organization of my dispute and demands, and it serves as unequivocal notice of my intent to assert my rights under the FCRA, 15 U.S. Code 6802, and other applicable laws, including 15 U.S. Code 1681a, 1681, and 1681s2. Your immediate attention to this matter is not only anticipated but imperative. The inaccuracies under scrutiny have already caused substantial damage to my credit profile, and their swift correction is paramount.
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX XXXX Sent Back this letter on XXXX ( a photocopy will be in the attachments ) - We received your recent dispute regarding certain information contained in your consumer report for the above referenced account. Cardmember Service takes your concerns about accurate consumer reporting seriously.
The Fair Credit Reporting Act is a consumer protection law that governs information collected by consumer reporting agencies such as credit bureaus. The law requires that any information that creditors report to consumer reporting agencies must be accurate. It is our policy to report accurately to the consumer reporting agencies.
We have conducted an investigation of the dispute and reviewed all of the relevant information your provided. Based on our investigation we have determined the account information submitted by cardmember service to the consumer reporting agencies is accurate.
If your have any further questions about your credit score or your consumer report you may contact the consumer reporting agencies directly. -- Then they list the 3 agencies.
|
| 06/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Hello CFPB, I am attaching a PDF to this complaint that is formatted to be easier to read than this text only field. Please kindly review that PDF in full.
Im hoping you can help me Remove an Improper Reporting on my credit report.
XXXX XXXX XXXX is falsely reporting the following account number XXXX I have NEVER had a contract with this company for Anything Whatsoever!
Harassment : Employees from XXXX XXXX XXXX repeatedly call my personal cell phone and Harass me with Threatening, Discriminating, Demeaning and Rude language.
I am Scared to hear the phone ring, because Im Fearful, never knowing what Nefarious and Underhanded tactic XXXX XXXX XXXX will be using to harass me another time.
I have blocked countless Virtual Telephone Numbers used by this company to mask their true identity and trick people to answer the phone from a telephone number that appears to be local to their area code. Unfortunately, they just use another virtual telephone number to circumvent being blocked.
This has gotten so bad that I flinch whenever the phone rings and no longer answer my phone from any phone numbers that I dont recognize. Its terrorizing.
( If you need, I will send you screen shots from my phone showing the dates times and phone numbers they use to contact me. ) I want this company to immediately delete everything they have added to my credit report.
Furthermore I want all credit reporting agencies ( XXXX, TransUnion, XXXX etc ) to immediately delete, from my credit report, anything related to XXXX XXXX XXXX and/or account number XXXX.
XXXX XXXX XXXX does NOT have permission to contact me ever again in any form whatsoever!
Right to Privacy : XXXX XXXX XXXX Has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.
Likewise 15 U.S.C 1681 Section 604 A Section 2, states that a consumer reporting agency can not furnish an account without my written instructions.
I did not Grant, Approve or Authorized XXXX XXXX XXXX permission to obtain any information or report it onto my credit report. I do NOT approve this reporting!
I want XXXX XXXX XXXX to ; Cease and Desist reporting any and all information to all consumer reporting agencies.
AND Delete all previously reporting to all consumer reporting agencies.
Ignoring this Cease and Desist will be evidence that the violation of the FCRA and infringements were willing, and deceptive.
XXXX XXXX XXXX must Immediately Delete this account, # XXXX, unless they want to be held liable for {$1000.00} per violation as permitted by tha FCRA.
Improper Validation : I disputed this reporting directly with XXXX XXXX XXXX by sending them a letter on XXXX.
On the same date I sent dispute letters to XXXX, TransUnion and XXXX requesting they remove this inaccurate reporting.
These letters were sent certified mail. ( I will be happy to send you a copy of the letters and the certified mail tracking numbers if you need them. ) XXXX XXXX XXXX Did NOT provide to me a Full and Complete Verification of this account reporting as REQUIRED by 12 CFR 1006.34 ( c ) Validation information Since they violated this statute, XXXX XXXX XXXX must Immediately Delete this account, # XXXX and all relating information, OFF of my credit report.
Improper Re-Aging of Account : The most infuriating thing this company has done is to repeatedly report a new balance on my credit report, essentially fraudulently re-ageing this account.
One day they report a new balance increased by One ( 1 ) dollar, then days later the new balance will decrease by One ( 1 ) dollar.
This is Fing insane, I have no interaction with this XXXX company so there is no plausible reason for the balance to fluctuate by ONE ( {$1.00} ) dollar OTHER than for XXXX XXXX XXXX to attempt to continue their fraudulent reporting on my credit report in-perpetuity.
XXXX XXXX XXXX is engaging in this illegal re-ageing practice as detailed in FCRA Section 623 ( 5 ) ( A ).
Below I will include a timeline of events recorded by the credit monitoring service I pay for, XXXX ( I will be happy to send you screen shots of these events if you require. ) Since they violated this re-ageing statute, XXXX XXXX XXXX must Immediately Delete this account, # XXXX off of my credit report.
Likewise XXXX, TransUnion, XXXX must immediately delete, anything related to XXXX XXXX XXXX and/or account number XXXX.
Timeline XXXX - XXXX sent a dispute letter to XXXX XXXX XXXX requesting validation of the account.
XXXX - A new comment is made to my credit report ( regarding the account in question ) on TransUnion and XXXX Comment : Consumer disputes this account information XXXX - XXXX XXXX XXXX reports a new balance Increased by {$1.00} ( One Dollar ) to TransUnion and XXXX.
XXXX - XXXX XXXX XXXX reports a new balance Decreased by {$1.00} ( One Dollar ) to TransUnion.
XXXX - XXXX XXXX XXXX reports a new balance Decreased by {$1.00} ( One Dollar ) to XXXX.
XXXX - XXXX XXXX XXXX reports a new balance Increased by {$1.00} ( One Dollar ) to TransUnion.
XXXX - XXXX XXXX XXXX reports a new balance Increased by {$1.00} ( One Dollar ) to XXXX.
XXXX - XXXX XXXX XXXX reports a new balance Decreased by {$1.00} ( One Dollar ) to TransUnion.
XXXX - XXXX XXXX XXXX Calls my Cell Phone from an New Phone Number ( I block it ) XXXX - XXXX XXXX XXXX reports a new balance Increased by {$1.00} ( One Dollar ) to TransUnion.
XXXX - XXXX XXXX XXXX Calls my Cell Phone TWICE from an New Phone Number ( I block it ) XXXX - XXXX XXXX XXXX Calls my Cell Phone from an New Phone Number ( I block it ) ( I can send you screen shots of each of the events in this timeline. ) XXXX XXXX XXXX is Artificially Increasing and Decreasing a new balance to harass me through their fraudulent and illegal activity through my credit report, keeping this account active, Re-Aging it in-perpetuity.
Then they call my cell phone, presumably to further attempt to intimidate me.
I have XXXX HAD ENOUGH!!!!!
XXXX XXXX XXXX must Immediately Delete this account, # XXXX off of my credit report.
XXXX, TransUnion and XXXX must immediately delete EVERYTHING related to XXXX XXXX XXXX and/or account number XXXX.
Factual Inaccuracies : Please kindly see 2 screen shots below, taken from my credit report on XXXX. ( Ive added arrows pointing at the line items labeled Balance and High Credit ) The Balance item is listed at {$7600.00} and the High Credit item is listed at {$7600.00} a difference of ONE ( {$1.00} ) dollar.
These two items can NOT be factually accurate in the same universe!
Please also note the Date of last XXXX is reported as follows.
TransUnion XXXX, XXXX XXXX, XXXX XXXX That is XXXX XXXX! I have NO interaction whatsoever with XXXX XXXX XXXX, so there CANT BE ANY LAST ACTIVITY REPORTED!!!! Furthermore, they are years different!!!!
If XXXX XXXX XXXX does not immediately remove this reporting I will be forced to take further action of seeking damages of up to {$1000.00} per violation.
Likewise, If XXXX XXXX XXXX does not immediately remove this reporting, I will be forced to report them to the California State Attorney General and Better Business Bureau.
Furthermore, If XXXX XXXX XXXX, XXXX, TransUnion and XXXX do not immediately remove this reporting, I will retain Legal Counsel to seek the full legal remedy Im entitled to via the courts.
Resolution / Remedy : By now you should realize I am VERY upset and believe the only way I can find relief is to report XXXX XXXX XXXX to the regulating authorities.
I apologize for my tone, MASSIVE frustration and colorful vocabulary.
XXXX XXXX XXXX is perpetrating Fraudulent and Illegal Reporting on my credit report in MANY different ways, and IVE HAD ENOUGH!
In accordance with 15 U.S.C. Sec. 1681i ( a ) I want this account deleted because there is no possible way it is being reported legally, 100 percent right, correct, factual and accurate.
XXXX XXXX XXXX must Immediately Delete this account, # XXXX off of my credit report.
XXXX, TransUnion and XXXX must immediately delete EVERYTHING related to XXXX XXXX XXXX and/or account number XXXX.
I look forward to resolving this issue as SOON as Possible.
Thank you for your continued assistance.
XXXX XXXX Please find my identification documents attached below.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Last XXXX of XXXX : XXXX
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| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Consumer Financial Protection Bureau XXXX I hope this letter finds you well. I am writing to formally dispute the inaccurate and unverified information currently present on my credit report. I am seeking your assistance in addressing these violations of my rights under the law, and I humbly request your intervention to enforce the applicable legal provisions.
I have been a diligent and responsible consumer, consistently striving to maintain a good credit history. Unfortunately, my efforts have been undermined due to the actions of certain creditors who have inaccurately reported information on my credit report. I am providing a detailed account of my experience to convey the emotional toll this situation has taken on my life.
XXXXXXXX XXXX XXXX Account number : XXXX Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The account information is reported inaccurately, stating that payments were late when they were not. This inaccurate reporting negatively impacts the individual 's credit and needs to be updated and corrected promptly.
XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX : Account number : Address Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The address is inaccurately reported, and the individual requests its immediate removal from the credit report.
XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : Similar to the first case, inaccurate reporting of payment history is adversely affecting the individual 's credit score. The individual requests a correction and removal of the incorrect information.
XXXX XXXXXXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX XXXX XXXX XXXX XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX : Account number : XXXX Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : Once again, inaccurate reporting of payment history is harming the individual 's credit score. The individual requests correction and removal of the incorrect data.
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual insists on the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX : Account number : Name Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual 's name is inaccurately reported. The individual requests its immediate removal from the credit report.
XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual insists on the removal of an unauthorized credit inquiry from their credit report.
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX XXXX AZ XXXX : Account number : Address Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The address is inaccurately reported, and the individual requests its immediate removal from the credit report.
XXXX XXXX XXXX XXXXXXXX XXXX XXXX UT XXXX : Account number : Address Violation : Inaccurate Reporting under the Fair Credit Reporting Act ( FCRA ) Explanation : The address is inaccurately reported, and the individual requests its immediate removal from the credit report.
XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual has no recollection of authorizing this credit inquiry and demands its removal from the credit report.
XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Violation : Unauthorized Credit Inquiry under the Fair Credit Reporting Act ( FCRA ) Explanation : The individual demands the removal of an unauthorized credit inquiry from their credit report.
The emotional toll of these inaccuracies is profound. I am a hardworking individual who has diligently managed my finances, only to find my efforts thwarted by creditors ' negligence. The stress and anxiety caused by these inaccuracies have affected my personal relationships, my mental well-being, and my ability to plan for my future. My dreams of homeownership, educational pursuits, and financial stability have been clouded by the unwarranted damage to my credit history.
In light of the above, I implore you to take action to ensure the enforcement of the relevant legal provisions. I respectfully request that you engage with the creditors in question to demand the removal of inaccurate and unverified information from my credit report. This is not only a matter of personal significance but also a matter of upholding the integrity of the credit reporting system for all consumers.
I thank you for your attention to this matter and your commitment to protecting consumer rights. Your intervention will undoubtedly alleviate the distress I have experienced and pave the way for a more secure financial future.
Sincerely, XXXX XXXX
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| 03/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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I have had to reach out today XX/XX/XXXX concerning the multiple fraudulent accounts and things being reported by XXXX/TRANUNION//XXXX XXXX XXXX XXXX This credit reporting agency continues to report fraudulent information even though Ive sent them over multiple documentation of who I am they continue to do this, and violate me in every way, state and federal laws I am have reached out to XXXX, XXXX and XXXX, Trans Union about the improper use of my credit report XXXX They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint XXXX XXXX state Attorney Generals complaint with a sworn affidavit of truth, ( FRAUDULENT ACCOUNTS ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask again of the CFPB TO truly look into the many violations of the FCRA by XXXX TRANSUNION including 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. Gramm-leach-Bliley Act. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30- day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( 15 USC 1681 ( 3 ) ( e ) investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer ). A copy of the consumer credit contract is not sufficient to validate the debt. Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. Pacific Concrete F.C.U v. Kauanoe, 62 Haw. 334, 614 P. 2d 936 ( 1980 ), GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App 2001 ), Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super.2000 ), and Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A.2d 1218, 201 Conn.l ( 1986 ). and Solon v. Godbole, 163 III. App. 3d 845, 114 III. Dec. 890,516 N. E.2d 1045 ( 3Dist. 1987 ). UCC 9-201 ~ Request for accounting F.R.C.P. ( F.R.E. ) 1002 says you are entitled to the original which can never be produced because it was destroyed when the federal reserve bought your application for credit. But XXXX is also in multiple violations and egregious acts in a grotesque, mismanagement and handling of identity sensitive personal information and data. 15 USC 1692c ( b ) ( 15 U.S. code 1681s-2 ) Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure ni case of disputed accuracy, 15 U.S. code 1681b- Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USAPATRIOT Act. ( Gramm-leach-Bliley Act ) FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5700.00} XX/XX/XXXX ) Fraudulent Name ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent address ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A bank clerk looking at their computer screen, seeing my name listed in their database is ( NOT verification or validation ) of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FILED ) ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of NEW YORK Attorney General 's office WHICH I HAVE DONE AND YOU WILL SEE ATTACHED DOCUMENTS should you continue in your non-compliance I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am aware that my SSN belongs to the ( SSA ) ( Social Security Administration ) and anything purchased with that identifying number is an ( obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( ( XXXX XXXXTRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( XXXXTRANSUNION ) ARE also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNIONXXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXXTRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT Failure to remove account in 5 days from my consumer report as requested will result in legal matters being taken also reporting these matters to ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I reviewed my credit report on XX/XX/XXXX and noticed the following inquires on my credit report. I contacted each credit bureau and informed them these were not authorized by me. The agencies ignored my request for removal. I also called each company and told them I did not authorize these inquiries. They all told me to contact the credit bureaus. I have filed a report with the Federal Trade Commission as well.
TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX These Inquires are from Trans Union.
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXI Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX INQUIRIES FROM XXXX The XXXX was not authorized XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX ( AZ ) Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX XXXX XXXX XXXX XXXX, TX XXXX FROM XXXX The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
THESE are all the companies that pulled my credit report without my authorization.
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| 02/21/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Re : Request to Reinvestigate & Delete Accounts Legal Department, My only complete accurate and full legal name first and last name exactly : XXXX XXXX My only complete accurate and full desired reported address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX My only complete accurate and full date of birth : Date of Birth : XX/XX/XXXX The last 4 digits of My Social Security number : SS # : XXXX I do not have any requisite other current addresses and I do not desire any other addresses to be retained or reported, if any delete them now or produce proof of your legitimate authority to retain much less report without infringing my consumer rights.
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!!
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action.
I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX Account Number : XXXX I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau
|
| 06/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I don't recognize these credit inquiries on my credit report, I would like this to be removed. I didn't approved of any of them, I believe this was made in a mistake of fraud.
I no longer work at XXXX XXXX - this needs to be removed from my credit file.
XXXX XXXX - Is not my correct name, wrong name.
My phone number is not XXXX - this needs to be removed from my credit file.
Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Details : This is not my inquiry, I do not recognize this inquiry.
Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Details : This does not belong to me, I never applied through this company. I would like this inquiry to be removed.
Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX Details : This does not belong to me, I never applied through this company. I would like this inquiry to be removed.
Company Name : XXXX XXXX Date : XX/XX/XXXX Details : This does not belong to me, I never applied through this company. I would like this inquiry to be removed.
Company Name : TRANSUNION XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Details : This does not belong to me, I never applied through this company. I would like this inquiry to be removed.
Company Name : XXXX XXXX Date : XX/XX/XXXX Details : This does not belong to me, I never applied through this company. I would like this inquiry to be removed.
Company Name : XXXXXXXX XXXX Date : XX/XX/XXXX Details : This does not belong to me, I never applied through this company. I would like this inquiry to be removed.
Company Name ; XXXX XXXX XXXX Details ; I did not approve of this inquiry on my credit file, I would like this to be removed.
Company Name : XXXX XXXX XXXX Details : I did not approve of this inquiry on my credit file, I would like this to be removed.
Company Name : XXXX XXXXXXXX XXXX Dates : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed.
Company Name : XXXX XXXXXXXX XXXX TRANSUNION XXXX IN XXXX, XX/XX/XXXX, XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXXXXXX XXXX XXXXTRANSUNION XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXXTRANSUNION XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Date : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Details ; I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company NAME : XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXXXXXX XXXX XXXX - XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : TRANSUNION XXXX XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXXXXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name ; TRANSUNION XXXX IN Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXXXXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXXXXXX XXXX XXXX XXXX Date : XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Details ; I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXXXXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Details ; I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company NAME : XXXX XXXX Date : XX/XX/XXXX Details : I never did a transaction to obtain this inquiry, I would like this to be removed from my credit file.
Company Name : XXXX XXXX XXXX Date : I never did a transaction or apply through this company, I would like this to be removed from my credit file.
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
2. The inquiry was not authorized XXXX XXXX I Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
3. The inquiry was not authorized XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
4. The inquiry was not authorized XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX I Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX, XXXX Account XXXX : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized GLOBAL LENDING SERVICE Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.
1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
|
| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. XXXX XXXX XXXX XXXXr : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
2. XXXXXXXX XXXX XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
3. XXXXXXXX XXXX XXXX XXXX XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
4. XXXXXXXX XXXX XXXX XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
5. XXXX XXXX XXXX XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
6XXXX XXXX XXXX XXXXXXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The following personal information is incorrect Account Number : XXXX - This is not my employer. Delete it immediately from my report.
16. The following personal information is incorrect Account Number : XXXX - This is not my employer. Delete it immediately from my report.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
20. XXXX XXXXXXXX XXXX XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
21. XXXXXXXX XXXX XXXX XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
23. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
24. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
26. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
27. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
29. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
30. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
31. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 01/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I noticed that this company is reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH. RE-AGING OF AN ACCOUNT IS A MISREPRESENTATION OF MY CREDIT HISTORY. PLEASE DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana. Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re-age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. The following accounts listed on my credit as follows : XXXX XXXX XXXX : XXXX XXXX XXXX has two accounts that they have been re-aging. In the state that I reside, the law states that a debt can only be collected for three years and said debt can not be re-aged and/or reported as open per FCRA rules and guidelines. I also did not receive services from this company and would like them to provide proof of these services or remove them from my reporting. Ive also added my FCRA guidelines that apply to me as well 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. ( C ) Procedures to prevent reappearance. A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumer 's file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ). ( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumer 's file to other such consumer reporting agencies. ( 6 ) Notice of Results of Reinvestigation ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; ( iv ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the information ; and ( v ) a notice that the consumer has the right to request under subsection ( d ) that the consumer reporting agency furnish notifications under that subsection. ( 7 ) Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. ( 8 ) Expedited dispute resolution. If a dispute regarding an item of information in a consumer 's file at a consumer reporting agency is resolved in accordance with paragraph ( 5 ) ( A ) by the deletion of the disputed information by not later than 3 business days after the date on which the agency receives notice of the dispute from the consumer in accordance with paragraph ( 1 ) ( A ), then the agency shall not be required to comply with paragraphs ( 2 ), ( 6 ), and ( 7 ) with respect to that dispute if the agency ( A ) provides prompt notice of the deletion to the consumer by telephone ; ( B ) includes in that notice, or in a written notice that accompanies a confirmation and consumer report provided in accordance with subparagraph ( C ), a statement of the consumer 's right to request under subsection ( d ) that the agency furnish notifications under that subsection ; and ( C ) provides written confirmation of the deletion and a copy of a consumer report on the consumer that is based on the consumer 's file after the deletion, not later than 5 business days after making the deletion. With this being said Im aware of my rights. Please do whats right and delete and make sure these stay off my reports. Thank you, XXXX XXXX
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to lodge a formal dispute regarding several violations that have severely impacted my financial well-being and personal life. As a concerned consumer, I am seeking your assistance in enforcing the legal rights and protections that are afforded to me under the Fair Credit Reporting Act ( FCRA ).
Unauthorized Inquiries : Upon reviewing my credit report, I was dismayed to discover a significant number of unauthorized inquiries made by various creditors. These inquiries, made without my knowledge or consent, have led to an undue intrusion into my financial privacy and have caused me significant distress. The unauthorized inquiries infringe upon my rights under FCRA Section 604, which outlines permissible purposes for obtaining consumer credit reports.
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX - Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Incorrect Personal Information : Furthermore, I have identified instances of incorrect personal information that have been reported on my credit profile. This misinformation has tarnished my creditworthiness and has affected my ability to secure favorable financial terms. I believe that the inaccurate personal information breaches the accuracy and integrity standards set forth by FCRA Sections 607 and 611, and necessitates immediate correction.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address belongs to someone else. Delete it from my report immediately.
FCRA Violation - Reporting Accuracy of Bankruptcy Account : Most distressing of all is the potential violation related to the accuracy of a bankruptcy account listed on my credit report. This account inaccurately attributes bankruptcy proceedings to me, damaging my reputation and creating an unjust financial burden. This matter directly implicates FCRA Section 623, as well as 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), highlighting the responsibility of furnishers of information to ensure accurate reporting.
Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), there is a potential violation related to the reporting accuracy of the bankruptcy account associated with Case Number : XXXX.
This situation has not only harmed me financially but has also taken a significant toll on my emotional well-being. The constant worry of unauthorized inquiries, coupled with the devastating impact of inaccurate information and the wrongful association with a bankruptcy account, has caused stress, XXXX and sleepless nights. These events have left me feeling helpless and betrayed by a system that is supposed to protect consumers like me.
Therefore, I implore you to take immediate action to enforce the legal safeguards provided by the FCRA. I respectfully request that the concerned creditors promptly remove the unverified accounts and inquiries from my credit report, restoring my financial reputation and granting me the peace of mind I deserve.
I understand the vital role that the Consumer Financial Protection Bureau plays in safeguarding consumers ' rights, and I am grateful for your dedication to ensuring fair and just practices in the financial industry. I kindly ask for your intervention in this matter and look forward to a timely resolution that can bring relief to my life.
Thank you for your attention to this pressing matter. I await your response and the steps taken to rectify these violations.
Sincerely, XXXX XXXX
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| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to XXXX and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account In question : XXXX XXXX account # XXXX account type : revolving account account type -detail : revolving account bureau code : individual account account status : closed date opened : XX/XX/XXXX balance : {$710.00} credit limit : {$500.00} payment status : charged off as bad debt payment status ( XXXX ) : **consumer statement** y item disputed by consumer account previously in dispute - now resolved, reported by data furnisher ( to be used for FCRA and FCBA disputes ) comments ( transunion ) : dispute resolved reported by grantor also I want to take the time out now to say that this information that is being reported on both transunion and XXXX is inaccurate and just off that one reason alone should be grounds for a deletion. However I will take the time out now to make everyone getting this correspondence that XXXX has already deleted this account and henceforth has already admitted to the account being inaccurate. I would love to see when fraud you bring forward to validate this complaint.
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| 05/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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CFPB Sues Nation 's Largest Student Loan Company XXXX for Failing Borrowers at Every Stage of Repayment XXXX Formerly Part of XXXX XXXX, Illegally Cheated Borrowers Out of Repayment Rights Through Shortcuts and Deception XX/XX/XXXX XXXX XXXX XXXX WASHINGTON, D.C. Today the Consumer Financial Protection Bureau ( CFPB ) is suing the nations largest servicer of both federal and private student loans for systematically and illegally failing borrowers at every stage of repayment. For years, XXXX, formerly part of XXXX XXXX, created obstacles to repayment by providing bad information, processing payments incorrectly, and failing to act when borrowers complained. Through shortcuts and deception, the company also illegally cheated many struggling borrowers out of their rights to lower repayments, which caused them to pay much more than they had to for their loans. The Bureau seeks to recover significant relief for the borrowers harmed by these illegal servicing failures.
" For years, XXXX failed consumers who counted on the company to help give them a fair chance to pay back their student loans, '' said CFPB Director XXXX XXXX. " At every stage of repayment, XXXX chose to shortcut and deceive consumers to save on operating costs. Too many borrowers paid more for their loans because XXXX illegally cheated them and today 's action seeks to hold them accountable. '' Formerly part of XXXX XXXX XXXX XXXX, XXXX is the largest student loan servicer in the United States. It services the loans of more than 12 million borrowers, including more than 6 million accounts under its contract with the Department of Education. Altogether, it services more than {$300.00} billion in federal and private student loans. Named in todays lawsuit are XXXX XXXX and two of its subsidiaries : XXXX XXXX is a division responsible for loan servicing operations ; XXXX XXXX XXXX specializes in the collection of defaulted student loans.
Servicers are a critical link between borrowers and lenders. They manage borrowers accounts, process monthly payments, and communicate directly with borrowers. When facing unemployment or other financial hardship, borrowers rely on their student loan servicer to help them enroll in alternative repayment plans or request a modification of loan terms. A servicer is often different from the lender, and borrowers typically have no control over which company is assigned to service their loans.
Starting in XXXX, the vast majority of federal student loan borrowers gained a right to make payments based on how much money they earn by enrolling in repayment arrangements known as income-driven repayment plans. These plans are part of the federal governments effort to make student loans more affordable. For borrowers who meet certain income and family-size criteria, these plans can offer monthly payments as low as zero dollars. Another important benefit of income-driven repayment plans is that for the first three years after enrollment, many consumers are entitled to have the federal government pay part of the interest charges if they cant keep up. All federal student loan borrowers enrolled in these plans may be eligible for loan forgiveness after 20 or 25 years of monthly payments.
In todays action, the Bureau alleges that XXXX has failed to provide the most basic functions of adequate student loan servicing at every stage of repayment for both private and federal loans. XXXX provided bad information in writing and over the phone, processed payments incorrectly, and failed to act when borrowers complained about problems. Critically, it systematically made it harder for borrowers to obtain the important right to pay according to what they can afford. These illegal practices made paying back student loans more difficult and costly for certain borrowers. Specifically, among the allegations in todays lawsuit, the Bureau charges that XXXX : Fails to correctly apply or allocate borrower payments to their accounts : As soon as a borrower begins to pay back their loans, student loan servicers are supposed to take a borrowers payment and follow instructions from the borrower about how to apply it across their multiple loans. XXXX repeatedly misapplies or misallocates payments often making the same error multiple times over many months. The company all too often fails to correct its errors unless a consumer discovers the problem and contacts the company.
Steers struggling borrowers toward paying more than they have to on loans : When borrowers run into trouble repaying their federal student loans, they have a right under federal law to apply for repayment plans that allow for a lower monthly payment. But the Bureau believes that XXXX steers many borrowers into forbearance, an option designed to let borrowers take a short break from making payments. But interest continues to add up during forbearance. Certain consumers with subsidized loans end up paying a heavy price because they could have potentially avoided those interest charges. From XX/XX/XXXX to XX/XX/XXXX, the company added up to {$4.00} billion in interest charges to the principal balances of borrowers who were enrolled in multiple, consecutive forbearances. The Bureau believes that a large portion of these charges could have been avoided had XXXX followed the law.
Obscured information consumers needed to maintain their lower payments : Borrowers who successfully enroll in an income-driven repayment plan need to recertify their income and family size annually. But XXXX emails and annual renewal notice sent to borrowers failed to adequately inform them of critical deadlines or the consequences if they failed to act. XXXX also obscured its renewal notices in emails sent to borrowers that did not adequately alert them about the need to renew. Many borrowers did not renew their enrollment on time and they lost their affordable monthly payments, which could have caused their monthly payments to jump by hundreds or even thousands of dollars. When that happens, accrued interest is added to the borrowers principal balance, and these borrowers may have lost other protections, including interest subsidies and progress toward loan forgiveness.
Deceived private student loan borrowers about requirements to release their co-signer from the loan : XXXX told borrowers that they could apply for co-signer release if they made a certain number of consecutive, on-time payments. Even though it permits borrowers to prepay monthly installments in advance and tells customers who do prepay that they can skip upcoming payments, when borrowers did so, XXXX reset the counter on the number of consecutive payments they made to zero. So borrowers who tried to get ahead of their loans and prepay would have been denied co-signer release and had to start over.
Harmed the credit of XXXX borrowers, including severely injured veterans : Student loan payments are reported to credit reporting companies. Severely and permanently XXXX borrowers with federal student loans, including veterans whose XXXX is connected to their military service, have a right to seek loan forgiveness under the federal Total and XXXX XXXX discharge program. XXXX misreported to the credit reporting companies that borrowers who had their loans discharged under this program had defaulted on their loans when they had not. This potentially caused damage to their credit reports.
The Bureau also alleges that XXXX, through its subsidiary XXXX, made illegal misrepresentations relating to the federal loan rehabilitation program available to defaulted borrowers. XXXX misrepresented the effect of completing the federal loan rehabilitation program by falsely stating or implying that doing so would remove all adverse information about the defaulted loan from the borrowers credit report. XXXX also misrepresented the collection fees that would be forgiven upon completion of the program.
Todays lawsuit alleges that XXXX has been in violation of the Dodd-Frank Wall Street Reform and Consumer Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collections Practices Act. The suit seeks redress for consumers harmed by XXXX illegal practices. The CFPB is also seeking to keep XXXX from continuing the illegal conduct described in the complaint, and to prevent new borrowers from being harmed.
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| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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TransUnion, XXXX and XXXX are reporting my student loan on my credit report.
XXXX account XXXX, XXXX XXXX and XXXX They are in violation of the Family Educational Rights and Privacy Act.The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) These credit agencies are in violation of 15 U.S.C subsection 1681a Accuracy and Fairness of credit reporting. ( b ) Reasonable procedures - It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting Transaction history is illegal!!
They are in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need My written consent to add anything to my consumer report. I did not give any credit agency authorization to furnish these student loans on my report. This is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backs the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) They are in violation of15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : - Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
-No adverse item besides the Conviction of Crimes should be on your report any item that is a derogatory mark is not allowed into consumer reports and this is another violation 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; If you can prove they wilfully violated the act you are entitled to at least XXXX XXXX per violation plus any other damages you have sustained as a result of their failure to follow the law. If you have to file more than 1 complaint, wilful noncompliance can easily be proven as they had a full understanding of the violations after you complained the 1st time.
Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law.
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid. I Have done so Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way they have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974
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| 02/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Institutions covered by the Gramm-Leach-Bliley Act must tell their customers about their information-sharing practices and explain to customers their right to " opt out '' if they don't want their information shared with certain third parties. Pursuant to the Gramm-Leach-Bliley Act and 15 USC 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- such financial institution clearly and conspicuously DISCLOSES to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Notice, congress said that the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such a third party and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. The fact that I was never given an explanation of how I can exercise that nondisclosure option is immediate grounds for removal.
The Privacy Rule applies to businesses that are " significantly engaged '' in " financial activities '' as described in section 4 ( k ) of the Bank Holding Company Act. Your activities determine whether you are a " financial institution '' under the Privacy Rule. According to the Bank Holding Company Act provision and regulations established by the Federal Reserve Board, " financial activities '' include : lending, exchanging, transferring, investing for others, or safeguarding money or securities. These activities cover services offered by lenders, check cashers, wire transfer services, and sellers of money orders.
providing financial, investment or economic advisory services. These activities cover services offered by credit counselors, financial planners, tax preparers, accountants, and investment advisors.
brokering loans.
servicing loans.
debt collecting.
providing real estate settlement services.
career counseling ( of individuals seeking employment in the financial services industry ).
The Gramm-Leach-Bliley Acts notice and opt out provisions are in addition to the obligations imposed by the Fair Credit Reporting Act ( FCRA ). If the FCRA currently requires that you make clear and conspicuous disclosures to your consumers regarding your sharing of certain information ( such as consumer report and application information ) with your affiliates, you must continue to do so. The GLB Act requires these disclosures to be made as part of any privacy policy you give to your consumers or customers.
I did not receive the initial privacy and opt out notices or annual notices as required by law from any of the listed accounts. Pursuant to 16 CFR 313.9 Delivering privacy and opt out notices subpart ( e ) Retention or accessibility of notices for customers - ( 1 ) For customers only, you must provide the initial notice required by 313.4 ( a ) ( 1 ), the annual notice required by 313.5 ( a ), and the revised notice required by 313.8 so that the customer can retain them or obtain them later in writing or, if the customer agrees, electronically.
Generally, financial institutions are not considered to function as consumer reporting agencies ; however, depending on the degree to which their information sharing business practices approximate those of a consumer reporting agency, they can be deemed as such. A person, including a financial institution, may share information strictly related to its own transactions or experiences with a consumer ( such as the consumers payment history, or an account with the institution ) with any third party, without regard to affiliation, without becoming a consumer reporting agency. This type of information sharing may, however, be restricted under the Privacy of Consumer Financial Information regulations that implement the GrammLeach-Bliley Act ( GLBA ) because it meets the definition of non-public personal information under the Privacy regulations ; therefore sharing it with non-affiliated third parties may be subject to an opt out under the privacy regulations. In turn, the FCRA may also restrict activities that the GLBA permits. For example, the GLBA permits a financial institution to share a list of its customers and information such as their credit scores with another financial institution to jointly market or sponsor other financial products or services. This communication may be considered a consumer report under the FCRA and could potentially cause the sharing financial institution to become a consumer reporting agency.
Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.
Congress has also advised against the request, disclosure, and use of social security numbers as a unique identifier for records or in the issuance of credit for any purpose outside of Public Health and Welfare ( Social Security Retirement ) disclosures and uses. The Social Security Act in codified chapter 42 U.S. Code 408. Penalties ( 8 ) In general Whoever discloses, uses, or compels the disclosure of the social security number of any person in violation of the laws of the United States ; shall be guilty of a felony and upon conviction thereof shall be fined under title 18 or imprisoned for not more than five years, or both ; Notice, 15 U.S. Code 1681 - Congressional findings and statement of purpose regarding Accuracy and Fairness of Credit reporting provides ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant to 15 USC 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the CONSUMER to whom it relates. I, XXXX XXXX XXXX never gave XXXX, Transunion, and XXXX any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. A copy of FEDERAL LAW is attached with this dispute letter.
Accounts 1. XXXX Account Number : XXXX 2. XXXX XXXX Account Number : XXXX 3. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX - HIPAA Account Number : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX REMOVE UNAUTHORIZED Inquiries attached to this notice.
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 TransUnion XXXX - XX/XX/2020 XXXX
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| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Since my complaint on XX/XX/XXXX below so many things have taken place. The things that changed are listed below : 1. XXXX XXXX and XXXX XXXX continue deceptive marketing of XXXX XXXX Credit card financing by saying that the financing be it 6 months, 12 months, 18 months or 24 months is NO INTEREST AND NO PAYMENT. I confirmed this as late as this month and when I probed the sales representative he told me that you are only required to pay a minimal amount.
2. The charge on the closed XXXX XXXX Card was actually for my Kitchen project but I was told that THE FINANCING WAS FOR 6 MONTHS NO INTEREST AND NO PAYMENT.
3. UNFORTUNATELY FOR ME, THIS PROJECT WAS COMPLETED IN XXXX OF XXXX, AND THIS MONTH WAS THE TIME, MY ONLY SISTER AND FAMILY MEMBER LIVING WITH ME WAS DIAGNOSED WITH XXXX XXXX XXXX XXXX. WITH THE DECEPTIVE INFORMATION PROVIDED BY XXXX XXXX, ( PROGRAMMING MYSELF TO PAY THE CHARGE OFF BY SIX MONTHS ), AND RUNNING AROUND TO SAVE MY SISTER 'S, XXXX XXXX CONTINUED TO PILE DELINQUENT CHARGES ON THAT CARD. MY SISTER FINALLY LOST THE FIGHT FOR HER LIVE IN XXXX OF XXXX.
4. THE SAME THING THAT HAPPENED IN XXXX WITH MY XXXX XXXX XXXX XXXX CARD ( DECEPTIVE 18 MONTHS NO INTEREST AND NO PAYMENT PROMOTIONAL FINANCING ) HAPPENED AGAIN IN XXXX OF XXXX AND XXXX OF XXXX WITH MY XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX CREDIT CARDS. THE DIFFERENCE THIS TIME WAS THAT I WAS NOT CAUGHT UP IN TRYING TO SAVE MY SISTER 'S LIVE AND SECONDLY I FILLED FOR A BUSINESS LINE OF CREDIT, WHICH BROUGHT OUGHT THE DELINQUENT REPORTINGS IN MY CREDIT REPPORT. I HAVE SINCE PAID OFF ALL THE BALANCE IN THE XXXX XXXX XXXX XXXX CARD AND SET UP A RECURRING MONTHLY PAYMENTS TO THE XXXX XXXX XXXX XXXX CARD.
5. NON OF THESE DELINQUENT CHARGES WOULD HAVE NOT OCCURED IF XXXX XXXX XXXX XXXX SALES REPRESENTATIVE DID NOT USE DECEPTIVE MARKETING OF " NO INTEREST AND NO PAYMENT FINANCING '' TO LURE ME TO CHARGE THAT AMOUNT ON THE CARD.
6. I ALSO REALIZED THAT THOSE DELIQUENT REPORTING WERE IN MY ; TRANSUNION, XXXX ANG XXXX CREDIT REPORTS.
I HEREBY SOUGHT YOUR ASSISTANCE THROUGH THE ABOVE CREDIT REPORTING AGENCIES TO PURGE ALL DELINQUENT REPORTING ON DATES LISTED IN MY XX/XX/XXXX COMPLAINT FROM MY CREDIT REPORT TRANSUNION, XXXX AND XXXX ).
I WILL ALSO URGE CFPB, TO CENSURE XXXX XXXX AND XXXX XXXX AGAINST FUTURE DECEPTIVE PROMOTIONAL FINANCING Complaint Filled on XX/XX/XXXXis listed below : Good afternoon, My name is XXXX XXXX and I reside in XXXX XXXX XXXX, XXXX XXXX, MN XXXX. Email address and telephone number are : XXXX and XXXX respectively. My complaints are with XXXX XXXX Credit Card ( Through XXXX XXXX ) and another XXXX XXXX Credit Card ( Through XXXX XXXX ). XXXX XXXX Credit Card ( Through XXXX XXXX ) AC # : XXXX ; In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX wrongly placed late payments on my credit reports. I was never away that such information was on my credit report because they were wrong. I happened to apply for line of credit and I was informed of the late payments that was reported in my credit report. They told me that I can obtain a free copy of my credit report. When I did, I discovered that the reporting was through XXXX XXXX who recently closed that account without notifying me. All the projects I had had with XXXX XXXX in the past was always 24 months, NO INTEREST and NO PAYMENTS and usually I set up a recurring payments from my bank to take care of all the payments before the 24 months due date. I contacted XXXX XXXX credit card who identified themselves as XXXX XXXX. I immediately informed them of the incorrect reporting by them on my credit report, they offered to send me copies of the invoices because prior to that those invoices were never sent to me. At the time of that request XXXX XXXX was operation two cards with XXXX XXXX under my name but shortly after the call, they now refer to that account as closed but no reason was provided to me as to why it was closed and when that took place because as of XX/XX/XXXX, I made purchases at XXXX XXXX with the card. When I finally got the invoices, I contacted XXXX XXXX to let them know that the information they have on my credit report was wrong and that they should remove those from my report but they said I should contact the credit bureau to have them remove that. I again contacted them today, after noticing the same pattern with a recent transaction with my XXXX XXXX, XXXX XXXX credit card. This time they told me the account is closed that they will not adjust their reporting. Please this looks like fraud by XXXX XXXX because the same thing is happening with my XXXX XXXX credit card managed by XXXX XXXX. On both occasions I was offered 24 months and 18 Months No Interest and No payments. On both occasions my invoices were never mailed and both occasions involved closing my old accounts without notification and sending me new credits cards. Below is what happened with my XXXX XXXX credit card. XXXX XXXX Credit Card ( Through XXXX XXXX ) Ac # : XXXX : In XXXX of XXXX, I purchased a television from XXXX XXXX and I was told that I was getting 18 months No Interest and No Payment for the purchase. Shortly after that, I received a credit card from XXXX XXXX and since I had a credit card from XXXX XXXX like XXXX XXXX, I did not activate the card. Meanwhile in I set up a recurring payment to take care of the purchase cost before the 18 months. Suddenly, I started receiving voice mail to go online and review my XXXX XXXX - XXXX XXXX credit card. That sounded strange because the message never mentioned payment due and as long as I know the purchase was No Interest and No payments and more over I have not received any invoice from XXXX XXXX or XXXX XXXX regarding my purchase. It wasn't until I realized what XXXX XXXX did to my credit report that I decided to contact them, To my surprise when I contacted them they said my account was overdue and was under collection. At this point I have sent {$200.00} to my XXXX XXXX account which I thought was still current. I told them that they do not know what they are talking about, first I reminded them that my purchase was 18 months No Interest and No Payment and the account can not be overdue. Secondly, I reminded them that I sent {$200.00} to them and another payment of {$200.00} was scheduled to be made by my bank of XX/XX/XXXX. They said they did not receive anything and was trying to get me to make a payment of {$100.00}. At that time I thought I was speaking with fraudsters so I hung up. I then went back to the new card XXXX XXXX sent me which was not activated and called the customer service number listed on that card. When the representative came I narrated everything that has taken place and she said that the purchase was set up for No Interest but monthly payments were required. Then I asked her why they have not sent me any invoice since that purchase, but she could not answer that question. When I enquired about the {$200.00} I sent, she said that they have not received anything from me. At that time I had the information where the {$200.00} was sent in front of me, and that was how I found out that the account like XXXX XXXX credit card was also closed and that the card that was sent to me was my new account. I asked her whether she has access to the old account and she put me on hold and when she came back she said that the {$200.00} was in that old account. It was then that I realized that XXXX XXXX had accessed two late payment of thirty something dollars the new account. The only thing they told me was that they are sorry that they will wave one of the late payments now and asked me to call them back in XXXX to wave the other one, the reason I was meant to wait to wave the late charge due to their error beats me. As we speak I have not received a single invoice on my XXXX XXXX XXXX XXXX credit card. THIS CLEARLY LOOKS LIKE FRAUD BY XXXX XXXX. 1. They first offered No Interest and No Payment before purchase, then they turn around and start charging people late charges and putting ridiculous comments on peoples credit reports and if you are lucky you will detect it on time and sometimes pay additional money to clear your records. PLEASE I NEED YOUR HELP TO ADDRESS THESE FRAUDULENT ACTIVITIES.
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| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/1990 SS # : XXXX I am writing to dispute the inaccurate information that has been reported on my credit report by the following credit reporting agencies : [ List the names of the credit reporting agencies ]. I have found multiple instances of incorrect name and address information on my credit reports, and I believe that the credit reporting agencies have violated several laws in doing so. Specifically, the following violations may have occurred : Fair Credit Reporting Act ( FCRA ) : The credit reporting agencies have failed to maintain accurate information about me by reporting my name incorrectly as XXXX XXXX or XXXX XXXX XXXX instead of my correct name, XXXX XXXX XXXX. This violates Sections 607, 609, 610, 611, and 623 of the FCRA. Fair and Accurate Credit Transactions Act ( FACTA ) : The credit reporting agencies have violated Sections 611, 612, 613, 614, and 615 of the FACTA by reporting multiple incorrect addresses for me, which has caused confusion and inaccuracies in my credit report. Truth in Lending Act ( TILA ) : While this law may not be directly relevant to my case, I believe that I may be entitled to additional protections under the TILA if I have been the victim of identity theft. According to XXXX XXXX XXXX my credit reports from Transunion and XXXX, there are inconsistencies in the dates reported by the creditors. For example, the last verified date, the last activity date, the date reported, and the date opened were all reported differently by Transunion and XXXX for the same account. This discrepancy in information is a clear violation of Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies report accurate information. Additionally, the creditors failed to notify me that they were reporting inaccurate information, which violates Section 623 ( a ) ( 2 ) of the FCRA. I disputed the inaccurate information with the creditors, but they did not inform the credit bureaus of the dispute or provide any necessary corrections. The creditors also violated Section 807 ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ) by using false, deceptive, or misleading representations in connection with the collection of debt. By reporting inaccurate information about my account, the creditors misled me and potential lenders about my creditworthiness. Furthermore, the creditors violated the Truth in Lending Act ( TILA ) by reporting inaccurate information about my payment history. The TILA requires that creditors report accurate information about consumers ' payment history to credit reporting agencies. XXXX XXXX XXXX XXXX to TransUnion. According to TransUnion, I was 30 days late on a payment on XX/XX/XXXX, but I have never missed a payment on this account. This inaccurate reporting has had a significant impact on my credit score, causing me to be denied credit and leading to higher interest rates and fees. The creditor 's misreporting of my payment status is a violation of the Truth in Lending Act ( TILA ), which requires that creditors report accurate information about consumers ' payment history to credit reporting agencies. Additionally, their failure to provide any paperwork is a violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which requires that the consumer reporting agency must notify the consumer of the fact that the information has been disputed by the consumer. This situation has caused me a great deal of stress and frustration. The false information has prevented me from getting the credit I need to finance a new car, which I desperately need for my job. I have been forced to rely on public transportation, which is unreliable and often delays my arrival to work. This has caused me to be reprimanded by my boss and has put my job in jeopardy. I urge you to take action to enforce the laws that have been violated and ensure that creditors like XXXX XXXX XXXX XXXX are held accountable for their actions. I request that the creditor remove this unverified account from my credit report immediately. XXXX XXXX XXXX, account number XXXX. According to all three credit bureaus, I am 30, 90, and 120 days late on payments, but I have not missed any payments on this account. Furthermore, the dates and balances being reported are inconsistent among the three credit bureaus, causing confusion and harm to my credit score. The inaccurate reporting by XXXX XXXX XXXX may be a violation of Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 1 ) ( C ) of the Fair Credit Reporting Act ( FCRA ), which require that consumer reporting agencies report accurate and complete information. Additionally, if XXXX XXXX XXXX is a debt collector, their attempt to collect an incorrect amount may be a violation of Section 807 ( 2 ) ( A ) of the Fair Debt Collection Practices Act ( FDCPA ). XXXX XXXX XXXX XXXX. According to all three credit bureaus, I was late on my payments for this account, but I have not missed any payments. In addition, there are inconsistencies in the reporting of the account type, date of last activity, balance owed, and payment status among the three credit bureaus. I believe that these inconsistencies and inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, the creditors ' reporting of inaccurate information to all three credit bureaus may be a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires that consumer reporting agencies report accurate information. Additionally, the inconsistent reporting of dates and balances among the three credit bureaus may also be a violation of Section 623 ( a ) ( 1 ) ( C ) of the FCRA, which requires that consumer reporting agencies report complete and accurate information. Furthermore, it is possible that the creditor 's reporting of differing payment statuses among the three credit bureaus may be a violation of Section 623 ( a ) ( 1 ) ( B ) of the FCRA, which requires that consumer reporting agencies report the " date of delinquency '' for an account, which is the date on which the account first became delinquent and was not brought current. If the creditor is reporting different payment statuses for the same time period, it could be seen as inconsistent reporting of the date of delinquency. XXXX XXXX XXXX XXXX regarding my account. According to XXXX, the account type is listed as a collection account, and I have never received any paperwork or notification that my account has been sold to a collection agency. This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ). Section 623 ( a ) ( 2 ) of the FCRA requires that all credit reporting agencies report accurate information about a consumer 's credit history. Additionally, under Section 623 ( a ) ( 3 ), the creditor has a duty to provide notice of any delinquencies or collection activities to the consumer, and their failure to do so is also a violation of the FCRA. Furthermore, as a consumer, I have the right to be informed of any debt collection attempts made by the creditor or any collection agency. According to the Fair Debt Collection Practices Act ( FDCPA ), Section 807 ( 11 ), a debt collector must provide written notice within 5 days of the initial communication to the consumer, informing them of the amount of the debt, the name of the creditor, and that the consumer has the right to dispute the debt. However, I have not received any such notice from XXXX XXXX XXXX or any collection agency they may have sold my account to. This inaccurate and incomplete reporting has had a significant impact on my life. As a result of this reporting, my credit score has been negatively affected, making it difficult for me to obtain credit or loans. This has caused a great deal of stress and anxiety in my life, as I have had to turn down opportunities due to my damaged credit. I request that XXXX XXXX XXXX remove this unverified account from my credit report, as it is not accurate and is in violation of both the FCRA and the FDCPA. I also request that they provide me with written notice of any delinquencies or collection activities, as required by law. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST XXXX COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND XXXX EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX : Attorney Generals Office XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency XXXX : Federal Reserve XXXX XXXX : Credit and insurance XXXX : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
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| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : State Regulatory agency XXXX : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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| 05/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To everyone involved in this complaint, I semi-apologize for this complaint which may turn out to be very technical. I will do my best to illustrate my frustration in a way which is neither ambiguous nor lacking cohesion.
To best articulate my plight, I will describe to you the goal I am currently attempting to achieve and what is preventing me from completing that goal. I am currently speaking with XXXX XXXX in an effort to refinance my current home. As of now, I am financing my home at a 4.125 % interest rate and my payment is {$2000.00} a month. Cornerstone has me pre-approved for a 3.125 % interest rate and my payment down to {$1600.00} a month. The monthly payment reduction I would receive is not an insignificant amount of money per month. We are talking over {$4000.00} a year.
Everything seemed to be going smoothly with this refinance until I was in the middle of opening up escrow. For some reason, when XXXX runs my credit, a home equity line of credit I had opened with XXXX XXXX XXXX back in XXXX and closed in XXXX is reporting what I can only describe to you as a glitch. As I said before, this part is going to become very technical. When the loan officer pulls the report, the report has to pass a system check with an automated system called XXXX XXXX. This program is what I would describe to you as a pre-qualification before the potential loan gets moved to an actual underwriter for processing. What I can not explain and neither can anyone involved in this potential refinance loan is why my report is being rejected by XXXX XXXX. The reason being given by the program is the report was 60 or more days past due within the 12 months prior to the day the credit report was pulled. I can clearly say without hesitation and with no doubt that this is simply not true. Not only is it not true because I say it isn't true, but because the report itself being pulled says its not true. If this leaves you confused then you are not alone. I believe this is also an appropriate time to disclose that I am adept at reading credit reports. I can read what mortgage lenders describe as tri-merge reports and differentiate between what is reporting on the account in question and by what bureau.
In this case of the XXXX XXXX XXXX HELOC account, the account is clearly reporting my date of last activity as XX/XX/XXXX and the date of my last late payment on the account as of XX/XX/XXXX. I do understand those dates in of themselves are misreporting on the account but I will choose to ignore those particular pieces of erroneous information as they are mostly irrelevant to what the actual problem and my complaint is for. As stated earlier, XXXX XXXX is stating Trans Union is reporting a 60 day late payment within the last twelve months which is simply not true. To make matters worse, I've tried everything to have this piece of misreported information corrected. I've tried speaking to the loan officer about possibly bypassing what is clearly an error. That is not a possibility as no underwriter will touch the account until it passes the XXXX XXXX check. I have tried calling credit specialists to determine what the nature of this problem is. They described it to me in great detail and advised me of how it can be corrected but I have still had no luck. I've contacted the three credit bureaus directly and individually to have them address the problem by having them remove any 30 day late payments within the last twelve months and they all tell me a variation of the same thing. No late payments within the last twelve months are being reported.
On XX/XX/XXXX I called Trans Union since the XXXX XXXX is saying the problem lay with Trans Union. Trans Union told me on XX/XX/XXXX they had already received a notification from XXXX XXXX XXXX the account balance was zero and the account closed. I assumed that fixed the problem but it didn't. XXXX reran the credit about a week later and the problem persisted. I then decided to call all three credit bureaus just in case and XXXX told me on XX/XX/XXXX the last payment on the account was made on XXXX of XXXX and no late payments have been reported since. XXXX told me on XXXXthe account was reporting a 120 day late payment but this was on XXXX of XXXX. Once again there are no late payments in the last twelve months. Trans Union told me on XX/XX/XXXX the last late payment was in XXXX. All of the credit bureaus are telling me there are no late payments in the last twelve months. Once again I assumed the issue was corrected and once again I was wrong.
When XXXX ran the report the problem STILL PERSISTED. You must forgive me if I become a little belligerent over the next few paragraphs because I was no longer amused as everyone involved was telling me there was no problem with the account and THERE IS NO LATE PAYMENT in the last 12 months. THERE IS NO PAYMENTS AT ALL since XXXX or XXXX depending on the bureau you look at. After more brainstorming with the loan officer, we figure out what the potential issue was. This is where it gets really technical. In the tri-merge report, the XXXX XXXX XXXX account is reporting a " last reporting date '' of XX/XX/XXXX. In this section, the account goes on to show the entire payment history of the account from when it was opened up until the last report entry. It shows the payment history by code. These codes can be a 1 for on time payment, 2 for 30 day late payment, 3 for 60 day late payment, a - for no data, etc. For the XXXX XXXX XXXX account reported by Trans Union, it showed numerous -- -- -- for several years worth of payments. Unfortunately, XXXX XXXX has to take those payments into consideration even without a specific code. Because the last actual entry on this payment history is a 60 day late payment, XXXX XXXX is assuming I have 60 day late payments all the way up until XXXX of XXXX. Because of this I decided to make another call to try and have this problem resolved.
On XX/XX/XXXX I spoke directly with XXXX XXXX XXXX to advise them of my problem. XXXX XXXX XXXX informed me they were not reporting any new payment history since XXXX it was pretty much at this point where I started ripping my hair out. For days I tried to figure out what step to take to solve this RIDICULOUS problem! The next solution my loan officer and credit specialist came up with was to simply dispute the account from the credit report. Once the account is disputed, XXXX XXXX will no longer pick up the account and we can proceed with the loan. I called XXXX XXXX Servicing today to try and dispute the account but they are now telling me they are " still updating the account status and if I wanted to get the dispute done I would have to do it in writing and submit it to XXXX XXXX XXXX XXXX COLORADO XXXX. ACCOUNT # XXXX. No sir! I am done. If I am going to spend any more time on this account it is to file this complaint with your agency against XXXX XXXX XXXX and Trans Union.
I do not care it its right or wrong. I do not care if its not their intention or if it is. I do not care if this is simply a glitch. The bottom line is this error is costing me my interest rate on a refinance I am attempting to get done. This refinance is not being stopped because of my income, my debt, my credit score, or any list of hindrances which prevent people from qualifying for a loan such as employment history, tax history, fund verifications, public record searches, or the plethora of other reasons as to a denial of a loan. This refinance is being stopped because of a misreporting or a glitch either on Trans Union or XXXX XXXX XXXX 's part for this account. You don't have to take my word for it. The radio, news, lenders, advertisements, and numerous sources of information are telling people the interest rates on mortgages are increasing again. From XX/XX/XXXX of this year until now the average interest rate for a 30 year loan has increased from a 2.8836 % to a 3.0737 %. This problem is COSTING ME TIME AND MONEY! At this point I am now placing the blame on Trans Union and XXXX XXXX XXXX. If I have to, I will sue them both. And since they can't see to agree that there is a problem, nor can they competently fix the problem for me, I demand they simply remove this account from my report so I can proceed with my home loan.
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| 09/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Older American |
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XX/XX/XXXX Consumer Financial Protection Bureau ( CFPB ) Attn : Complaint Submittals Re : Requesting Complete Deletion of a XXXX Credit Card Account from All My Credit Reports To Whom It May Concern : Despite my repeated attempts over a past year period, requesting issuer XXXX to delete my former credit card account # XXXX and debt from all my credit reports ; it has refused to do so. This closed account and its transferred debt has remained falsely in my name since XX/XX/XXXX and is causing diminishment to my financial creditworthiness and personal integrity. Overall, a continual negative bias towards me in any future business-related opportunities that may arise. Lengthening my injuries further, my most recent documented evidence presented to XXXX and the credit reporting bureaus in this matter have only caused XXXX to now designate me as a write-off in my credit reports. I am desperately requesting CFPB to please intervene on my behalf to resolve this matter. Because as a fraud representative of the TransUnion Credit Bureau ( TU ) informed me as paraphrased. Your claim of credit report fraud/inaccuracy ( TU fraud XXXX # XXXX ) by XXXX, or regarding any creditor for that matter, that may exist in any consumers credit reports can not be deleted by a credit reporting bureau arbitrarily without XXXX or a creditors expressed permission to do so ; despite any evidence presented to the contrary. Understand? Before his remarks and my considerable efforts thus far ; I had thought that credit bureau reports were based on impartial accounting records of legitimate and documented facts -- period. So, I am herein offering again, the following detailed explanations with attached official records but now to CFPB directly ; with sincere hope that it has the power and if it finds what I am requesting herein both factual and reasonable. It will thereby cause the deletion of this bogus XXXX debt, account and or charge-offs completely from all my credit reports. Or at the very least, explain to me in writing for what reason ( XXXX ) it can not fulfill my request. I want to understand!
My debt obligation to XXXX et al., was transferred in a Divorce Decree dated XX/XX/XXXX. And XXXX and other accounts were closed by me personally after that date before I moved to XXXX. And I have had no business relationship or contacts with XXXX after moving to XXXX XXXX. I began reviewing and inquiring into my credit reports in the summer of XXXX. Prior to that year, I had been personally addressing my known legal creditor obligations via emails and mailings without credit bureau report use. XXXX XXXX had displayed a credit score for me at XXXX in XXXX but today its XXXX. And although my former wifes payments were logically applied firstly to my pre-divorce XXXX debt as so Ordered by the XXXX XXXX. She alone, was accountable for that debt and with XXXX assistance further assumed continual use of my former but closed account.
My former wife graduated from one of the most prestigious XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and later from the XXXX XXXX XXXX a four-year college ; each awarding her High Academic Honors of record. And throughout our marriage she never had or wanted to maintain full time jobs with benefits, opting instead to do part time or contractual work when so desirous. She was a very intelligent and capable individual. From our discussions before divorce, I knew exactly what accounts in my name she wanted to continue using. After our divorce and before relocating to XXXX, I told her that I had gone to several local stores and closed accounts in my name but was told by them that she would have to re-apply to put my closed accounts in her name. And she already knew she was legally responsible for some debts. My suspicions, she did just that; but was rebuked in her attempts to do so by certain creditors probably based on gender, housewife status and or employment related rationales by some creditors computer program analysis. Therefore, she then asked or was offered continual use of my account in my name. That was a XXXX decision alone but not mine! The irony, as my XXXX credit bureau reports indicate, she had honored consistently their mutually beneficial verbal deal for approximately XXXX years ; seemingly without her and XXXX having any written contractual agreement between themselves to abide by?
To date, I have communicated with XXXX via numerous phone calls and provided it with postal certified mailings with evidence that my claims made here are factually truthful. In that I am not responsible or liable for maintaining any credit account or debt obligations past or present with XXXX. Its latest verbal assertion : I am a co-signor or guarantor to her XXXX account. That is patently false and absurd, given our XXXX XXXX declares exactly what and how our mutually agreed upon divisions of assets and liabilities after 42 years of marriage were divided and assigned to each of us. Furthermore, my pre-divorce XXXX XXXX credit card debt was also transferred to her via our XXXX XXXX. I believe she made her payments and charges to that account by the same XXXX scenario. This must be a common practice with some creditors? However, her XXXX XXXX debt and account under my name were finally deleted from my TU report. Though again, she was not personally account eligible ; but keeping her business patronize sure was!
Writing this letter has been very discomforting on several levels for me, in that my former wife died from XXXX on XX/XX/XXXX. Before our divorce was finalized my wife and I were both keenly aware of our individual property rights and obligations as well as how our divorce decisions would impact the financial interests of others. Our divorce settlement was not fashioned by The Court ; rather we prescribed the particulars, and it sanctioned them. XXXX a sworn, legal, and properly executed public document pertaining to all parties holding specific interests in such matters. This concludes my explanation for needing the CFPBs help. And hopefully, the following uploaded official records will further support complete deletion to all references past and present of a XXXX account from all my credit reports. Also, for future assurances to avoid the obvious workload forced on me by their errors. Maybe XXXX as well as XXXX XXXX should remove me completely from all their internal files? Im hoping to relocate ASAP with accurate credit reports in toll and dont wish to revisit and explain these same issuesEver Again to Anyone!
Copies of ten official records marked in the numerated sequence below are uploaded : 1. Pertinent pages of Divorce Decree regarding the XXXX account and others ( 2 pages ) 2. Page 5 dated XX/XX/XXXX of my TU Report : Wherein XXXX payments are Rated as OK from XX/XX/XXXX to XX/XX/XXXX 3. Page 5 dated XX/XX/XXXX of my TU Report : Note the changes in XXXX record?
4. My current XXXX drivers license issued XX/XX/XXXX XXXX. A XXXX bill ( XX/XX/XXXX ) in my name but not sent to my correct mailing address. Before our divorce was finalized, my wife had already moved from our XXXX XXXX home to live with her parents at XXXX XXXX XXXX -- where Ive never resided. Upon vacating our former XXXX house for the new owner ; I immediately moved to XXXX, XXXX, temporarily living with relatives until eventually moving to my current XXXX, XXXX address.
XXXX. XXXX first written response ( XX/XX/XXXX ) to me in XXXX ; prompted by my written dispute mailed to it 7. XXXX first bill ( XX/XX/XXXX ) in my name after divorce that was mailed to my correct address in GA XXXX. A XXXX XXXX bill ( XX/XX/XXXX ) in my name but not sent to my correct mailing address. And I have never received any written correspondences from them while residing in XXXX 9. Former wifes Death Certificate 10. A recent letter from TU stating that I may ; provide TransUnion. a valid copy of a Conservator/Executor of Estate document which authorizes me as a person entitled to manage the deceased consumers affairs. No such document type existed prior to or will after her death. Nor was she or just any creditor related business entity granted any permissions by me to use my identity after Divorce to perpetuate their own motives!
Your further consideration is very much appreciated!
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| 07/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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At the end of XXXX around the XXXX or XXXX, I began receiving telephone calls from a collection company called XXXX XXXX XXXX XXXX. I initially thought this was a scam since I knew I did not owe anyone any money. I also knew that this was not legitimate because the messages were left for a XXXXX XXXXX. I have not been known by XXXXX XXXXXT since XXXX.
The company persisted and continued to call my telephone number. On XX/XX/XXXX, I called the company to ask them what this was about. The male collector proceeded to tell me that I owed money in the amount of {$940.00} from XXXX. I advised them that this was a mistake and that I do not owe XXXX any money. He proceeded to tell me that this was from several years ago. I told him that all of my debts had been paid and that any collection paid long ago should not be on my credit report. This is when he advised me that XXXX XXXX XXXX XXXX proceeded to put this erroneous debt on my credit report without first contacting me to verify. I argued with him the statute of limitation, but he felt he knew more than I did and stated that he was within his statute of limitations ( this was not correct ). I then advised him that I would review my records and contact him back shortly.
In the past, I was not a good steward of my finances and after filing Bankruptcy in XXXX, I ended up in the same position again several years later. Many of these new creditors went unpaid for many months until I was able to refinance my house, pull cash out in XXXX, and pay off the creditors. One of these creditors that was settled in XXXX was XXXX by way of XXXX XXXX XXXX XXXX. Because the financial institution who lent me the money in XXXX XXXX XXXX XXXX required proof that the collections had been paid, I had to obtain several documents from multiple collection agencies and creditors to provide to XXXX. XXXX was in this batch of documentation. Because I have been scanning all my documentation into my computer to eliminate paper, all of these documents remain in my computer files.
After quickly locating proof that this debt was paid in XXXX, I proceeded to contact XXXX XXXX XXXX XXXX to advise them of the discrepancy. I spoke to a different male collector, and he then gave me an email address where to send the proof. He advised that once it was received, they would send a message to Transunion to remove the erroneous debt. The proof was emailed on XX/XX/XXXX.
On or around XX/XX/XXXX, I reached out to XXXX XXXX XXXX XXXX to ensure the email was received and that the erroneous collection was being removed from my credit report. I spoke to the same male collector again and he advised that they received the documentation and that his manager sent a request to Transunion to have the erroneous debt removed. He also proceeded to advise that he will send it again just in case they did not receive it. Because of the lack of confidence I had in this company, I went to the Transunion website and filed a dispute for the XXXXXXXX XXXX XXXX XXXX tradeline on XX/XX/XXXX. I retrieved my credit report and saw the date that was listed as first opened, which was XX/XX/XXXX. I am sure this date was used to confuse Transunion into believing this was a more recent debt that it truly was. But it was obvious Transunion did not verify this information first.
After emailing this proof and advising XXXX XXXX XXXX XXXX to cease and desist telephone calls, I continued to receive multiple telephone calls from XXXX XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
On XX/XX/XXXX, I checked on the dispute from Transunion and noticed it was not removed, but only updated to settled with a removal date in XXXX. At this point, I was terribly upset and disappointed in the lack of ethics and integrity from Transunion and XXXX XXXX XXXX XXXX. Since both companies were not acting in good faith of the consumer, all confidence in Transunions systems and processes was lost.
I contacted Transunion via their customer service telephone number on XX/XX/XXXX. I was able to speak with one of their Customer Service Representatives and I began to explain the situation and that the erroneous debt should have been removed per my dispute and documented proof. The Customer Service Rep advised that they could not remove it, that XXXX XXXX XXXX XXXX would need to remove it. I advised her that XXXX XXXX XXXX XXXX sent in electronic correspondence that the debt should be removed, and they needed to check their records. The Transunion representative advised that they do not have any record of this information from XXXX XXXX XXXX XXXX and that I needed to contact them back. She also stated that she would put in another dispute request.
At this point, being frustrated was an understatement. I contacted XXXX XXXX XXXX XXXX again on XX/XX/XXXX to advise them of the conversation with Transunion. The male collector ( same person I initially spoke to ) proceeded to tell me that an electronic message was sent to Transunion to have the debt removed and that he would send the transmission again. He then stated if they do not update it in 10 days, to call XXXX XXXX XXXX XXXX back and they would call Transunion to have it updated.
At this point, I decided to submit another dispute to Transunion. Their electronic message advised me that I already disputed this transaction and that I could not dispute it again. Unsure of how Transunion processes and procedures work, I decided to do it the old fashion way and send a letter to Transunion disputing the tradeline. In the letter, I included important statute of limitation dates, a credit report from XXXX, and proof of settlement in XXXX to show the statute of limitations was well past. This letter was certified mailed on XX/XX/XXXX to XXXX XXXX XXXX XXXX, CFPB, and Transunion.
I received additional calls from XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. Then I received a correspondence from Transunion on XX/XX/XXXX showing the disputed tradeline was not removed but only updated, which prompted me to seek legal advice.
This is an unfortunate situation that consumers find themselves in many times due to the bad faith of collection agencies and the faulty procedures and processes of the credit reporting bureaus. This is unacceptable and deserves immediate attention from regulatory agencies. I believe the collection agency, XXXX XXXX XXXX XXXX, knowingly purchased old charged off debt for pennies on the dollar in hopes to grab the low hanging fruit, and also play on the fact that many people may not have the necessary information to prove a debt was paid off or settled because the issue was resolved many years over the statute of limitations. To further exaggerate this issue, XXXX XXXX XXXX XXXX knowingly and in bad faith, submits the old debt to Transunion, in hopes to get the consumer to contact them to pay the old debt. It is further unfortunate that XXXX XXXX XXXX XXXX submits the old debt to the credit reporting agencies, ignoring all statute of limitations, without first making contact with the consumer. This is deliberate, calculated, and egregious. If the debt was never paid, then the collection agency has the right to engage in capitalism to obtain payment while adhering to CFPB and government standards, protocols, and regulations. I do not believe this happened in my case.
Damages Besides the harassing telephone calls from XXXX XXXX XXXX XXXX, I have spent too much time and unnecessary effort to prove a debt was paid that should have already been known and in my records at the credit reporting agencies. In early XXXX, I was going to refinance my mortgage for a lower interest rate since my credit score increased. XXXX XXXX XXXX XXXX and Transunion has made it impossible for me to do this because the rate I would receive would not be a rate for someone with a credit score above XXXX since my Transunion score dropped XXXX points after XXXX XXXX XXXX XXXX erroneous submission. This is a calculated loss of a savings of over {$100.00} per month on my mortgage payment ( or {$36000.00} with a 30 year mortgage ), not to mention the ability to be able to take advantage of better credit cards with more benefits, rewards, and lower rates.
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| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX is not an verified account it is reporting to my credit reports per US 15 1692.g The debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt five days after the initial communication, the following information must be sent to the consumer in written form : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and I dont recognize this account it is reporting on my credit I dont recognize the the account number I dont recognize the account status I don't recognize the account balance I dont recognize the late payments associated with this account and everything reported here does not meet the FCRA you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the Metro 2 data field for-matted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse re-marks : DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your alle-gations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence ade-quately validated claims. this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evi-dence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as relat-ed to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAW-FUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED com-pliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature in-disputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit re-ports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete re-porting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allega-tion of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your sub-mission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE en-try. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a chal-lenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of XXXX XXXXXXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA , my States credit reporting codes or else wise to include the requisites to have on-ly true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibil-ity to this account of MINE, however if you are unable or unwilling to present the mandated prova-ble documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative as-pects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate re-porting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subter-fuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. In genuine sincerity, XXXX XXXX
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| 12/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself.
Who is going to govern these agencies?
By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXXXXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX - XXXX - Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the accordance with the written instructions of the consumer to whom it relates- THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX XXXX XXXXXXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once.
Trans Union, XXXX, and XXXX have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
|
| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; On XX/XX/XXXX, XXXX XXXX sent me a letter confirming this inaccurate and unfair account being reported on my consumer would be removed within four to six weeks ( See Attached Document ). However, XXXX, XXXX and Transunion are still reporting this item on my report. I DEMAND XXXX XXXX to uphold their actions to remove this account from my consumer report as they expressed they would on XX/XX/XXXX.
This is NOT a validation request so do not send any validation, if you do I will TAKE LEGAL ACTION AGAINST YOUR COMPANY under the FDCPA for false and misleading representation 15 USC 1692e. I will take legal action under the FDCPA 15 USC 1692k ( a ) ( 1 ) ( A ) {$1000.00} US and I only need to show one violation to establish a FDCPA claim. See XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Civil No. XXXX ( EEB ) ( D.Conn. XXXX XXXX, XXXX ) ; XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX, XXXX ( XXXX XXXX XXXX gave no value to any security and have no attachment and enforceability of a secured interest in accordance with UCC XXXX XXXX XXXX b ) ; XXXX XXXX have no original contract or promissory note ; FOR THE RECORD, Summary of accounts are not a valid claim to defame my character, if I am denied credit or employment based on third parties misleading representation and defaming negligence will be a cause of action. See United States XXXX XXXX XXXX, XXXX XXXX, Case No. XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX. XXXX XXXX have committed several federal violations against me, a private law abiding Federally Protected XXXX. Each violation is a statutory cost of {$1000.00} each, which does not include mv personal cost and fees which I determined for taking time to address these issues. Violations committed against me include but not limited to : Violated 15 USC 1692c ( a ) : Communication Without prior consent, expressed permission Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission Violated 15 USC 1692d ; Harass and oppressive use of intercourse about an alleged debt. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to XXXX XXXX. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe XXXX XXXX a debt ) Violated 15 USC 1692e ; Using false, deceptive or misleading representations Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation Violated 15 USC 1692e ( 8 ) ; Communicating false information Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) Violated 15 USC 1692f ; Unfair Practices attempting to collect alleged debt. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties. Violated 15 USC 1692g ( a ) ( 4 ) Certiable Validation and Verication of alleged debt ( XXXX ) Violated XXXX XXXX XXXX ( a, b ) ; Furnishing certain deceptive forms. ( XXXX XXXX are not a party in the alleged debt ) IDENTITY THIEF ; obtaining personal identication information without prior consent and creating an account in my name without my knowledge. Invasion or Individual and Family Privacy. SOCIAL SECURITY FRAUD A Social Security Number ( SSN ) is used by employers and employees for the purpose of reporting individual employee earnings for tax purposes only. XXXX XXXX, you DO NOT have my CONSENT to use my social security number for commercial gain acting as XXXX of my services, you are committing fraud and Identity theft and I will contact the ofce of Inspector General XXXX and XXXX XXXX report with the federal authorities. I demand XXXX XXXX provide the following documents immediately if you continue to use the ction name for your entitys personal commercial gain then ; Send a copy of XXXX XXXX Commercial Bond and Oaths to do business in the State of CALIFORNIA ; provide name and address and phone number of the Underwriter of XXXX XXXX bonds ; provide name, address, and phone numbers of the owner ( XXXX ) of XXXX XXXX ; Provide name, address and phone number of XXXX XXXX XXXX XXXX. Furthermore, reporting false and misleading report to the XXXX major credit bureaus and will constitute a violation of the FCRA Responsibilities of furnishers of information to consumer reporting agencies under 15 U.S. Code 1681s2 ( B ) ( i ) ( ii ) Reporting information after notice and conrmation of errors. Any more harassment from this company will be considered criminal extortion in accordance with 18 U.S. Code 875 ( d ) Extortion. Congress DOES NOT dene loan, but it does dene credit. So what is credit a loan? When the credit law used to dene credit does not dene loan. Reference Case Law - Pacic Concrete F.C.U v. XXXX. - XXXX ruled, stating that a copy of a consumer credit contract is not evidence of debt. It is evidence that credit was extended. XXXX XXXX took my credit and acquired a loan. That is identity theft! The credit application was not a loan application. My credit extension was in connection to a loan, it does not mean I got a loan. The credit agreement signed is not evidence of debt. I came for credit and XXXX XXXX tricked me into leaving with a debt that was never mine to begin with. XXXX XXXX then unfairly without my written or oral consent, started furnishing information on my consumer report with no authority to do so. XXXX XXXX sold my private and personal information to third party companies ( XXXX ; XXXX ; Transunion which are only an elaborate mechanisms ) for monetary fees as described in 15 USC 1681a ( d ) ( 3 ) ( f ) What is a consumer report? Congress tells us in 15 USC 1681a - The expression consumer report encompasses all forms of written, oral, or other modes of communication from a consumer reporting agency that shed light on a consumer 's credit standing, nancial stability, credit capacity, reputation, personal characteristics, or way of life. The purpose of this information is to aid in the determination of the consumer 's eligibility for credit or other services. The moment XXXX XXXX furnished a report on my consumer report, they fell under the denition of a consumer reporting agency. Anyone talking about me is a consumer report. You're defaming my character. Since a consumer report can be oral, I am speaking for myself on my own behalf, I am assuming that vital role as a creditor and I am telling you I do not owe or acquired any debt by XXXX XXXX, I acquired an extension of my credit. 15 USC 1681a ( 2 ) ( a ) ( i ) Exclusions- A report that consists exclusively of information regarding a consumer 's interactions and experiences with the entity providing the report, which means that you XXXX XXXX can not furnish such information about my experiences with you, including any alleged credit extension, that may be in connection to a loan, to a debt you XXXX XXXX acquired. 15 USC 1681a ( 2 ) ( b ) Exclusions- Any express or implied permission for a particular loan or credit granted directly or indirectly by the issuer of a credit card or similar device. Well, what is a credit card? Congress tells us in 15 USC 1602 ( L ) that a credit card is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. So, another example of a credit card is my social security number. With all these violations listed and fraud found I may start the administrative process. However, I will give you XXXX XXXX the ability to settle out of court or you will be held liable for all damages. Conduct yourselves accordingly. XXXX XXXX XXXX XXXX.
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| 10/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX DOB : XXXX SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC Attorney Generals Office in your state and Mine Thank you, XXXX XXXX
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| 06/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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The information and dates are inaccurate, I have many issues on my Trans Union XXXX and XXXX reports, I have disputes many times, all of them have got no response or just a regular decline decision, I have called and spoke to supervisors of the companies and they have not made any steps to investigation and helping resolving these issues, I need help, for years these inaccuracies have put my livelihood and career in drastic turmoil, I just had a child and I need my credit reflect who I am and what I am working toward, and I have got no help, Ive filed many disputes and made many long waited phone calls and I have received no help and no answers, https : XXXX.
A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies ( such as agencies that sell information about check writing histories, medical records, and rental history records ). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to : Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment or to take another adverse action against you must tell you, and must give you the name, address, and phone number of the agency that provided the information.
You have the right to know what is in your file. You may request and obtain all the information about you in the files of a consumer reporting agency ( your file disclosure ). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if : a person has taken adverse action against you because of information in your credit report ; you are the victim of identity theft and place a fraud alert in your file ; your file contains inaccurate information as a result of fraud ; you are on public assistance ; you are unemployed but expect to apply for employment within 60 days.
In addition, all consumers are entitled to one free disclosure every 12 months upon request from each XXXX credit bureau and from XXXX XXXX consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.
You have the right to ask for a credit score. Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.
Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need -- usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more information, go to www.consumerfinance.gov/learnmore.
You many limit prescreened offers of credit and insurance you get based on information in your credit report. Unsolicited prescreened offers for credit and insurance must include a toll-free phone number you can call if you choose to remove your name and address from the lists these offers are based on. You may opt out with the nationwide credit bureaus at XXXX ( XXXX ).
You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and XXXX XXXX military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact : TYPE OF BUSINESS : CONTACT : 1.a. Banks, savings associations, and credit unions with total assets of over {$10.00} XXXX and their affiliates b. Such affiliates that are not banks, savings associations, or credit unions also should list, a. Consumer Financial Protection Bureau 1700 G Street, N.W.
Washington , DC 20552 b. Federal Trade Commission : Consumer Response Center FCRA in addition to the CFPB : Washington, DC 20580 ( XXXX ) XXXX XXXX. To the extent not included in item 1 above : a. National banks, federal savings associations, and federal branches and federal agencies of foreign banks b. State member banks, branches and agencies of foreign banks ( other than federal branches, federal agencies, and Insured State Branches of Foreign Banks ), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act c. Nonmember Insured Banks, Insured State Branches of Foreign Banks, and insured state savings associations d. Federal Credit Unions a. Office of the Comptroller of the Currency Customer Assistance Group 130XXXX XXXX XXXX, Suite XXXX XXXX, TX XXXX b. Federal Reserve Consumer Help Center XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX FDIC XXXX XXXX XXXX XXXX XXXX XXXX, Box # XXXX Kansas XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Division of Consumer Compliance and Outreach ( XXXX ) XXXX XXXX XXXX XXXX, VA XXXX XXXX. Air carriers Asst. XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Transportation XXXX New XXXX XXXX, XXXX. Washington, DC XXXX XXXX. Creditors Subject to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Department of Transportation XXXX XXXX XXXX, XXXX.
Washington, DC XXXX XXXX. Creditors Subject to the Packers and Stockyards XXXX, 1921 XXXX. Brokers and XXXX XXXX XXXX XXXX XXXX XXXXXXXX area supervisor Securities and Exchange Commission XXXX XXXX XXXX, XXXX.
XXXX. Small Business Investment Companies Associate Deputy XXXX for Capital Access United States Small Business Administration XXXX XXXX XXXX, XXXX, XXXX XXXX Washington XXXX DC XXXX Washington, DC XXXX XXXX. Federal Land Banks, Federal Land Bank Associations, Federal Intermediate Credit Banks, and Production Credit Associations Farm Credit Administration XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which the creditor operates or Federal Trade Commission : Consumer Response Center FCRA Washington, DC XXXX ( XXXX ) XXXX
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| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
13. XXXX XXXX XXXXT Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
14. XXXX XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
15. XXXX XXXXL Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
16. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
17. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
18. XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
19. XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
20. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
21. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
22. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
23. XXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
24. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
25. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXXXXXX XXXX XXXX XXXX is not an verified account it is reporting to my credit reports per XXXX XXXX XXXX The debt collector must provide the consumer with certain basic information. If that information was not in the initial communication and if the consumer has not paid the debt XXXX days after the initial communication, the following information must be sent to the consumer in written form : The amount of the debt ; The name of the creditor to whom the debt is owed ; Notice that the consumer has 30 days to dispute the debt before it is assumed to be valid ; Notice that upon such written dispute, the debt collector will send the consumer a verification of the debt or a copy of any judgment ; and I dont recognize this account it is reporting on my credit I dont recognize the the account number I dont recognize the account status I don't recognize the account balance I dont recognize the late payments associated with this account and everything reported here does not meet the FCRA you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field for-matted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse re-marks : DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your alle-gations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence ade-quately validated claims. this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evi-dence of you complete and irrefutably accurate and appropriate Metro XXXX COMPLIANCE as relat-ed to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAW-FUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RE-SPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( XXXX ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED com-pliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature in-disputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit re-ports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete re-porting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allega-tion of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your sub-mission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE en-try. Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a chal-lenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA XXXX my States credit reporting codes or else wise to include the requisites to have on-ly true, correct, and complete recordings in utilization of the XXXX XXXX data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibil-ity to this account of MINE, however if you are unable or unwilling to present the mandated prova-ble documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative as-pects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate re-porting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subter-fuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one. In genuine sincerity, XXXX XXXX
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| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 8. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 9. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 10. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 11. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 12. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Date of inquiry : XX/XX/XXXX Delete Immediately 13. 15 U.S. Code 1681b XXXX XXXX Account Number : XXXX 14. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXXXXXX Account Number : XXXX Delete Immediately 15. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account XXXX : XXXX Delete Immediately 16. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 17. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 18. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 19. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 20. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX Account Number : XXXX Delete Immediately 21. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX XXXXXXXX Account Number : XXXX Delete Immediately 22. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX XXXX Account Number : XXXX Delete Immediately 23. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXXXXXX XXXX Account Number : XXXX Delete Immediately 24. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX Account Number : XXXX Delete Immediately 25. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX Account Number : XXXX Delete Immediately 26. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 27. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 28. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 29. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXX Account Number : XXXX Delete Immediately 30. 15 U.S. Code 1681b - Permissible purposes of consumer reports. I never gave you Written consent to furnish this information on my credit report. Please remove XXXX XXXXXXXX XXXX Account Number : XXXX Delete Immediately 31. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX XXXX Account Number : XXXX Delete Immediately 32. 15 U.S. Code 1681i - Procedure in case of disputed accuracy. This account is showing major errors XXXX XXXX Account Number : XXXX Delete Immediately, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681 - Congressional findings and statement of purpose States : ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer from receiving such communication.
15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
I have sent numerous letters by mail and have not heard anything back. I have seen updates on my credit report in the comments that the accounts have been disputed and dispute resolved. But how can an account with inaccurate information still reporting be resolved by law!
I have provided screen shots of the inaccurate information and request that this gets updated immediately! I also provided you with a my Government issued Id so this issue will not be delayed. Thank you.
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| 09/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activated is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights.
In accordance with the Fair Credit Reporting act XXXX, XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX ( CLOSED ), Account Number XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX XXXX DEPT OF ED/XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, DEPT OF EDXXXX XXXX XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, DEPT OF EDXXXX, XXXX XXXX, XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX XXXX CLOSED XXXX XXXX XXXX XXXX, XXXX XXXX ( CLOSED XXXX XXXX XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATIONXXXX ( CLOSED ), XXXX XXXX, DEPARTMENT OF EDUCATION/XXXX/ ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX, XXXX XXXX XXXX ( CLOSED ), XXXX XXXX,, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me.
According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want one thousand per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ) The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activited is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights.
In accordance with the Fair Credit Reporting act XXXX, Account Name XXXX XXXXXXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATIONXXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name DEPT OF EDUCATIONXXXX, Account Number XXXX, Account Name DEPT OF EDUCATION/XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXXXXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX, Account Name XXXXXXXX XXXX Account Number XXXX, Account Name SXXXX XXXX, Account Number XXXX, Account Name XXXX XXXX Account Number XXXX, Account Name XXXX Account Number XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me.
According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want one thousand per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ) The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last activited is inaccurate, and date last reported is not accurate. This is grounds removal they also violated my rights.
In accordance with the Fair Credit Reporting act Transunion Report, Account Name XXXX XXXXXXXX, Account Number XXXX, Account Name XXXX XXXX, Account Number XXXX, Account Name XXXX XXXX XXXX, Account Number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPARTMENT OF EDUCATION/XXXX**** DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATIONXXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATION/XXXX DEPARTMENT OF EDUCATIONXXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXX XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation they never replayed to me.
According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of failure or damages of not less than {$100.00} and not more than {$1000.00}. I want one thousand per violation has violated my rights. 15 USC 1681 Section 602 States I Have The right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account with out my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
numerous violations of 15 usc 1692 e ( 10 ), ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 )
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| 01/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX is attempting to collect an alleged debt for a credit account I formerly held with XXXX XXXX XXXX. After further research of the laws afforded to me as a federally protected person, XXXX ( a non-affiliate ) and XXXX XXXXXXXX XXXX violated the laws, as afforded to me through federal and state law, for improperly reporting my credit account to the three Credit Reporting Agencies ( CRAs ), [ XXXX ( a non-affiliate ), XXXX ( a non-affiliate ), and TransUnion ( a non-affiliate ) ] ; sharing/selling my personal information to and from XXXX XXXX XXXX XXXX XXXX, and the CRAs ( non-affiliates ) without my expressed written consent ; engaging in misrepresentation of facts and abusive practices by alleging and communicating to me that a debt was owed to XXXX on behalf of XXXX XXXX XXXX when in fact XXXX willingly and knowingly purchased the debt from XXXX XXXX XXXX thus nullifying any alleged debt to XXXX XXXX XXXX XXXX and, damaging my credit reports, credit files, credit scores, and credit reporting history by reporting this alleged debt to the CRAs. This also misrepresented my creditworthiness and caused me financial and material damages as it prevented me from obtaining a more favorable credit rating ultimately resulting in me being denied credit, having a lower available credit line, and/or having a higher interest rate on certain lines of credit. The specific violations of law committed by XXXX and XXXX XXXXXXXX XXXX are, but are not limited to : The Privacy Act of 1974 and 15 USC 1681 ( 4 ) which states that I have the right to privacy. XXXX which was published on the CFPB website based on their investigation and findings of GROSS negligence and violations of consumers rights by consumer reporting agencies, persons, entities, and other business companies and organizations whose regular business is to contract with consumers. 15 USC 1681 which states that there must be a permissible purpose for this information to be shared 15 USC 1681a which provides for the definitions and rules of construction where specifically subsection ( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title...
Both XXXX XXXX XXXX and XXXX failed to meet and/or adhere to any of these definitions and violated my federally protected rights when they engaged in a monetary transaction to buy and sell my personal and financial information. 15 USC 1681b which states that there must exist a permissible purpose and that ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Neither XXXX XXXX XXXX nor XXXX obtained my written instructions. 15 U.S. Code 1681q - Obtaining information under false pretenses. XXXX obtained my personal information under false pretenses and/or stole my information from XXXX XXXX XXXX XXXX and/or XXXX XXXX XXXX was negligent in protecting my personal information. This also means that either XXXX XXXX XXXX and/or XXXX is in violation of 15 USC 1681r , which is punishable by a fine under title 18 and/or no more than 2 years in prison.! 5 USC 1681 s-3 affiliate sharing. XXXX XXXXXXXX XXXX, the CRAs, and XXXX have all violated these codes as XXXX and the CRAs are all defined as " non-affiliates '' to XXXX XXXX XXXX, and XXXXne another. None of these companies have/had the legal right to share/sell my information and violated this code. 15 USC 1692b Acquisition of location, under abusive debt practices, states Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 4 ) not communicate by post card ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. XXXX did violate this code by committing these acts. XXXX also violated 15 USC 1692c ( a ) Communication with the consumer which states that generally, Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt ( b ) Communication with third parties which states ; Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. XXXX ( a non-affiliate ) violated this code when it reported, to the CRAs, my alleged debt with XXXX XXXX XXXX negatively affecting my credit score and overall creditworthiness. XXXX violated 15 U.S. Code 1692e and 15 USC 1681q- False or misleading representations by communicating that they had the legal right to collect any alleged debt on behalf of XXXX XXXX XXXX XXXX XXXX also violated this code by asserting that a debt was still owed to XXXX XXXX XXXX, when in fact XXXX purchased the debt making the debt owed to XXXX XXXX XXXX " void '', " cancelled '', " redeemed '', and/or otherwise " paid in full ''. I had/have no contractual obligation to XXXX and have not, nor am currently engaged in any financial or other transaction with XXXX. Thus XXXX falsely and misleadingly attempted to construct a contract where none existed. XXXX 's purchase of the debt also effectively made it income according to federal law. Thus, XXXX is in violation of not providing me a 1099C to reflect that income. Due to these numerous violations of my federally protected rights, I am seeking federal and state remedies afforded to me under the governing laws and codes against the aforementioned companies.
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| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to dispute the information that has been reported on my credit report by your agency. The information in question is inaccurate and has caused significant harm to my financial and personal life.
According to the Fair Credit Reporting Act ( FCRA ) - Sections 1681e ( b ) and 1681i ( a ), credit reporting agencies are required to follow reasonable procedures to ensure the accuracy of the information they report, as well as to investigate and correct inaccurate information on a consumer 's credit report when the consumer disputes it.
Similarly, the Fair and Accurate Credit Transactions Act ( FACTA ) - Sections 611 ( a ) and 623 ( a ) ( 8 ) require credit reporting agencies to provide consumers with a free annual credit report and to promptly correct inaccurate or incomplete information on their credit reports upon request.
I am writing to specifically address the inaccurate reporting of my current address. My current address is XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX, yet your agency has reported several other addresses that are not associated with me, including XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX
Despite my repeated attempts to correct this information, your agency has failed to investigate and correct it. This has resulted in my being denied credit, loans, and even suitable housing. The emotional and financial distress that this has caused can not be overstated.
I am requesting that you enforce the legal provisions outlined above and take immediate action to remove the inaccurate addresses from my credit report. Additionally, I would appreciate receiving a free copy of my credit report, as required by law, to ensure that this information has been corrected.
XXXX XXXXXXXX XXXX XXXXXXXX According to XXXX, I was 90 days late on my account with them, but I have never missed a payment on this account.
This inaccurate information has had a significant negative impact on my credit score and my ability to obtain credit. As a result, I have been denied credit and loans that I would otherwise have been approved for. This has caused a great deal of stress and XXXX for me, as I am struggling to make ends meet and support my family.
Based on the details I have provided, it appears that XXXX XXXXXXXX XXXX violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by providing inaccurate information to XXXX about my payment history. This section requires furnishers of information to consumer reporting agencies to provide accurate and complete information regarding a consumer 's credit account.
XXXX XXXX has reported to TransUnion and XXXX regarding my credit account. Based on the details I have provided, it appears that XXXX has violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by failing to provide accurate and complete information.
XXXX has reported inconsistent dates to both TransUnion and XXXX. According to TransUnion, the last verified date was reported as XX/XX/XXXX, while XXXX did not report it at all. The date of last activity was reported as XX/XX/XXXX by TransUnion, while XXXX reported it as XX/XX/XXXX. Additionally, TransUnion reported the date reported as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX.
These inconsistent and inaccurate reports have had a severe impact on my credit score and ability to obtain credit. I have had to pay higher interest rates, which have resulted in me paying more for my loans and credit cards. This has caused a significant financial burden on my family and me.
XXXXXXXX XXXX XXXXXXXX XXXX has reported to XXXX regarding my account. According to XXXX, I was 90 days late on my payments, but I have not missed any payments on this account. Additionally, the payment status reported is a repossession, which is completely false.
As a result of these inaccurate reports, my credit score has been negatively impacted, making it difficult for me to obtain credit and resulting in higher interest rates. This has caused a great deal of stress and XXXX in my life, as I have had to put off important financial decisions due to the false information on my credit report.
I am aware that XXXXXXXX XXXX XXXXXXXX has violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to consumer reporting agencies to provide accurate and complete information regarding a consumer 's credit account. I am requesting that you enforce this legal obligation and remove the inaccurate information from my credit report.
XXXX XXXX has reported to TransUnion and XXXX regarding my credit account. According to TransUnion, the last verified date is XX/XX/XXXX, but XXXX did not report it. Furthermore, TransUnion is reporting that the date of last activity is XX/XX/XXXX, but XXXX is still showing XX/XX/XXXX. Finally, TransUnion is reporting that the date opened is XX/XX/XXXX, but XXXX is showing XX/XX/XXXX.
I believe that XXXX has violated Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by reporting inconsistent and inaccurate information to both credit reporting agencies. The FCRA requires furnishers of information to consumer reporting agencies to provide accurate and complete information regarding a consumer 's credit account.
XXXX XXXX has reported on my credit report. I believe that XXXX has violated the Fair Credit Reporting Act ( FCRA ) by providing inconsistent and inaccurate information to both TransUnion and XXXX regarding the last verified date, date of last activity, date reported, and reported balance owed. These inaccuracies have significantly impacted my credit score and my ability to obtain credit.
According to TransUnion, the last verified date is XX/XX/XXXX, but XXXX has not reported anything about this account. Additionally, TransUnion reports that the date of last activity is XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Moreover, TransUnion has reported that the date reported is XX/XX/XXXX, while XXXX reports XX/XX/XXXX. Furthermore, TransUnion has reported a balance owed of {$12000.00}, while XXXX reports {$12000.00}.
These inconsistent and inaccurate reports have resulted in a negative impact on my credit score, making it difficult for me to obtain credit and resulting in higher interest rates. I have experienced financial hardship due to these inaccuracies and have struggled to make ends meet.
Additionally, XXXX has reported that I was 30 days late on XX/XX/XXXX, when in fact, I did not miss any payments on this account. This inaccurate information has further damaged my credit score and has made it even more challenging for me to obtain credit.
XXXX XXXX XXXX. As a consumer, I have the right to accurate and complete information regarding my credit accounts, as required by Section 1681s-2 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ).
XXXX and XXXX have violated this section of the FCRA by reporting inconsistent and inaccurate information to both TransUnion and XXXX regarding the date of last activity, date reported, and date opened. Additionally, XXXX XXXX XXXX has violated Section 1681s-2 ( a ) ( 1 ) ( B ) by failing to correct the inaccurate information they provided.
Furthermore, I believe that both TransUnion and XXXX may have violated Section 1681i ( a ) ( 1 ) ( A ) by reporting inconsistent and inaccurate information provided by the furnishers. All three creditors may have also violated Section 1681e ( b ) by failing to maintain reasonable procedures to ensure the accuracy of the information they provide.
These inaccuracies have negatively impacted my credit and my ability to obtain credit at reasonable interest rates. As an example, I was recently denied a loan due to the inaccuracies being reported on my credit report.
I urge you to enforce the legal requirements of the FCRA and ensure that these creditors remove the inaccurate and inconsistent information from my credit report. Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. U S DEPT OF EDXXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
2. XXXX XXXXXXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
3. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
4. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not correct. Delete it immediately from my report.
5. The following personal information is incorrect Account Number : XXXX - This is not my name. Delete it immediately from my report.
6. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This is not my name. Delete it immediately from my report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND XXXX INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXXThe Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I XXXX XXXX on behalf of myself and my husband XXXX XXXX make a claim with each respective credit reporting agency that our constitutional rights are being violated, that XXXX XXXX is using deceptive collection methods and inconsistent accounting practices on mortgage forbearance plans during the Covid-129 pandemic crisis. I believe that as a member of the XXXX community that I am being discriminated against aggressively that will cost me and my husband dearly from a financial perspective. That aside, I will keep all emotion out of the equation on my complaint, and show how XXXX XXXX has been and still is violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. XXXX XXXX was in communication with over several months while I dealt with my husbands job layoff, my personal fight with the XXXX, as well as other medical problems I will not elaborate on at this time. Accordingly, I will break my complaint down into three ( 3 ) stages, showing documentation to support my position that I lived up to the spiritual agreements between myself and XXXX XXXX, and during the same timeline there were simply too many people from XXXX XXXX that were not on the same page of communications. XXXX XXXX made multiple mistakes on implementing a level and fair playing field for my forbearance plan, and documentation will prove that my forbearance plan was never cast in stone, but manipulated and extended by verbal communications between myself and representatives of XXXX XXXX.
STAGE ONE : FORBEARANCE PERIOD XXXX XX/XX/XXXX I was offered a forbearance as I stated issues presented in the attached Consumer Financial Protection Bureau ( CFPB ) complaint of XX/XX/XXXX. The attached XX/XX/XXXX letter from XXXX XXXX states that my forbearance was good up to XX/XX/XXXX. My first missed payment was for XX/XX/XXXX, and the XXXX mortgage statement is dated XX/XX/XXXX, showing payment due {$2700.00}.
The XX/XX/XXXX mortgage statement for the XX/XX/XXXX statement shows the missed payment for that month, plus the additional payment of XX/XX/XXXX accrued as well. So far everything is going smoothly, but I was in need of more time while my husband was not back to work yet, and I was dealing with my own problems such as XXXX positive.
XXXX XXXX WAS REPORTING ON CREDIT PAID OR PAYING AS AGREED STAGE TWO : FORBEARANCE PERIOD XXXX XX/XX/XXXX Mortgage statements from XXXX XXXX shows the accumulation of back payments, principal and interest up to {$13000.00} that included the month of XXXX, even though my forbearance was supposed to be finished as of XX/XX/XXXX. This is because I had already requested an extension up to and including XX/XX/XXXX. On XX/XX/XXXX, XXXX a XXXX representative named XXXX on a recorded line automatically extended the forbearance to that date, even though a previous conversation that was recorded shows that the extension was extended to XX/XX/XXXX, and the XXXX mortgage statement will prove this, I respectfully requested XX/XX/XXXX and it was granted. I always maintain detailed notes on my phone conversations. The XX/XX/XXXX letter states as follows : As XX/XX/XXXX, we will adjust the due date of your next scheduled monthly payment to bring your mortgage current. This is important as the next three statements proves that I was operating in good faith all along with XXXX XXXX.
You can notice that XXXX correspondences states like in the XX/XX/XXXX letter, that the forbearance plan, which was ending or set to end soon. There was never a definitive date to end the forbearance. The XX/XX/XXXX letter also mentions that I may request extensions if necessary, which I did and it was granted on a recorded line. I along with a third- party consultant requested a copy of the transcript of that XX/XX/XXXX conversation, and was denied. The XX/XX/XXXX letter signed COVID TEAM. Up to the end of XX/XX/XXXX my communications with XXXX XXXX was excellent as shown by the initial extension past XX/XX/XXXX, and the next stage will validate that my forbearance was extended once more.
STATE THREE : FORBEARANCE PERIOD XXXX XX/XX/XXXX As previously stated, the XX/XX/XXXX timeline to end the forbearance was initially extended to XX/XX/XXXX. However, the XX/XX/XXXX statement that covered the XX/XX/XXXX payment shows total amount due {$16000.00}. This represents that the forbearance was extended a second time. The recorded conversation of XX/XX/XXXX proves that I was granted an extension up to XX/XX/XXXX. The laws of probability are strongly on my side, two extensions in a row, which gives the credibility to my position.
At no time was I given a written notice that the forbearance ended XX/XX/XXXX. The XX/XX/XXXX mortgage statement proves extension number two was already in play. Suddenly, this is when the bait and switch is accelerated. The XX/XX/XXXX mortgage statements now shows a total amount due {$5600.00}, which includes {$2700.00} for XX/XX/XXXX and the difference for XX/XX/XXXX. This is a complete reversal from the accrued principal and interest statement of XX/XX/XXXX. This bait and switch technique not only violate the Fair Debt Collection Practices Act, but also the Fair Credit Reporting Act. XXXX XXXX is in serious violation of its subscriber agreement with XXXX, XXXX and Trans Union respectfully. However, XXXX XXXX then steps over the line from the XX/XX/XXXX letter which states as follows : At XXXX, we value our relationship with you. You presently have a special payment agreement for your loan ; while the agreement is in place, any payments that are reduced, suspended, or otherwise adjusted by the agreement are not considered delinquent. THIS CONFIRMS THAT MY FORBEARANCE PLAN WAS STILL IN EFFECT, PERIOD.
CONTINUED : Nonetheless, because your loan may be considered delinquent if the agreement expires and if you do not then bring your loan current, we are providing this notice to you in accordance with applicable regulations. THIS IS NOTHING BUT A NON-SEQUETOR, THE REGULATION IS THE FAIR CREDIT REPOORTING ACT.
By this paragraph, XXXX confirms a continuation of the forbearance, with its second extension in place. This type of shifting on any collection action would never stand in any civil court in the United States. XXXX XXXX is violating my constitutional rights and causing me and my husband excessive financial damages.
The XX/XX/XXXX letter is now the bait and switch in action. AS follows : This letter is formal notice by XXXX XXXX, the Servicer of the above-referenced loan, on behalf of XXXX XXXX, that you are in default under the terms of the documents creating and securing your Loan described above, including the Note and Deed of Trust/Mortgage/Security deed ( Security Instrument ), for failure to pay amounts due : This letter shows zero consistency with previous correspondence ; The letter shows an accounting of {$2700.00} due for XX/XX/XXXX, and another {$2700.00} for XX/XX/XXXX, totaling {$5500.00}.
At no time was there ever placed on record that my forbearance ended XX/XX/XXXX. On the contrary, it was given an additional extension based upon mortgage statements.
After seeing the aggressive collection practices by XXXX XXXX, and the fact that they sent to me a notice that I was now being reported late with the credit bureaus, XXXX XXXX used what I consider a strong-arm technique the get me to pay {$8300.00} on XX/XX/XXXX. XXXX XXXX should not be allowed to get away with this.
My complaint with the Consumer Financial Protection Bureau ( CFPB ) has not been completed. I was given notice on a recent telephone conversation that my argument is baseless, and I have been denied a transcript of the XX/XX/XXXX conversation. This bank is truly a bully with the general public, and I suspect with the XXXX community.
I demand a full investigation by the three respective credit reporting agencies into the abusive practices under the Fair Credit Reporting Act, as the governing agency for such federal law is the CFPB. XXXX XXXX is in violation my rights under FCRA and FDCPA.
XXXX XXXX CC : New York State Department of Financial Services CC : National Association for the Advancement of Colored People ( NAACP ) CC : Federal National Mortgage Association ( FNMA )
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| 06/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I noticed hard inquiries on my credit report that I did not authorize.
XXXX XXXX XXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXX XXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXX XXXXXXXX XXXX of Delaware ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XXXXXXXX XXXX XXXX XXXX XXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. I do not have a car and have not applied for any car loans. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
XX/XX/2020 XXXX XXXX ran my credit without my authorization and placed a hard inquiry on my credit file. I would like this hard inquiry to be removed from my credit report immediately. I have notified the company and have not gotten any results. Please removed the unauthorized hard inquiry from my credit report. I am a victim of identify fraud and would like this hard inquiry removed immediately. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
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| 07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX : National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX TransUnion : ( Eastern United States ) TransUnion XXXX. XXXX XXXX XXXX, PA XXXX TransUnion : ( Western United States ) XXXX. XXXX XXXX XXXX, CA XXXX Options XXXX , XXXX .
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Attn : Consumer Services Department TransUnion Name Removal Option XXXX XXXX XXXX XXXX, PA XXXX Dear Credit Reporting Agency This letter is a formal request to correct inaccurate information contained in my credit file. The item ( s ) listed below are completely erroneous and outdated. In accordance with the federal Fair Credit Reporting Act ( FCRA ), I respectfully request you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I request that you immediately delete the item. I thank you for your consideration and cooperation the following account are in violation of the FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11. Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus.
The exact statute : [ 15 USC 1692e ] ( 2 ) The false representation of -- ( A ) The legal status of the alleged debt and ( B ) Any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
The Following Account Are in Violation of the Florida Statute 95.11 o MG Credit Opened with this debt collector in 2014 for TURNKEY PROPERTY SERVICES- ACCOUNT IS OVER 6 YEARS OLD IN FLORIDA THE MAXIUM AMOUNT IT CAN BE REPORTED IS 4- DEBT COLLECTOR ACTING ON A ZOMBIE DEBT ACCOUNT-FLORIDA STATUTE 95.11 .The Date Of Last Activity By The Original Creditor, even should it be mine, Per Florida Statute 95.11 . Florida law reduces that time to 5 years for a written contract or promissory note and 4 years for an oral contract or open-ended contract/note. Since the debt is out of the statute of limitations, and you are reporting this on my credit report, you are conducting collection activities on zombie debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ). However, I would like to point out that your firm has violated provisions of the FDCPA by implying that the legal status of the debt is collectible by reporting the alleged debt to the credit bureaus.
*XXXX XXXX XXXX SHOWING BALANCE OWED $ XXXX- PAYMENT OF {$80.00} HAS BEEN MADE ON THIS ACCOUNT * XXXX XXXX - PAID IN FULL * XXXX - PAID IN FULL * XXXX XXXX PAID IN FULL CHECKING ACCOUNT XXXX XXXX XXXX - PAID IN FULL ( a ) An action on a judgment or decree of any court, not of record, of this state or any court of the United States , any other state or territory in the United States , or a foreign country.
( b ) A legal or equitable action on a contract, obligation, or liability founded on a written instrument, except for an action to enforce a claim against a payment bond, which shall be governed by the applicable provisions of ss. 255.05 ( 10 ) and 713.23 ( 1 ) ( e ).
( c ) An action to foreclose a mortgage.
( d ) An action alleging a willful violation of s. 448.110.
WITHIN FOUR YEARS.
( a ) An action founded on negligence.
( b ) An action relating to the determination of paternity, with the time running from the date the child reaches the age of majority.
( c ) An action founded on the design, planning, or construction of an improvement to real property, with the time running from the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest ; except that, when the action involves a latent defect, the time runs from the time the defect is discovered or should have been discovered with the exercise of due diligence. In any event, the action must be commenced within 10 years after the date of actual possession by the owner, the date of the issuance of a certificate of occupancy, the date of abandonment of construction if not completed, or the date of completion or termination of the contract between the professional engineer, registered architect, or licensed contractor and his or her employer, whichever date is latest.
( d ) An action to recover public money or property held by a public officer or employee, or former public officer or employee, and obtained during, or as a result of, his or her public office or employment.
( e ) An action for injury to a person founded on the design, manufacture, distribution, or sale of personal property that is not permanently incorporated in an improvement to real property, including fixtures.
( f ) An action founded on a statutory liability.
( g ) An action for trespass on real property.
( h ) An action for taking, detaining, or injuring personal property.
( i ) An action to recover specific personal property.
( j ) A legal or equitable action founded on fraud.
( k ) A legal or equitable action on a contract, obligation, or liability not founded on a written instrument, including an action for the sale and delivery of goods, wares, and merchandise, and on store accounts.
( l ) An action to rescind a contract.
( m ) An action for money paid to any governmental authority by mistake or inadvertence.
( n ) An action for a statutory penalty or forfeiture.
( o ) An action for assault, battery, false arrest, malicious prosecution, malicious interference, false imprisonment, or any other intentional tort, except as provided in subsections ( 4 ), ( 5 ), and ( ( p ) Any action not specifically provided for in these statutes.
( q ) An action alleging a violation, other than a willful violation, of s. 448.110.
Additionally, I request that you supply a corrected copy of my credit profile to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes., please provide me with the name, address, and telephone number of each credit grantor or other subscriber that you provided a copy of my credit report too within the past six months. If your investigation shows the information to be accurate, I respectfully request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question within 15 days of the completion of your re-investigation as required by the Fair Credit Reporting Act.
I am also doubtful that you would have adequate documentation to prove in court that you have the right to report this negative information on my credit report, and therefore you are in violation of the Fair Credit Reporting Act as well as the FDCPA. However, I will give you the chance to prove that you are lawfully entitled to report this information by requesting an investigation. Under the FDCPA I am also invoking my right to ask you to stop contacting me unless you can provide adequate validation of this alleged debt or notification that you are ceasing collections activities. Please remove this account immediately from my credit report or I will have to take legal remedies which may include lawsuits and notifying our state attorney general 's office. In addition, I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. Under the FCRA and the FDCPA, each violation is subject to a {$1000.00} fine, payable to me.
Thank you for your prompt handling of my request.
Sincerely,
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| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.
I have the right to privacy.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Accounts 1. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Delete this account.
12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX BANK Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the unverified accounts on my credit report and request that you enforce the following laws that have been violated by the creditors : Fair Credit Reporting Act ( FCRA ) : Section 623 ( a ) ( 1 ) ( A ) - Reporting accurate information to credit bureaus Section 623 ( a ) ( 2 ) - Duty to correct inaccurate information Truth in Lending Act ( TILA ) : Section 128 ( a ) ( 2 ) - Disclosure of loan terms Section 129 ( a ) - Disclosures before consummation Section 163 - Right of rescission Section 226.17 - General disclosure requirements Fair Debt Collection Practices Act ( FDCPA ) : Section 806 ( 5 ) - Threatening action that is not legally allowed Section 807 ( 8 ) - Using any false representation or deceptive means to collect a debt Section 808 ( 1 ) - Contacting a consumer at a time or place known or which should be known to be inconvenient XXXX XXXX XXXX, one of the creditors on my credit report, reported inaccurate information to XXXX that led to my account showing a 30-day late payment in XX/XX/XXXX. This information is false, and I have never missed a payment on this account. This is a violation of Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the FCRA.
Furthermore, XXXX XXXX did not provide me with the required paperwork, violating Section 128 ( a ) ( 2 ), Section 129 ( a ), Section 163, and Section 226.17 of the TILA. Additionally, they engaged in debt collection practices that were deemed harassing, deceptive, or unfair, which is a violation of the FDCPA 's Section 806 ( 5 ), Section 807 ( 8 ), and Section 808 ( 1 ).
XXXX XXXX XXXX XXXX According to XXXX, XXXX XXXX XXXX reported that I was 30 days late on a payment, but I have not missed any payments on this account. This inaccurate reporting has negatively affected my credit score and overall creditworthiness.
I believe XXXX XXXX XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to the credit bureaus. Additionally, they may have also violated Section 623 ( a ) ( 2 ) by failing to correct the inaccurate information reported to XXXX.
XXXXXXXX XXXX XXXX has reported to XXXX and XXXX regarding my account with them. According to their reports, I was 30 days late on a payment on XX/XX/XXXX, but I have not missed any payment on this account.
XXXXXXXX XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information to the credit bureaus. This inaccurate information has negatively impacted my credit score and creditworthiness, which has affected my ability to secure loans and credit cards for my personal and professional needs.
Furthermore, XXXXXXXX XXXX may have also violated Section 623 ( a ) ( 2 ) of the FCRA by failing to correct the inaccurate information that was reported to XXXX and XXXX. This failure to correct the inaccurate information has caused ongoing harm to my credit profile and overall financial well-being.
As a result of these violations, I am requesting that XXXX XXXX remove these unverified accounts from my credit report and take immediate action to correct the inaccurate information they have reported. I believe that enforcing these legal provisions is necessary to ensure that creditors like XXXX XXXX are held accountable for their actions and to protect consumers from further harm.
One of the creditors XXXX that has reported inaccurate information is XXXX. They have reported a charge off on my account without notifying me or providing any paperwork to support this claim. Furthermore, according to XXXX, I was 120 days late on a payment on XX/XX/XXXX, but I did not miss any payment on this account.
The inaccurate information that XXXX has reported could have negatively impacted my credit score and creditworthiness. This has had a significant impact on my life. As a result of the inaccurate information on my credit report, I have been denied credit, and the credit that I have been able to obtain has come at a much higher interest rate than it otherwise would have.
I am requesting that you enforce Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the FCRA, as XXXX may have violated these sections by reporting inaccurate information to XXXX without notifying me or providing any paperwork to support their claim, and by failing to correct the inaccurate information that was reported.
Furthermore, XXXX may have also violated Section 623 ( a ) ( 5 ) by not updating or correcting the inaccurate information in a timely manner, causing further harm to my creditworthiness.
XXXX ( account number XXXX ) is in a charge off status. However, I have not received any notification from the creditor regarding a charge off, nor have I received any paperwork about this account. Moreover, the other two credit bureaus did not report any negative information on my account.
I believe that XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). Section 623 ( a ) ( 1 ) ( A ) requires that information reported to credit bureaus be accurate. In my case, the credit report provided by XXXX is inaccurate as it states that my account is in charge off status, which is not the case.
Furthermore, Section 623 ( a ) ( 2 ) requires that creditors investigate and correct any inaccurate information that is reported to credit bureaus. If XXXX was indeed reporting inaccurate information to XXXX, they may have violated this section by failing to investigate and correct the error.
XXXX XXXX XXXX According to XXXX, the payment status of my account with XXXX XXXX is listed as a charge off. However, I never received any notification regarding this charge off account, and they never provided any paperwork with me. Furthermore, the other two bureaus did not report any negative information on my account. It is my understanding that XXXX XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ).
Section 623 ( a ) ( 1 ) ( A ) requires that information reported to credit bureaus be accurate. It is my claim that the charge off status being reported by XXXX is inaccurate, as I was not informed of any such status and the other two bureaus did not report any negative information on my account.
Section 623 ( a ) ( 2 ) requires that creditors investigate and correct any inaccurate information that is reported to credit bureaus. If XXXX XXXX was indeed reporting inaccurate information to XXXX, they may have violated this section by failing to investigate and correct the error.
XXXX XXXX Specifically, XXXX is reporting that my account is open, when in fact it is a charge off account. Additionally, there is a discrepancy between TransUnion and XXXX on the date of last activity, which suggests further inaccuracies in the reporting.
Based on the information provided, it appears that XXXX may have violated Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). Section 623 ( a ) ( 1 ) ( A ) requires that information reported to credit bureaus be accurate, and in this case, XXXX is reporting inaccurate and misleading information. Section 623 ( a ) ( 2 ) requires that creditors investigate and correct any inaccurate information that is reported to credit bureaus. If XXXX was indeed reporting inaccurate information to the credit bureaus, they may have violated this section by failing to investigate and correct the errors.
This inaccurate reporting has had a significant impact on my life. As a result of these errors, my credit score has been negatively impacted, and I have been unable to secure loans or obtain credit on favorable terms. This has made it difficult for me to provide for my family and meet our financial needs.
I request that XXXX investigate and correct these errors immediately. Furthermore, I demand that XXXX remove these unverified accounts from my credit report. I would appreciate a written response and the necessary actions taken to resolve this matter.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 05/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Due to unsatisfactory resolve, to date, I am escalating this matter to the USA Government consumer protection. I am disputing the information viewed on the copy of the my free credit report outlined herein. I received, a free credit report, a report granted for the purpose of checking in-accuracies.
After review of my credit file I herby dispute : 1 ) My name, address, is not, nor ever has been XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX Address ID # XXXX, or XXXX XXXX XXXX, XXXX XXXX, CA XXXX, or XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, XXXX or XXXX XXXX XXXX XXXX XXXX CA XXXX ( this address is zoned commercial and non residential on a XXXX address search ), or XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, or XXXX XXXX XXXX XXXX XXXX, CA, XXXX. In addition the Addresses in the notices section of the report XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX is un-failure to me and is an address I have not been connected with, I dispute the accuracy of listed addresses and request all referenced address. I formerly advise its not accurate.
I have attached a copy of my current CA drivers license and residence of over 5 years. Please investigate these matters, and delete the disputed items as soon as possible. This complaint is a request for validation of the above, pursuant to 15 U.S.C. 1692g ( b ).
This is NOT a request for verification or proof of my mailing address, but a request for validation pursuant to the statute 15 U.S.C. 1692g ( b ). As my address is more than 5 years and California statute of limitations 3 years, additionally provide to me proof that the statute of limitations has not expired for the purposes of either legal enforcement or continued credit reporting.
2 ). Account information. XXXX XXXX XXXX XXXX Account Number XXXX, has an incorrect date of first delinquency, additionally XXXX XXXX XXXX the original creditor appear to have sold the Alleged debt, claim of {$2500.00} to XXXX XXXX XXXX. XXXX XXXX XXXX is reporting the same incorrect date of the delinquency and creating a false expiration date on record, for my personal credit file of XX/XX/XXXX by the reporting of wrong information. The creditors tradeline - - XXXX XXXX XXXX, also fails to note that the alleged debt {$2500.00} was assigned to collections or charged off. This makes it look like I have two delinquent accounts - the original one, and the one ( for the same debt ) that is being reported by the collection agency or debt buyer. Under the fair credit reporting act, It's got to be accurate OR its go to be deleted. Under the fair credit reporting act, as neither account is accurate, and information on file has not got the correct dates or accurate debt amount being reported, I formerly request deleted.
XXXX XXXX XXXX, a company I am not at all aware of, nor have I done any business with, has gone ahead and pulled and unauthorized HARD credit pull on my credit file XX/XX/XXXX. This too is unlawful use of my SSN and information under fair credit act. I herby demand the record expunged and if the request is not met I formerly request an investigation of the companies XXXX XXXX XXXX and XXXX XXXX XXXX for ethics and fair credit compliance required of a company under Securities commission regulations.
3 ) XXXX XXXX Account Number XXXX XXXX. Firstly chase has placed multiple calls to my California cell without consent. This in breach of California consumer credit debt collection laws. Additionally, XXXX has incorrect date of first delinquency, and the file is reporting only the date it was charged off. I dispute the accuracy the file is not reporting accurate information, I request chase remove this inaccurate information and expunge the file from record. Should the Cell call logs, and call records be required, I can have my representative send them to chase. The Fair credit reporting act does not require me to prove the mistakes of chase, rather it demands reporting of accurate information, dates and event. If its not accurate, its got to go. Please investigate these matters, and delete the disputed items as soon as possible.
3 ) XXXX file number XXXX. I have received in mail a settlement offer of {$5000.00} as part of a XXXX class action settlement now for XXXX charging fees. I have not accepted the offer from court, in order to preserve my rights to a remedy and larger settlement, if unresolved. XXXX is perceived by myself and my attorneys to be in violation of a number of ethics including calling my personal California cell using automated dial up process to collect a set, and reporting inaccurate dates and information. I have been through grief with XXXX. Through soul-searching I have come to the conclusion -- I just want to be left alone by XXXX and will not per-sue settlement and damages in exchange for a make right remedy. Make right remedy is to remove the inaccurate information of the charge off account including the dates and amounts. The date alleged delinquency does not match the date i disagreed with the obligation to pay, under the circumstances and conditions at the time. My dispute to XXXX and questioning of the legitimacy of the action to suspend my card, for missing a payment by just a few days resulted in nothing but verbal threats from XXXX to report nonpayment on credit. XXXX threatened to Harm my credit if I did not just agree with their decision to close the card for one to two days late payment, and continue to pay. XXXX provided me no recourse for their BULLY strategy and totalitarian dictatorship as to the terms. Have XXXX not misconducted itself under SOX and ethical practices guidelines required of a public company, and had XXXX refrained from threats to me, at the time, the card could have been agreed to be paid. XXXX continued to assess me fees, and then more fees, and unethical practices under Sarbarnes Oxley act ( SOX ) the public company simply claimed their actions as " protocol '' and " policy '' and continued to charge a person who's account they closed more fees on fees. XXXX made good on their promise to Harm me, if I did not pay. I demand the Bank expunge of this from my credit, or the Government and SEC investigate the bank and their acts against customers. The inaccurate amounts of debt being alleged as owed by XXXX is not accurate as it includes fees wrongly assed NOW in XXXX has been agreed by Judges and ruled by court in class action lawsuit I was offered XXXX XXXX settlement. Inaccuracy of reported dates, the discharge and record need to be expunged as the reported file lacks valid basis.
4 ) XXXX XXXX Credit Card. has an incorrect date of first delinquency. Once again, XXXX XXXX, another credit card is reporting inaccurate information. XXXX XXXX in collecting of the alleged debt called my California Based Cell in violation of California cell regulations and debt collection practices. As inaccurate dates and time line of exactly when first delinquency the date the file is to remain on my credit until is inaccurate too. If its not accurate, its got to go.
5 ) XXXX XXXX XXXXXXXX XXXX - - Unauthorized credit pull. Under securities commission ethics and guidelines and the SOX acts, a company can not at will go ahead and HARD pull the credit file of an civilian or existing customer or creditor without consent. I did not authorize any hard pull of my credit file. Additionally, if the reason for credit pull was an attempt to collect a debt the obligation under Fair credit act is to Soft Pull credit of the existing customer or creditor in default. XXXX XXXX XXXXXXXX XXXX - - Hard Inquired on my credit file XX/XX/XXXX for 'unspecified reason '. This is to be deleted.
Additionally, as referenced - this complaint with the USA GOVERNMENT - - CFPB is a request for validation of the above account ( s ) pursuant to 15 U.S.C. 1692g ( b ).
This is NOT a request for verification or proof of my mailing address, but a request for validation pursuant to the statute. Please provide me with the following : - An explanation of what the amount owed is for and how it was incurred, and - An explanation of how this amount was calculated, and - Copies of any documents that show I agreed to pay this amount, and - A verification or copy.
|
| 08/07/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Servicemember |
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I see that XXXX XXXX XXXX XXXX removed the false report with the credit bureaus regarding, Natural Disaster ONLY with Transunion and XXXX. Yet, the report sent neglected to improve my FICO score that was hit hard, -20+ points after the, Natural Disaster report was falsely submitted by your company. We were in agreeance that a positive report being submitted to have everything reversed, including false, Natural Disaster report. I will need this re-submitted so my FICO score can be re-established. I know this is possible after XXXX XXXX XXXX XXXX did submit a report weeks prior to the false negative, Natural Disaster report and FICO points were positively established. Please listen to taped phone call conversations approximately 2 weeks prior to the false credit reporting, Natural Disaster that per all three credit bureaus, that false negative reporting did play an important role in the decline of my FICO score. This is only a touch of the continued false, malicious, intentional reporting by XXXX XXXX XXXX XXXX. The last time was using my identity and adding over {$100000.00} without my knowledge to my existing loan. A police report and identity theft report, credit froze by all three credit bureaus against those who continue doing false reporting by someone at XXXX XXXX XXXX XXXX.
I will need this change, removing once again, the false reporting, Natural Disaster in a POSITIVE report submitted by XXXX XXXX XXXX XXXX to ALL three credit bureaus so FICO my score points can be re-established and this false reporting is removed completely. This as we spoke on the phone Mr. XXXX XXXX agreed, as well when I spoke to all three credit bureaus, can be done with a positive report submitted by XXXX XXXX XXXX XXXX. Something your company has yet to do, but once, then you in turn have someone submit more false reporting as well additional negative comments.
Once again, what we agreed upon is still not being corrected as your company only submitted an update on my mortgage balance with XXXX, XXXX and did not remove the false reporting claim of natural disaster off of my credit report with TRANSUNION. I spoke to them an hour ago, they stated they received an update only on the balance of my loan. XXXX XXXX XXXX XXXX did NOT send any positive report or change to remove the false malicious reporting.
Once again, your company as we agreed per our conversation was to submit a positive Report with the credit bureaus and by having the false reporting of a, Natural Disaster REMOVED which would help re-establish my FICO score points that were taken away due to once again false reporting from your company, natural disaster.
I need this issue addressed in a correct urgent proper manner with all three credit bureaus. I also need positive reports added to help reverse the false claims and accusations by your company which was maliciously reported and falsely reported with the credit bureaus.
I also need every single payment now reported to all three credit bureaus. Your company per taped conversations stated that AFTER the forbearance period was up, which it is, that ALL my payments since the beginning of my VA mortgage loan would be reported. As of this afternoon, they are still NOT being reported. Refer back to your taped conversation phone calls over the course of the past 12 months for your reference. This all started due to your XXXX representative, Mr. XXXX XXXX misguiding me to stop making payments on my VA mortgage loan due to issues we had with the prior owners hiding major repairs that had not been addressed, but instead hidden by photo frames, furniture, etc. Your company did admit that MrXXXX XXXX was in the wrong and made a settlement to close the forbearance and last payment owned during the forbearance period.
I have as well brought in other parties on this issue as well as the Attorney General 's Office, Consumer Department in the state of Indiana so this matter will finally cease and not continue on with malicious false reporting by XXXX XXXX XXXX XXXX. I will as well continue with CFPB complaints until this is resolved. I also submitted all parties copies of the phone calls with credit bureaus proving that the issues still as of this late afternoon, have NOT been resolved. Yet, XXXX XXXX XXXX XXXX sent a CFPB reply to myself the consumer, stating all the issues have been changed, addressed with the credit bureaus just a few days ago. No ... the ongoing issues with the latest malicious intentional false reporting have not been corrected.
I have also reached out to FEMA with regards to a taped phone call converstation with myself and with XXXX XXXX XXXX XXXX manager and representative within the past few weeks that blamed FEMA for the false reporting.
I have as well reached out to my insurance company, they have never heard of such false reporting and in turn, blaming FEMA. Both parties have no reporting of any such NATURAL DISASTER in my area that would warrant XXXX XXXX XXXX XXXX to submit on a report to all three credit bureaus on my credit report with my VA mortgage loan.
Mr. XXXX also on a taped phone call conversation, instead of letting me know this serious matter would be handled ASAP. He stated, " Maybe it's time you should find a new lender and refinance through a different bank. '' Instead of owning up to the companies continued false reporting and not reporting all payments with the credit bureaus. Who as any large bank representative states such a thing? I brought this up to my current bank and they stated, " Why would any bank say such a thing? Just fix the issues, it isn't that hard to submit a report to the credit bureaus and take ownership of the incorrect reporting. '' This ongoing matter of false reporting has been going on for almost 18 months and is taking a grave toll on my wife 's Health who is a current XXXX patient.
See your email from Mr. XXXX, the issues he stated were resolved. Per taped phone calls, emails, etc from the credit bureaus. It has not been resolved.
Message Published On XXXX XXXX CDT You Have a New Message Notification ATTORNEY GENERAL COMPLAIN RECEIVED.
See less message1 XXXX XX/XX/XXXX / XXXX XXXX Dear Mr. XXXX, Thank you for bringing your correspondence regarding experience with XXXX Mortgage to our attention. My team at the XXXX XXXX XXXX XXXX works in conjunction with the CEO s office, and I am working on researching the details of what occurred. I will reach out to you in 48 hours to discuss further. If you need to reach me, please feel free to call me at ( XXXX ) XXXX ( XXXX XXXX, Extension XXXX. My office hours are XXXX XXXX to XXXX XXXX Monday through Friday.
Thank you for your patience. We value your membership and the opportunity to serve you.
Between XX/XX/2018 and XX/XX/2018, your XXXX/XXXX XXXX balance decreased by {$210.00} from {$120000.00} to {$120000.00}.
Updated Account Information XXXX/XXXX XXXX - Remark Removed From Account Remarks are meant to make your report more clear. If you're not sure why this remark was removed from your report or where it came from, you can contact your creditor or the credit bureau for more information.
Between XX/XX/2018 and XX/XX/2018 the following remark was removed from this account : Affected by natural disaster XX/XX/XXXX / XXXX XXXX XXXX XXXX XXXX XXXX representative, Mr. XXXX and Indiana Attorney General Representative was sent another email and two further taped conversations with two credit bureaus. This on top of three other prior taped calls and the credit bureaus reporting by your company on my credit report of malicious, false continued reporting that has as well continued to further damage my credit and FICO score.
Your company has yet to once again fully correct false reporting and do what it takes by submitting a positive report explaining the false reporting that has been going on for months that has caused my credit to suffer. I have also been in contact with an interested party at a very large reputable newspaper in Washington DC. If this serious issue does not get resolved urgently I will submit my story to the writer. I also now have enough proof for grounds to seek legal action.
Sincerely, XXXX XXXX
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| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account In question : XXXX XXXX account number : XXXX account type : revolving account account type ( XXXX ) : REVOLVING account type- detail : revolving account account type- detail ( XXXX ) : credit card bureau code : individual account bureau code ( XXXX ) : individual account status : closed date opened : XX/XX/XXXX balance : XXXX high credit : XXXX credit limit : XXXX payment status : charged off as bad debt comments ( Transunion ) XXXX account closed by consumer comments ( XXXX ) : **consumer statement** y item disputed by consumer, account closed at consumers request also would like the time out now to make everyone receiving this correspondence that XXXX has already deleted the account in question. So if one bureau is unable to validate the account ... what sort of fraud is any one else going to bring forward in an attempt to validate this account?
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| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 3. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
7. XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
8. XXXXXXXX XXXX XXXX XXXX XXXX
Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 05/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act
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Hard Inquiries
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Credit Score
has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
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| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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TransUnion violation of my consumer rights has had a detrimental impact on my life. They reported inaccurate information on my credit report, which was only rectified after significant damage had already been done. As a result, I encountered 3 different items on my report that caused me to miss out on life-changing opportunities. TransUnion actions are directly responsible for the denial of loans and credit cards, ultimately resulting in the complete ruin of my life. Therefore, I am pursuing legal action against TransUnion for defamation of character.
As a consumer, I placed my trust in TransUnion to accurately report and maintain my credit information. However, I recently discovered that TransUnion has reported inaccurate and misleading information on my credit report. These erroneous entries remained on my report for an extended period, causing substantial harm and preventing me from accessing life-changing opportunities.
Specifically, I found 3 different items on my credit report that were falsely reported by TransUnion. These inaccurate entries resulted in the denial of loans, credit cards, and other financial opportunities that would have had a significant positive impact on my life. The consequences of TransUnion negligence and failure to rectify the situation in a timely manner have been devastating, both financially and emotionally.
In light of the aforementioned damages caused by TransUnion, I have consulted with legal counsel, and I hereby provide you with this formal Letter of Intent to Sue. It is my intention to pursue legal action against TransUnion for the following claims : Defamation of Character : TransUnion inaccurate reporting has unjustly damaged my reputation and character, resulting in tangible harm to my personal and professional life. Given the seriousness of the matter, I believe it is in both parties ' best interest to resolve this issue amicably and without protracted litigation. Therefore, I present the following settlement demand as a starting point for negotiations : Financial Compensation : I demand fair and just financial compensation in the amount of [ specify the amount you deem appropriate ] to address the damages I have incurred as a direct result of TransUnion actions.
Corrective Measures : TransUnion must take immediate steps to rectify the inaccurate information on my credit report and ensure that such errors do not recur in the future. This includes updating my credit report with accurate information and providing written confirmation of the correction.
Prevention of Future Harm : TransUnion must implement robust procedures and safeguards to prevent similar incidents from happening to other consumers. This includes reviewing internal processes, enhancing data accuracy protocols, and providing regular training to employees responsible for handling consumer credit information.
I firmly believe that reaching a fair settlement will not only save both parties valuable time and resources but also help restore my trust in TransUnion commitment to consumer rights and data integrity. Please consider this letter as an opportunity to engage in meaningful discussions and negotiate a settlement that addresses the harm I have suffered. I request a response within [ specify a reasonable time frame, typically 30 days ] from the date of this letter to initiate the settlement discussions. Failure to respond or engage in good-faith negotiations will leave me with no choice but to proceed with legal action to protect my rights and seek appropriate remedies. I strongly advise you to forward this letter to your legal department and inform your designated representative to contact me at the earliest convenience. You may reach me at the provided contact information above.
15 U.S. Code 1681- Congressional findings and statement of purpose.
( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
LII U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681n ( a ) In generalAny person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Attorneys fees On a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper.
Similar cases to mine.
United States Court of Appeals, Fifth Circuit, Case No. 91-7142, John STEVENSON vs. TRWXXXX XXXX XXXX XXXX
Court Ruling Section 1681o authorizes a consumer to recover actual damages sustained from the consumer reporting agencys negligent violation of a requirement under FCRA.
Actual damages include humiliation or mental distress, even if the consumer has suffered no out-of-pocket losses.
The Verdict : The district court awarded XXXX XXXX XXXX actual damages of {$30000.00} for mental anguish, punitive damages of {$100000.00}, and attorneys fees of {$20000.00} for negligent and willful violations of the Act.
Phoenix Financial SE {$970.00} Date Opened XXXX Date Removed : XX/XX/XXXX Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$75.00} Date Opened XX/XX/XXXX Date Removed : XX/XX/XXXX Original Creditor : XXXX XXXX XXXX Incorrect Personal Information : XXXX XXXX Placed XX/XX/XXXX Removed XX/XX/XXXX
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| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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To Whom It May Concern, I recently submitted a verification of the following accounts that appeared to be unfamiliar with me. XX/XX/XXXX, Illinois XXXX XXXX XXXX, a college I attended, had a security incident whereas I and other current and former students personal information was stolen! ( see enclosed : official letter from Illinois XXXX XXXX XXXX student personal information breach ) Upon further examination of these unfamiliar accounts reported by XXXX I began to check the reporting done by your company as well as XXXX and TransUnion related to me and found that neither of you three are reporting consistent, accurate, and complete information. According to the FCRA, credit reports are supposed to be accurate, complete, and verifiable! There are a number of eras within the report with several unfamiliar and unverified items in particular. In each and every category, TransUnion reports Items with either completely different totals, findings, some blank from the other reporting agencies. Neither Agency in general have similar information as the other. XXXX couldnt provide me with their methods of investigation as to the verification of the following Accounts : Acct # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX TransUnion Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and XXXX and XXXX reporting another. Which date is correct? If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. XXXX Date Last Active : XX/XX/XXXX TransUnion Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. XXXX Date of Last Payment : XX/XX/XXXX TransUnion Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. Based upon the above 3 inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX ( XXXX XXXX ) above account XXXX Date Opened : XX/XX/XXXX TransUnion Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and XXXX and XXXX reporting another. Which date is correct? If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. XXXX Date Last Active : XX/XX/XXXX TransUnion Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. XXXX Date of Last Payment : XX/XX/XXXX TransUnion Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct? If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Account Status : Paid TransUnion Account Status : Derogatory XXXX Account Status : Paid Account Status should be consistent where we have your agency reporting one date and TransUnion reporting another. Which date is correct? If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Payment Status : Late 60 Days TransUnion Payment Status : Current XXXX Payment Status : Current Payment Status should be consistent where we have your agency reporting one date and XXXX and TransUnion reporting another. Which date is correct? If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Last Reported : XX/XX/XXXX TransUnion Last Reported : XX/XX/XXXX XXXX Last Reported : XX/XX/XXXX Last Reported should be consistent where we have your agency reporting one date and XXXX and TransUnion reporting another. Which date is correct? If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account XXXXXXXX XXXX XXXX Account : N/A TransUnion Account Status : Derogatory XXXX Account : N/A Account Status should be consistent where we have your agency being the only agency reporting this lone-ghost account. Which agency is Correct? If this account was verified properly the Furnisher would have consistent information reporting across each credit agency. This Account is close to the time of the breach of my personal information with Illinois XXXX XXXX XXXX! Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete XXXX XXXX XXXX # XXXX No Permissible Purpose : DELETE the Following Inquiries : XXXX XXXX : XX/XX/XXXX I never gave anyone permission to run my credit including your company. Please provide me with any documents that I signed giving you or anyone written authorization to run my credit. These accounts could be as the result of the Illinois XXXX XXXX XXXX Student breach included in the attached documents 15 U.S. Code 1681b - Permissible purposes of consumer reports o ( a ) IN GENERALsubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates Further, I request to be forwarded the following proofs of verification of the above accounts, and that failure to provide me with the following documents violates my rights according to the Fair Credit Reporting Act 15 U.S.C 1681 1. Any contracts I signed with the supposed company as I never entered into any contract with any of the above account holders! 2. Any signed checks with signatures 3. Anything with my social security number 4. Pay Off Disclosure 5. Interest Rate Disclosure 6. Balance History 7. Payment History 15 U.S. Code 1681 ( 4 ) Congressional findings and statement of purpose o ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S. Code 1692j - Furnishing certain deceptive forms o It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating. o ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section XXXX of this title for failure to comply with a provision of this subchapter.
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| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Hi. I am writing today regarding a Hamp Mortgage Modification that has not gone very well at all. Before getting into the details I would like to thank the CFPB for the help received in the past. I had written to the White House regarding the actions of XXXX XXXX and XXXX XXXX XXXX in XX/XX/XXXX-XX/XX/XXXX. The White House contacted the CFPB, opened up a case in my name and the CFPB stopped XXXX XXXX XXXX from wrongfully selling my home on the courthouse steps for which I am grateful beyond words. I also had to call for assistance again due to XXXX XXXX XXXX again wrongfully trying to force me into foreclosure claiming to have not received signed documents on time. This was also proven to be false and the CFPB actually had to step in again and deliver the documents to XXXX XXXX XXXX on my behalf. Those case numbers are XXXX and XXXX if they are needed for reference.
The issue I am writing about today is part of that same modification and has been an ongoing problem that I really need to be resolved once and for all. XXXX XXXX XXXX has been reporting a wrongfully delinquent and highly damaging history on my credit report to all 3 CRA 's. The fact of the matter is that I have never been late a single time and have made 60 ( 5 years ) of on time or early payments on this HAMP program loan. A testament to the success of the HAMP program in my case and I am thankful to have been given the opportunity that I was given. However, even though I have a perfect payment record and have been exemplary XXXX XXXX XXXX has me down as being 120-180 days late on my credit reports from the time of XX/XX/XXXX to XX/XX/XXXX and will not remove the negative history. Unfortunately this also includes XXXX XXXX XXXX wrongful reporting for the month of XX/XX/XXXX as well. I had finally reached an agreement with XXXX for a HAMP Modification. I was to make 3 trial payments and that was supposed to be my new mortgage. This was not the case at all as I made 2 of the 3 payments and XXXX sold me to XXXX XXXX XXXX where in which I was to make my 3rd and final trial payment. That did not happen. XXXX XXXX XXXX did not give me any modification papers at all until XX/XX/XXXX and when they did they had removed all of the Principle Reductions, all incentives and even added a hefty and absurd sum to the Balance. This was when the White House contacted the CFPB for me and the 1st case # I had. I was not until MyXX/XX/XXXX that I finally got my real and actual mortgage package. After all of that I had been frozen and stuck in that trial period for 15 months! This was forced on me, done to me against my will and without my consent. These are actually the very same months that XXXX XXXX was trying to take my home and the very same months that the CFPB had to step in on two separate occasions just to even get the correct modification package. I had a very in depth and lengthy conversation on every aspect of the modification prior to entering into it. I never agreed to being in any trial period for 15 months! If anybody had been truthful with me and told me that I was going to go through all of that for 15 more months and end up w 7 to 9 late pays on my credit report for 7 more years then I would have never agreed to it. That would definitely have been a deal breaker. This has been an absolute " bait and switch ''. XXXX XXXX explained in depth that I would go into the trial period for 3 months ( XX/XX/XXXX- XX/XX/XXXX ), that my credit report would stay derogatory for those 3 months and then on the 4th month I would get my new formal modification package and that at point my credit report would be amended to reflect all payments as current from trial payment # 1 on. She even went on to sate that 24 months from them that my credit score would rebound and all kinds of wonderful things would happen. This was actually a huge part of why I made the decision to enter into the HAMP program. This is clearly not the case. In reality I spent 15 months fending off XXXX XXXX XXXX from trying to steal my home while making all of my payments early only to have up to 9 late payments ( varies by CRA ) reflected on my credit report. This is another thing I never agreed to. I agreed to enter into the HAMP program and have a NEW mortgage, not get one with 9 late payments on the history right out of the gate. Again, this is something I never agreed to and something I would never agree to. This is simply unacceptable. This also defeats one of the very purposes of the HAMP program in regards to having a chance to have a new mortgage with a new payment history. I have tried to resolve the issue numerous times since it has happened with the company and the CRA 's with no success. I need the CFPB to step in again. The newest response from XXXX XXXX XXXX from last week states that they will not be changing the reporting to the CRA 's. I am including it as well. They actually write in the response that because I was in the trial period that they themselves forced on me against my will for 15 months! This is the very same 15 month period that you, the CFPB had to take action against XXXX XXXX XXXX twice during that time frame to even get me my mortgage package. XXXX XXXX XXXX has been reporting accurately since the CFPB literally forced them to 1 ) give me my correct mortgage package and 2 ) force them to admit that they had my singed copies ( CFPB actually delivered my signed docs to XXXX for me in the 15 month period! ). Long story short XXXX XXXX XXXX actually caused the 15 month long issue themselves and have damaged my credit for those 15 months on top of all of other undue stress they caused. Unbelievable. XXXX XXXX XXXX even states in their response that because I was in the " trial period '' for all of those months which they caused themselves is the reason why they refuse to report all 60 months as " paid as agreed '' as if a 15 moth trial period is completely normal. I would be so very appreciative if the CFPB could investigate the matter and have XXXX XXXX XXXX report all 60 payments truthful as " paid as agreed ''. I never agreed to that in the first place and for XXXX XXXX XXXX to use the very 15 month period against me that they spent trying to steal my home and the very same time frame that the CFPB had to step in twice against them is really quite brazen to say the least! I called the CFPB yesterday and had a pretty in depth conversation. I had read the HAMP program procedure and am familiar with it, but asked the CFPB yesterday if there was some kind of loop hole where in which XXXX XXXX XXXX could change a 3 month trial modification period to a 15 month trial period without any warning or me agreeing to it and his answer was " No, they can not do that ''. Please look at my payment records and see that I have lived up to my end of things 100 % and please have my credit report corrected to reflect that accordingly as I have never been late. I can not even convey how tired I am of being denied credit due to my supposed " 9 derogatory payments to XXXX XXXX XXXX ''. Being asked over and over by a new potential creditors why I was late 9 times on my mortgage is mind blowing. I tell them that I wasn't, but it doesn't matter. I tell them that I'd like to know why it says that too! I get alerts on a weekly basis informing me that my derogatory payment history is affecting my score and I am constantly hounded and reminded of it. I am really just sick and tired of XXXX XXXX XXXX entirely and it is honestly astounding that they are even allowed to do any business at all. I look forward to having this resolved as son as can be and thank everybody in advance for that and again for the help I have received in the past with XXXX XXXX XXXX. I sincerely can not wait for the day when I never have to see their name again. I am also including the form that XXXX sent me stating that my mortgage was going to XXXX XXXX XXXX and that no terms of the agreement were being changed. Please et me know if any other documentation is needed and please feel free to view the other documents already included in the previous cases that might be needed! Thank you!
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| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).
Please remove these unverified and incomplete items listed below : 1. This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.
2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
4. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 6. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 16. The following personal information is incorrect Account Number : EMPLOYER : XXXX 17. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
24. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
44. The following personal information is incorrect Account Number : EMPLOYER : XXXX 45. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
47. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
48. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
49. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
50. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
51. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
52. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
53. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
|
| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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Pursuant to Title 15 USC 1681b the transaction history regarding the XXXX XXXX account is not consistent, should be removed and constitutes a {$2000.00} fine per FCRA and FDCP violations plus as a XXXX willfully and/or negligently violated 15 U.S.C. 1681e ( b ) by failing adhere to the guidelines prescribed by Congress that the rights of this federally protected consumer.
It is a fact that pursuant to 18 USC 3663 ( 2 ) XXXX has caused COMPLAINANT to become a VICTIM of IDENTITY THEFT pursuant to 15 USC 1681 a ( q ) ( 3 ) by AGENTS of TRANSUNION LLC AGENTS using the private identifying information of the COMPLAINANT for commercial purposes without the expressed written permission of the COMPLAINANT.
COMPLAINANT is aware and knows that the COMPLAINANT as the Secured Party is HOLDER IN DUE COURSE of the PREFERRED STOCK ( UNITED STATES XX/XX/1871 ; XXXX STAT I. XXXX ) : and holds a prior, superior, security interest and claim on the TRANSUNION LLC AGENTS as a DEBTOR and DEBTORs property which does not exclude ALL FILES containing the name and private information relating to XXXX XXXX XXXX SS # XXXX.
My address is XXXX XXXX XXXX XXXX XXXX, Il XXXX. All six other address being listed on XXXX credit report are non-mailable addresses and must be removed.
It is a fact that TRANSUNION LLC AGENTS theft of your affiant/victims identifying information is a destruction of your affiant/victims right to privacy pursuant to 15 USC 1692 a.
It is a fact that in violation of 15 USC 1681b, AGENTS of TRANSUNION LLC AGENTS created FILES with the trademarked and copyrighted private property of your affiant without permission or written instructions from your affiant.
It is a fact that pursuant to 15 USC 1681M there was a willful non-compliance to compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.
It is a fact that in violation of 15 USC 1681N, TRANSUNIO
N LLC AGENTS neglected to follow compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.
If the COMPLAINANT is wrong in making any stated claim, ADDRESSEES as TRUSTEES are ordered to correct the record point-for-point using facts of law or waive the right to defense against any error, omission, flaw or defect regarding said claim as ADDRESSEES silence will be noted as acquiescence to said statements.
COMPLAINANT is aware and knows that in the event of any opposition to this NOTICE OF INTENT TO SUE, the opposition must be done by rebutting each and every point, point by point and making said rebuttal public record.
COMPLAINANT is aware and knows that all complaints of mail fraud can be handled through the XXXX.
COMPLAINANT is aware and knows that the terms and conditions of said treaty must be followed by all who choose to use the UNITED STATES POSTAL SERVICE for all mailings.
TRANSUNION LLC AGENTS caused commercial harm, damage and injury under pretense and colors to this COMPLAINANT and are in breach of numerous legal duties imposed upon the peoples Public Offices, and by Law are barred, estopped and precluded under the " CLEAN HANDS DOCTRINE, '' and PUBLIC POLICY '' from making any claim or right, title, or interest thereon. ( See : 18 U.S.C. 1001 ). Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law.
It is a fact, that in violation of 15 USC 1681b ( a ) ( 2 ), no written instructions were given validating TRANSUNION LLC AGENTS use of your affiants private information for commercial use.
It is a fact that TRANSUNION LLC AGENTS theft of your affiant/victims identifying information is a destruction of your affiant/victims right to privacy pursuant to 15 USC 1692 a. Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law.
It is a fact that in violation of 15 USC 1681b, AGENTS of TRANSUNION LLC AGENTS created FILES with the trademarked and copyrighted private property of your affiant without permission or written instructions from your affiant. Are we correct in making this claim? And if no, please correct us in writing, point- for -point under the penalty of perjury using facts of law.
It is a fact that pursuant to 15 USC 1681M there was a willful non-compliance to compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.
It is a fact that in violation of 15 USC 1681N, XXXX neglected to follow compliance procedures in violation of 15 USC 1681e regarding 15 USC 1681b2.
COMPLAINANT, is a XXXX XXXX XXXX XXXX and beneficiary to the XXXX Treaty of XXXX and XXXX between the XXXX XXXX and the UNITED STATES, said treaty being regarded as the supreme law of the land pursuant to ARTICLE SIX of the CONSTITUTION, whose claim may be referenced by LIBRARY OF XXXX XXXX # XXXX XXXX.
It is a fact, that TRANSUNION LLC AGENTS is a DEBT COLLECTOR as defined by 15 USC 1692a ( 1 ).
It is a fact that pursuant to 18 USC 3663 ( 2 ) TRANSUNION LLC AGENTS has caused affiant to become a VICTIM of IDENTITY THEFT pursuant to 15 USC 1681 a ( q ) ( 3 ) by AGENTS of TRANSUNION LLC AGENTS using the private identifying information of your affiant/victim for commercial purposes without the expressed written permission of your affiant/victim.
It is a fact, that in violation of 15 USC 1681b ( a ) ( 2 ), no written instructions were given validating TRANSUNION LLC AGENTS use of your affiants private information for commercial use.
It is a fact that after stealing the private identifying information of your affiant, in violation of 15 USC 1681d ( 2 ) B, although CONGRESS has instructed that authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card is to be excluded from what may be referenced as a consumer report, TRANSUNION LLC AGENTS did damage to your affiant by refusing to exclude the reporting of the fraud based XXXX XXXX as further destruction of your affiants right to privacy.
In violation of 15 USC 1681 ( e ) TRANSUNION LLC AGENTS willfully and negligently failed to provide proof of investigative consumer reports done as defined in the statute by CONGRESS via any natural person serving as a senior AGENT OF TRANSUNION LLC AGENTS and recorded in writing under penalty of perjury attesting to the evident fact that this affiant was in possession of goods, services, or money regarding the disputed transaction involving said It is a fact that TRANSUNION LLC AGENTS willful noncompliance to 15 USC 1681 ( e ) whereby TRANSUNION LLC AGENTS have refused to provide proof of investigative consumer reports being done as defined by CONGRESS is a violation by TRANSUNION LLC AGENTS of 15 USC 1692 ( e ) 10 as your affiant has been damaged byTRANSUNION LLC AGENTS use of false representation and deceptive means to facilitate debt collection.
It is a fact, that in violation of 15 USC 1681 ( e ) TRANSUNION LLC AGENTS did create investigative consumer reports based on alleged specific factual information damaging to your affiant on several accounts.
It is a fact that TRANSUNION LLC AGENTS violation of 18 USC 3663 ( 2 ) is evidence of TRANSUNION LLC AGENTS violation of 18 USC 1346 by TRANSUNION LLC AGENTS involving affiant in a scheme designed to deprive your affiant of honest services.
It is a fact that in violation of 15 USC 1681 a ( q ) ( 3 ), TRANSUNION LLC AGENTS causing affiant to become a VICTIM of IDENTITY THEFT pursuant to 18 U.S. CODE 3663 ( 2 ) is evidence of TRANSUNION LLC AGENTS violation of 18 USC 1346 by TRANSUNION LLC AGENTS involving affiant in a scheme designed to deprive your affiant of honest services.
It is a fact that COMPLAINANT, spouse and two children have all become aggrieved party/victims as a result of abusive, deceptive and unfair debt collection practices of TRANSUNION LLC AGENTS as defined by 15 USC 1692a after a theft of affiants private identifying information.
COMPLAINANT suffered damage from emotional stress from the personal bankruptcy stemming from TRANSUNION LLC AGENTS unfair and abusive practices and invasions of privacy as mentioned in 15 USC 1692a.
|
| 07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX, MI XXXX Other Last Names :, XXXX, XXXX Date of Birth : XXXX XXXX XXXX : XXXX XXXX _ - _ _ - XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4000.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED EducationaXXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Collection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX.
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it.
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Sincerely, XXXX XXXX
|
| 07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX, MI XXXX Other Last Names :, XXXX, XXXX Date of Birth : XXXX XXXX XXXX : XXXX XXXX _ - _ _ - XXXX XXXX XXXX XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4000.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educ ationa
l with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
US DEPT ED Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$1600.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Telecommunications/Cellular with account # XXXX opened on XX/XX/XXXX and a balance of {$250.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$700.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX XXXX XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Inquiry from XXXX on XX/XX/XXXX.
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Collection account from XXXX with account # XXXX and a balance of {$650.00}. The original creditor is XXXX XXXX.
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it.
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Sincerely, XXXX XXXX
|
| 10/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
Older American |
|
this complaint is regarding TransUnion I had XXXX issues with the same bank only XXXX issue was resolved the second issue is XXXX XXXX XXXX XXXX account they have refused to remove me from write-off status I have valid prior payment arrangements made with them orally they are recorded by XXXX Bank I contacted them after missing XXXX payments to advise them of my recent XXXX I then offered to pay my complete principal balance for my purchase of a pair of jeans that balance was {$61.00} I called them on XXXX XXXX XXXX this phone call was recorded by them they advised you of that at the beginning of the call so all information I am giving you is recorded I began my conversation XXXX XXXX XXXX I offered to pay my full principal balance of {$61.00} and to make payments of {$20.00} per month on the remaining balance of late fees and interest only and they took my debit card number and took {$61.00} from my bank account there by agreeing to the payment arrangements they also offered to waive the equal amount in fees and interest on the {$61.00} principal payment amount which they did.. They. They took out my {$61.00} on XXXX XXXX according to my bank statement I called them to find out when they would take the {$20.00} per month that they had agreed to I gave them my routing number and my bank account number on the recorded conversation to enable them to automatically withdraw the funds electronically from my account to pay off fees and interest no money came out of my account in XXXX other than the {$61.00} that I gave them to pay the principal I called them I have all the dates of all of my phone calls and all of the information provided to me and what I said to them I had customer service in XXXX go through my account and read me all notations of what I asked and what they responded confirming this is what I was asking why are you not taking {$20.00} a month from my account per our payment agreement I was told Buy customer service at XXXX Bank that I should hold and do nothing until I heard from them because my account was in the escalation Department being evaluated I then waited a week or so and did not hear anything back either orally or in writing so I called again and once again was given the same information I was in escalation the apartment and that I would hear from them I continue to call in XXXX and again in XXXX always being told the same thing that I was in escalation I received a letter from them in XXXX XXXX indicating that they had reviewed my dispute and listen to the recording that I made on XXXX XXXX XXXX this would have been before I even opened an account with them my account was open XXXX XXXX XXXX so the letter was not correct they could not have listened to a recording about an account I did n't have yet I have the letter still I then called them again and said you sent me a letter stating that you had listened to my dispute on your recording of my payment arrangements in XXXX XXXX XXXX XXXX months before I ever had an account with you I was then told I was in a write-off status I said how can I be in right off I have valid payment arrangements you accepted money from me you also waive the equal amount in fees and interest I was told it would go back to escalations to be fixed I then received a letter in XXXX responding about a dispute over an NSF check I never put in a dispute about an NSF check I never wrote an NSF check I asked customer service to check my files to see if they saw an NSF check anywhere they did not so I complained again asking why they were not taking {$20.00} a month out of my account for our payment agreement I was told again I would have been written off XXXX XXXX 3 days after they accepted my payment arrangements and took my money and waive fee 's I./they have my payment arrangement on recording making it an oral contract by accepting my money and taking it out of the bank and my waiving fees I had a payment agreement/ contract in place as of XXXX XXXX XXXX that it was on the recording and that I had my bank statements proving they took money and their billing statement showing a waiver of these fees I asked starting in XXXX to speak with a supervisor they would not put me through then finally I got through to XXXX supervisor who hung up on me the next time I called I got a different supervisor who said the recording is too old and I 'm not going to waste my time with it I said I want out of right off I made payment arrangements and you 've been telling me I 'm in an escalation Department no one told me I had been written off why are you not taking the money from my account? he simply said I 'm not listening to any recordings he simply said you have been written off I called back again to speak with another supervisor a couple days later I have all the dates written down that supervisor told me she would look into it and she would get back to me then they began taking {$20.00} a month from my bank account each month between the XXXX and XXXX of the monthfinally beginning in XXXX my {$61.00} pair of jeans and 3 months of past-due which I do not dispute dispute had turned into {$260.00} it 's because I was being told not to do anything I was in an escalation Department. That supervisor never got back to me but the money began coming out of my bank account each and every month they put it as a phone payment which is not true it is an ACH payment electronic it comes out automatically to them from my account I do not call them yet they continue to report me as in write-off on my credit reports currently this is now XXXX they resolved XXXX problem with another account XXXX Bank but they have not resolved the problem XXXX XXXX XXXX which is the main problem it is affecting my credit both financially my home insurance has been raised due to it I have the letter from the insurance company stating it 's because of my credit and I am having trouble finding a smaller apartment I am a senior citizen who lives on XXXX a month I worked for 45 years I get XXXX in Social Security XXXX my mortgage is close to XXXX now my credit was very good now it went to poor I corrected some errors and it brought me to Fair but the primary error has never been corrected or really even addressed and that is that I had prior payment arrangements and was honoring those it is they who refuse to take money from my bank account after my first payment of {$61.00} I called continuously from XXXX through XXXX when they finally started taking the payments I now owe them {$100.00} some of these fees and interest were incurred while they were telling me to hold that I was in escalation when they could have been taking payments and not charging me late fees and interest would have been smaller I am seeking the write off status to be removed from all credit reports they are taking money from me monthly the last corrected report I saw was XXXX XXXX and it showed me {$7.00} past due XXXX XXXX XXXX XXXX Bank that is not true they themselves are taking {$20.00} each month they also reported they had no knowledge of a payment XXXX way or the other in XXXX yet they took money from me in XXXX directly from my bank account this practice is unfair I can prove it they have the recordings I do not they refuse to listen to those recordings that were made prior to the write off they continue to send me letters asking me to make payment arrangements XXXX continue to call them and tell them I had made payment arrangements and what they were and that they were recorded and the date and that they have been taking money from my account since XXXX they have made no attempt whatsoever to even address the issue they sent me in XXXX another form letter regarding a dispute about a missing payment I never put in a dispute about a missing payment because they take it directly from my bank account I want them to take me out of write-off status it is unfair to destroy my credit went all I 've tried to do is pay them they XXXX Bank are working in good faith to resolve this problem at all why I do n't understand what do they gain besides destroying my credit they are getting their money unfair business practice
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| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I hope this letter finds you in good health. I am writing to request your assistance in addressing a matter that has had a profound and distressing impact on my life. I seek your intervention and enforcement of my legal rights in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).
**Violation 1 : Failure to provide a valid reason for the requested removal. ** Over the past months, I have been tirelessly working to resolve inaccuracies in my credit report. The unverified accounts reported by several creditors have severely affected my ability to secure financing, obtain housing, and even secure employment. This has been more than a financial burden ; it has been an emotional and psychological ordeal.
1. XXXX XXXX - Account number : XXXXXXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 2XXXX XXXX XXXX Account number : XXXXXXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 3. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 4. XXXX XXXX XXXX - Account number : XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 5. XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 6. XXXX XXXX XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 7. XXXX XXXX XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 8. XXXX XXXX Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 9. XXXX XXXX Account number : XXXXXXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 10XXXX XXXX XXXX XXXX XXXX Account number : XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 11. XXXX XXXX XXXX Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 12. XXXX XXXX XXXX XXXX - Account number XXXX XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 13. XXXX XXXX XXXX XXXX Account number : XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 14. XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Account number XXXX XXXX XXXX XXXXiolation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 15. XXXX XXXX XXXX XXXX XX/XX/XXXX - Account number XXXX XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 16. XXXX XXXX | XX/XX/XXXX - Account number : XXXX - Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 17. XXXX XXXX XXXX XXXXXX/XX/XXXX - Account number : XXXX XXXX Violation : Failure to provide a valid reason for the requested removal.
- FCRA Violation : Section 611 ( a ) - Requirement of Timely Investigation, Section 611 ( b ) - Maximum Time for Investigations, Section 611 ( c ) - Prompt Notice of Dispute to Furnisher of Information 18. XXXX - Account number : XXXX - Violation : Duplicate entry ; listed twice.
- FCRA Violation : Accuracy and completeness of the information.
19. XXXX - Account number : XXXX - Violation : Duplicate entry ; listed twice.
- FCRA Violation : Accuracy and completeness of the information.
I want to share with you a personal story to underscore the emotional toll this situation has taken on my life. Last year, I applied for a mortgage to fulfill my lifelong dream of owning a home for my family. However, due to these inaccuracies in my credit report, my mortgage application was denied, and my dream was shattered. I had to explain to my young children why we couldn't move into the house they had eagerly anticipated as our new home. The disappointment in their eyes was heartbreaking.
I have spent countless hours on the phone, writing letters, and submitting disputes to correct these inaccuracies to no avail. My financial future, my family 's well-being, and my mental health have all suffered as a result of these unverified accounts and duplicate entries on my credit report.
In light of the aforementioned violations and the profound impact on my life, I kindly request that you take swift and decisive action to enforce my legal rights under the FCRA and FDCPA. Specifically, I urge you to compel the creditors to remove these unverified accounts from my credit report, thereby restoring my financial stability and peace of mind.
I appreciate your attention to this matter and your commitment to protecting consumer rights. I am hopeful that your intervention will bring about the resolution and justice I so desperately seek.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
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| 12/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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I wanted to update my earlier complaint but I was unable to so I am submitting a new complaint but it should be known that their is a previous complaint from the other day. This had the most pertinent information As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), it is emphasized that consumer reporting agencies must carry out their significant responsibilities with fairness, impartiality, and a regard for the consumer 's right to privacy. XXXX and XXXX and Transunion, being consumer reporting agencies, and I, as the consumer, have the explicit right to ensure the protection of my private information, as supported by 15 USC 6801. This statute articulates the Congress 's policy that financial institutions have an ongoing obligation to respect the privacy of their customers and safeguard the security and confidentiality of their nonpublic personal information.
Entities that furnish information to credit agencies, categorized as financial institutions, are bound by 15 USC 1681 section 604 ( a ) ( 2 ), which specifies that consumer reporting agencies may only provide a consumer report in accordance with the written instructions of the concerned consumer. The financial institution, XXXX, XXXX, Transunion and any furnisher of information to credit agencies, do not possess my consent to furnish this information, and certainly not my written consent. I hereby revoke any and all forms of consent, whether verbal, non-verbal, written, implied, or otherwise, to XXXX, XXXX, Transunion and any furnisher of information to credit agencies.
Furthermore, as outlined in 15 USC 6802 ( b ) ( c ), a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about the option to exercise nondisclosure. The furnisher of information to credit agencies failed to inform me of my right to exercise this nondisclosure option. Additionally, 15 USC 1681c ( a ) ( 5 ) explicitly prohibits consumer reporting agencies from including certain adverse information in consumer reports, especially without the consumer 's permission, which is the case with the account in question.
Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A emphasizes that information should not be furnished to consumer reporting agencies if there is knowledge or reasonable cause to believe that the information is inaccurate. XXXX and XXXX and Transunion are not adhering to reasonable procedures, as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to maintain procedures designed to avoid violations of specific sections and limit the furnishing of consumer reports to specified purposes.
Finally, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of your reporting services at this time.
Hard inquires Here is a list of businesses that they freely gave out my personal non-public private info. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX Company XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This XXXX XXXX XXXX to continue on XXXX until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, New XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bank - Installment Loans XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Companies XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX This inquiry is scheduled to continue on record until XX/XX/XXXXXXXX XXXX
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| 05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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For the past several months I have been disputing inaccurate information with XXXX, XXXX and Transunion on the following accounts with the following details : XXXX XXXX XXXX High balance Date of last activity Date opened Date of last payment Closed date XXXX XXXX XXXX High balance Date opened Date of last payment Closed date Date of last activity XXXX XXXX. XXXX Date opened High balance Date of last payment Date of last activity Closed date All three bureaus claimed they verified the information is accurate, but one look at my attached credit report shows several inaccuracies regarding these items still exist.
These bureaus failed to follow reasonable procedures to ensure maximum accuracy of credit reports it prepared concerning XXXX XXXX and These bureaus failed to investigate the credit report inaccuracies in response to my disputes.
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. was enacted to require the consumer reporting agencies to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 15 U.S.C. 1681 ( b ).
Under the FCRA, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum accuracy of the information concerning the individual ab out whom the report relates. 15 U.S.C. 1681e ( b ).
Under the FCRA, if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30 - day period beginning on the date on which the agency receives the notice of dispute from the consumer. 15 U.S.C. 1681i ( a ).
In conducting any reinvestigation under 1681i ( a ) ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in 1681i ( a ) ( 1 ) ( A ) with respect to such disputed information. 15 U.S. C. 1681i ( a ) ( 4 ).
Under the FCRA, any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; such amount of punitive damages as the court may allow ; and the costs of the action together with reasonable attorneys fees. 15 U.S.C. 1681n.
Under the FCRA, any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure, the costs of the action together with reasonable attorneys fees. 15 U.S.C. 1681o.
If a consumer disputes the data provided by a furnisher to the bureaus, the bureaus purport to contact the furnisher to verify the information. If that information is not verified, The bureaus purport to place a flag on the trade line to prevent it from being presented on a consumers credit report.
The inaccurate disputed information remains on my Transunion credit profile to this day. More specifically, on XXXX # XXXX, the date opened, date of last activity, term length, last payment and the high balance still varies across the three bureaus and are inaccurate. On XXXX # XXXX, the date opened, date of last activity, term length, and the high balance varies across the three bureaus and are inaccurate. On XXXX # XXXX, the date opened, date of last activity, and the last payment date varies across the three bureaus and are inaccurate.
On or about XX/XX/XXXX, I received a letter from XXXX essentially stating they completed their investigation and verified the disputed information was accurate. In this instance, XXXX did not conduct a reasonable investigation because the erroneous information remained.
On or about XX/XX/XXXX, I received a letter from XXXX stating we will not be conducting further investigation into this particular accounts ( s ) .., refusing to investigate my dispute. In this instance, XXXX failed to investigate.
The inaccurate disputed information remains on my XXXX credit profile to this day. More specifically, on XXXX # XXXX, the date opened, date of last activity, term length, last payment and the high balance still varies across the three bureaus and are inaccurate. On XXXX # XXXX, the date opened, date of last activity, term length, and the high balance varies across the three bureaus and are inaccurate. On XXXX # XXXX, the date opened, date of last activity, and the last payment date varies across the three bureaus and are inaccurate.
On or about XX/XX/XXXX, I received a letter from XXXX stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request, refusing to investigate my dispute. In this instance, XXXX failed to investigate.
I sent another dispute letter to XXXX regarding the same inaccuracies on or about XX/XX/XXXX.
On or about XX/XX/XXXX, I received another letter from XXXX stating We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request, refusing to investigate my dispute. In this instance, XXXX failed to investigate.
By allowing the data furnishers to repeatedly and on an ongoing basis not only furnish, but supposedly verify, incorrect information, the bureaus fail to have reasonable policies and procedures in place to ensure the maximum possible accuracy of the information they report, in violation of the FCRA.
As the result of its violations of the FCRA, the bureaus are liable to me for statutory and punitive damages, as well as attorneys fees and costs. 15 U.S.C. 1681n.
The bureaus conduct and actions were willful. The language of section 1681e ( b ) is pellucidly clear and there is no reasonable reading of the statute that could support the bureaus actions.
The bureaus received notification that the data furnishers were continuously reporting, and verifying, erroneous information that was inaccurate. Nonetheless, the bureaus willfully, deliberately and intentionally reported and maintained the incorrect information furnished by data furnishers on my credit reports, continued to do so after I disputed the accuracy thereof.
As a result of the bureaus conduct, I have suffered concrete injuries. I have fraudulent and inaccurate credit information defamatorily disseminated to third parties, and have have my credit scores significantly damaged by this information, resulting in less-preferable credit terms and even denial for loans and other sources of credit. I have further had my time wasted and expenses incurred in having to dispute these blatant inaccuracies, sometimes repeatedly, due to the bureaus failures. Additionally, I Have suffered the resulting frustration, XXXX, and emotional distress associated with the reporting of this fraudulent information which has subjected him to abusive credit reporting practices from which they have a substantive right to be free.
The bureaus violations of the FCRA were willful. Accordingly, I am entitled to statutory, actual, and punitive damages under 15 U.S.C. 1681n.
Additionally, The bureaus violations of the FCRA were negligent. Accordingly, I am entitled to statutory and actual damages under 15 U.S.C. 1781o.
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| 10/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is what was submitted for XXXX XXXX bank I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account in question : XXXX account number : XXXX account type : installment account account type - detail : installment account bureau code : individual account account status : closed monthly payment : XXXX date opened : XX/XX/XXXX balance : XXXX number of months ( terms ) : monthly high credit : XXXX payment status : charged off as bad debt comments : account information disputed by consumer this account is also reporting missed payment which is a false representation because something that is paid in full the moment it is purchased can not possibly merit a late payment. XXXX and transunion have deleted this fradulent garbage from my report it is in the best interest of you and yours to delete this information from my consumer credit file.
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| 03/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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RE : Accounts Below Listed - XXXX. XXXX XXXXXXXX - XX/XX/XXXX Late Payment XXXX. XXXX XXXX - XX/XX/XXXX Late Payment XXXX. XXXX XXXX - XXXX XXXX to XX/XX/XXXX XXXX Payments XXXX. XXXX XXXX XXXX - XX/XX/XXXX to XX/XX/XXXX Late Payments XXXX. XXXX - XX/XX/XXXX Late Payment I, XXXX XXXX XXXX XXXX give this Notice as the Subrogee and Obligor, I am formally requesting that you immediately remove any late payments associated with this above-referenced account. As I am currently doing my due diligence process to ensure all guidelines are being met by Equity Doctrines, TILA, Dodd-Frank Wall Street Reform and Consumer Protection Act, and the Consumer Financial Protection Act of 2010. While this is taking place it is completely unlawful to report an account as being late. Please adhere to Title 15 U.S.C. 1666 ( a ) and 1666 ( b ). No consent has been given for adverse reporting by the surety.
Take Notice. The undersigned natural person as Surety and Trust Beneficiary, XXXX XXXX XXXX swear and declare as follows under a penalty of perjury : This notice is regarding relation in regards to Suretyship between myself and the Principal Debtor assumed name XXXX XXXX, and your organization as implied Trustee. I invoke my equitable right of subrogation regarding this debt and seek restitution. In addition, this notice is also regarding the participation in a consumer credit transaction and not a loan ; pursuant to 15 U.S. Code 1602 ( i ) ; No proof of original contract and signature, no valid debt verification, no evidence of itemized billing to distinguish finance charge, and no proof of authority to collect debt in the state of North Carolina has been received, after mailed information requests for said information. No evidence that a commercial and economic loss on the balance sheet has been provided by the listed accounts 1-11, to rectify this matter and it has yet to be resolved.
Take Notice. Any Government collections such as student loans by anyone must abide by Fair Debt collection requirements for government contracts and government-owned debts. Title 31 U.S. Code 3718 ( b ) ( 6 ) provides ( 6 ) Notwithstanding the fourth sentence of section 803 ( 6 ) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692a ( 6 ) ), a private counsel performing legal services pursuant to a contract made under paragraph ( 1 ) of this subsection shall be considered to be a debt collector for the purposes of such Act.
Take Notice. In Newby v. Enron Corp., 188 F. Supp. 2d 684 ( S.D. Tex. 2002 ) the Court held that federal courts have the equity jurisdiction that was exercised by the English Court of Chancery " `at the time of the adoption of the Constitution and the enactment of the original Judiciary Act, 1789 ( 1 Stat. 73 ). ' '' Id. at 318, 119 S. Ct. 1961 ( quoting DOBIE, HANDBOOK OF FEDERAL JURISDICTION AND PROCEDURE 660 ( 1928 ) ). The Court further noted that regardless of the merger of the formerly separate courts of law and equity by the Federal Rules of Civil Procedure, " `the substantive principles of Courts of Chancery remain unaffected. ' '' Id. at 322, 119 S. Ct. 1961 ( quoting Stainback v. Mo Hock Ke Lok Po, 336 U.S. 368, 382 n. 26, 69 S.
Ct. 606, 93 L. Ed. 741 ( 1949 ) ).
Take Notice. Equitable Subrogation is forward looking rooted in the equity maxim... equity regards done what ought to be done. Equitable subrogation is not founded upon contract, but is the creation of equity, and is enforced solely for accomplishing the end of substantial justice. It is the mode by which equity adopts to compel the ultimate payment of a debt by one who, in justice and good conscience, ought to pay. Equity delights in equality. Equity will not suffer a wrong without remedy. Equity will not allow a statute to be used as a cloak for fraud.
Take Notice. " The same equity which seeks to prevent unearned en-richment of one party, at the expense of another, by actions for reimbursement, con-tribution, and exoneration, operates here, by creating a relation somewhat analogous to a constructive trust, in favor of the subrogee, or party making the payment, in all legal rights held by the creditor, and the subrogee may proceed to enforce the trust. '' 5 POMEROY, EQUITY JURISPRUDENCE, 4th ed., sec .
2343 ( 1919 ). Lackawanna Trust Co. v. Gomeringer, 236 Pa. 179, 84 Atl. 757 ( 1912 ).
Pomeroy has had in this respect a profound influence on American courts who were evidently led to conceive of sub-rogation as but another remedy for unjust enrichment ; but the early cases will hardly support sc ) broad a statement. The similarity between liens and subrogation is obvious where subrogation results in a lien. But the similarity to which we here refer lies both in the equities upon which such relief is based and in the method of enforcement.
Take Notice. Subrogation the substitution of one ( person ) in the place of another with reference to a lawful claim, demand, or right, so that he or she who is substituted succeeds to the rights of the other in relation to the debt or claim, and its rights, remedies, or securities.
Subrogation. ( n.d. ) A Law Dictionary, Adapted to the Constitution and Laws of the United States. By John Bouvier ( 1856 ) Take Notice. The substitution of one thing for another, or of one person into the place of another with respect to rights, claims, or securities. Subrogation denotes the putting a third person who has paid a debt in the place of the creditor to whom he has paid it, so as that he may exercise against the debtor all SUBROGATION SUBSTANTIAL DAMAGES, the rights which the creditor, if unpaid, might have done. The equity by which a person who is secondarily liable for a debt, and has paid it, is put in the place of the creditor, so as to entitle to make use of all the securities and remedies possessed by the creditor, in order to enforce the right of exoneration as against the principal debtor, or of contribution against others who are liable in the same rank as himself.
See Blacks Law Dictionary 2nd Edition Take Notice. Pursuant to 15 USC 1681 a ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Should be excluded from a consumer report. The definition of a credit card under 15 USC 1681 is the same as it is under 15 USC 1602 ( I ) which is the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit. Notice, Congress said ANY card. The credit card is my social security card and the attached records to SS account ending 4719. This is the credit card I used to originate every consumer credit transaction below. They should all be removed from my consumer report pursuant to 15 USC 1681 a ( 2 ) ( B ). I am demanding that you remove these Transactions from my report immediately as they are a violation of my rights as a federally protected consumer under title 15 Chapter 41.
Take Notice. Title 15 U.S. Code 1611- Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, ( 2 ) uses any chart or table authorized by the Bureau under section 1606 of this title in such a manner as to consistently understate the annual percentage rate determined under section 1606 ( a ) ( 1 ) ( A ) of this title, or ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both.
Take Notice. Title 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Take Notice. Title 15 U.S. Code 1681o - Civil liability for negligent noncompliance.
Notice to Agent is Notice to Principal - Notice to Principal is Notice to Agent.
I declare under a penalty of perjury the aforementioned statement to be true and accurate to the best of my knowledge.
XXXX XXXX XXXX XXXX XXXX Natural Person, Consumer, Subrogee XXXX XXXX XXXX XXXX XXXX, NC XXXX
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| 07/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Subject : This Dispute was not Removed off my Credit Profile!!
This letter is a formal complaint to XXXX, XXXX XXXX TRANSUNION that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Below is the correct address that should be on all 3-credit bureau. XXXX XXXX XXXX, TX XXXX Resident type Single family XXXX XXXX XXXX # XXXX XXXX, TX XXXX Resident type Business There are 28 invalid and inaccurate addresses listed as my place of residence 3 invalid phone numbers, 5 invalid personal name and 3 invalid employers. I currently reside at XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is my employer, and I do not wish to have a phone number listed on my credit report. I have enclosed a bills that will help verified that my legal residence is the one listed here. Due to concerns for identity theft please delete all invalid addresses and phone numbers. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your reinvestigation. Note : ID Fraud victim alert FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. Sincerely, XXXX XXXX XXXX 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : ID : Current Name PLEASE SUBMIT A COPY OF YOUR SOCIAL SECURITY CARD, DRIVER 'S LICENSE AND/ OR AN OFFICIAL DOCUMENT TO UPDATE YOUR NAME. ID : Former Address AN ADDRESS THAT HAS BEEN VERIFIED WILL REMAIN ON THE CREDIT FILE. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address AN ADDRESS THAT HAS BEEN VERIFIED WILL REMAIN ON THE CREDIT FILE. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Address THE DISPUTED ADDRESS HAS BEEN DELETED. ID : Former Name THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. NON REPORTING DISPUTES Employment : FIRST CLASS TRAINING THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Employment : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Employment : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Name PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. Employment : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Employment : XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Employment : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. ID : Current Address PLEASE BE ADVISED THAT THE DISPUTED ITEM IS NOT REPORTING ON YOUR XXXX CREDIT FILE. IN REFERENCE TO YOUR QUESTION REGARDING THE INVESTIGATION PROCESS : UPON RECEIPT OF YOUR DISPUTE, WE FIRST REVIEW AND CONSIDER ANY RELEVANT INFORMATION YOU SUBMITTED REGARDING THE NATURE OF YOUR DISPUTE. OFTEN, XXXX WILL THEN TRANSMIT YOUR DISPUTE TO THE FURNISHER OF THE INFORMATION ( IE. THE BANK ASSOCIATED WITH A DISPUTED CREDIT CARD ) FOR REVIEW AND INVESTIGATION. XXXX ELECTRONICALLY SENDS A NOTIFICATION OF YOUR DISPUTE, INCLUDING A SUMMARY OF THE RELEVANT INFORMATION SUBMITTED, TO THE RESPECTIVE FURNISHER. THE FURNISHER REVIEWS THE INFORMATION PROVIDED, CONDUCTS AN INVESTIGATION WITH RESPECT TO THE DISPUTED INFORMATION AND REPORTS THE RESULTS BACK TO US ELECTRONICALLY. IN THE CASE OF A PUBLIC RECORD ITEM SUCH AS A JUDGMENT, TAX LIEN OR BANKRUPTCY, XXXX SEEKS THE MOST RECENT FILING ASSOCIATED WITH THE DISPUTED INFORMATION. THIS INFORMATION IS OFTEN OBTAINED FROM A MEDIUM ( IE. PAPER RECORDS OR COMPUTER DATABASE ) PRESCRIBED BY THE SOURCE OF THE INFORMATION ( IE. COURTHOUSE OR OTHER GOVERNMENT ENTITY ). XXXX MAY USE A BUSINESS VENDOR TO OBTAIN THE MOST RECENT FILING FROM THE PUBLIC RECORD SOURCE. AS APPROPRIATE, XXXX THEN MAKES DELETIONS OR CHANGES TO YOUR CREDIT FILE. THE NAME, ADDRESS AND, IF REASONABLY AVAILABLE, THE TELEPHONE NUMBER OF THE FURNISHER ( S ) /SOURCE ( S ) OF THE INFORMATION CONTACTED WHILE PROCESSING YOUR DISPUTE ( S ) IS SHOWN UNDER THE RESULTS OF YOUR INVESTIGATION SECTION ON THE COVER LETTER THAT ACCOMPANIES THE COPY OF YOUR REVISED CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit XXXX. With XXXX, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free XXXX credit reports and other products. You may also obtain a free copy of your credit report on annualcreditreport.com.
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| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is my last report " I was looking at my credit report for the first time in a long time and I was surprised to see many many unauthorized inquiries. I am not a credit person. I dont know how there could be that many inquiries under my name. I sent in a letter to XXXX, XXXX, and transunion regarding inaccurate information on my account already but they only removed some information. I had no luck with all the other unauthorized and inaccurate info listed on my credit profiles. These are the unauthorized inquiries that I saw Transunion reporting... XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On my XXXX report I saw an inaccurate inquiry from... US DEPARTMENT OF EDU XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX I also noticed some accounts from XXXX XXXX XXXX on my report which I did not open or use. Credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! The presence of inaccurate information such as the unauthorized XXXX XXXX account seen on my credit report is adversely affecting and impeding my ability to obtain necessary credit. Please close and delete any accounts associated with XXXX XXXX XXXX because it is not mine! All this inaccurate information should not be linked to my credit report anymore and is 100 % inaccurate. Again, credit reporting laws ensure that bureaus only report 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The listed information above therefore needs to be re-investigated and removed because it is inaccurate! The presence of inaccurate information on my credit report is adversely affecting and impeding my ability to obtain necessary credit. Please remove this information off my credit report. If not, I am requesting that an investigation be launched as according to Federal FCRA LAWS. I am in utter disagreement with mentioned accounts, inquiries, late payments on my credit report. If an investigation is launched, in accordance with the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, please provide me with the names and businesses addresses of each individual with whom you verified the informations with so that I can follow up. Please foward me an updated credit report after any corrections. I really appreciate your help through this situation of mine. Here below I have my report number for my IDENTITYTHEFT.GOV report. I also included the identity theft government report in my attached files at the bottom of this report. XXXX My report with the XXXX ( XXXX XXXX XXXX ) is also in the process of filing. After calling and speaking with representative after representative and not being able to fix my problem, I am frustrated and done. Ive now sent letters to investigate the inaccurate information directly to the 3 major credit bureaus as well. Please help me resolve my credit report and make sure everything is correctly reported as according to federal FCRA Laws. Thank you so much. '' I recently sent this letter to the bureau to request investigation information again, after they did not provide it when I asked the first time. In this letter I also requested they re-investigate the disputed account and come back with proof of it. Here it is below, " Request for Past Personal Information to Be Removed From My Credit Report Instructions USPS certified mail ( addresses below ) : XXXX XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX, GA XXXX Transunion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX TransUnion Consumer Solutions : XXXX XXXX XXXX XXXX, PA XXXX Keep a record of the time stamped USPS certified mail being delivered.
Date : XX/XX/XXXX Name : XXXX XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, MO XXXX SS # : XXXX Credit Bureau Name : Transunion Consumer Solutions Credit Bureau Address : XXXX XXXX XXXX XXXX , PA XXXX Please note that this letter has been sent by certified mail.
Request to Investigate and delete Inaccurate Information and Inaccurate Derogatory Account Dear Sir/Madam, Based on my most recent credit report, your company, Transunion Consumer Solutions , is still publishing an inaccurate XXXX XXXX credit card account / chargeoff on my profile which is not mine!
Please launch a re-investigation on this item and help me fix this error on my profile. I have been back and forth with you guys furnishing bad and inaccurate information on my credit report and I am done. Please help me fix this.
Revolving Account # XXXX Credit Card Individual Derogatory Date Opened : XX/XX/XXXX Balance : XXXX Payment Status : Collection/Chargeoff Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On top of the item not being mine to begin with, it is inaccurate! I noticed these inaccuracies above just off looking at my report for 15 seconds!
Please follow proper credit laws and launch an re-investigation for me on this inaccurate item. Furthermore, in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up with them.
According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, section E ( Duty of person after receiving notice of dispute ), you need to ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ALongside that, according to the FCRAs section 609, the burden to provide proof of this account is placed on you guys. If your investigation does not come back with original documentation with signature to confirm the debt, it is necessary that you guys remove it from my profile.
My report number for my report with the Federal Trade Commission or identitytheft.gov is below.
On top of that, i have went through the Consumer Financial Protection Bureau and filed a report with them to look over this entire process.
XXXX I will also make necessary contact with the XXXX XXXX XXXX and the Attorneys General to pursue legal action if you guys continue to not follow proper credit reporting laws.
The presence of this inquiry and derogatory account is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within 30 days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry from my report. I also request a description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this re-investigation.
Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well and is due to be provided within 15 days of the completion of your re-investigation.
Thank you respectfully. Seriously, thank you.
XXXX XXXX '' Please help me get this fraudulent account off my credit file. It has affected my life for way too long now.
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| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Virginia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. XXXX XXXX XXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
2. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
3. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
4. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
5. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
6. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
7. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
8. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
9. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
10. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
11. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
12. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
13. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
14. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
15. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
16XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
17. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
18XXXX XXXX XXXXXXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
19. XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
20. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
21. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
22. XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Virginia XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Thomas Ward Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 05/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX-XXXX XXXX/XXXX XXXX XXXX
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| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account In question : XXXX XXXX XXXXXXXX XXXX account number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX off as bad debt ( transunion ) charge - off ( XXXX ) COMMENTS : ( XXXX ) XXXX XXXX XXXX item disputed by consumer, account previously in dispute - now resolved, reported by data furnisher ( to be used for FCRA or FCBA dispute ) this account has already been removed from my XXXX consumer Credit file due to The " creditor '' not being able to validate the account. I highly recommend that you follow in the same footsteps.
be well aware that any action other then deletion of this account from my consumer credit file is and will be considered Adverse action pursuant to 15 USC 1681a ( k ) ( 1 ).
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXX XXXX Account to provide my personal information to XXXX, Trans Union, XXXX, XXXX, XXXX XXXX, XXXX.
Per 15 USC 6802-6805 and
16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to XXXX ACCURACY.
I never gave XXXX XXXX XXXXXXXX the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and XXXX XXXX Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX XXXX provide me with ALL the below mentioned items : XXXX original contract with this company * Original Wet Signature on the contract XXXX XXXX calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( XXXX ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, I was suppose to receive a XXXX in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law XXXX XXXX XXXX - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( XXXX ) days to investigate this information, and during this period of time, all collection activities must be stopped.
If XXXX XXXX XXXX fails to respond to this debt validation request within a period of XXXX ( XXXX ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 Respectfully, XXXX XXXX
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| 08/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have already filed a complaint with XXXX, XXXX, and Transunion and their response was that they could not find me in their system or other excuses to further delay the process of them doing there job. However, I pay them all {$30.00} a month to monitor my credit so I find that really strange that they arent able to find me in their system under my Social Security number or they are needing more time, or a hundred other excuses that they have used mean while my life is being severally impacted by there lack of awareness and want to do anything to correct an issue that they are now aware of and orginally allowed to happen ... .. nevertheless.
I am trying for probably the 10th time to get them to respond to what I need removed from my credit report due to fraud. My identity has been stolen more than once. I have filed with the federal trade commission. I have changed my Drivers License and I dont want to but I am closet to changing my Social Security Number leaglly with the IRS who i have already had a meeting with and was told they would allow me to due to the severity of the case.
I have also made other formal complaints to XXXX, XXXX, & Transunion and I have made complaints on the CFPB websote. However, the response is always something that is not complete, nor makes any sense because I am able to find myself in their system, and so are other lenders when I go to apply for credit and everyone else is able to see these fraudulent items on my credit report without problem but then when I bring it up to the 3 reporting agencies needing it removed they act like they can not work there own system and take the time to corrrect it they just allow there automated systems to generate slow repsonses that drag on the process and ignore the issue becuase they dont want to take the time to remove the items.
Over all the student loans that are listed on my credit report are from fraud and even the orginator of the loans can see this. They have removed me from the loans and when you go to there website and search with my SSN Number to see what all loans are there under my name there are none anymore. They where able to see that the signature on the loans are not mine and some of them are not even signed. Also, you can see when and where i was actually in school at the time because I recieved other financial aid through government funding that was FREE money in the form of grants becasue i grew up poor ... ..not STUDENT LOANS and that money paid all of my schooling, books, and room/board. On top of that i receieved XXXX XXXX to pay fo the rest. The school and FASFA would not of even allowed me to take out these loan as there was no debt owed at the start or end of any of the semesters of school for me to of even been ablet to qualify for that amount of student loan dollar amount taken out.
The servicer of the dents orginally took me off of the loans... Then when realizing it was fraud and in a last ditch effort to save them money sold the dent under someone elses name, I am assuming the would be purpotrator.
So not only are you reporting debts that are no longer tied to my SSN by the orginal creditor but you are also reporting denbts under the wrong compnay.
These need to be removed immediatlry. I have asked enough time that it is time you do something! I do not want to have to sue you over this but I will. I can not have this ruin and control my life like it has for so long already. Please remove any and all of the items that I have listed below. I can prove that I was not living in the same state as these lines of credit and loans were taken out at the time. I have spoken to the companies that have backed these loans and they can clearly see that my Social Security number is not the one that is attached to them especially on the student loan side. All of the dents listed below do not have my signture on them and some haveno signature at all. Some of these dents have already been taken off of some XXXX XXXX and transunion and some of them have not. But every singel one of them needs to come off of all 3 of the credit beures. I have spoken to all of the creditors and they agree. They even agree that some of them have the wrong dates and have passed the statue of limitations 3-5 years in the state of oklahoma where i reside.
The perpetrator paid on these loans for period of time in order for it to not look suspicious before he or she ran off on the loans and stopped paying. However they stopped paying these way back in XXXX, and i did not notice them or have the means to fix them until recently. There has also been other dates friom fraud that i have had removed. That where similar.
However, I need these removed immediately from my credit report. They are wreaking havoc on my overall financial health and my life. This is a response to the original response to my request that my identity has been stolen more than once. I do not know if it was by the same person or a different person. However, they have taken out many of loans and fraudulently paid on some of these loans, even though they had taken them out on these loans include vehicles, student loans, credit cards and lines of credit for things like segways, etc.
I have contacted and spoken to them as I see that you have not. I have called XXXX and the account number is not mine, the signature is not mine. The same goes for the signature and the ourt documents from the segway reposession ( THIS HAS ALREADY BEEN REMOVED FROM XXXX AND NEEDS TO BE REMOVED FROM XXXX AND TRANSUNION ) If you had talked to these compnaies and the student loan servicing compnay you would know that my Social Security number is not the one listed on the loan documents and I did not go to those colleges and take out those loans.
I can prove that I was living in different state than those loans originated in during those times. I have spoken to this matter with XXXX, and the other servicer and they have taken me off of the loans on their side.
However, I need you guys to remove them off of my credit report, as well as a vehicle that was fraudulently listed and taken out by a line of credit in my name from XXXX and I guess was later recovered and charged off by them, as well as a line of credit for a XXXX
Some of these lines of credit have been paid on for a period of time. I believe that the perpetrator who stole my identity paid on them, so that way they were not be any suspicion around the initial loan generation. But that was over 7 years ago when the last payemnt took place.
Please remove any and all of the debts I have listed below, these deaths do not belong to me, and they are controlling and disrupting my life to a great matter. I did not give permission for you guys to list these in your database, and I also am not the guarantor of these loans or lines of credit they need to be removed immediately and not placed back on to my report under my Social Security number, In accordance with the Fair Credit Reporting Act, the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. Online In Service Account : : XXXX XXXX : XXXX : : XXXX : XXXX : : Department of XXXX XXXX Department of XXXX XXXX Department of EdXXXX XXXX Department of EdXXXX XXXX XXXX XXXX Department Education XXXX Department of EducationXXXX Department of Education XXXX 15 U.S.C 1681 Section 602 A , states that I have the right to privacy . 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has any reasonable cause to believe that the information in inaccurate.
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL. NOTICE OF PENDING LITIGATION SEEKING R
ELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your
company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Law Firm XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have try to resolve this issues with TransUnion, XXXX, and XXXX but no results.
I recently reviewed my credit report and found unauthorized inquiries.
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose.
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F
) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after anyreinvestigation und
er paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete TransUnion Inquiry - these are unauthorized inquires.
XXXX XXXX Inquiry : XX/XX/XXXX+ Bank ( XXXX ) XXXX XXXX XXXX/XXXX XXXX Inquiry : XX/XX/XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Miscellaneous ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Bank ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Travel/Entertainment ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX FS Inquiry : XX/XX/XXXX + Finance/Personal ( XXXX ) XXXX XXXX unauthorized inquires XXXX XXXX Inquiry : XX/XX/XXXX + Credit Unions Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, Old Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Sales Financing XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX+ Automobile Dealers, New XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX - XXXX XXXX Inquiry : XX/XX/XXXX + All Banks ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + All Banks Contact the inquirer : MAIL ONLY XXXX XXXX # XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX+ Credit Unions XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing ( XXXX ) XXXX XXXX - XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + Miscellaneous Utilities Contact the inquirer : MAIL XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Auto Financing Contact the inquirer : MAIL ONLY XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Personal Loans Cos.
XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX + Automobile Dealers, New ( XXXX ) XXXX XXXX unauthorized inquires.
XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX/XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Reseller Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX/XXXX XXXX Automobile Dealers, New Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Equipment Leasing Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX In additionally all these company has incorrect address listed for me : The addresses are : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX All address above is incorrect. I never lived there.
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Notice to Principal is notice to Agent, Notice to Agent is notice to Principal Administrative Procedure ( 5 USC 551-559 ) This Affidavit is Governed according to the law Merchant Private Judicial Notice , Private legislation Let XXXX be our Judge as he has set the Watchers to watch over Man To : XXXX, Transunion, and XXXX From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Comes Now, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX of The XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX here to settle all matters dealing with the principal debtor. As an Investor of the United States, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have dominion over all rights/interest of the principal debtor, all enjoyments, proceeds, titles, deeds, bonds, chattel papers and securities are due unto me as I have the right of subrogation as the holder in due course. All property of the Precedent vested Estate has been conveyed into the Jurisdiction of the The XXXX XXXX XXXX.
2. The information that you are using in the public selling consumers private information to make a profit is private property of the XXXX XXXX XXXX XXXX. You have not received permission to use, nor have you compensated the beneficial owner of the private trust property. All of your credit reports are inaccurate as I am the original creditor that has extended credits to all financial institutions making any reports to you about the principal, I am in care of XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
3. Can you show proof of possession that you are the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]? Can you show proof of possession of an equitable title or certificate from the Trust with rights of use of the private property of the Trust?
4. This Matter creates a constructive trust, and you are now being appointed fiduciary with limited power to act on behalf of the Precedent Vested La
nded Estate. Since you are assuming the position as debtor in respect to property held in the XXXX XXXX XXXX XXXX and using the private property to make a profit in the public without compensating the beneficial owner, I now demand from you the following things : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, is Reporting fraud by stating there are late payments, you are apart of this conspiracy by also reporting the fraud as well. Also, any charged off accounts is income owed to me and income should not be reported on the consumer report. I demand you report that all payments are fully current and there are no late payments and 0 missed payments.
2. I demand that the consumer credit score of the Precedent Vested Landed Estate [ XXXX XXXX XXXX ] stay at XXXX and always in perfect standing.
XXXX. Remove all hard inquires XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/2022 XXXX OF XXXX ( AUTO ) XX/XX/2022 XXXX XXXX XXXX ( AUTO ) XX/XX/2022 XXXX XXXX XXXX ( AUTO ) XX/XX/2022 XXXX XXXX ( AUTO ) XX/XX/2022 XXXXXXXX XXXX XXXX ( FINANCE ) XX/XX/2022 XXXX XXXX ( FINANCE ) XXXX XXXX XXXX OF XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( AUTO ) XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( AUTO ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX ( FINANCE ) XXXX XXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXXXXXX XXXX XXXX ( FINANCE ) XXXX XXXX 5. Can you or the corporations making fraudulent reports show proof of possession of the original negotiable instrument in order to enforce the instrument? Can you Show proof the original note was not destroyed voluntarily by way of securitization discharging all debt?
6. Claiming there is an alleged debt when the Bill/note was destroyed by way of securitization therefore fully discharging all debt between parties according to U.C.C 3-604 ( a ) A person entitled to enforce an instrument, with or without consideration, may discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.
This is fraud and misrepresentation of the material facts, the character and legal amount of debt. This is an ultra vires act, usurping powers that are not within your charter/Bond nor authorized by law.
Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes fraud, and entities party deceived to avoid contract or recover damages. XXXX XXXX XXXX. V. BXXXX XXXX XXXX XXXX., 92 F 2d 817.
Mr. Justice XXXX said : The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked to often. XXXX XXXX XXXX. V. XXXX XXXX XXXX, 103 XXXX 125, 79 NW 229 XXXX XXXX XXXX. v. XXXX XXXX XXXX , 194 NW 430 7. WHEREAS As all government entities and alleged private corporations must be a creature of the American Constitution, this is a formal Request and Command for you to produce for the record, the Legislative Act that created your Authority to 1 ) enforce an instrument you are not in possession of, 2 ) or to enforce an instrument that was destroyed by way of securitization a voluntary act to discharge all debt. 3 ) Prove your authority to legislate over the Precedent Vested Landed Estate [ XXXX XXXX XXXX ] Private Property of THE XXXX XXXX XXXX. Take notice that a de facto basis for powers of authority is not sufficient in this matter. Failure to provide proof of your de jure authority appointed from the Executor Office of the Precedent Vested Landed Estate [ XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX constitutes your actions as ultra vires and by operation of law your Charter is dissolved by usurping powers you do not have, a trust arises, and I become beneficiary of said trust. As beneficiary to your dissolution, I special deposit for credit on account and order all debts be paid from your capital stock.
8. Conclusion : Do you have the original bill ( negotiable instrument ) in your possession to enforce the instrument to report payments of a debt? Can you prove the original note was not destroyed by way of securitization and discharging all debts? Do you have the certificated security instrument issued by the United States to show proof of possession over the principal debtor for subrogation rights over all proceeds of the principal debtor?
If you can not prove or rebut anything stated within this legal document, you fully agree with all demands being made. Your silence is acquiesced and considered as all demands will be met accordingly. You Now have 10 business days to fully respond to this legal document.
9. For all damages and harm caused to the XXXX XXXX XXXX I make the following claims against you according to the Fee Schedule of the Trust : XXXX. Fraud and False Statements- {$30000.00} 2. Conspiracy- {$250000.00} 3. Failure to Respond- {>= $1,000,000} ( If you fail to respond to this Affidavit ) 4. Failure to Respond as Outlined in this Notice of Claim- {>= $1,000,000} I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. 28 USC 1746 Executor Office, XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, Precedent Estate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, non-citizen, National of the United States
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| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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BILLING ERROR DISPUTE FCBA XXXX Claims as of XX/XX/XXXX, Substantial Intentional Misrepresentation/ Bad Business Practices : XXXX XXXX continues to Assert False Claims while failing to provide evidence other than a false billing statement. The only evidence that can validate this " alleged debt and justification for the Administrative Chargeback '' is PROOF that I indeed breached the contract regarding Early Termination. XXXX XXXX has NEVER provided this evidence. However, I have successfully proven that it proves this merchant 's fraudulent and deceptive business practices increase revenue and extort profits.
XXXX XXXX continues to assert that the charges were valid due to the early termination of my service before the promotional expiration period in breach of contract, justifying the chargeback of the gift card and outstanding debt of {$170.00}. My documents prove that I satisfied the requirements to earn the promotional gift card, with an open account date of XX/XX/XXXX, verified by contract and XXXX hard inquiry credit check. My attached evidence proves I had service-connected for the minimum 90 days UNDER A PREPAID NO ANNUAL CONTRACT TERMS OF THE {$450.00} BYOD promotion from XXXX XXXX. Any reference to current terms and conditions of their promotional gift cards is irrelevant and does not apply to this case. See attached. Finally, this misrepresentation has denied my Due Process and Expeditious review of my arbitration claim.
Accordingly, I maintain my False Claims and FCRA violation assertions, and I. Breach of contract means that the company made you a promise ( either verbally, through a contract, or implied in their actions ) and then did not live up to that promise.
1. include making it hard for you to receive some benefit of a deal or promotion with the company 2. the company tries to charge fees or impose requirements hidden in the fine print so you wouldnt know they were there.
I was wrongfully and deceptively charged back for adjusted rebate promotion credits which were used in Good Faith and accordance and compliance with XXXX XXXX XXXX XXXX regarding acceptable use of gift cards ( promo rebate ), resulting in an outstanding balance, referral to the credit agency, punitive charges, in contravention of the predefined policy and violation of my customer rights.
As of today, XX/XX/XXXX, XXXX HAS PRODUCED NO EVIDENCE TO SUPPORT OR VALIDATE THE EFT CHARGES. Additionally, when requested by the FCC, XXXX asked for an extension of 14 days to produce these documents. Despite my repeated disputes, NO ONE GAVE ME AN EXTENSION before O NEGATIVE REPORTING TO CREDIT BUREAUS NOR SENDING ME TO COLLECTIONS DURING THE BILLING DISPUTE PROCESS.
[ FCC Consumer Inquiries and Complaints ] Re : False Credit Billing and FCRA Violation Complaint against XXXX ________________________________________ FCC XXXX Tue, XXXX XXXX, XXXX, at XXXX AM Reply-To : FCC XXXX To : XXXX XXXX XXXX # # - Please type your reply above this line - # # This ticket ( # XXXX ) has been updated.
Hi XXXX, Your carrier has requested an extension of time to respond to your complaint. The Commission has granted your page a 14-day extension to respond to your complaint.
Once we hear back from your carrier, we will reach out to you again.
Thank you for your submission.
THE FACTS REMAIN AS FOLLOWS : My account closure directly results from network incompatibility of an upgraded device on the network after replacing a lost phone and limited options and need for a phone. After repeated attempts to present the contradicting XXXX regarding gift card acceptable use, I am therefore forced to submit this Notice of Dispute.
On XXXX, XXXX XXXX XXXX representative XXXX sent an email stating that my dispute had been denied and that no additional concessions would be made when no concessions have been made to date, and XXXX failed to honor the XXXX that they defined. When entering this contract, I agreed before porting services out with a {$0.00} balance and a {$130.00} credit balance. I was directed contact XXXX XXXX XXXX to discuss payment options, where I again petitioned for reconsideration and was presented with a settlement that included the following provisions : 1. Add the IMEI number to the database 2. Gather account details 3. Call to discuss port and favorable incentive to return to XXXX XXXX.
On XXXX, XXXX XXXX XXXX Department representative, Al ref # XXXX, reneged on our verbal agreement on the recorded line, breached the terms of the deal, and punitively sent me to collections.
On XXXX, I received notice of debt collections. On XXXX, I spoke with XXXX at XXXX, where he would have the back office investigate the miscommunication and follow up with me. No action has occurred, and I have until XXXX to dispute the creditor.
FCBA COMPLAINT VIOLATION CHARGES XXXX XXXX, XXXX, XXXX, and Transunion violate the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1601-1667f, and the Truth in Lending Act 's ( TILA ) unauthorized use provision, 15 U.S.C. 1643, Within 60 days of receipt of a written notice of error, the FCBA requires a creditor to 1 ) acknowledge receipt of the dispute in writing within 30 days ; and 2 ) within two billing cycles, or no later than 90 days, either correct the account or investigate, and provide a written explanation as to why the statement is correct.
By its acts and practices as hereinabove described, the Respondents have violated the FCBA as follows, without limitation : a. By failing to make appropriate corrections on credit account ending.
b. By committing multiple billing errors ; and c. By failing to conduct a reasonable investigation.
By its acts and practices as hereinabove described, the Respondents have violated the TILA as follows, without limitation : a. By failing to make the proper allocations, adjustments, and timely credits to Plaintiffs account.
b. Violated the compliance requirements under the FCBA billing errors dispute and investigation process As a result of their unlawful conduct, I spent countless hours, often missing work, communicating with several agents and supervisors, and became increasingly worried and confused by the misinformation provided by XXXX XXXX and three credit reporting agencies.
After undergoing XXXX and still aggrieved by this unresolved ongoing billing dispute, I grew more stressed and aggravated by the Respondents inability to coordinate a resolution and suffered sleepless nights and anxiety due to the Respondents unfair, deceptive, and abusive practices.
The Respondents are liable for statutory penalties and actual damages sustained due to the Respondents ' violations of the FCBA and TILA and attorneys ' fees and costs and fines for the delay. denial of due process during the arbitration process in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 RESOLUTION SOUGHT 1. CONSUMER REDRESS 2. INJUNCTIVE RELIEF due to substantial misrepresentations during Arbitration Process to delay and deny expedited due process and resolution before adverse action and physical, emotional, and economic injuries sustained by me ( Complainant ) Case # XXXX XXXX XXXX 3. Full enforcement, protection, and damages under CFPB, FTC, AND FCC LAWS 4. Investigation into UDAAP violations and review of business practices to confirm compliance with the law ( Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536 ) 5. Make account and credit reporting corrections 6. DELETE THE CREDIT COLLECTIONS ACCOUNT FROM ALL 3 REPORTS 7. Reimbursement for payments made erroneously based upon inaccurate billing, collections harassment, and coercion and extortion resulting from FCRA violations and adverse credit reporting 8. Damages for emotional, physical, psychological stress and duress resulting from XXXX Substantial Misrepresentations of UDAAP practices, and failure to provide accurate and reliable information 9. Punitive damages ( penalties and fees ) up to a maximum of {$10000.00} for continuing to engage in unfair acts or practices in violation of Sections 1031 and 1036 of the CFPA, 12 U.S.C. 5531, 5536.
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| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I sent letters regarding inaccuracies and erroneous information on my credit report to Transunion, XXXX XXXX XXXX. To this day, I have received no response regarding my disputes on the above dates and I even provided the documentation of the balances and payments. I feel like I am being taken advantage of and am being ignored. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
1. ) XXXX XXXX XXXX XXXX ; Transunion, XXXX XXXX XXXX has inaccurate balances and inaccurate payment amounts on my account # XXXX. I have disputed this with documentation, and they are refusing to re-investigate. They are reporting {$13000.00} ( on XXXX ), {$12000.00} ( on XXXX ), & {$14.00}, XXXX ( on Transunion ) as the current balance today XX/XX/XXXX, which are not accurate. The balance is currently {$9000.00} as of today ( XX/XX/XXXX ). They are reporting inaccurate amounts in my payments and inaccurate dates that I have made them. XXXX has agreed with me to go back into repayment as of XX/XX/XXXX, and I have uploaded the agreement and all the payments I have made. The first 2 receipts have the accurate amount due before and after the payments. ( XX/XX/XXXX and XX/XX/XXXX ). After that they refused to provide me with the balance before and after each payment that I paid monthly. XXXX said they were not able to provide the balances to me and then when I sent them a letter requesting the documentation of my payments and subsequent balances, they added money onto my account without my knowledge. I agreed to repay the amount that I borrowed which was {$15000.00}. And it shows that amount of {$15000.00} as the beginning balance on my first receipt XX/XX/XXXX, and then after my {$1000.00} payment, the ending balance was {$14000.00}. The subsequent payments agreed upon were {$500.00} per month and the second month had the correct beginning and ending balance. XXXX XXXX at XXXX XXXX told me that the customer service cashiers were told to not give me receipts with balances on them. This does not make sense. It appears that they are hiding something and being discriminatory towards me because I am XXXX. I cant even go in to make my payments anymore because of this. Then when I pulled a copy of my credit report from TransUnion, XXXX XXXX XXXX, the balance was inaccurate and is still showing the above amounts after I have made monthly payments of {$500.00} as agreed upon for 10 months. I have repeatedly requested that Transunion, XXXX XXXX XXXX do a re-investigation and they have refused, stating that XXXX XXXX has verified the information. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 7 months since my first request to investigate. Therefore, I am requesting that they remove this account from my TransUnion, XXXX XXXX XXXX credit report d/t the erroneous and inaccurate information they are reporting.
2. ) XXXX XXXX, account XXXX has inaccurate reporting on my TransUnion. XXXX, XXXX credit report. This account is paid in FULL. I have attached documentation. I disputed the amount with the TransUnion, XXXX XXXX XXXX, and they refused to reinvestigate. On my Transunion Report, it is reporting {$5900.00} with a high balance of {$3500.00}. They added over {$230000.00} onto my account balance in a two-month period. XXXX shows a balance of {$5900.00} on XX/XX/XXXX and the original amount was {$3200.00} which was paid off. XXXX is reporting {$5800.00}. So, you can see they are reporting inaccurate amounts and payments that were made only showed 5 payments and I paid them all. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
3. ) XXXX XXXX XXXX account XXXX XXXX is not my account and it is reporting {$2100.00} on my XXXX and XXXX credit reports. They have sold it without my permission to a 3rd party and it wasnt even my account. This is a violation 15 U.S.C 1681 section 602 A which states I have the right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 which states a consumer reporting agency can not furnish an account without my written instructions. My information was also impacted by the XXXX date breach and may have got into the hands of the wrong person.
4, ) XXXX XXXX account # XXXX with XXXX XXXX as the original creditor with balance {$390.00} is not my account and reporting on my XXXX Credit Report. I received a letter from the original creditor ( XXXX XXXX ) stating that I am not responsible for this balance and that it was going to be removed in 30-60 days and it never got removed. It was removed once but has since been placed back on my credit file. This is a violation of 15 USC 1681 section 604 A, which states that a consumer reporting agency can not furnish an account without my written instructions. I never gave permission. I am attaching the letter from XXXX XXXX stating that they are removing it from my credit file. It has not been done yet.
5. ) XXXX XXXX XXXX with account # XXXX is an account that was paid in full. It is still reporting on all three credit bureaus, TransUnion, XXXX XXXX XXXX. It is reporting a XXXX balance. I am attaching a document showing that it is paid in full. It needs to be removed from all three credit reports as I have sent multiple disputes documenting the paid in full status and they have refused to reinvestigate it and remove the account. It is negatively affecting my financial status and resulting in higher interest rates. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
6. ) XXXX XXXX with account # XXXX in the amount of {$400.00} is reported on my XXXX and Transunion credit reports. I have disputed this account as it is not my account. I have disputed this with XXXX ( XX/XX/XXXX & XX/XX/XXXX ) and they stated that they updated the account on XX/XX/XXXX ; however, it is not my account and they have never completed an investigation and I disputed this account with Transunion ( XX/XX/XXXX & XX/XX/XXXX ) and they have not completed a reinvestigation. This is a violation of my rights to not have a re-investigation done under Section 611 ( a ) which plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report.
Also, the following HARD INQUIRIES were made on my credit reports without my knowledge. I have disputed them with each credit reporting agency, and they refuse to remove them. I have no knowledge of these inquiries and did NOT authorize them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION All of these inaccuracies are affecting me negatively, psychologically, mentally and financially costing me money in higher rates, which is extremely unfair. I would like TransUnion, XXXX XXXX XXXX to REMOVE ALL OF THE ABOVE ACCOUNTS from my credit report and DELETE all of the hard inquiries above that I did not give permission to pull. Thank you in advance for your assistance in this matter.
Sincerely, XXXX XXXX. XXXX
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| 03/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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Hi I recently wrote you and this bureau of inaccurate/incorrect information on my report no changes have made thus far. On XX/XX/2022, I wrote Transunion asking for them to do the following : On XX/XX/2022 I sent the following dispute letter : To Whom It May Concern, This letter is a formal request for the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation. Any dates that you contacted said furnisher of information is also requested to be included in your response. We recently advised you that the below information was inaccurate or incorrect and stated that it has been verified. Thus, were now kindly asking that you provide the furnisher of said information that you contacted in connections with this reinvestigation please : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ga XXXX Case # XXXX Please remove from my credit report.
================================================================ I have further advised them in my new dispute that was sent to them certified letter of the following ( also included in the attachment ) : This letter is a final complaint, in an attempt to get you to comply with the FCRA laws, rules, regulations and guidelines. XXXX advising you that you are continuing to report inaccurate and incomplete credit information. Because of your actions, XXXX in a tizzy, since you persist on including the above information in my credit profile and have unavailingly assisted in reasonable procedures to satisfy any possible accuracy in the credit reports you publish. ================================================================ I must say that I am in awe that it appears the when complaints are filed against these CRA 's that they seem to think they can just give some quick response that they will respond directly to the individual filing complaint so they can close the case. Without any consequences or follow-up from the CFPB. It's stated that part of the CFPB 's consumer responsibility is : We aim to make consumer financial markets work for consumers, responsible providers, and the economy as a whole. We protect consumers from unfair, deceptive, or abusive practices and take action against companies that break the law. -- -with that in mind these bureaus should be under more scrutiny than what have been. I've been hearing about how the CFPB will shut-down, file lawsuits, etc, against Credit Repair XXXX XXXX credit monitoring agencies, but somehow it seems to fail us when it comes to the CRA 's XXXX I'm baffled at that this behavior is allowed to continue when you're supposed to be in the business of protecting your consumers. As mentioned in my statement in this new/recent dispute to Transunion, XXXX " XXXX a bit confused at this point. Your statement says that but it didnt appear that you or a properly authorized third party sent it to us. - I would think being that this letter is nice and long, you would XXXX that its coming directly from me. I dont have the time, nor will I take the time to handwrite out these disputes. XXXX. Its very legal, as you know to dispute items on your credit report, XXXX. It is very legal to use a XXXX party if we so choose, XXXX. It is very legal for us to have those letters mailed to you directly from the XXXX service or via an online mailing system. All of what you say is being used as a stall tactic as your arguments are not valid. There are no laws against either of the things you have mentioned. Yet your credit bureaus keep going with your stall tactics because so far, youve been allowed to do so. It is clear you are trying to put credit repair agencies out of business because you dont wish people to know the truth, it seems youre not for the people as you so claim. If you were, you would remove the inaccurate information pronto without making us, go through repeat performance of writing dispute letters over and over and over. Thus, it is clear to me and the public what youre doing here. Youre aware that many people are taking their credit files very seriously and have been working on them more so now than at any other time, so you guys are trying to use every stall tactic in the book without any regards for the FCRA laws. In filing a complaint with the CFPB, multiple times, you know that you can just respond and have case closed and so far, CFPB has done nothing to make you obey the laws, so you continue with these stall tactics. CFPB is there to ensure all consumers are being treated fairly and not allow such behavior to continue. You guys will attempt to sue, go after, and put down legal organizations trying to help people make a better life for themselves. Yet you continue to put disparaging information in your reply about credit repair companies because if you can keep inaccurate information on someones file the better for your organization. If youre going to disparage an organization, ensure that its illegal for them to be operating such a business please. " -- -- - In closing, I ask that you, CFPB, make these CRA 's to obey the FCRA 's laws and not just allow them to acknowledge the complaint and then say they'll be in touch with us and close the case only to come back with stall tactics with some bogus explanation about using some credit report agency, which isn't illegal, albeit, I'm doing this myself as you can see I'm very through and long winded here. This make no sense that I have to continue to file complaints when they can just obey the FCRA 's guidelines. It's a well known fact that is easily Googleable, that the CRA 's use these stall tactics which means they are in no way for helping the people at all. I can only pray that you won't be a participant in their process by not continuing to allow them to get away with these actions. The law is the law and they too need to be made to keep it and not disobey/break/ignore it, causing hardship to the consumer. This is unfair and unjust behavior. Please go after them they way you have been going after these credit repair agencies. It's only fair, right??? Treat them all the same, to make them obey the LAWS of FCRA. And clearly they are stalling now that I've asked for them to verify how they got the supplier of that information and how they came about it, etc. None of what I asked for was supplied, rather I got a response of " it doesn't appear that you wrote this dispute letter and that you XXXX be working with a credit repair agency. '' Wow! Unbelievable. But from my research this doesn't appear to be anything new to the industry. The public has been aware of such stall tactics for many years now and now it's still continuing. It's like the laws are there but then when you ask for the laws to be following immediately they work hard to do everything in their power to continue to break the law ... ..I petition you to not allow this behavior to continue. I have sent multiple dispute letters to the CRA and also to CFPB. They apparently don't care if you report them because it seems they think there will be no consequences. It looks really bad to have a reputation to not follow the laws of the FCRA that were put there to supposedly protect the consumers of XXXX. Please make the provide all of the verification information that I requested in my XX/XX/2022 dispute letter and if they can't provide the valid/undisputable information that I requested in full, then they must delete that information from my report immediately being that I've been asking for months now since middle of last year for this to be genuinely, accurately verified and if not remove from my report yet they stall and the inaccurate information remains on my report. I must say I've already had XXXX success with XXXX of the bureaus and they removed the information, now I'm waiting on this XXXX to do the same but they seem to enjoy stalling and playing games. Please have them to fully obey the laws of FCRA no more stall tactics.
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| 04/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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THIS IS A REQUEST FOR AFFIDAVIT [ s ] FROM THE CEO or CONTROLLERS OF THE BACK OFFICE TO SUPPORT THE DOCUMENTS BY XXXX XXXX THAT WAS NEVER PRODUCED WITHIN THE THIRTY DAY ALLOTTED TIME, ARE IN QUESTION TO BE NEWLY CREATED ROBO SIGNED AND FORGED, TENDER OF PAYMENT OFFERING WAS DECLINED REFUSED AND REVERSED IN WRITING AND NEVER RETURNED, THEREFORE SET FOR DELETION & DISCHARGE!
i XXXX-XXXX ; XXXX a man in flesh and blood have paid my debt thereto XXXX XXXX in the full amount and over that by three times the amount demanded. XXXX XXXX has used deceptive misleading tactics, for the FDCPA 1692 807. False or misleading representations - Claiming that you XXXX XXXX never receive the Tender Of Payment then threatened me with words like illegal form of payment, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof. ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt. On XX/XX/XXXX XXXX XXXX received the payment TENDER OF PAYMENT credited account as they stated they would which is on the back of the statement and money check coupon.
The statement is located at the bottom left titled Information About Payments ; It says you may at anytime pay, in whole or in part, the total unpaid balance without any additional charge for prepayment. Payment received after XXXX et on any day will be credited as of the next day. Credit to your account may be delayed up to five days if payment [ a ] is not received at the payment address, [ b ] is not made in US Dollars drawn on a US financial institution located in the US., [ c ] is not accompanied by the remittance coupon { REMITTANCE COUPON } attached to your statement, [ d ] contains more than one payment or remittance coupon, [ e ] is not received in the remittance envelope provided or [ f ] includes staples, paper clips, tape a folded check or correspondence of any type. My Account [ s ] where credited as it states on their back statement lower left corner. It was received on XX/XX/XXXX, and credited on XX/XX/XXXX exactly five days after the tender of payment was received. This is why they have not sent me a statement in full nor the copy of the application which is the contract for it contains illegal information that goes against the FDCPA. Also i have found the old statement sent to my wife home address dated XX/XX/XXXX, please see attachment. The FDCPA 1692 807. says ( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt ; or ( B ) become subject to any practice prohibited by this subchapter. More over this is discrimination, for they credited the account in full on the fifth day and then reversed the payment on the ninth day. This shows discrimination for they admit on the back of their coupon lower left corner they do accept other forms of payment please see attachment.
As i am a qualified financial institution under the 12 CFR 231.3 that states a person qualifies as a financial institution for purposes of section 401-407 of the Act if represents, oral or in writing, that i will engage in finial contracts, as a counterparts on both sides of one or more financial markets and either [ 1 ] had one or more finial contracts of a total gross dollar value of at least $ XXXX in notional principal amount outstanding on any day during the previous 15 month period with counterparts that are not its affiliates or [ 2 ] had total gross mark to market positions of at least $ XXXX [ aggregated across counter-parties ] in one or more financial contracts on any day during the previous 15 month period. My answer is Yes i have, with the US Treasury, XXXX, XXXX XXXX XXXX and XXXX XXXX well over XXXX XXXX Dollars.
NOTICE : THE FOLLOWING CONCERNS ARE NOW SERIOUS COMPLAINT ; Notice : I have all the original documents from online and other, be truthful in this process, thank you XXXX XXXX XXXX. I have had an expert document/contract person to look over the documents and they have raised some very serious and important questions ; XXXX XX/XX/XXXX, XXXX XXXX produced documents alleging to verify or validate the alleged debt that are ; *Robo singed and missing Key information from the back of their own statement and coupon [ s ]!
*Incomplete documents or missing pages!
Without Recourse and Without Consent is whats digitally signed on your documents, not my signature!
*70 % of the documents were completed online with a digital signature!
*The Note/Debt presented by XXXX XXXX were copied, shrunken, makes it hard and difficult to read and understand!
*Does not look like the original documents, many are missing brokers information and personal information!
*The documents have been destroyed, deleted and or altered from the original documents, this is why they claim they are no longer available due to time which is false!
*The documents recently produced there was added a document called a PUD Rider please explain why this was added without my consent or knowledge!
*When i demanded a copy of a check from the Title company, they said they would contact me by email after they gathered that information, this was never done, SO *WHERE DID THE FUNDS COME FROM AND WHO IS THE ORIGINAL LENDER?
*The Certificate Of Administrative Judgement provides most of the answers i am looking for due to none of the parties listed therein served as of XX/XX/XXXX with no response as of XX/XX/XXXX.
THE CREDIT BUREAUS HAVE LISTED ME 30 DYAS LATE WITHOUT VERIFICATION INVESTIGATION OF THE XXXX XXXX ACCOUNT WHICH MUST HAVE ANSWERED THE FOLLOWING QUESTIONS IN FULL NOT IN PART LINE BY LINE ITEM BY ITEM WITH THE 30 DAYS ALLOWED WE ARE PAST THIS TIME NOW SINCE XX/XX/XXXX! IT HAS BEEN 50 DAYS or more!
*Question - Please provide the address and contact number for direct contact of the creditor if it is not the man/woman of this account and show where the funds where drawn from?
*Question - Why have XXXX XXXX discriminated against the payer in this matter without reason and or purpose by law to do so?
*Question - XXXX XXXX stated that they do not accept the tender of payment please explain why?
*Question - I have mailed you via XXXX mail a total of five Tender Of Payments! in the full amount owed of the debt, why have you not returned them if you have reversed payment and are declining the payment of the tender?
*Question - Due to the legalities of the Lawful Tender of Payment, making sure it is not duplicated nor copied and used or cashed/deposited with the Federal Reserve Banks XXXX Treasury XXXX did XXXX XXXX destroy the Tender Of Payments?
*Question - Why cant you provide a copy of the original applications and contract agreements, is it because the man/woman of this account has already paid this debt by their credited account on the day of the application/contract?
*Question - The documents you have scanned and sent to me are hard to decipher, so how is it possible to tell if this is the original without the wet ink version with the XXXX of ink i used?
*Question - The tender of payment is legal and lawful - You have misstated that the payment style and type are questionable to be fraud and or illegal! Have you reported to the Secret Service or the FBI or even the US Treasury or done a courtesy police report for such?
*Question - Have you Cashed the Tender Of Payment due to non return to sender?
*Question - What Federal Reserve Bank where the funds drawn from, and is this where the funds came from for the debt?
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| 04/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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The two collection accounts below are not mines. i have disputed these with collection companies. they posted debt prior to giving me 30 days to dispute charges, with is against FTC regulations.
1. XXXX XXXX XXXX XXXX XXXX - XXXX XX/XX/XXXX {$3900.00} {$3900.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX 2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XX/XX/XXXX {$5500.00} {$5500.00} XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX The accounts below are more than 7 years old and should have been deleted.
1. XXXX XXXX XXXX Account # XXXX XXXX. XXXX Account # XXXX 3.XXXX XXXX XXXX XXXX Account # XXXX These Inquiries on Transunion is not mines nor did I authorize them. More than 150 are on my report. Some are from same company days apart.
Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XXXX XXXX XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXXFinance XXXX XXXX I Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX Inquiry from XX/XX/XXXX Misc.
XXXX Inquiry from XX/XX/XXXX Misc.
XXXX Inquiry from XX/XX/XXXX Misc.
XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX 's XXXX Inquiry from XX/XX/XXXX Automotive XXXX 's XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX XXXX Inquiry from XXXX XXXX, XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXXAutomotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXXCredit Union XXXX XXXX I Inquiry from XX/XX/XXXX Bank XXXX XXXX I Inquiry from XX/XX/XXXX Bank XXXX XXXX I Inquiry from XX/XX/XXXX Bank XXXX XXXX I Inquiry from XX/XX/XXXX Bank XXXX XXXX I Inquiry from XX/XX/XXXX Bank XXXX XXXX I Inquiry from XX/XX/XXXX Bank XXXX XXXX I Inquiry from XX/XX/XXXX Bank XXXX XXXX I Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Financial Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX # Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX XXXX Inquiry from XX/XX/XXXX Automotive XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from Apr XXXX, XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XXXX XXXX, XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXXXX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX Inquiry from XX/XX/XXXX Misc.
XXXX XXXX Inquiry from XX/XX/XXXX Misc.
XXXX XXXX Inquiry from XX/XX/XXXX Misc.
XXXX XXXX Inquiry from XX/XX/XXXX Misc.
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| 12/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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NOTICE ; DOCUMENTS NOT PRESENTED AS REQUESTED LOAN STATED BY YOUR LETTER THAT PAYMENT ( XXXX ) WERE RECEIVED, LOAN DEBT PAID IN FULL DUE TO MONEY ORDER BOND SUBMITTED XXXX ADDED INTEREST : Dear XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and the XXXX XXXX XXXX XXXX ; Letters received with dates of XXXX XXXX XXXX and such documents do not provide uncontested wet signature ( XXXX ) just the assumption thereof, which concerns our legal team, if possible and it is, please feel free to send over the documents so that we can have them examined by an expert. Therefore the alleged uncontested wet signature XXXX XXXX ) should have dates times and locations of signage. If this is not produced we will not allow anymore communications and shall file legal actions if this type of communications persist.
As well you claim to have records or recordings of a conversation and or emails of XXXX XXXX XXXX requesting a discharge that which no permission had been given to do such. As well XXXX XXXX XXXX did not request a discharge, the documents presented where for legal tender and payment to settle matters in this account quickly, rather it seems as if the money order was not accepted without reason with legal qualifications. Therefore payment should have been received by law and can not be dismissed without a very good legal reason. This has not been done.
Please provide dates, documents, times and locations of the request for forbearance and deferments, for such times are relevant to the actions of identity theft which has taken place. Moreover it was the credit reporting agency that red flagged your attempt to report to credit bureaus that which was the wrong birthdate and address. Please take notice that any and all documents presented with incorrect personal and private information shall be deemed identity theft and be place on alert as well all parties shall be notified that being the victims therein which such has been created for theft purposes.
Further more you have attempted to contact friends and family member located in multiple states XXXX of which is XXXX XXXX XXXX elderly mother whereas the postal delivery clerk whom has known the family for years assisted in stopping mail from being delivered to her address. This is harassment and will not be taken lightly.
There are also too many coincidences, the timing of the letters and the information suggest that there is a relationship between that whom we have discovered in the past month of XXXX to be XXXX of which whom created the identity theft and the language in the letters which are very similar and is being examined. Not to leave out that your documents are not notarized, signed and or verified by an agent and or an XXXX therein your organization, which changed from XXXX XXXX to present, there was once a persons of contact within XXXX XXXX and or Dept Of XXXX or XXXX XXXX. Please use this legal format to verify whom you are, status or position and a contact information so it is not assumed that your agency has taken part in the thefts at hand.
If you received payment ( XXXX ) as you stated or someone stated in the letter, why is the account still open for there was a payoff request made by XXXX XXXX and that final payment in form of a money order was provided, what is the problem with the final payment in regards to settling the matter of debt? The payment was legal and is excepted so please provide a legal and legitimate answer or solution to the payment, adding interest and expecting payment over a period of years as in adding another {$65000.00} is extortion.
Please be advised that XXXX XXXX XXXX notified XXXX XXXX XXXX that his account had been hacked by a bank or a government agency so that email is no longer being used since that time and had been forwarding all emails over to XXXXXXXXXXXX please see to it that you use this email only.
Once you have provided an reasonable explanation as to why the payment was not received dated The court papers that which was forwarded over to you are very much real and legal. They state that XXXX XXXX XXXX is not dated XXXX XXXX, XXXX. That which there are investigations prevailing at this current time and future court dates with the culprit ( XXXX ) whom created the identity theft and other illegal matters are being tracked. Those individuals XXXX have contacts within XXXX XXXX and or XXXX XXXX XXXX that which is being seriously and deeply investigated and will have serious repercussions for charges will not be dropped and the max amount of time will be heavily requested for this has caused XXXX XXXX XXXX and his family millions in investments as well his home.
As for the XXXX of the court proceedings and the language i personally do not have any control or legal input as to how the XXXX and deputy documented and worded the Identity theft documents and findings. Rather in all cases presented to the court on XXXX XXXX, XXXX XXXX am that with all the evidence and documents presented by XXXX XXXX XXXX and his wife XXXX XXXX XXXX whom was effected as well by the multiple identity theft ( XXXX ) that which stated in the court records is that simply put, neither XXXX XXXX XXXX or his wife are responsible or committed any offense to that which was created by identity theft be in loans, mortgages, and all other loans therein which was recently and formerly created in the past.
Court Rulings - The court finds XXXX XXXX XXXX and his wife to be factually innocent of the offenses that being any loans that neither petitioner gave consent to therein. As for a defendant and or identity theft perpetrator name in the verdict is not warranted by the accounts of the Dept of Justice whom have been notified due to the wide range and damages that this may cause others, none the less we have investigated and have found several personnel whom have major part in the identity theft and other crimes committed against XXXX XXXX XXXX. That which had been presented to you at cost of XXXX XXXX XXXX.
Reminder - XXXX XXXX, XXXX and several times before hand you had received documents warning your of identity theft along with multiple affidavits for such causes and it was stated in the entry of the legal document that you must respond to this affidavit point by point, under oath meaning notarized and witnessed as well by an XXXX agent therein the angry whereas you sit, failure to answer all points under oath shall be deemed incomplete and that which you claim or alleged to be factual unequivocal and irrefutable admission to all statements contained here, further this will be binding against you in any subsequent court proceedings to enforce remedy. You had five days after receipt of said documents and you have failed multiple times. Furthermore all credit agencies have began red flagging any attempt to report thereafter the date you had received the first Affidavit herein this matter.
Therefore this shall conclude any and all communications herein this account and it is deemed PAID IN FULL as stated on the letter from the XXXX XXXX XXXX XXXX and any further communication hereafter is deemed harassment as well illegal and prohibited.
You may proceed with legal matters and fillings rather count on countersuits to be applied therein for such has been presented to you in full notification and you have ignored it, therefore that is your issue and not XXXX XXXX XXXX.
Further more after this point that you proceed and continue pursuing this matter that is closed, you shall be responsible for all legal cost travel and pain and suffering therein hereafter.
You also may provide a copy of your report and investigation hereafter so that while we are pursuing those whom created this issue your evidence may have implications to that which has been stated before, and the communications herein thereto in connections with the thefts and injuries. Moreover any attempt to contact family members outside of this matter shall be deemed harassment and legal matters shall be filed against you in said cities and states for such illegal actions.
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 11/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
I have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap ACCOUNTS THATS NEEDS CORRECTION 1 Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Older American |
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Our problem stems from a unique XXXX mortgage payment problem -- one that has been amicably resolved with XXXX XXXX
This resolved issue has somehow morphed into an adverse credit agency ( TransUnion ) report of a late XXXX mortgage payment. But there was no late XXXX mortgage payment.
The original XXXX situation involved an electronic mortgage payment of {$2600.00} ( through XXXX XXXX XXXXXXXX autopay in the ordinary manner -- same address, same loan number, and same amount paid -- used since XXXX. In early XXXX, wthout any previous notice, call, email or other indication of a problem from XXXX, XXXX informed us that this mortgage payment was floating around in the matrix. It had neither been accepted nor rejected by XXXX. So XXXX informed us that they would return the money to our checking account.
XXXX XXXX XXXX administering the account under an authorization with XXXX ) called XXXX and determined that : i ) the XXXX XXXX account number had changed ; ii ) the address for payment had changed ; and that iii ) the required payment had been increased by {$3.00}.
XXXX and XXXX agreed that as soon as the XXXX payment to XXXX was returned to our checking account by XXXX, that XXXX would sent a replacement payment for XXXX, plus {$3.00}. XXXX confirmed the new address, new account number, and that the amount should be {$3.00} higher. As soon as the initial electronic payment was returned to our account, the new payment ( increased by {$3.00} XXXX was sent out by XXXX XXXX XXXX. The XXXX payment was electronically transferred to XXXX on XX/XX/XXXX.
XXXX understood that the XXXX problem was not just a consumer mistake ; and XXXX, therefore, agreed to waive any late fee for XXXX. When a letter arrived from XXXX XXXX XX/XX/XXXX, letter ) confirming this, the letter had also added an unacceptable new term to the previously agreed resolution ; namely, that the waiver was a one-time courtesy waiver. We objected because the " fault '' behind the XXXX situation was mostly XXXX ; and asked that the one-time courtesy characterization should be removed. XXXX agreed, and subsequently sent another letter XXXX XX/XX/XXXX, letter ) confirming the resolution without a late fee, and without that " courtesy '' characterization. Situation resolved.
Meanwhile, XXXX had tried to adjust the XXXX XXXXutopay to change the address, the Loan Number, and the amount before the XXXX payment was electronically sent out by XXXX. But XXXX was unable to stop the prescheduled auto payment. So XXXX had XXXX send a separate payment of {$3.00} to XXXX. When XXXX recieved this {$3.00} electronic payment, it called XXXX to ask what this was for. XXXX explained that the customary amount had also been paid electronically on XX/XX/XXXX, but to the customary address and with the loan account number that had been used since XXXX. XXXX confirmed that unlike the XXXX payment, that XXXX had indeed received the {$2600.00}.
It took XXXX the rest of XXXX to find this payment. At one point, XXXX passed on a demand from its research department that we prove that XXXX had received this money by providing a copy of the front and back of the mortgage check deposited by XXXX. XXXX explained that this was an electronic payment, with XXXX receipt confirmed by XXXX ; and pleaded that XXXX should look for the money on its side. Eventually, XXXX found and accepted that the full payment for XXXX had been timely received by XXXX Bank. At XXXX point in XXXX, XXXX did send another payment to XXXX ; but this money was returned to us once XXXX found the XX/XX/XXXX payment.
After finding the money, XXXX never asserted that this payment was late ; and XXXX has never asserted any intent or right to charge us a late fee for XXXX.
But TransUnion, perhaps based on incorrect or incomplete computer information states that our XXXX payment was late. Having learned from hours of phone calls with many XXXX representatives that a systems change was making it difficult for XXXX to get information needed to properly administer loans, we sent a Preservation Letter to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The letter asked XXXX to preserve evidence of the systems changes and problems that had caused our XXXX payment to float around in the matrix for nearly a month, and then, even though the XXXX payment was electronically received by XXXX on XX/XX/XXXX, required almost a month before XXXX could confirm that it had been paid.
The XXXX response to this XXXX XXXX was an email providing an apology ; but directing us to contact another company " XXXX Mortgage '' that XXXX claimed was servicing our mortgage. This was the first we had heard of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion LLC et al, XXXX XXXX. XXXX ( M.D. XXXX XX/XX/XXXX ).
Because we had never received any correspondence from XXXX Mortgage, and never spoke to them on the phone, we called XXXX ( consumer representative XXXX XXXX after receiving the TransUnion response to our dispute. We asked how TransUnion could report that our XXXX mortgage payment to XXXX was late. The XXXX representative gave us two responses. The first was that this was not an XXXX problem because the TransUnion report was in error. She said that the problem was a TransUnion issue ; because XXXX had reported the problem as resolved.
When we asked for that in writing, the answer changed. The answer then became that our resolution of the XXXX situation would show up as late on a computer report if that XXXX resolution was seen as a payment for XXXX. We explained that XXXX had already agreed to accept the XX/XX/XXXX payment as resolution of the XXXX situation. We also explained that the XXXX payment had been made on time, even though some systems change or problem resulted in it taking almost a month to find the payment received by XXXX on XX/XX/XXXX. XXXX advised us that the only was to resolve the TransUnion credit report was to sue.
It is possible to imagine a dispute over allocation of fault for the XXXX mortgage payment. But that dispute was resolved. Once we agreed to resend the XXXX mortgage payment, increasing the prior payment amount by {$3.00}, there was no longer any dispute. XXXX understood that because the XXXX payment had been taken out of our account and sent by autopay ( to be received at the normal address and for the normal account number ) that we needed to get the money back into our account before sending it out again by autopay. XXXX considered the issue to be resolved.
As to our XXXX payment, while some bank system change or problems ( possibly at XXXXXXXX XXXX XXXX XXXX delayed for nearly one month XXXX ability to find that it had accepted ( on a timely basis ) the electronic XXXX payment, there was no late payment for XXXX.
Our current hypothesis is that the information in the TransUnion report as to a late XXXX mortgage payment ( see TransUnion Investigation Results ) was based on an erroneous computer report provided by someone at XXXX XXXX or more likely, by XXXX ) who was unaware of the resolution worked out with XXXX. Our complicated XXXX payment issue was ultimately resolved ; and XXXX quick action on information provided by XXXX resulted in a full XXXX payment that was also received by XXXX on time.
The TransUnion report of a late XXXX payment seems to be the result of TransUnion not doing its job TransUnion seems to have relied on a computer report ( possibly from XXXX although its investigation refers to a computer report from Grantor ) that did not reflect the actual workout process, agreements and final resolution with XXXX.
As a consumer reporting agency TransUnion is obligated to look into the resolution pointed out by a consumer. TransUnion breached the duty imposed upon it by 15 U.S.C. section 1681i ( a ) ( 1 ) ( A ) to conduct a reasonable dispute reinvestigation. There can be no doubt but that the Ameris ( possibly XXXX ) computer report on which TransUnion relied did not reflect the actual workout process, agreements and final resolution with XXXXXXXX XXXX.
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| 12/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) Subject : Complaint Regarding Improper Use of Consumer Credit Report Privacy Act of 1974 No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
In accordance with the Privacy Act of 1974, and Fair Credit Reporting Act.
Per the accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My Federally protected consumer rights to privacy and confidentiality has been violated under 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter 15 U.S. Code 1681a - Definitions ; rules of construction ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.
( c ) The term consumer means an individual.
( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Reporting transaction history is illegal 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
I was never given the opportunity to give written consent for the credit agency to furnish my private consumer experience as it relates to my report which is in violation!
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years.
( 2 ) Civil suits, civil judgments, and records of arrest that, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period.
( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years.
( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
There are several inaccuracies associated with my consumer report!
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Per the FCRA as a federally protected consumer. I am now opting out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX may have given to XXXX XXXX XXXX to provide my personal information to XXXX, Trans Union, XXXX, XXXX, XXXX XXXX, XXXX.
Per 15 USC 6802-6805 and 16 CFR 313. EFFECTIVE IMMEDIATELY AND INDEFINITELY.
Please note that this is not a refusal to pay off the account but a notice sent as per the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1681b Permissible purposes and 12 CFR 1022.41b Direct Dispute. This notice states that your claim is disputed and validation of the account is required to MAXIMUM ACCURACY.
I never gave XXXX XXXX XXXX the permission to which is a VIOLATION OF MY PRIVACY per The Privacy Act of 1974 ( 5 USC 522a ), including Statutory Notes ( 5 U.S.C. 552a ), Protects records about individuals retrieved by personal identifiers such as a name, social security number, or other identifying number or symbol. and Opt Out Notices law 16 CFR 313.4 Initial privacy notice to consumers required. ( a ) Initial n 15 U.S. Code 6801 - Protection of nonpublic personal information a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customersnonpublic personal information. 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
The FTC clearly states that The Gramm-Leach-Bliley Act seeks to protect consumer financial privacy. Its provisions limit when a " financial institution '' may disclose a consumer 's " nonpublic personal information '' to nonaffiliated third parties. The Gramm-Leach-Bliley Act was violated during this process in when my personal financial information. I have the right to stop my non personal, personal data from being shared with any other non affiliate or affiliate. This debt is clearly violation of my privacy rights once again. My information was not safegaured it was sold with out my knowledge or agreement to. Second, if you receive " nonpublic personal information '' from a financial institution with which you are not affiliated, you may be limited in your use of that information. Consumers and customers who have the right to opt out may do so at any time. Once you receive an opt-out direction from your existing consumers or customers, you must comply with it as soon as is reasonably possible. - FTC CLEARLY STATES THIS!!!!!
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313 This notice is not a request for verification of the account or proof of my mailing address but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency / office sends me valid proof of claim that I am legally obligated to pay you, XXXX XXXX XXXX Please provide me with ALL the below mentioned items : *The original contract with this company * Original Wet Signature on the contract *Audit trail calculation of payment history *All tax bond receipts ( 1099-C, 1099-OID, 1099-A ) *The original date the contract was opened * The amount you claim owed * An explanation showing me how you have computed the amount.
* Copies of any documents that prove I agreed to pay the alleged amount * The identity of the original creditor * Confirmation that the account has not crossed the statute of limitation ( SOL ) period * Evidence that you are a licensed debt collector * Evidence of your license numbers and your registered agent.
Since this debt was originally Charged off by the creditor, I was suppose to receive a 1099-C in the mail because charged off debt can not be reported due to the fact that the IRS Publication states it is Income. Since this account was forgiven/ cancelled NO FURTHER COLLECTION CAN BE DONE ON THIS ACCOUNT, Per the law 31 CFR 903.5 - Discharge of indebtedness ; reporting requirements.-When an agency discharges a debt in full or in part, further collection action is prohibited. It is Illegal to sell a debt after it was charged off by the I would like to inform you that in case your agency has reported invalidated account information to any of the three main credit bureaus such as TransUnion, XXXX, XXXX, then it will be regarded as a fraudulent action under both federal and state statutes. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the Fair Credit Reporting Act ( F.C.R.A. ) * Violation of the F.D.C.P.A.
* Defamation of character * Use of my copyrighted property I would like to further inform you that if any action is taken during the validation period which could be regarded as detrimental to any of my credit reports, then I will seek advice about initiating a potential lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when, in fact, there is no provided evidence that it is.
If your agency can provide me with the requested documents, a Minimum THIRTY ( 30 ) days to investigate this information, and during this period of time, all collection activities must be stopped.
If XXXX XXXX XXXX fails to respond to this debt validation request within a period of Five ( 5 ) days from the date of your receipt of my notice, then the account information must be completely deleted from my credit report and from your company databases, and a copy of such deletion request should be sent to me at once, or I will take legal action. Per the law 15 U.S. Code 1692g - Validation of debts.
15 U.S. Code 1681c2 - Block of information resulting from identity theft- ( a ) Block- Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file a lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. Per the law 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692d - Harassment or abuse It would be advisable that you assure that your records are in order before I am forced to take legal action. The law states that 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; this is per Violation. Per the law 15 U.S. Code 1692k - Civil liability-any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; - FOR VIOLATING MY RIGHTS AND MY PRIVACY. This is an attempt to correct your records. Any information obtained shall be used for that purpose.
I AM OPTING OUT OF ANY AND ALL REPORTING TO MY CREDIT REPORT AND CREDIT FILE OF THIS ALLEGED DEBT. -16 CFR 313
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| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2021 I Had purchased a dog from a Breeder In XXXX Oregon I paid {$1500.00} for the dog. The Breeder told me that she would include all medical records along with her registration to the XXXX XXXX XXXX which when we arrived to XXXX which is a XXXX hour drive from XXXX the breeder had us meet her over to her parents house which i thought was odd but once we met she had the XXXX XXXX well groomed and she looked healthy she was alert and really cute so the breeder told me she was current on her shots and her record was with the registration folder from the XXXX XXXX XXXX. I had paid her and the exchange took place so we got back in the rental and began our journey Back to XXXX. It was late by the time we got home so i introduced XXXX to my home and my XXXX other dogs trying to make her comfortable i allowed her to sleep with me once we had laid down i noticed she was breathing like she had just ran a marathon so i figured it was because she was in a new environment So i wrapped my arms around her and tried to comfort her well when i woke up she had XXXX all over my bed and myself and it smelled horrible worse than any dog XXXX i've ever smelled I had already made her exam appointment with XXXX XXXX Which has been my XX/XX/XXXXever since XXXX but because of the covid i could not get in for the exam until XXXX unless the dog was XXXX which she was not but she would XXXX all over my house constantly which was unusual and i noticed that she would eat her XXXX that was the second sign that something isn't right So Had purchased an xx-large crate to keep her in while i break her from using the bathroom in my house which she did not comprehend any type of instructions or would she even watch and learn from my already well trained XX/XX/XXXX She would go outside with them and instead of going outside to XXXX she'd find some XXXX to eat then follow my dogs back in and XXXX in my house So couldn't seem to get any results so i scheduled a trainer but because it was Still Covid related changes everything was pushed out months for appointments so I had to keep her in the crate and let her out every hour to use the bathroom. Finally her appointment for the exam came and what they found was disturbing She Had XXXX which i had to treat my other XXXX dogs as well but she had XXXX and for as many eggs they found she had it before i purchased her which i already knew because my dogs never had any type of parasites So i had to treat all XXXX of them she also had some other issues which you can find inside the documents I provided with this complaint. The bottom line is this breeder had sold me a dog that was sick and also had an immune deficiency something thats born with So i had reached out to the breeder and told her she sold me a sick dog and she can replace her with a different puppy or give me back my money and she refused and she knew the dog had issues before she sold the dog to me and i had purchased insurance for XXXX before i even purchased her. I truly know that dog was an inbreed. any ways i called my back and explained to them the situation and filed a dispute under sold defective product and provided the XX/XX/XXXX report about all the problems the dog had now mind you this report is from a certified licensed XX/XX/XXXX which when i took her i looked for her medical history that was supposed to be in the XXXX XXXX XXXX packaging which it was no medical history and i explained to my bank she basically ripped me off and that i had tried communicating with her but did no good so they gave me a provisional credit while they investigate my dispute i with drew it as soon as they put it in my account and did not put any money in that account because of the actions they took on me from a prior dispute they ruled against me on which they should have not but they did and i was not going to allow this to happen twice and thank god i didn't because sure enough they ruled against me and their reason is because She sent them a contract that stated i was to take the dog to the XX/XX/XXXX within 3 days after purchase which first and foremost i never signed a contract or was i given a paper contract but during the dispute she text me the contract which is not binding because it was not signed and a contract is supposed to be implemented during the sale or transaction not a month down the road and it would have to have 2 signatures mines and the breeder which i had asked them to send me a copy of the information she provided and a copy of the alleged contact i had supposed to have signed which they did not so i told them they cant validate her information by just her word but i was able to validate the dog had medical issues before i even purchased the dog and i also pointed out what the contract she had text to me states which it says the guarantee to sale healthy and XXXX puppies which XXXX was not either so if i did sign a contract which i did not she would have been the one to breach the contract because the dog was not healthy it had XXXX and other medical issues so how is it i breached it if the dog was with health issues and it did not matter they took her word over my official medical licensed XX/XX/XXXX report and they also did not provide mew with anything that i asked for that could prove validation but i provided them with 100 % validation and thats when i knew that my bank which i never had an issue with never overdrafted or anything had some sort of resentment towards me which in all honesty i believe t was my XX/XX/XXXX because they was steady denying my valid validated with paper disputes and the facts is in all the documents i provided to you and you will agree there is no way i should have had to suffer the actions they took upon me especially when my documents tell my truth the documents i provided validated everythjing i gave them rerason for why i am entitled to my money back but they wanted to ruine my reutation my credit my consumer report which they never had informed me they was sending the debt to a collecter or furnish any thing about me to anyone so the intentionally Abused me and violated the consumer laws in place by congress 15 USC 1681b, d 15 USC 1691 A 15 USC 1679 A 1,2, B AND 15 USC 1692 1,2,3,4,5 b, c, d, e 15 USC 1692k A,1 2,2AB,3 3b,. I'm not a veteran with these laws as i just started getting familiar however im going to mention what i believe they are in violation for which they did not contact me and tell me they where going to share my information to anyone so they never given me an option as to rather i agree or disagree. Also they did not ruled against me without validation and they did not provide the validation of the claimed contract that i asked for or did the give me a fair investigation they reported to the consumer reporting agency that they closed my account due to non payment of a balance {$1300.00} which cause me not to be able to open another bank account negatively effected my reputation when i provided them with binding documents that supported my claim but they intentionally put the burden on me and took money from me without any legal document that verified that My claim was inaccurate or not valid when i provided documents to support my valid claim and i was a client of therirs and they disregarded everything i provided explained and i just dont understand why the turned they back on me the way that they did and wouldn't listen to nothing i had to say or honored anything that i provided i honestly felt like the person that handles the dispute knew me and dont like me because everything they did was unfair and mean and hurtful and caused me all kinds of issues especially when they took my rent money when i provided them with the proof of the transaction made and i begged them to do what right soi dont be put out into the streets and they told me that their decision was final even with the documents i provided that contradicted the information that they received from XXXX XXXX.Im sorry that another complaint so ill stay on the subject of this complaint
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| 10/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Trans Union, XXXX, and XXXX are all in Violation by reporting these Accounts 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need MY written consent to add anything to MY consumer report. I did not give authorization. This is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
No adverse item besides the conviction of crimes should be on MY report.
Items that are derogatory is not allowed into MY consumer report. This is another violation15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.
15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; Every company in their agreements with consumers said they would follow the law and agreed to do so.They are aware that they are breaking the law.
15 U.S. Code 1681o - Civil liability for negligent noncompliance In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Once again they must give ME an opt out notice for anything that is to be added to MY consumer report.
15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law,
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| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426- chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and otherwise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
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| 06/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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|
Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
XXXX ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
WHAT WOULD BE A FAIR RESOLUTION?
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| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to bring to your attention a deeply distressing matter that has had a significant impact on my financial well-being and overall quality of life. As a consumer who seeks to uphold their financial responsibilities and maintain a positive credit history, I find myself embroiled in a situation that not only challenges my financial integrity but also engenders emotional distress.
I recently discovered several unauthorized credit pulls on my credit report, as well as instances of inaccurate personal information. It has come to my attention that these actions may be in violation of pertinent laws, notably the Fair Credit Reporting Act ( FCRA ). Specifically : Unauthorized Credit Pulls : I believe that my rights under FCRA Section 604 have been violated. This section stipulates that a credit report can only be accessed for a permissible purpose, such as when a consumer applies for credit. Unauthorized credit pulls may violate this provision if they were not initiated by the consumer 's authorization or a permissible purpose.
Inaccurate Personal Information : I am convinced that my rights under FCRA Section 611 have been breached. This section mandates that credit reporting agencies investigate and correct any inaccurate or incomplete information within a reasonable timeframe after receiving a dispute from the consumer. In my case, I have identified instances of inaccurate personal information on my credit report, notably incorrect addresses. Despite my diligent efforts to rectify these inaccuracies, they persist, casting doubt on the accuracy and reliability of my credit report.
Violation of FCRA Section 623 : Responsibilities of Furnishers of Information to Consumer Reporting Agencies : I suspect that my rights under FCRA Section 623 have been transgressed. This section establishes that creditors and data furnishers are obligated to provide accurate and complete information to credit reporting agencies. The reported inaccurate addresses on my credit report not only undermine the integrity of the information but also raise concerns about the diligence of these entities in fulfilling their responsibilities.
Here are the specific accounts and details of the violations : XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
I implore the relevant parties involved to consider the emotional toll this ordeal has taken on me. The mere thought of my creditworthiness being compromised without my consent has caused sleepless nights and heightened XXXX. The uncertainty surrounding my financial future has strained relationships and affected my ability to pursue important life goals. I share this personal story not for sympathy, but to underscore the profound impact that these violations have on consumers beyond the confines of their credit reports.
In light of the circumstances outlined above, I kindly request the following : The immediate investigation and removal of unauthorized credit pulls from my credit report.
The rectification of inaccurate personal information, particularly incorrect addresses, in accordance with FCRA guidelines.
Swift compliance with FCRA Section 623, ensuring accurate and complete information is reported to credit reporting agencies.
Consideration of the emotional and psychological distress that such violations inflict on consumers.
I am committed to resolving this matter in a fair and amicable manner. I kindly request that you thoroughly investigate these violations and ensure that justice is served according to the applicable laws and regulations. Your assistance in rectifying this situation would not only alleviate my personal distress but also reaffirm my faith in the consumer protection framework.
Thank you for your time and attention to this pressing matter. I look forward to a resolution that upholds the principles of fairness, accuracy, and accountability.
Sincerely, XXXX XXXX
|
| 03/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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To Whom It May Concern : I have been a loyal card member of XXXX XXXX for 2 years and couldnt be happier with my decision to join the XXXX XXXXXXXX Family. Youve always offered some of the most competitive rates and rewards programs.
Unfortunately, in XXXX of XXXX I took advantage of our relationship and failed to submit my monthly payments on time. It was an exceptionally busy time in my life as I was balancing being sick and out of work at that time and fell behind on other bills too. I was the only person working and am the only on that had a job at the time. I contacted your representative in XX/XX/XXXX to find out what I can do to make my relationship better with XXXX XXXX and she in turn stated to me that if I paid the whole balance while being on the phone with her she can promise me that my account would be erased of all the negative late payments from the past and brought current and have my privileges for using the card issued again. The amount that she asked for was {$420.00} I believe, I paid half the amount and she stated she would remove the late as long as I made good on my on time payments. I in turn agreed to that taking place since I knew in the near future that I was going to be buying a home and wanted to make things better with XXXX XXXX I have since fulfilled my agreement and have been making on time payments also making more than the regular payment due at times. I was under the impression that this was a verbal contract since I fulfilled my part and XXXX XXXX has only fulfilled half of their agreement with me.
In XXXX, when I pulled my credit I noticed that the late payments were still on there so I call on XX/XX/XXXX and spoke to XXXX which he stated that he reviewed my account and saw that the dates that I was referring to were correct and that he was going to submit it to the department that corrects the three credit bureaus and that it would take 60-90 days for it to affect my credit. On XX/XX/XXXX I received a letter from XXXX XXXX letting my know that they researched it and due to the FCRA that they could not make any changes. I called and spoke with XXXX ( which was a manager ) and she looked into my account and said that since I was promised this to be removed and she would place another report using a different way from the last one that XXXX proceeded to write it in. She also said that it would take 60-90 days for it to be corrected and it should be no problem since she verified everything with me.
On XX/XX/XXXX I received yet another letter stating the same from the previous letters that I have received. I once again called and asked to speak to the XXXX XXXX Credit Bureau Resolutions, the department that the letter came from and was informed that there was no such department so I asked to speak to a manger again and I was connected to XXXX. I explained my situation again to him and he had me on hold for several minutes and came back on and told me again about the FCRA and it could not be done but understood that the lady I first spoke to promised me something that could not have been done. I then stated that it was wrong for her to promise me something since I believed it was a verbal contract and I fulfilled my side of the agreement. If I would have known this I would have just had it been a charge off since that hit on my credit and my FICO would have had less of an impact verses the late payments that I have on it now.
So this leads me to contacting you through this letter in hopes that you can help me with what I was promised and see that since I have been making good on my half of the verbal agreement. I would have made sure that I received a letter first before doing such an act in paying but I thought that since I am an honest person that she would and your company would be the same. I feel like I have regained your trust and knowing that since this happened I have not been late on any of my payments that I have with XXXX XXXXXXXX. I urge you to pull the recordings from said conversations with each representative to verify what was promised.
I am just asking for my promise to be made valid and my late payments be removed. The dates for the late payments are XXXX XXXX XX/XX/XXXX. I paid in full in XXXX when I was promised all of the late payments would be removed from my credit. I am hoping that you can fulfill your side and make my credit positive again with all three credit bureaus. I sincerely hope that XXXX XXXX believes in their customers and I humbly request your consideration to allow me to pursue my dreams. I appreciate your time and look forward to receiving a favorable decision from you soon.
Regards, XX/XX/XXXX To Whom It May Concern : In response to the document that XXXX XXXX wrote to me stating that my account was correct, I have found some issues with the information. I enclosed the original letter where XXXX XXXXXXXX stated that the information was correct but when I went on my account on line I found other issues and I have enclosed the reports that I have found on my account. The dates that were stated were late was XXXX 30 days, XXXX 30 days, XXXX 60 days, XXXX 90 days, XXXX 120 days, and XXXX 150 days late.
The first proof I have is the XXXX Year end summary. It stats that I was charged late fees for the following months : XXXX, XXXX, XXXX, XXXX, and XXXX. XXXX was cleared up for XXXX and XXXX. XXXX was never reported on my credit so that would make XXXX 30 days and XXXX 60 days. The XXXX year end summary shows no fee was charged for being late in XXXX, XXXX, XXXX and XXXX.
Enclosed is also a paper showing where I paid the XXXX bill that was verbally agreed upon in the amount of @ XXXX which was half the balance due. XX/XX/XXXX summary shows never late on the credit report but was charged a {$25.00} late charge. XX/XX/XXXX summary shows I made a payment and that the amount I paid was above the new balance amount that was billed to me. XX/XX/XXXX summary shows the balance is different from the XX/XX/XXXX. I made a payment in XXXX so I do not understand why I was charged a late fee from the month before. XX/XX/XXXX summary should be 30 days late and was charged a late fee of {$35.00} not the regular {$25.00}. XX/XX/XXXX summary should be 60 days late and was charged {$35.00}, the account was then suspended. XX/XX/XXXX summary shows that no late payment was issued and the account shows suspended. I believe that if in order for XXXX XXXX to report this as being late they should charge me the late fee which they did not for this month. XX/XX/XXXX summary shows that the account is restricted which I do not understand since it went from suspended to restricted and this month I was not issued the late fee again. I do not understand how XXXX XXXX can report late payments to the credit bureaus if they do not charge me a late amount. XX/XX/XXXX summary shows no late charge, balance is different and it is still restricted. XX/XX/XXXX summary shows the amount I promised to pay verbally and no restrictions on my card. XX/XX/XXXX summary shows payments have been made on time, which was agreed upon verbally with the customer service representative. As to this day I have not been late and have made my payments in a timely matter.
I do not understand how XXXXXXXX XXXX can support these findings since it clearly shows that they sometimes charged me for late fees, sometimes didnt, and also sometimes didnt report me for being late to the credit bureaus. XXXX XXXXXXXX made my account show suspended then after still not paying switched it to restricted. I owned up to what I did wrong I just hope that XXXX XXXX will own up to their representative making me a verbal agreement and remove all the lates off my account. I have showed several documents that are attached that XXXX XXXX doesnt report accurate items to credit bureaus.
Please look into this farther and see that I held up on my part of the verbal agreement and XXXX XXXX has not and they have different information then I do in my files.
Thank you for your time.
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXXXXXX Dear Sir/Madame RE : You Violated the United States Code Law ( FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ) and ( FDCPA 15 U.S. Code? 1692e.False or misleading representations ) FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to loose out on offers due to reporting this inaccurate item and not notating it was disputed.
15 U.S. Code? 1692e.False or misleading representations- ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
Under FDCPA 15 U.S. Code? 1692e.False or misleading representations- ( 8 ) you allowed this debt collector to violate my right. I disputed these items inaccurate over 35 days ago and you havent notated is as disputed. Which cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.
The items below should all be removed from my consumer report under 15 USC 1681s-2 ( 3 ) and 15 USC 1692e ( 8 ) violations.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXXXXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXXXXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX CA XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
You supposed to add notice within 30 days not 1 day over as I have proof.As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).
Sincerely, XXXX XXXX
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| 06/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
WHAT WOULD BE A FAIR RESOLUTION?
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| 09/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX XXXXtatement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
XXXX XXXX FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX XXXX As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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| 10/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX is furnishing deceptive information to the reporting agencies. This alleged debt has been cancelled and is now considered income. According to the IRS, nearly any debt you owe that is canceled, forgiven or discharged becomes taxable income to you. Income can not be reported to my consumer report.
15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.
( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter 15 U.S. Code 1692f - Unfair practices A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.
( 2 ) The acceptance by a debt collector from any person of a check or other payment instrument postdated by more than five days unless such person is notified in writing of the debt collectors intent to deposit such check or instrument not more than ten nor less than three business days prior to such deposit.
( 3 ) The solicitation by a debt collector of any postdated check or other postdated payment instrument for the purpose of threatening or instituting criminal prosecution.
( 4 ) Depositing or threatening to deposit any postdated check or other postdated payment instrument prior to the date on such check or instrument.
( 5 ) Causing charges to be made to any person for communications by concealment of the true purpose of the communication. Such charges include, but are not limited to, collect telephone calls and telegram fees.
( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement.
( 7 ) Communicating with a consumer regarding a debt by post card.
( 8 ) Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business.15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The false representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof.
( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt; or ( B ) any services rendered or compensation which may be lawfully received by any debt collector for the collection of a debt.
( 3 ) The false representation or implication that any individual is an attorney or that any communication is from an attorney.
( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action.
( 5 ) The threat to take any action that can not legally be taken or that is not intended to be taken.
( 6 ) The false representation or implication that a sale, referral, or other transfer of any interest in a debt shall cause the consumer to ( A ) lose any claim or defense to payment of the debt; or ( B ) become subject to any practice prohibited by this subchapter.
( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed.
( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.
( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action.
( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.
( 13 ) The false representation or implication that documents are legal process.
( 14 ) The use of any business, company, or organization name other than the true name of the debt collectors business, company, or organization.
( 15 ) The false representation or implication that documents are not legal process forms or do not require action by the consumer.
( 16 ) The false representation or implication that a debt collector operates or is employed by a consumer reporting agency as defined by section 1681a ( f ) of this title.15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
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| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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To Whom It May Concern, I am filing this formal complaint as a victim of the widely publicized XXXX data breach. I have been directly affected, as evidenced by the attached XXXX communication confirming the breachs impact on my personal information.
As a result of this breach, multiple unauthorized and erroneous entries have appeared on my credit report, which I believe have been sold and bought illegally. These negative accounts are as follows : XXXX XXXX XXXX options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Add a custom Message Last Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX XXXX Status : Collection/Chargeoff Account Rating : Creditor Type : Credit Card Account Status : Derogatory Show More Dispute Account : All Bureaus TransUnion XXXX XXXX XXXX XXXX Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment XXXX Account # : XXXX Add a custom Message Last Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : XXXX Account Rating : Creditor Type : Credit Card Account Status : Derogatory Balance Owed : {$600.00} Date Opened : XX/XX/XXXX High Balance : {$610.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$600.00} Account Type : Revolving Payment Frequency : Credit Limit : {$500.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XXXX XXXX Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History Account # XXXX XXXX Add a custom Message Last Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating XXXX Creditor Type : Auto Loan Account Status : Derogatory Balance Owed : {$11000.00} Date Opened : XX/XX/XXXX High Balance : {$21000.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$11000.00} Account Type : Installment Payment Frequency : Credit Limit : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : XXXX XXXX XXXX Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History Account # : XXXX Add XXXX custom Message Last Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating : Creditor Type XXXX Auto Loan Account Status : Derogatory Balance Owed : {$9200.00} Date Opened : XX/XX/XXXX High Balance : {$24000.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$9200.00} Account Type : Installment Payment Frequency : Credit Limit : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : XXXX XXXX Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History Account # : XXXX Add a custom Message XXXX Reported on : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating : Creditor Type : Credit Card Account Status : Derogatory Balance Owed : {$200.00} Date Opened : XX/XX/XXXX High Balance : {$320.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by grantor Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$200.00} Account Type : Revolving Payment Frequency : Credit Limit : {$200.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : XXXX XXXX Open options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment History Account # : XXXX Add a custom Message Last Reported on XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating : Creditor Type : Credit Card Account Status : XXXX Balance Owed : {$1100.00} Date Opened : XX/XX/XXXX High Balance : {$1100.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Charged off as bad debt Dispute resolved; reported by XXXX Payment Amount : {$0.00} Last Payment : XX/XX/XXXX Term Length : XXXX Past Due Amount : {$1100.00} Account Type : Revolving Payment Frequency : Credit Limit : {$850.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : XXXX XXXX XXXX XXXX options Transunion Late Payment History XXXX Late Payment History XXXX XXXX XXXX Late Payment History Account # : XXXX XXXX a custom Message Last Reported XXXX XXXX XX/XX/XXXX XXXX XXXX Last Activity : XX/XX/XXXX TransUnion XXXX XXXX Payment Status : Collection/Chargeoff Account Rating : Creditor Type : Unknown - credit extension, review, or collection Account Status : Derogatory Balance Owed : {$1500.00} Date Opened : XX/XX/XXXX High Balance : {$1500.00} Closed Date : Account Description : Individual Dispute Status : Creditor Remarks : Customer disputed account - reported by subscriber. Account seriously past due date/account assigned to attorney, collection agency, or credit grantor 's internal collection department.
Payment Amount : {$0.00} Last Payment : - Term Length : XXXX Past Due Amount : {$1500.00} Account Type : Open Account Payment Frequency : Credit Limit : {$0.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Last Verified : In the aftermath of the breach, I have spent significant time and resources attempting to correct my credit report, including : XXXX XXXX repeatedly to dispute errors ; Drafting and mailing dispute letters ; Examining credit reports for inaccuracies ; Visiting the post office to send communications ; Engaging in certified mail transactions for legal proof of dispatch and receipt.
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report and request a detailed investigation. XXXX acknowledgment of the data breach incident, which led to the exposure of my sensitive personal data, substantiates the invalidity of the accounts listed.
I am seeking the XXXX XXXX XXXX XXXX assistance in ensuring that these inaccuracies are investigated and that the wrongful accounts are deleted from my credit report promptly.
I am requesting that the CFPB facilitate the following actions : XXXX. An immediate and thorough investigation into the disputed accounts.
XXXX. XXXX with XXXX to ensure the deletion of these inaccuracies.
XXXX. Confirmation of the removal of all erroneous entries from my credit report.
Enclosed are all the relevant documents, including proof of the data breach acknowledgment from XXXX and records of my efforts to remedy this situation.
Thank you for your attention to this serious matter. I am looking forward to a resolution that rectifies the damages I have suffered due to this data breach.
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| 09/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
WHAT WOULD BE A FAIR RESOLUTION?
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| 06/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The Master Promissory Note ( MPN ) must contain 8- pages which incorporate an itemized list of the total amounts disbursed during my time at college. XXXX has furnished copies of the front end of the two-sided Application and MPN, and separate copies of what could be the back ends of any persons documents. Moreover, nothing links these copies reliably together. There is no information on the separate copies of the back ends that relates them reliably with the front ends of the application and MPN documents. The MPN provided appears to be fraudulently combined together as one. The MPN combines separate notes as if it were the original copies, appearing as one MPN. The information provided by XXXX, displays an MPN from XXXX endorsed in XXXX at XXXX XXXX XXXX College. Ordinarily, MPNs include the principal amounts loaned ; however, the 2nd part displays an application for an MPN signed in XXXX with 2 principal amounts. The XXXX, XXXX, claims it holds legally binding MPN. Consequently, XXXX is responsible for validating such claims and the corresponding monetary demands. In accordance with case law, ( as assignees, the Guaranty Agencies and other secondary holders step into the shoes of the lender from whom they have taken the MPN notes and are subject to any defenses that the student/obligee may assert against the assignor/lender. See Jackson v. Culinary School of Washington, 788 F. Supp. 1233, 1248 n.9 ( D.D.C. 1992 ), reversed on other grounds, 27 F.2d 573 ( D.C. Cir. 1994 ), vacated, 515 U.S. 1139, on reconsideration, 59 F.3d 354 ( D.C. Cir. 1995citing ). Based on the available information, the records were created after I withdrew from college without the existence of the corresponding lending and borrowing transactions or any other relevant documents. Such internal record creating does not create liability, the partial, front-end copies of the Application and MPN, XXXX has furnished, are financial aid applications. Based on the available information, qualifying MPN in this case do not exist at all, and XXXX does not have even the original two-sided financial aid Application and MPN documents in its possession. Based on the available information, XXXX has partial copies of irrelevant documents, created internal records and now claims ownership of an alleged debt, these documents do not contain the following information that is necessary for a document to qualify as a legally binding MPN : 1. The exact principal amount that has to be paid. An MPN must be an unconditional promise to pay. The endorsed partial duplicate of the Application and MPN financial aid document on its own is not an unconditional promise to pay, since the financial aid applicant may possibly not collect any loan at all, or may obtain the loan in the future at an unidentified point in time, in which circumstances the loan amount will be disclosed to the debtor in the Notice of Loan Guarantee and Disclosure Statement. The Application and MPN financial aid document does not affirm with certainty that the financial aid applicant will receive or has received any loan amount at all. If the applicant does not obtain any loan amount, then there is no responsibility or debt obligation. If XXXX maintains that lending and borrowing transactions occurred, XXXX must supply relevant signed documents that amount to legally binding debt instruments and unconditional promise to pay. If XXXX is the concrete legal owner of the alleged debt ; moreover, XXXX must have the original, fully qualifying MPN documents in its possession. XXXX client has yielded copies of the front end of the two-sided Application and MPN documents, and separate copies of what could be the back ends of any persons documents. Consequently, nothing connects these copies reliably together. There is no data on the separate copies of the reverse ends that correlates reliably with the front ends of the Application and MPN documents. I do not accept the unidentifiable unconnected back ends as portions of the same documents. Any person who processed these records could have created a copy of the front end of my financial aid applications, and the back end of another persons financial aid applications, and put them next to each other either accidentally or intentionally, claiming that these two copies belong together as one document. XXXX must furnish exact duplex copies of the original Application and MPN documents as requested above. However, during the 1-year long debt validation dispute, XXXX has not been able to furnish exact duplex copies of the original Application and MPN documents. Instead, XXXX sent partial copies of documents, that were made from partial copies of documents. Please ensure not to send one-sided copies, so that you create separate copies of the front and back end of the original documents. Similarly, please do not send two-sided copies that are made from copies. Such copies can be prepared by putting together two sheets of paper and photocopying both sides as if it were one document. Such exploit is equivalent to forgery. During the period I attended XXXX XXXX College, I did receive financial Aid which including scholarships, loans and grants. In addition, according to my Award letter from XXXX, it does disclose I had Stafford Subsidized and unsubsidized loans. However, it isnt deemed a valid award letter, due to it not indicating the total amount of assistance which includes the total amount of income. Moreover, it also does not include my signature. I received a breakdown of the payments from XXXX ; however, it doesnt appear the award letter is valid. It seems as if XXXX XXXX billing provided an award letter without a signature, which included the Stafford Subsidized and unsubsidized loans. However, I didnt realize that there was a requirement to sign this letter at the time. It appears as if XXXX XXXX indicates I accepted these funds for education, then XXXX retrieved the information and started collecting payments for which I didnt obtain at college. In addition, I didnt receive an acknowledgement from XXXX that XXXX XXXX provided payment. Also, not included in the request, was a loan origination record. Moreover, XXXX provided an award letter that wasnt drafted correctly. This award letter, included a financial aid letter without a signature. After I left college, I received a letter from XXXX requesting to sign documentation to confirm the loan will pay for college. I signed the document because I thought this was the document to sign for the Stafford Subsidized and Unsubsidized loans. The service at that time was XXXX, XXXX and XXXX. For the past several years, I paid XXXX/XXXX XXXX a monthly amount. I demanded an MPN from the company. They furnished information ; however, this was endorsed after I departed college. I asked XXXX to eradicate this trade-line from my credit report ; nevertheless, XXXX and Transunion allowed the aforementioned on my credit report. I requested signed loan information before I started school in XXXX. XXXX failed to provide a signed School Certification or MPN. For that reason, I would like to have all the payments refunded that I paid to XXXX XXXX XXXX in the amount of {$16000.00}. Accordingly, I request that XXXX client furnishes copies of the following documents : 1 ) Exact copies of the original documents that demonstrate that student loan lending and borrowing transactions did take place and the resulting debt exists. Therefore, please have each document notary certified, stating that : 2 ) The document is the exact copy of the original document, not a copy of a copy 3 ) The copy was made in the presence of the notary who certifies it. 4 ) Which company or organization currently holds the original document. In summary, the information provided by XXXX doesnt provide a valid Master Promissory Note, Award Letter, School Certification letter, Notice of Loan Guarantee, or disbursement, nor a receipt from XXXX XXXX XXXX paid to XXXX XXXX University, and no receipt from XXXX XXXX.
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| 08/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am filing this complaint on all three credit bureaus for their involvement in an illegal involving many state and federal government employees, numerous ordinary individuals, employees at all three credit bureaus, XXXX and its XXXX play services, XXXX and apps, XXXX and XXXX and numerous officers of the courts. I am the targeted individual because of what I know and what I have already proven by documented evidence from Georgia, Illinois and Indiana. I will complete that which God has ordained me to complete.
I have attempted to correct illegal and incorrect information on my credit report for many years. I have retained some of the reference numbers and confirmation numbers issued by the credit bureaus : Trans Union XXXX File # XXXX, which consist of my complaints against XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX # XXXX, Trans Union # XXXX, XXXX # XXXX, XXXX # XXXX. All of my complaints have gone without a resolution.
All three credit bureaus received and stored alleged negative credit information on my credit file, without requiring the furnisher of information to provide legal proof of the negative credit information. All three credit bureaus participated in the electronic data manipulation of my private and personal information, which is ongoing today, especially within all of my email accounts, and my complaints filed with Consumer Financial Protection Bureau. All mentioned above have also engaged in altering electronic information within colleges I attended and within data submissions I completed, most recently, while I completed testing at XXXX in XXXX, Indiana.
XXXX XXXX XXXX XXXX, continued to file negative credit information in my credit file, while knowing they had no legal right to do so. See first Exhibit attached, which is my copy of the Vehicle Sales Agreement which reveal no lienholder/creditor. I filed a civil action against XXXX XXXX, et al, in the XXXX District Court of XXXX, with Chief Judge XXXX XXXX presiding, Case # XXXX. Facts and evidence, with this action supports that Judge XXXX XXXX, along with numerous government employees have aided all named Defendants, while denying all my motions to add additional needed defendants to the action. All legal documents I filed in this action was ignored by the Chief Judge and XXXX XXXX was allowed to walk away with clean hands even though their hands are still full of mud from illegal activities relating to this case and involving my life and my chosen liberties.
The Exhibits are : Plaintffs Exhibit Loyal 2, is a document produced by XXXX XXXX, et al, with a false altered date, entered at the top left side- Order Date : XXXX. XXXX XXXX, et al, produced this fraudulent document from XXXX and stated this document is the date the Order to Repossess was initiated for my XXXX XXXX XXXX to be Repossessed in XX/XX/XXXX. If you would move down to almost the very end of this document, you will notice the Copyright 2016 Recovery Database Network. The Copyright clearly reveal this document was created in XXXX, then illegally backed dated to XXXX. This is a crime of XXXX, with the altering of XXXX, to willfully commit fraud. Judge XXXX aided in this criminal matter by illegally dismissing my Title VII federal action with prejudice. The next Exhibit B, is one of many denials of credit I received, because of the negative credit information reported by XXXX XXXX, et al to the credit bureaus. XXXX directed me to wait and become educated on XXXX Courses, I recently completed, whereby the study of XXXX and XXXX maniipulation, which is the illegal alterations of electric data history, so that I would gain accurate knowledge of what has been perpetrated against me and why. Exhibit G, is a partial copy of the credit report, which was also filed in my civil action against XXXX XXXX, et al, which reveals, the fraudulent information the credit bureaus allowed to be added to my credit history file. Exhibit D is a collection letter I received from XXXX XXXX XXXX , XXXX, which is their attempt to collect on a fraudulent debt created by XXXX XXXX, et al. Exhibit H is another partial credit report, again revealing XXXX XXXX, et al- false information added to my credit file. I fought for years, by requesting the credit bureaus remove this false information from my credit file, to no avail. The recently in XXXX, after Judge XXXX fraud upon the court by allowing XXXX XXXX, et al and the City of XXXX to receive favorable rulings based upon this fraud.
From the documents I have submitted, it is clear that a legal creditor/debtor relationship never existed between XXXX XXXX, et al and XXXX XXXX. All three credit bureaus failed to protect my credit history from illegal entries. All three credit bureaus failed to maintain a complete credit history for XXXX XXXX. The credit bureaus failed to maintain a complete credit file to sustain my residency in XXXX, XXXX for many years before relocating to XXXX. I paid off a mortgage at XXXX XXXX XXXX, XXXX, XXXX, prior to my move to XXXX in XXXX. Trans Union credit report # XXXX, reveal my XXXX employment with the XXXX XXXX XXXX, XXXX but nothing is mentioned that I paid off my mortgage at XXXX XXXX XXXX, XXXX, XXXX. Yet, my credit history has never revealed this payoff, never revealed my accurate credit history. My credit score has never changed from 400-500, until XX/XX/XXXX, with the numerous inquiries by XXXX XXXX and the credit bureaus scheming with XXXX XXXX to alter my credit score now- because they know I am reaching out to Washington , DC to seek the federal governments aid in this entire matter.
From my submissions, you can see that I filed numerous complaints, over several years, with all three credit bureaus, with no resolution and with all three credit bureaus ignoring all of my complaints against XXXX XXXX, et al, XXXX, XXXX and especially IRS, for their numerous tax liens filed against me in XXXX County XXXX for many years, including a fraudulent garnishment of my wages back in XXXX.
As stated above, in XX/XX/XXXX, XXXX XXXX, et al, made numerous hits to my credit file, without my knowledge or legal authority to do so. My credit score went up to XXXX as stated by the screen shot attached from XXXX. XXXX increased my credit score on XX/XX/XXXX. I did nothing to receive this increase in XXXX.
Since the civil conspiracy against me, is still ongoing, all parties mentioned, as well as other entities and individuals, not yet mentioned, are all equally liable- up to the completion of the last illegal act in the perpetrated civil conspiracy against me which is still ongoing to this date.
This complaint follows my two previously submitted complaints on XXXX and IUPUI to CFPB and CFPB Ombudsman. It appears the conspirators are illegally, by electronic means, interfering with this complaint process, as well. Whereby, electronic data manipulation is evident and I will continue to do everything in the powers that God has given me to expose the cult and their electronic data fraud. I have been the target of electronic data manipulation for years but I gained accurate knowledge of the cult like activities while I was employed at XXXX XXXX XXXX. It was at the center that XXXX targeted me by manipulating my data from XXXX to present.
I am requesting an investigation on all three credit bureaus on all stated matters, relating to my credit history and credit score being illegally altered, and deliberately kept at a low credit score since the early XXXX. This credit conspiracy against me, has resulted in poor credit ratings, denial of credit and denial of sustainable employment, spanning many years back. I also request that each individual, employed within all three credit bureaus, who are involved in this civil conspiracy, be held accountable, along with XXXX, who appear to be leading the electronic data manipulation conspiracy upon the " world '', It appears their electronic data manipulation has gone undetected and under the radar of government agencies, until NOW.
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| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Statement # 1 Transunion XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Balance : {$960.00} In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Statement # 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act DEPT OF XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act DEPT OF XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Statement # 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
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ORIGINAL LETTER : AS FOLLOWS : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Attached, here is my Tracking Report Number : XXXX.
Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
Accounts verified, Accounts verification.
This is not making any sense.
I Sent my letter off on XX/XX/2023. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below.
Account Name : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID FOR COMPLAINT SENT TO XXXX XXXXXXXX XXXX XXXX XXXX ID FOR COMPLAINT SENT TO TRANSUNION INTERMEDIATE HOLDINGS , INC .
XXXX ID FOR COMPLAINT SENT TO XXXX XXXX XXXX XXXX XXXX
XXXX According to the law 15 U.S. Code 1681 - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
This is another violation.
( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 U.S. Code 16815-2 Responsibilities of furnishes of information to consumer reporting agencies ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( il ) review all relevant information provided by the consumer with the notice ; ( ti ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code 16815-2 Responsibilities of furnishers of information to consumer reporting agencies, 15 U.S. Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code Subchapter III - CREDIT REPORTING AGENCIES 15 U.S. Code 1681 Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate.
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies.
In accordance with the Fair Cred : Reporting Act Everything has to be 100 % accurate on my credit report.
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Moreover important information as such. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my wiftten instructions, However the credit bureaus said the completed the investigation and everything was 100 % accurate.
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.
The term " investigative consumer report* means a consumer report or portion thereof in which information on a consurer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
I would like to know who did they talk to.
How did they complete this investigation I want the CFPB to publish this description on consumerfinance.gov Correction to a credit report ; I demand this account be deleted from my credit report Immediately.
|
| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Older American |
|
Re : XXXX XXXXXXXX XXXX XXXX XXXX Violations of Fair Credit Reporting Act.
Regulatory Background The Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ) amended the Fair Credit Reporting Act ( FCRA ), including a provision in Section 4021 that directs lenders to report a credit account as current if the consumer has sought payment relief related to difficulties caused by the national emergency.
With the purpose of clarifying federal guidelines, the Consumer Financial Protection Bureau ( CFPB ) issued on XX/XX/XXXX a document entitled : Consumer Reporting FAQs Related to the CARES Act and COVID-19 Pandemic ( Last updated XX/XX/XXXX ). ( Copy attached as EXHIBIT 1, for prompt reference ).
In page 1 of the FAQs, the CFPBs document states that : An accommodation includes any payment assistance of relief granted to a consumer who is affected by the COVID-19 pandemic during the period from XX/XX/XXXX, until 120 days after the termination of the COVID-19 national emergency declared by the President on XX/XX/XXXX, under the National Emergencies Act. Such an accommodation includes, for example, agreements to defer one or more payments, make a partial payment, forbear any delinquent amounts, or modify a loan or contract.
Recollection of Events I obtained a forbearance for the Mortgage Loan # XXXX on XXXX. The lender is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( further referenced as XXXX ). The forbearance period was later extended until XX/XX/XXXX. The lender refused further extending the forbearance. It is worth noticing that XXXX has not presented evidence verifying that the entity XXXX XXXX explicitly provided written instructions toward not extending further the forbearance periods. No evidence has been presented either that the entity demanded payment of the full balance at the end of the forbearance. Besides, nowhere in the CARES Act it is stated that the forbearance implies payment in full immediately at the end of the relief period.
In a former letter XXXX has said that the Loss Mitigation Specialist XXXX XXXX was the single point of contact ( SPOC ), and that she was unable to get back to me on XX/XX/XXXX.
This comment is incomplete as XXXX omits to mention that I had multiple interactions with XXXX XXXX and other members of the Loan Mitigation Team after such date.
XXXX Compliance Department does not acknowledge either that XXXX XXXX provided misleading and inaccurate information. Evidently XXXX Compliance Department is not fully aware of the extent of interactions that took place with the Loan Mitigation Unit. This lack of internal coordination between XXXX departments is highly unfair and undesirable, as translates into undeserved penalties for consumers.
As a matter of fact, I exchanged multiple emails with XXXX XXXX XXXX after the referenced date, on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX refused to explain why a further extension of the forbearance was mentioned in XXXX correspondence, but she was not offering that to me. In addition, XXXX XXXX misrepresented the interest rate and monthly payments for the modification option. These are important parameters for reaching a decision.
On XX/XX/XXXX I requested an amortization table to evaluate alternative options for accommodations, and XXXX XXXX simply declined returning my phone calls. Given that precious time was getting lost due to the neglecting treatment received, I escalated this case on XXXX to XXXX XXXX XXXX, Loss Mitigation Senior Manager. XXXX XXXX apologized for the service omissions of XXXX XXXX, and finally gave instructions to send me an amortization table.
On XX/XX/XXXX XXXX XXXX communicated that the loan modification trial had been approved, and sent me the offer, at a better interest rate that mentioned by XXXX XXXX. At such point we had already reached an ongoing accommodation before the forbearance period expired, which implied credit reporting protection as per the CARES Act. XXXX was not correct when reported this loan as delinquent, and violated US Federal Regulations.
On XX/XX/XXXX, a different department from XXXX sent me a letter asking for payment no later than XXXX. I consulted with XXXX XXXX about whether to follow that letter, and she let me know that I could start the first payment on XX/XX/XXXX. I decided to get it started anyway on XX/XX/XXXX, and established autopay to avoid any late penalties.
On XX/XX/XXXX I messaged XXXX XXXX informing that the trial payments had been concluded. I never received any further messages or phone calls from her, I dont know if she was removed from her position. On XX/XX/XXXX I signed the final Modification Agreement and on XX/XX/XXXX I closed the sale of the mortgaged property and liquidated in full the pending balance with XXXX.
I include all emails exchanges with XXXX Loss Mitigation Department in EXHIBIT 2 to document the correspondence that XXXX Compliance Department is omitting to acknowledge. These messages provide evidence that the loss Mitigation Department never mentioned that the balance had to be paid in full at the end of the forbearance period. XXXX Compliance has not presented proof either that the entity XXXX XXXX imposed those payment-in-full terms. XXXX should assume full responsibility for what their representatives express or fail to express to the public. Besides, paying the balance in full would defeat the whole intention and purpose of the CARES Act.
XXXX XXXX never mentioned that the XXXX modification trial payments would be reported as delinquent, otherwise I might have chosen a different option for accommodation.
Regardless of whether the Compliance Department is acting out of miscommunication or bad faith, their policies are detrimental for everyone and do not really benefit XXXX, as lead only to generalized litigation. The company has built an industry reputation for not being well organized and is facing already multiple open cases for violations.
XXXX has said that During a trial plan for a Loan Modification, the credit guidelines allow the delinquency to be reported, but we must furnish a Special Comment indicating you are paying on a partial payment agreement. Such comment is not correct, as the CFPBs document referenced on EXHIBIT 1 states that the credit protection does not expire until the President declares the COVID-19 emergency is over ( which has not happened yet ). The CFPB Q & A states in page 3 that : the CARES Act requires a furnisher to report a credit obligation or account as current if it was current prior to the accommodation.
The document continues clarifying how the reporting should be labeled as current : Furnishing a special comment code indicating that a consumer with an account is impacted by a disaster or that the consumers account is in forbearance does not provide consumer reporting agencies with this CARES Act required information and therefore furnishing such a comment code is not a substitute for complying with this requirement.
XXXX XXXX XXXX from XXXX XXXX Compliance Department has said that we must treat all of our customers fairly and consistently, as required by the Fair Credit Reporting Act. Consistent unfair treatment, as the one I have received, will only translate into multiple litigation from the public due to these systematic violations of federal regulations. Shellpoint double-downs repeating that they have reported information to the credit bureaus correctly, which reveals that they are not current in their understanding of the amendments to the CARES Act.
XXXX has never acknowledged the CFPBs referenced Q & A document. The CFPB should be more active enforcing regulations passed by the US Congress, and not just closing cases after violations are reported. Or at least should forward this case to the competent Federal Authorities.
" Errare humanum est, sed perseverare diabolicum " XXXX XXXX XXXX XXXX. Office of Congresswoman XXXX XXXX XXXX.
Cc. Office of the Attorney General, Florida
|
| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I have suffered actual damages in the form of emotional and mental pain and anguish, stress, humiliation, embarrassment, anxiety and nervousness, from the actions or lack of actions, of XXXX, XXXX, TransUnion, XXXX XXXX, XXXX ( Hereafter The Credit Reporting Agencies ) and will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.
As a result of The Credit Reporting Agencies conduct, I have suffered actual damages in the form of injury to credit rating and reputation, and a decreased credit score, and I will continue to suffer the same for an indefinite time in the future, all to my great detriment and loss.
At all times hereto, The Credit Reporting Agencies is a person associate employed by the consumer reporting agencies, and consumer reporting agency as those terms are defined by 15 U.S.C. 1681a ( b ) and ( f ).
At all times pertinent hereto, I am a consumer as that term is defined by 15 U.S.C. 1681a ( c ).
At all times pertinent hereto, the below-mentioned credit were consumer reports as that term is defined by 15 U.S.C. 1681a ( d ).
Pursuant to 15 U.S.C. 1681n and 15 U.S.C. 1681o, Credit Reporting Agency is liable to me as a consumer for engaging in the following conduct : 1 ) Reporting aged debts, as new in 2020 on my credit file.
2 ) outgoing communication requesting debt validation, of a reported error on my credit file, without California residents consent to solicit any creditor for my information or proof of what is being reported. The Credit agencies do not have my consent to solicit information from anyone on me.
3 ) In all past reports submitted to the Credit Reporting Agencies, via consumer protection port the credit reporting agencies sent a request to the creditor reporting wrong information, asking for the creditor to respond. This was done without my consent. I did not give consent nor imply consent to send out a request to a third party to request my personal information or the derogatory account being falsely reported.
Firstly, I am a California resident, and live in a state protected by its own constitution and privacy laws. I hereby revoke any and all permissions of XXXX, TransUnion, and XXXX, together with XXXX XXXX, XXXX to sell my derogatory information, or supply my derogatory information to third party banks. Moreover, let it be noted hereto [ a ] ny new debt, reported on my credit in 2020 or credit pull, I have not agreed to, nor applied for. I have no new debt. The resent 2020 addition of an alleged new debt to my credit file is unlawful, false and misleading. I do not give XXXX, XXXX, or TransUnion or any associated entities my consent, to communicate with the creditor falsely reporting the alleged new debt in 2020.
For XXXX to communicate with any third party regarding the validity of the reported debt will be a violation of California privacy, laws. A cursory review of my credit file will show the debt has been on my credit file for longer than 7 years, and thus even under the circumstance of the debt being sold or transferred to another LLC, the LLC holding the old debt can't report a debt as new.
This complaint asserts, XXXX, XXXX, or TransUnion is in perceived potential violation of the Fair Credit Reporting Act ( hereafter the FCRA ), 15 U.S.C. 1681 and reporting misleading and false derogatory and inaccurate statements and information relating to myself, and credit history to third parties. Due to XXXX, XXXX, or TransUnion ( hereafter the Credit Reporting Agencies ) faulty procedures, the credit worthiness is impacted.
A very good parallel case of Credit Reporting Agencies faulty procedures has emerged in the new 2020 class action lawsuit filed ref ; Sass et al. v. Great Lakes. In the current class action, It is alleged, XXXX, XXXX and TransUnion has illegally damaged the credit, of Millions of student loan Borrowers by reporting inaccurate information on consumers credit, passed onto the Credit Reporting Agencies by creditors. The complaint alleges 8 million federal student loan lenders mishandled the implementation COVID-19 relief by illegally providing inaccurate information about millions of its customers to XXXX, TransUnion, and XXXX, each CREDIT REPORTING AGENCY of which in turn HAS illegally reported this information. Damaging the credit of millions of people. Further, each of these companies, in their capacities as the joint owners of XXXX XXXX, XXXX, which was also named in the complaint, treated this inaccurate information as derogatory and sold borrowers improperly damaged credit scores to third parties.
I hereby file formal notice, to the Credit Reporting Agencies, for the purpose of recorded evidence, too. And the use of this in a potential future lawsuit, and I elect by free will to allow the Consumer Protection Bure to make this document public, and allow the plaintiff in the current lawsuit Sass et al. v. Great Lakes the right to use this complaint as evidence to support the exsiting 2020 class action lawsuit alleging " Faulty Practices '' of the Credit reporting agencies. The Credit Reporting Agencies have been notified, by me as an individual, the reporting of new debt on my credit report in 2020 is not true, and inaccurate. Keeping it on my credit past XX/XX/2020 is inappropriate.
Moreover, allowing for a new entity, to report an old debt as new is alleged to be a lack of due diligence. This illuminates simmilar faulty practices the Credit Reporting Agencies are currently in a class action lawsuit on. In the lawsuit, it is alleged the student lenders passed the derogatory information onto the credit reporting agencies ( COVID-19 laws did not allow for ) and the Credit Reporting Agencies are alleged to have just gone ahead and reported it, on public record, of millions of people, without validating the lenders ' accuracy. A key point of the currnet lawsuit, iscredit reporting agencies are alleged to have not conducted due dalliance to validate if the lenders were being compliant with the law and new COVID-19 laws in particular, reporting unpaid student loans during COVID-19.
The fair credit reporting act, does not allow for the reporting of a debt more than a statute f limitations on the credit report. In 2020 there is a new debt on my credit. A simple cursory review of my credit report will reveal is report for more than 7 years. The Credit agencies has failed to pick up the debt has been sold to another company, and there is no evidence to show it was lawfully sold to the new entity wrongfully reporting the debt as new. It is clear that this is the same debt, that has been reported for years. The current 2020 lawsuit this, has very close parallel circumstances to my credit file and the Credit Reporting Agencies Faulty practices.
The Credit reporting agencies protocol when receiving this letter is to send out a letter to the creditor falsely reporting my information, to verify the information. However, I do not give The Credit Reporting Agencies my permission or consent to communicate to a third party or request information on me. To do so is a violation of the California privacy laws.
When I advise The Credit Reporting Agencies the information being reported is inaccurate, I consider it a mental torment, and harassment that instead of removing the offending and misleading data, the Credit reporting Agencies send a request to the creditor alleged to be reporting the wrong information, requesting the creditor to validate the information on my credit file. Who gave the credit reporting agencies consent to request information on me from a 3rd party? I do not. It seems again, faulty practices and processes.
I hereby demand the credit reporting agencies remove immediately, the derogatory information on my credit report.
1 ) XXXX XXXX, and any other entities the debt appear in, including but not limeted to XXXX XXXX XXXX XXXX XXXX and the new 2020 entity created displaying the old XXXX XXXX debt.
2 ) XXXX XXXX 3 ) XXXX.
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely XXXX that I might XXXX day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an openaccount with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
WHAT HAPPENED?
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( XXXX ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( XXXX ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( XXXX ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( XXXX ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( XXXX ) or derogatory claims of credit.
XXXX ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( XXXX ), and or otherwise derelict documentation of claim ( XXXX ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
XXXX ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( XXXX ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( XXXX ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( XXXX ) or delinquencies of debt alleged in above noted claim ( XXXX ), perfect and prove-able compliance of collection actions related to claim ( XXXX ), and compliance of reporting actions related to claim ( XXXX ) ... ... ... ... ... .....
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with t o-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate complian
t proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff XXXX s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
XXXX ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory
Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever r
eceiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely XXXXne that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, XXXX PRIVACY RULE, XXXX, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plain
tiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
XXXX ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX XXXX. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 03/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
XXXX XXXX accounts are all duplicate accounts with different account numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00}, is in violation of multiple laws set forth by Congress in regard to the two ( 2 ) following account # 1575. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) , making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) ), ( XXXX ), ( XXXX ), shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, TransUnion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX, XXXX ) XXXX XXXX, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { { {$23000.00} }, XXXX {$11000.00}, XXXX {$11000.00}, in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX, XXXX, XXXX, has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX, XXXX, XXXX, terms and conditions they agreed not to share my information with nonaffiliates. XXXX, XXXX, and TransUnion not an affiliate of XXXX XXXX XXXX XXXX, XXXX, XXXX, nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX, XXXX, XXXX, must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Credit Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse.
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 09/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of c
ollection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisi
te presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even
the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquenc
ies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), a
nd or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in fu
ll validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the ac
cusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting XXXX XXXX into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, XXXX PRIVACY RULE, XXXX, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
XXXX ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of XXXX XXXX statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
XXXX ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity XXXX XXXX XXXX that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX XXXX. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCR
A 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine XXXX. Identity Theft XXXX XXXX XXXX XXXX I Account Number : XXXX This is not mine.
XXXX. Identity Theft US DEPT ED Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX XXXX LA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, XXXX PRIVACY RULE, FACTA, FDCPA and XXXX, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX XXXX. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 09/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immedi
ate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right an
d preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, XXXX PRIVACY RULE, FACTA, FDCPA and XXXX, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until XXXXROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL.
Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or
derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY
, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and
call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unk
nowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and
derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX XXXX reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX XXXX Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX XXXX. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following :. ( XXXX ) The name and address of the organization or other governmental unit alleging a debt ;. ( XXXX ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( XXXX ) The name of the actual creditor even if that is myself ;. ( XXXX ) The origin of the funds used to create this alleged claim of a debt. ( XXXX ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
. ( XXXX ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
. ( XXXX ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( XXXX ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
. ( XXXX ) Be advised that verification is defined ( XXXX XXXX XXXX, XXXX XXXX ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
. ( XXXX ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
. ( XXXX ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( XXXX ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
XXXX ( XXXX ) The person that prepares and swears to the validation of debt must describe : XXXX ) your job description on a daily basis ; XXXX ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; XXXX ) how long have you been in your position ; XXXX ) when did you first come in contact with the alleged account/debt ; XXXX ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; XXXX ) are you the person/employee who regularly works with the alleged account/debt ; and XXXX ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( XXXX ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above- named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed XXXX claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See XXXX v. XXXX XXXX XXXX XXXX XXXX, XXXX.
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( XXXX ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 05/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( XXXX ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX Transunion XXXX XXXX XXXX XXXX XXXX ) has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) an
d rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and respon
sibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you
as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting
despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely XXXXne that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX accounts are all duplicate accounts with different account numbers. XXXX XXXX : Account # XXXX {$25000.00}. XXXX XXXX : Account # XXXX $ XXXXXXXX XXXX XXXX Account # XXXX {$23000.00}. XXXXXXXX XXXX : Account # XXXX {$23000.00}. XXXX : Account # XXXX {$11000.00}. XXXX # Account # XXXX {$11000.00}. XXXX XXXX : Account # XXXX {$440.00}, is in violation of multiple laws set forth by Congress in regard to the two ( 2 ) following account # 1575. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), ( XXXX ) , ( XXXX ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX XXXX XXXX ) , ( XXXX ), ( XXXX ) , making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) ), ( XXXX ), ( XXXX ), shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, TransUnion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX, XXXX ) , XXXX, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { { {$23000.00} }, XXXX {$11000.00}, XXXX {$11000.00}, in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX, XXXX, XXXX, has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX, XXXX, XXXX, terms and conditions they agreed not to share my information with nonaffiliates. XXXX, XXXX, and TransUnion not an affiliate of XXXX XXXX XXXX XXXX, XXXX, XXXX, nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX, XXXX, XXXX, must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Credit Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse.
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| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I ha
ve no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of clai
m ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of eve
r receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof
of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt
( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full acc
ordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE
to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely XXXX that I might XXXX day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/25/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complain
t is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the XXXX, FCRA, XXXX PRIVACY RULE, XXXX, FDCPA and XXXX, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 01/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 12/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again
I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim (
s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable
document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the
defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance.
Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of
APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/26/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have
no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogato
ry behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory
claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/18/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/16/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/12/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in stat
ement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectifica
tion of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 02/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 01/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s
) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of XXXX XXXX XXXX is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the XXXXo-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 12/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 12/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of XXXX did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXXpieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 02/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well w
ith reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely o
ne that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 06/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued
me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove- able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove- able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove- able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove- able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove- able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove- able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s
) ... ... ... ... ... ... ..
|
| 04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts open unbeknownst of me ....
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued
against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no k
nowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 04/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of XXXX did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification
of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal XXXX portioned personal identifiers, the pay statuses, the required XXXX of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 09/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$6200.00}, {$5400.00}, {$13000.00}, {$8500.00}, {$0.00}, {$1100.00}, {$5300.00}, {$0.00}, {$2200.00}, {$5800.00}, {$190.00}, {$350.00}, {$320.00}, {$180.00}, {$440.00}, {$1100.00}, {$480.00}, {$170.00}, {$450.00}, {$220.00}, {$280.00}, {$240.00}, {$310.00}, {$190.00}, {$160.00}, {$160.00}, {$110.00}, {$61.00}, {$1100.00}, {$160.00}, {$100.00}, {$160.00}, {$130.00}, {$220.00}, {$250.00}, {$160.00}, {$110.00}, {$680.00}, {$130.00}, {$140.00}, {$120.00}, {$120.00}, {$270.00}, {$400.00}, {$700.00}, {$390.00}, {$250.00}, {$180.00}, {$85.00}, {$260.00}, {$290.00}, {$270.00}, {$210.00}.
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$0.00} -This is not my account.
2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
3. XXXX XXXX XXXX with ACCT # XXXX opened onXX/XX/XXXX with a balance of {$6200.00} -This is not my account.
4. XX/XX/XXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account.
5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account.
6. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
7. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
-- AUTO ACCOUNTS 8. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.
10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
-- OTHER ACCOUNT 11.XX/XX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.
-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.
13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$190.00} -This is not my account.
14. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$350.00} -This is not my account.
15. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account.
16. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account.
17. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$440.00} -This is not my account.
18. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
19. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$480.00} -This is not my account.
20. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$170.00} -This is not my account.
21. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$450.00} -This is not my account.
22. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account.
23. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$280.00} -This is not my account.
24. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$240.00} -This is not my account.
25. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$310.00} -This is not my account.
26. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$190.00} -This is not my account.
27. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
28. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
29. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
30. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$61.00} -This is not my account.
31. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account.
32. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
33. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account.
34. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
35. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
36. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$220.00} -This is not my account.
37. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account.
38. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.
39. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$110.00} -This is not my account.
40. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$680.00} -This is not my account.
41. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$130.00} -This is not my account.
42. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$140.00} -This is not my account.
43. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account.
44. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120.00} -This is not my account.
45. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account.
46. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account.
47. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$700.00} -This is not my account.
48. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$390.00} -This is not my account.
49. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$250.00} -This is not my account.
50. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$180.00} -This is not my account.
51. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$85.00} -This is not my account.
52. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$260.00} -This is not my account.
53. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$290.00} -This is not my account.
54. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$270.00} -This is not my account.
55. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$210.00} -This is not my account.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
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I'm writing this letter, accompanied with 13 pages of documents and the notes on them, that will show and will prove XXXX XXXX XXXX, having an address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WA XXXX, has violated my consumer rights with total disregard of FCRA laws that were made to protect my rights and protect my good credit and FICO scores. Reporting this collection before I had any knowledge, before given the right of disputing it and before my right to request and receive validation of this collection and most of all the unethical practice of their knowledge from the start that this collection had already been reported and the outright disrespect of being led and decieved by XXXX XXXX along the way are all clear violations of my rights and violation of FCRA laws The following written statements will give you a time frame, the actions I took to dispute, request, and the time and work I've done to prove the invalidity and incorrect information on this collection, as well as damaging my credit and Fico scores leading me to withdrawal an offer on a home being financed with my VA loan because of the huge drop in my scores. Upon receiving information and a phone call from a representative, XXXX XXXX ext XXXX on XX/XX/XXXXXXXX at XXXX XXXX lasting 51 min and 24 seconds from a phone number having the same area code of my residence, I advised her that I will be getting documents together to prove why I'm disputing it, and will be writing a letter requesting validation and proof that this is my debt along with proof that the amount of the collection is correct and im requesting proof in the form of docs/ receipts and statements to prove the amount. I also sent docs sent to me by XXXX XXXX that required me to fill out and check my options in regards of dispute and request. Docs will show that I was given until XX/XX/XXXXXXXX to do so. On XX/XX/XXXX, 5 days after our conversation and being told more than once that this collection is in a " hold status '' and the promise that no info has been sent to the bureaus I sent a certified package to XXXX XXXX. On XX/XX/XXXXXXXX I phoned XXXX XXXX advising her that it was signed for and was in house. She advised me that the next step would be XXXX XXXX XXXX Quality Control Dep't requesting XXXX XXXX to prove the debt by supplying docs to prove against my docs in regards to the amount of the collection which at that time show and validates this collection was now being disputed by me for incorrect info and incorrect amount on the collection and by law requires all collection to cease and by law can't be reported while being disputed. This also requires XXXX XXXX by law to provide me with a proof of debt verification letter and a response and/or decision on my dispute of incorrect info and amount of this collection 30 days after XXXX XXXX receiving the certified letter from me on XX/XX/XXXX. From that conversation on XX/XX/XXXXXXXX I haven't had any contact via phone or mail and as of today XX/XX/XXXXXXXX I'm stil waiting for everything that she said would be provided to me. On XX/XX/XXXXXXXX I checked my XXXX and XXXX XXXX apps and was devastated to see my Fico and Credit scores at the lowest ever. Fico being XXXX points down. I then phoned all 3 credit bureaus and verified the date of XX/XX/XXXX being the date that XXXX XXXX sent the collection and the date of XX/XX/XXXXXXXX it was added to my report and ruined my credit standing. This is a clear violation against my rights and the laws by not receiving proof of the debt and not receiving any response concerning info on the findings and/or decisions regarding my dispute. I phoned XXXX XXXX on XX/XX/XXXXXXXX and with her having no knowledge of the info i found out, I asked her the status on everything,. To my disbelief she stated that 2 days ago on XX/XX/XXXXXXXX Quality Control begun the process of getting all info from XXXX XXXX, 28 days after receiving my certified letter. She then advised me that my debt verification letter was being sent out by XX/XX/XXXX, the XXXX day after my certified letter and after my question of the status of wether it has been reported to the 3 bureaus, she stated it was still " on hold '' so I'm still ok. I then told her what I knew and asked to speak to a manager now. After a few minutes of denial she put me on hold for 23 min and 24 seconds until I gave up and hung up. I called back 4 times asking for XXXX XXXX or a manager only to be hung up on. In closing I want to once again state that I've completed and did everything i could do to remedy this and now have no way other than taking this action and if not corrected i will seek legal action with the help of the office of Kentucky Attorney General and Legal Aid and seek a financial judgement for this collection against my credit. Please take note that in the remark section under XXXX XXXX collection the statement by XXXX XXXX stating " '' '' '' Account information disputed by consumer, meets FCRA requirements '' '' '' '' a clear admission from XXXX XXXX that I've disputed this collection and their knowledge of the fact of my dispute. And trying to protect themselves and their actions by adding meets FCRA requirements which hopefully you realize by my letter and proof of incorrect amounts on collection and as well as how it was reported and seeing that i had no chance from the very beginning and actually having every and all my rights taken away from the start. I'm so angry and stressed about this and knowing what I know mow and the way this was played out by XXXX XXXX in reporting before receiving my dispute and that the date of XX/XX/XXXXXXXX that was sent to me for my right to dispute clearly stating that if they received a call, a written statement that disputes all or part of this debt by XX/XX/XXXXXXXX that they must stop collection on any amount I'm disputing until they send me info showing proof of debt. I sent dispute and evidence in the form of docs and statements and all was received XX/XX/XXXX. They sent to bureaus XX/XX/XXXX. I was given no chance and no opportunity in this unethical reporting. All rights have been violated and this collection was allowed to be put on credit report with knowledge of dispute. Just seems wrong in every way and then finding the statement on my credit report from XXXX XXXX that states " Account information disputed by consumer, meets FCRA requirements. '' This alone proves that this collection is being disputed and must be removed from my credit report or investigated by the credit bureau. This collection contains so many violations of my rights and FCRA requirements that have not been met. I need and deserve to have this collection removed immediately and my FICO and credit score to be adjusted from fair to good immediately. Please look over docs provided and see proof that electric bill isn't mine, therefore making this collection amount incorrect as well as my proof given to me by email on XXXX XXXX portal the landlords pro rated rate up until XXXX XXXX when apartment was rented by new tenant. Its illegal in Kentucky to collect rent after unit has been re rented. Double Dipping is illegal. And the charge for a full month that he's seeking is incorrect and comes after the statement given to me and therefore is my proof of invalid wrong and disputed amount and therefore allows his charge invalid and incorrect and thsts why i know these amounts on all docs I've sent proves the correct amount and proves the validity of my dispute. I'm asking you to please give me my right to dispute and have this collection removed from my credit immediately and begin the good standing I had before all of this and most importantly please see where this has cost me a home, my credit rating and emotional stress. Please remove this collection immediately and please contact me if I can provide additional information. Thank you for your time and hopefully your willingness in the removal of this collection on my credit.
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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Hello, I am writing to dispute the accuracy of information on my credit report. Specifically, I am disputing the information related to XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX This account is showing as open, but it is a collection account. The creditor never sent me any paperwork notifying me that my account had been sold to a collection agency. Furthermore, according to XXXX, the payment status is unpaid, but TransUnion did not report it. XXXX also did not report the last reported date, while TransUnion showed it as XX/XX/2022.
I believe that the creditor and/or debt collector has violated several laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair and Accurate Credit Transactions Act ( FACTA ). Specifically, the following sections may have been violated : FCRA : Section 609 ( a ) ( 1 ) : The debt collector failed to notify me in writing within five days of their initial communication that the debt had been transferred to them.
Section 623 ( a ) ( 2 ) : The creditor or debt collector reported inaccurate information to credit reporting agencies.
FDCPA : Section 809 ( a ) : The debt collector did not send me a written notice within five days of their initial communication, informing me that I have 30 days to dispute the debt.
TILA : Section 102 ( a ) : The creditor failed to provide me with written disclosures before I became obligated on the credit transaction, including the finance charge and annual percentage rate ( APR ).
Section 106 : The creditor failed to disclose certain information when my account was sold or transferred, including the identity of the new creditor.
FACTA : Section 312 ( a ) : The creditor and/or credit reporting agencies failed to establish reasonable procedures to ensure the accuracy of credit reports.
Section 312 ( b ) : The creditor failed to notify credit reporting agencies of any inaccurate or incomplete information and provide corrected information.
XXXX XXXX XXXX XXXX on my credit report. I have noticed several discrepancies between the information being reported by TransUnion and XXXX, and I believe that XXXX XXXX XXXX has violated several provisions of the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Truth in Lending Act ( TILA ).
Firstly, according to TransUnion, the account in question is being reported as a revolving account, while XXXX is reporting it as a credit card. This inconsistency is causing confusion and may be negatively impacting my credit score. Additionally, TransUnion is reporting a monthly payment balance of {$0.00}, while XXXX has not reported anything. Moreover, while TransUnion is reporting a balance of {$0.00}, XXXX has not reported any information regarding the account. Lastly, TransUnion has reported a high credit balance of {$52000.00}, while XXXX has not reported anything.
FurthermoreXXXX XXXX XXXX XXXXXXXX has failed to notify the credit reporting agencies that the account has been closed by the consumer, which is a violation of Section 623 ( a ) ( 5 ) of the FCRA. Additionally, they have violated Section 623 ( a ) ( 2 ) of the FCRA by reporting inaccurate information to the credit reporting agencies.
XXXX XXXX XXXX, account number XXXXFirstly, all three bureaus are indicating that the payment status is charge off, however, I never received any notification from the creditor regarding this charge off account, and they have never provided any paperwork with me. This is a clear violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), which requires a creditor to report accurate information to credit reporting agencies.
Secondly, TransUnion and XXXX are reporting the balance as {$0.00}, but XXXX did not report anything. Also, TransUnion and XXXX are reporting the high credit balance as {$21000.00}, but XXXX did not report anything. This inconsistency violates Section 312 ( a ) of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires creditors and credit reporting agencies to establish reasonable procedures to ensure the accuracy of credit reports.
Lastly, there is an inconsistency in the last reported date between TransUnion and XXXX, where TransUnion and XXXX reported the last reported date as XX/XX/2022 but XXXX showed XX/XX/2022. This inconsistency violates Section 623 ( a ) ( 5 ) of the FCRA, which requires furnishers to notify credit reporting agencies when an account is closed by the consumer.
XXXX XXXX XXXX XXXX has reported to the credit reporting agencies regarding my account with them. I believe thaXXXX XXXX XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).
Firstly, XXXX XXXX XXXX reported inaccurate information regarding the payment status of my account to XXXX. Specifically, XXXX mentioned that the payment status is charge-off, but I never received any notification from XXXX XXXX XXXXXXXX regarding this charge-off account, nor did they provide any paperwork to support this claim. This could be a violation of Section 623 ( a ) ( 2 ) of the FCRA, which requires a furnisher of information to report accurate information to credit reporting agencies.
Secondly, XXXXXXXX XXXX XXXX failed to report the account as closed to XXXX, which could be a violation of Section 623 ( a ) ( 5 ) of the FCRA, which requires furnishers to notify credit reporting agencies when an account is closed by the consumer.
Lastly, XXXX XXXX XXXXXXXX did not provide me with the required written disclosures before I became obligated on the credit transaction, including the finance charge and annual percentage rate ( APR ). This could be a violation of Section 102 ( a ) of the TILA.
XXXX XXXX XXXX XXXX, account number XXXX. As a result of these violations, my credit report has been negatively impacted, causing significant hardship in my life.
According to Section 623 ( a ) ( 2 ) of the FCRA, creditors are required to notify the consumer in writing of the delinquency and charge-off status of an account within 30 days of reporting to a credit bureau XXXX However, I never received any written notification from XXXX XXXX XXXX XXXX regarding the charge-off status of my account. Additionally, Section 623 ( a ) ( 5 ) of the FCRA requires creditors to provide consumers with a copy of any documentation that verifies the debt if requested within 60 days of receiving notice of the debt. Despite my request, XXXX XXXX XXXX XXXX failed to provide me with any documentation regarding the charge-off account.
Moreover, under Section 312 ( a ) ( 1 ) of FACTA, consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information in consumer credit reports. However, the credit reporting agencies are reporting inconsistent information across my credit reports. For instance, TransUnion is showing a monthly payment of {$0.00}, while the other two bureaus do not show any payment status. Similarly, TransUnion and XXXX are showing a high credit balance of {$41000.00}, but XXXX has not reported it.
The above violations have caused significant hardship in my life. The inaccurate information has affected my ability to secure financing for a new home, and I have been declined for several credit applications. This has led to significant stress and frustration as I work hard to improve my financial situation.
Therefore, I request that XXXX XXXX XXXX XXXX removes the unverified accounts from my credit report. I urge the CFPB to enforce the legal requirements outlined in Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 5 ) of the FCRA, and Section 312 ( a ) ( 1 ), Section 312 ( a ) ( 2 ), and Section 312 ( b ) of FACTA to prevent further harm to my credit score and financial well-being.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX accounts are all duplicate accounts with different account numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$440.00}, is in violation of multiple laws set forth by Congress in regard to the two ( 2 ) following account # 1575. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), ( XXXX ) , ( XXXX ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX XXXX , ) , ( XXXX ), ( XXXX ) , making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) ), ( XXXX ), ( XXXX ), shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, TransUnion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX, XXXX ) , XXXX, can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { { {$23000.00} }, XXXX {$11000.00}, XXXX {$11000.00}, in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX , XXXX, XXXX, is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX, XXXX, XXXX, has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX, XXXX, XXXX, terms and conditions they agreed not to share my information with nonaffiliates. XXXX, XXXX, and TransUnion not an affiliate of XXXX XXXX XXXX XXXX, XXXX, XXXX, nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. XXXX XXXX XXXX XXXX, XXXX, XXXX, must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { { {$1.00} } } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
Credit Report Identity Theft Statement : Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. second time putting them on notice. ignorance of the Law is not an excuse.
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| 04/02/2023 |
Yes |
- Debt collection
- Auto debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Beginning XX/XX/XXXX a debt validation letter was sent to Creditor named " XXXX ''. XXXX could not verify the debt.
The original letter reads : " Validation of a Debt Request Pursuant to 15 USC 1692g.
BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or TransUnion ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated.
If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
Sincerely, XXXX XXXX The Following information is required. Please fill out the form below in its entirety.
XXXX. Name and address of Alleged creditor : XXXX. Name on file of alleged debtor : XXXX. Alleged Account # : XXXX. Address on file for alleged debtor : XXXX. Amount of alleged debt : XXXX. Date this alleged became payable : XXXX. Date of original charge off or delinquency : XXXX. Was this debt assigned to a debt collector or purchased? ____ No ____Yes XXXX. Amount Paid if debt was purchased : XXXX. Commission for debt if collection efforts are successful : Please attach copies of the following : Agreement with your client that grants XXXX the authority to collect this alleged debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open.
Have any insurance claims been made by any creditor regarding this account?
o Yes o No Have any Judgements been obtained by any creditor regarding this account?
o Yes o No Please provide me the name and address of the bonding agent for XXXX, in case legal action becomes necessary : Date : ________________ _________________________ Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Please allow 30 calendar days for processing after I receive this information.
Thank You. '' XXXX, I disputed factually the data that was being reported from XXXX. There was no response from the three credit bureaus.
original letter reads : " I am writing to dispute the following information that your company supplied to XXXX I have circled the items I dispute on the attached copy of my credit report.
This item XXXX account number, Date Opened, Last reported, Date last active, and date of last payment is inaccurate because the account number is incorrect as well as the date opened, last reported, date last active and date of last payment are reporting inconsistent information across all three bureaus. This is a violation of the Fair Credit Reporting Act.
I am requesting that XXXX have the item removed immediately.
Enclosed are copies of my credit report with highlighted inaccuracies supporting my request. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the disputed item as soon as possible.
Sincerely, XXXX XXXX Enclosures : Credit Report, ID, and Social Security card '' XX/XX/XXXX I mailed out a 609 dispute letter stating that they investigate the inaccurate, inconsistent, and misleading information being reported.
original letter reads : " According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old.
* Please add a Promotional Suppression to my credit file.
Thank You, XXXX XXXX '' I received a letter from transunion only. Transunion stated that the information was updated and verified. Transunion, XXXX, and XXXX did not provide any documentation as to how the account was verified.
XX/XX/XXXX I sent out a 611 dispute letter to all three bureaus and have gotten no response.
original letter reads : " To whom it may concern, This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 609 ( a ) filed with on XX/XX/XXXX.
To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute.
Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ).
Please reply within 15 days or delete the negative items, as originally requested.
Below are the items that do not belong to me that you continue to report erroneously.
XXXX XXXX XXXX Account can not be verified. Incorrect and inconsistent information being reported across all three bureaus. Delete immediately.
UPDATE PERSONAL INFORMATION Also please update the following information which I saw your credit bureau to be missing or incomplete : XXXX. XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX Full name : XXXX XXXX XXXX XXXX. My date of birth XX/XX/XXXX Sincerly, XXXX XXXX '' My personal information was updated but I received none of the documentation that was requested. This item is causing hardship in my life because it is keeping me from obtaining credit. I am demanding that this item be removed from my credit report immediately.
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| 03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
Therefore the following information needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : I have reviewed my credit profile and I believe following accounts are not reporting accurately. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, 1. I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records.
2. On some of the accounts listed below, I believe that you are incorrectly reporting the credit limit, current balance and the high credit amount. Please check your records and update accordingly. Please do not report incomplete information as this may harm my credit profile.
3. On the accounts listed below, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account.
4. On the accounts listed below, accordingly to my recollection, I was not late to the extent you are reporting. Please double check your records regarding my payment history and update accordingly.
5. The date of last activity should match the last date a payment was made on this account. I have reason to believe the date you are reporting is later than the actual date of my last payment. Please update.
6. In the event you complete your investigation and you verify that the information you are reporting is accurate, I would like to have my account notated to indicate that I dispute the account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The listed item is completely inaccurate and incomplete, and is a very serious error in reporting. Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove- able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ).
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| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Before I actually get into my complaint letter that I will upload to you I have to say a few extra details about my dealings with this company. First of all they repossessed my car AFTER I had already made an arrangement to pay my car note as I had moved and got a new job. I was forced to pay them XXXX dollars upfront to get my car out of the repossession status and my car note is actually {$520.00} a month. In addition to paying the XXXX XXXX XXXXXXXX to locate my car at a local pound as well as actually paying the pound. I missed 2 days of work trying to get my car back because the pound stated that they did not open until after XXXX and then to find out that I had to pay XXXX first to get the car released wait 24 hours and then go back to the pound where my car was with a slip stating I had made said payment. As time went on I made the payments and I did have to make partial payments at time but with all the money I had to pay in that situation alone I always stayed behind. Moving forward to this past evening of XXXX XXXX XXXX I currently live in XXXX, XXXX and they sent someone to my home without any notice to repossess my car yet again. I had to sit in my car and explain my rights to an aggressive man trying to take my car and in the end I had to pay him {$100.00} cash for him to put my car down even after showing him I had just made a XXXX dollar payment while sitting in my car. The man stated that he had to talk directly with the company to get a confirmation number even though I had it available to him on my phone in my hand! He also was blocking the driveway off from my neighbors causing more public embarrassment as people where trying to come home or leave for work! He said he would not move his truck until I got out of my car. Meanwhile I called XXXX XXXX 5 times on speaker phone selecting different options for them all to say that they were closed! How can you send someone to repossess a car and require them to call for payment but no one is available to verify? So if I didn't know my rights I would have made a payment and had my car taken on the same night all for me to go through what I did before when my car should not have been up for repossession anyways. My payments have been on autopay at {$150.00} a week since XXXX and now all of a sudden it is not on autopay. Furthermore I looked at the agreement and they made me pay a XXXX dollar down payment and also pay XXXX for a warranty I knew nothing about in addition to the actual cost of my car being {$19000.00} but the finance charge is {$15000.00} at 22.99 % XXXX!! This is very unfair practices now I will let my letter to XXXX, CFPB and the AG explain how this has affected my life and my family 's life XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX.
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT RE : ACCOUNT # XXXX ( XXXX XXXX XXXX ) RE : ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) Make Of Car : XXXX Model : XXXX XXXX # : XXXX To Whom It May Concern : I recently obtained a copy of my credit report, due to me trying to obtain business capital for my business. I noticed some accounts on my consumer report that should not be there. I demand the below accounts be deleted from my consumer report immediately. The amounts reported are inaccurate and inaccurate to the agreement notice. Also this company has changed payment dates and amounts 3 times over 2 years. In the agreement the warranty that was not signed by me charged me illegally as well as the down payment being illegal and charged a finance charge that is almost equal to the value of the car which WAS at the time of purchase {$19000.00} and the finance charge which also was not disclosed at the time of purchase {$15.00}, XXXX ( 22.99 % APR ). Insurance was not included with this finance charge either I also pay {$360.00} a month for car insurance. They did not disclose to me my rights and I did not sign all of these things that have an electronic signature on them.
ACCOUNT # XXXX ( XXXX XXXX XXXX ) ACCOUNT # XXXX ( XXXX XXXX XXXX XXXX XXXX ) The reporting of these accounts are violations o
f 15 USC 1681a, The Fair Credit Reporting Act. [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.- Except as provided in paragraph ( 3 ), the term consumer report does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So, let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card
is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
I am writing in regard to the above- referenced accounts and transactions. This vehicle was purchased at XXXX XXXX XXXX XXXX XXXX on XXXX XXXX XXXX
I have also been informed from the Federal Trade Commission ( FTC ) more specifically the Gramm-Leach-Bliley Act 15 USC 6802 obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) OPT OUT ( 1 ) IN GENERAL A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option.
XXXX XXXX XXXX XXXX XXXX did not disclose this information to me that is required by federal law. XXXX XXXX XXXX XXXX XXXX. Knowingly and willfully withheld pertinent information regarding the disclosure of my information to affiliated and unafilliated third parties. XXXX XXXX XXXX XXXX XXXX knowingly and willfully withheld information that explained how I the consumer can exercise that nondisclosure option.
You are in violations of several federal laws. You have 10 calendar days from the receipt of this letter to delete this account from all credit reporting agencies that you have furnished this information to along with all my consumer reports that this information is on.
Should you decide to discriminate against me for future business and or product because I exercised my rights under this or any chapter. I will come after you for damages and I will use the contents of this correspondence as proof of such decision.
15 USC 1691 a ( 3 ) ( a ) ACTIVITIES CONSTITUTING DISCRIMINATION It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction- ( 1 ) On the basis of race, color, religion, national origin, sex or marital status., or age ( provided the applicant has the capacity to contract ) ; ( 2 ) Because all or part of the applicants income derives from any public assistance program ; or ( 3 ) Because the applicant has in good faith exercised any right under this chapter.
Best Regards, XXXX XXXX XXXX
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| 01/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - This address is not correct. Delete it immediately from my report.
2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX This address is not correct. Delete it immediately from my report.
3. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
4. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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| 10/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect XXXX XXXX format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified XXXX XXXX compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory XXXX XXXX Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory XXXX XXXX format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices.
Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 07/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, XXXX XXXX statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 08/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ).
Not Proven Compliant Account : XXXX XXXX XXXX XXXX Account # XXXX
|
| 05/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426 -chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. ( 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. ( 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. ( 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. ( 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. ( 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. ( 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. ( 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. ( 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. ( 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. ( 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. ( 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. ( 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( XXXX ) ... ... ... ... ... ... ..
|
| 05/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single onXXXX even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge (
s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable
document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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| 09/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I am the consumer, natural person, made with flesh and blood.
15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY!
Furthermore!!
15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file.
You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ).
Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information.
Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred.
Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction.
States the following ( 2 ) Exclusions.
Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate.
( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit.
( c ) The term Bureau means the Bureau of Consumer Financial Protection.
( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor.
( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit.
( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association.
Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file.
In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ).
I am actually attempting to validate this debt.
I want to know the method of verification used.
Please answer the following questions pertaining to the accounts mentioned above.
XXXX Who is the original creditor?
XXXX. The creditors address and telephone number XXXX. The persons name that they ( credit bureau ) verified the dispute with XXXX. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted.
Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
XXXX- on the account listed above it clearly gives away ample information pertaining to the information directly related to the account. Whom is none of anyone elses concern. The late payments are to be removed immediately if they can not be validated and better yet under the open end consumer credit plan late payments are a violation of federal laws! Remove the inaccurate information at once!
The two late payments that are on all three credit bureaus are listed to be on XX/XX/XXXX. And XX/XX/XXXX. Validate this information or pursuant to federal laws remove it. Or rectify it.
|
| 01/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Accounts added and/or created unbeknownst to me Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions re
|
| 10/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and else wise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 05/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... .....
|
| 10/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 12/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 04/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Transunion and XXXX continue to report inaccurate information. Per the IRS publication any discharged debt is considered income and income can not be reported onto the consumer 's report. I have repeatedly asked that Transunion and XXXX cease and desist reporting this account. Both reporting agencies continue to report the account otherwise.
If you borrow money and are legally obligated to repay a fixed or determinable amount at a future date, you have a debt. You may be personally liable for a debt or may own a property that secures a debt for which you may or may not also be personally liable.
If your debt is forgiven or discharged for less than the full amount owed, the debt is considered canceled for the forgiven or discharged amount that you no longer need to pay. Cancellation of a debt may occur if the creditor can't collect, or gives up on collecting, the amount you're obligated to pay. If you own property securing a debt, cancellation of the debt may occur due to foreclosure, repossession, voluntary transfer of the property to the lender, abandonment of the property, or a mortgage modification.
In general, if your debt is canceled, forgiven, or discharged for less than the amount owed, the amount of the canceled debt is taxable. If taxable, you must report the canceled debt on your tax return for the year in which the cancellation occurred.
However, the law provides several exceptions in which the discharged amount is not considered canceled debt. These exceptions will be discussed later.
After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount canceled and date of cancellation. Contact the creditor if you receive a 1099-C reflecting incorrect information. If a creditor continues to attempt to collect the debt after you receive a 1099-C, the debt may not have been canceled and you may not have income from a canceled debt. Verify your specific situation with the creditor. Your responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.
In general, you must report any taxable amount of a canceled debt as ordinary income on Form 1040, U.S. Individual Income Tax Return, Form 1040-SR, U.S. Tax Return for Seniors or Form 1040-NR, U.S. Nonresident Alien Income Tax Return ( attach Schedule 1 ( Form 1040 ), Additional Income and Adjustments to IncomePDF ) if the debt is a nonbusiness debt, or on an applicable schedule if the debt is a business debt. See Publication 4681.
Caution : If your debt is secured by property, and the creditor takes that property in full or partial satisfaction of your debt, you are treated as having sold that property to the creditor. The tax treatment of the deemed sale depends on whether you were personally liable for the debt ( recourse debt ) or not personally liable for the debt ( nonrecourse debt ).
For recourse debt, your amount realized on the sale is the XXXX XXXX XXXX ( XXXX ) of the property. The difference between XXXX and your adjusted basis ( usually your cost ) will be a gain or loss on the disposition of the property. Your ordinary income from the cancellation of the debt is the amount by which the discharged debt exceeds the XXXX of the property. Include this cancellation of debt in gross income unless an exception or exclusion, discussed below, applies.
For nonrecourse debt, your amount realized is the entire amount of the nonrecourse debt, plus the amount of cash and the XXXX of any non-cash property you received. You will not have ordinary income resulting from debt cancellation.
The examples below show the difference between how recourse and nonrecourse debt is treated.
You bought a boat for business use for {$20000.00}, paying {$2000.00} down and signing a recourse note for {$18000.00}. After paying down {$4000.00} on the note, you are no longer able to make payments. The boat dealer repossesses the boat, which is now worth {$11000.00}, and cancels the remaining balance ( {$3000.00} ). Your adjusted basis in the boat is now {$10000.00} due to allowable depreciation deductions of {$10000.00}. You will have ordinary income from cancellation of debt of {$3000.00} ( {$14000.00} remaining debt owed minus {$11000.00} XXXX of boat ). You will have {$1000.00} of gain on disposition of the boat, the excess of the boat 's XXXX of {$11000.00} ( the amount you realized on repossession ) over your {$10000.00} adjusted basis in the boat.
The facts are the same except that you signed a nonrecourse note when buying the boat. When the dealer repossesses the boat, you will have gain of {$4000.00}, the difference between the {$14000.00} realized ( the face amount of the remaining debt ) and your {$10000.00} adjusted basis in the boat. You have no ordinary income from cancellation of the debt.
See Publication 4681 for detailed information on canceled debt and on reporting a gain or loss from repossession, foreclosure, or abandonment of property. See also Publication 544, Sales and Other Dispositions of Assets and Publication 523, Selling Your Home.
Amounts that meet the requirements for any of the following exceptions aren't cancellation of debt income.
EXCEPTIONS to Cancellation of Debt Income : Amounts canceled as gifts, bequests, devises, or inheritances Certain qualified student loans containing loan provisions for cancellation based on length of employment in certain professions for a broad class of employers Certain student loan discharges after XX/XX/XXXX, and before XX/XX/XXXX Amounts received or forgiven under certain student loan repayment assistance programs Amounts of canceled debt that would be deductible if you, as a cash basis taxpayer, had paid it A qualified purchase price reduction given by the seller of property to the buyer Amounts that meet the requirements for any of the following exclusions aren't included in income, even though they're cancellation of debt income.
EXCLUSIONS from Gross Income : Debt canceled in a Title 11 bankruptcy case Debt canceled to the extent insolvent Cancellation of qualified farm indebtedness Cancellation of qualified real property business indebtedness Cancellation of qualified principal residence indebtedness that is discharged before XX/XX/XXXX, or discharged subject to an arrangement that is entered into and evidenced in writing before XX/XX/XXXX Generally, if you exclude canceled debt from income under one of the exclusions listed above, you must reduce certain tax attributes ( certain credits and carryovers, losses and carryovers, basis of assets, etc. ) ( but not below zero ) by the amount excluded. You must report the amount qualifying for exclusion, and any corresponding reduction of those tax attributes on Form 982, Reduction of Tax Attributes Due to Discharge of Indebtedness ( and Section 1082 Basis Adjustment ) and attach to your tax return. For cancellation of qualified principal residence indebtedness that's excluded from income, you must only reduce your basis in your principal residence. For cancellation of qualified real property business indebtedness, you must only reduce your basis in your depreciable real property.
Additional Information Refer to Publication 4681 for more detailed information regarding taxability of canceled debt, how to report it, and related exceptions and exclusions. Publication 525, Taxable and Nontaxable Income contains additional information. If you received a Form 1099-A, Acquisition or Abandonment of Secured Property, review Topic No. 432 for more information. Refer to How Do I Report the Debt Forgiven on My Residence Due to Foreclosure, Repossession, Abandonment, or Because of a Loan Modification or Short Sale? to determine if any canceled debt on your principal residence is required to be included as income on your federal tax return.
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXXXXXX Account Number : XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from credit report.
XXXX. Identity Theft Account Number : Please remove from credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
|
| 10/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426- chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and otherwise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 03/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 09/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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This notice is my, required by law, demand to cease and desist collection activities prior to validation of purported debt and you must validate the enclosed claim of an alleged debt. You must provide verification that an actual debt really exists by producing the following :. ( 1 ) The name and address of the organization or other governmental unit alleging a debt ;. ( 2 ) The name and address of the person or persons in that organization or other governmental unit alleging a claim of a debt ;. ( 3 ) The name of the actual creditor even if that is myself ;. ( 4 ) The origin of the funds used to create this alleged claim of a debt. ( 5 ) The actual records of the organization or other government unit showing the time and place of the deposit and distribution of the funds used to create this alleged claim of debt.
. ( 6 ) The actual records of the organization or other governmental unit showing that an actual loan was made from the organization or other governmental units own funds that resulted in the enclosed alleged claim of a debt.
. ( 7 ) The actual records of the organization or other governmental unit with a live signature on any and all document/instrument ( s ) used to allege the existence of a real loan of funds or debt from the organization or other governmental unit to myself or anyone else by a similar name.
. ( 8 ) Be advised that verification is defined ( Blacks Law Dictionary, 6th Edition ) as follows : Confirmation of correctness, truth, or authenticity, by affidavit, oath or deposition. Affidavit of truth of matter stated and object of verification is to assure good faith in averments or statements of party.
. ( 9 ) The actual records of the organization or other governmental unit showing that an honest disclosure of facts relating to the alleged loan was made by the organization or other governmental unit in compliance with the truth in lending laws of the United States Code, Title 15 1601 et. seq. and Regulation Z.
. ( 10 ) The actual records of the organization or other governmental unit showing that any and all document/instrument ( s ) containing my signature or the likeness of my signature were not negotiated or pledged by the organization or other governmental unit against my credit to create the funds used for the appearance of a debt and resulting in this alleged claim of debt.
2 ( 11 ) The person that prepares and swears to the validation of debt must describe : 1 ) your job description on a daily basis ; 2 ) if you are the regular keeper of those books and records and are familiar with how they are kept and their contents ; 3 ) how long have you been in your position ; 4 ) when did you first come in contact with the alleged account/debt ; 5 ) how frequently do you work with the files and information they are presenting to verify/validate the alleged debt ; 6 ) are you the person/employee who regularly works with the alleged account/debt ; and 7 ) do you have personal knowledge about the alleged debt and/or any alleged account.
15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt, includes the false representation of the character or legal status of any debt and further makes a threat to take any action that can not legally be taken a deceptive practice.
Pursuant to 15 U.S.C. 1692 ( g ) ( 4 ) Validation of Debts, if you have evidence to validate your claim that the attached presentment does not constitute fraudulent misrepresentation and that one owes this alleged debt, this is a demand that, within 30 days, you provide such verification/validation and supporting evidence signed and certified under penalty of perjury to substantiate your claim. Until the requirements of the Fair Debt Collection Practices Act have been complied with and your claim is verified/validated, you have no consent to continue any collection activities.
This is a constructive notice that, absent the validation of your claim within 30 days, you must cease and desist any and all collection activity and are prohibited from contacting me through the mail, by telephone, in person, at my home, or at my work. You are further prohibited from contacting any other third party. Each and every attempted contact, in violation of this act, will constitute harassment and defamation of character and will subject your agency and/or attorney and any and all agents in his/her individual capacities, who take part in such harassment, and defamation, to a liability for actual damages, as well as statutory damages of up to {$1000.00} for each and every violation, and a further liability for legal fees to be paid to any counsel which I may retain. Further, absent such validation of your claim, you are prohibited from filing any notice of lien and/or levy or judgment and are also barred from reporting any derogatory credit information to any credit reporting agency, regarding this disputed purported debt.
Further, pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692 ( g ) ( 8 ), as you are merely an agency or other governmental unit of the United States, acting on someone elses behalf, this is a demand that you provide the name of the original principal, or holder in due course, for whom you are attempting to collect this alleged debt.
Please take notice that this is a criminal investigation of the business practices of the above- named organization or other governmental unit, its agents, officers, employees and attorney to determine violations of the United States criminal laws. Your enclosed 3 claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18 2071 and 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C. Title 18 471, 472, 473 and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 1961 et. seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. 1842 Fictitious Names.
TAKE NOTICE Debt Collectors failure in providing Respondent with the requisite verification, validating the above referenced alleged debt within the requirements of law as codified in the Fair Debt Collection Practices Act, Fair Credit Reporting Act and the corresponding laws of each state, signifies that Debt Collector tacitly agrees that : a. Debt Collector has no lawful, bona fide, verified claim, re the above-referenced alleged account : b. Debt Collector waives any and all claims against Respondent and c. Debt Collector tacitly agrees that Debt Collector will compensate Respondent for all costs, fees and expenses incurred in defending against this and any and all continued collection attempts, re the above-referenced alleged account.
d. Failure of Debt Collector to properly and legally verify/validate alleged debt as required in this notice is a self-executing irrevocable power of attorney authorizing Respondent/Alleged Debtor named herein to direct the permanent removal, on behalf of the alleged Creditor, of any and all references to said account in any and all credit reporting agency files of any type.
This response will constitute my effort to resolve this on-going debt claim between the parties involved. Until full disclosure is achieved, there can be no case, collection or action. No civil or criminal cause of action can arise lest, out of fraud, there be a valid, honest contract. See Eads v. Marks 249 P. 2d 257, 260.
|
| 03/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and else wise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 10/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correct. You are in violation Of 15 U.S. Code 1681i ( 5 ) ( A ) ( i ) ( ii ) Removal of Inaccurate/Invalidated Credit Information . Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and they never sent me and evidence supporting my dispute to resolve any issues. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my original wet signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if I fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. The Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 1. Agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt.
2. Original wet ink Signed agreement Debtor has made with Debt Collector, or another verifiable proof Debtor has a contractual obligation to pay a Debt collector.
3. Any agreement that bears the original wet ink signature of XXXX, wherein agreed to pay XXXX.
4. All statements while this account was open.
5. Have any insurance claims been made by any creditor regarding this account?
O Yes O No 6. Have any Judgements been obtained by any creditor regarding this account?
O Yes O No 7. Please provide me the name and address of the bonding agent for XXXX XXXX, XXXX XXXX XXXX, in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts : 1. XXXX XXXX XXXX Account Number : XXXX & XXXX This Account is Inaccurate & I'm seeking litigation please delete it immediately.
2. XXXX XXXX Account Number : XXXX This Account is Inaccurate & I'm seeking litigation please delete it immediately.
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely, XXXX XXXX
|
| 10/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
|
| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have filed multiple disputes about my credit report with the 3 CRAs over the last 90 days, and several in the beginning of 2022. Yet, none of the inaccurate & erroneous information has been removed from my report. Furthermore, I believe the CRAs did not conduct a proper investigation under the US Code definition.
The CRAs have violated and continue to violate several consumer protection & privacy laws governed by the FCRA, FDCPA, & and Truth in Lending Act. This inaccurate reporting continues to negatively affect my family and I. As I am trying to purchase a home to grow my family, this inaccurate information has paralyzed my ability to acquire funding, and grow my business. In addition, I have had this inaccurate & adverse information negatively affect me with employer credit checks. And sadly, it has had a detrimental affect on my mental health.
The accounts listed below have several inaccuracies and have been improperly and fraudulently investigated by the CRAs. The CRAs have violated my rights under 15 USC 1681. I have attached the most recent credit reports and dispute investigations from XXXX, XXXX, and Transunion, and I have highlighted the inaccuracies in the furnished information to the best of ability.
Furthermore, the accounts listed below are currently violating my privacy rights, the right to a proper investigation ( by US code definition ), and violating my rights under the following US codes ; 15 US.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the Information is inaccurate.
15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
623 - 15 U.S.C. 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. ( 2 ) Duty to correct and update information. A person who ( A ) regularly and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer ; and ( B ) has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determi- nation and provide to the agency any corrections to that infor- mation, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.
There are inaccuracies with the account status, payment dates, alleged late payment dates, CARES act violations, and erroneous and adverse information has been added instead of removed on all 3 CRAs. Below are the accounts and violations detailed per account.
I am requesting the CRAs to remove the inaccurate information immediately. As it is UNVERIFIABLE AND DISPLAYS SEVERAL INACCURACIES BWTN THE BUREAUS.
I DID NOT GIVE THE DATE FURNISHERS NOR THE CRA 's permission to report any of this info. Please remove immediately XXXX XXXX - XXXX BANK XXXX. Account number XXXX Discrepancies on late payment dates XXXX XXXX IT WAS 30 DAYS LATE ON XX/XX/XXXX XXXX XXXX IT WAS 30 DAYS LATE ON XX/XX/XXXX TRANSUNION XXXX IT WAS 30 DAYS LATE ON XX/XX/XXXX XXXX Bank Account Number XXXX Discrepancies on late payment dates Truist bank has added erroneous and inaccurate information to my credit file, which is illegal.
Transunion displays 2 late payment inaccuracies, which were wrongly added after the most recent investigation. It displays XX/XX/XXXX 30 days late payment and XX/XX/XXXX 60 days late payment.
Experian displays 1 late payment on XX/XX/XXXX XXXX displays 2 inaccurate late payments on XX/XX/XXXX and XX/XX/XXXX, both show 60 days late.
XXXX Bank Account number XXXX XXXX Displays severaXXXX late payment inaccuracies, XXXX is displaying 5 late payments, as well as payment history inaccuracies which state {$0.00} throughout the entire card history.
XXXX Displays several inaccuracies that dont match any of the other credit reports, the report states I was late on XX/XX/XXXX by 30 days, which is wrong. As well as several more inaccuracies that can be seen by properly reviewing the credit report. It STATES I HAVE 6 LATE PAYENTS WHICH IS WRONG.
Transunion Also displays several inaccuracies compared to the other credit reports and previous reports furnished by CRA.
XXXX XXXX BANK Account Number XXXX XXXX has one unknown account stated as an authorized user. And several last payment date inaccuracies, delinquency reported date, XX/XX/XXXX. Also shows 30 days late for 3 months XXXX.
XXXX also displays several inaccuracies related to late payments, date of last payment, and frivolous account.
Transunion displays XXXX late payments that are inaccurate.
All 3 CRA accounts have inaccuracies for late payments and inaccurate charge off dates.
XXXX BANK XXXX Account Number XXXX There are several inaccuracies on this account. The payment status shows Pays as agreed and account status as Closed. Which is incorrect.
XXXX displays 5 late payments and show 3 late payments from XXXX that show 30 days late consecutively.
XXXX Also displays 5 late payments with 3 incorrectly displaying 30 days late consecutively from XXXX.
TRANSUNION Displays 4 late payments and has incorrectly has 30 days late consecutively from XXXX XXXX Account XXXX XXXX This account is violating my privacy rights as I did not give XXXX XXXX permission XXXX furnish my information. Furthermore, there are account inaccuracies that appear on the 3 CRAs.
XXXX BANK DELAWARE Account Number XXXX This account has several inaccuracies and is violating my privacy rights.
XXXX Displays inaccuracies of 60 days late consecutively from XXXX.
XXXX Displays inaccuracies of 60 days late from XXXX, after displaying 90 days on XX/XX/XXXX. Also displays 90 days late on XX/XX/XXXX. All inaccurate.
Transunion Displays inaccuracies with back to back 60 days late on XXXX and 120 days late from XXXX.
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| 11/13/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALLY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426- chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and else wise standard or mandatory for proper reporting, mentioned or not. Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not. 1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me. 3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed. 4 ) I have no knowledge of ever entering into an open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit. 5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL. 6 ) As it stands, until PROVEN OTHERWISE, the complaining to-be Plaintiff ( s ) does so unjustly, unethically, and likely illegally so in absolute deficiency of requisite legal standing in full accordance of applicable laws ( mentioned or not ), both to collection practices and as well with reporting practices, particularly in the inability or unwillingness to timely and fully certify physically verifiable document proof in full validity of debt claim or compliance of reporting, even to the mandatory Metro 2 format. As such, here again I declare my right and preference to stand against all claims of the to-be Plaintiff ( s ) and call on your authority and INTEGRITY to ensure truth of claim, correctness of claim, completeness of claim, ownership and responsibility of any debt ( s ) or delinquencies of debt alleged in above noted claim ( s ), perfect and prove-able compliance of collection actions related to claim ( s ), and compliance of reporting actions related to claim ( s ) ... ... ... ... ... ... ..
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| 12/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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Today is XXXX XXXX My First and My Last name is XXXX XXXX XXXX My street number , street name, current resident city, and current resident state is : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiry ( ies ) by Original Creditors on my Credit Reports Dear XXXX XXXX In the course of recently screening my personal XXXX, XXXX and TransUnion credit reports, I observed what obviously appears to be likely some unauthorized credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquirydeficientof true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX, XXXX XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquirydeficientof true Permissible Purpose that REQUIRES immediate and permanent deletion XXXX XXXX XXXX, XXXX XXXX I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or elseannulvia full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non compliance to reporting obligations so to retain or return to appropriate status of certified metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity.If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further I am also requesting that they remove any and all of my personal information from their recordsin case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowablesuablemonetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My First and My Last name is XXXX XXXX XXXX My street number , street name, current resident city, and current resident state is : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today.
In genuine sincerity, My First and My Last name is XXXX XXXX XXXX
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| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name id XXXX XXXX, a natural person. I have filed this complaint on my belief, based on research. In accordance with the Fair Credit Reporting Act. XXXX accounts # listed below have violated my rights. The parties involved in this violations are as follows : TRANSUNION, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX.
The violations are as follows : 1. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith from XXXX, 2021 to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : TRANSUNION, XXXX, XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX.
2. ( FACT ) 15 USC 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( FACT ) 15 USC 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
3. ( FACT ) 15 USC 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
4. ( FACT ) 15 USC 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
5. ( FACT ) 15 USC 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
6. ( FACT ) 15 USC 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
7. ( FACT ) 15 USC 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and Affidavit Page 3 of 5 drives my XXXX XXXX up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received.
8. ( FACT ) 15 USC 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of an court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt.
9. ( FACT ) 15 USC 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law.
The entities have oppressed my financially and harmed my quality of life. I feel worried and XXXX when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and XXXX created by the continuous certified mailing to all parties involved. The cost of these mailings has an large financial commitment attached to them.
10. ( FACT ) 15 USC 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
Affidavit Page 4 of 5 11. ( FACT ) 15 USC 1681 SECTION 602A and 1681 SECTION 604A Right to privacy and furnishing account details, without written instructions.
12. ( FACT ) 15 USC 1692b ( 2 ) Violation of Acquisition of Location. I am not a resident of the state, the debt collector, is established/located.
13. ( FACT ) 15 USC 1681 ( a ) ( 4 ) Accuracy and fairness of credit report ( VIOLATED ) 14. ( FACT ) 15 USC 1692g Validation of debt notice within 5 days. ( VIOLATED ) 15. ( FACT ) 15 USC 1692f Unfair/unconscionable practices.
16. ( FACT ) 15 USC 1692e False and Misleading representation. ( VIOLATION ) 17. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation.
1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit
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| 03/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, our credit files ( husband and self ) were dumped with years of old files from before our bankruptcy, dropping our credit scores by XXXX points, from great-excellent to poor. This is the only thing that happened in XX/XX/2022 : I applied for a XXXX card. They said they couldn't verify me. I sent docs at their request, and I admit, I included a note with the tone of " sigh, is this really necessary, when you have my credit report, and you were talking to me several times on my home phone -- just because you couldn't send me a text, and you said that's the only way you can " verify '' people? So yes, I expressed my displeasure, and this is important. This was XXXX.
Well, they held it in pending for the second time. Both times, I was not approved because I didn't have a cell phone, and they claimed they couldn't verify me. The second time, after being passed around to different reps, the rep said, " It wouldnt make any difference ; we don't have a cell phone number for you on these records anyway '' so she was obvsiouly looking through my credit report at the time.
Several calls later, a rep told me to send ID and proof of residency to them. I sent ID and a mortgage statement from recent VA refi and property tax statement. They hung me up as pending for several days again and then turned me down again. When I finally got a kknowledgeable rep this time, he said the docs were invalid. I said they were not. He said they were and that the ID was too small. I said I sent a mortgage statement and property tax and that the ID was regular size and could easily be blown up in size, when he repeated the docs were invalid. I asked for a supervisor.
This was around XXXX ; the date is important. I was placed on hold and then passed to a " supervisor '' -- they were still talking -- the new person and the old and laughing together as she picked up the phone, kind of giggling, saying she was a supervisor, and I explained the problem.
She repeated that the ID was too small and docs invalid. I repeated my informatoin, and she then asked what I had sent. So all this time tellling me what I sent was " invalid, '' she hadn't known. I explained, and she said " That's not a mortgage statement. '' Now this was getting very tiresome. I had to repeat that it was, that it was from a VA loan, recent refi. By this time, I was feeling discriminated against I am XXXX. I do not use a cell phone. Asking me to send documents and then not accepting them and turning me down because I don't own a cell phone sounds like discrimination, but what makes it worse is that they would not accept a VA loan doc. I said I would send them again, but asked if she could understand my fruistration and that my docs were not invalid, perhaps just not what they accepted ( though I have no idea why not. I said I would send them again, still it would be nice if she could at least understand why this was frustrating for me. '' Her voice cold, as it had been all through the call, she rushed through these words " If-that-is-all-you-have-thank-you-for-calling-XXXXand-good-night '' and hung up the phone!
Here 's why this is important. That's the only deal either of us had with a credit agency that month, since our sterling credit record the first of XXXX. And they were snotty to me, asking me to send and not accepting what I sent -- AND they had my credit history right in front of them, so they knew my credit score and how to annoy me if they wanted to, Please don't think me paranoid ; this is the world we live in now. the doument dump into our file occured just after this on XX/XX/2022. Suddenly our score, STARTING WITH MINE, WENT DOWN XXXX POINTS at one agency, then my huband 's went down, then it was at all three agencies. We went from Great-excellent scores, getting any cards we wanted to " poor '' getting turned down for everythiing after that.
As proof, with our records identical, my husband was approved for a XXXX card from XXXX XXXX before this happened. After the dump, I was denied -- - not even approved with a lower limit -- and we were both denied for any cards after that. We know because our 0 % cards were expiring and we were seeking to replace them, so this happened at the exact worst time. And I think somebody with access to credit records, who felt annoyed by someone " not even smart enough to have a cell phone '' as they probably saw it -- and somebody who thought it was a joke to pretend to be a supervisor on a problem call -- dumped this info in our files.
Here 's what it consisted of. Records under my maiden name, which I haven't used in 25 years. Addresses and phone numbers from that long ago, from before everything was wiped out in our bankfuptcy, Various spellings of our names. It appears that in XX/XX/2022, we had excellent credit, but in ONE WEEK, We wen t out and opened a bunch of new accts, had late payments, opened and closed accts, ran up our balances, didn't pay off some accts at all, and dismissed others in bankruptcy.
Example. When I read our credit report in XXXX it said " Your earliest credit report is NOT recent -- - it was long enough ago that this is no problem! Good going!
Same question the end of XXXX read : " Your earliest account was opened too recently. You need to hold on to some of your accounts for awhile. Tnen your credit record will go up. '' I tried to complain at Transunion, the first agency reporting it wrong. The guy could barely speak XXXX, but got huffy with ME, asking for the NAME of the " early credit company '' if I wanted to file a dispute about it. I'm trying to explain " How could I know that? This is, in the first place, a baseless charge, and in the second, I don't know what account they were even referring to? So he said he couldn't help me.
So here we sit, with our credit that we worked for approx 12 years without one late payment -- RUINED. " poor '' is what it says at every agency for both of us. There's no way we can file ordinary disputes. What's going on with our accounts is too complex ; it doesn't fall into the category of " This one acct is reported incorrectly ; tell us, and we'll fix it if we decide it's wrong, '' and that's the only thing the credit union rep was able to hhelp anyone with.
I first filed this against transunion and XXXX XXXX, who turned me down and who were holding my husband 's acct in their " fraud dept '' because of all this craziness -- we just finally got it out of " fraud '' so we could transfer a balance to it last night. We've been working on this for months now ... not meaning to claim/blame emotion, but seriously, my XXXX levels are so high that I've had to see a doctor and get XXXX, and I'm still ( as you may be able to tell from this ) furious and sad, feeling like crying and yelling at somebody, unable to concentrate on anything and frankly, unable to think of anything but how it looks like some kids at a banking institution decided it would be fun to mess with us, so they did,., Nope, no proof, but how else can we explain scores dropping XXXX points in a month -- ( the transunion guy read off his script " Please remember that credit scores are XXXX and subject to change, '' and I just wanted to laugh. This is from excellent to poor, from the second quintile from the top to the second quintile from the bottom in one month. If people weren't all so algorithm-reliant and poorly-educated these days, they'd see immedialtey that this just doesn't happen. And to have our score reflect how we were doing 12 years ago, not how we were doing the first of XXXX? Just not fair!
Please help us! ( BTW, this has crashed twice ; first time I've gotten all the way through this. What a relief. ) Yes, I DO want this printed so others can see what people or just fate ( since I have no proof of people, just awfully suspicious dates and circumstances. ) can have in store for you
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| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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DELETE IMMEDIATELY XXXX XXXX XXXX XXXX XXXX XXXX Per the FCRA as a federally protected consumer. I am now opting- out of any all authorization. Any and all verbal, nonverbal, written and unwritten authorization I the consumer XXXX XXXX may have given to provide my personal information to TRANSUNION, XXXX, XXXX. Per 15 USC 6802-6805. EFFECTIVE IMMEDIATELY AND INDEFINITELY. I can OPT-OUT of any account being reported on my credit file or credit report.
On XXXX XXXX XXXX XXXX XXXX XXXX XXXX responded saying that XXXX XXXX sold my account to them while XXXX XXXX was still being reported on my credit report. My debt was illegally sold to a third party debt collector that I XXXX XXXX never agreed to. When XXXX received my letter I clearly stated that I am revoking and any and all authorization to use my nonpersonal/personal data and report any information on MY CREDIT FILE OR REPORT. I NEVER GAVE XXXX XXXX XXXX XXXX XXXX ANY CONSENT. XXXX DOESNT NOT UNDERSTAND THE LAW.
XXXX has told the CFPB THAT THEY DONT HAVE THIS ACCOUNT REPORTING. YET HAS SHOWED UP AS A COLLECTION ON MY CREDIT REPORT ON XX/XX/XXXX. I have disputed it and XXXX AND XXXX XXXX has violated my privacy rights ( THE PPRIVACY RIGHTS ACT OF 1974 ) and sold my account to them a year ago. This account is to be deleted on all of the credit reporting agencies TRANSUNION, XXXX, XXXX NOW. I SENT XXXX XXXX XXXX, XXXX A CEASIT AND DESIST LETTER ALREADY ON XX/XX/XXXX.
I HAVE SENT XXXX MY OPT- OUT LETTER AND INVESTIGATION LETTER OF HOW AND WHEN THEY PURCHASED MY ACCOUNT FROM XXXX XXXX. per The PRIVACY ACT OF 1974 THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS UNDER THIS ACT WHICH IS A FEDERAL LAW MY PRIVACY IS PROTECTED AND GOVERNS THE COLLECTION OF MY PERSONAL INFORMATION BEING SOLD TO ANY CORPORATION/COMPANY AND MY PERSONAL INFORMATION SUCH AS MY NAME, ADDRESS, SOCIAL SECURITY NUMBER, PHONE NUMBER, ACCOUNT NUMBERS, BEING SHARED WITH. 5 U.S. Code 552a - Records maintained on individuals states that my social security number is only suppose to be shared with government agencies. Unless I XXXX XXXX chooses to release my social security number to XXXX XXXX XXXX. XXXX which I did not.
The privacy rights act of 1974 and 5 usc 552a also states that I XXXX XXXX MUST give permission to any company to disclose my non personal or personal information to them. An individuals name and address may not be sold or rented by an agency unless such action is specifically authorized by law. This provision shall not be construed to require the withholding of names and addresses otherwise permitted to be made public. Both laws protect the nature disclosures. XXXX XXXX XXXX XXXX is not a government agency. They have no PERMISSION OF MINES TO BUY, PURCHASE, OR SELL MY INFORMATION FROM XXXX XXXX XXXX XXXX CFR 29.518 - Reporting delinquent debts to credit bureaus. Privacy Act considerations. A delinquent debt may not be reported under this section unless a notice issued pursuant to the Privacy Act, 5 U.S.C. 552a ( e ) ( 4 ), authorizes the disclosure of information about the debtor to a credit bureau or XXXX XXXX XXXX XXXX XXXX is saying that they hold the rights to my non personal and personal information and can disclose this information if they wanted to per their last letter which was XXXX response to me here on the CFPB WHEN I QUESTIONED WHY IS THIS ACCOUNT BEING REPORTED DUE TO IT BEING SOLD WITHOUT MY KNOWLEDGE OR CONSENT. That sounds like they are stealing my social security number, name, address, account information and doing what they would like with it. Because of an alleged owed debt and they are NOT the ORGINAL creditor of this debt.
XXXX nor XXXX XXXX bank never sent me any NOTICE in the mail stating how the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the consumer is given an explanation of how the consumer can exercise that nondisclosure option. such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party.
My nonpersonal and personal information is suppose to be safeguarded to insure the security and confidentiality of customer records and information to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer. Per the LAW 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
This account is not with XXXX XXXX XXXX anymore they have sold the account to a collection agency XXXX XXXX XXXX XXXX XXXX Account # XXXX ) WITHOUT MY KNOWLEDGE OR PERMISSION. This account is being reported incorrectly across all credit reporting agencies XXXX, Trans Union, XXXX with dates and balances as well as the consistent monthly reporting of the account. These inconsistencies and false and misleading reporting of my account does a great disservice to me as a consumer, XXXX is at fault for the discrepancies that is being reported with this account on my credit profile. DELETE IMMEDIATLEY DUE TO 15 U.S. Code 1692e - False or misleading representations- 2 ) The false representation of ( A ) the character, amount, or legal status of any debt. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. FROM MY CFPB DISPUTE IN XX/XX/XXXX.
DELETE IMMEDIATELY - XXXX XXXX XXXX XXXX XXXX XXXX THESE OPT-OUT LAWS THAT I HAVE AS A FEDERALLY PROTECTED CONSUMER THAT XXXXXXXX XXXX XXXX HAS ILLEGALLY WENT OUT A BOUGHT MY INFORMATION TO FURNISH AND THIS ALLEGED DEBT. WITHOUT ALLOWING ME AS THE CONSUMER TO OPPORTUNITY TO OPT-OUT AND EXCERISE MY RIGHTS OVER MY OWN INFORMATION.
12 CFR 1022.24 - Reasonable opportunity to opt out.- ( 5 ) By including in a privacy notice. The opt-out notice is included in a Gramm-Leach-Bliley Act privacy notice. The consumer is allowed to exercise the opt-out within a reasonable period of time and in the same manner as the opt-out under that privacy notice.
12 CFR 1016.7 - Form of opt out notice to consumers ; opt out methods.- ( 1 ) Form of opt out notice you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure 17 CFR 162.6 - Reasonable opportunity to opt out.- A covered affiliate must not use eligibility information about a consumer that the covered affiliate receives from an affiliate to make a solicitation to such consumer about the covered affiliate 's financial products 15 U.S. Code 1681n - Civil liability for willful noncompliance ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00} {$1000.00} dollars for every month my account was charged off for false and misleading reporting Respectfully 15 U.S. Code 1681c2 - Block of information resulting from identity theft BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam, I am writing to file a formal complaint against several creditors whose actions have egregiously violated the provisions of the Fair Credit Reporting Act ( FCRA ), specifically Sections 1681e ( b ), 1681i, and 1681g. I kindly request the Consumer Financial Protection Bureau ( CFPB ) to take swift and effective action to address these violations and enforce the pertinent legal requirements.
The impact of these violations on my life has been profound, causing immense emotional distress and hindering my ability to pursue financial goals. To provide context, I would like to share a deeply personal experience that underscores the severity of these violations.
I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court.
The following creditors and account numbers have been identified for violations of the Fair Credit Reporting Act : XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( XXXX ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXXXXXX XXXX XXXX XXXX Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXXXXXX XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized Credit Pull - FCRA Section 1681g XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX | XX/XX/XXXX : Account number : N/A Violation : Unauthorized Credit Pull - FCRA Section 1681g XXXX : Account XXXX XXXX XXXX Violation : Unrecognized Account - FCRA Section 1681i XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXXXXXX XXXX XXXXXXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX : Account number : XXXX Violation : Inaccurate Reporting ( Late Payment ) - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address Violation : Incorrect Personal Information - FCRA Section 1681e ( b ) The impact of these violations on my life has been profound, causing immense emotional distress and hindering my ability to pursue financial goals. To provide context, I would like to share a deeply personal experience that underscores the severity of these violations.
[ Share a detailed and emotional personal story about how the inaccurate information on your credit report has affected your life. Describe the financial challenges, emotional turmoil, and opportunities that have been lost due to the violations. Highlight how these inaccuracies have impacted your ability to secure loans, employment, housing, or other important life aspects. ] These actions have not only damaged my creditworthiness but have also shattered my confidence and sense of security. It is difficult to express the emotional toll this has taken on my mental well-being. I implore the CFPB to consider the human aspect of these violations, beyond the mere legal framework.
In light of the violations detailed above, I respectfully request the following actions to be taken : Conduct a thorough investigation into the inaccurate information reported by the creditors listed in my complaint.
Enforce the relevant sections of the Fair Credit Reporting Act ( FCRA ) and any other applicable laws to hold the creditors accountable for their actions.
Require the removal of all unverified and inaccurate accounts from my credit report. These inaccuracies have led to unwarranted denials and adverse decisions impacting my financial health.
I firmly believe that by addressing these violations and ensuring fair and accurate credit reporting, the Consumer Financial Protection Bureau can make a significant positive impact on my life and the lives of countless others who are facing similar challenges.
Thank you for your time, attention, and dedication to upholding consumer rights. I am hopeful that the CFPB will play a vital role in rectifying these violations and promoting fair credit practices.
Sincerely, XXXX XXXX XXXX
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| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX, TransUnion and XXXX all have sent out notices in the mail addressed to the Corporation/Person of XXXX XXXX XXXX which constitutes identity theft to 15 U.S.C. 1681a ( 3 ) ( 4abc ) -definitions ; rules of construction ( 3 ) Identity theft-means a fraud committed using the identifying information of another person which is the corporation that the Natural Living Man is the beneficiary over and is not liable for any of its debts which are obligations of the United States Corporation pursuant to 18 U.S.C. 8- The United States is in debt to the beneficiaries and has not paid back all the credits loaned out by the beneficiaries who are the original creditors.15 U.S.C> 1681m ( 4 ) ( a ) ( b ) ( c ), ( 4 ) Identity theft report-the term identity theft report has the meaning given that term by rule of the bureau, and means, at a minimum, a report ( a ) that alleges an identity theft ; ( b ) that is a copy of an official, valid report filed by a consumer with an appropriate federal, state, or local law enforcement agency, including the United States Postal Inspection Service , or such other government agency deemed appropriate by the bureau ; and ( c ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. If Natural Living Men and Women stop giving credit everything shuts down completely and the Consumer Reporting Agencies already had database information established on babies before birthed because those babies are in fact the assets so this debunks the fictitious misleading information that Lawful Men and/or Women owes any debts. The Natural Living Man isnt the corporate name/strawman that he is the beneficiary and that name is backed by corporate paper which was registered, incorporated and traded on. The consumer reporting agencies openly admitted to identity theft because the letters have items listed on consumer report which violates permissible purpose of consumer report pursuant to 15 U.S.C. 1681b, failure to investigate pursuant to 15 U.S.C. 1681d-disclosure of investigative consumer reports, unauthorized use of the social security card pursuant to 15 usc 1602p , fraudulent use of credit cards pursuant ; penalties to 15 U.S.C. 1644a, violation of the privacy act of 1974 pursuant to 5 usc 552a-disclosure of social security number, violation of 42 U.S.C 408-penalties for altering and selling the social security card name and account number, violation of 15 U.S.C. 1681i-procedures in case of disputed item, failure of disclosure to consumers regarding the social security pursuant to 15 U.S.C 1681g and 31 C.F.R. 1.32-full disclosure of the social security number when in fact the consumer reporting agencies are financial institutions that get paid from the unauthorized use of the social security number. The only way for items to be reported on consumer reports only stems from identity theft and fraud because the alleged third party debt collector alters and sell the social security numbers to consumer reporting agencies without permission or written consent by consumers to do so and according to truth in lending consumer reporting agencies are financial institutions. If debt collectors buy and sell debts that means that such debts are paid for in full and constitutes debt collectors buy and sell their own debts which is Ludacris. These consumer reporting agencies are willfully and knowing uttering counterfeit documents of falsified information pursuant to 18 U.S.C. 1001- ( a ) Except as otherwise provided in this section, whoever, in any matter within the jurisdiction of the executive, legislative, or judicial branch of the government of the United States , knowingly and willfully- ( 1 ) falsifies, conceals, or covers up by any trick, scheme, or device a material fact ; ( 2 ) makes any materially false, fictitious, or fraudulent statement or representation; or ( 3 ) makes or uses any false writing or document knowing the same to contain any materially false, fictitious, or fraudulent statement or entry. Corporations can only interface with other corporations which means that any corporation or consumer reporting agencies using the mail system to convey letters of debt constitutes mail fraud pursuant to 18 U.S.C 1341-frauds and swindles when such counterfeit documents are suppose to go to mailboxes of the United States Corporation ( 28 U.S.C. 3002 15a ). Such dishonesty violates 15 U.S.C. 1692e-false and misleading representation especially when The Natural Living Man is the real debt collector.
Other Violations : 15 U.S.C. 1611-willfully and knowing violation 15 U.S.C. 1640-civil liability 15 U.S.C. 1692k-cilvil liability 15 U.S.C. 1681m ( f ) ( 1 ) -prohibition on sale or transfer of debt caused by identity theft ( 1 ) No person shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.
15 U.S.C. 1681c-2-block of information resulting from identity theft 15 U.S.C . 1681n-Civil liability for willful noncompliance 15 U.S.C. 1681o-Civil liability for negligent noncompliance 15 U.S.C. 1692g-validation of debt.
15 U.S.C. 1681e-Compliance procedures ( a ) Identity and purposes of credit users- Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title 15 U.S.C. 1666 ( b ) -billing error ( b ) failure to refund any part of the amount of the remaining credit balance, upon request of the Man; and ( c ) make a good faith effort to refund to the consumer by cash, check, or money order any part of the amount of the credit balance remaining in the account for more than six months, except that no further action is required in any case in which the consumers current location is not known by the creditor and can not be traced through the consumers last known address or telephone.
All three consumer reporting agencies failed to investigate United States Department of Education whove attempted to convey fictitious debts on the Man yet the President of The United States Corporation has made positive on its debt which serves as proof that such debts are obligations of the United States. Employees of consumer reporting agencies failed to provide proof that the consumer gave them written permission and consent to report items on the consumer reports therefore all addresses, employment and anything reported must be deleted at once because the consumer reporting agencies are in fact in violation of 15 U.S.C. 1681b ( e ) ( 1 ) -A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
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| 12/18/2021 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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Today is XXXX XXXX My First and My Last name is XXXX XXXX XXXX My street number , street name, current resident city, and current resident state is : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
RE : Unauthorized certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiry ( ies ) by Original Creditors on my Credit Reports Dear XXXX XXXX In the course of recently screening my personal XXXX, XXXX and TransUnion credit reports, I observed what obviously appears to be likely some unauthorized credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquirydeficientof true Permissible Purpose that REQUIRES immediate and permanent deletion : CREDIT PLUS, XXXX XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquirydeficientof true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX, XXXX XXXX I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or elseannulvia full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my XXXX credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non compliance to reporting obligations so to retain or return to appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity.If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you XXXX, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further I am also requesting that they remove any and all of my personal information from their recordsin case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) comply ( ies ) with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX XXXX data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ), and you can bet your bottom dollar that I am keeping careful record of your actions and or mishaps, whether willful or in ignorance. I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowablesuablemonetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4. ) Unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself. My mandated reportable personal identifiers aka contact information is as follows : My First and My Last name is XXXX XXXX XXXX My street number , street name, current resident city, and current resident state is : XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX P.S. Please be aware that dependent upon your response, I will be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I look forward to your willful return to lawful true, correct, complete, timely, and compliant reporting with notice of your immediate deletion of each of the aforementioned and again following detailed claims of unproven allegations that lack proof of permissible purpose, please eradicate these unlawful claims today.
In genuine sincerity, XXXX XXXX XXXX
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| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account In question : XXXX XXXX account number : XXXX XXXX XXXX XXXX date opened : XX/XX/XXXX high credit limit : {$1100.00} credit limit : XXXX missed payments : XX/XX/XXXX this account has already been removed from my XXXX consumer Credit file due to The " creditor '' not being able to validate the account. I highly recommend that you follow in the same footsteps.
be well aware that any action other then deletion of this account from my consumer credit file is and will be considered Adverse action pursuant to 15 USC 1681a ( k ) ( 1 ).
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| 07/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XX/XX/XXXX, XX/XX/XXXX Copies of the letter sent on Above dates.
Called XX/XX/XXXX and and they refused to inquire and or delete.
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain, or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports.
In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XX/XX/XXXX I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my consumer credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c ). or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of noncompliance to reporting obligations so to retain or return to appropriate status of certified metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you consumer, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further I am also requesting that they remove any and all of my personal information from your records.
Last 4 of SSN : XXXX Date of Birth : XX/XX/XXXX In the event it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) complies with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.
I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to XXXX 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4 ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.
Sincerely, XXXX XXXX
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| 09/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX AND TRANS UNION NEED TO REQUEST THE TOTAL CASH PRICE XXXX XXXX XXXX GOT FOR THE VEHICLE.PLUS HAVE THEM CORRECT THE DUE THAT WAS APPROVED FOR XXXX OF THE MONTH. THE DUE DATE WAS NEVER LEFT AT THE XXXX.THE RETROACTIVE REQUEST OF THE LEDGER BALANCE WAS NEVER COMPLETED PRIOR TO THE UNAUTHORIZED INVOLUNTARY REPOSSESS THEY DID BEHIND THE CORPORATE OFFICE DURING A OPEN INVESTIGATION TO CORRECT THE DUE DATE, BALANCES, INTERESTES, UNAUTHORIZED FEES COSTS DUE TO THEIR MISHANDLED OF THE THE ACCOUNT.THESE CREDIT COMPANIES NEED TO HAVE THEM FURNISH THE CORRECT AMOUNT RECEIVED CASH FROM DEALERSHIP BASED ON THE LEASE INCEPTION CASH COSTS NOTED ON THE LEASE CONTRACT OF {$2500.00} MINUS ALL THE LATES FEES, INACCURATE INTERESTS CHARGES FOR THE DUE DATE NOT BEING CORRECTED FROM XX/XX/XXXX AS BEEN REQUESTED SEVERALLY BY THE FINANCE MGR AT XXXX XXXX XXXX NAME XXXX XXXX XXXX/ XXXX ALL MGRS CALLED NUMEROUS EMAILS ABOUT THE INACCURATE DUE DATE NOT CORRECTED. SEVERAL PHONES CALLS, DATES AND TIMES THROUGHOUT THE LEASE BEEN INCEPTION FROM XXXX.WE CALLED AGAIN ON XX/XX/XXXX @ XXXX EVEN BEFORE ACCOUNT WAS FUNDED.THEY REFUSED TO TAKE BACK THE CAR AND IT WAS LESS THAN 72HRS AS WELL.THEY TOLD THE DEALER THEY WILL GET IT CORRECTED AND THE NEW DUE DATE WILL BE XXXX ONGOING SET FOR XXXX OF EACH MONTH.YET, THEY MISHANDLED THE ACCOUNT WITH LOTS OF INACCURACIES AND REFUSED TO FURNISH THE EXACT AMOUNT VEHICLE SOLD FOR AT THE ACTION.NO RESPONSE OF THE EXACT AMOUNT, MINUS ALL UNAUTHORIZED FRAUDULENT REPOSSESS FEES AND COST THAT WAS DISPUTED TO THE FRAUD DEPARTMENT AT XXXX XXXX XXXX EVERY MONTH ABOUT THE INACCURACIES OF THE FRAUD REPORTING AND THE CREDIT HISTORY IS NOT CORRECT AT ALL. IF THEY LIED AND PLACE {$38000.00} AS ORIGINAL LEASE CONTRACT AMOUNT.WHICH THE LEASE RESIDUAL VALUE REPORTED IS {$25000.00} WHICH BY LAW MUST BE HALF OF THE THAT AMOUNT IF ITS A LEASE NOT A FINANCE VEHICLE.THEY BEEN IGNORING ME.THEY STILL HAVE XXXX REPORTING THE INACCURATE LEAEE AMOUNT OF {$38000.00} THEN THE VEHICLE WAS SOLD FOR OVER {$36000.00} AS THEY STATED OVER 3MTHS NOW. YET, THE TRADE LINE IS NOT REMOVED OFF MY CREDIT WITH ALL THE INACCURATE LEDGER HISTORY EVERY MONTH.DUE DATE WAS NOT FIX, RESIDUAL AMOUNT OF LEASE {$25000.00} NOT {$38000.00} IF FINANCED.THE CORRECT LEASE AMOUNT AND DUE DATE STILL NOT REFLECTING ON CREDIT SINCE ITS A LEASE.FILED SEVERAL FRAUD DISPUTES WITH THE COMPANY REF # WAS GIVEN AND NO RESPONSE OF HOW MUCH THE VEHICLE WAS ACTION FAR.PLACE THE FRAUD DISPUTE AGAINST THE FRAUDULENT UNAUTHORIZED CHARGES BEEN IGNORED.THE REF # XXXX WAS GIVEN TO XX/XX/XXXX @ XXXX BY A XXXX STATED IF THEY REFUSED TO RELEASE THE TITLE TO XXXX XXXX XXXX TO PURCHASED BACK THE LEASE CONTRACT TO CORRECT THE DUE DATE AS PROMISED FROM XX/XX/XXXX THEY WILL COME AND GET THE CAR WHICH WOULD BE A VOLUNTARY IF THEY NOT ALLOWING THEM TO REPURCHASED THE VEHICLE AT {$42000.00} INCLUDING {$8000.00} IN REBATES TO HO INTO ANOTHER VEHICLE.THEY AGREED THEN ASKED FOR MORE TIME TO GET THE ACCOUNT LEDGER CORRECTED WITH THE CORREVT DUE DATE OF XXXX OF EACH MONTH AND RETROACTIVE ALL DUE DATE STARTING XXXX.XXXX XXXX TOOK OVER THE HANDLING OF THE ACCOUNT PROVIDED HER DIRECT CONTACT # XXXX ASKED THAT WE BUY HER SOME TIME TO CORRECT THE CORRECT PAY OFF WITHOUT ANY LATE FEES, INACCURATE INTEREST CHARGES, WILL ALSO PUT THE 2MTHS IN THE BACK OF LOAN TO BROUGHT THE ACCOUNT STATUS CURRENT WITH THE REPORTING AGENCIES IMMEDIATELY.XX/XX/XXXXSHE ASKED TO GIVE HER MORE TIME AND THAT WE DON'T OF TO DO A CONTRACT BUY OUT OR VOLUNTARY GIVE BACK THE VEHICLE SINCE XXXX REFUSED TO CORRECT THE LEASE DUE DATE FROM XXXX TO THE XXXX OF EACH MONTH.XXXX XXXX NOTED AND STATED SHE SEE HOW MANY TIMES IT WAS REQUESTED ON THE ACCOUNT AND WAS NOT COMPLETED PRIOR TO THE NEXT MONTH TO AVOID ANY LATE FEES AND LEDGER CORRECTION.XXXX NEVER CALLED BACK AS PROMISED ON XX/XX/XXXX THAT MONDAY AS SHE REQUESTED WE MUST GIVE HER TIME TO CORRECT THE ACCOUNT STATUS.SHE DID IN FACT BROUGHT THE ACCOUNT STATUS CORRECTED WITH BUREAUS BUT THE LEDGER BALANCE AT THAT TIME WAS STILL INCORRECT.THEN SHE CLAIMED SHE LEFT NOTES FOR HER HIGHER SUPERIOR TO PUT THE 2MTHS FOR XXXXAND XXXX AT BACK OF THE LEASE CONTRACT TO BUY THEM TIME TO RETROACTIVE THE DUE DATE BACK TO XXXX AND CHANGED IT REFLECTING NEXT PAYMENT DUE XXXX.INSTEAD THEM WENT BEHIND EVERYTHING WAS TOLD TO US ON XXXX & XXXX & XX/XX/XXXX XXXX XXXX STATED ON THE LEASE ACCOUNT WITH XXXX ABOUT THE ENTIRE ACCOUNT HAVE BERN MISHANDLED AND BALANCE NOT CORRECTED WITH DUE DATE, INTEREST COST OF TO BE ADJUSTED BASE ON CORRECT DUE DATE REFLECTING XXXX NOT XXXX.NOBLATE FEES, NO UNAUTHORIZED REPOSSESS FEES EITHER MUST BE CHARGED.MINUS THE {$36000.00} THE CAR WAS ACTION FOR.YET, THE DISPUTED FRAUDULENT UNAUTHORIZED CHARGES CHARGED AFTER THE VEHICLE WAS PICKED UP INVOLUNTARY BEHIND THE CORPORATE PERSON NOTES AND INSTRUCTIONS LEFTED.XXXX XXXX XXXX IS AND MUST BE HELD LIABLE FOR ANY EXCESS CHARGES OR FEES THEY COSTS UPON THEMSELF FOR GOING BEHIND THE CORPORATE MGR XXXX XXXX STATED NOTES TO CORRECT THE ACCOUNT.I AM NOT LIABLE AND WILL NOT BE LIABLE FOR XXXX XXXX NEGLECT ON TBIS ACVOUNT THAT BEEN IGNORED, MISHANDLED AND WAS KEEP REFUSING TO COMPLETE THE DUE DATE CHANGE ON THE ACCOUNT FROM XXXXAND ALL THE ONGOING DATES AND TIMES WE CALLED AND EMAILED AS WELL FROM THE FINANCE MGRS AT XXXX XXXX XXXX.STILL NO RESPONSE OF THE UPDATED XXXX BALANCE AND THE TRADE LINE NEED TO BE REMOVED ASAP OFF THIS ACCOUNT IMMEDIATELY.NOT LIABLE AND WAS NEVER PASTED DUE, NEVER LATE, NOT LIABLE FOR WRONG DUE DATE REPORTINGS TO THE 3 CREDIT COMPANIES EITHER.THEY NEED TO REMOVED THIS TRADE LINE IMMEDIATELY OFF MY CREDIT. PERIOD.ASAP.ITS BEEN OVER 3MTHS ONGOING I FILED A DISPUTE WITH 3 CREDIT COMPANIESNAND XXXX REQUESTING THAT THIS INACCURACIES OF LATE MARKERS AND FRAUDULENT UNAUTHORIZED REPOSSESS REPORTING BE REMOVED.REF # XXXX WAS GIVEN AND THEY SAY THEY WAS NOT GOING TO COME FOR THE VEHICLE AT XXXX XXXX INSTEAD THEY WILL FIX THE ACCOUNT DUE DATE AND CREDIT REPORTINGS.THEN THEY WENT BEHIND CORPORATE NOTES BY XXXX XXXX DIRECT PHONE # XXXX WHICH WE CALLED SEVERALLY FOR UPDATES AND SHE NEVER RETURNED THE CALLS AFTER XXXX.YET, SHE CLAIMING THAT THEY SHOULD NOT HAVE PICK UP THE VEHICLE AND PUT NO INVOLUNTARY REPOSSESS ON MY CREDIT.TIRED OF THIS FOOLISHNESS AND UNETHICAL BEHAVIOR WITH NO PROPER INVESTIGATIONS TO GET THE BALABCE TO XXXX BALANCE SINCE THE VEHICLE WAS SOLD FOR MORE THAN WHAT WAS OWED. MINUS ALL DEPOSITS AT SIGNING FOR LEASE WITH OVER 8PAYMENTS THEY RECEIVED.SUBTRACT OVER {$36000.00} CAR SOLD FOR MINUS FROM THE ORIGINAL WRONG AMOUNT REPORTED ON CREDIT 113021OF {$38000.00} INSTEAD OF THE RESIDUAL AMOUNT OF $ XXXXSINCE ITS A LEASE NOT A FINANCE VEHICLE.BY LAW ITS STATES WHEN ITS A LEASE THEY CAN NOT REPORT THE FULL CONTRACT AMOUNT OF THE VEHICLE AND ITS NOT FINANCE.IT WAS A LEASE NOT A FINANCE.PLUS THE VEHICLE WAS NEVER REPOSSESS THEY INVOLUNTARILY SOLD IT BEHIND THE DEALER AND XXXX CORPORATE MGR XXXX XXXX @ XXXX BACK AND IT WAS NEVER A ANY FAULT OF THE CONSUMER DUE TO THEIR INCOMPETENCIES MISHANDLED THE ACVOUNT FROM INCEPTION AND IGNORING ALL DUE DATE REQUESTES AS PER XXXX XXXX.I AM NOT LIABLE AND SHOULD NOT BE.THEY MESS UP AND MUST TAKE ACCOUNTABILITY FOR THEIR AGENTS INCOMPETENCIES NOT BLAMING THE CONSUMER FOR THEIR INCOMPETENCIES.REMOVED THE COMPLETE TRADELINED OFF ALL CREDIT PLATFORMS AND XXXX BALANCE THE ACCOUNT SINCE THIS CONTRACT SHOULD BE NULL AND VOID SINCE THEY VIOLATED THE ENTIRE CONTRACTS LEASE TERMS AND CONDITIONS THAT WAS LISTED.IMMEDIATE EFFECT OF TRADELINE REMOVAL REQUESTED OFF MY CREDIT HISTORY.DO N'T OWE OR LIABLE FOR NO BALANCE TO XXXX XXXX XXXX NOR THERE AFFILIATES PERIOD! XXXX BALANCE OWED.NOT LIABLE FOR THIS FRAUDULENT UNAUTHORIZED ACCOUNT LEDGER HISTORY FROM INCEPTION UNTIL SOLD FOR OVER {$36000.00} PLUS ALL PAYMENTS AND DEPOSITS THEY RECEIVED.THEY OWE ME. I DON'T OWE NO ONE NOTHING AND THIS VEHICLE.
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/1975 Dear Sir/Madam, I hope this letter finds you well. I am writing to urgently address a matter of grave concern related to my credit report, which has left a profound impact on my financial stability and overall well-being. I am turning to the Consumer Financial Protection Bureau ( CFPB ) to seek assistance in enforcing my legal rights and rectifying the egregious violations that have occurred.
Under the provisions of the Fair Credit Reporting Act ( FCRA ), it is my right to have accurate and fair information represented on my credit report. Regrettably, my interactions with multiple creditors have revealed serious transgressions that have resulted in inaccuracies and unverified accounts marring my credit history.
Here are the specific violations that have taken place : Inaccurate Reporting - XXXX ( Account Number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information.
Inaccurate Reporting - XXXX XXXX ( Account Number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information.
Unrecognized Account - XXXX ( Account Number : XXXX ) : Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file.
Inaccurate Reporting - XXXX ( Account Number : XXXX ) : lease correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information.
Inaccurate Reporting - XXXX XXXX ( Account Number : XXXX ) : Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violation : FCRA Section 623 ( a ) ( 2 ) Explanation : This section mandates that credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of consumer credit information.
Unrecognized Account - XXXX ( Account Number : XXXX ) : Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file.
Unrecognized Account - XXXX XXXX ( Account Number : XXXX ) : Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file.
Unrecognized Account - XXXX XXXX ( Account Number : XXXX ) : Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation : FCRA Section 605B Explanation : This section outlines the procedures for conducting a reasonable investigation into the accuracy of disputed information when a consumer disputes the completeness or accuracy of any item of information contained in their file.
Incorrect Personal Information - XXXX XXXX XXXX XXXX XXXX CA XXXX : The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Violation : FCRA Section 607 ( b ) Explanation : This section mandates that credit reporting agencies must provide accurate information in a consumer 's credit report and must promptly delete outdated or erroneous information.
These violations have not only undermined my legal rights but have also wreaked havoc on my personal and financial life. The inaccuracies have led to unjustified denials of credit, exorbitant interest rates, and the inability to secure necessary loans for significant life events. As a result, my ability to provide for my family, secure housing, and plan for the future has been unjustly hindered. I am constantly burdened with the weight of these inaccuracies and unverified accounts, which have taken a toll on my emotional well-being as well.
Allow me to recount a poignant incident that serves as a testament to the distress I've endured due to these violations. I recently endeavored to secure a mortgage to fulfill my family 's aspirations of owning a cherished home. Despite maintaining an impeccable credit history throughout my life, the inaccuracies and unverified accounts on my report led to the rejection of my mortgage application. The home that symbolized stability and happiness for my family is now tragically out of reach, solely due to information that should never have marred my credit report. This heartrending setback has left me feeling helpless and emotionally shattered.
With utmost humility, I implore the Consumer Financial Protection Bureau to intervene and champion my legal rights. I beseech you to ensure that the creditors involved rectify the violations they have committed. Specifically, I kindly request the complete removal of the unverified accounts from my credit report. This action would not only pave the way for me to rebuild my financial standing but would also restore my hope for a brighter future for my family.
I remain hopeful that the Consumer Financial Protection Bureau will heed my plea and take decisive action to rectify these violations. Your assistance in this matter would not only alleviate my distress but would also affirm my belief in the effectiveness of the consumer protection system.
I thank you sincerely for your time and consideration of this grave matter. I look forward to a resolution that will help me put this agonizing episode behind me. For any further communication, please do not hesitate to contact me at XXXX or XXXX.
With sincere gratitude, XXXX XXXX
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| 07/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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Good morning to the Federal department CONSUMER FINSNCIAL PROTETION BUREAU, please excuse me for any errors I do not speak English and I have to translate through XXXX XXXX. In this complaint I also included the agency ( Trans Union ) for the following reason they are the ones who have control of all movement of XXXX XXXX and TransUnion have the application that works with XXXX XXXX in other words they have a consortium an agreement they have all the control of my credit report of my transactions my movements my history of responsibility in everything that I ask everything that I receive and as payment to all my creditors in my lines of credit or personal loan and how is my personal credit process with them and with other companies to date they have not updated my credit report for this reason I re-file another complaint including them directly and send them photos of evidence from my wife 's phone since I can not capture through my XXXX application because they don't allow it, and particularly these named entities did their update correctly XXXX, XXXX these entities that I just named act me ualized all my report they are also very important in the credit judgment towards banks or cooperatives which indicates that they did a fair job at my request as a consumer of my concern and also and also notified them that no other bank that I enjoy I have been faithful, loyal and excellent, irresponsible, paying none, I lower or took away a line of credit or they reduced me a line of credit. I also send this information to you, very clear Federal agency, you can see it in the credit report. the credit agency that monitors the accounts in their entirety to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And XXXX XXXX CARDS that means that XXXX was able to monitor my accounts through them and when I asked them to please search and analyze my credit they sent me or wanted to force me to make a request what they call in the term of the bank a new inquiry with a hard impact in my credit report damaging my experience and my credit reputation much more by lowering my score and having again for 2 more years a credit application with them having a completely excellent extraordinary record as a client and I honor my nature of my responsibility you can see through my credit report in the three agencies that being my excellent credit they tell me not to get out of the way another injustice and they are totally combined with XXXX XXXX that is the reaction that I can perceive and look at today From the analysis that I made in the follow-up of my investigation, I personally hope that you can see it as a Federal agency that for and embrace the true justice to the consumer have not updated my credit report as I requested as a reliable consumer responsible and permanent of all my credit responsibilities until XXXX XXXX this entity that told you and spoke to you could very cordially if you had wanted to professionally investigate my credit that they have all the history they would have reacted in a fair way to my request however it was the opposite it was in a reaction of harming me of harming me in the most cruel way that I have been able to receive in my 59 years as a consumer XXXX XXXX took a decision not convincing or pleasant or favorable to me as a consumer, In reality they did not answer in a positive or convincing way to my need in the concern of my claim about my history and credit reputation about the discrimination and personal damage that they did against me in damaging my reputation and discrediting my credit morale I will take action If it is necessary to defend my rights, my credibility and my financial status, I have worked hard to have a healthy history for myself and my family, even though I was strongly impacted by the covid 19 pandemic, I am not satisfied, I spoke with them in a friendly way. respectful and admirable, however, they did not tell me or comment, they did not tell me about a solution to my important need to solve the problem and my history is very affected by the bank XXXX XXXX and XXXX XXXXY TRANSUNION I give you a real example I wanted to ask you to investigate how I am in my credit report with the institutions that I have credit an increase to a line of credit to another bank and they denied it and their answer was that an entity had closed me and lowered the credit limits that they could not me giving the increase that led me to understand the magnitude of the damage that they have done to me is unheard of is cruel because I never stop paying them for a month or a n penny in all the time I was with them they disgraced me they have made a vile act much clearer what XXXX XXXX and XXXX XXXX have done with me my reputation has cost me a lot of work of a lot of perseverance to be able to maintain with everything and the pandemic that I was severely affected like many citizens of the United States and also worldwide and my credit implies what is my well-being and the future of my old age and my family to have an always healthy quality of life to be able to respond in any act of importance with my credit history since I am going to buy a home for my family in XXXX it is important that my person has a good image and credibility acceptance before any bank or financial entity that I am going to request a loan with the bank that I am going to direct to request for buy a home, this is not only about the amount or the loan or the bank attention if it is not the way in which they have harmed me and my personal and family projects this implies something very personal in matters of human and professional ethics at the national level I will continue to look for alternatives for my solution my request is that the credit lines that I had be returned and that I use wisely and responsibly as good consumer Federal agency you can study analyze my credit and you will realize that my request is real you have the power of the jurisdiction as a Federal agency with the norms awarded by law, however I did not see that XXXX XXXX put the necessary and adequate importance to my need and my responsibility without caring about anything to be able to solve this problem in a professional and friendly manner in a human capacity please ask the federal government agency Consumir Financiala Protetion Bureau to further investigate the injustice that was done unnecessarily regardless of their policies XXXX XXXX for me It was a cruel and vile injustice to me, they have the ways and the process to be able to carry out an investigation without having to request a hard investigation through XXXX XXXX and not remove points from my credit report again And do me much more harm than they do me They have done as well as they analyzed that I had to lower my credit line through them they can do it, every credit financial institution knows that they can do it internally. XXXX XXXX monitor all my accounts and changes there they can do it without the need for harm me more than I am without having to request my credit report again, these are the account numbers that I am claiming again ( XXXX ) ( XXXX ) this account was taken away from me they closed it without notifying me and without saying anything enjoying it in good consumption and good attitude paying in full the outstanding balance, where to this day he continues to send me announcements of XXXX membership REWAR D the special agent of the executive department of XXXX XXXX who assisted me is Mrs. XXXX this is the number to contact her XXXX Ext. XXXX thank you I hope for your help for the freedom and justice that we live in the United States United of North America, we the citizens or any consumer, I ask the FEDERAL AGENCY CONSUMER FINANCIAL PROTETION BUREAU, now a thorough investigation with the credit reporting agencies, I also awaited your response, thank you and God bless you
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| 05/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, I recently submitted a verification of the following accounts that appeared to be unfamiliar with me. XX/XX/XXXX, Illinois XXXX XXXX XXXX, a college I attended, had a security incident whereas I and other current and former students personal information was stolen!
( see enclosed : official letter from Illinois XXXX XXXX XXXX XXXX personal information breach ) Upon further examination of these unfamiliar accounts reported by XXXX I began to check the reporting done by your company as well as XXXX and TransUnion related to me and found that neither of you three are reporting consistent, accurate, and complete information. According to the FCRA, credit reports are supposed to be accurate, complete, and verifiable! There are a number of eras within the report with several unfamiliar and unverified items in particular.
My person information must be updated and consistent with the other credit reporting agencies. Your agency is the only agency reporting incorrect personal information. This inaccurate reporting of my contact and or personal information is a violation of the FCRA : 15 U.S.C 1681 In each and every category, XXXX reports Items with either completely different totals, findings, some blank from the other reporting agencies. Neither Agency in general have similar information as the other.
XXXX couldnt provide me with their methods of investigation as to the verification of the following Accounts : Acct # XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX TransUnion Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Date Opened should be consistent where we have your agency reporting one date and TransUnion reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date Last Active : XX/XX/XXXX TransUnion Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date of Last Payment : XX/XX/XXXX TransUnion Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above 3 inaccuracies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account : XXXX ( XXXX XXXX ) above account Acct # XXXX SXXXX XXXX Date Opened : XX/XX/XXXX TransUnion Date Opened : XX/XX/XXXX XXXX Date Opened : XX/XX/XXXX Your Agency as well as TransUnion Date Opened dates are inconsistent with one another and I demand that this incorrect unfamiliar account be deleted at once per the FCRA : If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date Last Active : XX/XX/XXXX TransUnion Date Last Active : XX/XX/XXXX XXXX Date Last Active : XX/XX/XXXX All Date Last Active dates are being reported by the so-called furnisher inconsistently across each of the 3 credit reporting agencies as to the correct date last active dates If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
XXXX Date of Last Payment : XX/XX/XXXX TransUnion Date of Last Payment : XX/XX/XXXX XXXX Date of Last Payment : XX/XX/XXXX Date of Last Payment should be consistent where we have your agency reporting one date and XXXX reporting another. Which date is correct?
If this account was verified properly the FurnisheXXXX would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these XXXX categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Account Status : Paid TransUnion Account Status : Derogatory XXXX Account Status : Paid Account Status should be consistent where we have your agency reporting one date and TransUnion reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Payment Status : Late 60 Days TransUnion Payment Status : Current XXXX Payment Status : Current Payment Status should be consistent where we have your agency reporting one date and XXXX and TransUnion reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 XXXX Last Reported : XX/XX/XXXX TransUnion Last Reported : XX/XX/XXXX XXXX Last Reported : XX/XX/XXXX Last Reported should be consistent where we have your agency reporting one date and XXXX and TransUnion reporting another. Which date is correct?
If this account was verified properly the Furnisher would have consistent information reporting across each credit agency.
Based upon the above inaccuracies and inconsistencies within these 3 categories I demand that the above account be deleted per the FCRA : 15 U.S.C 1681 Delete Account XXXX XXXX These accounts could be as the result of the Illinois XXXX XXXX XXXX XXXX XXXX included in the attached documents XXXX refuses to update my contact information, with their refusal to correct my contact information subjects me further to potential fraud as I have no association with the following address : XXXX XXXX XXXX XXXX XXXX, IL XXXX 15 U.S. Code 1681b - Permissible purposes of consumer reports o ( a ) IN GENERALsubject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : o ( 2 ) In accordance with the written instructions of the consumer to whom it relates Further, I request to be forwarded the following proofs of verification of the above accounts, and that failure to provide me with the following documents violates my rights according to the Fair Credit Reporting Act 15 U.S.C 1681 1. Any contracts I signed with the supposed company as I never entered into any contract with any of the above account holders!
2. Any signed checks with signatures 3. Anything with my social security number 4. Pay Off Disclosure 5. Interest Rate Disclosure 6. Balance History 7. Payment History 15 U.S. Code 1681 ( 4 ) Congressional findings and statement of purpose o ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1692j - Furnishing certain deceptive forms o It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor when in fact such person is not so participating.
o ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter.
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| 09/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Didn't receive services that were advertised
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Web |
Servicemember |
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TransUnion website shows that you will receive your 3 bureau reports & scores for {$29.00}. I paid for it but then only received the Transunion report. It then made me pay an additional {$29.00} for the other two reports and scores. This is absolutely false advertising, fraud or something. I then contacted TU over chat but they would not even consider giving me the two products. IF this was just a monitoring fee, they would have tried to keep me as a customer but instead admitted that they charge {$29.00} for my ONE ANNUAL report and score PLUS another {$29.00} for the additional XXXX and XXXX. I requested a refund but do not beleive they will be refunding me.
CHAT TRANSCRIPTION Today membership You ( XXXX XXXX )- XXXX XXXX One moment while I transfer you to a live agent.
XXXX Authenticated Chat - XXXX XXXX You are now connected to XXXX.
XXXX- XXXX XXXX I paid {$29.00} and didn't get my three scores???
You - XXXX XXXX Welcome to our live chat service. My name is XXXX and I am here to assist you.
XXXX - XXXX XXXX I paid {$29.00} and didn't get my three scores???
You - XXXX XXXX Do you have a system issue on the webpage?
XXXX - XXXX XXXX no. I paid the full amount {$29.00} but it only gave me my Transunion score. Its saying I have to pay anojther {$29.00} to add XXXX and XXXX XXXX - XXXX XXXX Yes, you will need to make a different payment to get all 3 credit scores XXXX - XXXX XXXX I should have gotten just my transunion for free. I should not have to pay {$30.00} TWICE If you can't fix it, please cancil my account and I want a refund.
You - XXXX XXXX I can help you with the cancellation. Please fill out this form so I can locate your account.
XXXX has sent you a Secure Form : PII Form XXXX - XXXX XXXX I could go to XXXX and XXXX and pay ONLY {$30.00} for all three. not {$60.00} You - XXXXXXXX XXXX That is great, I am glad you can get all 3 credit scores XXXX - XXXX XXXX Im filling it out now.
I am also on the CFPB site to report this. Your site told me I woild get all three scores. Its a scam.
What is your ID # and name?
You - XXXXXXXX XXXX The following Secure Form has been submitted : PII Form XXXX - XXXX XXXX What is your name a ID You- XXXXXXXX XXXX Sorry it's taking us longer than expected to reply. We will respond shortly.
XXXX - XXXXXXXX XXXX Thank you! Please allow me a moment while I pull up your account & nbsp ; & nbsp ; I will need to confirm some information so I can proceed with the refund. & nbsp ; Is the credit card on the account still active?
Did you request the refund with your bank as well or just with us for now?
I am sorry, we don't handle name ID XXXX - XXXX XXXX The card I just used ending in XXXX is active I did not request a refund with my bank. I would like a refund with you You - XXXX XXXX Sorry it's taking us longer than expected to reply. We will respond shortly.
XXXX - XXXX XXXX Thank you, We will process your refund immediately. Refunds can take XXXX business days to appear on your credit card statement or up to XXXX business days to appear on your bank account statement.
Your membership has been cancelled, you will receive a confirmation email within XXXX - XXXX minutes & nbsp ; Any Credit Lock on the account will automatically unlock at the end of the billing cycle. You can create a free service account here service.transunion.com & nbsp ; XXXX - XXXX XXXX Your name is XXXX thanks You - XXXX XXXX Yes, I am so sorry for all the inconveniences. Is there anything else I can help you with?
XXXX - XXXX XXXX I want to confirm that you qacknowledge that I was made to pay {$29.00} for only my TU report & score only and then if I want my XXXX and XXXX I would need to pay another {$29.00}?
And that your site would not let me pay {$29.00} for all three for an initial annual request?
You - XXXX XXXX When you pay for TransUnion membership for {$29.00} it includes only your score with TransUnion, if you want XXXX and XXXX as well you will need to make another payment yes XXXX - XXXX XXXX Can you send me a trasncript of this chat?
You - XXXX XXXX Sorry it's taking us longer than expected to reply. We will respond shortly.
Info - XXXX XXXX I am sorry, I don't have that option at the moment. You can save the chat on your end XXXX Today membership You - XXXXXXXX XXXX One moment while I transfer you to a live agent.
XXXX Authenticated Chat - XXXX XXXX You are now connected to XXXX.
XXXX- XXXXXXXX XXXX I paid {$29.00} and didn't get my three scores???
You - XXXX XXXX Welcome to our live chat service. My name is XXXX and I am here to assist you.
XXXX - XXXX XXXX I paid {$29.00} and didn't get my three scores???
You - XXXX XXXX Do you have a system issue on the webpage?
XXXX - XXXX XXXX no. I paid the full amount {$29.00} but it only gave me my Transunion score. Its saying I have to pay another {$29.00} to add XXXX and XXXX XXXX - XXXXXXXX XXXX Yes, you will need to make a different payment to get all 3 credit scores XXXX - XXXXXXXX XXXX I should have gotten just my transunion for free. I should not have to pay {$30.00} TWICE If you can't fix it, please cancil my account and I want a refund.
You - XXXX XXXX XXXX can help you with the cancellation. Please fill out this form so I can locate your account.
XXXX has sent you a Secure Form : PII Form XXXX - XXXX XXXX I could go to XXXX and XXXX and pay ONLY {$30.00} for all three. not {$60.00} You - XXXXXXXX XXXX That is great, I am glad you can get all 3 credit scores XXXX - XXXX PM XXXX filling it out now.
I am also on the CFPB site to report this. Your site told me I woild get all three scores. Its a scam.
What is your ID # and name?
You - XXXX PM The following Secure Form has been submitted : PII Form XXXX - XXXXXXXX XXXX What is your name a ID You- XXXX XXXX Sorry it's taking us longer than expected to reply. We will respond shortly.
XXXX - XXXX XXXX Thank you! Please allow me a moment while I pull up your account & nbsp ; & nbsp ; I will need to confirm some information so I can proceed with the refund. & nbsp ; Is the credit card on the account still active?
Did you request the refund with your bank as well or just with us for now?
I am sorry, we don't handle name ID XXXX - XXXX XXXX The card I just used ending in XXXX is active I did not request a refund with my bank. I would like a refund with you You - XXXXXXXX XXXX Sorry it's taking us longer than expected to reply. We will respond shortly.
XXXX - XXXXXXXX XXXX Thank you, We will process your refund immediately. Refunds can take XXXX business days to appear on your credit card statement or up to XXXX business days to appear on your bank account statement.
Your membership has been cancelled, you will receive a confirmation email within XXXX - XXXX minutes & nbsp ; Any Credit Lock on the account will automatically unlock at the end of the billing cycle. You can create a free service account here service.transunion.com & nbsp ; XXXX - XXXXXXXX XXXX Your name is XXXX thanks You - XXXX XXXX Yes, I am so sorry for all the inconveniences. Is there anything else I can help you with?
XXXX - XXXX XXXX I want to confirm that you acknowledge that I was made to pay {$29.00} for only my TU report & score only and then if I want my XXXX and XXXX I would need to pay another {$29.00}?
And that your site would not let me pay {$29.00} for all three for an initial annual request?
You - XXXX XXXX When you pay for TransUnion membership for {$29.00} it includes only your score with TransUnion, if you want XXXX and XXXX as well you will need to make another payment yes XXXX - XXXXXXXX XXXX Can you send me a trasncript of this chat?
You - XXXX XXXX Sorry it's taking us longer than expected to reply. We will respond shortly.
Info - XXXXXXXX XXXX I am sorry, I don't have that option at the moment. You can save the chat on your end XXXX
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, XXXX.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
XXXX.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
XXXX. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
XXXX. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
XXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, XXXX in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/21/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Consumer Financial Protection Bureau, Im writing you to see if you can help me resolve a issue I have with the XXXX XXXX XXXX XXXX they have allowed my ex-wife to refinance and sign a new contract to refinance the loan we had together without my knowledge and allowed her to forge my name on the new contract allowing it to destroy my credit Because of their neglect on having a notary not be present to verify the signature were of the correct people .It has been going on for several years and I have tried to work with them to no avail and not sure where else to turn. It all started with my divorce back in XXXX where the car we had bought jointly from XXXX XXXX XXXX that was a XXXX XXXX XXXX she was suppose to hold me harmless from the car and all payments well she ended up letting the car get repossessed and filed for bankruptcy now I know there is nothing you can do about that and I did take that up with the courts in the rights of my divorce decree and I filed contempt and she is being held responsible for making payments on what is owed since XXXX of last year .The part I am writing you about is like I said we did do a joint contract on the XXXXXXXX XXXX XXXX with the XXXX XXXX XXXX XXXX But after getting divorced and not speaking with my ex-wife when she let the XXXX XXXX XXXX get repossessed and filed bankruptcy The XXXX XXXX XXXX started to come after me and reported negative charge offs on all 3 of the credit Bureau and at first I was using the courts to try and get the issue resolved through my divorce decree and I did with the contempt charges as for making her have to pay them back and she is currently paying them back as of XXXX of last year. So when the XXXX XXXX XXXX XXXX started to come after me when my ex-wife filed for bankruptcy they sent me a copy of the contract to show that it was binding because my ex-wife & I signed because I had sent them info on my divorce decree showing she was suppose to hold me harmless and they sent the copy of the contract to let me know that we had signed a binding joint contract with them on the XXXX XXXX well at first I really didnt look at the contract they had sent with a lot of other papers because I thought it was the original contract that my ex-wife & I had signed at the dealership and of course I did sign a joint contract with her at the dealership before the divorce well once I actually look at the contract I realized it was not that contract from the dealership it was a refinanced contract that had her signature and mine on it and I was XXXX founded because I had never seen this contract nor did I sign it and I could clearly see that my signature and initials were forged the first thing I did was call the police to get my ex-wife for forgery the police came made a report & did a interview with her and the officer told me she would talk to the county attorney to possibly move forward with charges because what the officer felt from what my ex-wife said to her she did forge my name well since it had been so long there was nothing I could do to her about the forgery I could only file contempt with my divorce decree well I did that and sent the police report to XXXX XXXX XXXX and explained that my ex-wife had forged my signature and also sent them copies of my real signature and asked them to please remove me from this loan and remove the negative charge off from all 3 of the major credit bureaus because this new contract voided the original one and they have been affecting my credit badly because it was the neglect of the XXXX XXXX XXXX XXXX sending a contract to her new residents at XXXX XXXX XXXX XXXX XXXX XXXX to have my ex-wife sign and send back a refinance contract that they did not have her come into the office or have someone notarize the contact to verify the signature were from the correct people and Never sent anything to my address XXXX XXXX XXXX XXXX XXXX XXXX to have me sign and this is the reason I am writing the Consumer Financial Protection Bureau .XXXX XXXX XXXX XXXX has neglected my rights as a consumer we had a binding contract that was signed jointly from my ex-wife and I from the dealership but they allowed someone in the company to be irresponsible and send a new refinance contract to my ex-wife residents and allowed her to sign her name and forge my name without my knowledge & without a notary to be there to witness the signatures there for voiding the previous contract and holding me harmless from the new contract because I never agreed to anything in this new contract or did I have a chance to I should not be held responsible for something I did not even know about it was not my signature and I sent them my correct signature so they could see that the signature was forged and to remove me from this new contract and remove the negative charge offs from all 3 of the major credit Bureau and they will not they want me to prove that its a forgery where I have sent in my signature the police report and that should be enough for them to remove me from this new contract and remove the negative marks from my credit repots. It was the XXXX XXXX XXXX XXXX neglect & irresponsibility that lead to my name being forged I should not be held responsible for their mistake of sending a new contract to the customer without making sure it was notarized by someone to verify the correct people were signing the contract they should be held responsible to have my signature analyzed to the signature on the contract and they should have to pay for that because its their neglect that led to this I should not be held responsible for the mistakes and should be removed from this contract that I did not sign and XXXX XXXX XXXX should have to remove the negative charge offs for this account off all 3 of my credit Bureau thats been hurting my credit badly for the last few years. Consumer Financial Protection Bureau I am asking you to please help me try and get this issue resolved with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account number for this new contract is XXXX please help me get this issue resolved and help me get my credit back this has hurt me financially for a few years now and it was because of the neglect of XXXX XXXX XXXX XXXX. I will send copies of the original contract a copy of the new contract with the forged signature of mine along with the police report stuff I really did sign for my house so you can see the difference of the signatures and initials and have for XXXX XXXX XXXX again and a copy of my Transunion and XXXX reports credit report to show how they are reporting and hurting my credit thanks XXXX XXXX. I truly do your able to help me with my issue .I have tried to resolve this with XXXX XXXX XXXX multiple times but they refuse to help me even though it was their neglect that caused this situation I even filed contempt on my ex-wife to make sure they got their money back & thought by helping them out they would do the right thing like I did and remove the charge offs from all 3 credit Bureau but they did not I should not be held responsible for their neglect and irresponsibility of them sending a new contract to my ex-wifes new address and not requiring a notary to be present to make sure the signatures were from the right person and XXXX XXXX XXXX XXXX should have to pay to have the signatures analyzed and once it comes back that its not my signature they should have to remove the negative remarks from the credit companies and remove me completely from the new contract because when they let here forge my name and change the term of the old contract that voided my obligation again I please ask Consumer Financial Protection Bureau to help me get this issue resolved and I thank you for any help you can provide I will have attached all the documents and what they are thank you again
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| 10/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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It is unlawful, and a direct violation of several FEDERAL LAWS and statutes to report inaccurate, misleading or Unverified information.
On XXXX XX/XX/2022, I sent a letter asking each credit bureau to investigate the validity of the accounts listed below.
On ( XXXX XX/XX/2022 ) I received responses from Transunion, XXXX and XXXX stating that the following accounts 100 % accurate and true-verfied and would not be removed from my credit report.
Per the procedures and laws stated in 15 USC 1681i and its subsections I have requested that all FURNISHERS related to these accounts and CONSUMER REPORTING AGENCIES in which the following items have been disputed have been NOTIFIED of the DELETION of these accounts due to their inability to prove their validity.
To ensure that you receive NOTIFICATION I am including the following attachments to this letter.
Original letter to Credit Bureaus Copies of signed Certified Mail receipts showing companies received the letter A listing of each error from each creditor on each account PER FEDERAL LAW and the standards set forth by all committees overseeing consumer reporting agencies, continuing to report this information on my credit report is a violation of my rights.
15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
The actual judgement and paperwork with my signatures affixed would satisfy that requirement. That is not what was done.
However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
TransUnion, XXXX and XXXX also violated my rights numerous times.
TransUnion, XXXX and XXXX took my information and sold it to the highest bidder without my written permission. They violated my given rights under 15 USC 1681.
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states any consumer reporting agency can not furnish information on my credit report without my written authorization and instructions. I did not give any credit reporting agency my authorization, nor instructions to furnish the below referenced information.
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.
According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states any consumer reporting agency can not furnish information on my credit report without my written authorization and instructions. I did not give any credit reporting agency my authorization, nor instructions to furnish the above referenced information.
According to : 15 U.S.C. 1681 S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
All of the credit reporting agencies had reason to believe that the above referenced information COULD be inaccurate, yet they still report the information as 100 % accurate. This is in violation of 15 U.S.C. 1681 S-2 ( A ) ( 1 ).
The information appearing on my credit reports is still erroneous because it does not match my records. I did not not give written permission or instructions for the information to appear on my credit reports. And finally, I have a right to maintain the privacy of my data.
It is well within the Law : 15 USC 1681 for me to seek damages at this time for {$1000.00} for each violation ( error listed on my credit reports ) of my rights for each credit bureau,. At this time there are violations listed in my enclosures for each credit bureau. If the credit bureaus, Transunion, XXXX, XXXX, immediately delete this unauthorized ( " XXXX XXXX ... '' ) information from my credit report within 30 days from the date of this certified letter, I will agree not to pursue damages of {$1000.00} for each error from each credit bureau and other credit reporting agency ( XXXX ).
Accounts Account Name : XXXX XXXX XXXX XXXX Account Number : *** *** *** XXXX Credit Bureaus reporting this incorrect information : Transunion, XXXX, XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX.
This account is different on all three bureau credit reports.
Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$1300.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$2700.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$11000.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$6600.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$1300.00} Credit Bureaus reporting this incorrect information : Transunion, XXXX Account Name : U S DEPT OF EDXXXX Account Number XXXX XXXX {$3100.00} Credit Bureaus reporting this incorrect information : Transunion, XXXX Account Name : U S DEPT OF EDXXXX Account Number : XXXX {$7500.00} Credit Bureaus reporting this incorrect information : Transunion, XXXX Account Name : US DEPT OF EDUCATION Account Number : XXXX {$2900.00} Credit Bureaus reporting this incorrect information : Transunion, XXXX Account Name : US DEPT OF EDUCATION Account Number : XXXX {$2700.00} Credit Bureaus reporting this incorrect information XXXX Transunion, XXXX Account Name : US DEPT OF EDUCATION Account Number XXXX XXXX {$6600.00} Credit Bureaus reporting this incorrect information : Transunion XXXX XXXX Account Name : US DEPT OF EDUCATION Account Number : XXXX {$11000.00} Credit Bureaus reporting this incorrect information : Transunion XXXX XXXX Account Name : DP OF EDUC Account Number : XXXX {$3100.00} Credit Bureaus reporting this incorrect information : XXXX Account Name XXXX DP OF EDUC Account Number : XXXX {$7500.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : DP OF EDUC Account Number : XXXX {$0.00} Credit Bureaus reporting this incorrect information : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX This account is different on each credit report.
Credit Bureaus reporting this incorrect information : Transunion, XXXX, XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$1200.00} Credit Bureaus reporting this incorrect information : Transunion XXXX XXXX XXXXAccount Name XXXX XXXX XXXX XXXX Account Number : XXXX {$2500.00} Credit Bureaus reporting this incorrect information : Transunion, XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX {$5500.00} Credit Bureaus reporting this incorrect information : Transunion, XXXX Account Name XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} Credit Bureaus reporting this incorrect information : Transunion, XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX {$7500.00} Credit Bureaus reporting this incorrect information XXXX Transunion, XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX XXXX {$2700.00} Credit Bureaus reporting this incorrect information XXXX Transunion, XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX {$2400.00} Credit Bureaus reporting this incorrect information : Transunion XXXX XXXX Account Name : XXXX XXXX Account Number : XXXX {$6700.00} Credit Bureaus reporting this incorrect information : Transunion XXXX XXXX
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| 04/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is the letter I addressed to CRA 's XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Transunion, XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX
XXXX, PA XXXX XXXX : XX/XX/XXXX SSN : XXXX This is a formal complaint that you are reporting inaccurate information, you are required by federal law to conduct a reasonable investigation to determine if the disputed information is accurate or delete the item from my consumer report in accordance with paragraph ( 5 ), if you are unable to verify and validate the accounts with the original documents with my signature any negative or inaccurate information on my credit report should be removed from my consumer report in XXXX days, this includes inaccurate late payment history. I received notification that XXXX is reporting recent late payment, this is very strange as I have nearly FOUR YEARS of good payment history. In addition there is a federal mandate to suspend student loan payments until XX/XX/XXXX. I am currently in Covid-19 emergency relief, all of my student loans are in good standing and currently paid as agreed. XXXX has had consistent payments since XXXX according to XXXX report and since XXXX other Transunion and XXXX. I do not know where you are getting your furnished information from. My credit report is very important to me and my family, as a result of your negligence my score has dropped XXXX points from XXXX to XXXX due to the improper reporting data. I am looking to purchase a home and new car, I am devastated. You are a consumer reporting agency, you have a mandate to be 100 % compliant with the Bureau the Bureau of Consumer Financial Protection ( CFPB ) and all sections and subsections pertaining to our credit reporting and consumer laws.
I have a closed XXXX auto loan account that was paid in full, this account has been reporting inaccurate amounts and inaccurate late payments. I have previously disputed and you fail to remove the late payments or correct amounts nor respond with any proper validation or verification. For reference purposes Fair Credit Reporting Act Sec, 623 XXXX, XXXX Transunion XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XXXX. This law is in my favor to protect my consumer rights, if I must prove it I will. I am only requesting legitimate proof of your findings or that the late payments be expunged permanently. XXXX XXXX is also reporting inaccurate closing dates, opening dates and inaccurate percentage of loan paid and no.of late payments. All of this is liable for damages in a class action lawsuit not to exceed {$1000.00} and a minimum of {$500000.00} or 1 per centum of the net worth. You have failed to maintain reasonable procedures to assure 100 % accuracy in the consumer reports you publish. Your agency is violating far too many FCRA & FDCPA laws, including in my report 15 U.S. Code 1681a-Congressional findings and declarations of purpose 15 U.S. Code 1681b-Permissible purposes of consumer reports 15 U.S. Code 1681e-Compliance Procedures 15 U.S. Code 1692e Sec. 807 false or misleading representations ( 11 ) written disclosure Public laws, amendment 111-203 ( XX/XX/XXXX ) I am well informed of my consumer rights, laws and the nature to which you should respond.
No consumer reporting agency, like XXXX, may furnish a consumer report to any person or third party if it has no reasonable grounds for believing that the information is accurate unless they have and can provide actual proof, not computer generated verification responses such as e-OSCAR. Respectfully, I expect to be provided proof of these alleged items of verification, specifically the contract, note, or another instrument bearing my signature according to the Fair Credit Billing Act, FCRA and FDCPA. Please provide the names, date and time of the furnisher used to investigate the information being reported. Highly unacceptable and my credit worthiness is being unjustly judged based on these unfortunate errors.
It is not my desire to pursue litigation but if your agency continues to list inaccurate items on my report I will aggressively invoke my right to do so starting with contacting your legal department 's general counsel, chief legal officer XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX, XXXX XXXX XXXX ( XXXX ) and XXXX XXXX, XXXX Attorney ( Transunion XXXX.
In addition I will forward my letter of grievance of your negligence to XXXX XXXX, director of enforcement ( CFPB ) and Pennsylvania State Attorney General, XXXX XXXX as needed to enforce my rights for actual damages and declaratory relief as these are serious violations of the Fair Credit Reporting Act and FDCPA. This will be my final warning to dispute and receive a fair response before escalating matters. CRA 's are predatory and I demand that my and all credit reporting be conducted with the diligence and ethical practices. The FCRA provides concurrent jurisdiction in federal and state courts. Under 15 U.S. Code 1681b-Permissible Purpose of consumer reports I never gave you any written consents to report anything on my consumer report. No consent statutes Identity Theft.
I have contacted the creditor and I am submitting a separate complaint with the CFPB and XXXX. It is not my responsibility but yours to know exactly what is being reported accurately and inaccurately as you state all information on my consumer report has been properly verified and should be 100 % accurate. The accounts below are reporting in error : XXXX XXXXXXXX Acct number : n/a Duplicate accounts, please remove.
XXXX XXXX Acct number : n/a Inaccurate payment history, Provide proof or remove immediately.
XXXX Acct number : XXXX See below XXXX XXXX XXXX XXXX. I do not want this account removed, I have 17 years payment history, I request that the account be updated correctly with payment history.
XXXX Acct number : XXXX See below Trans/XXXX reports accurate history Thank You for you time and assistance in this matter, XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX Attorney General 's Office CC : XXXX Please send me an updated copy with the removed items to my address above. I also request that you send notices of corrections to anyone who received my consumer report in the past six months. See below that other credit monitoring and consumer agencies are reporting data different from yours. Please update correctly.
XXXX Last reported XX/XX/XXXX {XXXX} Reported balance Highest balance {XXXX} You've paid off 57 % of this loan Checking for errors? Review your full report details. If you find any issues, we can help.
OVERVIEW Highest balance {XXXX} Monthly payment {XXXX} OpenedMar XXXX, XXXX ( XXXX yrs, XXXX mos ) Term300 months ( 25 years ) PAYMENT HISTORY You've made 100 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - XXXX XXXX XXXX This account was closed on XX/XX/XXXX Last reported XX/XX/XXXX {XXXX} Reported balance Highest balance {XXXX} Nice! You've paid off 100 % of this loan OVERVIEW Highest balance {XXXX} Monthly payment {XXXX} XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) Term51 months ( 4 years ) PAYMENT HISTORY You've made 100 % of payments on time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - Thank You for you time and assistance in this matter, XXXX XXXX XXXX
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Dear Consumer Financial Protection Bureau, I hope this letter finds you well! I am writing to file a complaint against TransUnion Credit Reporting Agency for their persistent failure to report my correct legal name, " XXXX XXXX, '' on my credit report. Additionally, despite my repeated disputes and requests for correction, TransUnion continues to report a second incorrect name, " XXXX XXXX, '' which has caused significant distress and financial hardships for both me and my family.
Having XXXX names on my credit report has led to several problems and complications that need to be addressed urgently : Identity Verification : When a person has multiple names listed on their credit report, it becomes challenging for lenders and financial institutions to verify the individual 's identity. This can raise concerns about potential fraud or identity theft, leading to delays or denials in credit applications.
XXXX XXXX : Inaccurate or inconsistent names can impact the assessment of an individual 's creditworthiness. Lenders rely on credit reports to evaluate an individual 's credit history and determine their risk level. Having different names can create confusion and XXXX result in an inaccurate assessment, potentially leading to unfavorable loan terms, higher interest rates, or even credit denial.
XXXX XXXX XXXX : Having multiple names on a credit report can complicate the tracking and monitoring of one 's credit history. It becomes challenging to accurately track credit accounts, payment history, and credit utilization when the information is associated with different names. This can result in errors, missing information, or discrepancies in credit reports.
XXXX XXXX XXXX : Inaccurate reporting of names can impact the calculation of credit scores. Credit scoring models use a range of factors, including name consistency, to assess creditworthiness. Inconsistencies in names can disrupt this process, potentially leading to an inaccurate XXXX XXXX calculation.
Dispute Resolution : When attempting to dispute inaccurate information on a credit report, having multiple names can make the process more complex and time-consuming. It may require additional effort to prove one 's identity and establish the correct name associated with the disputed accounts, which can delay the resolution of disputes and the correction of inaccurate information.
XXXX Opportunities : Inaccurate reporting of names can limit access to favorable financial opportunities and terms. It can hinder the ability to negotiate fair interest rates, obtain favorable loan terms, qualify for competitive credit card offers, or secure other financial opportunities that depend on accurate credit reporting.
Overall, having XXXX different names on my credit report has created confusion, affected my creditworthiness assessments, impeded personal identity verification, and limited my financial opportunities.
As you are aware, it is crucial to ensure accurate reporting of names to maintain a reliable and comprehensive credit profile. Similarly, credit reporting agencies have a legal obligation, as stated under Section 607 ( b ) of the Fair Credit Reporting Act ( FCRA ), to maintain reasonable procedures that ensure the maximum possible accuracy of the information contained in consumer reports. It is evident that TransUnion has violated this provision by inaccurately reporting my name, which is a fundamental aspect of one 's credit report and created confusion, affected my creditworthiness assessments, impeded personal identity verification, and limited my financial opportunities.
Furthermore, Section 611 ( a ) ( 1 ) ( A ) of the FCRA grants consumers the right to request an investigation of disputed information in their credit reports. In line with this provision, I have diligently disputed the incorrect names directly with TransUnion, providing substantial evidence to support my correct legal name. This evidence includes copies of my social security card, driver 's license, bank statements, insurance documents, and credit card statements. Despite this, TransUnion has failed to conduct a reasonable investigation into the accuracy of the disputed information, thus disregarding their obligation under Section 611 ( a ) ( 1 ) ( A ). I am attaching the same evidence to this complaint to ensure the relevancy and urgency of my concern.
Furthermore, Section 611 ( a ) ( 2 ) of the FCRA clearly states that the reporting agency must provide written notice of the results of the investigation within a specified period, 30 days, after receiving a dispute from the consumer. Regrettably, TransUnion has not fulfilled this requirement, leaving me uninformed of the progress or outcome of the investigation into the disputed information.
As mentioned above, the aforementioned violations of the FCRA have had severe consequences for me and my family. I only have XXXX name : XXXX XXXX. I do not have XXXX names as my driver 's license, social security card, and other documents submitted clearly show. The inaccurate reporting of my name on my credit report, which is a fundamental aspect of one 's credit report, has created confusion, affected my creditworthiness assessments, impeded personal identity verification, and limited my ability to access favorable financial opportunities and terms. It has hindered my capacity to negotiate fair interest rates, obtain favorable loan terms, and qualify for competitive credit card offers. As a result, I have been subjected to financial distress, and my family 's financial stability has been compromised.
I implore the Consumer Financial Protection Bureau to intervene in this matter and address the grave nature of TransUnion 's violations. TransUnion ought to report only my name and not any other names that are not mine. The provisions of Section 611 of the FCRA were established to safeguard consumers ' rights to dispute and rectify inaccuracies in their credit reports. By allowing TransUnion 's noncompliance to persist, the integrity of the credit information used by lenders, employers, and other entities for creditworthiness assessments is compromised.
Additionally, I would like to draw your attention to Section 616 of the FCRA, which addresses the consequences of willful noncompliance with the provisions of the act. TransUnion 's persistent failure to correct the inaccurate reporting of my name, despite evidence provided and repeated disputes, constitutes willful noncompliance. According to Section 616, willful noncompliance refers to a deliberate or intentional act of disregarding the FCRA 's provisions. TransUnion 's actions, or lack thereof, have clearly been intended to injure my interests, rights, and reputation.
Section 616 further establishes that those found guilty of willful noncompliance can be held liable for actual damages suffered by the affected individual. TransUnion 's willful noncompliance warrants appropriate remedies, including punitive damages, to serve as a deterrent for future noncompliance.
Considering the aforementioned violations and their profound impact on my well-being, I kindly request that the Consumer Financial Protection Bureau conducts a thorough investigation into TransUnion 's actions. I seek your intervention to rectify the inaccurate reporting of my name and ensure that TransUnion complies with the provisions of the FCRA. I also request your assistance in holding TransUnion accountable for their willful noncompliance and the damage incurred as a result.
Thank you for your attention to this matter. I trust in the Consumer Financial Protection Bureau 's commitment to protecting consumer rights and promoting fairness within the credit reporting system. I look forward to your prompt response and resolution of this complaint.
Sincerely, XXXX XXXX
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| 11/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Charged off accounts that are fraudulent transactions The OFFICE OF COMPTROLLER OF THE CURRENCY ( OCC ) And FEDERAL TRADE COMMISSION Were Contacted And Reports Were Generated For the Following Accounts Associated Which The Stated Banks/ Financial institutions.
1 ) XXXX XXXX XXXX In The Amount Of {$180.00} 2 ) XXXX XXXX XXXX XXXX In The Amount Of {$95.00} 3 ) XXXX XXXX XXXXXXXX In The Amount Of {$1100.00} 4 ) XXXX XXXX XXXX In The Amount Of {$610.00} In Addition There are a bunch Inquiries that need to be removed I DID NOT AUTHORIZE The doctrine of privity contract ( s ) is a common law principle which provides that a contract can not confer rights or impose obligations upon any person who is not a party to the contract. The premise is that only parties to contracts should be able to sue to enforce their rights or claim damages as such. Res Judicata : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON US ASSET MANAGEMENT INC. CONTRACT, FOR DETERMINATION 'UNCONSCIONABLE CONTRACT ' AND AGREEMENT FOR COMMERCIAL DISCHARGE, I am in receipt of and conditionally accept for value ( honor ) " Demand For Payment Of Debt '' It has come to my attention that as applied to the above matter, that there may not have been a true qualified 'meeting of the minds, ' that there may be fraud or misrepresentation on the contract and/or the contract itself may be an unconscionable contract, or other controversies that may exist within this contract/transaction.
As I want to resolve this matter as soon as possible, I am initiating this private-administrative remedy to determine such matters and I do not agree to make payment ( s ) predicated upon your claim.
This Equality of Opportunity is to let the lawful record of 15 USC 1992 ( a ) Abusive practices ( b ) Inadequacy of laws ( c ) Available non-abusive collection methods ( d ) Interstate commerce ( e ) Purposes, required by FEDERAL LAW.
Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. FDIC Law, Regulations, Related Acts.
https : //www.fdic.gov/regulations/laws/rules/8000-1250.html USC 1306 . The FTC 's Bureau of Consumer Protection Act ( s ).
This Equality of Opportunity is to let the lawful record of The Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), reflect that you are required by federal and state law to verify through the physical verification of the original signature of consumers contract any and all accounts you post on any of my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
XXXX. PROOF OF SIGNATURES AND STATUS AS HOLDER IN DUE COURSE.
I demand to see Verifiable Proof of my original Consumer Contract with my Signature on the instrument you have on file of the accounts listed. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account ( s ) listed below.
See Attached Instrument ( s ) Proof Of Claim Proof Of Delivery Rescind Debt, Discharge Debt In Accordance To HJR 192 Act of 1933.
IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz.
XXXX XXXX XXXX, XXXX XXXX, page XXXX, defines Banking. The business of banking, as defined by law and custom, consists in the issue of notes intended to circulate as money..And defines a Bankers Note as : A commercial instrument resembling a bank note in every particular except that it is given by a private banker or unincorporated banking institution.
A XXXX XXXX is a Financial Institution ; Unincorporated Banking Institution ; and Financial Agency pursuant to 31 U.S.C. 5312 and a XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acceptance Promissory Note under ( U.C.C. 2-304 ) that states, The price can be made payable in money or otherwise. IRS codes section 1.1001-1 ( 4657 ) C.C.H. states that Federal Reserve Notes ( Dollars ) are valueless. The only lawful money of the United States Of America are gold and silver coins with 1 oz XXXX pure gold or silver as per Articles VIII and X of the Constitution For the United States of America.
XXXX XXXX XXXX or lender promissory notes requiring legal money that is not true money such as : bank checks, cash, check, money orders, attorney checks, bank transfers, wire transfers, FEDERAL RESERVE PROMISSORY NOTE DOLLARS, cashier checks, and certified checks from a bank, attorney, or escrow company are illegal pursuant to Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ).
Contracts requiring legal money such as cash, check, money orders, bank transfers, wire transfers, and Federal Reserve Notes ( DOLLARS ) are illegal and unlawful by Title 31 U.S.C. 5118 ( d ) ( 2 ) ; 31 U.S.C.A. 463 ; and Public Law 97-258 ( XX/XX/XXXX ).
All debts today are discharged by promises to pay in the future. All Federal Reserve Notes, DOLLARS, are registered securities and promise to pay in the future. FRNs are secured by the utility of alive men 's energy or labor.
When quoting U.C.C. statutes, the courts require them to be quoted with State or Federal statute designation. U.C.C. codes are United Nations statutes, but are codified in every local jurisdiction. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX XXXX XXXX.
In accordance with 31 U.S.C. 5103 and 18 USC 8, such Note instruments are national bank currency and thereby coin or currency of the United States by statutory definition and can be issued by XXXX XXXX who are banking members of the XXXX XXXX XXXX XXXX XXXX XXXX and are THE EQUIVALENT OF MONEY as per 12 USC 1813 ( L ) and must be accepted by all banks and financial institutions as payoff, set off, discharge, and full settlement of all debts and loans.
Failure to remove this debt will result in legal action HJR 192 ACT OF 1933 PUBLIC LAW 73-10 31 U.S.C. 3123 - U.S. Code - Unannotated Title 31. Money and Finance 3123. Payment of obligations and interest on the public debt.
XXXX. Payment of obligations and interest on the public debt ( a ) The faith of the United States Government is pledged to pay, in legal tender, principal and interest on the obligations of the Government issued under this chapter.
( b ) The Secretary of the Treasury shall pay interest due or accrued on the public debt. As the Secretary considers expedient, the Secretary may pay in advance interest on the public debt by a period of not more than one year, with or without a rebate of interest on the coupons.
( c ) ( 1 ) The Secretary may issue a bond, note, or certificate of indebtedness authorized under this chapter whose principal and interest are payable in a foreign currency stated in the bond, note, or certificate. The Secretary may dispose of the bonds, notes, and certificates at a price that is at least par value without complying with section 3102 ( b ) ( d ) of this title.
( 2 ) In determining the dollar amount of bonds, notes, and certificates of indebtedness that may be issued under this chapter, the dollar equivalent of the amount of bonds, notes, and certificates payable in a foreign currency is determined by the par of the exchange value on the date of issue of the bonds, notes, or certificates as published by the Secretary under SECTION 5151 OF THIS TITLE.
( 3 ) The Secretary may designate depositaries in foreign countries in which any part of the proceeds of bonds, notes, or certificates of indebtedness payable in the foreign currency may be deposited.
( PUB. XXXX XXXX, XXXX XXXX, XXXX, XXXX STAT. XXXX. ) CITE AS : 31 USC 3123
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| 12/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Your company has violated the law thats Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Excludes from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. -Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experier es between the consumer and the person making the report.
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681 15 U.S. Code 1666 - Correction of billing errors ( a ) Written notice by obligor to creditor ; time for and contents of notice ; procedure upon receipt of notice by creditor If a creditor, within sixty days after having transmitted to an obligor a statement of the obligors account in connection with an extension of consumer credit, receives at the address disclosed under section 1637 ( b ) ( 10 ) of this title a written notice ( other than notice on a payment stub or other payment medium supplied by the creditor if the creditor so stipulates with the disclosure required under section 1637 ( a ) ( 7 ) of this title ) from the obligor in which the obligor ( 1 ) sets forth or otherwise enables the creditor to identify the name and account number ( if any ) of the obligor, ( 2 ) indicates the obligors belief that the statement contains a billing error and the amount of such billing error, and ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination.
After complying with the provisions of this subsection with respect to an alleged billing error, a creditor has no further responsibility under this section if the obligor continues to make substantially the same allegation with respect to such error.
( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.
( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.
( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.
( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.
( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.
( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.
( 7 ) Any other error described in regulations of the Bureau.
( c ) Action by creditor to collect amount or any part thereof regarded by obligor to be a billing error For the purposes of this section, action to collect the amount, or any part thereof, indicated by an obligor under paragraph ( 2 ) does not include the sending of statements of account, which may include finance charges on amounts in dispute, to the obligor following written notice from the obligor as specified under subsection ( a ), if ( 1 ) the obligors account is not restricted or closed because of the failure of the obligor to pay the amount indicated under paragraph ( 2 ) of subsection ( a ), and ( 2 ) the creditor indicates the payment of such amount is not required pending the creditors compliance with this section.
Nothing in this section shall be construed to prohibit any action by a creditor to collect any amount which has not been indicated by the obligor to contain a billing error.
( d ) Restricting or closing by creditor of account regarded by obligor to contain a billing error Pursuant to regulations of the Bureau, a creditor operating an open end consumer credit plan may not, prior to the sending of the written explanation or clarification required under paragraph ( B ) ( ii ), restrict or close an account with respect to which the obligor has indicated pursuant to subsection ( a ) that he believes such account to contain a billing error solely because of the obligors failure to pay the amount indicated to be in error. Nothing in this subsection shall be deemed to prohibit a creditor from applying against the credit limit on the obligors account the amount indicated to be in error.
( e ) Effect of noncompliance with requirements by creditor Any creditor who fails to comply with the requirements of this section or section 1666a of this title forfeits any right to collect from the obligor the amount indicated by the obligor under paragraph ( 2 ) of subsection ( a ) of this section, and any finance charges thereon, except that the amount required to be forfeited under this subsection may not exceed {$50.00}.
I have a few accounts reporting as late payments on, my credit report is illegal and should be corrected/deleted/ updated below, I included the laws that it should be looked at by CFPB to make sure that these companies have updated his and fix this error asap Account name : XXXX XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX XXXX XXXX Late payment date : XXXX
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| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/2001 RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX Account Number : XXXX Please remove it from my credit report.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!!
THANKS IN ADVANCE Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XX/XX/XXXX SSN : XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name______XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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IMPORTANT _ My legal name is XXXX XXXX XXXX My current and legal address is : XXXX XXXX XXXX, XXXX NJ XXXX My current Job is XXXX XXXX XXXX since XX/XX/XXXX up to now ( XXXX ) Request _ Any information different from these informations above is a violation of my right and should get a proper investigation and remove them to the LAW 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 1 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 2 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 5 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 6 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX XXXXXXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 7 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 8 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXXXXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 9 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 10 _ In accordance with the Fair Credit Reporting AcXXXX XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 11 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 12 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
|
| 07/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This complaint is being filed against Transunion, XXXX XXXX XXXX XXXX PA XXXX for violation In accordance with the FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY There are still many inaccuracies that remain on my consumer file. I sent 3 dispute letters to Transunion on XX/XX/XXXX, sent Certified Mail XXXX, Certified Mail XXXX, and Certified Mail XXXX. These letters were received on XX/XX/XXXX, and XX/XX/XXXX. The response received back from Transunion is that each of my disputes were Verified. I requested that a re-investigation be done on XX/XX/XXXX, because my credit file still contained errors, this was sent Certified Mail XXXX, and was received on XX/XX/XXXX. Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. They stated these accounts were Verified. Transunion never re-investigated. The third letter was sent to Transunion requesting Method of Verification. This letter was sent to Transunion on XX/XX/XXXX, which was received on XX/XX/XXXX. I received a letter from Transunion XXXX XXXX : XXXX dated XX/XX/XXXX, that my dispute appeared to be sent by a third party. I am not a credit repair agency, but as a consumer I have the right to dispute anything that I believe is reporting inaccurate on my consumer file. I sent supporting documentation such as copies of the inaccurate accounts still reporting on my consumer file. I attached a copy of my drivers license and social security as proof of my residence, and my identity. I believe that Transunion has violated my consumer rights and I am requesting that these items be removed from my consumer file.
According to FCRA I believe I did everything right and a ( a ) REINVESTIGATIONS OF DISPUTED INFORMATION ( 1 ) REINVESTIGATION REQUIRED ( A ) In general. Subject to subsection ( f ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
According to : ( 4 ) CONSIDERATION OF CONSUMER INFORMATION In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
At this time all supporting documentation was submitted along with proof of address and social security number was attached identifying me as the person disputing ( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
FCRA 611 ( 15 U.S.C. 1681 I ) PROCEDURE IN CASE OF DISPUTED ACCURACY were the violations found after disputing with Transunion.
These are the items that were found to be inaccurate, and these are the items I requested that Transunion have deleted from my consumer file.
XXXX XXXX XXXX Acct # XXXX Notice of Dispute Missing on credit file, this is a violation XXXX XXXX XXXX XXXX Acct $ XXXX The date of Last Active is inaccurate, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, also the date of last payment is inaccurate. Transunion has XX/XX/XXXX and XXXX has XX/XX/XXXX, this is a violation.
Finwise /OppLoans Acct # XXXX High credit limit is inaccurate, Transunion has XXXX, XXXX has {$0.00}, and XXXX has {$3400.00} this is a violation. The last payment for Transunion is XX/XX/XXXX, XXXX has XX/XX/XXXX and XX/XX/XXXX, also The date last active is inaccurate Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX. This is a violation.
XXXX XXXX Acct XXXX Transunion has the high credit XXXX, XXXX has XXXX and XXXX has {$600.00}. The credit limit for Transunion is XXXX XXXX has {$300.00} and XXXX has {$0.00}. Last reported for Transunion was XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, date last active for Transunion is XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, the date of last payment for Transunion is XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX this is a violation.
XXXX Loans Acct # XXXX The date last reported is inaccurate for Transunion is XX/XX/XXXX XXXX XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX XXXX Notice of Dispute is missing This is a violation.
XXXX XXXX Acct $ XXXX The date reported is inaccurate, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX. The date of last payment is inaccurate Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX XX/XX/XXXX, this is a violation.
XXXX XXXX XXXX Acct # XXXX The date last active is inaccurate, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX this is a violation.
XXXX XXXX XXXX # the amount listed on XXXX is {$620.00} and XXXX has the amount of {$620.00}, this is inaccurate, the date last active for Transunion is XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX this a violation.
XXXX XXXX XXXX Acct # XXXX The date last active for Transunion has XX/XX/XXXX which XXXX XXXX this account. The date last active for XXXX is XX/XX/XXXX and XXXX has XX/XX/XXXX this is a violation.
XXXX XXXX XXXX Acct # XXXX the date last active is inaccurate, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX this is violation XXXX XXXX XXXX Acct # XXXX The date last active for Transunion is XX/XX/XXXX and XXXX has XX/XX/XXXX, XXXX has XX/XX/XXXX this is a violation.
XXXX XXXX XXXX # XXXX The date last active is inaccurate Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX, the date last reported is inaccurate Transunion XXXX XX/XX/XXXX and XXXX has XX/XX/XXXX, this is a violation.
XXXX XXXX Acct # XXXX Transunion has high credit limit of XXXX, XXXX has XXXX and XXXX XXXX XXXX, Transunion has the past due XXXX XXXX has XXXX and XXXX has XXXX, the date last active Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, these are all inaccuracies on my credit file, this is a violation.
XXXX XXXX XXXX Acct # XXXXThe date last active for Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, the date last paid has three different dates, Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX this is inaccurate, and a violation.
XXXX XXXX Acct # XXXX high credit is inaccurate Transunion has {$620.00}, XXXX has {$0.00}, and XXXX has {$500.00}. credit limit is wrong Transunion has XXXX, XXXX has XXXX and XXXX has XXXX. The date last reported for Transunion has XX/XX/XXXX, XXXX has XX/XX/XXXX and XXXX has XX/XX/XXXX, this is inaccurate. This is a violation.
XXXX XXXX XXXX Acct # XXXXThe date last active has XX/XX/XXXX for Transunion, and XX/XX/XXXX for XXXX this is a violation.
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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My vehicle was repossessed and sold at an auction. I never received the statement letter regarding the vehicle being sold and the detailed breakdown of the cost. This credit sale agreement had gap insurance included, which should have paid off the remaining balance in full of the agreement. Despite the car being sold at an auction, XXXX XXXX XXXX XXXX reported a derogatory payment history with a balance and also, reported the same debt using a different account number. How is any information including the balance and derogatory reliable or accurate, if I didnt even receive any statement regarding how much the vehicle was sold for, or form 1099-C regarding the amount that was written off. By law, XXXX XXXX XXXX XXXX cant try to collect a debt theyve written off with the IRS and make me pay taxes on it, too. I was never provided a copy of the 1099-c showing the past due balance being reported on my credit report. At this point, the creditor can report any derogatory, false, inaccurate information without any valid proof or evidence.
I have disputed the completeness or accuracy of information reporting on a credit report with all three credit reporting agencies. XXXX XXXX XXXX XXXX is reporting the same debt using two different account numbers to the credit reporting agencies : XXXX, TransUnion and XXXX, one account listed as Charged Off from and the other account listed as Paid and Closed. There should not be two separate XXXX XXXX XXXX XXXX accounts being reported on my credit report. The same debt is being reported twice, illegally. Both of the XXXX XXXX XXXX XXXX accounts are inaccurate and misleading, in which they inaccurately reflect an increasing monthly balance owed after writing off the balance. The account types for the accounts are being listed as an auto loan when this alleged agreement governed by the law is a credit sale. Me and XXXX XXXX XXXX XXXX do not have an actual loan agreement. I have not been provided any proof of documents or evidence that the XXXX XXXX XXXX XXXX accounts are an actually an auto loan. You are irresponsibly and intentionally reporting inaccurate and false information.
In pursuant to the investigation, despite receiving all the evidence and proof, XXXX XXXX XXXX XXXX violated the FCRA by failing to properly investigate the dispute, review all relevant information received from the credit reporting agencies and failed to determine and identify the information previously provided to the credit reporting agencies was inaccurate and failed to direct the credit reporting agencies to remove the University XXXX XXXX XXXX accounts. Despite multiple disputes and complaints, the credit reporting agencies continue to act in manner in which high probable harm continues to follow. As of today, my credit report continues to reflect two XXXX XXXX XXXX XXXX accounts.
Per USC 1681s-2 ( b ) ( 1 ) E, the furnisher, XXXX XXXX XXXX XXXX XXXX must also modify, delete or permanently block the subject inaccurate information from the its future reporting to the credit reporting agencies. After being informed of my disputes, XXXX XXXX XXXX XXXX negligently and willfully failed to conduct a proper investigation of the dispute, in violation of the FCRA, 15 U.S.C 1681s-2 ( b ).
Had XXXX XXXX XXXX XXXX performed an investigation with respect to the multiple inaccuracy and discrepancy entries, their results would have found over 5 discrepancy notations as incomplete or inaccurate. Upon completion of a reasonable reinvestigation, XXXX XXXX XXXX XXXX should have removed both accounts through their internal database files to coincide with the account and information listed being unverifiable and inaccurate. With respect to the multiple inaccuracies and inconsistent across all credit reporting agencies, XXXX XXXX XXXX XXXX has determined to follow procedures which did not thoroughly investigate, review, or verify whether they could report this alleged charged off account as accurate without inserting the materially misleading balance owed entry, payment history category, and account type.
With regard to the credit reporting agencies : XXXX, TransUnion and XXXX, my consumer reports that they prepared, compiled, issued, assembled, transferred, published and otherwise reproduced contained information about me that was false, misleading and accurate.
The credit reporting agencies negligently and willfully failed to maintain and/or follow reasonable procedures to ensure the maximum possible accuracy of my consumer reports, in violation of section 1681e ( b ) of the FCRA, and failed to conduct a reasonable reinvestigation into my consumer disputes as required by section 1681i of the FCRA. 15 U.S.C 1681 ( a ) ( 1 ) ( A ). To establish liability under this subsection, I have established that the credit reporting agencies had a duty to reinvestigate, and that it would have discovered multiple discrepancies had it undertaken a reasonable investigation. This is a clear indication that the credit reporting agencies acted knowingly, intentionally, or recklessly in disregarding the FCRA.
Per 1681s-2 ( b ), I have a private right of action against furnishers that fail to conduct a reasonable investigation of disputes.
A Failure to Maintain Reasonable Procedures to Assure Maximum Possible Accuracy Violates 1681e ( b ) In addition to the inaccuracies, I am seeking monetary relief due the credit reporting agency failing to follow reasonable procedures to ensure maximum possible accuracy of the information contained in my credit report and failing to follow and conduct reasonable procedures caused actual damages to me.
Relief under 1681e ( b ) for negligence, Failure to Conduct a Reasonable Reinvestigation Violates 1681i Relief under 1681i is warranted for my credit report containing inaccurate or incomplete information, the credit reporting agencies were notified of the alleged inaccuracies and discrepancies, credit reporting agencies failing to respond or conduct a reasonable reinvestigation of the disputed items and sustaining damages caused by the credit reporting agencies.
Multiple disputes and complaints to the credit reporting agencies regarding the erroneous accounts refused to make the correction as it reflected reasonable factual basis for the credit reporting agencies to have been on notice of a need to go beyond the XXXX system as to this dispute.
Failure to fully disclose to consumer of information reporting in their credit files violates 1681g Section 1681g ( a ) ( 1 ), in part, states that upon request, a CRA shall disclose [ a ] ll information in the consumers file at the time of the request ( 15 U.S.C 1681g ( a ) ( 1 ). Federal courts and FTC have limited the scope of the term file to material included in a consumer report that would be sent to a third party produced by the XXXX XXXX XXXX.
During the course of multiple disputes and complaints, XXXX XXXX XXXX XXXX, has updated balance and payment history without proof or evidence of the alleged information thats being updated. Therefore, with regards to XXXX XXXX XXXX XXXX and the credit reporting agencies investigation is therefore, baseless, circular, internally inconsistent and unreliable. The accounts and information being reported is technically inaccurate and not even accurate on its face. The accounts have not been removed from my credit report causing pain and suffering in several adverse credit actions, including damaging my ability to obtain a home loan, denial of increase in credit limits, suffering emotional distress, etc.
If a creditor reports, then it must be accurate. The charged off date inconsistently changed numerous times. This error was negatively impacting my credit report longer than it should due the intentional neglect.
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| 10/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
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. {$7400.00} Pay off to XXXX XXXX Cost of pay off to XXXX XXXX ( 18 % interest ) XXXX XXXX payments made after Re-Affirmation XXXX Cost of Re-Affirmation {$20000.00} **********This is the number Actually paid by me for the Re-Affirmation of a Debt that XXXX XXXX was not Reaffirmed and was included in XXXX. ********* Today XX/XX/XXXX after receiving an email from XXXX that the dispute I filed on their website was complete and my credit profile had been updated, it has no change only worded differently but still reports the same with the same excuse ( none ) listed. I placed a call to XXXX financial to inquire why they refuse to report it correctly and to request documentation supporting their claim of the debt being included in the XXXX. The attachments show that there lies have no end and how they have evaded the system. they claim to update the information but really only move words around. this complaint should be given to the credit bureaus as well as they require us to be judged by there rating yet do not do thorough investigations into disputes. it simply a check in the box for them and the consumer gets the short end of the tick. they place me in an impossible spot After confirming my personal information and the account that I was referring to, the representative, without even asking the reason for my call, told me that the vehicle was reported accurately as part of a XXXX and that it would stay that way for 5 to 7 years. I informed her this was incorrect and asked why I was charged {$2500.00} to reaffirm the debt if it was included in the bankruptcy. She told me no reaffirmation had been filed. I informed her that I had that I had paid the fee to XXXX to reaffirm the debt and asked if she was telling me my lawyer who handled my XXXX is at fault? She told me that wasn't what she was saying as she then changed her statement to, it wasn't returned in a timely manner. When I asked again where the {$2500.00} that I paid to reaffirm the debt was, if that was true. She told me it was considered a voluntary payment for a debt that I was no longer responsible for. This is incorrect as if it were true and I was no longer responsible for the debt XXXX should have sent the money back. This as well hold true for the {$420.00} a month i was still paying XXXX for the truck from XX/XX/XXXXXXXX until XX/XX/XXXXXXXX as i had reaffirmed the debt as it was my only form of transportation at the time. This {$2900.00} they took every month as a voluntary repayment of a debt i wasn't responsible for. 100 % lies I asked in XXXX when I traded in that vehicle and the loan was paid in full with a check sent by the dealership that represented money that was added on to the new loan for the new vehicle I was buying, making that my money that was sent to XXXX essentially out of my pocket as i had to pay the new finance company for that money also that The money that paid the loan off being another loan had interest on it in addition to the finance charges XXXX had already put on the original debt. It actually has a higher rate of interest because of how XXXX reported the vehicle account. ( under the XXXX and listed separately making 2 derogatory remarks on my profile. She told me this as well as a voluntary payment of {$7400.00} on a debt I was not responsible for. She told me they did me a favor by releasing the vehicle and I informed her this was incorrect because the vehicle wasn't worth what I owed so I had to pay even more to pay it off because it was not included in the b At this point that's {$12000.00} XXXX says out of the kindness of my heart, obviously coming out of financial hardship hence the bankruptcy that I voluntarily gave to them all of this money for a debt they claim i wasn't responsible for. I expressed how that made no sense whatsoever and asked why she thought I would do such a thing. I told her in actuality she had stolen the money from me, reported it incorrectly and then took the insurance money paid by the government for the bankruptcy and which they were not entitled to. they double-dipped and received that money twice. **************************************** {$20000.00} ******************************** As listed below the minimum simplest amount of money XXXX has Stolen from me as interest and other hardships should be added to this total over the years due to there scam and theft and the affect it has had on my finances as well as my life but i do not know exactly how to compute all of those factors. *****Note : this is only Money XXXX claims i wasn't responsible for but collected anyway. The previous portions of the loan was paid as well with there high interest. This plus whatever money received by the Bankruptcy insurance there is no telling how much XXXX XXXX collected off of this one loan. They XXXX XXXX XXXX {$7400.00} Pay off to XXXX XXXX Cost of pay off to XXXX XXXX ( interest ) XXXX XXXX payments made after Re-Affirmation XXXX Cost of Re-Affirmation {$20000.00} {$2500.00} cash for reaffirmation in XXXX XXXX After the debt was reaffirmed XXXX XXXX/mo from XXXX XXXX until XX/XX/XXXXXXXX $ XXXX monthly payment X 7 months {$2900.00} paid in monthly payments since the re-affirmation {$7400.00} remaining balance paid in XX/XX/XXXX by the dealership, that i had to finance in with my new loan at XXXX XXXX through XXXX XXXX for 6 years. {$7400.00} XXXX pay off added to new loan XXXX XXXX apr {$1300.00} interest charge/year X 6 years {$7900.00} Total finance charges for funds loaned to me to pay off to XXXX i have disputed this through all three of the credit bureaus and have had a hard time getting the complaint on here to not be rejected due to my own errors. All three Bureaus claim to have done and investigation but all three have came back saying it was correctly reported as the normally do. this is because they d not actually investigate the issue, they send out an auto generated notice to the creditor which also does not pay it any mind because when it is sent back the bureaus do not bother to even check the information. The companies are able to manipulate the system this way and it obvious because had any of the Bureaus actually looked at the responses they usually are blatantly incorrect or missing pertaintant information. they just forward it through and claim it to be verified. Then you do a re investigation which i have done and the creditor will send a notice the information has been updated but they just re word some things and the actual status doesn't change. so then you have to do it again and it just goes round and around with no resolution.
In just this one particular instance as i will send the dispute results, the dates do not even match that which they claim they should to have been included or even reported correctly. you will also see there " updated Info '' as they change a co buyer sentence that is all.
As it is if you stay on it constantly, eventually they will just remove it from your report so you can not dispute it but the first time you go to buy something itll pop back up and itll be like they never talked to you.
On a specific complaint against Transunion, XXXX, and XXXX themselves, it makes it incredibly hard to actually make progress when these are the ones to judge our credit worthiness yet they do not do there due diligence. How can we be made to go by a standard that is not enforced on the consumers side of the coin. My Credit is the most XXXX XXXX i could ever imagine and not because i have debt because i don't just from everything being wrong and unable to fix it.
XXXX has the absolute reputation for a lender i have ever heard of, literally i do not know one good experience i have ever heard of from them yet they are held to no accountability as such do not care
|
| 03/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In Accordance with the Fair Credit Reporting Act XXXX XXXX Acct # XXXX, has violated my rights.
15 U.S.C 1681 section 604 A. Section 2 : states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666b A Creditor MAY NOT treat a payment on a credit account under an open end consumer credit plan as late for any reason.
Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. On XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements.
Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation.
The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system.
Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy.
The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.
Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.
The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current " ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended.
rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.
The CFPBs website, www.consumerfinance.gov/learnmore, has more information about the FCRA, including publications for business and the full text of the FCRA.
Citations for FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. :
|
| 04/02/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I filed a complaint with TransUnion prior to XX/XX/XXXX regarding the unauthorized access to my credit report by their client, XXXX who used " XXXX '' and XXXX XXXX XXXX -- -the names that appear on my Transunion report to pull my credit report without authorization. These " hard '' inquiries and actually NO inquiries were approved or submitted by me and I demand that they be removed. Transunion sent a response that was ambiguous and revealed that the did not even read the complaint by cfpb.
TRANSUNION must remove the inquiries on my credit bureau report as they were not made by me.
Here are the details : Re : Complaint for XXXX, XXXX and XXXX XX/XX/XXXX Resolution : Formal national and state investigation into the credit practices of XXXX and data protections Dear Sir or Madam, I have spent no less than 12 hours on attempting to get to the bottom of how XXXX submitted an unauthorized application for credit in my name. I have been met with nothing but opposition and astonishment that a company of this size and scope has so many flagrant flaws and minimal protections for the consumer. I believe that my experience is not unique and request a full and immediate investigation.
Overview : I did not apply for credit from XXXX -- XXXX or XXXX and completed an affidavit to attest to this. I did not attempt to purchase any car in XX/XX/XXXX at the XXXX located at XXXX XXXX XXXX XXXX, MD nor give authorization for my credit to be accessed. I have not looked at any XXXX XXXX or applied for any credit from this company. I found that 5 or more companies had my private information and made credit inquiries on behalf of XXXX. The companies, including XXXX, XXXX, XXXX XXXX XXXX, XXXX and others state that they were forwarded the info directly from XXXX.
Statements of Fact 1. I believe that it is part of XXXX 's unethical business practices to NOT securely validate persons that walk into the dealership. Perhaps an overzealous, inexperienced salesperson who is pressured to have activity or a credit agent -- I am unsure ... but what I am sure of is that I did not on person or online authorize any such activity. a. It is ironic that in speaking to the sale Manager XXXX XXXX at XXXX XXXX in XXXX -- he could not find my name in the system and found nothing at the store level indicating that my name or my presence in the store. I spoke with him on XX/XX/XXXX. 2. I have asked the credit department both onsite and offsite the following -- -WHAT signatures they have so that it can be compared to mine, what picture ID and other documents. are available to which they have said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they stated that no such policies exist and that they are not required to provide info. 3. I was told that a police report is NOT necessaryand did complete an affidavit. As a consumer why do I need to waste hours of my time and resources to prove that I contest the application? The system is so very flawed. Both XXXX at XXXX and the manager indicated that it was unnecessary but would help? HOW? At the inquiry as to how they received my info I was instructed to complete an affidavit which I submitted all documentation and the affidavit ; they still refuse to admit that they fraudulently obtained my info or allowed someone else to. The Auto Department and specifically credit maintenance -- is not responsive, inept and rude ... they do not give last names but I have talked to XXXX and XXXX XXXX -- - the director is XXXX XXXX ( never available ) -- - then told XXXX XXXX is the manager of the credit department. This is confusing but reportedly after speaking with XXXX XXXX -- he is the manager and the application was done online and not in the store. There is no clear way of identifying that the person applying is a " real person '' -- no one knows. There is no request for a copy of a driver 's license online, employment or address verification -- -obviously this is putting all Americans at risk. Their competitors go additional steps ... after checking with XXXX as part of doing due diligence. Online applications only requiring -- Name, social, dob, address, place for employment for any inquiry ... The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX fax XXXX. 2. The actual store that help facilitate this fraud is : XXXX XXXX XXXX XXXX in XXXX, MD phone XXXX fax XXXX XXXX XXXX I have contacted the general manager XXXX XXXX on numerous occasions -- no less than a dozen and to his credit he has contacted me approx 3 times but when I call back no answer. Others in the onsite credit dept have been condescending and nonchalant. I did reach a very nice XXXX XXXX ( referenced above ) who connected me back to a manager ( XXXX ) in credit. However, they have a flawed system of response even in the local store as this has been going on for over a months. 3. I believe that XXXX does not have the proper security and protections in place to prevent persons from fraudulently attempting to obtain credit at this facility. This is evidenced by the fact that I was TOTALLY unaware of any credit report or identification of any car with this company and now over 5 loan companies were sent my information and have inquiries on my account. I never LOOKED at any XXXX XXXX and only had one episode ( unknown date ) of being on that location 's premise or website. I have for the last 15 years only driven XXXX XXXX and this is not anything that i would entertain as an option. It is unfair to the consumer to have to repeatedly reach out to the offending company, to be belittled, put on hold at best and be spoken to in tones that are horrific and demeaning by persons who work for the company. They do not return calls, have no real consumer protections in place and no methodical approach to answering questions except for -- '' We said so and that's it. '' I have asked for the legal department -- -1. They don't take calls from consumers '' ... I have asked for the investigator and 2. " They don't take calls from consumers and I have simply asked for manager who are mysteriously never available -- -and there is no assistant manager.
Resolution : 1. I request a full investigation of TransUnion 's use of the client 's XXXX XXXX practices, their privacy policies and safeguards to protect the citizens of Maryland and the United States by a federal and state agency. I request a written report of both the findings, the federal and state laws that may have been violated. In the event that there are no violations ; I request recommendations on the privacy that should be put in place and how your departments and agencies would protect consumers.
2. I request specific review of my complaint and removal of ALL inquiries generated by this unethical company by TRANSUION.
3.. I request that the practices and policies of XXXX be published and the findings of this investigation into their practices be made available to the public. In closing, I have a XXXX year old mother -- - I just wonder how many persons are at risk. If a person can sit on a computer and repeatedly attempt to apply for credit with no validation points or methods. At some point they may get lucky and then take the next step with completing a purchase -- -in the case of XXXX XXXX is only with approval do they require valid personal identification like a simple photo id. There concern is that if they give the car to the person that it is them -- -well the person could fraudulently reproduce Ids, etcafter they get the approval. There should be protection from the beginning. This is bigger than my issue -- -it is a matter of consumer protection across the board.
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| 11/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, a dereliction of duty, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Reporting Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Miscellaneous Department andVariety Stores XX/XX/XXXXXXXX XXXX Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud or unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion, XXXX, and XXXX are consumer reporting agencies and I am the Consumers Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, producing an effect that prevents access to my estates extensions of credit as the beneficiary, denied rights of action, chose-in-action, a conflict of interest against equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Title 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right to opt-out, my beneficiary interest rights, and my financial privacy rights, NOW so mote it be ; I am opting out of your reporting services regarding ANY adverse reporting of choses-in-action in a conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; Prayer for Equitable relief for breach of trust, breach of Fiduciary duty with the removal or correction ( whichever produces the be the best equitable outcome on behalf of the beneficiary ) of all adverse reporting without notice, permission, instruction, or consent in a conflict of interest, and administrative enforcement is sought as outlined under Title 15 U.S.C. 1681s with a statutory penalty of {$1000.00} per reporting violation without permission/consent pursuant to the Fair Credit Reporting Act after repeat notices regarding the matter of, depriving, and conspiring against rights as a fiduciary, knowingly reporting and allowing the reports to be used and obtained without a permissible purpose in willful noncompliance ( Title 15 U.S.C. 1681n ) I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
XXXX XXXX : XXXX, Living Soul XXXX Beneficiary Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) Date:XXXX
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| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!!
THANKS IN ADVANCE Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Name XXXX XXXX Date XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX D.O.B XXXX SSN : XXXX Transunion XXXX XXXX XXXX XXXX, XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Account Name______XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE ARE INQUIRIES THAT I DID NOT AUTHORIZE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE XXXX FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
XXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XX/XX/2023, I ( the consumer & original creditor ) contacted XXXX XXXX Department in an attempt to remove fifteen ( XXXX ) hard credit inquiries found within my consumer credit report. After XXXX failed attempts ( XXXX calls and XXXX denials to remove the inquiries ), I was finally successful at reaching an honorable personnel of the XXXX XXXX Department considerate enough to assist in the interest of removing such accounts. The personnel attempted to verify various records held within their system pertaining to whatever verifiable information stored within their records ( information that should have been known by myself ) and none of the information recorded- except for XXXX record, could I personally verify as correct. After further review, suspicious activity was therefore declared and all XXXX hard inquiry accounts removed. ( See attachment labeled XXXX for referenced account inquiry details ) XX/XX/2023, I ( the consumer & original creditor ) contacted TransUnion XXXX Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing the TransUnion credit report of which disclosed XXXX ( XXXX ) hard credit inquiries ; I came to the conclusion that not all of the accounts shared via XXXX 's credit report were the same as with TransUnion 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to contact the corporations listed to have them remove the accounts themselves. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( XXXX ). ( See attachment labeled TransUnion for referenced account inquiry details ) XX/XX/2023, I ( the consumer ) contacted XXXX XXXX Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing my XXXX consumer credit report of which disclosed XXXX ( XXXX ) hard inquiry accounts. I came to the conclusion that the accounts shared via XXXX 's credit report & TransUnions credit report were not the same as with XXXX 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to file a complaint with the FTC and deliver a record of such complaint to XXXX XXXX Department before a correction can be made. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( XXXX ). ( See attachment labeled XXXX for referenced account inquiry details ) Please allow the record to reflect that : I am aware as per Title XXXX XXXX XXXX ( a ), Title XXXX XXXX XXXX ( a ) ( XXXX ), Title XXXX XXXX XXXX ( p ), Title XXXX XXXX XXXX ( g ) and Title XXXX XXXX XXXX ( a ) ( XXXX ) that I am the creditor ( the XXXX issuing the credit, a natural person ) and the consumer and as the consumer I have a right to privacy ( be it of my private information i.e. : SSN, Address, Name and etc ) and the use of such social security card ( credit card ) without consent is unauthorized use thus constituting identity theft and XXXX declared that consumer reporting agencies have a grave responsibility to insure fairness, impartiality and respect for the consumers right to privacy.
I am aware that Title XXXX XXXX XXXX ( q ) ( XXXX ) & XXXX XXXX XXXX XXXX XXXX states that identity theft is a fraud committed or attempted, using the identifying information of another person without authority - and since no authority was given nor can be brought forwards or proven then the hard inquiry accounts were made via identity theft and such access granted is a violation of my privacy.
I am aware that Title XXXX XXXX XXXX ( b ) & Title XXXX XXXX XXXX ( XXXX ) ( XXXX ) states that XXXX has declared as requirement that consumer reporting agencies take reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy and proper utilization of such information and that " Each credit reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. '' ( Meaning that all agencies shall reflect the same record ) I am also aware that XXXX XXXX XXXX XXXX ( c ) ( f ) states that " If a consumer reporting agency is notified pursuant to section XXXX ( XXXX ) ( a ) ( XXXX ) of this title that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.
I am also aware that Title XXXX XXXX XXXX ( a ) ( XXXX ) states that subject to subsection ( c ) ( Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ) any consumer reporting agency XXXX furnish a consumer report under the following circumstances and NO other : and shall be in accordance with the written instructions of the consumer to whom it relates.
I am also aware that XXXX XXXX XXXX XXXX ( XXXX ) ( a ) ( XXXX ) states the duty to provide notice of dispute - If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person XXXX not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
I am also aware that XXXX XXXX XXXX XXXX ( q ) states that Any person which includes a consumer reporting agency who willfully and knowingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under XXXX XXXX.
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to formally dispute and request an investigation into multiple violations of relevant laws and regulations, including the Fair Credit Reporting Act ( FCRA ) and potentially the Fair Debt Collection Practices Act ( FDCPA ). The violations detailed below have caused significant distress in my life, affecting my financial well-being and overall peace of mind.
Unauthorized Inquiries : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Unauthorized Inquiries : Creditor : XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Incorrect Personal Information : Incorrect Also Known As Name : XXXX XXXX XXXX XXXX XXXX XXXX Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Incorrect Personal Information : Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : Reporting incorrect personal information.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 Unauthorized Inquiries : Creditor : XXXX XXXX XXXX Date of Unauthorized Inquiry : XX/XX/XXXX Violation : Unauthorized inquiry without proper authorization.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 604, 605 Inaccurate Account Information and Violations : Creditor : XXXX XXXX XXXX Account Number : XXXX Violations : Litigation involvement, incorrect high balance, inaccurate date of last activity, reaged accounts, reinsertion without proper notice, undated late payment, charge off listed as open, collection account with a limit.
Relevant Law : Fair Credit Reporting Act ( FCRA ) Potential Section : FCRA Section 623 The inaccuracies and unauthorized inquiries detailed above have caused immense distress in my life. Not only have these violations affected my financial well-being and creditworthiness, but they have also taken an emotional toll. As someone who has worked diligently to build a stable financial foundation, the continuous setbacks caused by these violations have been deeply disheartening.
In light of the violations highlighted, I kindly request the immediate removal of these unverified accounts from my credit report. I urge you to enforce the legal protections outlined by the Fair Credit Reporting Act to ensure fair and accurate reporting of credit information.
Thank you for your attention to this matter. I am hopeful that your intervention will help rectify these violations and restore my financial peace of mind.
Sincerely, XXXX XXXX XXXX
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| 12/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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These charge-offs are considered a certificate of indebtedness and are considered income therefore they must be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
12 CFR 1022.3 Definitions. Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Anything added to your report without your written consent could be considered Identity theft.15 U.S. Code 1681c2 - Block of information resulting from identity theft. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
15 U.S. Code 1681e - Compliance procedures. ( a ) Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance. In general.Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure.Negligent noncompliance means the law was violated not on purpose but just due to a lack of knowledge on the required reporting procedures.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors.A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. Once you notify the consumer agencies that there is inaccurate information they must immediately stop reporting that information until they can prove that it is valid.
15 U.S. Code 6805 - Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. Again they need prior written instruction of the individual to whom it relates. Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and
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| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX Dear Consumer Financial Protection Bureau , I hope this letter finds you well. I am writing to formally dispute a series of credit reporting violations that have caused severe financial distress and emotional strain in my life. I am seeking your assistance in enforcing relevant laws to rectify these violations and restore the integrity of my credit report. The violations, along with their associated account details, and the specific laws they violate, are outlined as follows : XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the inaccurate reporting is adversely affecting my credit. I urge you to update this account and promptly delete the incorrect information.
XXXX XXXX : Account Number : XXXX Violation : Questionable Account Information Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please remove this account from my credit report. The name and number associated with this account are questionable. Clarify the information or remove this account immediately from my report.
XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal.
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is significantly damaging my credit. I urge you to update and rectify this account 's information.
XXXX : Account Number : XXXX Violation : Questionable Account Information Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please remove this account from my credit report. The account 's name and number are questionable. Provide clarification or remove it immediately.
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the inaccurate reporting is having a detrimental impact on my credit. I urge you to rectify this situation promptly.
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is negatively affecting my credit. I implore you to address this promptly.
XXXX XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal.
XXXX XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal.
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is damaging my credit. I urge you to rectify this promptly.
Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is negatively affecting my credit. I implore you to address this promptly.
XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal.
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is adversely affecting my credit. I urge you to rectify this promptly.
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is having a detrimental impact on my credit. I implore you to address this promptly.
Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please correct/update this inaccurate information on my credit report. This account has never been paid late, and the incorrect reporting is negatively affecting my credit. I urge you to rectify this promptly.
XXXX | XX/XX/XXXX : Violation : Unauthorized Credit Pull Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 604 and 605 Request : Please remove this unauthorized credit pull from my credit report. I have no recollection of authorizing this credit pull and demand its removal.
XXXX : Account Number : XXXX Violation : Inaccurate Reporting Relevant Law : Fair Credit Reporting Act ( FCRA ), Sections 611 and 623 Request : Please remove this account from my credit report. I can not recognize this business and kindly request an investigation to verify its authenticity. Please delete this account from my credit report.
XXXX XXXX XXXX AZ XXXX : Account Number : Address Violation : Incorrect Personal Information Relevant Law : Fair Credit Reporting Act ( FCRA ), Section 607 Request : The following personal information is incorrect. This address is not correct. I request that it be immediately deleted from my credit report.
These violations have had a devastating impact on my financial stability and overall well-being. I would like to share a deeply personal story that illustrates how these violations have affected my life.
In light of the aforementioned violations, I earnestly request the following actions : Enforcement of Legal Measures : Please take the necessary steps to enforce the relevant legal provisions to rectify the violations committed by the listed creditors.
Investigation and Verification : I kindly request a thorough investigation into the accuracy and legality of the information reported by the creditors in question.
Removal of Unverified Accounts : I insist that the creditors promptly remove the unverified accounts listed above from my credit report.
I firmly believe that addressing these violations is crucial to restoring my financial stability and peace of mind. I rely on the Consumer Financial Protection Bureau to ensure that justice is served and my rights as a consumer are upheld.
Thank you for your attention to this matter. I look forward to your response and the resolution of these issues.
Sincerely, XXXX XXXX XXXX
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| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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As per 15 U.S. Code 1681 - Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Thus there is a need for CRAs to protect the consumer 's right to privacy.
As per 15 U.S. Code 1681a - Definitions ; rules of construction The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
The term consumer means an individual.
The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ( 2 ) Exclusions ( A ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Thus, reporting Transaction history is illegal. Transunion, XXXX, and XXXX continue to violate my federally protected rights under both codes mentioned above by continuing to report the transaction history of the following accounts listed under my name XXXX XXXX XXXX : Account Name : XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Account Name : DeptED/XXXX ( all accounts under this account name ) Account Name : XXXX TransUnion, XXXX, and XXXX continue to violate my rights, as to these accounts , under 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
They need your written consent to add anything to your consumer report if you did not give this authorization that is a violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) Additionally, under 15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title. Based on the above, The following accounts remain inconsistent across all XXXX credit reporting agencies : XXXX is willfully negligent in continuing to report 2 addresses that I have already listed as the result of identity theft ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ; and XXXXXXXX XXXX XXXX XXXX XXXX NY XXXX XXXX. As I am entitled to an accurate credit report among all 3 credit bureaus. Thus, XXXX must delete these addresses immediately.
~As I am entitled to an accurate credit report across all 3 credit bureaus, the following accounts must be deleted as they are inaccurate : Account Name : XXXX Account Name : XXXX XXXX XXXX/Original Creditor : XXXX XXXX XXXX Account Name XXXX XXXX Account Name : XXXX Account Name : DEPT OF ED/XXXX ( all accounts under this account name ) Under the Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Again they need prior written instruction of the individual to whom it relates.
Section 3711 ( e ) of title 31 States ( 1 ) When trying to collect a claim of the Government under a law except the Internal Revenue Code of 1986 ( 26 U.S.C. 1 et seq. ), the head of an executive, judicial, or legislative agency shall disclose to a consumer reporting agency information from a system of records that a person is responsible for a claim if ( E ) the head of the agency has established procedures to ( iii ) get satisfactory assurances from each consumer reporting agency that the agency is complying with all laws of the United States related to providing consumer credit information ; and Either way all 3 credit bureaus have violated not only the Fair Credit Reporting Act but also the Privacy Act of 1974 Under 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' Thus, I am opting out of XXXX, XXXX, and TransUnion 's reporting services and revoke any and all written, verbal, implied, and/or all other forms of consent that all 3 CRAs may believe that I have given as it relates to reporting my address or any other assumed addresses all 3 CRAs may believe I have been or am associated with. I also opt out of all 3 CRAs reporting of all TRANSACTIONS or EXPERIENCES between the consumer and all data furnishers and/or persons making the report. I also opt
|
| 05/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Older American |
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XXXX XXXX XXXX : My mother, the sole debtor, passed away. XXXX XXXX XXXX : I phoned her creditors to notify them of her death. My initial contact with XXXX XXXX was with XXXX , who then forwarded the call to XXXX XXXX . I was instructed by XXXX XXXX to send a copy of my mothers death certificate. XXXX XXXX XXXX : I mailed a letter with the death certificate enclosed to the XXXX , NY address instructed by XXXX XXXX . Included in the letter was my declaration that my mother did not leave a Will, had no assets solely in her name, and an Estate would not be opened. I also stated she did not have a co-signer, and by law, her survivors, including myself, are not legally obligated to pay her debt. XXXX XXXX XXXX : XXXX XXXX addressed a letter to my mother, requesting payment. Similar notices had been received from other creditors, which I was told to ignore. I assumed, as with other creditors, their records had not been updated. Therefore, I ignored the letter. Note : According to the last statement received, the balance was {$2500.00}. The closing date was XXXX , one we ek prior to my mothers death. However, the amount shown on the letter dated XXXX XXXX was {$3900.00}, a difference of {$1400.00}. My mother did not leave the house during her final week alive. I find such a substantial increase very suspect. However, since the debt would be discharged, I didnt consider it an issue worth fighting. Unknown Date in XXXX XXXX : Someone in the employ of XXXX XXXX , submitted an adverse credit report, in the form of a credit card charge-off, in my name. I have no idea how they obtained my SS #. I have never applied for credit with their company. Nor have I received notification of credit established with their company, a statement of charges, or demand for payment. Their negative action was done without my knowledge, and without notification of their intent to damage my credit. Moreover, they failed to make even one de mand for payment, from myself, or any of my mothers survivors. All statements and letters requesting payment were addressed exclusively to my mother. In my letter dated XXXX XXXX XXXX , I explicitly stated the debt would not be paid by myself or other survivors. Having also handled my late fathers affairs following his death, I am well-aware of the unscrupulous tactics used by some companies to try to intimidate survivors to pay the debts of their loved ones. For this reason, I felt it was necessary to inform her creditors that payment would not be made. Regardless, having no arrangement between XXXX XXXX and myself, their adverse actions against my credit is a flagrant violation of Federal law. XXXX XXXX XXXX : XXXX XXXX addressed a letter to the Estate of, c/o Next of Kin. The letter was a demand for payment for the balance on the account ; which, as previously stated, was substantially higher than the balance on the last statement. A Notarized Proof of Claim, filed on the same date, was also enclosed. Both the letter and Notarized Proof of Claim were signed by XXXX XXXX , a XXXX XXXX representative. XXXX XXXX XXXX : While finalizing all pending issues related to my mothers affairs, I contacted XXXX XXXX by phone to inquire about the letter and Notarized Proof of Claim dated XXXX XXXX XXXX . I reiterated an Estate would not be opened. I was instructed by XXXX XXXX to disregard the letter and Notarized Proof of Claim. He stated they were simply a legal formality, and the debt would be e discharged. I considered it rather strange for a company to have a document notarized for filing with the court against a non-ex istent Estate, simpl y as a legal formality. However, in good faith, I accepted his word. I assume, in his position, he was privy to the fact that the company had already submitted a charge-off damaging my credit. However, he did not mention the adverse action. It is absolutely mind-boggling that a company would charge-off an account in XXXX . Then, in XXXX , issue a letter demanding payment, accompanied by a Notarized Proof of Claim filed against a non-existent Estate. However, that is precisely what transpired. Unfortunately, I was oblivious to their negative cr edit report until the latter part of XXXX XXXX . XXXX XXXX XXXX : During a financial transaction requiring a review of my credit history, I discovered the erroneous adverse action by XXXX XXXX . I immediately contacted XXXX XXXX . I spoke with XXXX , explaining the error and requesting to have the adverse info removed from my credit report. After a review of my mothers account, he stated there was no record of my name. He then asked if he could check using my SS #, which I provided. He returned to the phone and stated again that my name was not in their system. I then asked how it is possible for XXXX XXXX to submit adverse info to damage my credit, if there is no record of my name in their system. He said he had no explanation. I was then instructed to submit a request in writing, via fax, to the Correspondence Department at XXXX XXXX . He then gave me the fax number, which I repeated to him for verification. I then decided to contact XXXX XXXX , given that he was the individual who had filed the Notarized Proof of Claim against my mothers non-existent Estate. I was flippantly informed by XXXX XXXX that there was nothing he could do to resolve the matter. After a rather unpleasant exchange, he stated I must send a letter to the Correspondence D epartment, as they alone could handle the issue. XXXX XXXX XXXX : I faxed and mailed a letter explaining the error, demanding resolution. I included copies of all pertinent correspondence. I also explained the urgency of having this issue resolved, and advised if the problem was not handled expeditiously, I would file a formal complaint with the FTC and MD and PA States Attorneys. However, after forwarding the letter to a law firm friend, I was advised if this situation is not resolved, I should first file a complaint with your organization. XXXX XXXX XXXX : I contacted XXXX XXXX to inquire about the status of my request, and asked to speak with the manager of the Correspondence Dep artment. I was then asked the nature of the call, which I explained. I was then asked to provide my mothers full name, address, phone number, date of birth, last four digits of her SS #, and my name. I provided all requested info. I was then placed on hold for a rather lengthy period. I assume the wait was due to a discussion of my case between the individual I spoke with and the Correspondence Dept . So, I patiently waited. The female I spoke with did not return. Rather, the next person on the phone said, Hello, I am XXXX . How may I assist y ou? I requested to speak with the manager of the Correspondence Dept. He said, Youll have to contact them in writing. I then explained that I had already sent a letter and other documents to their department, and would like to know the status of my request. I was then informed that I could not speak with the XXXX Department, they only respond to written correspondence. I again tried to explain my dilemma, and that I had in fact contacted them in writing. He again refused to forward the call. I then said, XXXX , what is your last name? He arrogantly replied, Im not giving you my last name. I then asked if XXXX XXXX is the CFO . He stated he is. Angrily, I then said, Thank you, XXXX . Goodbye.
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| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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CREDITOR : XXXX XXXX XXXX, XXXX NO ;. XXXX. NEGATIVE ITEM : 30 DAY LATE ( XX/XX/XXXX ) IN VIOLATION OF CARES ACT DELETION WINDOW ENDING XX/XX/XXXX. IN ADDITION IT ERRONEOUSLY REPORTED LATE 30 DAYS THE FOLLOWING MONTH XX/XX/XXXX.
This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the COVID-19 Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states... Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the COVID-19 pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the Coronavirus Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by COVID-19 and includes provisions addressing consumer reporting requirements. Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over XXXX XXXX consumers in the United States who have credit files and trade lines furnished by over XXXX providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation. The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the COVID-19 pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system. Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system. Furnishing Consumer Information Impacted by COVID-19 : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by COVID-19 to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy. The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so. Many furnishers are or will be offering consumers affected by COVID-19 various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of COVID-19. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing. Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period. The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that XXXX XXXX challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 Coronavin1s Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current " ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended. rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires. Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the COVID-19 pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe. The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable. Therefore, these below disputed accounts must be deleted ....
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| 02/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- This address belongs to someone else. Delete it from my report immediately.
2. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- This address belongs to someone else. Delete it from my report immediately.
3. The following personal information is incorrect Account Number : XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately.
4. The following personal information is incorrect Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
5. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
6. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
7. XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
8. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
9. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
10. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
11. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
12. XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
13. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
14. XXXXXXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
15. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
16. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
17. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
18. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
19. XXXXXXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
20. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
21. XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
22. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XX/XX/2022 - I opened an XXXX XXXX XXXX card with " no limit '' at the advice of the XXXX rep, who stated this was the perfect card for a small business owner who was in the initial phases of the startup. I was clear that I did not yet have revenue, and that for the first year to two years, i would be using the card to fund my expenses and get me to my revenue streams.
XXXX XXXX - I was shocked to find out that my XXXX XXXX XXXX card with " no limit '' was shut down. I immediately began to attempt to understand, and according to them at this point, they had told me falsities about the credit line, and that an imaginary line of {$20000.00} usd had been crossed. While i found this insane, my only goal was to contain the issue and maintain my XXXX credit score. As a new business owner, this had the potential to destroy me and i made it clear we should discuss a better card for me, if that was their issue, and that I would be happy to pay right away, the amount above XXXX. This was when the XXXX began in earnest.
XX/XX/2022 - No longer able to have meaningful discussions with ANY rep from XXXX, I was put thru the purposely setup " overcompartmentalization '' these companies put in place to ensure we, the consumer, are not able to EVER make any progress, and that they can continue to employ harder and harder bullying, and squeezing of us.
I was never provided a reason why this occurred, they never accepted or even entertained the idea that they should be with any blame. In the end I dont believe the reasoning i was provided is even true, i believe XXXX XXXX XXXX XXXX knowingly creates whatever they wish for each individual case, and then as they wish, destroys those same people thru their decisions and the follow thru being 'No cooperation ever ' with the former client they are now at odds with.
XXXXXXXX XXXX - Losing my mind with the setup listed above, I asked for and eventually was connected with some department that contains " executive '' in their title. I was assigned someone who made promises, befriended me, then carried thru with absolutely none of her promises, and threw a dagger into my financial heart in the immediate days following the Major Hurricane Disaster that was IAN. I live in the federally declared disaster zone so this is yet another major, i think, legal issue, this company created with their " promises of Hurricane Ian Hardship assistance '', and then NEVER EVER sharing any details to this supposed program, which to this day, I still do not know if it ever existed. The executive XXXX XXXXep is named XXXX XXXX.
XXXX XXXX : As i tried to rebuild my life in the aftermath of Hurricane Ian, keep my daughter and I safe, and keep my new fledgling Business alive, i continued to maintain contact with the, now once again, overcompartmentalized setup and its various groups of very guilty employees. The executive team that had told me point blank not to worry, not to stress at all, not to even take any action, as they were reviewing everything and would provide a solution that worked for all, that team would no longer even take my call, or an internal escalation. I should mention that shortly after my XXXX XXXX card was frozen, i was sent a threatening email from within XXXX, stating that if I did not pay the entire balance on my Business card, they would suspend and then revoke the " privileges '' on my personal cards. They followed thru rather quickly with this threat, and froze the remaining XXXX cards I had which included a XXXX XXXX and a XXXX XXXX XXXX XXXX I was under the impression being an XXXX would protect me from this type of action but it certainly did not even stall XXXX. I still want to know what the XXXX with all that.
Back to later XXXX - I was paying from a depleted group of funds to all my long frozen cards, to keep my " perfect on time credit payment history '' in tact, but this was becoming very difficult as the Hurricane created an overwhelming pile of expenses that were urgent in nature. It was becoming clear the road would be a long one, and many things would need to be paid out of my pockets with the hope of reimbursement later on from Insurance, or XXXX or an XXXX situation. The latter two are a joke but thats another story.
I asked XXXX repeatedly what they were offering those of us in Florida so that we could focus on the Catastrophe and i was told there was a program and I was in it, but no one at all could tell me what it was. Nothing at all changed with what they wanted each month, at what time, and for all the useless cards they had frozen. In XXXX, to save my sanity, i finally saw I had absolutely no protection, no ally, and if I wanted to attempt to save whatever was left of my credit ( score now XXXX from XXXX ), I had to enter an agreement with them, despite my hands and legs being tied up, and the insanity of the entire picture going into its 7th month.
XX/XX/2022 - I purposely did not pay what I had been all along, on the XXXX XXXX XXXX. This was my only leg to stand on when it came to getting their attention. It worked, and between XXXX or more calls with the XXXX and XXXX ( XXXX XXXX XXXX XXXX i accepted an agreement where I would pay around {$1200.00} per month on the four cards in one lump sum payment each month. Obviously this was done under diress and without any assistance from their side or the ability to secure an attorney as i could not afford to put money in that direction recovering from the disaster. I hoped this would stabalize the issue long enough for me to focus on my other pressing needs, stop their complete and utter harrassment of me thru phone calls, texts, threats on the calls, and threats thru the mail, mail that came every day, sometimes multple times. This company is out of control and clearly no one is policing them.
They reported to the Credit bureaus for XXXX being late, and destroyed my credit score, as i mentioned above. I tried until i was blue in the face to get anyone to reverse that. They would not, they see themselves as an untouchable XXXX, and from what it appears they are.
XXXX XXXX XXXX : I paid the agreement month after month, on-time, even when they tried almost right from the gate to sabotage me ( by taking the lump sum payment and moving it to four separate payments spaced all throughout the month ). I began to not even think about the XXXX this company caused me, except that, this monthly expense is up there, and with four frozen cards, its basically money set afire. This was confirmed for certain when it became clear they were not even reporting the agreement or the fact i was paying at all, let alone, on time each month - to any of the credit bureaus. THey had th best of both worlds, they destroyed my credit, and were also getting me to pay them each month. Every time i advised them, they must follow their end of the agreement and report my payments, removing the default status or the agreement we were operating under would be invalidated- they just gave lip and no action.
Finally, at the behest of an attorney and one of the banks i work with, I headed their advise and stopped paying this extortion in XXXX. Immediately the harrassment has returned. I made clear initially and repeatedly since, to XXXX, that they simply need to report the payments and we can discuss a return to the agreement. While they say they understand and will be taking action to meet this request, they have done nothing. This is where we stand now.
I have little confidence that anyone will ever help me here, or that anyone actually holds XXXX XXXX accountable. XXXX XXXX employees exhibit a XXXX confidence that makes it clear they feel no threat for any of their disgusting actions.
Best-
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 2. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The following personal information is incorrect EMPLOYER : SELF EMPLOYED 6. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX 7. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
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| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I contacted the Department of Education requesting that this loan be discharged in accordance with House Joint Regulation 192 of XXXX. So far, they have not taken action. I have confirmation from a certified return receipt that they received my request XX/XX/XXXX. Here is the authority listed that explains HRJ-192 and public law 73-10.
HJR-192 AND PUBLIC LAW XXXX LAWS THAT GOVERN ELECTRONIC FUNDS TRANSFER INSTRUMENTS, AND MONEY The Federal Government took our lawful money out of circulation in XXXX but Congress had to provide the people a remedy. Public Law : " Chap. 48, 48 Stat. 112 '' under HJR 192 is that remedy and in part states that the Federal Government will discharge all of our debts, public and private, dollar for dollar. This has been one of the best kept secrets in this Bankrupt Nation. They took everythin
g including all property and titles to property and left us only with an ability to discharge debt and create money through our signature and they never bothered to tell us.
We create money when we apply for bank loans with our signature. It is our signature and credit in our ability to work that creates the money of account and this has been the case since XXXX. The banks have a monopoly to our credit and for this " service '' they charge principal and interest on nonexistent money all the time giving the impression they lent us their money and this is fraud because they never revealed where the money came from. This is true for Credit Card accounts and Mortgages.
1. House Joint Resolution. 73rd Congress. Session 1. Chapters 48 & 49. XX/XX/XXXX H.J.R. 192. 1491 Public Law 1 48 Stat 1confirmed in ~XXXX v. XXXX ( XXXX ) XXXX XXXX XXXX, XXXX XX/XX/XXXXXXXX, as well as ~Title 31 United States Code ( USC ) 5112, 5119 and again 12 USC 95a . When a government goes bankrupt, it loses its sovereignty.
2. Public Law 10 Chapter 48, 48 Stat. 112.
3. Public Law 73-10 40 Stat 411 4. Trading With the Enemy Act ( TWEA ) XX/XX/XXXX 1 ) That, Legal tender under the Uniform Commercial Code ( U.C.C. ), Section 1-201 ( 24 ) ( Official Comment ) ; The referenced Official Comment notes that the definition of money is not limited to legal tender under the U.C.C. The test adopted is that of sanction of government, whether by authorization before issue of adoption afterward, which recognizes the circulating medium as a part of the official currency of that government. The narrow view that money is limited to legal tender is rejected.Under HJR 192 XX/XX/XXXX and validated in XXXX above the nation is bankrupt and to support the bankruptcy my signature as a man created the currency of the realm for the transaction making me the Creditor. The existing state of emergency is verified ~Title 12 95, 95a, 95b and 411 Should this be doubted then these two quotes ( of many more ) verify the truth since the principal part of any thing is the beginning. Maxim of Law Banks can not lend depositors money to borrowers without the depositors written authorization, in reality, banks do not lend their depositors money. ~12 U.S.C. 1828.
As the situation stands at present, the banker is in a unique position. He has probably the only known instance, in business of the possibility of lending something without parting with anything, and making a profit on the transaction, obtaining in the first instance his commodity free. ~XXXX XXXX XXXX in a speech in XXXX in XXXX. ( XXXX XXXX Decision, creating money from thin air ) A national bank has no power to lend its credit to any person or corporation. XXXX XXXX XXXX XXXX . XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, certiorari denied in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
A bank is not the holder in due course upon merely crediting the depositors account. Bankers XXXX v. XXXX, XXXX NYS XXXX XXXX, XXXX.
2 ) That, the Federal Reserve Bank in its booklet ; XXXX XXXX XXXX page 3, states ; In the United States neither paper currency nor deposits have as commodities. Intrinsically, a dollar bill is just a piece of paper, deposits merely book entries.
3 ) That the giving a ( federal reserve ) note does not constitute payment. See XXXX v XXXX XXXX, XXXX XXXX XXXX.
4 ) That the use of a ( federal reserve ) 'Note ' is only a promise to pay. See XXXX XXXX v XXXX, XXXX XXXX XXXX.
5 ) That Legal Tender ( federal reserve ) Notes are not good and lawful money of the United States. See XXXX v XXXX, XXXX XXXX XXXX.
6 ) That ( federal reserve ) 'Notes do not operate as payment in the absences of an agreement that they shall constitute payment. ' See XXXX XXXX. XXXX v XXXX, XXXX XXXX XXXX XXXX.
7 ) Also, Federal Reserve Notes are valueless. See IRS Codes Section 1.1001-1 ( 4657 ) C.C.H. ).
8 ) In light of the holding of XXXX XXXX XXXX vs. XXXX, XXXX XXXX XXXX ( XXXX ), take notice of ... As of XX/XX/XXXX, legal tender for discharge of debt is no longer required. That is because legal tender is not in circulation at par with promises to pay credit. There can be no requirement of repayment in legal tender either, since legal tender was not loaned [ nor in circulation ] and repayment [ or payment ] need only be made in equivalent kind ; A negotiable instrument.
9 ) U.C.C. 3-603 ; If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender ...
10 ) ORS 81.010 Effect of unaccepted offer in writing to pay or deliver. An offer in writing to pay a particular sum of money or to deliver a written instrument or specific personal property is, if not accepted, equivalent to the actual production and tender of the money, instrument or property. ( the latter here operates via the rule of Para Materia in Tennessee. ) 11 ) That because of failure of a lawful consideration the Note and Mortgage are null and void See XXXX XXXX XXXX XXXX XXXX v XXXX XXXX, case # XXXX ( XXXX ) .THEREFORE, in light of the above, under necessity, having no other means to pay debts at law, but being estopped and denied access to lawful constitutional money of exchange, the undersigned can only exercise the remedy under necessity to set off/discharge the 'debt/liability '.
Your Affiant, flesh and blood with PRE-PAID EXEMPT status as a current Creditor of the U.S. CORPORATION since its bankruptcy in XXXX and with full understanding of how the monetary system works. Federal laws prohibits any banks from loaning against its own credit and customers deposits, so my signature creates the asset of these funds which you then monetized to your gain ten ( 10 ) times, then my signature does certainly pay this supposed liability ; THEREIN, you are required by LAW to accept this EFT instrument and credit the above account, in honor, within 24 hours upon acceptance pursuant to U.C.C. 3-501.
Any dishonor will be construed as a commercial injury, violation of agreement, fraud, fraud by scienter, violation of commercial law and otherwise. UCC codes used in verified tender of payment 1-201 general definitions governing eft 10. CONSPICUOUS EFT in red 3-311 ( d ). Receipt of an instrument is satisfaction 3-501- ( 4 ) day after day of receipt 3-603 tender of payment ( b ) refusal is discharge ( c ) able & ready to pay at every place of a payment stated Your Affiant has claimed, maintain, and have at all times has retained his Constitutionally secured Rights especially, but not limited to, all aspects of this instant matter ; XXXX v. XXXX XXXX XXXX XXXX , XXXX at XXXX. Waivers of Constitutional Rights must not only be done voluntarily, they must be knowingly intelligent acts done with sufficient awareness of the relevant circumstances and consequences.
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| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX AZ XXXX Ss # XXXX XX/XX/2023 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is, because from the looks of my credit report and all the errors I see, heres my breakdown : 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act : Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate.
They are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account number:XXXX XXXX Account number : XXXXXXXX XXXXXXXX XXXX : Account number : XXXXXXXX XXXX XXXX Account number : XXXX XXXX Account number : XXXX XXXX XXXX XXXX Account number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asaP Your improper procedures are highly damaging to my credit score.
3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account number : XXXXXXXX XXXX Account number : XXXX Validate/inaccurate reported late payments.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX , XXXX XXXX XXXX XXXX CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, D.C. XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer Sincerely, XXXX XXXX XXXX
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| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXXL Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX BANK Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 06/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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FRAUD WAS COMMITTED ON 4 MAJOR CREDIT CARDS AT VARIOUS STAGES. XXXX XXXX AND XXXX XXXX WERE ALERTED AS SOON AS THE FRAUD WAS PERFORMED, THEY WERE GIVEN COPIES OF THE XXXX COUNTY SHERIFF 'S OFFICE [ XXXX ] REPORT AND THE XXXX ECONOMIC CRIME 'S DIVISION DETECTIVES REPORT.
THE DEPUTIES AND DETECTIVES TRIED COMMUNICATING WITH XXXX AND XXXX XXXX, WE DO NOT UNDERSTAND WHAT THEY ARE SAYING. FRAUD DIVISION KEPT TELLING THE SERGEANT " ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' ( XXXX ) AND WITH XXXX XXXX THEY JUST STATED " XXXX XXXX XXXX ALERTED US OF FRAUDULENT TRANSACTION PERFORMED ON CREDIT CARD '' THE DETECTIVE DID ASK WHERE AND WHEN. HE DID FIND IT VERY STRANGE THEY WERE ALL ( ALL 4 OF THEM ) WERE DONE AT THE SAME TIME AND SPENT ALMOST IMMEDIATELY?
BUT BOTH XXXX FRAUD AND XXXX XXXX FRAUD DIVISION WOULD NOT STATE WHAT THOSE ITEMS WERE. EVEN WHEN THE SERGENT BARKED AT THEM AND SAID " SHE'S STANDING HERE IN FRONT OF ME, I WILL PLACE AN XXXX ON HER SINCE YOU'RE ACCUSING HER. NAME ME THE ITEMS THAT WAS SUPPOSEDLY STOLEN WITH 'HOT MONEY '. '' MY ELDERLY MOTHER OVERHEARD THIS XXXX FRAUD GUY, SOUNDING YOUNG JUST TOLD THE SHERIFF 'S THAT " PURCHASED A 60 '' WALL MOUNT SMART TV, XXXX, XXXX XXXX '' BEFORE SOMEONE IN BACKGROUND TOLD HIM TO SHUT UP.
[ YES, THERE'S A PROBLEM WITH THAT. XXXX/XXXX AND I DO NOT GET ALONG, WE DO NOT SEE EYE-TO-EYE, I AM A CERTIFIED ( RETIRED ) PLATINUM XXXX. AND THEY KNOW EXACTLY WHAT I HAD ON ME AND IN MY PROPERTY. ] SERGENT ( INTERRUPTED ) WHERE WERE THEY PURCHASED? WHAT STORE? I WANT TO SEE THE VIDEO. '' XXXX FRAUD DIVISION : " ONLINE. '' THE DETECTIVE CHEWED HIM OUT, TOLD HIM TO FAX THE LIST OVER TO HIM AND ALSO SPECIFY WHERE ITEMS WERE SHIPPED TO.
XXXX FRAUD TEAM SAID " ITEMS WERE SHIPPED AND DELIVERED TO XXXX, TEXAS, WHERE " HER SECOND RESIDENCY '' WAS LOCATED. '' FROM THERE, BOTH SERGENT AND DETECTIVE WERE YELLING AT THEM. REMINDED THEM THAT THE FRAUD WAS ALREADY REPORTED. SO WHY DIDN'T YOU WORK WITH THE CUSTOMER TO FIX THE PROBLEM? INSTEAD, YOU THREW HER OFF WITH NO KNOWN HISTORY SINCE XXXX OR SOMETHING LIKE THAT? THEN HARASS HER FOR PAYMENTS FOR ITEMS SHE DIDN'T BUY OR EVEN HAVE IN HER POSSESSION? PLEASE ADVISE ONE MORE TIME THE SPECIFIC REASON WHY YOU SHUT HER DOWN COMPLETELY?
( XXXX XXXX HAD DISCONNECTED THE CALL, HOWEVER, XXXX XXXX REMAINED ON THE LINE ) HE WAS TOLD " IF YOU WANT FURTHER INFORMATION, PLEASE PROVIDE US A WARRANT. '' THEN THE DETECTIVE CAME UP AND SAID " WHY DID YOU SHUT HER DOWN AT THE LOCAL BANK FOR? '' MY MOTHER HEARD IT, THREE DEPUTIES ( ONE BEING A SERGENT ) HEARD IT, THE DETECTIVE HEARD IT, MY 2 NEIGHBORS HEARD IT - I DIDN'T HEAR IT BECAUSE I AM PROFOUNDLY XXXX.
XXXX FRAUD DIVISION ( WHICH HE GOT TERMINATED ) " BECAUSE SHE'S A XXXX, A XXXX XXXX, LIVING OFF OF WELFARE AND USING AN ELDERLY WOMAN TO DEPOSIT LARGE SUMS OF MONEY INTO HER ACCOUNT. '' DETECTIVE DID ASK " SHE'S A XXXX XXXX, SHE'S NOT XXXX, HER MOTHER IS AMERICAN AND IS XXXX. ARE YOU SURE YOU ARE TALKING ABOUT THE SAME PERSON? HAVE YOU EVER SPOKEN WITH HER? AND PLEASE ADVISE WHAT LARGE SUM OF MONIES CONCERN YOU? '' XXXX FRAUD DIVISION ( SAME FELLOW ) " SHE HAS AN ELDERLY WOMAN PUTTING ONE THOUS IN HER ACCOUNT '' DETECTIVE " SO? IS IT EVERY DAY? ONCE A WEEK? WHAT? '' XXXX FRAUD DIVISION : " ONE THOUS EVERY MONTH. SHE'S SCAMMING OLD PEOPLE. '' DETECTIVE : " NO SHE IS NOT. '' XXXX FRAUD DIVISION : " YES SHE IS, AND I CAN PROVE IT. I WILL PROVIDE ONCE YOU REQUEST IT, WHO THAT OLD GOAT IS! '' DETECTIVE : " HER MOTHER, SHE IS STANDING RIGHT IN FRONT OF ME. SHE ALREADY TOLD ME SEVERAL TIMES IN THE PAST, THE ESTATE OF HER DECEASED FATHER, BOTH DAUGHTERS GET XXXX XXXX A MONTH. IT IS NONE OF YOUR BUSINESS ANYWAY. '' XXXX FRAUD DIVISION " ( PROFANITIES ) '' AND DISCONNECTED THE LINE.
IT WAS ALREADY REPORTED AND DOCUMENTED, I HAD ALREADY PROVIDED THEM THE POLICE REPORT FOR EACH 3 XXXX CREDIT CARD AND 1 XXXX XXXX CREDIT CARD.
XXXX XXXX AND XXXX XXXX WILL NOT SPEAK WITH ME. THE INCIDENT HAPPENED IN XXXX. I WAS PAYING THE BALANCE I ACTUALLY OWED BASED ON THE LAST STATEMENT I HAD ; THEY WOULD NOT REMOVE THE FRAUDULENT CHARGES.
THE DETECTIVE FOLLOWED UP WITH XXXX IN XXXX, AND HE TOLD ME TO STOP PAYING THEM.
WITH XXXX XXXX, THEY KEPT PROMISING TO RESTORE MY ACCOUNT, PUT MY STATEMENT AS IT WERE PRIOR TO THE FRAUD EVENT. I AM CURRENTLY STILL PAYING XXXX XXXX BUT THEY HAVE NOT REMOVED THE FRAUDULENT TRANSACTION NOR HAD THEY EVEN BOTHERED WITH RESTORATION OF THE ACCOUNT.
BY RESTORATION : MOVE THE ORIGINAL BALANCE PRIOR TO THE EVENT TO ANOTHER NEW MASTERCARD.
BOTH XXXX AND XXXX XXXX REPETITIOUSLY ON A KNOWN FRAUDULENT CASE, DID INCREASE MONIES, DID INCREASE FEES, DID INCREASE INTEREST, AND WITH THREATS OF " CONTINUE TO DO SO TO HARM A VICTIM 'S CREDIT '' WITH A KNOWN REPORTED AND DOCUMENTED FRAUD EVENT.
WHILE I HAVE RELATIVES AND FAMILY MEMBERS IN XXXX XXXX ( RETIRED ). THEY ARE UNABLE TO DECIPHER WHAT " '' '' ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' '' '' WAS SUPPOSED TO MEAN. THE DETECTIVES ARE CLUELESS, I'VE PERSONALLY SPOKEN TO BRANCH AND BANK CEOS FROM VARIOUS FINANCIAL INDUSTRIES, AND NOT ONE SINGLE PERSON COULD EVEN UNDERSTAND WHAT THAT IS SUPPOSED TO MEAN.
THE FACT XXXX THEMSELVES SHUT MY PERSONAL BANKING ACCOUNT DOWN IMMEDIATELY, DID CAUSE ME HARM AS MY SOCIAL SECURITY WAS DIRECT DEPOSIT. AND THEY DID REFUSE TO PAY BILLS THAT WERE PAID ELECTRONICALLY. INSTEAD, GAVE ME MONEY ( CASH ) FROM THE TIME THEY DID SHUT DOWN. I JUST WENT TO XXXX XXXX SINCE I'VE HAD THEM FOR YEARS - THEY KNEW WHAT WAS GOING ON BETWEEN XXXX AND XXXX XXXX. QUITE FRANKLY, WAS EXTREMELY EMBARRASSED BY THEIR COMPETITOR 'S BEHAVIOR. THERE WERE NO EXCUSE FOR THIS.
AFFIRMATIVE, XXXX XXXX KNOWS ALL ABOUT THIS ABOVE AND THEY, THEMSELVES HAVE NO IDEA WHAT : " ACHI PAYMENT FROM CREDIT CARD TO CREDIT CARD, EXCEEDING CREDIT LINE WITH PURCHASE ( S ) OF PRODUCTS PURCHASED ONLINE. '' WAS SUPPOSED TO MEAN EITHER. IN FACT, HE HAD SUMMONED THE CORPORATE OFFICE TO GET THEIR LEGAL TEAM TO ADVISE, AND AA FEW DAYS LATER, THEY RESPONDED WITH " TECHNICAL GIBBERISH, TRYING TO BE A HOT SHOT WITH FANCIFUL WORDS. '' BASICALLY, XXXX FRAUD TEAM WAS RUNNING OFF THEIR MOUTHS WITH NONSENSE.
ONCE AGAIN : XXXX WILL NOT SPEAK WITH ME.
XXXX XXXX AS OF XXXX, WILL NO LONGER SPEAK WITH ME I AM NOT ALLOWED TO BE ON ANY XXXX OWNED PROPERTY THAT CONTAINS XXXX XXXX - THEIR FRAUD TEAM ISSUED THE WARNING AND WOULD PROVIDE ALL XXXX XXXX MY FACIAL TRACING THAT I WOULD BE ARRESTED IMMEDIATELY IF FOUND AT ANY OF THEIR BRANCHES.
IN FACT, THE SHERIFF 'S OFFICE WERE IN A DISTANCE JUST TO SEE IF XXXX WOULD HOLD THEIR WORD BECAUSE THEY SHUT MY CHECKING ACCOUNT DOWN INSTANTLY AND THEY HAD TO PAY ME. THE LOCAL BRANCH MANAGER WAS SO ANGRY ( SHE ORIGINALLY CAME FROM ANOTHER BANK THAT WHERE I HANDLED THE LOCAL CHURCH 'S FINANCES AND WAS A DESIGNATED AUTHORIZED PERSONNEL ( NOT A GUARDIAN ) FOR SOME ELDERLY FOLKS TO HANDLE SOME OF THEIR AFFAIRS. ) THAT SHE REFUSED TO EVEN CALL THE LOCAL AUTHORITIES TO HAVE A " TRESPASS '' WARNING ISSUED AGAINST ME, SHE ALSO LEFT THE BANK AS WELL IN PURE DISGUST. SHE WAS AT LOSS FOR WORDS THAT XXXX FRAUD TEAM WOULD GO THROUGH THAT EXTREME MEASURES AND FELT TERRIBLE THAT THEY CALLED MY MOM AND OLD GOAT.
SHE WAS THAT ANGRY WHERE SHE CALLED HER SUPERIORS TO LET THEM HAVE IT ; ONLY TO FIND OUT THAT 4 OF THOSE BOYS IN THEIR FRAUD DIVISION WERE ALREADY TERMINATED ( THAT WAS ONE WEEK BEFORE SHE LEFT ).
ODDLY, I DO NOT HAVE A SECOND HOME AND NEVER BEEN TO TEXAS. I AM NOT XXXX, I AM XXXX XXXX, I AM XXXX XXXX / XXXX EMPLOYEE.
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| 12/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
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XXXX, Transunion, XXXX or XXXX are not updating information properly on my profile. And it is causing a severe financial hardship.
XXXX XXXX XXXX has been paid off since XXXX and it stills shows I have a balance XXXX XXXX XXXX keeps renewing a collection that was never proven to mine but has been indeed identified as identity fraud and is still able to report information on my credit report as if its a current collection when it was a collection that was removed and bought by another collection company dated back in XXXX. They stated I lived in a false address that I've never lived in..however that address is a location of base but not the physical address of my location and many military members have been victims of this because the address is a address affiliated to the location of the base but is NOT an physical address of any member located or stationed at that base as that base has individual addresses within the base. this company has harassed me with the name of XXXX XXXX and wrong numbers and tried to have me verify information to try to prove their case more accurately to collect money from me that i do not owe. They've been doing searches to try to solid their information because their information in the beginning was inaccurate. And every time they have been disputed they disappear and reappear again and they reappear on my credit report as its a new establish collection but in truth it's a collection that was removed almost 3 years ago which is playing a heavy part of defeating my credit score.
XXXX XXXX XXXX XXXX/XXXX card services This company is being reported as charged off on my credit report but that's in impossible because i have automatic payments coming out and the other card was paid. I've sent the credit bureaus copies of this and they still report it as a charged off account which is not accurate. One of the cards were closed base of the company 's policy not by member. member has automatic pay dating back from XX/XX/XXXX. This card was never late as it automatically paid.
XXXX XXXX XXXX XXXX Was proven to be a false account against member but is still reported as accurate information. It was proven based off the time the member resided at the location. The member wasn't at the location 1 year and half after this report was sent out the account was reported in which the member was still living in location when information of XXXX orders and location of new address proved that member was in a whole different state during the billing time the company sent reporting and the company failed to provide accurate information connecting member to this account. Inaccuracy by the company and lack of accountability of the company who reported it. Member is not legal responsible for this account and this information should have been updated and removed off his credit report.
XXXX XXXX account is being held as a late account when account is paid in full and proved it was never late from almost 8 years ago.
XXXX XXXX reported 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was XXXX retired and could not make payments because of hospitalized because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then.
XXXX XXXX XXXX same issue with vehicle payment above. 90 days vehicle payment late however member did call bank ahead of time that it would be a possibility that this may occur ahead of time and had provided to the bank that he was a military member deployed and was injured in the line of duty and was XXXX retired and could not make payments because of hospitalized because his of injuries during wartime of defending our country. He then paid in the same year his debts up. And this was because it took time for the military to execute retirement payment so that member could pay bills. This should be excused based on the contingencies of military member pause in pay because they don't get paid with the immediate release out of the military at the same time military member did take care of the issue immediately after as bank requested. Member has been up to date since then.
This member has a total of 24 positive accounts Longevity of their accounts is exceptional. However we can all see that during the time the member was injured in the military they clearly had an hiccup in finances however not in the control of the member but in the actions of defending their country. In no way should we look the the other way in issues at hand but we need to see the trend and the analysis of this member bounced back from that year until now. And because of the credit bureaus not accurately keeping up with his progression had caused a devastating blow to this XXXX military member way of living. They served 20 years of dedicated service and and we thoroughly look how they kept up with payment management overall within those years we can clear see there is a red flag on how this members credit has been managed by the bureaus and this is not fairly done. If we are going to report information it needs to be on time and accurate as it happens. It beneficial to members that work hard to keep the accuracy of their credit XXXX as a major responsibility because its apart their transition of life. it's already hard transition from military to civilian as it is. And we are doing a disservice to this member. Look at this FICO score this member has 4 Auto loans and never has been late, two houses on record and sold with no missed payments, Time share of earned property, no bankruptcies on file and has managed his account with the upmost respect at the same time defending our country. How is that we feel comfortable with evaluating his credit score at the level as teen or someone that don't pay their bills on time. 24 exceptional accounts to maybe 3 to 4 delinquent accounts does not symbolize such a score. FICO has given member a Auto loan score of XXXX how is that possible? That's clearly inaccuracies and a severe error amongst credit reporting agencies if member maintains 4 auto loans up to date without error with these banks satisfied and the last issue member had was back in XXXX where he was transitioning out the military with making the ultimate sacrifice with defending his country. His FICO House loan credit score is a XXXX? So are we stating that his previous home loans don't count? We are telling this member that everything he has done responsibly with 20 years of service and his retirement income that they get on a monthly basis doesn't matter? The bureaus are reporting they have and income of $ XXXX? Their excuse is from the banks? How so? the average military member with 20 years of service is almost $ 30K plus if not more.. So lets highlight this.. the credit bureaus and FICO bureaus are reporting this member as being XXXX in debt with a $ XXXX income.. how? has 4 auto loans, Timeshare, living expense, credit cards and the last dated collection was dated back in XXXX and that's still questionable and being disputed for accuracy because it was around the same time member transitioned out the military.
|
| 10/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Older American, Servicemember |
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Hi, I wrote all three credit bureaus to provide original documentation with my signature to challenge the accuracy, compliance, and reportability of these incorrect listings by XXXX XXXX and XXXX XXXX XXXX.
I want to add that nothing from the Credit Bureaus was ever received that I asked for by postal mail. Only a standard " fraud letter '' that has nothing to do with my request for documentation with my signature, totally ignoring my right to request original documentation with my signature allowing such reporting and especially providing explicit written consent by me as afforded by The Fair Credit Reporting Act.
Willful disobedience of my right to request these items is a direct violation of the Fair Credit Reporting Act and their continued unwillingness to obey the law and provide me with my requests means they have to remove the items that smear my otherwise stellar payment histories with dozens of other creditors. In fact, their letters sent to me say " STILL PENDING '' and won't be resolved until XXXX the XXXX which exceeds the thirty-day period of the law in my request for documentation with signatures of original copies of my permission which I never gave, and, why I requested the false negative items removed and thus now writing you to be an advocate for me to clear my besmirched credit history that is adversely affecting my ability to purchase my final home.
XXXX commented via the credit report that they had " that XXXX XXXX met the requirements '' totally ignoring my request below for documentation, for late payment removal. TransUnion stated that there is no late payment reported appearing on my TransUnion Credit Report, that letter was dated XX/XX/XXXX. However, upon looking at my Transunion Credit Report dated with the same date of XX/XX/XXXX it clearly states that the statement they made saying nothing was negative in my report is false because it is on my report. They can't even get their facts straight on two items dated the same date. I want these removed as is my right for them first being clearly incapable of getting it right, and second, they failed to produce the documentation I requested, not, once, not twice but three times now.
The same applies to XXXX XXXXXXXX XXXX as the credit bureau never sent anything by mail as requested and only commented via XXXX Report saying " that the company reported back to them saying that the information was accurate '' Again they ignored my right to ask for documentation signed by me as is my right under the Fair Credit Reporting Act and as such, I am asking for the negative incorrect items to be removed. This was my third polite attempt to all three Credit Bureaus and again as stated above I need an advocate to make them obey our Federal Laws.
TransUnion and XXXX failed to even respond within the thirty-day period required by law and thus should be removed as required by the Fair Credit Reporting Act " FOR MY CHALLENGES of both XXXX XXXX Late Payment in XXXX of XXXX. All letters were sent with Certified Return Receipts and verified as having been delivered. Copies of these receipts will be given to you as I keep precise records of something so important and vital in need of correction as I am trying to secure financing for a new home and a new roof over the people I take care of. My reports are clean and excellent with the case in point being I have had my oldest account with XXXX since XXXX and have never been late for any payment in the 21 years, I have been associated with them. That's over XXXX consecutive payments and I can assure you that I am that meticulous at age XXXX to understand the importance of on-time payments this is my third letter to both companies to remove the incorrect information I have removed the personal information as you instructed from the original content so all you see below is the content and complaint but not my name and social security number XX/XX/XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Late Payments on : CC # XXXX - XX/XX/XXXX I challenge the accuracy, compliance, and reportability of this listing.
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX This is the content minus the personal info removed from all three complaints to XXXX XXXX XXXX.
The next challenge was for XXXX XXXXXXXX XXXX and Late payments.
To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing Late payments on : CC # XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CC # XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX CC # XXXX - XX/XX/XXXX, XX/XX/XXXX I challenge the accuracy, compliance, and reportability of this listing.
Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.
I have all three identical letters with exception of the Credit Bureau Addresses being different, I have previous letters and their responses, and I also have certified receipts of delivery if you need to see them.
|
| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
This complaint is against ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and the CEOs/Presidents and or Acting CEOs/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( s ) AND file ( s ) have erroneous reporting from ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al . We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY, ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and acting CEOs/Presidents , et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , which means they are in direct violation of 15 USC 1692 G ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etc. with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do I want to contract with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus, et al. We are not a consumer of ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and never was . We are not a customer nor patron ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al nor have we ever been . We do not want to enter in to any binding contracts, agreements, or consents with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al . We never consented nor gave express permission in any form to ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al offers to contract . We DO NOT consent to ANY non-affiliated third-party ( ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ) to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year XXXX - XXXX and XXXX to present day.
Due to the nature of these multiple illegal and unlawful violations against us, ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , we are DEMANDING {$11000.00} XXXX VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION.
ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al has/is caused/causing financial hardships , health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By us BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and I HAVE NO LAWFUL NOR LEGAL OBLIGATIONS to communicate with ANY and ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al .
BE IT KNOWN NOW AND FOREVER, this is NOTICE TO ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ; CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al disseminated , stored , warehoused obtained , etc./PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al shall also know that in the XXXX XXXX XXXX Plaintiff , vs. XXXX XXXX, No XXXX XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY.
This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to : CCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion Rental Screening Solutions , Inc. ( TransUnion SmartMove ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus XXXX XXXX al XXXX
|
| 11/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit.
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
15. Identity Theft XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
16. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
17. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 18. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX 19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit.
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX 3. Mistaken Identity XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
4. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
6. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
7. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX 8. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX Re : Warning to Remove Incorrect Items from my Credit Report XX/XX/XXXX To Whom It May Concern : I recently sent you a request to reinvestigate the information previously disputed. I have attached my previous correspondence for you to revisit.
The computer-generated response I received is unacceptable and I am losing patience. If the information is not immediately reinvestigated and removed, I will be forced to seek legal counsel for relief through the court and file complaints with regulatory enforcement agencies including the CFPB, FTC and my state attorney general.
Remove this incorrect information at once and send me an updated copy of my credit history report.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, NY XXXX 2. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 6. Mistaken Identity XXXXXXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
8. Identity Theft XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX I also request that you please send notices of corrections to anyone who received my credit report in the pasXXXX XXXX months.
Sincerely
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This complaint is against ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and the CEOs/Presidents and or Acting CEOs/Presidents and or Successors, Assigns, Agents, and Representatives. We are FEDERALLY PROTECTED CONSULMERS. Our credits report ( s ) AND file ( s ) have erroneous reporting from ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al . We have been advised that CREDIT REPORTING is a form of collection strategy and we DEMAND that ALL credit reporting CEASE IMMEDIATELY, ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and acting CEOs/Presidents , et al are in direct violation of 15 USC 1692 e ( 8 ). We never received an initial communication from ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , which means they are in direct violation of 15 USC 1692 G ) ( b ). We have NO CONTRACTS, AGREEMENTS, NO ACCOUNTS, NOR BUSINESS RELATIONSHIP and or AFFILIATIONS or PARTNERSHIPS, etc. with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ; NOR DO WE WANT ( DO NOT WANT ) TO CONTRACT AND OR CONSENT WITH ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , or their BUSINESS RELATIONSHIPS and or AFFILIATIONS or PARTNERSHIPS ; nor any of the corporate names they hide behind, nor do I want to contract with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus, et al. We are not a consumer of ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and never was . We are not a customer nor patron ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al nor have we ever been . We do not want to enter in to any binding contracts, agreements, or consents with ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al . We never consented nor gave express permission in any form to ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al to use or be in possession of any of our NON-PUBLIC PRIVATE/PERSONAL INDENTIFYING SOURCE DATA AND INFORMATION. This is a clear VIOLATION OF THE GRAMM-LEECH-BLILEY ACT. To be very clear, we DO NOT accept ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al offers to contract . We DO NOT consent to ANY non-affiliated third-party ( ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ) to be in possession of of our NON-PUBLIC PERSONAL AND PRIVATE INFORMATION. ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al has violated and is violating the laws and regulations pursuant to 15 USC 1692 and violating our rights since the very first time they received and came into possession of my non-public private and personal information, since the year XXXX - XXXX and XXXX to present day.
Due to the nature of these multiple illegal and unlawful violations against us, ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al , we are DEMANDING {$11000.00} PER VIOLATION FOR EVERY MONTH AND YEAR IN VIOLATION.
ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al has/is caused/causing financial hardships , health ailments, financial losses, emotional stress, mental distress, many missed nights of sleep, loss of credit opportunities to purchase consumer goods and services, etc. By us BEING DENIED CREDIT due to derogatory INTENTIONALLY FALSE INFORMATION with the consumer reporting agencies/Credit Reporting Agencies or other consumer reporting companies/agencies. I HAVE NO CONTRACT CONTRACT WITH ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al and I HAVE NO LAWFUL NOR LEGAL OBLIGATIONS to communicate with ANY and ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al .
BE IT KNOWN NOW AND FOREVER, this is NOTICE TO ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al ; CEASE AND DECIST ALL UNLAWFUL AND ILLEGAL ACTIVITIES IMMEDIATELY. THIS IS NOT A REQUEST. THIS IS A LAWFUL DEMAND. THIS IS ALSO NOT A REQUEST FOR VERIFICATION, VALIDATION or ANY OTHER FORM OF REQUEST. THIS IS A NOTICE OF BOGUST DEBT. The matter has NOW BECOME VERY CLEAR that ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al disseminated , stored , warehoused obtained , etc./PAID FOR our NON-PUBLIC PRIVATE PERSONAL INFORMATION WITHOUT OUR LEGAL AND LAWFUL EXPRESS P RIOR WRITTEN AUTHORIZATION and this constitutes AGGRAVATED IDENTITY THEFT pursuant to 18 USC 1028 A. ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al shall also know that in the XXXX XXXX XXXX Plaintiff XXXX vs. XXXX XXXX, No XXXX XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XXXX, the courts ruled that REPORTING AN ( ALLEGED ) COLLECTION ACCOUNT ON A CREDIT REPORT IS INDEED considered COLLECTION ACTIVITY.
This complaint also applies and includes all other consumer credit reporting/consumer reporting, public reporting, and data mining companies. The following companies but not limited to : CCC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | TransUnion Rental Screening Solutions , Inc. ( TransUnion SmartMove ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; ALL Consumer Reporting Bureaus/Agencies/Companies/Public Reporting companies/Consumer Data Mining Companies/Consumer Credit Bureaus , et al .
|
| 09/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I faxed this into transunion on XX/XX/2018 to delete some of the negative marks on my credit report. I faxed in the 609 request and a second letter of the 609. to remove a blemish on my report that TRANSUNION had just verified and totally left out the FCRA part where transunion had a legal obligation to remove this negative report on my personal credit and has not provided any legal full fill ment of the FCRA Federal law by not sending me a physical copy of my personal signature that is so very clear in the FCRA FEDERAL LAW. Transunion had just said it was verified but there was no sending me the physical signature as required by FCRA and Federal LAW on this matter. It seems that the Transunion has not fully complied to the full legalities of this FGEDERAL LAW THAT REQUIRES me to be sent a physical signature that is supposed to be my signature. .All you have to ask transunion on the letter they sent to me on XX/XX/2018 and ask for a copy and I have copies incase transunion does not find it for you for some reason. the results were that. down below is a copy of the actual FEDERAL LAW FCRA. I have documents backing it up. my confimations of my faxes etc ... this has to come off my report. I deny that this should be on my report. I have also just filed a complaint with my local congressman XXXX XXXX XXXX. for XXXX XXXX XXXX 1st district of, Indiana. they will contact the F.T.C I even emailed a second letter. they did nothing to clear up my name.
Here is letter 1 Current Date Your Name Address City, State, Zip Code SSN : # # # - # # # - # # # DL # : # # # # # # # # # # # D.O.B. : # # / # # / # # # # CRA NAME Address City, State, Zip Code According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification Creditor Thank you for your prompt assistance in this matter.
Sincerely, Your Name -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Letter # 2 Current Date Your Name Address City, State, Zip Code SSN : # # # - # # # - # # # DL # : # # # # # # # # # # # D.O.B. : # # / # # / # # # # CRA NAME Address City, State, Zip Code Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts?
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification Creditor Thank you for your prompt assistance in this matter.
Sincerely, Your Name -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Letter 3 Current Date Your Name Address City, State, Zip Code SSN : # # # - # # # - # # # DL # : # # # # # # # # # # # D.O.B. : # # / # # / # # # # CRA NAME Address City, State, Zip Code Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.
Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly?
Who verified these accounts?
You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or removed immediately.
Name of Account Account Number Provide Physical Verification Creditor.
Thank you for your prompt assistance in this matter.
Sincerely, Your Name -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Current Date Your Name Address City, State, Zip Code SSN : # # # - # # # - # # # DL # : # # # # # # # # # # # D.O.B. : # # / # # / # # # # CRA NAME Address City, State, Zip Code NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as ev.
Thank you for your prompt assistance in this matter.
Sincerely, Your Name -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -
|
| 07/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
Servicemember |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX, XXXX, NJ XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my TransUnion Credit Report.
To Whom It May Concern, In the course of recently screening my personal TransUnion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
2. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
8. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
9. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
11. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
12. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
16. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
17. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
18. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
19. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
21. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity. I compel you to demonstrate the mandated physically verifiable proof of adequately
achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my TransUnion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
|
| 07/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX New York XXXX XXXX : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, D.CXXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
|
| 10/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I filed a dispute with TransUnion and XXXX on XX/XX/2022, regarding inaccurate information being reported on my credit reports by XXXX. Via my credit report alerts, I was notified that TransUnion and XXXX began reporting the inaccuracy on XX/XX/2022. The inaccurate reporting has dropped my credit score by over 70 points. I had emailed XXXX prior to the reporting on XX/XX/XXXX, notifying them of an ongoing identity theft issue though I paid my account in full. And have since then, emailed customer support at least three times providing them with a copy of the identity theft report with a detailed timeline though I paid my XXXX account balance in full. I also emailed the CEO and called and spoke with a gentleman twice about making the correction. The gentleman reached at XXXX customer service stated that the CEO, XXXX XXXX doesn't handle the reporting side of XXXX. After verifying my account and identity, he then proceeded with telling me that he sees my account is in good standing with a {$0.00} balance. I explained to him, that is NOT what the credit bureaus are reporting and that agents of the credit bureaus stated an outstanding balance of {$1100.00} is the information that XXXX is reporting. I also explained to the gentleman that the agents at the credit bureaus stated that though I provided them with proof that I do NOT owe XXXX, XXXX has to make the correction with them. The gentleman stated that wasn't true and that I could dispute the account inaccuracy with the credit bureaus. He also stated the credit bureaus had not contacted XXXX to make the correction. All of which I learned was in fact a lie.
I called the credit bureaus AGAIN. I was transferred to a supervisor in XXXX fraud department. Upon the supervisor reviewing my supporting documentation submitted with the dispute and XXXX 's reporting data, the XXXX supervisor stated that XXXX was only reporting the information that XXXX had reported to them. The supervisor went on to state that the last time XXXX had reported any data or information on my account was XX/XX/XXXX of XXXX and that XXXX is required by law to report accurate up to date information EVERY 30 days. Pursuant 15 USC 1681, states ALL creditors and consumer reporting agencies reporting information about consumers have a LEGAL obligation under the FCRA 's furnisher rule to 1. ) furnish information that is accurate and complete and 2. ) investigate consumer disputes. NONE of which has been done by XXXX, TransUnion, or XXXX. The XXXX supervisor also advised me that XXXX has requested XXXX to update the inaccurate account information on XX/XX/2022 and again on XX/XX/2022. She stated on XX/XX/2022, XXXX immediately replied to leave the data as is reporting. She stated that when I provided XXXX with supporting documentation on XX/XX/2022, XXXX notified XXXX again ; however ; with supporting documentation, XXXX did NOT respond. She further stated as of XX/XX/2022, XXXX still had not responded.
Since speaking with one of the supervisors at XXXX, I have contacted XXXX twice more. I spoke with the gentleman in which I originally spoke who assured me the issue would be resolved. He asked me to email XXXX customer support again, which I did on the very same day of XX/XX/2022. The gentleman stated that he would forward the information to the data reporting department. Without reviewing my dispute in its entirety or doing a thorough investigation into the matter, a XXXX data reporting representative named XXXX emailed me the next day on XX/XX/2022 stating the reporting ( inaccurate and not up to date ) data would remain on my credit report. I emailed XXXX back stating that I had been advised by XXXX that XXXX had not provided up to date accurate information since XX/XX/2022. I also notified him that I would be proceeding with filing a dispute and claim with the CFPB and FTC. I took the initiative to also make a report with the XXXX XXXX XXXX on XX/XX/2022.
The consumer reporting agencies broke the law and are in violation of the following subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Before I proceed, I would like to make it clear that consumer reporting agencies and those in authority at the consumer reporting agencies were made aware by Congress that the banking system is dependent upon consumer reports being fair, and accurate once they assumed the role of being a consumer reporting agency. Pursuant to 15 USC 1681 ( a ) ( 1 ). Pursuant to 15 USC 1681 ( a ) ( 2 ) Congress made it clear to consumer reporting agencies that they are an elaborate mechanism with no real standing, or authority. Pursuant 15 USC 1681 ( a ) ( 3 ) Consumer reporting agencies were not appointed this role by Congress. They assumed this vital role, and because they have assumed this vital role they have negatively affected my life, and the life of those around me by causing me severe hardship, mental anguish, and anxiety. I have been charged higher auto insurance premiums, higher surety bond insurance premiums, and unable to obtain personal guarantee business credit because of the consumer reporting agencies assuming this role.
Pursuant to 15 USC 1681 ( a ) ( 4 ) By the credit reporting agencies assuming this role, they are to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agencies were unfair and impartial by reporting erroneous information without consulting with me, the consumer, first. They have no proof that the information they are reporting is correct or even took place because they were not present. A creditors statement is not proof. XXXX and TransUnion were also impartial because of their reporting erroneous information while hearing only one side of the story. They infringed upon my right to privacy as well by engaging in a conversation about me with a third party, then reporting this information resulting from the third party conversation. I am demanding that this erroneous information be removed immediately by the consumer reporting agencies.
Pursuant 15 USC 1681 ( a ) ( b ) The consumer reporting agencies failed to meet commerces needs because this was unfair and inequitable to me. Information the consumer reporting agencies are reporting about me is not only inaccurate, but also irrelevant. Neither was this erroneous information utilized properly in a manner that was or is equitable to me. Even if this transaction occurred, it should have been confidential. They in fact, betrayed my confidence.
Pursuant 15 USC 1681a ( 2 ) ( i ) Consumer Report does NOT include ANY report containing information solely as to transactions or experience between the consumer and the person ( any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity ) making the report. The consumer reporting agencies are in violation of this law because even if the transaction did occur which they have no way of knowing due to not being present for the transaction, it was to be excluded from my consumer report because it would have been a private transaction that solely occurred between me and the person who allegedly made the report.
The consumer reporting agencies have assumed a role of life or death over my life, therefore, they must rectify this matter. Again, the outcome I demand from the consumer reporting agencies regarding the XXXX account, is to not only update the account to reflect accurate information, but to also remove this account completely from my consumer report. Thanks for your time, concern, and assistance with resolving this matter.
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| 05/07/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Recently our home was hit head on by an F-5 Tornado. FEMA and our landlord required us to move ASAP due damages. And health risk. We are currently homeless without clothing or basic needs items. In the process we lost our vehicle because we wasnt able to secure a payment.
Im requested that every creditor that is listed on my credit report thats delinquent or paid as agreed please place lenders special disaster code, Affected by Natural Disaster provided for us victims after recent natural disasters. The credit industry and government sent out this information to thousands of data furnishers on ways to protect victims, reminding them that using a special disaster code when reporting credit data is should be used.
The following guidelines for accounts affected by natural or declared disasters : For open accounts current accounts or delinquent accounts, there are two options : 1. Report the account status that applies to the account and the special comment code XXXX ( affected by natural or declared disaster ) XXXX. Report the account as a deferred account, while also using the special comment code XXXX ( affected by natural or declared disaster ) For derogatory accounts, including collections and charge- offs : Continue these accounts using these statuses but add the special comment code XXXX ( Affected by natural disaster or declared disaster ).
As a result of the tornados Im in the process of clearing up my credit history and is attempting to pay off at a lower rate and reduced repayment but as anyone it will be months if not a year before we will be able to fully play off items. The items must be accurate and placed as positive accounts once we make an agreement by both creditor and debtor signing or acknowledging by email. Its must state for exchange for settlement agreement account will be made back to normal paid as agreed and financing start over. If the creditors chose to do the above they wouldnt be required to do an investigation. They would only have to forward a email within 24 hours agreeing that they are going to do the disaster assistance.
Until this is accomplished here is the request for investigation or deletion of account. This is for XXXX, Transunion, XXXX, XXXX and listed creditors.
This is an action arising under Sections 5 ( a ), 5 ( m ) ( 1 ) ( A ), 13 ( b ), and 16 ( a ) of the Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ), 45 ( m ) ( 1 ) ( A ), 53 ( b ), and 56 ( a ) ; the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x ; and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692-1692p and will soon be used to obtain monetary civil penalties, a permanent injunction, restitution, disgorgement, and other equitable relief for Defendants violations of the FCRA, the FDCPA, and Section 5 of the FTC Act.
Our notice will also be forwarded to the Arkansas Attorney General and the Federal Trade Commission. As you are aware, The Commission is an independent agency of the United States government given statutory authority and responsibility by the FTC Act, as amended, 15 U.S.C. 41-58. The Commission is charged, inter alia, with enforcing Section 5 ( a ) of the FTC Act, 15 U.S.C. 45 ( a ), which prohibits unfair or deceptive acts or practices in or affecting commerce ; the FCRA, 15 U.S.C. 1681-1681x, which imposes duties upon consumer reporting agencies and those who furnish information to a consumer reporting agency ( CRA ) or use information obtained from a CRA ; and the FDCPA, 15 U.S.C. 1692-1692p, which imposes duties upon debt collectors.
I will be discussing my complaint as a whole and it will include everything in my consumer credit report that needs to be addressed as a matter of the laws above. My complaint will appear similar to a federal civil action due to my 23 years as a federal agent with the United States government. Therefore everyone listed should easily be able to find my complaint about their reporting etc.
TRANSUNION AS LISTED ON MY DRIVERS LICENSE AND IDENTITY FORMS MY ADDRESS IS XXXX XXXX XXXX XXXX, ARKANSAS XXXX PLEASE DELETE XXXX XXXX XXXX XXXX XXXX, AR XXXX- NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. - NOT MY ADDRESS XXXXXXXX XXXX XXXX XXXX, AR XXXX - MISSPELLED ADDRESS EMPLOYER UNITED STATES GOVERNMENT UNITED STATES SPECIAL AGENT SINCE XXXX DELETE OFFICE OF PERSONEL MANAGEMENT Date Updated : XX/XX/XXXX XXXX OFFICE PERSONNEL Date Updated : XX/XX/XXXX CUSTOMER STATEMENT : NONE REPORTED Installment Accounts : XXXX Line of credit with account # XXXX opened on XX/XX/XXXX and a balance of {$21.00}.
This account is incorrectly reporting that I have 11 late payments. On my XXXX report there are 2 late payments being reported. Please explain the difference in the accounts. I spoke before and requested for account to be closed but instead they let the account get delinquent.
XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$8900.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$3600.00}.
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX Partially secured with account # XXXX opened on XX/XX/XXXX and a balance of {$320.00}.
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account.
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
The current payment status of XXXX XXXX is incorrect because the balance due on this account is {$0.00}.
Collection account from XXXX XXXX with account # XXXX and a balance of {$1600.00}. The original creditor is 60 DAY CREDIT REPAIR. The contract with this debt collector didnt mention that they would fake sending investigations request to my creditors. I did all the work because I did my own disputing and only let this agency fake like they was doing something. Please supply me with proof that your did your job as my credit repair agency.. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Im requesting for the account to be listed as being affected by a disaster. The Consumer Financial Protection Bureau ( Bureau ) encourages its supervised entities1 to work with consumers who may be at financial risk due to the major disasters caused by disasters. These events will cause financial strain on consumers and communities. By providing flexibility and other assistance to consumers in communities under such stress, supervised entities can lessen negative impacts and hasten recovery. These efforts may also build goodwill and provide other benefits to the institutions undertaking them. When communities thrive, so do the financial institutions that serve them. Im Offering penalty-free forbearance or repayment periods with clearly disclosed terms ; Limiting or waiving fees and charges, including overdraft fees, ATM fees, or late fees ; Restructuring existing debt by, for example, extending repayment terms with clearly disclosed terms ; Refinancing existing debt or extending new credit with terms favorable to the consumer. Terms could, for example, reduce costs, limit payment amounts, or offer consumers other flexibility ; Easing documentation or credit-extension requirements ;
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| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XX/XX/2023, I ( the consumer & original creditor ) contacted XXXX Fraud Department in an attempt to remove fifteen ( 15 ) hard credit inquiries found within my consumer credit report. After 3 failed attempts ( 3 calls and 3 denials to remove the inquiries ), I was finally successful at reaching an honorable personnel of the XXXX Fraud Department considerate enough to assist in the interest of removing such accounts. The personnel attempted to verify various records held within their system pertaining to whatever verifiable information stored within their records ( information that should have been known by myself ) and none of the information recorded- except for one record, could I personally verify as correct. After further review, suspicious activity was therefore declared and all 15 hard inquiry accounts removed. ( See attachment labeled XXXX for referenced account inquiry details ) XX/XX/2023, I ( the consumer & original creditor ) contacted TransUnion Fraud Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing the TransUnion credit report of which disclosed seven ( 7 ) hard credit inquiries ; I came to the conclusion that not all of the accounts shared via XXXX 's credit report were the same as with TransUnion 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to contact the corporations listed to have them remove the accounts themselves. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( s ). ( See attachment labeled TransUnion for referenced account inquiry details ) XX/XX/2023, I ( the consumer ) contacted XXXX Fraud Department in hopes of correcting the record of accounts held by their agency. After obtaining and reviewing my XXXX consumer credit report of which disclosed four ( 4 ) hard inquiry accounts. I came to the conclusion that the accounts shared via XXXX 's credit report & TransUnions credit report were not the same as with XXXX 's consumer credit report. I ( the consumer and creditor ) have not done business with, am not under contract with, nor was consent given to any of the businesses/corporations of whom filed hard inquiries against my credit profile and I ( the consumer, original creditor : verified holder of the account ) verbally expressed the burden of being a victim of the circumstance of such improper recording and the economic duress and business compulsion being received via such fraudulent records. I informed the agent/personnel that the agency was obligated on behalf of me ( the consumer & original creditor ) to report accurate records and accounts and that no records shall be reported without my consent and that such records were made via the unauthorized use of my personal information. Therefore, since no consent was given to list such recording, I ( the consumer & creditor ) requested immediate removal of such fraudulent records. I was instead told that the outcome I seeked was not conducive and to file a complaint with the FTC and deliver a record of such complaint to XXXX Dispute Department before a correction can be made. The dishonorable actions, records & status of my consumer credit report and the agencies personnel have unjustly serviced my interest as the consumer and holder of such account ( s ). ( See attachment labeled XXXX for referenced account inquiry details ) Please allow the record to reflect that : I am aware as per Title 15 USC 1692 ( a ), Title 15 USC 1692 ( a ) ( 3 ), Title 15 USC 1602 ( p ), Title 15 USC 1602 ( g ) and Title 15 USC 1681 ( a ) ( 4 ) that I am the creditor ( the one issuing the credit, a natural person ) and the consumer and as the consumer I have a right to privacy ( be it of my private information i.e. : SSN, Address, Name and etc ) and the use of such social security card ( credit card ) without consent is unauthorized use thus constituting identity theft and Congress declared that consumer reporting agencies have a grave responsibility to insure fairness, impartiality and respect for the consumers right to privacy.
I am aware that Title 15 USC 1681a ( q ) ( 3 ) & REG V 12 CFR 1022.3 states that identity theft is a fraud committed or attempted, using the identifying information of another person without authority - and since no authority was given nor can be brought forwards or proven then the hard inquiry accounts were made via identity theft and such access granted is a violation of my privacy.
I am aware that Title 15 USC 1681 ( b ) & Title 15 USC 1681b ( e ) ( 6 ) states that Congress has declared as requirement that consumer reporting agencies take reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy and proper utilization of such information and that " Each credit reporting agency that compiles and maintains files on consumers on a nationwide basis shall establish and maintain a notification system for purposes of paragraph ( XXXX ) jointly with other such consumer reporting agencies. '' ( Meaning that all agencies shall reflect the same record ) I am also aware that Title 15 USC 1681 ( c ) ( f ) states that " If a consumer reporting agency is notified pursuant to section 1681s ( 2 ) ( a ) ( 3 ) of this title that information regarding a consumer who was furnished to the agency is disputed by the consumer, the agency shall indicate that fact in each consumer report that includes the disputed information.
I am also aware that Title 15 USC 1681b ( a ) ( 2 ) states that subject to subsection ( c ) ( Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO other : and shall be in accordance with the written instructions of the consumer to whom it relates.
I am also aware that Title 15 USC 1681s ( 2 ) ( a ) ( 3 ) states the duty to provide notice of dispute - If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
I am also aware that Title 15 USC 1681 ( q ) states that Any person which includes a consumer reporting agency who willfully and knowingly obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18.
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| 10/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions Again TRANSUNION LLC HAS NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( Haw. XXXX ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period this is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA XXXX23 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal follow federal procedures/laws.
account of interest : XXXX XXXX account number : XXXX XXXX XXXX XXXX monthly payment : {$40.00} Balance : {$1100.00} credit limit : {$1700.00} missed payments : XX/XX/XXXX, this account is listed on both my transunion credit profile and XXXX.
XXXX has already deleted and stopped reporting this account. I would highly advise that you do the same.
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| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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Transunion Credit Report Dispute By the Fair Credit Reporting Act, the list of accounts specified below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and are severely impeding my ability to get home re-financing and a car loan.
Moreover, I have been the victim of Identity Theft, have filed a police report and a report to the FTC with my reference number : XXXX ( attached ). This condition may be responsible for much of the inaccurate reporting on my credit file.
Inaccurate accounts which are preventing me from getting home credit loans 1. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete.
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and must be removed.
XXXX. Account XXXX # XXXX shows inaccurate payment history and must be removed.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed.
XXXX. Account XXXX XXXX XXXX was not authorized and must be removed.
XXXX. XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed.
My Rights : 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A states a consumer reporting agency can not furnish an account without my written knowledge 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : No other adverse item of information other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Inquiries Not Authorized The following inquiries were not authorized by me and are dragging down my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ================================ XXXX By the Fair Credit Reporting Act, the list of accounts specified below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and are severely impeding my ability to get home re-financing and a car loan.
Moreover, I have been the victim of Identity Theft, have filed a police report and a report to the FTC with my reference number : XXXX ( attached ). This condition may be responsible for much of the inaccurate reporting on my credit file.
Inaccurate accounts which are preventing me from getting home credit loans 1. Account No : XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
2. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
3. Account No : Installment Loans ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
4. Account No : Other Accounts ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
5. Account No : XXXXXXXX XXXX {$680.00}. ( 0riginal creditor not available ) This must be removed as inaccurate and incomplete.
6. Account No : XXXX XXXX ( 0riginal creditor not available ). This must be removed as inaccurate and incomplete.
7. Account XXXX XXXX # XXXX shows inaccurate payment history and must be removed.
XXXX. Account XXXX # XXXX shows inaccurate payment history and must be removed and this account was satisfied.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed.
XXXX. XXXX XXXX XXXX XXXX was not authorized and must be removed.
XXXXXXXX XXXX XXXXXXXX # XXXX shows inaccurate payment history and closure and must be removed.
My Rights : 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A states a consumer reporting agency can not furnish an account without my written knowledge 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : No other adverse item of information other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Inquiries Not Authorized The following inquiries were not authorized by me and are dragging down my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX XXXX ================================== XXXX By the Fair Credit Reporting Act, the list of accounts specified below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and are severely impeding my ability to get home re-financing and a car loan.
Moreover, I have been the victim of Identity Theft, have filed a police report and a report to the FTC with my reference number : XXXX ( attached ). This condition may be responsible for much of the inaccurate reporting on my credit file.
Inaccurate accounts which are preventing me from getting home credit loans 1. Account No : XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
2. Account No : XXXX XXXX ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
3. Account No : Installment Loans ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
4. Account No : Other Accounts ( 0riginal creditor not available. This must be removed as inaccurate and incomplete ).
XXXX. Account No : XXXXXXXX XXXX {$680.00}. ( 0riginal creditor not available ) This must be removed as inaccurate and incomplete.
XXXX. Account No : XXXX XXXX ( 0riginal creditor not available ). This must be removed as inaccurate and incomplete.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and must be removed.
XXXX. Account XXXX # XXXX shows inaccurate payment history and must be removed and this account was satisfied.
XXXX. Account XXXX XXXX # XXXX shows inaccurate payment history and closure and must be removed.
XXXX. Account XXXX XXXX XXXX was not authorized and must be removed.
XXXX. XXXX XXXXXXXX # XXXX shows inaccurate payment history and closure and must be removed.
My Rights : 15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A states a consumer reporting agency can not furnish an account without my written knowledge 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may make any consumer report containing any of the following items of information : No other adverse item of information other than records of conviction of crimes which antedates the report by more than seven ( 7 ) years 15 USC 1681s-2 ( A ) ( 1 ) states a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Inquiries Not Authorized The following inquiries were not authorized by me and are dragging down my credit score : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SS XXXX XXXX
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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These accounts, inquiries, AND account review inquiries need to be removed from my TransUnion credit report because they are fraudulent.
Accounts
Satisfactory Accounts
Account Name
XXXX XXXX XXXX XXXX**
Address
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Phone XXXX XXXX
Date Opened
XXXX
XXXX XXXX XXXXt
Account Type
Revolving Account
Loan Type
CREDIT CARD
Balance
XXXX
Date Updated
XXXX
Payment Received XXXX
Last Payment Made
XXXX
High Balance
XXXX
Credit Limit
XXXX Pay Status
Paid, Closed; was Paid as agreed
Terms
Paid Monthly
Date Closed
XXXX
Date Paid
XXXX
Remarks
Account closed at consumer's request; CLOSED
Inquiries
Regular Inquiries
Name
XXXX XXXX
Location
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On
XXXX Phone
XXXX XXXX
Inquiry Type
Individual
Account Review Inquiries
Name
TRANSUNION XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XXXX Phone
XXXX XXXX
XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On XXXX Phone
XXXX XXXX
XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On
12/29/2021
Phone
Phone number not available XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX Phone
XXXX XXXX
XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On XXXX
Phone
XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX
Phone XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX VA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Requested On
07/17/2021
Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
0XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On
XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX XXXX Phone
XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On
XXXX
Phone XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On XXXX
Phone XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Requested On
XXXX Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On
XXXX
Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX XXXX Phone
XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Requested On XXXX Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX Phone
(XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Requested On
XXXX Phone
XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Requested On XXXX XXXX XXXX Phone XXXX XXXX
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mix up one person 's information with another 's because of a similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
1. The following personal information is incorrect Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
3. 15 U.S.C 1681B ( c ) ( 1 ) ( A ) ( B ) ( 3 ) FURNISHING reports in connection with credit or insurance transaction That are not initiated by consumer.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. Did not consent to unauthorized inquiry.
4. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
I demand these items be deleted immediately. I entered the items and the outcome I desire above because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied. I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) day of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeki
ng {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX
|
| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear Consumer Financial Protection Bureau, I am compelled to seek your immediate intervention regarding the continuous and flagrant violations of the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act by XXXX. Despite numerous attempts to rectify these issues on the account XXXX, XXXX has persisted in fraudulent reporting activities on my account and consumer reports ( XXXX, XXXX, Transunion, etc ) without my explicit consent. I am formally putting any Consumer Reporting agencies that are reporting the following transactions and experiences on notice. As per the FCRA, particularly under Sections 607 and 615, it is incumbent upon creditors to ensure the accuracy and integrity of the information they furnish to credit reporting agencies. XXXX has failed in this regard, reporting erroneous transactions that have significantly impaired my credit standing and financial reputation as well as causing me great XXXX XXXX XXXX anguish. These transactions include but are not limited to late payments, account statuss, private financial information, private personal information, balances, etc. Furthermore, the Gramm-Leach-Bliley Act mandates the protection of consumers non-public personal information. The Act stipulates that financial institutions must not disclose such information without the explicit consent of the consumer. XXXX actions constitute a breach of this requirement, given that no such consent was provided for the dissemination of my personal financial data. I was not once offered an option to opt out of the sale and distribution of my private and confidential financial information to any third party data furnisher, or otherwise commonly referred to as a consumer reporting agency or credit reporting agency. This is aggravated identity theft and trafficking. I emphatically assert that under no circumstance have I authorized XXXX to share, report, or use my personal financial experiences and transactions for reporting purposes. This unauthorized disclosure not only undermines my privacy rights but also contravenes the clearly outlined stipulations of the aforementioned Acts. Additionally the misuse of my personal information in credit reporting by XXXX directly contravenes the exclusions outlined in 15 U.S.C. 1681d2a of the Fair Credit Reporting Act ( FCRA ), which prohibits the use of certain personal information without explicit consumer consent. The actions of XXXX also align with the definition of securities fraud as outlined in 27 CFR 72.11. By manipulating and misrepresenting information related to my financial securities, they have engaged in deceptive practices. These deceptive practices are taking place both publicly and in the private, back office capacity. Significantly, my consumer rights under 16 CFR Part 433, known as the Holder in Due Course Rule, have been violated. This regulation provides protection to consumers when corporations, like XXXX, sell a consumers credit contract to another lender or commercial entity, such as a collection agency entitled XXXX XXXXXXXX XXXX The sale of my credit contract to this third party entity without appropriate disclosures and consent is a serious violation of this rule. I approached XXXX in a letter recently regarding this after they lied to me about selling this unlawfully closed and charged off account to XXXX XXXX XXXX, when, in fact the account was sold to XXXX according to the collection letter I received from them. Additionally, I have sent letter after letter requesting the 1099-C Copy B for my records of income and tax bookkeeping, being completely ignored by Agents of XXXX when I politely asked for this document. The absence of a 1099-C form for debt cancellation, crucial for my tax filings, further suggests potential tax evasion practices by XXXX and I am currently already working on an IRS 3949a form to submit against this corporation if I can not retrieve the form. Their failure to issue this document has directly impacted my financial responsibilities and tax reporting obligations. In addition to the aforementioned statutes, I will be asserting my rights under the Uniform Commercial Code, specifically UCC 9-210, which grants consumers the right to request a detailed accounting or a statement of account in matters involving consumer transactions. This request is particularly pertinent given the complexities and ambiguities surrounding the alleged debt and the subsequent actions by XXXX and the collection agency involved, XXXX XXXX XXXX. Under UCC 9-210, I formally request a comprehensive accounting or a statement of the current status of the alleged debt. This request is rooted in the necessity to verify the legitimacy and accuracy of the claimed debt, especially considering the transfer of my credit contract to a third party debt collector. The lack of transparency and clarity in these transactions raises significant concerns about the integrity and legality of the debts purported balance and status. The applicability of UCC 9-210 in this context is undeniably relevant, as it directly pertains to the nature of the debt in question. The provision serves as a critical tool in uncovering potential discrepancies, fraud, or misrepresentations that may have occurred during the course of these transactions. It is imperative that XXXX and any involved collection agencies, such as XXXX XXXX XXXX provide this detailed information to ensure compliance with the legal standards governing both secured transactions and consumer credit transactions. Failure to comply with this request not only demonstrates a disregard for the statutory rights afforded to consumers under UCC 9-210 but also further implicates XXXX in potential legal infractions. This information is crucial for the validation of the debt, the status of the debt and for confirming that all transactions related to this debt have adhered to the lawful and ethical standards mandated by law. The provision of a detailed accounting or statement of accounting as requested under UCC 9-210 will enable a thorough examination of the claims and actions made by XXXX, agents of XXXX, and any assigned collection agencies that purchased this account from XXXX. It is a necessary step in resolving the ongoing disputes and in ensuring that my consumer rights are fully protected and upheld. These repeated and varied violations of the law by XXXX necessitate a comprehensive investigation and prompt corrective action. Additionally, I seek compensation for the substantial time and effort expended in rectifying these issues for months, which have caused considerable distress and inconvenience. I urge the CFPB to take immediate and stringent action against XXXX to rectify these wrongs and prevent further harm. Your immediate attention to this matter is both necessary and appreciated. If further information is needed from me, please feel free to reach out to me. Thank you for your prompt and decisive action. I would also like to state, for the record, that I am FULLY aware of what is taking place internally with these creditors, how they conduct their affairs in the back office, the mechanics of consumer credit transactions and the fraud perpetrated against the consumer who may not be enlightened of the perplex commercial crimes and extortion taking place against them. I am also fully abreast of the fraud in the banking industry. I will not stop fighting for my rights until I am made fully whole and companies like XXXX XXXX XXXX are held accountable for destroying reputations and lives of consumers. Thank you for your prompt attention to these matters. I look forward to resolving this matter. XXXX XXXX XXXX
|
| 01/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX Transunion responded that they were unable to respond to this complaint due to pending or prior litigation however this is not the case. There is no prior or pending litigation that relates to this account and any attempt to delete this file based on this claim is false and will lead to new litigation for FCRA violation for failure to respond to a consumer complaint. It has already been over 30 days since this complaint was filed and the account has not been deleted, this plus the violations listed below.
Account Name : XXXXXXXX XXXX Account Number : XXXX Account Type : Debt Buyer Responsibility : Individual Date Opened : XX/XX/XXXX Status : Collection Account. {$8200.00} past due as of XX/XX/XXXX. Status Updated : XX/XX/XXXX Balance : {$8200.00} Balance Updated : XX/XX/XXXX Recent Payment : XXXX XXXX Monthly Payment : {$0.00} Original Balance : - Highest Balance : {$0.00} Terms : 1 Months On Record Until : XX/XX/XXXX This collection appeared on my XXXX and Transunion credit reports however I disputed this account with XXXX as this account is unknown as this has numerous federal violations in the information. However this account was verified by XXXX. Then after this account also appeared on my Transunion Report. Under 15 USC Chapter 41, Subchapter V : Debt Collection Practices specifically section 1692g. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. XXXX failed to follow the steps outlined within in the timeframe allowed by the law. The first communication was made via email XX/XX/XXXX at XXXX EST which has been attached as " exhibit A initial communication. '' According to the 1692a. Definitions As used in this subchapter ( 1 ) The term " Bureau '' means the Bureau of Consumer Financial Protection. ( 2 ) The term " communication '' means the conveying of information regarding a debt directly or indirectly to any person through any medium. ( 3 ) The term " consumer '' means any natural person obligated or allegedly obligated to pay any debt. ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. ( 5 ) The term " debt '' means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. ( 6 ) The term " debt collector '' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. The term does not include ( A ) any officer or employee of a creditor while, in the name of the creditor, collecting debts for such creditor ; ( B ) any person while acting as a debt collector for another person, both of whom are related by common ownership or affiliated by corporate control, if the person acting as a debt collector does so only for persons to whom it is so related or affiliated and if the principal business of such person is not the collection of debts ; ( C ) any officer or employee of the United States or any State to the extent that collecting or attempting to collect any debt is in the performance of his official duties ; ( D ) any person while serving or attempting to serve legal process on any other person in connection with the judicial enforcement of any debt ; ( E ) any nonprofit organization which, at the request of consumers, performs bona fide consumer credit counseling and assists consumers in the liquidation of their debts by receiving payments from such consumers and distributing such amounts to creditors ; and ( F ) any person collecting or attempting to collect any debt owed or due or asserted to be owed or due another to the extent such activity ( i ) is incidental to a bona fide fiduciary obligation or a bona fide escrow arrangement ; ( ii ) concerns a debt which was originated by such person ; ( iii ) concerns a debt which was not in default at the time it was obtained by such person ; or ( iv ) concerns a debt obtained by such person as a secured party in a commercial credit transaction involving the creditor. ( 7 ) The term " location information '' means a consumer 's place of abode and his telephone number at such place, or his place of employment. ( 8 ) The term " State '' means any State, territory, or possession of the United StatesXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, or any political subdivision of any of the foregoing. The 5 days AFTER the initial communication would be would be the XX/XX/XXXX and i have attached all emails sent within in that time frame and none of the communication listed any of the required statements under the law : ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
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| 09/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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CREDITOR : XXXX XXXX XXXX ( ACCOUNT NUMBER UKNOWN DUE TO BUREAUS NOT PROVIDING IT.
NEGATIVE ITEM : 30 DAY LATE ( XX/XX/2020 ) IN VIOLATION OF CARES ACT DELETION WINDOW ENDING XX/XX/2020.
This credit dispute is being submitted as a notification of creditors who are in violation of the CARES Act during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the CARES Act or do not belong to me. Policy states...
Statement on Supervisory and Enforcement Practices Regarding the Fair Credit Reporting Act and Regulation V in Light of the CARES Act The Bureau of Consumer Financial Protection ( Bureau ) recognizes the serious impact the XXXX pandemic is having on the financial well-being of many consumers and on the operations of many supervised entities, including actors in the consumer reporting system, and the challenges of this unique and rapidly evolving situation. Last Friday, on XX/XX/XXXX, the President signed the XXXX Aid, Relief, and Economic Security Act ( " CARES Act '' ), which provides critical emergency assistance to consumers and businesses affected by XXXX and includes provisions addressing consumer reporting requirements.
Consumer report information is critical to consumers and industry in determining who obtains credit, insurance, and housing, and at what price, and who obtains employment in many cases. Consumer reporting has enormous reach, as evidenced by the over 200 million consumers in the United States who have credit files and trade lines furnished by over 10,000 providers. The continued operation of the consumer reporting system will play a critical role in the functioning of the consumer financial services market, promoting fair and efficient access to credit and benefiting consumers and creditors alike. The Bureau understands that the current crisis impacts the financial well-being of consumers and poses operational challenges for consumer reporting agencies and furnishers, including staffing challenges, that could temporarily impede their ability to timely comply with their statutory and regulatory consumer reporting obligation.
The Bureau is therefore issuing this policy statement ( Policy Statement ) to highlight furnishers ' responsibilities under the CARES Act and inform consumer reporting agencies and furnishers of the Bureau 's flexible supervisory and enforcement approach during this pandemic regarding compliance with the Fair Credit Reporting Act ( FCRA ) and Regulation V. The Bureau intends to consider the circumstances that entities face as a result of the XXXX pandemic and entities ' good faith efforts to comply with their statutory and regulatory obligations as soon as possible. The Bureau believes that this .flexibility will help furnishers and consumer reporting agencies to manage the challenges the current crisis poses. It also will enable consumers, as well as lenders, insurers, employers and other consumer report users, to maintain confidence in the consumer reporting system.
Below are examples of the flexibility the Bureau intends to provide in the consumer reporting system.
Furnishing Consumer Information Impacted by XXXX : The Bureau reiterates its prior guidance encouraging financial institutions to work constructively with borrowers and other customers affected by XXXX to meet their financial needs. While companies generally are not legally obligated to furnish information to consumer reporting agencies, the Bureau encourages them to continue furnishing information despite the current crisis. Furnishers ' providing accurate information to consumer reporting agencies produces substantial benefits for consumers, users of consumer reports, and the economy.
The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by XXXX who have sought such accommodations from their lenders.1 The Bureau expects furnishers to comply with the CARES Act and will work with furnishers as needed to help them do so.
Many furnishers are or will be offering consumers affected by XXXX various forms of payment flexibility, including allowing consumers to defer or skip payments, as required by the CARES Act or voluntarily. Such payment accommodations will avoid the reporting of delinquencies resulting from the effects of XXXX. The Bureau supports furnishers ' voluntary efforts to provide payment relief, and it does not intend to cite in examinations or take enforcement actions against those who furnish information to consumer reporting agencies that accurately reflects the payment relief measures they are employing.
Disputes : The FCRA generally requires that consumer reporting agencies and furnishers investigate disputes within 30 days of receipt of the consumer 's dispute. The 30-day period may be extended to 45 days if the consumer provides additional information that is relevant to the investigation during the 30- day period.
The Bureau is aware that some consumer reporting agencies and furnishers may face significant operational disruptions that po e challenges for them in investigating consumer disputes. For example, some consumer reporting agencies and furnishers may experience significant reductions in staff, difficulty intaking disputes, or lack of access to necessary information, 1 XXXX Aid, Relief, and Economic Security Act, Pub. L. o. 116-136, 4201 ( 2020 ) ( stating that, with certain exception, " if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consume r makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall- ( 1 ) report the credit obligation or account as current; or ( 11 ) if the credit obligation or account was delinquent before the accommodation- ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period d es cri bed in item ( aa ), report the credit obligation or account as current " ). In addition, section 3513 of the CARES Act addresses the furnishing of certain student loans for which payments are suspended.
rendering them unable to investigate consumer reporting disputes within the timeframes the FCRA requires.
Furnishers include a wide variety of businesses that vary in size and sophistication and can range from small retailers to exceptionally large financial services firms, each of which will face unique challenges due to the XXXX pandemic. In evaluating compliance with the FCRA as a result of the pandemic, the Bureau will consider a consumer reporting agency 's or furnisher 's individual circumstances and does not intend to cite in an examination or bring an enforcement action against a consumer reporting agency or furnisher making good faith efforts to investigate disputes as quickly as possible, even if dispute investigations take longer than the statutory timeframe.
The Bureau reminds furnishers and consumer reporting agencies that they may take advantage of statutory and regulatory provisions that eliminate the obligation to investigate dispute submitted by credit repair organizations and disputes they reasonably determine to be frivolous or irrelevant. The Bureau will consider the significant current constraints on furnisher and consumer reporting agency time, information, and other resources in assessing if such a determination is reasonable.
Therefore, these below disputed accounts must be deleted ....
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| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX. XXXX XXXX bankruptcy discharged Case Number : XXXX The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such informance or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies I demand this account be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXXXXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXXXXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXXXXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX Account Number : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 09/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Today, XX/XX/XXXX, I only received a copy of my credit report from TransUnion which I did not order. I also received a letter from TransUnion stating that inquiries on my credit report remain for 2 years. TransUnion failed to investigate and remove the items that should not be listed on my credit report. Had TransUnion investigated they would have found out that there is only 1 legitimate company on my credit report as an inquiry and that is XXXX XXXX-XXXX which I have a car with and a lease with currently. Had TransUnion properly investigated they would have found that all of the phone numbers they have on my credit report is incorrect and there is no record of me having these phone number under my name. Had TransUnion properly investigated they would have noticed that I do not have a contract with a company by the name of XXXX for {$1400.00} which they sold to XXXX XXXX XXXX now showing a balance of {$1400.00}. Had TransUnion properly investigated they would have found that I have no contract and never have done business with a company by the name of XXXX. It looks like they sent me something from companies that made requests from XX/XX/XXXX and that is completely not acceptable. That further proves that TransUnion did no investigation at all, but it does show that they relied on old outdated information just to generate a credit report to mail to me.
FDCPA STATES : The FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. When you get your debt validated, you request the collection agency to prove it has the legal right to collect the money. It also confirms that you agreed to pay the debt, and the amount of the debt is accurate. Any debt collection agency that refuses to follow these steps can be reported to both state and federal officials for violating the law.
I have reached out to TransUnion in XX/XX/XXXX of disputing incorrect data on my credit report and I have just received a copy of my credit report today XX/XX/XXXX and that is it. Nothing on the credit report states that an investigation had been done nor completed.
I have attached another letter requesting information be validated. Any automated response or e-oscar verification is unacceptable. I am requesting a reinvestigation and your METHOD OF VALIDATION. I am aware that the credit bureaus employ all sorts of interesting automated tactics in an attempt to deal with deadlines. Yet many times the computerized methods fail to do their job properly. According to the law, the burden of proof is on the credit bureau and not the furnisher of the information and most importantly NOT THE CONSUMER ( ME ). Therefore if you can not validate the debt, the entry must be deleted. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute validation or verification. I am formally requesting documents, bearing my signature, showing that I have a legal binding contractual obligation to pay the alleged amount. Furthermore, if at any time the account is validated I am requesting TransUnion method of validation pursuant to the FCRA, including the name of the person with whom TransUnion spoke, who has first-hand knowledge of the accounts in question. I have made this request via certified letter ( which is now a legal document ) earlier in XX/XX/XXXX and today is XX/XX/XXXX and all I received back is a copy of my credit report and a letter about the inquires. This was the fastest investigation I have ever come across in my life. In the letter sent to me TransUnion states that their goal is to maintain complete and accurate information on consumer credit reports, however this statement could not hold true if no investigation has been done at all.
All records in your files under my SSN should be correct and have my signature. I am aware that you all should have the paperwork in your files since you are reporting this negative information on my credit report. I am also aware that all info is automated and computers do make errors. It has been said that the credit bureaus lean towards retaining incorrect data, rather than the other way around, because they profit from the more data that they have. After all, the credit bureaus are essentially data brokers. So more data is worth more money, even if some if it is being incorrectly reported. I am maintaining a careful record of my communication with you for the purpose of filing a lawsuit against TransUnion should you continue in your non-compliance. I further remind you that, as in XXXX v. TransUnion Corp. No. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of receipt of this complaint may result in a small claims action against XXXX, seeking {$1000.00} per violation for. 1. Defamation 2. Negligent Enablement of identity fraud. 3. Violation of the Fair Credit Reporting Act. TransUnion has purposely bought themselves an extra 30 days for failure to investigate. Furthermore the letter that came with my credit report states that If you believe an item of information to be incomplete or inaccurate, please alert us immediately. We will investigate the data and notify you of the results of our investigation. Ummm that is what I did when I sent you the certified letters which TransUnion received on XX/XX/XXXX. How did you complete an investigation is 11 days????
I am requesting the following be deleted and blocked : XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX # XXXX I am requesting the following inquiries be removed for if you properly investigate you will find that none of the companies listed have a record or any documents bearing my signature giving them the right to inquire about my credit : XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
TransUnion Consumer Inte XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also in response to the addresses that you have on file or me those should also be removed for they are not deliverable addresses to me per the FCRA.
XXXX XXXX XXXX- XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX following phone numbers should be removed for I have never owned these numbers and if you investigate properly you will find that you will not be able to find a contract listed to me for these numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please also remove the duplicate Employer name of XXXX.
There should only be XXXX XXXX listed on my credit report under the Employment Data.
I sent this same request over to Transunion per certified ( now a legal document ) letter. The Certified receipts are as follows : XXXX Received by TransUnion on XX/XX/XXXX XXXX - Received by TransUnion on XX/XX/XXXX XXXX - Received by TransUnion on XX/XX/XXXX.
I also sent a dispute to XXXX XXXX and they have not sent me any of the things that I requested in the validation letter. Therefore XXXX needs to be deleted.
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| 02/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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To : XXXX XX/XX/XXXX I have not received a reply from either of you. Please tell me how I can resolve this issue? I'm very frustrated at how long I've been working to get this resolved. I've sent emails since XXXX to Transunion and called with no corrective action. I will go to my State Representative 's Office next if I don't get a response by Monday, XX/XX/XXXX.
Thoroughly Frustrated!
Xxxx Cell : ( xxx ) xxx-xxx Date : Thu, XXXX XXXX, XXXX at XXXXXXXX XXXX Subject : URGENT Re : XXXX : XXXX for errors on your credit report To : XXXX XXXX XXXX, XXXX I dont see where I can hit the direct dispute button for my XXXX XXXX account which was listed as good credit. Now, it is showing in a negative manner. I believe it is because the account has been removed when it should not have been.
Transunion made three errors with my XXXX XXXX account. They deducted credit points on two dates. Please see attached for dates and total points deducted from my credit score. Then they removed a perfectly good account from my Transunion report! I paid a lot of interest to have this account increase my credit score and Transunion did the complete opposite y screwing up my credit score.
I have emailed them many times and called them and cant get them to fix this problem they created. I am so frustrated. Can you please help me to fix this? XXXX XXXX is currently showing an inaccurate Transunion credit score which I need resolved ASAP.
Please call me at your earliest convenience : ( xxx ) xxx-xxxx Thank you, XXXX XX/XX/XXXX To : XXXX, XXXX Transunion, please place the account XXXX XXXX XXXX XXXXXXXX XXXX back on my report snd correct the negative credit ratings to a positive credit rating. There has been several errors made. First someone at Transunion deducted points and made my score go down twice with this account. This happened twice, once in XXXX snd once on XXXX XXXX.
This XXXX XXXX XXXX XXXX XXXX account was paid on time each month since it was a direct withdrawal from my bank account. It was, also, paid in full earlier than the contract date. I sent Transunion a dispute because of how my credit rating was negatively affected. Although, Instead of correcting my credit score and showing this account as a positive credit rating, the account was removed. Your company informed me that I needed to reach out to XXXX XXXX XXXX XXXX XXXX and have them resend my account information which I did. Ive copied them here, as well.
Please advise when my credit score is adjusted positively and XXXX XXXX XXXX XXXX XXXX is added back on as a perfect paid in full account.
I would like this to happen immediately since Ive gone back and forth on this several times since XX/XX/XXXX. Transunion made an additional error by removing a positive credit account. See below email where I was told that the account was deleted. It doesnt make sense.
This is the last time I will request these errors to be reversed. My next request will be to my State Representatives office and your governing office.
Regards, XX/XX/XXXX To : XXXX, XXXX Transunion please see below for paid off account information, add back to my credit account, reverse the negative credit ratings that were noted in XXXX and XXXX then add the positive credit points.
Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX, please confirm with Transunion my account is paid in full early and was on time each and every month.
Thank you, XXXX XX/XX/XXXX To : XXXX, XXXX URGENT : Fwd : Congratulations on Paying Off Your Lease!
XXXX XXXX XXXX XXXX XXXX, Please update Transunion and XXXX of my account which was paid off early and closed. Ive copied Transunion on this email. They told me I needed to reach out to you in order to update my Transunion credit report properly. My XXXX XXXX XXXX XXXX account was removed by Transunion and this needs to be corrected in order for my credit rating to be accurate which is showing lower than it should right now. I paid much more for the financing in order for my credit report to reflect a higher rating. Although, this account has caused me several problems with my credit score.
Please do the same with XXXX and confirm with me when this is done.
Transunions report and file identification number to reference : Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by TransUnion Consumer Relations Your Investigation Results INVESTIGATION RESULTS- INFORMATION DELETED : The disputed item ( s ) was removed from your credit report.
In response to your dispute, this item was DELETED from your credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Thank you!
XX/XX/XXXX Please help me to correct my Transunion score. Ive emailed both, XXXX and Transunion for help to fix these errors and I have not heard back on confirmation that this has been resolved. I dont want to go forward with the next step which would be to contact a third party to get this resolved. Although, this has gone unresolved for way to long.
XXXX XXXX which is now XXXX sent the email confirming my account for furniture bought through XXXX was paid off on XXXX XXXX, XXXX in full. Although, XXXX is an account on my Transunion report showing two deductions in credit. Each time my score was reduced by XXXX points. This was done in XXXX and XXXX. Please see attached and review my Transunion report.
I should have had increases to my credit score for paying on time each month and paying it off in full earlier than scheduled.
Please advise when this correction will be made to my Transunion credit report. XXXX is not showing this error, only Transunion.
Regards, XXXX XX/XX/XXXX To : Transunion I still see the error on my Transunion report! I paid on time and paid off an account early. Although, my credit report has went down XXXX points. That should have been an increase not a decrease in credit. Also, I can not log in. Im getting an error message.
Can someone please call me ASAP at XXXX to fix this?
Error XXXX XXXX ID : XXXX XXXX XXXX XXXX XXXX denied What happened?
This website is using a security service to protect itself from online attacks.
XXXX XXXX ID : XXXX Your IP : XXXX Performance & security by XXXX Thank you, XXXX XXXX, XXXX Dear Xxx, Re : Dispute Confirmation We have received all your dispute details and are starting your investigation. We want to help you ensure your data is as accurate as possible.
Next Steps : We will email you as soon as your results are ready. If you received a message on the website indicating that your dispute results won't be delivered online, then instead of an email confirmation we'll send your dispute results by postal mail.
Log in to view your results.
You can also use the above link to check the status of your dispute at any time. Remember : it can take up to 30 days to get your investigation results.
Sincerely, TransUnion Get in the know XXXX XXXX, XXXX Congratulations Xxx! You have paid your lease in full.
Because you've been such a great customer, you have been pre-approved for another lease with XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX to use your pre-approval. Youll need to enter the same banking information used with your previous lease to be eligible for this pre-approval offer. No credit check or initial payment since you're pre-approved.
To access your account, just visit your customer portal and if you have questions, please visit our FAQ page, or contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for being a valued XXXX customer!
The XXXX XXXX
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| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
2. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
3. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
4. XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
5. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX - This address is not correct. Delete it immediately from my report.
6. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, NC XXXX- This address is not correct. Delete it immediately from my report.
7. The following personal information is incorrect Account XXXX : XXXX XXXX This is not my employer. Delete it immediately from my report.
8. The following personal information is incorrect Account XXXX : XXXX - This is not my employer. Delete it immediately from my report.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
24. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
26. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
28. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
29. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
30. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
31. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
32. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
33. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
34. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
35. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Greetings, You are receiving this letter as direction to this address for service purposes was provided to me by Transunion. Please forward to your Attorney or Office of General Counsel and this is attempt to resolve a matter before lawsuit.
This letter is in regards to several attempts to resolve incorrect demographic information on my credit report dated back to XXXX Demographic that belong to XXXX XXXX including Name, Address, and Phone number. Please see report file number XXXX dated XX/XX/XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX, IL XXXX reported XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX report XXXX I am reaching out in an attempt to resolve a complaint. If a settlement can not be reached, this letter will serve the purpose of being a notice of intent to file civilly for damages stemming from the complaints. Complaint forms will also be filed with the Federal Trade Commission, twice been filed Consumer Financial Protection Bureau and in process with the Attorney General 's Office.
During the aforementioned, there were allegedly several violations of the Fair Credit Reporting Act.
Attempts to resolve in good faith were made by requesting this information be deleted from my report via Transunion on-line dispute and calls to Transunion ( Please see seek call recording and you company notes ).
The company has refused to cooperate with that request, and has several times added this information back to my report once it was removed. In my opinion, this is a play to force my hand into litigation. A play to call my bluff. There is no law mandating that you are not allowed to share those records of how many times I have disputed this information ( Demographic that belong to XXXX XXXX ) with me unless subpoenaed for it.
Violations of the Fair Credit Reporting Act Fair Credit Reporting Act : 611. Procedure in case of disputed accuracy A. Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required In general.
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Transunion is in violation as stated I have notified Transunion on several occasions of the in accurate of the Name XXXX XXXX, Phone number and Address mention above. In which Transunion deleted the information immediately and it will automatically be placed back on my report.
( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
- Transunion is in violation because this information ( XXXX XXXX Demographic ) was immediately removed lead me to false hope that it wouldnt return. At some point Transunion also believed this information was inaccurate and the reason it was removed from my report to start.
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
-Transunion is in violation by replacing all the deleted demographic of XXXX XXXX information mention above back on my credit Report.
( B ) Requirements Relating to Reinsertion of Previously Deleted Material ( i ) Certification of accuracy of information. If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer. If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information. As part of, or in addition to, the notice under clause ( XXXX ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
-Transunion is in violation by reinserting XXXX XXXX demographics on my credit report ( C ) Procedures to prevent reappearance.
A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system. Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through 62 611 - 15 U.S.C. 1681i which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
- Transunion is in violation by not having the proper prevention in place for reinserting previous disputed and inaccurate information.
Following the several disputes I have continued to experience high anxiety and depressive episodes about this interaction with Transunion. This refusal to resolve this matter has substantiates turmoil within our marriage that wouldn't have otherwise existed conducted professionally and legally. It unfortunately also reveals some of the severity of my diagnosis, which further invades her individual privacy beyond the disclosures already made in this letter. The Congressional findings and declarations of purpose of the Fair Credit Reporting Act specifically protects against collateral damage of this nature.
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| 03/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to inform you that there is 100 % improper use of the credit report. Attached to the XXXX! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, and driver 's license.
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XX/XX/XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE FRAUDULENT AND INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!
Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$790.00} Account Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$480.00} Account Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$530.00} Account Number : XXXX Account Name : XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$2900.00} Account Number : XXXX Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$3700.00} Account Number : XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Account Name : XXXX XXXX When Account Was Open : XXXX, XXXX Amount : {$750.00} Account Number : XXXX Account Name : XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$7800.00} Account Number : XXXX Remove all fraudulent, inaccurate late payments asap from the credit report.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!
Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$10000.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$20000.00} Account Number : XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Remove all fraudulent, inaccurate late payments asap from the credit report.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!
Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$20000.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$5500.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$3400.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$2000.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$5500.00} Account Number : XXXX Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$2000.00} Account Number : XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Remove all fraudulent, inaccurate late payments asap from the credit report.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO THE CREDIT REPORT! DELETE IT IMMEDIATELY!
Account Name : Dept of Ed/XXXX When Account Was Open : XX/XX/XXXX Amount : {$2000.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$2400.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$5700.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$3500.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$10000.00} Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX When Account Was Open : XX/XX/XXXX Amount : {$5400.00} Account Number : XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX Late Dates : XX/XX/XXXX through XX/XX/XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A AccountWithout My Written Instructions!!
DELETE THESE ACCOUNTS IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
|
| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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To whom it may concern : TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am writing you because there are some negative items in my credit profile, but I have not confirmed or accepted that these are accurate. I dispute these claims and demand that any negative information be removed from the reports immediately.The claims that this information in my report is negative, untrue, incorrect, incomplete, untimely, and not verifiable are unsubstantiated. I have yet to be provided physical verifiable proof that the claims of negativity within my report are true.After reviewing my report I noticed several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I refute your allegations and challenge you to provide proof that you have the right to report this incomplete negative information about me. Document that you have complied with the reporting requirements, and report without any deviations. If you have not complied with the requirements or there are any negative aspects below that have been challenged, you must remove them from my report.Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relatesAlso per 12 CFR Part 1022 ( Regulation V ) requires furnishers to : A - Furnish information about accounts or other relationships with a consumer that has integrity. B - Furnish information about accounts or other relationships with a consumer that is accurate. C - Conduct reasonable investigations of consumer disputesAccording to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards. Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate. This is important to remember because it affects the accuracy of any federally regulated reports.With that said! I found some mistakes and inaccuracies in your report and I would like to invoke my rights to dispute/challenge these inaccurate and non-compliant items. If you continue to report claims that are not perfect, it shows that you do not care about my rights as a consumer.I don't think it's fair for you to report on me in a way that isn't confirmed to be ethical and meets the standards of certified reporting.The following claims about me were not reported correctly and do not meet federal requirements. I am challenging these claims and asking for proof that the proper reporting standards Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account # : XXXX Account Status : XXXX Date Opened : XXXX Payment Amount : XXXX Term Length : XXXX Past Due Amount : XXXX Last Payment : XXXX TransUnion XXXX Derogatory XX/XX/XXXX {$0.00} XXXX {$18000.00} XX/XX/XXXX Account Type : XXXX Credit Limit : XXXX Balance Owed : XXXX High Balance : XXXX Date Reported : - Date of Last Activity : XXXX Account Description : 2 Year Payment History TransUnion Installment {$0.00} {$18000.00} {$24000.00} XX/XX/XXXX XX/XX/XXXX Individual Payment Status : XXXX Collection/Chargeoff Creditor Remarks : XXXX Charged off as bad debt Profit and loss write-off Creditor Type : - Auto Loan I insist that you update your information immediately, as it is currently inaccurate and does not meet the minimum standard for accuracy. If it is not fixed immediately, legal action may be necessary. Inaccurate data has no place in your records or on my credit report, so please erase it immediately.
Also, see the image above for XXXX ( XXXX ) XXXX ( XXXX ). Ive highlighted and circled additional areas of concern.
Lets take a look at Account # ( XXXX ) reporting XXXX. The data reported doesn't meet the required standards. It could be inaccurate because it deviates from what's allowed, so make sure all fields are correct before adding anything to my credit report I was looking at Last Payment ( XXXX ) expressing XX/XX/XXXX It is imperative that you make sure the information in your records complies with all industry standards for accuracy. I am shocked to see deviations from mandatory regulations and compliance guidelines for this account! It's clear there must be some kind of error -- please delete this account immediately! Fix things before more damage gets done.
Viewing Payment Amount ( XXXX ) demonstrating {$0.00}. You are deficient in your ability to report accurately if you can not prove compliance with federal and state regulations! I am looking for evidence that this account is compliant. Show me how exactly it meets all the requirements of current regulation?
Upon inspecting Payment Status ( XXXX ) exhibiting Collection/Chargeoff. I am writing to challenge the accuracy and compliance reports about this account. I believe there may be some issues with how it is being reported, which could affect XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX XXXX : XX/XX/XXXX future loans or decisions based on those wrong assumptions. Please provide proof that all proper procedures were followed so our records contain accurate information regarding myself!
Viewing Credit Limit ( XXXX ) demonstrating {$0.00}. I am writing to inform you that the data for this account appears inconsistent or inaccurate with established reporting standards. I would like to request a review of your information and prove its accuracy, completeness & timeliness before adding it onto my profile. I have looked over some aspects about CDIA requirements in order to make sure there are no discrepancies when reviewing accounts such as these ; please provide me more details on what is relevant so we can ensure 100 % compliance across all areas!
Lets examine Date Opened ( XXXX ) showing XX/XX/XXXX XXXX XXXX requires that all reported information be accurate and up-to-date. It's clear there have been some errors in this account, which calls into question the integrity of everything else reported on here!
Appreciatively, According to the law, you and data furnishers must certify all aspects of required FCRA/Metro 2 compliance. This must be done in a truthful, correct manner that is complete as well timely so it does not violate my consumer rights or civil freedoms!
XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX, XXXX, CA XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits.My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception.I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer.If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.
|
| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND FTC REPORT SENT!!!!!!!!!!!!!
THANKS IN ADVANCE Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page.
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the inquiries that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness.
Under the FCRA are U.S.C 1681i, all unverified inquiries MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these accounts from my credit report. Please provide me with an updated credit report showing items removed.
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization NOTE : ATTACHED IS PROOF OF IDENTITY WHICH IS SOCIAL SECURITY VERIFICATION AND ID FOR NAME AND ADDRESS AND SENT CERTIFIED MAIL THANKS IN ADVANCE Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
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| 07/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Received a response from XXXX XXXX in reference to CFPB Complaint number XXXX on XX/XX/XXXX that was inaccurate.
PLEASE NOTE THAT THERE ARE MANY SECTIONS TO THE CARES ACT STATING VARIOUS AREAS THAT ARE PROTECTED INCLUDING AMENDMENT TO FAIR CREDIT REPORTING ACT AND MORTGAGE FOREBANCE WHICH ARE TOTALLY SEPARATE UNDER THE CARES ACT.
XXXX XXXX stated be advised the loan is a convention loan ; therefore, it is not protected by the CARES Act as it is not federally-backend.
This is inaccurate due to XXXXXXXX XXXX referencing the conventional loan is not protected because they are citing the ; CARES Act Mortgage Forbearance which is different from Cares Act Amendment to the Fair Credit Report Act Section 4021 of the CARES Act modifies 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA by adding subsection ( F ). Section 1681s-2 ( a ) ( 1 ) ( F ) BUT EVEN UNDER THE CARES ACT MORTGAGE FORBEARANCE IT CLEARLY STATES ; Who is eligible for forbearance?
You may have a right to a COVID hardship forbearance if : you experience financial hardship directly or indirectly due to the coronavirus pandemic, and you have a federally backed mortgage, which includes HUD/FHA XXXX VA, USDA, XXXX XXXX XXXX and XXXX XXXX loans .
**For mortgages that are not federally backed, servicers may offer similar forbearance options. ** ** If you are struggling to make your mortgage payments, servicers are generally required to discuss payment relief options with you, whether or not your loan is federally backed** On my credit report the months, XX/XX/XXXX thru XX/XX/XXXX must reported as Current in accordance to ; Section 4021 of the CARES Act modifies 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA by adding subsection ( F ). Section 1681s-2 ( a ) ( 1 ) ( F ) provides : ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or IS NOT REQUIRED TO MAKE 1 OR MORE PAYMENTS PURSUANT TO THE ACCOMADTION, THE FURNISHER SHALL ( I ) REPORT THE CREDIT OBLIGATION OR ACCOUNT AS CURRENT XXXX XXXX admits that I contacted them on XX/XX/XXXX ( Note : CARES Act Amendment went into effect on XX/XX/XXXX but dated impacted accounts for consumers dating back to XX/XX/XXXX ) and I informed them that I was experiencing financial hardship due to being impacted by COVID-19.
So Here Is A Breakdown Of The Timeline ; XX/XX/XXXX All consumer accounts ( credit cards, loans, mortgages, etc ) CARES Act, which President Trump signed into law on XX/XX/XXXX, XXXX amended the Fair Credit Reporting Act ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING COVID-19 CRISIS. The amendment defines " covered period '' as the period starting XX/XX/XXXX, until the later of 120 days after enactment of the CARES Act or 120 days ( extended by President Biden on XX/XX/XXXX ) or after the end of the national state of emergency declaration WHICH IS STILL ACTIVE TODAY. ( See Attached Exhibit A ) XX/XX/XXXX Date I initially informed XXXXXXXX XXXX that I was experiencing financial hardship with paying my mortgage due to being impacted by COVID-19 XX/XX/XXXX Sent letter stating that my mortgage account would be deferred by 1 month. Which means based on the Amendment to the FCRA, XXXX XXXX has now agreed to make an ACCOMADATION which is defined as follows under the Amendments to the Fair Credit Reporting Act. ( Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period. ) XX/XX/XXXX XXXX due date due to XXXX payment receiving a 1 time deferment.
This Month has be reported as current In Accordance with the following ; b. Section 4021 of the CARES Act modifies 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA by adding subsection ( F ). Section 1681s-2 ( a ) ( 1 ) ( F ) provides : ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or IS NOT REQUIRED TO MAKE 1 OR MORE PAYMENTS PURSUANT TO THE ACCOMADTION, THE FURNISHER SHALL ( I ) REPORT THE CREDIT OBLIGATION OR ACCOUNT AS CURRENT. ( Agreement cover 5 months ) XX/XX/XXXX I submitted a temporary assistance request online notifying XXXXXXXX XXXX that I was still experiencing financial hardship due to COVID-19.
XX/XX/XXXX I phoned XXXX XXXX to inquire about an additional deferment.
XX/XX/XXXX letter was dated and sent to me by XXXX XXXX and in response to my request for further loss mitigation assistance due to COVID-19 hardship, XXXXXXXX XXXX sent me an approval for and accepted, a Deferment based on an evaluation of an incomplete loss mitigation application.
XX/XX/XXXX XXXX XXXX provided me a Verbal Approval for a ( 5 ) month repayment plan on XX/XX/XXXX. This repayment plan begin on XX/XX/XXXX through XX/XX/XXXX.
a. During this time XXXX XXXX stated they reported to the credit reporting agencies that my account was under a partial payment agreement during this period.
THIS IS INACCURATE REPORTING DUE TO ; b. Section 4021 of the CARES Act modifies 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA by adding subsection ( F ). Section 1681s-2 ( a ) ( 1 ) ( F ) provides : ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or IS NOT REQUIRED TO MAKE 1 OR MORE PAYMENTS PURSUANT TO THE ACCOMADTION, THE FURNISHER SHALL ( I ) REPORT THE CREDIT OBLIGATION OR ACCOUNT AS CURRENT. ( Agreement cover 5 months ) XXXX XXXX that XXXX XXXX is in fact in violation of the following ; A. CARES Act Amendment to the FCRA Section 4021 of the CARES Act modifies 15 U.S.C. 1681s-2 ( a ) ( 1 ) of the FCRA by adding subsection ( F ). Section 1681s-2 ( a ) ( 1 ) ( F ) provides : ( F ) Reporting information during COVID-19 pandemic.
( i ) Definitions. In this subsection : o ( I ) Accommodation. The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease XXXX ( COVID-19 ) pandemic during the covered period.
o ( II ) Covered period. The term covered period means the period beginning on XX/XX/XXXX and ending on the later of o ( aa ) 120 days after the date of enactment of this subparagraph [ enacted XX/XX/XXXX ] ; or o ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID-19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
( ii ) Reporting. Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall o ( I ) report the credit obligation or account as current ; or o ( II ) if the credit obligation or account was delinquent before the accommodation o ( aa ) maintain the delinquent status during the period in which the accommodation is in effect ; and o ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.
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| 08/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this recollection to me or delete this account immediately from my credit report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business.
Please delete this account from my credit report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this recollection to me or delete this account immediately from my credit report.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this recollection to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are quesonable. Either clarify this recollection to me or delete this account immediately from my credit report.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed.
Sincerely, XXXX XXXX XXXX
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| 10/03/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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TransUnion reporting issues : On XX/XX/2021 I applied for an auto loan with multiple lenders ( lending institutions that were applied to : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ) to find the best interest rate that was available to me. XXXX XXXX gave me the best rate so I accepted their offer and signed for a vehicle loan with them. At the beginning of XX/XX/2021 I checked my credit report and noticed I had a high number of hard inquiries listed on my report from one of the credit reporting bureaus : TransUnion. There were ( and currently still are ) 6 hard inquiries ( from the 6 lending institutions mentioned above ) on my TransUnion report from the day I applied for my vehicle loan. Since I applied for these loans all on the same day and they were all for the exact same vehicle, then these 6 hard inquiries associated with the vehicle I was applying for should be represented as a single hard inquiry on my credit report. FYI, the other 2 major credit bureaus DID report this correctly on their reports as a single hard inquiry. On XX/XX/2021 I put in a dispute with TransUnion to try and get them to fix their mistake. On XX/XX/2021 the results of the dispute were sent to me. I was very surprised to see that not only had they not changed the 6 hard inquiries to show as a single inquiry ( yes all 6 are still on my report ), BUT FOR REASONS I'M STILL TRYING TO COMPREHEND, THEY COMPLETELY REMOVED MY XXXX VEHICLE LOAN ACCOUNT ( THAT I HAD MADE THE FIRST PAYMENT ON AND WAS ALREADY CLEARLY SHOWING ON ALL 3 CREDIT REPORTS AS A NEW ACCOUNT ) FROM MY TRANSUNION REPORT SO NOW I HAVE NO VEHICLE LOAN SHOWING AT ALL AND THE 6 INQUIRIES ARE STILL THERE! I couldn't believe what I saw, they clearly did not read the comments I typed on the dispute report because my comments were very clear and as detailed as this complaint letter I'm currently typing. My explanation would have been very difficult to misinterpret unless the dispute report was not thoroughly read and looked into in more depth before TransUnion ruled on it. On XX/XX/2021 I contacted TransUnion customer service directly. The first person I interacted with could not comprehend what I was trying to explain or they just don't know the rules on multiple loans applied to for the same purpose within a 2 week period and that they should report as a single hard inquiry ( should be basic knowledge for anyone who deals with credit reporting documentation for a living ) so I asked to speak with a supervisor. I was told by the supervisor that the 6 hard inquiries aren't affecting anything on my report and that even though it clearly shows 6 hard inquiries, it actually means 1 hard inquiry, without him explaining how this makes any kind of logical sense whatsoever. I asked him if he could fix this issue and he told me that there was nothing he could do and if I was so adamant about getting some of the hard inquiries removed that I could contact each lending institution individually and dispute the inquiry with them myself. I SHOULD NOT HAVE TO TAKE IT UPON MYSELF TO FIX SOMETHING THAT, IS BLATANLY OBVIOUS TO ME, TO BE A MISTAKE MADE BY TRANSUNION AND THEIR REPORTING PRACTICES. I then asked the supervisor why they removed my vehicle loan account from my credit report as a solution to my hard inquiry dispute. His answer was that yes, he saw the issue, but that it was not TransUnion at fault, it was the lending institution itself that removed the loan from my report ( why would the lending institution stop reporting my loan payments to one credit bureau but not the other 2? Again, it makes no sense ). I am attaching the dispute results report I was issued which clearly shows the final solution to their investigation into my hard inquiry problem was for TransUnion to remove the vehicle loan payments from reporting to them. I honestly feel insulted that the supervisor thought me gullible enough to just take his word for everything and that he insinuated all the fault was mine and my loan lending institution 's to bear for this whole mess. It appeared to me that his main goal was to avoid admitting any kind of blame on behalf of TransUnion so that he could quickly get off the phone with me and not have to actually look into these issues any further. Luckily, I'm a highly motivated individual and I will go to great lengths to get my point across and see something through. But it really makes me wonder how many other people are affected by similar situations like this one but maybe they don't have the capability of figuring out who they can reach out to for help, so the issue falls to the wayside and never gets properly resolved? It's disheartening that such a ( supposedly ) prestigious company, who is in the position of documenting and maintaining something as important as millions of peoples ' credit reports and is trusted by lenders worldwide as a gold standard of whether someone is trustworthy to lend to, can appoint someone so lacking in initiative to a supervisor position. These credit bureaus, because of the nature of their industry, should be absolutely transparent and willing to go above and beyond to help people with issues they experience with the reporting process, much more so than my individual experience has been anyway. Their employees shouldn't just do the bare minimum of research and try to find the fastest way off the phone. How about actually CARING a little more about people and HELPING them. Credit bureaus wield a HUGE amount of power ( they are essentially publicly traded governing bodies that the government does not directly control. Why our government does not directly govern and regulate such a crucial industry as credit reporting themselves is beyond me ). You'd think they would want to have impeccable customer skills, since they deal with such a paramount factor affecting almost everyone 's lives. So in summary, my goal is to have the 6 vehicle loan hard inquiries from XX/XX/2021 changed into a single hard inquiry, and my vehicle loan reapplied as an active account to my TransUnion report, showing payments that I've made so far ( again, I've got no issue with the other 2 bureaus, their reports are both correct ). Currently, I feel that TransUnion is not accurately reflecting my credit reporting information. They were unwilling to do anything about the issues I presented to them, even though it was clearly reporting mistakes that they themselves caused. This is now causing me MUCH unneeded stress, having to take it upon myself now to figure out what to do next and how to get a company, that is looked up to as a standard in the credit reporting industry, to actually look into this situation further, admit that 2 mistakes were made on their part, and go about fixing them. I've had zero progress in dealing with TransUnion directly about these 2 issues which has brought me here, typing this letter, which I hope will help shed some light on this situation and get it fixed. If nothing comes of this complaint letter, then my next step will be to contact my state representative to see what their opinion is on the issues I'm having with TransUnion. If needed, retaining council that is familiar with the credit reporting legal practices is absolutely an exercisable option, since I am not an expert by any means on these matters and I can only do so much myself. But I believe an individual 's credit is extremely important and has a huge impact on peoples ' lives in general. And it is absolutely worth fighting for to make sure it is accurately reflected by the reporting bureaus.
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| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by TRANSUNION, XXXXXXXX XXXX XXXXd XXXX XXXX XXXX XXXX
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as TRANSUNION are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. TRANSUNION is not upholding its role pursuant 15 USC 1681. You ( TRANSUNION ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - TRANSUNION continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. You ( TRANSUNION ) are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. I signed a privacy form, which indicated that my student loan servicer would provide my transaction history to any 3rd party company, therefore these must be deleted.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from TRANSUNION, XXXXXXXX XXXX XXXX XXXX XXXX XXXX.As a violation of 15 USC 6802- you ( TRANSUNIONXXXX XXXX XXXX and XXXX XXXX XXXX XXXX ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
You ( TRANSUNION, XXXXXXXX XXXX and XXXXXXXXXXXX XXXX XXXXXXXX XXXX are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( TRANSUNION, XXXXXXXX XXXX and XXXX XXXX XXXX XXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
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| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Credit reporting agency has not conducted a proper investigation, nor have they provided proof/evidence of the investigation. After this, they have failed to removed erroneous info.
To Whom It May Concern : I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. I am not saying they are reporting right or wrong. I am just saying that I am not 100 percent sure if they are. I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the people reporting things on me, I have never heard of which made me write to you all.Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? if you cant provide proof, these accounts must be deleted. You have not truly updated nor provided me any proof.
Well I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these again and get back with me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation.
Please investigate the following accounts and remove them or provide proof of validation.
15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In generalBefore the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 U.S. Code 1681s2 - ( E ) Duty of person after receiving notice of disputeAfter receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
AccountsName of Account Account Number Provide Physical VerificationXXXX XXXX ( duplicated ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Unverified AccountXXXX XXXX/XXXX XXXX Unverified AccountXXXX XXXXXXXX Unverified AccountXXXX XXXX XXXX XXXX Unverified AccountXXXX XXXXXXXX XXXX XXXX Unverified AccountXXXX XXXX XXXXXXXX Unverified AccounXXXX XXXX XXXX XXXX Unverified AccounXXXX XXXX XXXX XXXX XXXX Unverified AccountXXXX XXXX XXXXXXXX Unverified AccountXXXX XXXX ( duplicated ) XXXX Unverified AccountXXXX XXXX XXXX Unverified Account I also read where I can get the updated report after you investigate this from the Free Lawyer guy. Could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to me electronically.Thank you for your time and help in this matter.
Violations : 5 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( 1 ) of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
*You have never had my written instruction to report on my behalf.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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| 12/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I XXXX XXXX XXXX, agent, and beneficiary of XXXX XXXX XXXX, declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, misstatements are punishable as perjury under 18 U.S.C. 1621. I am alleging that a person or a company without my authorization rather it be written, or verbal consent used my personal identifying information such as my " social security number '', name, address, etc., to buy, sell, report, or furnish my information. Charge offs and collections are certificates of indebtedness which become income once charged off and CAN NOT be reported to a consumer report. Since successful at least one of the above-mentioned misuses of my information, this debt collector and credit reporting agency is in direct violation for furnishing this unknown account on my credit report and identity theft pursuant 15 U.S.C. 1681 & 15 U.S.C. 6801. These inaccuracies have caused me much suffrage and defamation of my character.
( g ) Creditor means any person who offers or extends credit creating a debt or to whom a debt is owed. The term creditor does not, however, include any person to the extent that such person receives an assignment or transfer of a debt in default solely to facilitate collection of the debt for another.
I extended my credit, being my social security number to these companies which makes me the original creditor and grantor. Prove the contrary or delete inaccuracies from my report!
( h ) Debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services that are the subject of the transaction are primarily for personal, family, or household purposes, whether or not the obligation has been reduced to judgment.
( k ) Person includes - corporations, companies, associations, firms, partnerships, societies, and joint stock companies.
Title 18 8. - Obligation or other security of the United States defined ( Reference ) The term * '' obligation or other security of the United States* includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States XXXX stamps and other representatives of value, of whatever denomination, issued under any Act of Congress , and canceled United States stamps.
Title 31 3123. Payment of obligations and interest on the public debt The faith of the United States Government is pledged to pay, in " legal tender '', principal and interest on the obligations of the Government issued under this chapter.
The Secretary of the Treasury shall pay interest due or accrued on the public debt.
Article I Section 10 Powers Denied States Clause 1 Proscribed Powers No State shall enter into any Treaty, Alliance, or Confederation ; grant Letters of Marque and Reprisal ; coin Money ; emit Bills of Credit ; make any Thing but gold and silver Coin a Tender in Payment of Debts ; pass any Bill of Attainder, ex post facto Law, or Law impairing the Obligation of Contracts, or grant any Title of Nobility.
There have been no gold or silver coins in natural circulation since 1965, if so prove the contrary and I am aware that for you to tell me FDR Notes or any other form of unlawful payment is accepted is perjury of oath.
Please provide 1099-A which is required so that the IRS accounting department can properly account for the transfer of these securities from my account to your account. The bank ledger will show proof of funds acquired. Also please provide a 1099-C ( copy B ) as proof of cancellation of the alleged debt/charge off which is now income.
XXXX XXXX XXXX XXXX PersonalDataCollected Commercial Purposes Admission of Violation of 15 U.S.C. 1681 We use and sell personal data to nonaffiliated third parties for the following commercial purposes : Consumer credit reporting. Some of our affiliates collect, use, and sell personal data when acting as a consumer reporting agency, as this activity is regulated by the FCRA. Acting as a consumer reporting agency, these affiliates collect personal data about your creditworthiness, credit standing, credit capacity and mode of living from a variety of data furnishers, share this information with credit providers and other entities when they make decisions to extend credit or enter into transactions with you, assist lenders and other creditors with their portfolio management, and use and/or disclose personal data for other permissible purposes under the FCRA, including, but not limited to, insurance underwriting, government benefits, and employment verification, and other uses at the consent of the consumer.
Commercial credit reporting. We collect, use, and sell personal data as part of our commercial credit reporting services. These services permit our customers to make informed decisions regarding providing credit to or investing in businesses. Commercial credit reports may contain the names and other personal data of owners, principals, guarantors, or agents of the businesses.
XXXX XXXX. We collect, use, and sell personal data as part of the XXXX XXXX that we provide to our employer customers. These services enable our customers to provide services and benefits to their employees, and to help manage their workforce in compliance with laws and regulations. Please read the XXXX XXXX XXXX section for more information.
Marketing services. We collect, use, and sell personal data as part of our consumer and commercial marketing services. This includes providing customers, including digital advertisers, with personal data of potential customers to inform their marketing efforts, or permitting our customers to enhance their existing marketing lists for accuracy and effectiveness.
https : //www.transunion.com/privacy/transunion Admission of Violation of 15 U.S.C. 1681 3. Disclosing for a business purpose and selling/sharing personal information In the prior 12 months, we may have sold or shared for a commercial purpose or disclosed for a business purpose your personal information to different third parties, as detailed in the chart below. Please note that TransUnion may share your personal information for a targeted advertising purpose.
https : //www.experian.com/privacy/us-consumer-data-privacy-policy Admission of Violation of 15 U.S.C. 1681 2. What Personal Information We Collect, How We Use Personal Information, and To Whom We Disclose Personal Information We collect the categories of personal information and sensitive personal information about you as identified in the chart below. As further set forth in the chart below, in the past 12 months, we have disclosed and sold your personal information to third parties for business or commercial purposes. We use cookies and other tracking technologies, and allow our advertising partners to use similar technologies, so we can, among other things, show you ads promoting XXXX on other sites and services. These activities may be considered sales, sharing, or targeted advertising under applicable laws.
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| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Ss # XXXX XX/XX/2023 NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is, because from the looks of my credit report and all the errors I see, heres my breakdown : 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act : Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate.
They are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX XXXX Account numberXXXX XXXXXXXX XXXX XXXX Account numberXXXX XXXX XXXX Account number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asaP Your improper procedures are highly damaging to my credit score.
3. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX Account number : XXXX Validate/inaccurate reported late payments.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement
of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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| 07/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to formally dispute inaccurate information that is being reported on my credit report. Under the provisions of the Fair Credit Reporting Act ( FCRA ), I have the right to request the investigation and correction of any inaccurate or incomplete information contained in my credit file.
I have recently reviewed my credit report, obtained from XXXX, and identified the following inaccuracies : XXXX XXXX XXXX : The account is being reported as open with a current balance of {$5100.00}. However, this account was actually closed in XXXX of XXXX. How can an account be reporting an active balance if the account is closed. Please provide me with Statements, Payoff Disclosure, Interest Disclosure, Balance History, Payment History. If you can not provide accurate documentation validating this claim please remove this from my credit report, as it is reporting inaccurate information and causing financial hardship to creditworthiness.
2. XXXXXXXX XXXX XXXX : Account number XXXX. This is being reported inaccurately on my credit report. Please provide me with the Statements, Payoff Disclosure, Interest Disclosure, Balance History, and Payment History. If you can not provide accurate documentation validating this claim please remove this from my credit report, as it is reporting inaccurate information and causing financial hardship to creditworthiness.
3. XXXX XXXX XXXX : The account number XXXX is being reported on my credit file and is inaccurate. All payments were made in full and on time. However, it is reporting as a late payment which is hunting my financial creditworthiness. According to the FCRA there must be valid information verifying that this account was in fact late on a payment. Please provide me with such items, such as Statements, Payoff Disclosure, Interest Disclosure, Balance History, and Payment History that are verifying that this account was in fact late. If not, update my account as paid in full and time as this is hurting my credit profile.
4. Inquiry : XXXX XXXXXXXX XXXX : This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
5. Inquiry : XXXX XXXX XXXX : ( Date : XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
6. Inquiry : XXXX XXXX XXXX : ( Date : XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
7. Inquiry : XXXX XXXX XXXX I : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
8. Inquiry : XXXX XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be : true and accurate. If not it must be removed for reporting as inaccurate.
9. Inquiry : XXXX XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
10. Inquiry : XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
11. Inquiry : XXXX XXXX : ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
12. Inquiry : XXXX XXXX ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
13. Inquiry : XXXX ( Date XXXX ) This account is reporting inaccurate. Please provide signed documentation stating that I gave them authorization to pull my credit. The FCRA imposes responsibilities on data furnishers who provide information to the credit bureaus and the information must be true and accurate. If not it must be removed for reporting as inaccurate.
14. XXXX XXXXXXXX : This account XXXX is reporting inaccurate information on my credit report causing my credit file and is actually a business account with its own XXXX number. ( Attached will be Verification of the account belonging to a business and not my personal ) Pease remove this as it is reporting in accurately on my credit file.
These inaccuracies are causing significant harm to my creditworthiness and financial standing. According to The FCRA CODES 15 USC 1666 B and 15 U.S.C. 1681 B these inaccuracies on my credit report need to be removed and updated as they are in violation. As a result, I kindly request that you promptly investigate these discrepancies and take the necessary actions to correct my credit report. I also request that you provide me with a free copy of my updated credit report once the corrections have been made.
I would like to remind you of your obligations under the FCRA, which require credit bureaus to maintain accurate and complete consumer information. Failure to comply with these obligations may result in legal action, as provided for by the FCRA.
Please ensure that your investigation is thorough, objective, and completed within the 30-day period mandated by the FCRA. I trust that you will conduct a fair assessment of my dispute and take appropriate measures to rectify the inaccuracies promptly.
I appreciate your attention to this matter and your cooperation in resolving these inaccuracies. I look forward to receiving written confirmation of the investigation 's commencement and a timely resolution to this dispute.
Please find a copy of my ONLY driver 's license and social security card for verification of who I am.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am XXXX XXXX and I am submitting this complaint myself. These accounts still reported in my credit file and that are all inaccurate and erroneous. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 605b. I have done many attempts to reach out to credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for these accounts? The following accounts should be corrected or removed from my credit file : XXXX XXXX XXXX Balance Owed : {$28000.00} - Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that you are reporting an account that has been deleted by other credit bureaus. To comply with the FCRA, I request that you remove the said account from my credit report without delay to avoid any negative impact on my creditworthiness. XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. XXXX XXXX Balance Owed : {$0.00} - This charge off account on my credit report with a XXXX balance are causing undue stress and negative impact on my credit score. I demand that you take action to investigate and remove the charge off status to ensure that my credit report is accurate and up to date. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$860.00} - It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} - It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy, and you will correct the balance immediately. If you fail to do so, I will not hesitate to take legal action against your organization. XXXX XXXX XXXXXXXX Balance Owed : {$28.00} 349 - Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$2100.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} - It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. XXXX XXXX XXXX XXXX Balance Owed : {$0.00} - It has come to my attention that you are reporting an account that has been deleted by other credit bureaus. To comply with the FCRA, I request that you remove the said account from my credit report without delay to avoid any negative impact on my creditworthiness. XXXX XXXX XXXX XXXX : {$0.00} - This charge off account on my credit report with a XXXX balance are causing undue stress and negative impact on my credit score. I demand that you take action to investigate and remove the charge off status to ensure that my credit report is accurate and up to date. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} - It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy, and you will correct the balance immediately. If you fail to do so, I will not hesitate to take legal action against your organization. XXXX XXXX XXXXXXXX Balance Owed : {$28000.00} - Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} - I have always made my payments on time and have not been late on this account. However, the records you have presented do not match up with my own. I respectfully request a comprehensive investigation into this account and ask that any necessary updates be made to ensure legal and lawful accuracy. XXXX XXXX XXXXXXXX XXXX Balance Owed : {$1300.00} - Can you please provide documentation to substantiate that the account in question is rightfully included on my credit report and that my rights have not been violated? If such documentation can not be provided, I kindly request the prompt removal of this harmful data. XXXX XXXX XXXX XXXX : {$0.00} - This charge off account on my credit report with a XXXX balance are causing undue stress and negative impact on my credit score. I demand that you take action to investigate and remove the charge off status to ensure that my credit report is accurate and up to date. XXXX XXXX Balance Owed : {$0.00} - This account is reported in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Please provide proof of the last payment. Otherwise, remove the account abruptly. XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$860.00} - It is completely unacceptable that this account has been designated as a charged-off account, yet there is still a balance present on the statement. Explain to me immediately why this inconsistency exists. The balance is unequivocally erroneous, and I demand that you rectify the issue by either setting it to XXXX or removing the item entirely. XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3000.00} - It is absolutely absurd that a charged-off account still has a balance showing on the statement. You will provide a prompt and detailed explanation for this discrepancy, and you will correct the balance immediately. If you fail to do so, I will not hesitate to take legal action against your organization.
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| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well. I have been absent from the country for a while, when I came back to the USA I was shocked, my Identity was stolen. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that these accounts were fraudulently opened, and they have known this for several months. Therefore, I have come to you to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove these accounts immediately.
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| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
5. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
6. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
7. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX- This name belongs to someone else. Delete it from my report immediately.
8. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately.
9. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX - This address belongs to someone else. Delete it from my report immediately.
10. The following personal information is incorrect Account Number : XXXX - This name belongs to someone else. Delete it from my report immediately.
11. The following personal information is incorrect Account Number : XXXX XXXX -This name belongs to someone else. Delete it from my report immediately.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
20. XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
21. XXXX Account Number : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
24. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
25. XXXX Account Number : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
26. XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX XXXX XXXX XXXX complaints Thank You, Sincerely, XXXX XXXX
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| 08/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX a nature person and I am filing this complaint. Based on my research and the efforts made to clear this matter up, based on the rights and laws that are in place to protect my rights. My credit report is reporting incorrect, no even my name and address are correct. I have provided a detail case, with the attached. I want these accounts removed from my file and 30 days is much to long to wait, as I have worked with them and they will not operate in good faith. I have attached clear and apparent proof of these facts and it should be fairly easy to remove these items from the report, as the 30 day window has passed several times over to no avail. The following are the violations conducted upon me.
XXXX. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith from 2021 to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : TRANSUNION, XXXX, XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX, XXXX,. XXXXXXXX XXXX and XXXX XXXX.
XXXX. ( FACT ) 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ( FACT ) 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
3. ( FACT ) 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( FACT ) 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
XXXX. ( FACT ) 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
XXXX. ( FACT ) 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
XXXX. ( FACT ) 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and drives my XXXX XXXX up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received.
XXXX. ( FACT ) 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt.
XXXX. ( FACT ) 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law.
The entities have oppressed my financially and harmed my quality of life. I feel worried and XXXX when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and XXXX created by the continuous certified mailing to all parties involved. The cost of these mailings has a large financial commitment attached to them.
XXXX. ( FACT ) 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
XXXX. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation.
1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report.
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| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX ( Partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. This is the second account with XXXX XXXX XXXX, which I am filing a complaint against. I asked this credit reporting company to investigate this report and they also failed to do an actual investigation. I hope that this time the request for information in this complaint will resolve any inaccuracies when submitted. The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. I requested validation and verification of the debt they collected and never received it. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the debt that was collected by XXXX XXXX XXXX.
Detailed Request for validation of the debt : I am requesting a validation of the debt that was collected by XXXX XXXX INVESTMENTS along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX XXXX assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt was valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector had the legal right to collect on the debt, including the signed terms between the creditor and collector ( XXXX XXXX XXXX ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( XXXX XXXX XXXX ) must provide validation of the debt to the consumer within XXXX days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXXXXXX XXXXS to send me the validation of this debt as requested above. If XXXX XXXX XXXX fails to validate the debt, I dispute the reporting of this debt, and request NATIONAL CREDIT ADJUSTERS to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can validate the debt with the above request, I will accept the reporting as accurate.
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX INVESTMENTS regarding the original contract of the debt that they collected. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXXXXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX XXXX fails to verify the debt, I dispute the reporting of this debt and request XXXX XXXXXXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXXXXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX INVESTMENTS to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX XXXX must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting anticipated out of this complaint. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
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| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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INACCURATE PERSONAL INFORMATION NEEDING TO BE DELETED FROM MY CREDIT REPORT.
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX AV XXXX, WA XXXX ACCOUNTS TO BE DELETED UNDER SCRA Section 533 ( c ) ( codified at 50 USC 3953 ) XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$7400.00} {$0.00} {$4700.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Creditor Remarks : Payment after charge off/collection Account closed by consumer Credit line closed - consumer request - reported by subscriber.
Account legally paid in full for less than the full balance.
Consumer disputes- reinvestigation in progress Paid charge off Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$7000.00} {$7000.00} -- XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$11000.00} {$11000.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Paid -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Finance/Personal Personal Loan Companies -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance.
Unpaid balance reported as a loss by credit grantor.
Account legally paid in full for less than the full balance.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Note loan Note loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX -- -- High Balance : {$52000.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$0.00} -- -- Closed Date : -- -- -- Account Rating : Paid -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Paid collection -- -- Original Creditor : XXXX XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- -- ACCOUNTS TO BE UPDATED UNDER SCRA Section 533 ( c ) ( codified at 50 USC Removal of Late Payment History. Report PAID AS AGREED/NEVER LATE!
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$5800.00} {$5800.00} {$3400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Closed Closed Closed Payment Status : Current Current Current Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Consumer disputes after resolution Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$3400.00} {$3400.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX High Balance : {$180.00} {$180.00} {$200.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Clothing General Clothing Store General Clothing Store Account Status : Closed Closed Closed Payment Status : Current Late 30 Days Current Creditor Remarks : Canceled by credit grantor Account has been closed due to inactivity.
Consumer disputes- reinvestigation in progress Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$200.00} {$200.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX High Balance : {$730.00} {$730.00} {$750.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : -- -- -- Account Rating : Open Open Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Department/Variety and Other Retail Complete Department Stores Complete Department Stores Account Status : Open Open Open Payment Status : Current Current Current Creditor Remarks : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Consumer disputes- reinvestigation in progress Account previously in dispute - now resolved by data furnisher Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$750.00} {$750.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX
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| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXXXXXX XXXX XXXX bankruptcy discharged Case Number : XXXX The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such informance or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies I demand this account be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXXXXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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This a new complaint Against Transunion for not responding to the real issue and I reserve the right for this complaint responsive to a Transunion misleading sayings about my dispute. Every time Transunion I disputed over the phone with them they manipulate my dispute and stated things I didnt dispute so respond to my new complaint Transunion or content your violated the FCRA. you must respond herein in this CFPB platform and to my person and the CFPB Of what did you do in regard to the inaccuracy you are insisting to keep in my credit report in violation of the law. That was the issue and it was clear in the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dear Concerned Credit Reporting Bureau And XXXX XXXX XXXX XXXX : This is a formal Complaint by XXXX XXXX XXXX full SSN XXXX, my address is above ) and addressed to the receivers of it or it is against your institution XXXX XXXX XXXX so this Complaint also is against you the credit bureau. I am complaining against your failure to investigate appropriately and diligently a matter that I disputed with you. I am complaining against you for not willing to comply and remove inaccurate information off my records that you store in your databases and it has a significant impact on my financial reputation and my well being and other personal impacts.Your failure is a violation of the Fair Credit Reporting Act FCRA as a credit bureau who kept innacurate Information on my current credit report despite I proved to you that inaccuracy. You failure is in violation of the Consumer Financial Protection Act Of 2010 CFPA, your consent order with the Office Of The Comptroller of the Currency OCC and also your consent order with the Consumer Financial Protection Bureau CFPB as to XXXX XXXX XXXX who introduced that same exact inaccurate information against my financial records as shown in my current credit report. XXXX XXXX XXXX XXXX committed more than continouing to keep inaccurate information against me and in retaliation against me after knowing the fact and motivated by my protected activities againt this bank. The subject of this complaint is clear and is about inaccurate information in my financial records with you. After this complaint and any situation after this, I reserve all my rights and all stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any type and at any time and by my person or my representative and without waiving my rights. What is the innacurate Information that was disputed and kept against my will by the violators? Recently, upon monitoring my credit report with the concerned credit bureau institution, I discovered innacurate information on the report. The innacurate Information is without a doubt, the malicious use and forgery against my information. I will further specify the innacuracy found, disputed, requested it to be corrected or removed with my supporting evidences provided or stated to your company but still you kept it unchanged against my will and in violation of the law. my XXXX XXXX XXXX XXXX account number XXXX ( account ending in XXXX ) which I opened on XXXX of year XXXX with credit line of {$5000.00} shows on my credit report as closed which is something I rejected it to those concerned and I also have a legal dispute about it and other issues and with XXXX XXXX XXXX not only as their customer but also as an employee of that bank. The innacuracy is the wrong information shown on a new XXXX XXXX XXXX account number different from the above ( I will name it : cover-up Account ) which is under my Information and XXXX XXXX XXXX was noticed or informed of my rejection of its existence and I believe it is a fraudulent Account opened intentionally by XXXX XXXX XXXX.opening the cover-up Account is fraud and this is a different subject in different case not the primary subject of this complaint which I described above .. I believe XXXX XXXX violated the above referenced consent order to open an account with my information and against my will. The cover-up account was opened under my information but against my will,, that is a fact that is not what I disputed with you credit bureau. I further informed you in my dispute that XXXX XXXX account shown open now in my credit report ( or the cover-up account ) never existed and/or recorded in any of my credit reports or my XXXX XXXX XXXX statement at any time prior to the month of XXXX of this year XXXX and there is no way you can prove the opposite of this fact.. It is innacurate Information that cover-up Account is shown now in my current credit report with you as an account that was opened before this year of XXXX. Indeed, that is inaccurate and after I disputed it is still on my credit report as if it was opened in year XXXX or before year XXXX knowing it never existed before XXXX Isnt inaccurate to say that account was opened in year XXXX and it was not.For the credit bureau now and again through the CFPB platform and in this complaint against you, please delete the inacurate information and make sure a complete information is recorded on any of my accounts within your credit bureau. Just deleting when an account opened without further completeness is still in violation the FCRA. You didnt do anything about the inaccurate information as a credit bureau and it is your obligation .For XXXX XXXX XXXX , you committed fraud against me by opening that account ending in against my will and reporting it the way it is now on my credit report, with inaccurate information meant to cover up your other violations against me but you are to stay assured that you will be held accountable in court. Both the credit bureau and XXXX XXXX XXXX are conspiring against my person. The credit bureau insisting to keep inaccurate information to cover up XXXX XXXX XXXX fraud againt me is illegal. Each one of you is to assume the full legal consequences of your actions that I believe you did againt me in violation of the law. whether you are XXXX XXXX XXXX or the credit bureau you are responsible for the accuracy of my information by law especially when I disputed an inaccuracy and/or incorrect information about me and within you control and I proved to you by evidence that account information is inaccurate and/or should never existed .. You are obligated to correct the inaccuracy which I believe is Fraud for your knowledge that is wrong and you insist to keep it. I believe you are violating my rights and with recklessness and you were given many chances and enough time but you failed to comply to law and respect your obligations toward my personal data or my information. You must comply to the law XXXX XXXX XXXX and the credit bureau. You are going to be sued and no one will stop that without returning to me or my representative and without Waiving my rights and all my rights reserved to me or my representative. I consent to the CFPB to view my credit reports before this year XXXX and the current one with the inaccurate information as detailed above. The violators has access to what they need to comply with the law and stop their retaliation and harassment almost in daily basis and againt a singled man but protected by law and before that by XXXX. Very Respectfully, The complainant Today is XXXX XXXX You are either to answer and respond to the issue you are covering up or you contend to your wrongdoings against me in addition to your illegal retaliation for complaining against you.
All my rights reserved in any way as I stated above.
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final writtenOFFER OF SETTLEMENT BEFORE LITIGATIONas my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file.I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section XXXX6 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well asINACCURATE ERRONEOUS ITEMSsent to you previously will also become part of aformal complaint to the Federal Trade Commissionand shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that underSection 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2.What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3.My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that I incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable or Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
2. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my XXXX XXXX. Please immediately delete this item.
3. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.
XXXX Account XXXX : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumeras a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agency for actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
*Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting ActSection 611 ( a ) ( 1 ) ( A ). Be advised that thedescription of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be providedwithin ( 5 ) days of the completion of your re-investigationand I am keeping a careful record of your actions, including your Method of Verification.I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) XXXX. ) Negligent Enablement of Identity XXXX. ) Violations of the XXXX XXXX XXXX XXXX. ) XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Assistant XXXX of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX Washington, XXXX XXXX : Consumer Financial Protection BureauCC : Attorney Generals OfficeCC : XXXX XXXX XXXX : State SenateCC : XXXX XXXX XXXX XXXX : Comptroller Of The CurrencyCC : Federal Reserve SystemCC : Credit and insuranceCC : Federal Trade CommissionCC : State Regulatory agencyCC : California Regulatory agency Division of consumer complaints Thanks so Much XXXX XXXX
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| 02/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX This address is not correct. Delete it immediately from my report..
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This is not my employer. Delete it immediately from my report.
XXXX. XXXX XXXX Bankruptcy Case Number : XXXX The reporting of this account is inaccurate and it has to be removed immediately from my credit report. I do not understand why you have not removed it when the other bureaus have already done that.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX BANK Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 05/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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under the law 15 U.S. code 1681e -compliance procedures section 1681b of this title states.
( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates In furtherance and accordance with state law 15 U.S.C. 1681a ( 5 ) if, any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CREDIT REPORT. DELETE IT IF ITS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONUMER REPORT. DELETE IF IT IS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.
15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A Due to the fair credit reporting act I obtained the right to remove false information from my credit report Furthermore I would also like to investigate the accounts that I have listed as it or they are not reporting on all other credit bureaus equally or accurately due to false or incorrect or inaccurate information per the fair Credit reporting Act I have the right to dispute incomplete or inaccurate information therefore I ask that you please remove this inaccurate information from my credit report The above hard inquiries were not made by me nor did I give anybody permission to make these hard inquiries on my behalf, therefore I am asking that you please remove these inquiries as I have already contacted the corporations/persons/entities associated with these accounts and they are giving me no information I am asking the credit Bureau to please remove these accounts as they are fraudulent enclosed is my personal identification for verification purposes I hope that this matter can be fixed at your earliest convenience thank you and have a blessed day yours truly XXXX XXXX under the law 15 U.S. code 1681e -compliance procedures section 1681b of this title states.
( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure that maximum possible accuracy of the information concerning the individual about whom the report relates In furtherance and accordance with state law 15 U.S.C. 1681a ( 5 ) if, any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer agency shall- ( I ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONSUMER REPORT. DELETE IT IF ITS NOT REPOERTING ACCURATLEY.
ACCOUNT NAME : XXXX ACCOUNT NUMBER:XXXX INVESTIGATE THIS ACCOUNT ON MY CONSUMER REORT. DELETE IT IFITS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONUMER REPORT. DELETE IF IT IS NOT REPORTING ACCURATLEY ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX INVESTIGATE THIS ACCOUNT ON MY CONSUMER REPORT. DELETE IT IF ITS NOT REPORTING ACCURATLLEY According to the fair credit reporting act the above creditors/persons/ entities have violated my rights 15 USC 1681 section 602 A states I have a right to privacy.
15 USC 1681 section 604 a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681 S-2 RESPON responsibilities of furnishers of information to consumer reporting agencies ( E ) duty of person after receiving notice of dispute After receiving notice of dispute from a consumer person to subparagraph D the person that provided the information in dispute to a consumer reporting agency shall conduct an investigation with respect to the disputed information review all relevant conduct an investigation with respect to the disputed information review all relevant information provided by the consumer with the notice complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681 I A Due to the fair credit reporting act I obtained the right to remove false information from my credit report Furthermore I would also like to investigate the accounts that I have listed as it or they are not reporting on all other credit bureaus equally or accurately due to false or incorrect or inaccurate information per the fair Credit reporting Act I have the right to dispute incomplete or inaccurate information therefore I ask that you please remove this inaccurate information from my credit report The above hard inquiries were not made by me nor did I give anybody permission to make these hard inquiries on my behalf, therefore I am asking that you please remove these inquiries as I have already contacted the corporations/persons/entities associated with these accounts and they are giving me no information I am asking the credit Bureau to please remove these accounts as they are fraudulent enclosed is my personal identification for verification purposes I hope that this matter can be fixed at your earliest convenience thank you.
i ask that the credit bureaus show me written documentation on how they verified each of the listed accounts i would need all of the paper work and any and all signatures on any paper work that is associated with all of the listed accounts all documentation on how these accounts have been verified to be mine as i have clearly given each of the credit agencies proof of identity theft as i never gave any financial institutions any written permission to allow a third party none affiliate to receive my personal information 15 USC 6802 clearly states i have the right to opt out which i have clearly done so
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| 12/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Per 15 USC 6805 and FCRA and as a federally protected consumer, I am opting out of any and all authorizations reporting of my personal data to anyone without my prior written consent. Any further sharing of my personal data will be in violation of my rights under the Privacy Act of 1974 and copyright protection. My right to have a fair and equitable consumer report has been and continues to be violated by DEPT OF EDUCATIONXXXX XXXX.
In addition to the above complaint, per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT, I did not give permission to report on my consumer credit. XXXX & the listed creditors and alleged debt collectors is in violation of the law. Under 15 U.S code 1681- Permissible purposes of consumer reports. a ) general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other 2 ) in accordance with written instructions of the consumer to whom it may relates. I did not give any written instructions to furnish my transaction history on my consumer report and furthermore the FCRA 15 U.S. Code 1681a - definitions ; rules of construction SO EXCLUSION from a CONSUMER REPORT containing information solely as to transactions or experiences between the consumer and the person making the report.
Credit reporting agencies such as XXXX, Transunion and XXXX are defined by the Graham Leach Bliley Act as financial institutions subject to its rule making authority pursuant 15 USC 6804. XXXX, Transunion and XXXX are not upholding its role pursuant 15 USC 1681. You ( DEPT OF EDUCATION/ XXXX ) are not upholding your grave responsibilities with fairness, impartiality, and respect for my right to privacy in the vital role you assumed in collecting, storing, assembling, and sharing an accurate and equitable consumer credit profile on my behalf. This is MY consumer credit profile and reporting inaccurate information is a discriminatory practice and is prohibited pursuant per the Equal Credit Opportunity Act.
Your failure in responsibilities includes but not limited to, a violation pursuant 15 USC 1681a ( 2 ) ( a ) ( I ) - XXXX, Transunion and XXXX continues to furnish reports containing my transactions histories, debt utilization, payment history, inquires, and credit card balances are a few examples of transactions and experiences. A violation pursuant 15 USC 1681c ( a ) ( 5 ) - any adverse information shall be excluded from the consumer report. You are subject to civil liability pursuant 15 USC 1681n, 15 USC 1681o and a violation of 15 USC 1692c- you are acting in capacity of a debt collector when you communicate/ advertise my transaction history. You ( DEPT OF EDUCATIONXXXX XXXX ) are in violation of Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C . 1232g ; 34 CFR Part 99 ). This Federal law protects the privacy of my student education records. I signed a privacy form, which indicated that my student loan servicer would provide my transaction history to any 3rd party company, therefore these must be deleted.
My consumer report is a form of communication and advertising my transaction history is an attempt to coerce payment of the alleged debt. The provisions of 15 USC 6801 ( a ) this requires financial institutions to notify consumers of their information sharing practices and provide a right to opt out of certain sharing. I never received an opportunity to opt out of notice from DEPT OF EDUCATIONXXXX XXXX. As a violation of 15 USC 6802- you ( DEPT OF EDUCATION/ XXXX ) communicated my nonpublic personal information to unaffiliated 3rd parties without my consent and without giving me the opportunity to direct such information not be disclosed. All of the information contained in my consumer report is nonpublic personal information unless I give you permission.
DEPT OF EDUCATIONXXXX XXXX are also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you DEPT OF EDUCATIONXXXX XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. Per 15 U.S CODE 1681 ( b ) PERMISSIBLE PURPOSE OF CONSUMER CREDIT regarding inquiries, if the accounts are not open on my credit report all inquiries will have to be removed ; please provide documentation that you used to verify that the inquires ( i.e. promotional or otherwise ) are open accounts with the creditor. Please be advised that I dispute the validity of the listed alleged debt in its entirety. I request a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. Be advised that a billing statement, notice or any unsigned document is not verification of the alleged debt. You are on notice that you are unlawfully attempting to collect the listed alleged debt. If you opt to provide verification, also provide me with proof of the chain of title ownership of the debt. Also, if the alleged debt was acquired by a debt buyer, you would also need to provide proof of the chain title of the alleged debt, and this must be from the original creditor to the current alleged without a break in chain.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data. Failure to remove these debt collection accounts and update transactional history as PAID AS AGREED/ON-TIME on these accounts within 4 days from my consumer report as requested will result in legal matters being taken upon you. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. During this time collection activity must cease and desist. If any adverse action that is taken during this validation period that negatively impacts my Credit Report, including any potentially inaccurate information, I will instruct my legal consul to take relevant action against the guilty parties. You must immediately remove the collections you fraudulently placed on my credit reports until such a time as the debt is proven valid. If I personally do not receive any response from you for VALIDATION of this account within 4 days, all references and claims to this account must be deleted from your files. Adverse actions taken against me denying my rights, of which the civil damages pursuant to 15 USC 1611 ( 1 ) are up to { { { {$5000.00} } } } per violation, civil damages for 15 USC 1692 ( j ) are up to { { { {$1000.00} } } } .per violation NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE.
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| 03/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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TENDER OF PAYMENT REMINDER NOT REFLECTING MY ACCOUNT XXXX Contract # XXXX XXXX XXXX contract # XXXX XXXX.
As of XX/XX/XXXX and XX/XX/XXXX XXXX alleges that i had a debt with them when this is false. I have never met with anyone from XXXX XXXX nor with anyone from XXXX XXXX a government agency. In fact the document they continue to mail to me, has the name on it XXXX XXXX XXXX and none other listed. I did not give consent to transfer of my home information thereto another company or bank as a security nor have i benefited from the payment that came from my Social Security account concerning the alleged debt. More over the reporting is false.
XXXX first came on the scene introducing themselves as the lender. Later i received letters from XXXX XXXX saying they where the lender. This is also false and mail fraud, extortion attempting to get money from me after i had made the original offer of payment back on XX/XX/XXXX. Todays date is XX/XX/XXXX approximately eight months ago.
I have received multiple letters from their XXXX XXXX XXXX department claiming that i could not transfer property via the Government Obligation Coupon and this is also false and mail fraud and fraud attempting to export money from a human though the mail. See XXXX codes and laws. I XXXX ; XXXX Tendered a payment thereto XXXX XXXX XXXX XXXX XXXX. Whom of which i do not have a mortgage contract with but i have been getting letters since XX/XX/XXXX. My original contract for a mortgage was with XXXX XXXX Financial located at XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, NV XXXX. Where i had a meeting of the minds with one of their employees. I XXXX XXXX XXXX have never met with or had a meeting of the minds with anyone from XXXX XXXX nor with XXXX XXXX. I have attempted to make contact wit them and to therefore tender payment in full as request. On XX/XX/XXXX i received a letter thereto XXXX XXXX XXXX that XXXX respectfully Decline the Government Obligations Remittance Coupon/Tender of Payment in the full amount she requested on XX/XX/XXXX in the amount of {$390000.00}. So i tendered that payment via USPS mail signature required. Well " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83.This means a Mortgage on all the homes, and other property of all the people of the nation, please disclose what is different about the mortgage Deed of Trust which is a mortgage that exempts your collections or servicing agency of said law? Please point out what pages state that they are exempt from the tender of payment and the law? XXXX XXXX also stated in her letter that XXXX will not accept nor honor the Government Obligation Remittance Coupon please explain why in full detail? So i ask, respectfully, what is in the alleged Deed & Trust Mortgage contract that exempts XXXX XXXX the Servicer or XXXX XXXX is the alleged owner of the debt to receive this payment and why. Please provide the page numbers on the contract that exempts XXXX the Servicer and XXXX XXXX from this type of legal Tender? Please provide proof of the meeting of the minds whereas during the alleged documents signing, someone from XXXX or XXXX XXXX or XXXX XXXX Financial explained this with full Disclosure? If you can not accept this payment you must discharge this debt under the law The Fifth Amendment does not command that property be not taken without making just compensation? That Valid contracts are not property, whether the obligor be a private individual, a municipality, a State or the United States? Your documents falsely states that XXXX ; XXXX had a meeting between the minds with XXXX XXXX or XXXX XXXX representatives, this is false. You also stated in your documents that the tender of payment offer can not transfer or settle payment for said property. This is also false. Therefore the contract consist of property in the state, therefore this is State Property, as mentioned within the Tender Of Payment the contract you present is void, by rule of law. Therefore the Government owner of said property can alter or change the contract agreement when the law says once Tender of payment has been offered and received the contract is automatically altered, by rule of law. The agreement or contract is a unilateral contract modified presented by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Thus is Fictitious Conveyance of Language! See RICO ACT. Sent through the mail. As well Mail fraud extorting money through the mail.
3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, XXXX XXXX XXXX, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. If presentment is required with respect to an instrument and the obligor is able and ready to pay on the due date at every place of payment stated in the instrument, the obligor is deemed to have made tender of payment on the due date to the person entitled to enforce the instrument. By your declining of the Tender of Payment you are now obligated under law to Discharge the debt 3-602. PAYMENT. ( a ) Subject to subsection ( b ), an instrument is paid to the extent payment is made ( i ) by or on behalf of a party obliged to pay the instrument, and ( ii ) to a person entitled to enforce the instrument. To the extent of the payment, the obligation of the party obliged to pay the instrument is discharged even though payment is made with knowledge of a claim to the instrument under Section 3-306 by another person. ( b ) Subject to subsection ( e ) a note is paid to the extent payment is made by or on behalf of a party obliged to pay the note to a person that formerly was entitled to enforce the note only if at the time of the payment the party obliged to pay has not received adequate notification that the note has been transferred and that payment is to be made to the transferee. A notification is adequate only if it is signed by the transferor or the transferee ; reasonably identifies the transferred note ; and provides an address at which payments subsequently can be made. Upon request, a transferee shall seasonably furnish reasonable proof that the note has been transferred. Unless the transferee complies with the request, a payment to the person that formerly was entitled to enforce the note is effective for purposes of subsection ( c ) even if the party obliged to pay the note has received a notification under this paragraph. XXXX and its employees stated in writing information that XXXX XXXX XXXX was not made aware of during the alleged contract disclosure, and thus is language fraud. Please see attachments
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| 08/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
To Whom It May Concern, In the course of recently screening my personal Transunion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
7. The inquiry was not authorized XXXX XXXX I Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
8. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
9. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NY XXXX 10. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, PA XXXX 11. The following personal information is incorrect Account Number : Employers : XXXX XXXX 12. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
16. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
19. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
20. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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RE : 1.I don't remember being late on this account, please prove this!
XXXX XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
2.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX Account XXXX Please remove it from my credit report.
3.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
5.The following information is outdated. I would like it removed from my credit history report account number XXXX ... ... ... XXXX XXXX XXXX balance XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX XXXX account number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX XXXX Account number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX XXXX Account number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information Account info XXXX XXXX Account number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX XXXX XXXX & account number XXXX XX/XX/XXXX Consumer disputes- reinvestigation in progress, Collection account Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all.
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXX Paid account/was a collection account, insurance claim or government claim or was terminated for default Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all.
XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX account number XXXX Charge Off/Other Derog Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX XXXX & XX/XX/XXXX account number XXXX XXXX days past due Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXXXXXX XXXX account XXXXXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX 30 days delinquent Account Number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX XX/XX/XXXX Account Number XXXX Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at al XXXX XXXX Credit Card XXXX XXXX XX/XX/XXXX Account XXXX XXXX XXXX 30 days delinquent Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Account Number XXXX XXXX Paid account/was delinquent 60 days past due dat Please investigate and delete from my credit report.
4.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information also my other credit beaus do not have this information at all According to my most recent credit report, your company is currently reporting to the three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report.
XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus.
The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry i also will like to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.
What I am disputing : The late payments you have reported to the three credit bureaus.
My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late.
If you wish to send me documentation that you will remove all derogatory information from this account, that is all I will require.
Otherwise, please provide me with your documentation showing that these payments were indeed late. Please send me copies of the statements, as well as, any and all payment receipt documentation in your possession, for the months you are reporting that I was late. Send me proof of the date the payment was due and the date the payment was made which caused you to report me as being late.
Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe.
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| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I made Multiple Attempts on Website /Declined it ( see proof attached ) Disputed by Mail and by Phone But Transunion Failed to complete my disputes and correct multiple Major incorrect information on my Credit report TransUnion XXXX XXXX XXXX XXXX 2000 XXXX XXXX PA XXXX Subject : Transunion Failed to XXXX my Disputes and correct my Credit report File Number : XXXX I- Request for Immediate removal of the incorrect personal information in my credit report in Compliance Credit Reporting Laws and Regulations II- Notice of Formal Dispute The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies.
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days.
In accordance with the Fair Credit Reporting Act XXXX. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], provide clear and accurate consumers information : Pursuant to FCRA section 611 ( a ) ( 2 ) 9A ) and section 609 ( c ) 91 ) you are required to provide me ALL relevant information gathered during your investigation ) Transunion Repeatedly Refused Remove the inaccurate personal information from my credit report cousin emotional distress as well as financial distress Transunion Repeatedly failed to provide an option for me to dispute the incorrect personal information onLine, thus costing me additional money ( paper, ink, mailing fee, postage fee ) I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Report Number XXXX Under ALSO KNOWN AS XXXX XXXX I In -accurate Transunion refused to Delete, Failed to clearly and accurately report my name Addresses Other Address to be deleted. XXXX XXXX XXXX XXXX, FL XXXX Other Address to be deleted. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Other Address to be deleted. XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone Numbers Phone Number to be deleted. ( XXXX ) XXXX Phone Number to be deleted. ( XXXX ) XXXX Phone Number to be deleted. ( XXXX ) XXXX Phone Number to be deleted. ( XXXX ) XXXX Item # XXXX Reasons Additional comments XXXX XXXX XXXX XXXX Please DELETE I have no knowledge of this collection account LVNV Failed to Validate this debt. I Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Requested for Documentation in Compliance with Fair Debt Collection Practices Act FDCPA Supporting Document File Size Document Type XXXX XXXX XXXX- CFPB complaint and Notice of Dispute.pdf XXXX KB Attached Item # XXXX Reasons Additional comments XXXX XXXX XXXX XXXX XXXX Please DELETE I have no knowledge of this collection account MidlandCM Failed to Validate this debt .Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act ( FDCPA ) Supporting Document File Size Document Type MidlandCM Dispute Dollars XXXX CFPB XXXX XXXX KB Other relevant documentation Item # XXXX Reasons Additional comments XXXX XXXX XXXX XXXX XXXX Please DELETE I have no knowledge of this collection account XXXX XXXX to validate this debt. I Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act Supporting Document File Size Document Type MidlandCM Dispute Dollars XXXX CFPB XXXX XXXX KB Other relevant documentation Transunion XXXX was to my phone and email and website disputes : Since names, addresses and employers don't affect your XXXX XXXX, consider disputing only clearly incorrect personal info, as opposed to small spelling errors.
XXXX " Dispute Temporarily Unavailable.
Looks like theres a temporary error.
What to do now : Please wait a few minutes and try again. Return to the Dispute Center.
To report this error, contact our Website Access Support team '' ****Transunion Please Remove his Inaccurate information as being in Dispute from my credit report Immediately Sincerely, XXXX XXXX XXXX : XXXX XXXX XXXX Notice of Formal Dispute I am writing to formally dispute Inaccurate information as presented in credit Reports Generated by you. I am currently disputing the validity and accuracy information listed below and demand that you either provide all the necessary documentation as required by tFCRA and the consumers right laws, or DELETE the inI I XXXX XXXX once again Dispute the Inaccurate information as it appears in the credit reports generated by you Report Number XXXX Under ALSO KNOWN AS XXXX XXXX I In -accurate Transunion refused to Delete, Failed to clearly and accurately report my name Addresses Address not mine to be deleted : XXXX XXXX XXXX XXXX XXXX FL XXXX Address not mine to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Address not mine to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone XXXX Phone Number NOT Mine to be deleted : ( XXXX ) XXXX Phone Number NOT Mine to be deleted : ( XXXX ) XXXX Phone Number NOT Mine to be deleted : ( XXXX ) XXXX Phone Number NOT Mine to be deleted : ( XXXX ) XXXX Item # XXXX Reasons Additional comments XXXX XXXX XXXX XXXX Please DELETE I have no knowledge of this collection account LVNV Failed to Validate this debt. I Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Requested for Documentation in Compliance with Fair Debt Collection Practices Act FDCPA Supporting Document File Size Document Type XXXXXXXX XXXX XXXX- CFPB complaint and Notice of Dispute.pdf XXXX KB Attached Item # XXXX Reasons Additional comments XXXX XXXX XXXX XXXX XXXX Please DELETE I have no knowledge of this collection account MidlandCM Failed to Validate this debt .Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act ( FDCPA ) Supporting Document File Size Document Type XXXX Dispute Dollars XXXX CFPB XXXX XXXX KB Other relevant documentation Item # XXXX Reasons Additional comments XXXX XXXX XXXX XXXX XXXX Please DELETE I have no knowledge of this collection account XXXX Failed to validate this debt. I Request for Documentation in Compliance with CFPB Debt Collection Regulations. I Request for Documentation in Compliance with Fair Debt Collection Practices Act Supporting Document File Size Document Type XXXX Dispute Dollars XXXX CFPB XXXX XXXX KB Other relevant documentation Transunion in Violation OF Fair Credit Reporting Act Transunion is in Violation of my Rights as consumer as described under Fair Credit Reporting ACt Transunion is obligated by law to provide my personal information accurately and truthfully ***I demand that you either provide proof and validate the inaccurate personal information listed above or DELETE them Immediately from my credit report ***In the absence of providing the requested documentation, I demand that you DELETE them Immediately from my credit report I appreciate your attention to this matter and your prompt response. If you have any questions or need further clarification, please do not hesitate to contact me at the phone number or email address provided above.
Sincerely, XXXX XXXX Address : XXXX XXXX XXXX XXXX Fl, XXXX Phone : XXXX XXXX XXXX
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX Dear TransUnion LLC Consumer Dispute Center, I am writing to inform you that you have violated the United States Code Law, specifically the Fair Credit Reporting Act ( FCRA ) by refusing to delete inaccurate, unverifiable, and invalidated information from my consumer file. As per the FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance, and 15 U.S. Code 1692k civil liability, I am entitled to seek relief and monetary compensation.
I am offering you a final written offer of settlement before litigation, as my attempt to resolve this matter amicably. If you fail to comply with this offer of settlement, I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617.
Please note that the unverified items listed below still remain on my credit report, and you have not provided me with a copy of any original documentation, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) to verify that this information is mine and is correct. Under Section 611 ( a ) ( 7 ), you are required to provide the method of verification, which you have failed to do so. Moreover, under Section 611 ( 5 ) ( A ) of the FCRA, you are required to promptly delete all information that can not be verified.
I demand that the following inaccurate, unverifiable, and invalidated items listed below be deleted immediately from my credit report, or I will pursue legal action : 1. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
2. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
3. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
4. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
5. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
6. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
7. Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
8. XXXX XXXX Account XXXX : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX/XXXX Account Number : XXXX Please remove it from my credit report.
20. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
21. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
22. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX. The following personal information is incorrect DATE OF BIRTH : XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXXXXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. Did not consent to unauthorized inquiry WF PLL Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, A XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
As per the FCRA, I have the right to verify the accuracy of my credit report, receive notification if information in my file has been used against me in applying for credit, dispute and have the bureaus correct and delete information in my report that is incomplete, inaccurate, and unverifiable, and remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
Please consider this letter as a formal complaint to the Federal Trade Commission and evidence in pending litigation if you fail to comply with this offer of settlement.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 08/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : 1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Mistaken Identity XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity ThefXXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
However, they stated everything was complete and accurate. How is that possible if the open date, date of the last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that arent reporting correctly.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other item of information, other than records of convictions of crimes, antedates the report by more than seven years.
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Also, they arent even in compliance with metro 2 credit reporting. I have evidence to prove my case
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| 07/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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FTC filed these accounts are not my obligation XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$550.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$550.00} {$550.00} Payment Info Original balance {$550.00} Balance {$550.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, OHXXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXX Original creditor : XXXX {$1600.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1600.00} {$1600.00} Payment Info Original balance {$1600.00} Balance {$1600.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, MA02062 ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX Original creditor : XXXX XXXX. XXXX. XXXX {$650.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$650.00} {$650.00} Payment Info Original balance {$650.00} Balance {$650.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX, MD21264 ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX.
{$340.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$340.00} {$340.00} Payment Info Original balance {$340.00} Balance {$340.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, VA23502 ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX.
{$560.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$560.00} {$560.00} Payment Info Original balance {$560.00} Balance {$560.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA92108 ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account When your account is in collections, consider these options : Verifying the debt You can ask for a debt validation and verification letter confirming details of the debt. Consider keeping copies of written communication with the debt collector for your records.
You have 16 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX Mortgage Reporters Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, NJ XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX XXXX Automobile Dealers, Used Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email POLICE AND FIRE FCU/PA Credit Unions Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX, XXXX XXXX All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX By Mail Only Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX/XXXX XXXX And XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email US SM BUS ADMIN ODA Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Is everything correct?
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX violate my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f
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| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Transunion XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Last 4 of SS # : XXXX File # : XXXX Dispute Information for Review and Consideration : Account Info : Creditor Name : ( XXXX XXXX ) is the alleged creditor also known as XXXX Acct. # : XXXX Acct. Type : Installment Account Date Opened : XX/XX/XXXX Open/ Closed : Closed Status : Repossession Status Updated : XX/XX/XXXX Balance : {$6800.00} Balance Updated : XX/XX/XXXX Original Balance : {$20000.00} Monthly Payment : {$670.00} Past Due Amount : {$6800.00} Term : 48 Months Responsibility : Individual Account Contact Information : XXXX XXXX XXXX, XXXX XXXX CA XXXX ; XXXX Reasons for Dispute : XX/XX/XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX CA to XXXX XXXX XXXX XXXX XXXX CA to purchase a vehicle that had been discussed in a telephone conversation with XXXX XXXX Upon arriving at the location where the car was advertised as for sale, XXXX XXXX was notified that the vehicle was not at the lot.
XXXX was then offered a different vehicle, a used XXXX XXXX, see Exhibit XXXX.
On XX/XX/XXXX, XXXX placed a down payment of {$4000.00} on a XXXX XXXX, and then proceeded to XXXX XXXX the vehicle ; see Exhibit XXXX.
On XX/XX/XXXX, following the XXXX XXXX, XXXX and XXXX XXXX agreed that there were mechanical problems with the transmission of the XXXX XXXX.
On XX/XX/XXXX XXXX was then offered another car, a ( XXXX XXXX ), XXXX model with a VIN number of : XXXX.
XXXX test drove the XXXX XXXX and was aware of brake issues, but decided to purchase the car given the generous financing terms and the overall condition of the vehicle.
On XX/XX/XXXX, XXXX informed XXXX XXXX that the car was being purchased for his business needs and specifically asked numerous questions at acquisition of the vehicle, and two of the main questions that he emphasized were as follows : Does the car have any open recalls? And is the title clean? ; in both instances the dealer indicated that the title was clean and that there were no open recalls.
XXXX then offered an additional {$1000.00} down payment towards the XXXX XXXX, making the total down payment {$5000.00} ; see Exhibit XXXX.
Upon taking possession of the XXXX XXXX and executing the financing contract, XXXX then took the XXXX XXXX to a mechanic in XXXX XXXX, CA known as XXXX XXXX XXXX, where the braking system was repaired for roughly {$750.00}.
XXXX then utilized the car for his business purposes as the purchase was intended for.
XXXX was later informed by his business partner, following an investigation that there were two open recalls consistent with the XXXX XXXX.
The two recall numbers are XXXX and XXXX.
XXXX represents an exhaust emission condition which coalesces with the catalytic converter, making the car unsaleable.
Selling a car with emissions violations is illegal according to the laws of California.
The XXXX recall represents the oil consumption part recall which is still open and not fixed, similar to the XXXX recall which is also open and still not fixed as well.
Both of the recalls, XXXX and XXXX are detailed with attachments in this dispute packet and are included for your reference, as Exhibit XXXX.
XXXX indicated a point of contact with XXXX XXXX XXXX who can also verify this information and the reference number is included as well, which is time and date stamped, in the event the repairs are attended to in some way prior to a decision being reached on this dispute, and are included as Exhibit XXXX.
XXXX investigated the status of the two open recalls to see if it was possible to have them fixed immediately after purchase, and it was determined that it was not.
An estimated time of possible repair was dramatically indefinite, because the parts for the repairs of these two open recalls at issue were not available, and had been unavailable for the past six months with no understanding as to when they would become available.
The recalls had been open prior to purchase and the necessary parts for the repair had been on back order for over six months with no definitive time of arrival and repair completion.
The outstanding recalls made the car unusable for XXXX business, and XXXX XXXX was aware that the car was being purchased for business purposes.
XXXX notified XXXX XXXX, of this issue, and returned the car to the dealership; leaving the keys in the car and notifying the dealer of the location of the car upon return.
Selling a car without disclosure of an emissions XXXX recall violates California emissions laws and constitutes consumer fraud.
XXXX is also protected by lemon laws in this instance and the sale of the XXXX XXXX is null and void for these reasons and the finance contract is unenforceable.
This merchant is asserting a debt instrument which is in violation of XXXX FCRA rights.
XXXX attorney is XXXX XXXX, of XXXX, XXXX, XXXX and XXXX, located in XXXX, IL at address XXXX XXXX XXXX XXXX, Suite XXXX in zip code XXXX. His phone number is XXXX or XXXX and his email is XXXX ; and Transunion is free to contact him with regards to this matter.
XXXX XXXX has agreed to help XXXX with this particular issue, and is equipped to handle this matter, since it is a federal violation of XXXX consumer rights and is asserted in the face of FCRA reporting statues, designed to prevent abuses like these.
I have attached supporting documentation to show you the various vehicles being advertised by this dealer which were initially paid for, then the sale was revoked and a different sale took place, and each vehicle was unfit for sale in every instance ; this information is attached as Exhibit XXXX.
XXXX is also including the recall information that was made available to him by the XXXX XXXX XXXX customer service XXXX representative who looked into the current status of the recalls to date and historically ; this information is attached as Exhibit XXXX.
Upon investigation, the representative who researched the status of the recalls informed XXXX and sent to him via email the recalls that were open prior to purchase, the current status and the status at the time of return ; this information is attached as Exhibit XXXX.
The XXXX recalls that allowed for the deceptive and fraudulent sale of the vehicle are still open and not repaired, where the merchant is again asserting that it was sold to a different consumer an additional time without repair.
There is also still an unclear timeline as to when the part can be supplied and when the repair can be scheduled, as the parts are now available but the recall XXXX is so difficult and cumbersome to perform that it is not always feasible or possible to complete even with parts and effort.
XXXX indicated a point of contact with XXXX XXXX XXXX who can also verify this information and the reference number is included as well, which is time and date stamped, in the event the repairs are attended to in some way prior to a decision being reached on this dispute, and is included as Exhibit XXXX.
XXXX is being considered for consumer fraud and violations of XXXX federally protected rights consistent the Fair Credit Reporting Act.
The case number with XXXX XXXX XXXX is XXXX and the phone number that was used was provided by an alternate XXXX dealership when XXXX called and inquired about the status of the recalls, and this phone number is XXXX.
Bank XXXX XXXX also agreed with XXXX that the above transaction constituted consumer fraud and reversed the debits totaling {$5000.00} ; see Exhibit XXXX.
|
| 04/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The XXXX code is XXXX.
The University of XXXX XXXX XXXX XXXX, disabled both my access to e-statements and stopped sending paper statements. This is acknowledged in XXXX XX/XX/XXXX response to my billing error notification sent on or around XXXX XX/XX/XXXX, by XXXX XXXX XXXX associate XXXX XXXX. In that e-mail XXXX explains the system automatically took this action. The access was allegedly re-enabled, but had been disabled again by early XX/XX/XXXX. Therefore, I did not receive statements for periods from the onset in XX/XX/XXXX thru present. XXXX was given the statutory two ( 2 ) full billing cycle periods to correct the billing errors. When the XX/XX/XXXX billing statement did not arrive, I notified XXXX again on XXXX XX/XX/XXXX. XXXX XXXX responded again acknowledging the error and stated I would have no further online access as my online banking access was now locked. In a XXXX XX/XX/XXXX follow-up, I asked XXXX if XXXX could XXXX I was receiving paper statements. I received no response.
My accounts were reported by XXXX to the CRAs on or around XXXX XX/XX/XXXX as charged-off.
I filed at least two ( 2 ) billing error notices, apprising XXXX that I was not receiving statements and was unable to retrieve them via the banking portal. XXXX acknowledged this in two ( 2 ) different responses, but has not been able to rectify the situation.
It is the unlawful for XXXX to report derogatory information to he CRAs regarding my accounts for the period beginning XXXX XX/XX/XXXX thru present because a billing error notice was sent to XXXX.
Thus, the derogatory information for accounts must be removed from my credit report and/or the account/tradelines and associated information must be expunged.
ISSUES IN DETAIL I. XXXX FAILED TO PROVIDE PERIODIC STATEMENTS IN COMPLIANCE WITH REGULATION Z The accounts with for which XXXX has continued to report delinquent history and subsequently charged-off are open-ended accounts. Billing cycle regulations are governed by Regulation Z, 12 CFR Part 1026.2, which requires the minimum duration between statement generation date and statement due date be twenty-one ( 21 ) days. Moreover, Regulation requires that the date on which a payment is due may not vary by more than four ( 4 ) days.
Simply put, I have received zero ( 0 ) statements since XX/XX/XXXX. This is something XXXX acknowledged per the reply of XXXX XXXX on or around XXXX XX/XX/XXXX.
II. XXXX FAILED TO CONDUCT BILLING ERROR INVESTIGATIONS AND FIX BILLING ISSUES 12 CFR Part 1026.13 outlines the actions that a financial services institution must take when it receives a billing error notice and prohibits certain actions from taking place upon receipt of that notice. XXXX initially responded to my XXXX billing error notice on or around XXXX XX/XX/XXXX. XXXX XXXX informed the steps he'd taken to allegedly correct the error, but did mention the system was automatically preventing me from accessing my accounts online. I notified XXXX XXXX of the same issue again around XXXX XX/XX/XXXX. On XXXX XX/XX/XXXX XXXX again acknowledged the system was disabling the access due to the status of my accounts and would be permanently disabled thereafter. I asked XXXX to then confirm that XXXX system was mailing my statements because i had not received any statements between XXXX XX/XX/XXXX and XXXX XXXX XXXX. XXXX could not provide me with a statement and instead provided me with a screen-dump lacking the information required on any periodic statement/billing notice compliant with 12 CFR 1026.
At some point, without confirming statements were being mailed, and with XXXX fully aware that I was not able to log into the online system to retrieve paper statements, fully aware that the online system previous indicated I had XXXX ( XXXX ) accounts with XXXX, XXXX charged-off my revolving accounts and reported the adverse history to the CRAs.
Paragraph 13 ( c ) ( 2 ) outlines that XXXX had XXXX ( XXXX ) complete billing cycles to conduct its investigation and provide me with a resolution. While XXXX XXXX did inform me on XXXX XX/XX/XXXX that he'd re-enabled both mailing of paper statements and retrieval of online statements, I received no subsequent statements and no follow-up from XXXX regarding XXXX statement delivery issue. The provisions laid out in 13 ( c ) ( 2 ) would enable XXXX to make the necessary corrections by the end of XX/XX/XXXX. When I did not receive a statement at the end of XX/XX/XXXX, I contacted XXXX again on or around XXXX XX/XX/XXXX to apprise them of the on-going issue.
Paragraph 3 ( d ) ( 2 ) of Regulation Z is quite clear in that no creditor or its agent shall directly or indirectly make, or threaten to make, an adverse report to any person about the consumer 's credit standing, or report that an amount is delinquent because the consumer failed to pay the disputed amount or related finance charges. So without resolving the issue since filing my billing error on or around XXXX XX/XX/XXXX, XXXX continued to report my payment status delinquent for the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, including the charge-off annotation.
In total, it appears there was never a resolution to the billing error notice initially filed on or around XXXX XX/XX/XXXX. The matter remained unresolved and continues to remain unresolved. XXXX 's solution was then to lock me out of the online banking portal, the portal that stated i had XXXX ( XXXX ) accounts and access to zero ( XXXX ) statements. They then acknowledged those actions, provided me with zero ( 0 ) corrected statements and/or explanations, and subsequently charged-off my accounts in violation of Paragraph 3 ( d ) ( 2 ) of Regulation Z.
III. XXXX ENGAGED IN UNFAIR ACTS AND PRACTICES Section XXXX ( a ) ( XXXX ) ( B ) of the XXXX prohibits unfair acts or practices. XXXX XXXX. XXXX ( a ) ( XXXX ) ( B ). XXXX. An act or practice is unfair under the CFPA if it : ( a ) causes or is likely to cause consumers substantial injury ; ( b ) such injury is not reasonably avoidable by consumers ; and ( c ) such injury is not outweighed by countervailing benefits to consumers or to competition. 12 U.S.C. 5531 ( c ) The delinquent payment history and subsequent charge-offs would be considered unfair practices because XXXX has not provided statements to me on a periodic basis as required by CFPB interpretation of Regulation Z, 12 CFR Part 1062.2 and instead has continued to report my payment history each month as delinquent without sending me a statement.
The decision by XXXX to charge-off my accounts after XXXX XX/XX/XXXX constitutes an unfair practice because the basis of the charge-offs was due to non-payment, for which the non-payment was due to XXXX 's inability and/or unwillingness to ensure received paper statements by mail and/or through their online system.
The adverse credit history reported for the months XX/XX/XXXX through present, and the charge-off status reported for the revolving accounts harms and will continue to harm my ability to finance with in the future. Moreover, as someone who holds or has held security clearances my ability to obtain, maintain, and gain new clearances can be damaged by the reported information, when I have made every attempt to resolve the billing matter with XXXX.
Instead of trying to resolve the issues with their billing systems/practices, XXXX chose to charge off my accounts, in the process violating multiple provisions under both the CFPA and Regulation Z.
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| 08/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Transunion This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be validated or removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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| 10/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, I sent out certified mail letters to each XXXX XXXX XXXX regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate.
This is false because there are a number of inaccuracies on my consumer report that still remain.
1. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provi
ded to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. They have not reported this account since XX/XX/XXXX which is about 3 years now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me.
XXXX XXXX Account Number : XXXX XXXX. Violation of XXXX XXXX XXXX, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. XXXX is reporting the date of the last payment as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and TransUnion is reporting XX/XX/XXXX. If this isnt reported correctly, then, this means the date of first delinquency is wrong as well as manipulating the statute of limitations.
XXXX Account Number : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX* 8. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately.
XXXX XXXX Account Number : XXXX XXXX. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately.
XXXX XXXX Account Number : XXXX XXXX. This can not be a repossession because XXXX has never owned the car in the first place. If I bought this car from a local car dealership, how can they repossess something they have never even owned in the first place? Therefore, it is being reported as inaccurate.
XXXX Account Number : XXXX XXXX. This account is in violation of federal law pursuant to 15 usc 1681a ( 2 ) ( 3 ) which states that no person shall communicate about transactions solely on the information on the consumer about transactions and experiences about the consumer without my permission. This company did not give me communication which determined if I wanted to give them permission to do so. By them failing to do so, this account needs to be removed from my consumer report immediately.
XXXX XXXX Account Number : XXXX XXXX. Pursuant to 15 usc 1681a ( 2 ) ( B ) transactions authorized by my credit card, and credit card is defined in both FCRA and has the same definition in TILA as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Thus making my social security card a credit card.
This account was authorized by my social security card, a credit card and therefore must be excluded from my consumer report. This reported information was published on my consumer report for XXXX. This is a violation of the 15 U.S. Code 1681a ( 2 ) ( B ) and must be removed.
XXXX Account Number : XXXX XXXX. Violation of 15 usc 680, a financial institution may not disclose nonpublic information to a third party unless the financial institution has provided to the consumer the proper notice that complies with section 6803 of that title. Now, the proper notice is that the financial institution may not disclose non-public information to a non-affiliated third party unless the financial institution clearly discloses it to the consumer in writing or in electric form.
XXXX Account Number : XXXX XXXX. XXXX is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it looks like I made payment arrangements with the creditor which is not the case.
XXXX Account Number : XXXX XXXX. They have not reported this account since XX/XX/XXXX which is about a year now. The data furnisher is required to report this account every month or else it jeopardizes the integrity of the reporting and also shows that it is misleading and injurious to me.
XXXX Account Number : XXXX They have failed to perform a proper investigation pursuant to 15 USC 1681 ( a ) ( 1 ) ( 5 ).
I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report.
Please delete these items from my consumer report.
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| 04/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On my credit report there are hard inquires that I did not authorize.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date :XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXXExplanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date :XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXXExplanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX XXXX XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : XXXX Date : XX/XX/XXXX Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
The following inquiry needs to be removed immediately : Creditor Name : Date : Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.
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| 12/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX has altered and copied the promisarry note I signed and issued to XXXX XXXX mortgage XXXX the original note has been negotiated and destroyed XXXX XXXX XXXX is altering and coping forgeries of my original note I did not issue this note to XXXX XXXX XXXX and this note was not assigned to them they have forgitge and seize my property based on a counterfeit note that have no authority to claim ownership of negotiation or trade on Update Banks Can't Own Property CASE LAW Official source for United States laws is the Statue at Large and the United States Code is only prima facie evidence of such laws. Royers Inc. v United States Statue at Large are Legal evidence of laws contained therein and are accepted proof of these laws in any court of the United States. Bear v United States ( 1985 DC Neb ) 611 Unless Congress affirmatively enacts title of United States Code into law, title is only prima facie evidence of law. Preston v Heckler ( 1984 CA9 Alaska ) 734 F2d, 1359, 34CCH FPD34433, later proceeding ( 1984 DC Alaska ) 596 F Supp 1158 Where title has not been enacted into positive law, title is only prima facie or rebuttable evidence of law, and if construction is necessary, recourse may be had to original statue National banking corporations are agencies or instruments of the general government, designed to aid in the administration of a important branch of the public service, and are an appropriate constitutional means to that end. Pollard v State, Ala 1880, 65 Ala 628 See, also, Tarrant v. Bessemer Nat Bank 1913, 61 So 47,7 Ala App 285 A national bank can not lend its credit or become the guarantor of the obligation of another unless it owns or has an interest in the obligation guaranteed especially where it receives no benefits therefrom. Citizens Nat Bank of Cameron v Good Roads Gravel Co. Tex Civ App . 1921 236 SW 153 dismissed w.o.j A national bank has no power to guarantee the performance of a contract made for the sole benefit of another. First National Bank v Crespi & Co.Tex Civ App 1920 217 SW 705 National banks have no power to negotiate loans for others. Pollock v Lumbermans Nat Bank of Portland Or 1917 168 P 616 86 Or 324 A national bank can not act as a broker in lending its depositors money to third persons. Byron v First Nat Bank of Roseburg, Or 195 146 P 516 75 Or 296 A national bank is not authorized to act as a broker in loaning the money of others. Grow v Cockrill, Ark. 1897, 39 S W 60, 63 Ark 418. See, also, Keyser v Hitz Dist of Col 1883 2 Mackey 513 Officers of a national bank in handling its funds are acting in a fiduciary capacity, and can not make loans and furnish money contrary to law or in such improvident manner as to imperil its funds. First Nat Bank v Humphreys Okla 1917 168 P 410, 66 Okla 186 Representations made by bank president to proposed surety as to borrowers assets, in connection with proposed loan by bank, held binding on the bank. Young v Goetting, CCA. 5 ( Tex ) 1926, 16 F 2d 248 Bank is liable for its vice presidents participation in scheme to defraud depositor by facilitating prompt withdrawal of his money. National City Bank v Carter CCA6 ( Tenn ) 1926 F2d 940 Wheeler v Sohmer, Comptroller of the State of New York Promissory notes are only evidences of debt not debt themselves!
12 USC 3754 59 CJS 2 Mortgages Definitions The literal meaning of the word mortgage is dead pledge a mortuum vadium. The term mortgage may be employed as meaning the debt secured by the mortgage, but in its true sense an ordinary mortgage is not a debt as the debt is the principle obligation, and the mortgage is generally regarded as merely an incident or accessory to the debt. A mortgage is an interest in the land created by a written instrument providing security for the performance of a duty or payment of debt and is usually evidenced by a note.
Where did the money come from that they say is owed?
How does the bank have a right to say that theres an obligation?
References : Caddy v Cortide NY Testy v Collons Baker v Citizen State Bank of Louis Park US v Stanley Corbin on Contracts ( void contracts ) Statue of Frauds Contract Cases Nothing can be more material to the obligation than the means of enforcement, without the remedy the contract may indeed, in the sense of law may be said to not exist. And its obligation to fall within the class of those moral and social duties which depend for their fulfillment wholly upon the will of the individual the ideas of validity and remedy are inseparable and both are parts of the obligation which is guaranteed by the Constitution against invasion. The obligation of a contract is the law which binds the parties to perform their agreementRed Cross Line v Atlantic Fruit Company 264 US 109 L Ed 582, 44 S. Ct. February 18, 1924 It is essential to the creation of a contract that there be a mutual or reciprocal assent. Sanford v Abrams ( 1888 ) 24 Fl 181, So. 373. Ross v Savage ( 1913 ) 66 Fl 106, 63 So.
148 ; Mc Cay v Sever ( 1929 ) 98 Fla 710, 24 So. 44 ; United State Rubber Products , Inc. v Clark ( 1941 ) 145 Fla 631, 200 So. 385, Mann v Thompson ( 1958 ) Fla. App D1 100 So. 2d 634 That the assent be to a certain and definite proposition. Fincher v Belk-Sawyer Co. ( 1961 ) Fla App D3 127 So. 2d 130. Goff v Indian Lake Estates, Inv. ( 1965 Fla. App D2 ) 178 So.2d 910, Hewitt v Price ( 1969 , Fla App D3 ) 222 So. 2d 247 Without a meeting of the minds of the parties on an essential element, there can be no enforceable contract Hettenbaugh v Keyes Ozon Fincher Ins. Inc. 1962 Fla App D3 ) 147 So. 2d 328, Goff v Indian Lake Estates , Inc. ( 1965 Fla App D2 ) 178 So. 2d 910 What are the elements? What is it? What does it do? How does it perform? Whats going to happen later? Can it be used later? Was that fully disclosed? Each and every element there has to be a meeting of the minds! UCC In order to form a contract, the parties must have a distinct understanding, common to both, and without doubt or difference. Unless all understand alike, there can be no assent, and therefore no contract. Webster Lumber Co v Lincoln ( 1927 ) 94 Fla1097, 115 So. 498, Minskys Follies of Florida, Inc. v Sennes ( 1953 206 F2d 1 Oneil Corporate Trustees , Inc. ( 1967 ) 376 F2d 818.
Until the terms of the agreement have received the assent of both parties, the negotiation is open and imposes no obligation on either. Goff v Indian lake Estates Inc. ( 1965 Fla App D2 ) 178 So. 2d 910. Car v Duvall ( 1840 ) 39 US 77, 10 L. Ed 361 The assent of each party must be freely given ; a contract entered into as a result of the exercise of duress or undue influence by the other party, or procured by the fraud of one of the parties, lacks the essential element of real assent and maybe avoided by the injured party. Wall v Bureau of Lathing and Plastering ( 1960 Fla App D3 ) 117 So. 2d 767.
An actual assent by the parties upon exactly the same matters is indispensable to the formation of the contract. Bullock v Hardwick ( 1947 ) 158 Fla 834, 30 So. 2d 539 : Hettenbaugh v. Keyes Ozon-Fincher Ins. Inc. 1962 Fla App D3 ) 147 So 2d 328 General Finance Corp v Stratton 1963 Fla App D1, 156 So 2d 884 Title 12 Chap 171841 and 1813 CFR 6000 FDIC-Bank Holding Company Act 12 CFR 25,12 BANKS AND BANKING, Sec. 25.12 Definitions 12 USC Chap 3 Subchap 1 Sec. 222 ; 1811 and 501a ; 21 Title 62 Revised Statues Until the terms of the agreement have received the assent 15 U.S. Code 1692e 15 U.S. Code 1692f 15 U.S. Code 1692g hjr 192 public law 73-10
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| 04/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. XXXX Credit Bureau and XXXX Credit Bureau have been cooperative and have removed the account, but Transunion has refused to remove the fraudulent account. Therefore, I have come to you to resolve these issues. The law says that you must block this account while being investigated, and I expect that you will do so. Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Accounts name : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove these accounts immediately.
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| 12/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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This is my second time writing a complaint, I have constantly contested the inaccuracies in the following information with XXXX, XXXX and Transunion, however the issue remains unresolved to this day.
XXXX : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
2. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
3. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
5. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
XXXX : 1. The following personal information is incorrect Former : XXXX XXXX XXXX 2. The following personal information is incorrect Former : XXXX XXXX 3. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 5. The following personal information is incorrect Also Known As : XXXX XXXX 6. The following personal information is incorrect Also Known As : XXXX XXXX XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 8. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 9. The following personal information is incorrect Employers : XXXX XXXX XXXX XXXX 10. The following personal information is incorrect Employers : XXXXXXXX XXXX XXXX XXXX XXXX 11. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX Account Number : XXXX Please investigate and delete from my credit report.
12. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
13. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXXXXXX Account Number : XXXX Please ensure that all information is accurate 14. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
15. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
16. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by aconsumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
17. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
TRANSUNION : 1. The following personal information is incorrect Also Known As : XXXX, XXXX 2. The following personal information is incorrect Employers : XXXX XXXX 3. The following personal information is incorrect Employers : XXXX XXXX 4. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX Account Number : XXXX Please investigate and delete from my credit report.
5. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
6. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
7. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
8. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
9. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.
10. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXXXXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report
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| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
8. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
9. Identity Theft Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX. Identity Theft Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX. Identity Theft Account Number : Employers : XXXX XXXX. Identity Theft Account Number : Employers : XXXX XXXX XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This inquiry is unauthorized and fraudulent. Please delete at once.
14. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15. Identity Theft Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX 16. Identity Theft Account Number : Previous Address ( es ) : XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX 17. Identity Theft Account Number : Employers : XXXX 18. XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Due to being a victim of identity theft I informed all major credit reporting companies about unauthorized accounts reporting on my credit report. I was told by the credit reporting companies to file a police report and to send it to them so those accounts can come off. Recently I submitted the documentation of the approved police report by XXXX XXXX sheriff to Transunion, XXXX and XXXX. As of today XXXX sent me a letter via email accusing me of submitting fraudulent documentation of my police report. XXXX has been giving me a very hard time even with the proven documents that I am a victim of identity theft. I feel that I am being discriminated and treated unfair without a proper investigation being done. XXXX has assassinated my character due to their false allegations and didn't even try to do an investigation of my case. I'm going through a lot as is and XXXX is responsible for my XXXX XXXX from this moment on. If this problem is solved, im going to lose my family because this company dont want to do their job correctly.
XXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Revolving Revolving Account Type - Detail : Credit Card - Bureau Code : Individual Individual Account Status : Paid Paid Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$1400.00} {$1000.00} Credit Limit : {$1000.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Late 60 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Subscriber reports dispute resolved - consumer disagrees.
Closed or paid account/zero balance Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$930.00} {$930.00} {$890.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$30.00} {$30.00} {$0.00} Payment Status : Late 60 Days Late 60 Days Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXX - XXXXXXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXXXXXXXX**** Account Type : Installment Installment Account Type - Detail : Auto Loan - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$25000.00} {$25000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$25000.00} {$25000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$25000.00} {$25000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Subscriber reports dispute resolved - consumer disagrees.
Unpaid balance reported as a loss by the credit grantor.
Consumer disputes- reinvestigation in progress Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXXXXXXXX**** Account Type : Installment Installment Account Type - Detail : Auto Loan - Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$25000.00} {$25000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$25000.00} {$25000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$25000.00} {$25000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Subscriber reports dispute resolved - consumer disagrees.
Unpaid balance reported as a loss by the credit grantor.
Consumer disputes- reinvestigation in progress Amount in high credit original charge-off amount Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX Account Type : Installment Account Type - Detail : Unsecured loan XXXX Code : Individual Account Status : Derogatory Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX Balance : {$0.00} No. of Months ( terms ) : XXXX High Credit : {$4900.00} XXXX XXXX : {$0.00} Past Due : {$0.00} Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Purchased by a another lender.
Unpaid balance reported as a loss by the credit grantor.
Sold to : XXXX XXXX Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1300.00} {$1300.00} {$1300.00} No. of Months ( terms ) : - - - High Credit : {$1300.00} {$1300.00} {$1300.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - XXXX ( Original Creditor : XXXX XXXX XXXX ) TransUnion XXXX XXXX Account XXXX : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$790.00} {$790.00} No. of Months ( terms ) : - - High Credit : {$790.00} {$790.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$1700.00} {$1700.00} No. of Months ( terms ) : - - High Credit : {$1700.00} {$1700.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX Credit XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion
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| 08/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus.
Below are fraudulently unauthorized inquires on my report:
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Card Date: XX/XX/XXXX
Company: XXXX XXXX-GA
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date:XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX Card
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date:XX/XX/XXXX
Company: XXXX XXXX XXXX, N.A.
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date:XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date:XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX Card
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date:XX/XX/XXXX
Company: XXXX Card
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX NA
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date:XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date:XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX Card
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXXXXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX XXXX XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
Company: XXXX
Date: XX/XX/XXXX
BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report:
Company: XXXX XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $765.00
Company: XXXX XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: 2,500
Company: XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX Card
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX Card
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $395.00
Company: XXXX XXXX XXXX
Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX
Account#:XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $675.00
Company: XXXX XXXX XXXX Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $625.00
Company: XXXX XXXX XXXX Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $400
Company: XXXX XXXX XXXX
Account#: XXXX Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX XXXX XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $625.00
Company: XXXX XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $3,100.00
Company: XXXX XXXX XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
Company: XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $2,500.00
Company: XXXX XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $300.00
Company: XXXX
Account#: XXXX
Date Open: XX/XX/XXXX
Balance: $XXXX
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| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of United States Code Law Dear, TransUnion LLC Consumer Dispute Center I am writing to address the ongoing violation of the Fair Credit Reporting Act ( FCRA ) and to offer a settlement before pursuing litigation. It is my intention to resolve this matter amicably by requesting the immediate deletion of inaccurate, unverifiable, and invalidated information from my consumer file. Failure to comply with this settlement offer will result in litigation, with all correspondence included as evidence in the pending legal action. A formal complaint will also be submitted to the Federal Trade Commission.
I must emphasize that you are currently in direct violation of the FCRA, as the unverified items listed below still remain on my credit report. Under the FCRA, it is your responsibility to possess the original creditors ' documentation to verify the accuracy and ownership of the reported information. Despite your claim of verification, you have failed to provide any original documentation or the required method of verification as outlined in Sections 609 ( a ) ( 1 ) ( A ), 611 ( a ) ( 1 ) ( A ), and 611 ( a ) ( 7 ) of the FCRA. According to Section 611 ( 5 ) ( A ), it is your obligation to promptly delete any unverifiable information.
I find it evident that your agency lacks a proper understanding of the FCRA, as evidenced by the numerous errors present on my credit report. Allow me to provide a brief breakdown of the Fair Credit Reporting Act : The Fair Credit Reporting Act is a federal law that governs the collection, reporting, and sharing of credit information about consumers. It establishes rules regarding the acquisition, retention, and disclosure of credit information.
A violation of the FCRA can occur when creditors provide inaccurate financial information to reporting agencies, when reporting agencies mix up individuals ' information due to similar names or social security numbers, or when agencies fail to follow guidelines for handling disputes.
As a consumer, I have the following rights under the FCRA : The right to verify the accuracy of my credit report when it is required for employment purposes.
The right to receive notification if information in my file has been used against me in credit applications or other transactions.
The right to dispute and have the credit bureaus correct and delete incomplete, inaccurate, and unverifiable information in my report.
The right to have outdated negative information removed ( typically after seven years, or 10 years in the case of bankruptcy ).
I demand the immediate deletion of the following items due to their inaccuracy, unverifiability, and invalidation. I have also included the desired outcome for each item : XXXX XXXX XXXX XXXX XXXX XXXX I am perplexed as to how you continue to verify this account. I have no recollection of any association with this unfamiliar company. Kindly remove this frivolous account from my credit file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never engaged in any business relationship with this company, and therefore, this account does not belong to me. I request the immediate deletion of this unknown account from my credit report.
Account Number : XXXX It is surprising that you were able to verify this account while other bureaus could not and have already removed it from my credit report. Remove this inaccurate information promptly.
XXXX XXXX Account Number : XX/XX/XXXX The inquiries related to this account have reached the statute of limitations.
XXXX Account Number : XX/XX/XXXX I have no recollection of authorizing this credit inquiry, and I demand its removal.
Account Number : XX/XX/XXXX I have no recollection of authorizing this credit inquiry, and I demand its removal.
Account Number : XX/XX/XXXX I have no recollection of authorizing this credit inquiry, and I demand its removal.
The following personal information is incorrect : ALSO KNOWN AS : XXXX XXXX The following personal information is incorrect : DATE OF BIRTH : XXXX The following personal information is incorrect : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), this account is in violation by not reporting 100 % accurate information. It lists the bankruptcy court as the furnisher, which is forgery and misleading since the courts do not report this type of account. Please remove it from my credit report.
The following personal information is incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following inquiry was not authorized : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.
The following personal information is incorrect : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your noncompliance with the FCRA exposes you to civil liability under 15 U.S. Code 1681n for willful noncompliance and 15 U.S. Code 1681o for negligent noncompliance. The law provides remedies, including actual damages, punitive damages, and attorney 's fees ( Section 616 & 617 ), in case of failure to comply with federal regulations. As a litigious consumer, I am fully prepared to enforce my rights under the FCRA through litigation.
Kindly note that you have 30 days to complete the investigation, as stated in Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. Additionally, I request the description of the procedure used to determine the accuracy and completeness of the information, to be provided within five days following the completion of your reinvestigation. It is essential to keep a record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receiving this certified letter may result in a small claims action seeking {$5000.00} per violation, including claims for defamation, negligent enablement of identity fraud, violations of the Fair Credit Reporting Act, and financial injury.
Please be aware that depending on your response, I may choose to publicly disclose any potential issues with your company through an online press release, including documentation of any potential small claims action. A copy of my complaint will also be sent to the following organizations : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Sincerely, XXXX XXXX
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| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
Servicemember |
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INACCURATE PERSONAL INFORMATION NEEDING TO BE DELETED FROM MY CREDIT REPORT.
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ACCOUNTS TO BE DELETED UNDER SCRA Section 533 ( c ) ( codified at 50 USC 3953 ) XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$7400.00} {$0.00} {$4700.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Account legally paid in full for less than the full balance.
Consumer disputes- reinvestigation in progress Paid charge off Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$7000.00} {$7000.00} -- XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$11000.00} {$11000.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Paid -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Finance/Personal Personal Loan Companies -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance.
Unpaid balance reported as a loss by credit grantor.
Account legally paid in full for less than the full balance.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : XXXX ( XXXX ) XXXX ( XXXX ) -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Note loan Note loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX -- -- High Balance : {$52000.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$0.00} -- -- Closed Date : -- -- -- Account Rating : Paid -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Paid collection -- -- Original Creditor : XXXX XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- -- ACCOUNTS TO BE UPDATED UNDER SCRA Section 533 ( c ) ( codified at 50 USC Removal of Late Payment History. Report PAID AS AGREED/NEVER LATE!
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$5800.00} {$5800.00} {$3400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payment Status : Current Current Current Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Consumer disputes after resolution Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$3400.00} {$3400.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX High Balance : {$180.00} {$180.00} {$200.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Clothing General Clothing Store General Clothing Store Account Status : Closed Closed Closed Payment Status : Current Late 30 Days Current Creditor Remarks : Canceled by credit grantor Account has been closed due to inactivity.
Consumer disputes- reinvestigation in progress Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$200.00} {$200.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX High Balance : {$730.00} {$730.00} {$750.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : -- -- -- Account Rating : Open Open Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Department/Variety and Other Retail Complete Department Stores Complete Department Stores Account Status : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Creditor Remarks : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Consumer disputes- reinvestigation in progress Account previously in dispute - now resolved by data furnisher Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$750.00} {$750.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX
|
| 07/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
Servicemember |
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On XX/XX/2020 I spoke with XXXX, who identified himself as a Manger in the Dispute department.
He indicated that I had both a Credit Freeze and Security Freeze on my account and that he was unsure as to why XXXX XXXX was able to access my file.
I further indicated that I wanted an accounts that were more than two years old and in good standing removed from my credit report. He indicated that they do not remove negative or positive items from the accounts.
XXXX XXXX-Transferred me to XXXX XXXX XXXX did not give permission for me to record our conversation.
XXXX XXXX XXXX I explained to XXXX that I wanted the old accounts removed from my report that were over 7 years old.
She refused to address the issue. Consistently indicating we do not remove negative items from credit reports. I explained to XXXX that student loan services indicated that they were no longer reporting the account. The account was never late as it was discharged via a chapter XXXX Bankruptcy of which Transunion has on file. And I further provided information that XXXX XXXX XXXX did not own the accounts at the time they reported the items as late. XXXX XXXX XXXX reaged the debt after XXXX received the Discharge from the Federal Court of the Discharge under the Brunner Law.
At this time I feel like I am being discriminated against via my age, ethnicity, and gender. I would like a written explanation of and the formula used to calculate my credit score, a written explanation of why the items were not removed from my credit report. A written explanation as to why and how access was granted to my credit report.
. Creditor : XXXX XXXX XXXX : UNSECURED Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late:XXXXMOP : 0130/60/90:4 / 1 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 9. Creditor : XXXX/XXXXType : CHARGE ACCOUNT Opened:XX/XX/XXXXLast ReportedXX/XX/XXXXLast Late:XXXXMOP : 0130/60/90:3 / 1 / 1 22. Creditor : XXXX/XXXXType : CHARGE ACCOUNT Opened:XX/XX/XXXXLast Reported:XXXXLast Late:XXXXMOP : 0130/60/90:2 / 1 / 4 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 23. Creditor : XXXX/XXXXType : CHARGE ACCOUNT Opened:XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 24. Creditor : XXXX/XXXXType : CHARGE ACCOUNT Opened:XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} CANCELLED BY CREDIT GRANTOR High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} CANCELLED BY CREDIT GRANTOR 10. Creditor : XXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 4 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 11. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 12. Creditor : XXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 13. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 14. Creditor : XXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 15. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 16. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 17. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 4 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 18. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 19. Creditor XXXX XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late:XX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 20. Creditor : XXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast LateXX/XX/XXXXMOP : 0130/60/90:0 / 0 / 5 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} 25. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast ReportedXX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 26. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 27. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER XXXX. Creditor : DEPTEDXXXXType : STUDENT LOAN OpenedXX/XX/XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 29. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 30. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 31. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 32. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 33. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 34. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 35. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XXXXLast Reported:XX/XX/XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER 36. Creditor : DEPTEDXXXXType : STUDENT LOAN Opened:XX/XX/XXXXLast Reported:XXXXLast Late : MOP : 0130/60/90:0 / 0 / 0 High Credit : $ XXXXBalance : $ XXXXMo Pymt : $ XXXXPast Due : {$0.00} ACCOUNT CLOSED DUE TO TRANSFER
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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YOUR COMPLAINT Subject : Complaint against XXXX & XXXX ( Original Creditor : XXXX ) - Account Name : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the account mentioned above. The account is marked as not satisfying XXXX on TransUnion and XXXX. It was opened on XX/XX/XXXX, with a balance of {$400.00} on TransUnion and {$410.00} on XXXX. The most recent activity on the account was on XX/XX/XXXX. Despite my requests, XXXX XXXX XXXX has failed to provide any evidence to support their claim of my liability for this debt. This refusal to provide necessary information violates 12 C.F.R 1026.36 ( f ), 15 USC 1692, and 12 CFR 1026.52 ( b ) ( 1 ) ( ii ) ( D ). I request an immediate update to my account status, reflecting the accurate information, and the permanent deletion of the account from my credit reports. This inaccurate reporting is unjustly tarnishing my credit profile and negatively impacting my creditworthiness. I kindly ask for your prompt resolution of this matter. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action against XXXX XXXX XXXX for their violation of consumer rights. I look forward to receiving a written confirmation of the resolution. ______________________________________________________ Subject : Complaint against XXXX & XXXX ( Original Creditor : XXXX ) - Account Name : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the account mentioned above. After reviewing my credit report from TransUnion, I have identified several inaccuracies and non-compliance with XXXX XXXX guidelines regarding the XXXX XXXX accounts. The report lacks essential information such as the account status, monthly payment amount, and credit limit. Furthermore, I dispute the accuracy and ownership of the reported information. It has come to my attention that XXXX XXXX XXXX contacted me using an incorrect address and name associated with the account, and they fraudulently requested updates/furnishing of information without my consent or prior notification. I request that TransUnion promptly investigate these discrepancies and take appropriate action, including the permanent removal of the XXXX XXXX account from my credit report. I am not liable for this account as per UCC 3-104 and UCC 3-419 . Additionally, I believe that the actions of XXXX and XXXX are in violation of 12 C.F.R 1026.36 ( f ), 15 USC 1692, and 12 CFR 1026.52 ( b ) ( 1 ) ( ii ) ( D ). I kindly request your immediate attention to this matter and the necessary steps to ensure the permanent deletion of the XXXX XXXX account from my credit report. I trust that the Consumer Financial Protection Bureau will thoroughly investigate this complaint and take appropriate action against XXXX XXXX XXXX for their violation of consumer rights. I look forward to receiving a written confirmation of the resolution. Thank you for your attention to this matter ______________________________________________________ Subject : Formal Complaint - Account Name : XXXX Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the reporting of the account mentioned above. The account is inaccurately reported as " Charged off Account, charged off. {$470.00} written off. {$470.00} past due as of XX/XX/XXXX. '' This incorrect reporting is misleading and damaging to my credit profile. According to the information provided, the account was opened on XX/XX/XXXX and closed by a third party, in violation of 12 CFR 1026.52 ( b ) ( 1 ) ( ii ) ( D ). It is important to note that the account has been closed for more than seven years. Despite this, it is still being reported with negative information that is not reflective of the current status of the account. I request an immediate update of the account status to " PAANL '' ( Paid as Agreed, Never Late ) or its deletion from my credit report. The incorrect reporting is in violation of regulatory guidelines and is adversely affecting my creditworthiness. This issue requires urgent attention to rectify the reporting error and ensure the accuracy of my credit information. I kindly request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action to update or delete the account in question. I anticipate a prompt resolution and a written confirmation of the actions taken to rectify this situation. Thank you for your attention to this matter. ______________________________________________________ Subject : Formal Complaint - Account Name : XXXX XXXX, Account Number : XXXX Dear Sir/Madam, I am writing to file a formal complaint regarding the reporting of the account mentioned above. Despite the account status indicating " PAID AS AGREED, '' there are XXXX late payments being reported. This discrepancy requires immediate attention to rectify the inaccurate reporting. " Paid as Agreed '' implies that there have been no late payments. However, the reporting shows multiple instances of late payments, which is incorrect. It is imperative to ensure the accuracy of my credit report, as it directly impacts my creditworthiness and financial standing. I kindly request a thorough investigation into this matter to rectify the discrepancy promptly. The account should be updated to accurately reflect the " PAID AS AGREED '' status, without any late payment history. Ensuring the accuracy of my credit report is of utmost importance, and I greatly appreciate your immediate attention to this matter. Please update the account status to reflect the correct information according to the terms of " PAID AS AGREED. '' I trust that the Consumer Financial Protection Bureau will conduct a diligent investigation and take appropriate action to rectify this reporting discrepancy. Thank you for your attention to this matter. I anticipate a prompt resolution and a written confirmation of the actions taken to rectify this situation. ______________________________________________________ XXXX XXXX XXXX XXXX Account # : XXXX Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding the closure of my account by XXXX XXXX XXXX XXXX without providing a concrete reason for the credit denial. The lack of explanation for the closure of my account and denial of credit may constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ) guidelines. Account Information : XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX : XXXX XXXX : XXXX Issue : I believe that my rights under the FCRA have been taken advantage of, as XXXX XXXX XXXX XXXX has failed to provide a clear and specific reason for the closure of my account and the denial of credit. This lack of transparency is concerning and may have negative implications on my creditworthiness. Request for Compensation : In light of these circumstances, I kindly request compensation for the closure of my account without a proper explanation or justification. I believe that appropriate compensation should be provided to remedy the inconvenience, potential damage to my credit profile, and any other negative consequences resulting from this credit denial. I appreciate your prompt attention to this matter and your assistance in ensuring that my rights under the FCRA are protected. I look forward to your investigation and a satisfactory resolution to this issue. Thank you for your time and consideration.
|
| 04/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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These accounts, inquiries, AND account review inquiries need to be removed from my TransUnion credit report because they are fraudulent.
Accounts
Satisfactory Accounts
Account Name
XXXX XXXX XXXX XXXX Address
XXXX XXXX XXXX XXXX GA XXXX
Phone
XXXX XXXX
Date Opened
XXXX
Responsibility
Individual Account
Account Type
Revolving Account
Loan Type
CREDIT CARD
Balance
XXXX
Date Updated XXXX
Payment Received XXXX
Last Payment Made
XXXX High Balance
XXXX
Credit Limit
XXXX
Pay Status
Paid, Closed; was Paid as agreed
Terms
Paid Monthly
Date Closed
XXXX
Date Paid
1XXXX
Remarks
Account closed at consumer's request; CLOSED
Inquiries
Regular Inquiries
Name XXXX XXXX
Location
XXXX XXXX XXXX XXXX VA XXXX
Requested On
XXXX Phone XXXX XXXX
Inquiry Type
Individual
Account Review Inquiries
Name
XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX TX XXXX Requested On
XXXX
Phone XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX IL XXXX
Requested On
XXXX
Phone XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX IL XXXX Requested On
XXXX
Phone XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX MO XXXX
Requested On
XXXX
Phone
Phone number not available
XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UXXXX XXXX
Requested On XXXX
Phone
XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX, IL XXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX FL XXXX Requested On
XXXX
Phone XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX FL XXXX
Requested On
XXXX Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Requested On XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXXXXXX
Location
XXXX XXXX XXXX XXXX XXXX VA XXXX
Requested On
XXXX Phone XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX
Phone XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX TXXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XXXX Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX VA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX PA XXXX Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On XXXX Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX
Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX VA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone XXXX XXXX
XXXX XXXX
Location
XXXX XXXX XXXX XXXX OH XXXX
Requested On
XXXX XXXX XXXX Phone
XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX FL XXXX
Requested On
XXXX
Phone XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX TX XXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Requested On XXXX XXXX
Phone
XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX WI XXXX
Requested On
XXXX XXXX
Phone XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX
Location
2XXXX XXXX XXXX XXXX XXXX IL XXXX
Requested On
XXXX
Phone XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Requested On XXXX
Phone XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX WA XXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Requested On
XXXX Phone
XXXX XXXX XXXX XXXX XXXX
Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On XXXX XXXX XXXX XXXX
Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 93401
Requested On
XXXX, XXXX XXXX XXXX XXXX XXXX Phone
XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Requested On
XXXX
Phone XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX GA XXXX
Requested On
XXXX
Phone
XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX IN XXXX
Requested On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Location
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Requested On XXXX XXXX XXXX XXXX XXXX XXXX
Phone
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|
| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
Servicemember |
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INACCURATE PERSONAL INFORMATION NEEDING TO BE DELETED FROM MY CREDIT REPORT.
NAMES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WA XXXX ACCOUNTS TO BE DELETED UNDER SCRA Section 533 ( c ) ( codified at 50 USC 3953 ) XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$7400.00} {$0.00} {$4700.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards National Credit Card Companies Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Creditor Remarks : Payment after charge off/collection Account closed by consumer Credit line closed - consumer request - reported by subscriber.
Account legally paid in full for less than the full balance.
Consumer disputes- reinvestigation in progress Paid charge off Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$7000.00} {$7000.00} -- XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$11000.00} {$11000.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$0.00} {$0.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Paid -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Finance/Personal Personal Loan Companies -- Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance.
Unpaid balance reported as a loss by credit grantor.
Account legally paid in full for less than the full balance.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : 54Month ( s ) 54Month ( s ) -- Past Due Amount : {$0.00} {$0.00} -- Account Type : Note loan Note loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX -- -- High Balance : {$52000.00} -- -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX -- -- Date Opened : XX/XX/XXXX -- -- Balance Owed : {$0.00} -- -- Closed Date : -- -- -- Account Rating : Paid -- -- Account Description : Individual -- -- Dispute Status : Account not disputed -- -- Creditor Type : Collection Services -- -- Account Status : Closed -- -- Payment Status : Collection/Chargeoff -- -- Creditor Remarks : Paid collection -- -- Original Creditor : XXXX XXXX XXXX XXXX -- -- Last Payment : -- -- -- Past Due Amount : {$0.00} -- -- Account Type : -- -- -- ACCOUNTS TO BE UPDATED UNDER SCRA Section 533 ( c ) ( codified at 50 USC Removal of Late Payment History. Report PAID AS AGREED/NEVER LATE!
XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$5800.00} {$5800.00} {$3400.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Closed Closed Closed Payment Status : Current Current Current Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Consumer disputes after resolution Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$3400.00} {$3400.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX 30 : 1 60 : 1 90 : 1 30 : 1 60 : 1 90 : 1 30 : 1 60 : 1 90 : 1 XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$180.00} {$180.00} {$200.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Paid Paid Paid Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Clothing General Clothing Store General Clothing Store Account Status : Closed Closed Closed Payment Status : Current Late 30 Days Current Creditor Remarks : Canceled by credit granXXXX Account has been closed due to inactivity.
Consumer disputes- reinvestigation in progress Closed or paid account/zero balance Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$200.00} {$200.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX 30 : 1 60 : 0 90 : 0 30 : 1 60 : 0 90 : 0 30 : 1 60 : 0 90 : 0 XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$730.00} {$730.00} {$750.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : -- -- -- Account Rating : Open Open Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Department/Variety and Other Retail Complete Department Stores Complete Department Stores Account Status : XXXXen Open Open Payment Status : Current Current Current Creditor Remarks : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Consumer disputes- reinvestigation in progress Account previously in dispute - now resolved by data furnisher Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$750.00} {$750.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion Experian Equifax 30 : 1 60 : 0 90 : 0 30 : 1 60 : 0 90 : 0 30 : 1 60 : 0 90 : 0
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX SS # : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern, I hope this letter finds you well. I am writing to bring to your attention a distressing and deeply impactful matter concerning multiple violations of the Fair Credit Reporting Act ( FCRA ) that have significantly affected my life and financial well-being.
I have recently obtained a copy of my credit report and was disheartened to discover several instances of inaccurate and unverifiable information, as well as unauthorized credit inquiries. The violations I have identified, along with the relevant sections of the FCRA, are as follows : Violation : Reporting inaccurate information on the credit report.
Creditor : XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 605 - Requirements relating to information contained in consumer reports.
Violation : Unauthorized credit inquiry.
Creditor : XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed.
Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports.
Violation : Unauthorized credit inquiry.
Creditor : XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed.
Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports.
Violation : Unauthorized credit inquiry.
Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed.
Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports.
Violation : Unauthorized credit inquiry.
Creditor : XXXX Date of inquiry : XX/XX/XXXX Sample Reason : I have no recollection of authorizing this credit pull and I demand this to be removed.
Relevant Section : FCRA Section 604 - Permissible purposes of consumer reports.
Violation : Reporting inaccurate or unverifiable account information.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
Violation : Reporting inaccurate account payment history.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies.
Violation : Reporting inaccurate or unverifiable account information.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
Violation : Reporting inaccurate account payment history.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Relevant Section : FCRA Section 623 - Responsibilities of furnishers of information to consumer reporting agencies.
Violation : Reporting inaccurate or unverifiable account information.
Creditor : XXXX Account XXXX : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
Violation : Reporting inaccurate or unverifiable account information.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
Violation : Reporting inaccurate or unverifiable account information.
Creditor : XXXX XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
Violation : Reporting inaccurate or unverifiable account information.
Creditor : XXXX Account Number : XXXX Sample Reason : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Relevant Section : FCRA Section 611 - Procedure in case of disputed accuracy.
The impact of these violations on my life has been profound and emotionally distressing. As a responsible consumer, I have worked diligently to maintain a good credit history, making timely payments and managing my financial obligations with care. However, the presence of these inaccuracies and unauthorized inquiries has marred my credit profile and caused undue stress and anxiety.
One specific example that highlights the gravity of these violations is the reporting of a XXXX XXXX Bankruptcy ( XXXX XXXX : XXXX ) on my credit report, which does not belong to me. This misinformation has led to denials for credit applications, including a recent mortgage application that I have been diligently pursuing to provide a stable home for my family. The emotional toll of facing rejection due to erroneous information is devastating, and it has shattered my dreams of homeownership.
I firmly believe that my rights under the FCRA have been egregiously violated, and I kindly request the Consumer Financial Protection Bureau to intervene and enforce the provisions of the FCRA to ensure my fair treatment as a consumer.
To rectify the harm caused by these violations, I implore the creditors involved to promptly remove the inaccurate and unverifiable accounts from my credit report. I seek a thorough investigation into each of the aforementioned violations and request that the credit reporting agencies and furnishers of information take the necessary corrective actions immediately.
Furthermore, I demand that the credit reporting agencies provide me with a free and updated copy of my credit report, reflecting the accurate and verified information once these issues have been resolved.
I have attached supporting evidence, including copies of my credit report and any relevant documents, to substantiate my claim and aid in your investigation.
I sincerely appreciate your attention to this matter and your efforts to protect consumers ' rights under the law. I look forward to a swift resolution that will restore the integrity of my credit report and alleviate the emotional distress caused by these violations.
Thank you for your time and understanding.
Sincerely, XXXX XXXX
|
| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX ( Partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I asked this XXXX XXXX XXXX to investigate this report and they also failed to do an actual investigation. I hope that this time the request for information in this complaint will resolve any inaccuracies when submitted. The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. I requested validation and verification of the debt they collected and never received it. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the debt that was collected by XXXX XXXX XXXX.
Detailed Request for validation of the debt : I am requesting a validation of the debt that was collected by XXXX XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. XXXX addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX XXXX assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt was valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector had the legal right to collect on the debt, including the signed terms between the creditor and collector ( XXXX XXXX XXXX ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section XXXX ( a ) states that a debt collector ( XXXX XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX XXXX fails to validate the debt, I dispute the reporting of this debt, and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can validate the debt with the above request, I will accept the reporting as accurate.
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX XXXX regarding the original contract of the debt that they collected. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX XXXX fails to verify the debt, I dispute the reporting of this debt and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX XXXX to comply with these requests XXXX result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX XXXX must provide me with the information that is used to calculate my XXXX XXXX.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( XXXX ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting anticipated out of this complaint. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
|
| 01/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
5. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
7. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
8. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
9. XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
10. XXXX XXXX XXXX XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
11. XXXX XXXX XXXX
XXXX XXXX XXXX XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
12. XXXX XXXX XXXX XXXX XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
13. XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
14. XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
15. XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
16. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
17. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
18. XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
19. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauXXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Deposit Insurance Corporation XXXX : Comptroller Of The Currency CC : Federal Reserve System XXXX XXXX XXXX XXXX XXXX CC : Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX
|
| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA XXXX ( XXXX XXXX. XXXX ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX- This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX FM XXXX XXXX XXXX, TX XXXX- This address is not correct. Delete it immediately from my report..
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX, TX XXXX- This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This is not my employer. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This is not my employer. Delete it immediately from my report.
XXXX. XXXX XXXX Bankruptcy XXXX XXXX : XXXX XXXX a bit dumbfounded by how you were able to verify this account when the other bureaus were not and have removed it from my credit report. Remove this inaccurate information immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
XXXX. XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account XXXX : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX FINANCE COMPANY LL Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX Account XXXX : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
XXXX. XXXX XXXX Account XXXX : XXXX XXXX is it possible that this account has a payment history when its a charge off. Delete this account immediately.
Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section XXXX ( a ) ( XXXX ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter XXXX result in a small claims action against your company, seeking {$5000.00} per violation for : XXXX. ) Defamation XXXX. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act XXXX. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 04/29/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
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XX/XX/XXXX Subject : Transunion erroneously deleting 28-year-old credit line in good standing causing a large 45-point difference in credit scores between credit reporting agencies.
What is this complaint about?
Transunion has for more than 23 years intentionally failed to include a current XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) that has been reported to them monthly as in good standing for more than 28 years.
What is the problem?
Transunions failure to accurately include this long-standing more than a 28-year-old account in my credit report and FICO score has caused my Transunion Report and FICO score to be erroneously scored inaccurately and much lower than it should be if factored into both my credit report and FICO score. This has caused me to suffer a great expense both financially and professionally as during the time since Transunion erroneously deleted this account on XXXX until now of not reporting it accurately in accordance with what XXXX has been directly reporting to them for the past 28 plus years.
What happened.
Transunion has stated that there was a credit dispute on XXXX that was not responded to, so they deleted my XXXX account for the credit report and have blocked it from being included in my credit report or factored into the calculation of my FICO scores since that time regardless of it still being reported monthly by XXXX. Although they have been contacted by both me and XXXX XXXX XXXX, the person who is responsible for credit reporting to all three credit reporting agencies, they have steadfastly refused to correct the error even though they stated they have no information on what the dispute was about or who submitted it.
What company is this complaint about?
TransUnion Corporate Office & Headquarters ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX This complaint is against the Transunion Credit Reporting Agency as they are violating my rights under the Federal Fair Credit Reporting Act ( FCRA ). Transunion is violating my consumer financial rights as listed below.
My right to know what is in my file.
Transunion is unable or unwilling to tell me what the XXXX was about or who submitted it. This is a XXXX with only two party 's involved, XXXX and me as no third-party withdrawers and payments are made. When I asked a Transunion supervisor to tell me what the dispute was about, she stated that they do not keep records for that long then stated that I would have to subpoena them for the information. When I asked why I would have to subpoena them for records she just told me do not exist and why not just correct my credit record to reflect what has been reported to them by XXXX XXXX this XXXX she stated it was against Transunion policy.
I have the right to ask for a credit score.
My credit score has been artificially suppressed many points lower than what is accurately being reported to Transunion would warrant. If Transunion had included this XXXX XXXX which is my oldest account, is an account that has stayed in good standing for more than twenty-eight years, and would if properly reported, show my percentage of credit being used far lower if the {$10000.00} limit with {$0.00} outstanding was being factored into my credit score, my credit score would be more in line with the other two credit reporting agencies such as XXXX and XXXX. For example, my XXXX credit report financial data is identical to my Transunion credit report *except* for this XXXX XXXX which XXXX has included in their report for more than 28 years. The difference is that by including this XXXX XXXX my XXXX Credit Score is more than *forty-five points* higher than my Transunion Credit Score .
My right to have consumer reporting agencies correct or delete *inaccurate, incomplete, or unverifiable information. XXXX Transunion 's policy of not including this XXXX XXXX account violates all three of this consumer financial right elements. Transunions refusal to include in my credit report that financial data being reported to them by XXXX makes my Transunion Credit Report both inaccurate and incomplete. In addition, Transunion is unable to state who made the initial dispute back in XXXX of XXXX or what the dispute was about makes it *unverified information. * I have a right for a consumer reporting agency to not report outdated negative information.
Transunions policy of not reinstating this account is in effect using outdated negative information to negatively influence my credit report and score. By omitting my XXXX XXXX, Transunion is using outdated erroneous negative information to impact several of the major credit score factors such as : Payment History : My XXXX XXXX account has been reported to them as in good standing with no late payments for more than 28 years. This has a HIGH IMPACT on my credit report and score.
Percentage of Credit Use : By Transunion not reporting my XXXX XXXX with a {$10000.00} limit with a {$0.00} outstanding balance, it dramatically affects the percentage of credit being used every month. Omitting this additional {$10000.00} of available credit causes my percent of credit being used to be much higher than it actually is which negatively affects with a HIGH IMPACT on my credit score.
Credit Age : Currently, Transunion shows my Credit Age as being five to seven years which is rated as only FAIR. If the 28 plus years of my XXXX XXXX Account were being properly reported by Transunion, my average credit age would be over NINE YEARS which makes it go from FAIR to EXCEPTIONAL which has a MEDIUM IMPACT on my credit score.
In conclusion, Transunion has had ample opportunity to correct these violations of my consumer rights but refuses to do so based, not on law, but on an unfair and illegal company policy. Transunion has stated that due to their *Company Policy* the only way to reinstate the account is for XXXX to change the account number or other info and then add it to my credit report account as a new account. This would then show the account to be new on all three credit reporting agencies and would wipe out 28 years of payment history resulting in a huge negative effect on all the credit reports from all three credit reporting agencies. Mrs. XXXX from XXXX tried to assist but could not resolve the issue due to Transunion stating it was their company policy to not correct such errors. Please see the email response from Mrs. XXXX XXXX XXXX ( attached ).
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX Toll Free : XXXX ext. XXXX XXXX Therefore, I request that Transunion immediately correct their reporting of my credit report to include this in-good-standing 28-year-old-plus XXXX XXXX account and immediately factor in the resulting financial data into my credit score. In addition, that they send a letter of a corrected score to every person or company that has accessed my Transunion Credit Report since XX/XX/XXXX. In addition, that Transunion is sanctioned, fined, and pay me restitution in the sum totaling ten percent of all of the interest I have paid on all accounts Ive had since I first complained and requested that they correct this erroneous credit reporting starting last XX/XX/XXXX until the time that they correct their continuing violation of my financial consumer rights.
Please contact me by either phone or email address listed below.
v/r XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX, FL XXXX
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| 02/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX, I disputed inaccurate information reporting on my credit report by XXXX. I was notified by the 3 credit reporting agencies, XXXX, XXXX and TransUnion that the information was verified. I disagreed with this information, so on XX/XX/XXXX I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes.
Ive also requested procedures in place for the bureaus because they have continually reported inaccurate information, knowingly and willingly. I sent a follow up on XX/XX/XXXX. I wanted to follow-up with the 3 credit reporting agencies, XXXX, XXXX and TransUnion. I notified them of the errors with the reporting and made it evident that they were knowingly and willfully reporting inaccurate information. This was my exact reason for my dispute : Please verify this account and It's a shame how you have conducted and supposedly verified this account. The errors are evident as they are inaccurate in more ways than one. When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. Should you deny my request, I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with Metro2 Compliance. I don't agree with the Credit Limit listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Please confirm the Status Code is also correct. I would like you to provide me with the Metro 2 Format, specifically Base Segment, Field 17A. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Please take my request seriously. You have again confirmed to me in writing that the information reported is in fact accurate. It is now my opinion that you may have mix or mis-merged this file onto my credit report. After my research, I have found that mis-merged files occur largely because the CRAs ' computers do not use sufficiently rigorous score or scale thresholds to match consumer data precisely, even when such unique identifiers as Social Security numbers are present. The nationwide CRAs rely on a match of only seven of nine digits of the SSN ( See Reeves v. Equifax Info. Serv. ) The CFPB has identified mixed files as a particularly challenging problem. I again request that you immediately remove this account from my credit profile. Last month, I requested you to provide me with the " reasonable procedures '' that you have in place, yet you didn't provide anything " specific '' with " first-hand knowledge '' about this reporting. Need I remind you that these procedures are designed to prevent inaccuracies. I've requested this in writing and once again, you have failed me. It is my right to know that you have actually followed YOUR own procedures. ( Rothery v. TransUnion, LLC. ) It's not enough to just have procedures put in place but that the employee also follows the procedures in each and every report they prepare ( See Konter v. CSC Credit Serv., Inc. ). You must not just have reasonable rules, but your employees must strictly follow those internal CRA rules ( Carroll v. Exxon Co. ). The FTC staff indicates that " [ o ] ne of the most significant compliance procedures to assure accuracy will be the training of new personnel and the retraining of current employees from time to time. Even isolated instances or error should be followed up and procedures adjusted in order to correct the cause of the error '' ( FTC, Compliance with the Fair Credit Reporting Act ). Since you have failed yet again, I implore you to do the right thing and remove this from my credit report.
On XX/XX/XXXX, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXX is reporting. I notified them that the information is inaccurate and unable to be verified per my request.
I sent my initial request for full verification of this account to XXXX on XX/XX/XXXX. They didnt provide me sufficient verification per my request which was made pursuant to th e FACT Act, Section 312. In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
On XX/XX/XXXX, I sent a follow up to XXXX to again request verification. I requested 29 very specific items to in fact verify the account, which, if needed would be requested during discovery if I were to ever file a lawsuit regarding my request. They failed to provide me with the requested information.
On XX/XX/XXXX, I sent a request of verification to XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. I requested information specifically in regards to UCC Article 9, which were as follows : 1 ) I would like to see my wet signature that was authenticated ( Authenticate is a broader term than sign and encompasses electronic signatures and similar methods. See U.C.C. 9-102 ( a ) ( 7 ). ) on a security agreement that describes the collateral.
2 ) Written confirmation that the " Right of Redemption '' was provided so that I know that my rights weren't violated under Article 9.
3 ) A copy of the notice of the intended disposition of the collateral, including the date after which a private sale occurred and the time and place of where the public sale was conducted.
4 ) Verification of the notice of my right to redeem the collateral after repossession by paying the full accelerated amount of the debt. ( U.C.C. 9-623 ).
5 ) Notice of the disposition of the collateral that contained all the required information and that it was accurate in all respects. Keep in mind that Article 9 adopts a " zero tolerance '' rule for mistakes or omissions in the notice of disposition.
As you guessed, they didnt provide me with any of this information. On XX/XX/XXXX, I requested a Deficiency Waiver in writing regarding the account. I also requested that they provide me with ALL 426 identifiers of their reporting to the bureaus as the information is inaccurate. As well, Ive requested that they remove this account from my credit report since they have failed to oblige the Fair Credit Reporting Act, the FACT Act Section 312, U.C.C. Section 9, Fair Credit Billing Act amongst many other laws put into place to protect my consumer rights. This, in my opinion is the reason that the Attorney Generals from more than half of the States have entered an agreement for them to follow.
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| 12/05/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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For purposes of this complaint, CRA ( Credit Reporting Agency ) will define Transunion, XXXX and XXXX.
i have attached evidence that affirms that the original delinquency dates for the accounts in question are XX/XX/XXXX and XX/XX/XXXX. if they have the time to scroll down the page they can see the first delinquency dates.I have already provided these documents to XXXX several times and they have continued to violate my rights afforded me under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. Additionally i have included XXXX XXXX response to my complaint XXXX, in which they specifically state " Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, not by the open date. '' The CRA has failed to delete from my credit report delinquencies reported by Nebraska child support that were originally reported in XX/XX/XXXX and XX/XX/XXXX, in violation of Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622. I have disputed the item ( s ) with the CRA more than 10 times in lieu of 7 year reporting period ( s ) mandated expiration date ( s ) from being antedated on my credit report. I have been refused credit on several occasions after XX/XX/XXXX and also XX/XX/XXXX because the CRA did not adhere to US Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 and continued to anted ate the delinquency on my credit report beyond 7 years. As of present, even though the creditor has provided the CRA documents that verifies the original delinquency date is in excess of 7 years, the CRA is refusing to delete the accounts that originated in XX/XX/XXXX and XX/XX/XXXX in violation of Title 15 Chapter 41 Subchapter III 1681c 605 ( a ) 4 which states : Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( see attach document ) Additionally, violations of my rights imposed upon my by the CRA are also highlighted by the letter of the law stated in US Title 15 Chapter 41 Subchapter III 1681 622 ( see attach document ) Information on overdue child support obligations. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. The latest disputes I have submitted to the CRA has only resulted in them updating the appropriate accounts as closed and paid, upon creditor verification. As of XX/XX/XXXX, The CRA failed on several occasions to delete the account ( s ) upon my submitted dispute and upon subsequent verification from the creditor that the originated more than 7 years ago. the CRA failed to act accordingly in and in violation of the contort of their legal duties assigned them under Title 15 Chapter 41 Subchapter III 1681c 605 a4 and Title 15 Chapter 41 Subchapter III 1681c 622 and have caused me a great hardship for over several years.
Company 's Response Thank you for contacting XXXX through the CFPB portal XX/XX/XXXX. We appreciate consumers who take the time to let us know about their experiences with our company. We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. According to your complaint, there are outdated child support debts appearing on your credit report. You stated that the original dates for the child support debts are in XX/XX/XXXX and XX/XX/XXXX, and that the debts should therefore be removed. Upon further research, according to our records, you have previously contacted us to dispute the child support account on your report. At your request, we began a reinvestigation of the disputed item, and the results were forwarded to you on XX/XX/XXXX. At that time, the data furnisher verified the information to be accurate as reported. Please note that accurate information can not be deleted. A national consumer credit reporting agency stores information from credit grantors, collection companies as well as public record information that include bankruptcies, judgments and liens. Potentially negative information, such as late payments and most public record items, which are obtained from courts and other government offices, remain on the personal credit report for up to seven years from the date of the original missed payment, not by the open date. Positive information may remain on the report indefinitely, although paid closed accounts generally display for up to 10 years from the date paid or closed. Requests for your credit history remain on your personal credit report for at least two years. If you have any additional supporting new documentation regarding the disputed information, you may forward that to XXXX for further review. If you disagree with the results of the reinvestigations, it is your legal right, under the FCRA, to add a 100-word statement specifying the nature of your dispute. The consumer statement will appear on your credit report and be viewable upon inquiry. If you would like our assistance in providing a concise statement, please contact us directly at the telephone number or address provided on your personal credit report and we would be happy to assist you. You may refer to the credit report that you received for the name, phone number ( if available ) and address of the data furnisher or public records office who verified that information. In addition, for more information regarding your credit and frequently asked questions, you may visit : XXXX : XXXX. Please note that there is nothing a credit repair company can do for you, including removing inaccurate credit information that you cant do for yourself for free. We believe it is important to supply you with information about specific credit repair laws. The Credit Repair Organization Act, a federal law, prohibits credit repair companies from taking consumers money until they have fully completed the services they promised. It also requires such firms to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under this law, consumers also have three days to withdraw from the contract. Please contact your local Attorney Generals office for further information regarding your specific state laws. For additional assistance, you may call the toll free telephone number provided on your personal credit report, obtained directly from XXXX, or write to XXXX at XXXX. XXXX XXXX, XXXX, TX XXXX Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with XXXX.
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| 03/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to you regarding the inaccurate information being reported on my credit report by XXXX XXXX XXXX XXXX. I have noticed several discrepancies in the information being reported by XXXX to the three major credit bureaus, TransUnion, XXXX, and XXXX. These inaccuracies have greatly affected my credit score, and as a result, my ability to secure loans and financial opportunities.
According to my credit reports from all three bureaus, I was reported as being 30 days late on XX/XX/XXXX, even though I have not missed any payments on this account. Additionally, the monthly payment reported by TransUnion and XXXX is {$55.00}, while XXXX shows {$46.00}. The Date Opened date reported by TransUnion is XX/XX/XXXX, while XXXX reports XX/XX/XXXX. The XXXX reported by TransUnion and XXXX is {$1000.00}, whereas XXXX shows {$900.00}. Furthermore, the High Credit reported by TransUnion and XXXX is {$2100.00}, while XXXX shows {$0.00}.
Moreover, there are discrepancies in the Last Reported Date and Date Last Active fields. TransUnion and XXXX reported the Last Reported Date as XX/XX/XXXX, while XXXX reported XX/XX/XXXX. TransUnion reported the Date Last Active as XX/XX/XXXX, while XXXX reported XX/XX/XXXX, and XXXX did not report this information. Additionally, XXXX reported the Date Last Active as XX/XX/XXXX, whereas TransUnion and XXXX did not report this information.
These discrepancies are in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), specifically sections 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which require credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports and provide consumers with the right to dispute inaccurate or incomplete information in their credit reports and have it corrected.
XXXX XXXX. According to my credit reports from XXXX, XXXX, and TransUnion, there are several inaccuracies regarding the account details for XXXX XXXX, account number XXXX.
Firstly, the date opened for this account varies among the three credit bureaus, with XXXX and XXXX reporting the date as XX/XX/XXXX, while TransUnion reports the date as XX/XX/XXXX. This discrepancy needs to be addressed, as it is causing confusion and negatively impacting my credit score.
Secondly, the reported balance on this account also varies between the credit bureaus, with XXXX and XXXX showing a balance of {$6100.00}, while TransUnion reports the balance as {$6200.00}. This inconsistency needs to be corrected as it is causing further harm to my credit score.
Thirdly, the credit limit for this account is also inconsistent among the credit bureaus, with TransUnion and XXXX reporting the credit limit as {$6500.00}, while XXXX reports the credit limit as {$0.00}. This inaccuracy needs to be addressed as it is causing confusion and negatively impacting my credit score.
I would like to point out that these discrepancies violate several consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), Real Estate Settlement Procedures Act ( RESPA ), and Equal Credit Opportunity Act ( ECOA ).
XXXX XXXX XXXX According to TransUnion and XXXX, the account type detail shows as an Auto Lease, while XXXX did not report any information about this account. Additionally, TransUnion and XXXX reported the date opened as XX/XX/XXXX, while XXXX reported XX/XX/XXXX.
Furthermore, TransUnion and XXXX reported that I was 30 days late on XX/XX/XXXX, even though I did not miss any payments on this account. This error is negatively impacting my credit score and my ability to obtain financing for a home or car.
I believe XXXX XXXX has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( b ), which require credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports and provide consumers with the right to dispute inaccurate or incomplete information in their credit reports and have it corrected.
XXXX XXXX XXXX, is reporting a 30-day late payment on XX/XX/XXXX, but I did not miss any payments on this account.
Furthermore, there are discrepancies among the three credit bureaus regarding the account type and details, date opened, and balance. Transunion and XXXX reported the account type as Auto Lease, while XXXX reported it as XXXX. XXXX and XXXX reported the date opened as XX/XX/XXXX, while Transunion reported it as XX/XX/XXXX. Transunion and XXXX reported the balance as {$11000.00}, while XXXX reported it as {$10000.00}.
These discrepancies have had a significant negative impact on my credit score and financial stability. As a result, I have been denied credit, including loans for a much-needed car purchase and a home mortgage. This has caused immense stress and frustration in my personal and professional life.
I believe that these reporting errors are in violation of the Fair Credit Reporting Act, specifically Section 623 ( a ) ( 1 ) ( A ) and Section 623 ( b ), which require credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports and provide consumers with the right to dispute inaccurate or incomplete information in their credit reports and to have it corrected.
According to the information provided by the credit reporting agencies, I have been 30 days late on payments for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which is not true. I have never missed a payment on this account. Furthermore, there are discrepancies in the account details reported by the different bureaus.
Transunion or XXXX have reported that the account type-detail is Auto Loan, but XXXX did not report it. Additionally, XXXX or XXXX reported that the date opened was XX/XX/XXXX, but Transunion reported it as XX/XX/XXXX. Moreover, Transunion or XXXX reported the balance as {$14000.00}, while XXXX reported it as {$14000.00}.
These inaccuracies are in violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 1 ) ( A ) which requires credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports, and Section 623 ( b ) which provides consumers with the right to dispute inaccurate or incomplete information in their credit reports and to have it corrected. Additionally, the Fair and Accurate Credit Transactions Act ( FACTA ) violations, specifically Section 312 ( a ) ( 1 ) which requires credit reporting agencies to maintain reasonable procedures to ensure accuracy in consumer reports, and Section 312 ( b ) which provides consumers with the right to dispute inaccurate or incomplete information in their credit reports and to have it corrected.
These inaccuracies have had a significant negative impact on my life. As a result of the incorrect information on my credit report, I have been denied credit and loan applications, and have been unable to secure a favorable interest rate for the loans I have been approved for. This has made it difficult for me to purchase a home and a car, which are essential for my daily life.
Therefore, I am requesting that you enforce the legal requirements outlined in FCRA and FACTA and remove these unverified collection accounts from my credit report. I look forward to hearing from you soon.
Sincerely, XXXX XXXX
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| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( XXXX ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC XXXX XXXX XXXX agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 04/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The credit agencies states that they have met its obligations under the FCRA ; and have respectfully declined request for compensation. They claim to be in ] the process of contacting the disputed data furnisher ( s ) and or public record vendor to verify the accuracy of the information with which is disagreed. They claim they are in the process of contacting the disputed data furnisher to verify the accuracy of the information with which i disagree. Please note that a reinvestigation may take up to 30 days. Now this is a vague and ambiguous answer not detailed to my specific needs as a woman in flesh and blood. What is the standard for validation and verification and the credit bureaus must answer this question in full with a dictionary or blacks law dictionary! I need to know how they are validating and verifying. For in this matter the Bank acknowledged the payments then the bank reversed payment in full and added late fees. Now by law if the tender of payment is refused in this case it was refused declined and or other, the debt must be discharged. Please provide a copy of the validation documents and verification documents sent to all of you and post it here on the CFPB website and mail me a hard copy please. I have sent a copy of an AFFIDAVIT OF TRUTH THIS AFFIDAVIT IS SELF AUTHENTICATING BY WAY OF THE LAWFUL NOTIFICATION : FOR TENDER OF PAYMENT OFFERING RECEIVED ACCEPTED OR DECLINED Come now and notice that I the woman owner of said property acquired by purchase! i have not received a letter [ s ] from the CEO or Controllers from the Back Office of XXXX XXXX, or CEO said agency or corporation concerning the decline of the Tender of Payment Offer. Please provide in writing your legal and or lawful reason [ s ] for not accepting the government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation. A letter from the Research Department is not the proper channel for this type of payment because they do not know what the Tender Of Payment is! Such is legal Tender for property and this card was used to secure such. A copy of the Tendered payment was mailed to the US Treasury and received for you to retrieve payment! Please note ; In the United States, a mortgage note ( also known as a real estate lien note, borrower 's note ) is a promissory note secured by a specified mortgage loan. Mortgage notes are a written promise to repay a specified sum of money plus interest at a specified rate and length of time to fulfill the promise. It's the promissory note that contains the promise to repay the amount borrowed. ( Learn more about promissory notes. ) While a promissory note is basically an IOU that contains the promise to repay the loan, the contractual agreement is the document that pledges the property as security for the loan. 3-603. TENDER OF PAYMENT. ( a ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument, the effect of tender is governed by principles of law applicable to tender of payment under a simple contract. ( b ) If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused, there is discharge, to the extent of the amount of the tender, of the obligation of an endorser or accommodation party having a right of recourse with respect to the obligation to which the tender relates. ( c ) If tender of payment of an amount due on an instrument is made to a person entitled to enforce the instrument, the obligation of the obligor to pay interest after the due date on the amount tendered is discharged. Thus all is dealing with property of State of the people and my private property, singed by ss # XXXX XXXX XXXX noted that all calls are recorded.
IN THE MATTER OF ARBITRATION BETWEEN THE FOLLOWING PARTIES You are unlawfully demanding and or attempting to collect late fees and/or parents in violation of the terms of the agreement and the arbitration process as you have claimed a debt is owed after tender of payment, you are hereby order to cease and desist from any further attempts at such collection! If you continue to ignore the terms of the agreement, the daily penalty rate will insure for each day since the entering of agreement and the default of infraction. A request will be made to the Arbitrator to adjust the award as a result of the calculations not previously taken into account by the soon to be arbitrator, as is permitted via the Federal Arbitration Act 9 USC 1-16. I have asked for Arbitration or Meditation Demanded if there is threat of collections or taking of property hereafter the tender of payment has been offered thereto XXXX XXXX a National Associated Bank or State Bank in concert with the FDIC and the United States Of America. Please note this is a legal tender and not a fictions currency but back by the " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, March 9, 1933 on HR 1491 p. 83. Therefore tender of payment or The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( Dec. 23, 1913, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; Aug. 23, 1935, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) Therefore this is lawful money and United States Currency and not illegal. The bank has declined payment on multiple times and was asked to provide their legal and lawful reasons for declining of payment and has failed to do so. 15 USC 1681et seq 603. Definitions rules of contraction please provide this information with clarity remember i am not an employee of said agencies therefore i do not understand your information reasons and definition please disclose and provide clarity.
606. Disclosure of investigation - please show the verification information provided to you from the company to me as well.
607. Compliance Disclosure to governmental agencies meaning post it on the CFPB site as well mail it out to consumer 611. Procedure in case of dispute accuracy Public record information for employment please provide and stop posting or reporting fax locations 614. Restriction 619. Obtaining information under false pretenses - claiming to get the validation or verification from said company but only check as far as one person or a customer service representative or a recording when the back office or CEO is required to respond in this matter.
625.
Please be advised we have received letter [ s ] stating that said bank does receive US Currency and the Tender of Payment is just that US Currency. I received confirmation on XX/XX/XXXX via USPS mail that they have received payment but have declined payment and added interest to the account which is illegal and unlawful.
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| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX -This employer belongs to someone else. Delete it from my report immediately.
XXXX. The inquiry was not authorized XXXX XXXX A Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXXXXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXXederal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry is unauthorized and fraudulent. Please delete at once.
XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well.
The account that is being disputed, does not belong to me. The below is my sworn statement concerning these credit issues.
It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.
The trade lines listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. XXXX Credit Bureau and XXXX Credit Bureau have been cooperative and have removed the account, but Transunion has refused to remove the fraudulent account. Therefore, I have come to you to resolve these issues. The law says that you must block this account while being investigated, and I expect that you will do so.
Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document.
Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).
All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX date opened as it indicated on Transunion credit Report XX/XX/2017 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate.
I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address.
And I'm excepting from you to remove this account immediately.
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| 09/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have sent letters to the credit bureaus on XX/XX/22 and XX/XX/22 requesting validation of the following accounts. The bureaus have failed to verify these accounts as requested and that is a violation of the FCRA. The accounts and reasons are listed as follows : XXXX XXXXXXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXXXXXX This account is reporting as a collection account, but I was never late on this account. I have asked for the statements verifying this account was paid late and now in collections, but I have not received any verifying documents. Please delete this account immediately.
XXXX XXXX XXXX I was never late in paying this account and the creditor has failed to provide me with a statement verifying these late payments. I am requesting all late payments be removed from this account.
XXXX XXXX XXXXXXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately.
XXXX XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately.
XXXX XXXXXXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXXXXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately.
XXXX XXXX XXXX XXXX This account is reporting late payments and I am sure I have never been late. I requested proof of the late payments in the form of a statement, and it has not been provided. Since these late payments can not be verified, I am requesting the late payments be removed immediately.
XXXX XXXX XXXX XXXXXXXX This account is reporting late payments and I am sure I have never been late. I requested proof of the late payments in the form of a statement, and it has not been provided. Since these late payments can not be verified, I am requesting the late payments be removed immediately.
XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX This collection account is reporting a Past Due Amount. A collection account can not have a past due balance which means this account is not accurate and is a violation of the FCRA. Please delete this account immediately.
XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXXXXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX XXXXXXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX XXXXXXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
No Account Name XXXX How is this account reporting as accurate when it is incomplete and does not list a creditor at all. This is an FCRA violation. Please delete immediately.
XXXX XXXX XXXXXXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX XXXX XXXXXXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX This account is reporting as a collection account and an open account at the same time. Per the FCRA, all accounts must be 100 % accurate to report on my credit profile. Since this account is reporting as both open and in collections, this is a violation. Please delete this account immediately.
XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
XXXX XXXX XXXX XXXX This account is not reporting the same across all three bureaus. Per the FCRA, all accounts must be 100 % accurate and complete. This account is not accurate if it is not reporting the same across all three bureaus. Please delete this account immediately.
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| 08/24/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Due to these facts, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character, & information breach, using fictitious names, reporting false information, punitive, and what ever codes and laws that are applicable!. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, ( which it already has ). I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond with clarity to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. This also includes not contracting with other credit reporting companies or debt collectors using means of extortion in attempt to collect something that was never due. There is also the matter of information breach which XXXX puts me at risk currently, It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION : Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor. Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this deb was assigned or sold to collector.
Complete accounting of alleged debt. Meaning public and private side of bookeeping, and XXXX # XXXX purchase price for information from alleged creditor, or information provider Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for COLLECTION AGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Memorandum in support A misrepresentation is an assertion that is not in accord with the truth.
When a person enters a contract because of his justifiable reliance on a misrepresentation about some important fact, the contract is voidable.
Misrepresentations can be either : 1. innocent ( not intentionally deceptive ) or 2. fraudulent ( made with the knowledge of falsity and intent to deceive ). Contracts induced by misrepresentation or fraud are generally considered voidable. This means that the person whose consent was not real has the power to rescind ( cancel ) the contract.
The elements of misrepresentation and fraud are as follows - notice the similarities. ( authors addition ) Innocent misrepresentation Fraud 1. Untrue assertion of fact ( or equivalent ) 2. Assertion relates to material fact 3. Actual reliance 4. Justifiable reliance 1. Untrue assertion of fact ( or equivalent ) 2. Assertion made with knowledge of falsity and intent to deceive 3. Actual reliance 4. Justifiable reliance 5. Economic loss ( in a tort action for damages.
PARTS OF A LAWFUL CONTRACT 1. Parties competent to contract The parties to a contract should be competent, being of the age of consent, of sound mind, not disqualified from contracting by any law to which s/he is subject. A flaw in capacity may be due to minority, lunacy, idiocy, drunkenness or kind. The parties should be of like kind, being either artificial Legal Entity and artificial Legal Entity, or living Man/Woman and living Man/Woman, allowing more than two parties but never a mixture of these kinds.
2. Free and genuine consent The consent of the parties to the agreement must be free and genuine. The consent of the parties should not be obtained by misrepresentation, fraud, undue influence, coercion or mistake. If the consent is obtained by any of these means, then the contract is not valid or lawfully enforceable.
3. Full disclosure When negotiating a contract, full disclosure is the act of providing all material information, or telling the whole truth, about any matter which may influence the decision-making of the other party or parties before they decide to enter into a contract.
4. Sufficient consideration The consideration is something of value possessed by the parties that is brought to the contract table. This something of value is bargained for and given in exchange for a promise or a performance. The parties must each receive a benefit and each suffer a detriment. To be enforceable, a contract must have sufficient consideration. A contract is unenforceable if it has insufficient or unequal consideration without agreement.
5. Certainty of terms The Terms and Conditions of the contract must be fully disclosed and agreed upon, and must be certain and fixed, i.e. not variable as with interest rates.
6. Meeting of the minds A meeting of the minds consensus ad idem, occurs between the parties when they recognise each other, understand their mutual obligations, and agree. This meeting of minds can only occur between like kinds, being Legal Entity with Legal Entity, or Man/Woman with Man/Woman. A corporation and another corporation may enter into contract by way of accommodation parties, and a sentient being and another sentient being may enter into a contract directly, but a corporation and a sentient being together can not enter into a contract as they are notof the same and equal kind.
7. Signatures or autographs Written contracts between Legal Entity actors must carry the wet ink signatures of the parties, each wet ink signature being anaccommodation from a Man/Woman. Written contracts between living Men/Women must carry the wet ink autographs of the parties, and/or living identification such as a thumbprint. Living standing is recognised by a thumbprint, or more often by an unambiguous declaration with the autograph, such as authorised agent written below.
8. Privity of contract A contract exists only between the parties. No third-party can obtain rights contained within a contract, or buy or sell a contract, without the express permission of the original parties.
Best Regards XXXX XXXX.
cc : Federal Trade Commission.
THIS IS A LETTER COMMUNICATION FROM XXXX XXXX ( XXXX. ) and not XXXX XXXX.
reserves all rights UCC 1-308
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| 09/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX bring this action and states a claim to secure redress and damages from unlawful credit reporting and collection practices of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. They have and continue to attempt to collect and reported as a defaulted debt on Plaintiffs credit as justification to report negatively and collect on a debt that plaintiff didnt owe by using coercion as you will understand by the end of complaint ; Further that it would have been impossible for Me [ XXXX XXXX XXXX ] Plaintiff to sign any Electronic Promissory Note rendering the Promissory Note Defendants stated Plaintiff allegedly owing then signed void, invalid, a non-existent contract or agreement thus to be immediately removed off my credit report ; In order to have a contract it must be voluntary between 2 parties ( I Plaintiff was an involuntary party ) XXXX XXXX XXXX alleges violation of the Fair Credit Reporting Act, 15 U.S.C. {$1600.00} et seq. ( FCRA ) ; and the Fair Debt Collection Practices Act, 15 U.S.C. {$1600.00} et seq. ( FDCPA ) for every count or statement in this compliant. The 3 Credit Bureaus failed in their fiduciary responsibility to inspect and remove XXXX XXXX or XXXX Filings off Plaintiffs credit report once Plaintiff disputed them.
This action is also brought pursuant to the Truth in Lending Act ( TILA ), 102, 15 U.S.C.A. 1601 et seq. Plaintiff also seeks a Declaratory Judgment that the Loan is satisfied for the purposes of having it removed off of my credit report. Plaintiff also brings this action for redress against Defendants because they knowingly provided fraudulent documents to 3 Major Credit Bureaus including not limited to Transunion, XXXX and XXXX ( Who failed ) in their fiduciary responsibility to investigate and report true and accurate reports collectively injuring Plaintiff. The Credit Bureau Defendants are business entities with credit information about prospective or current customers with regard to their credit ratings, and their actions are regulated in part by the Fair Credit Reporting Act. ) as well as other ( Defendants et, al ) ; by illegally justifying a default against Plaintiff namely via a Promissory Note [ Which Plaintiff did not sign via wet-note nor electronic signature ; thus no contract existed ]. Plaintiff also seeks damages for pain, suffering and emotional distress due to the inability to obtain credit based on this willful act causing additional duress. All allegations made in this Complaint are based upon information and belief except those allegations which pertain to Plaintiff, which are based on personal knowledge. Each allegation in this Complaint either has evidentiary support or is likely to have evidentiary support after a reasonable opportunity for further investigation or discovery. Whenever in this Complaint reference is made to any act, deed or conduct of [ Defendants and or Parties ], the allegation means that Defendants engaged in the act, deed or conduct by or through one or more of their officers, directors, agents, employees or representatives who was actively engaged in the management, direction, control or transaction of the ordinary business and affairs of one or more of the Defendants et, al.
Plaintiff is informed and believes, and on that basis alleges, that at all times material, each principal of the Defendants was the agent, servant and/or employee of the Defendants et, al, acted within the purpose, scope and course of such agency, service and/or employment and with the express and/or implied knowledge, permission and consent of the other Defendants, and ratified and approved the acts of the Defendants et, al. I am also claiming Duress against Defendants etal or any person or company in this complaint This case is brought within one year of the violations in compliance with the statute of limitations at 15 U.S.C.A. 1692k ( d ) and within four years of violation of state law.
Attached in [ Exhibit A ] is the " MPN '' Promissory Note That XXXX and XXXX XXXX attested to that I allegedly signed. There are several problems with this assertion [ Page 4 of 9 ] 1st There are two different dates on the Note they claim I executed dated XX/XX/XXXX which was a National Holiday XX/XX/XXXX and could not have been executed 2nd there was another date on the same Promissory Note Dated XX/XX/XXXX 3rd all of the accounts and numbers are redacted so how as a consumer would that be legitimate or acceptable for me to investigate When the Note was mailed directly to me ; there was no reason to redact any information.
[ Attachment B ] Lastly there was no possible way i could have signed this MPN Promissory Note in XX/XX/XXXX or XX/XX/XXXX because according to the US Department Of Education [ Attachment B ] I never had a FSA ID Which is the only way to sign a MPN Master Promissory Note [ Attachment X ]. I just received my FSA ID on XX/XX/XXXX.
[ Exhibit C ] XXXX XXXX are still reporting this to 3 credit bureaus negatively affecting my ability to obtain credit What Payment did I agree to that I missed?
[ Exhibit D ] XXXX XXXX and XXXX Admitted they entered a Default against me in error so why won't they and 3 major credit bureaus remove it. It is the responsibility of the 3 Credit Bureaus to remove an account if there is no wet note signature and I never signed a contract rendering their Contract/Note void. Non-Existent.
[ Attachment E ] A credit report dated XX/XX/XXXX shows page 2 Student Loans {$77000.00}. I have been harassed by phone and letter for an amount over the {$45000.00} they claim I owe wrongfully by parties. See [ Attachment F ] {$45000.00} [ Attachment I.A ] The parties to this complaint are claiming I owe yet a different amount {$44000.00} also note the harassing & threatening tone of the letter threatening to offset my taxes by the IRS if I dont pay this alleged Promissory Note dated XX/XX/XXXX.
[ Attachment I ] Caivrs Authorization Report proving I never defaulted on a Student Loan yet the parties tried to coerce me into saying I owed which I dont. See [ Attachment # 1 # 2 # 3 ] XXXX also reported a XXXX Balance then proceeded to sell account multiple times like a shell game. See XXXX XXXX # 1, # 2, # 3 reports dating from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
[ Attachment P ] Look at the 3 Major Credit Bureaus responses and position XXXX In Sum Saying on XX/XX/XXXX The Creditors verified its accuracy. Look at [ Attachment A ] and tell me by looking at this fake promissory note that it would even qualify as accurate or legitimate. The credit further state they wont even re-investigate it. Even thought I disagreed with their findings. The Creditors pay the Credit Bureaus to report information and thats not fair. The Credit Bureaus have no incentive to report truthfully for the consumer. On the report they are claiming I owe yet again a different amount page 3 of 8. I also requested the 3 Credit Bureaus stop advertising against my SSN. The Dept of Ed Showed I never Defaulted.
[ Attachment O ] look how low my score is it should be perfect by now ; yet another amount Parties stated I owe {$32000.00}. I have filed Federal Complaints and Complaints with The AG IL Office. Please note I never signed the Promissory Note thus no note Existed therefore it should be removed off immediately I owe {$0.00}.
I reserve all my rights Thank You!
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| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to formally file a dispute regarding the inaccurate information present on my credit report, as well as the potential violations of consumer protection laws. I believe the following creditors have engaged in activities that warrant your immediate attention : XXXX XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX Account number : XXXX, Please remove it from my credit report. I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX AZ XXXX : Address, The following personal information is incorrect. This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX | XX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXXXX/XX/XXXX : Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXXXXXX XXXX XXXX NY XXXX : Address, The following personal information is incorrect. This address belongs to someone else. Delete it from my report immediately.
I believe that these creditors have violated multiple consumer protection laws, including but not limited to the Fair Credit Reporting Act ( FCRA ). The actions of these creditors have had a profound impact on my life, causing immense emotional distress and financial hardship.
For instance, I vividly recall the day when I discovered these inaccuracies on my credit report. The weight of the situation hit me like a ton of bricks. I had been diligently working to maintain a strong credit history, as I had plans to secure a mortgage for my first home. However, the erroneous late payments, fraudulent inquiries, and inaccurate account information have shattered my dreams and aspirations. This is not just a matter of credit scores ; it's a matter of my financial well-being and future security.
My journey has been filled with sleepless nights, anxiety-laden days, and the constant fear of not being able to achieve my goals due to circumstances beyond my control. I have been denied access to favorable interest rates, better housing options, and even job opportunities due to the tarnished credit report that does not accurately reflect my financial responsibility.
I implore the Consumer Financial Protection Bureau to enforce the legal protections that have been put in place to safeguard consumers like me from the predatory practices of creditors. It is my sincere hope that the CFPB will thoroughly investigate these violations and hold these creditors accountable for their actions.
In light of these violations and the profound negative impact they have had on my life, I kindly request that the aforementioned creditors take immediate action to remove these unverified accounts from my credit report. This would not only rectify the inaccuracies but also provide me with the opportunity to rebuild my financial future and regain control over my life.
Thank you for your attention to this matter. I trust that the CFPB will work diligently to ensure justice is served, and consumers are protected from such distressing experiences.
Sincerely, XXXX XXXX XXXX
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union CorpXXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
2. XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
3. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
4. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
5. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
14. XXXX XXXX Account Number : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status balance comments payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
17. The following personal information is incorrect ALSO KNOWN AS : XXXX XXXX 18. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
22. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
23. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
24. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
25. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
26. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
27. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
28. The following personal information is incorrect CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX
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| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report.
The Credit Bureaus never did a proper " investigation '' according to the FCRA The term " investigative consumer report '' means a consumer report portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They did not do this.
Also, they have violated my rights even more I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( XXXX ).
I've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section XXXX - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company.
CRA 's continue to report inaccurate information when suppose to be 100 % accurate according to FCRA. CRA 's comes back and say account " VERIFIED '' but how is this so when my name is spelled wrong. My name is not XXXX XXXX nor is it XXXX XXXX XXXX. I only have one address XXXX XXXX XXXX XXXX XXXX, GA XXXX CRA 's reporting inaccurate information ... example on XXXX reporting XXXX XXXX. Act # XXXX Date Opened as XX/XX/XXXX, and TRANSUNION reporting Date Opened as XX/XX/XXXX. XXXX reporting Date Last reported as XX/XX/XXXX, and XXXX reporting Date Last reported as XX/XX/XXXX. XXXX reporting Date Last Active as XX/XX/XXXX, and XXXX reporting as XX/XX/XXXX. Also account number does not review the last numbers of the account number to verify if the accurate is accurate. ( See Credit Report Attached ) I never received the Social Security Form SSA89 the Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs 15 U.S.C. 1681 s-XXXX ( 8 ) ( E ) Responsibilities of Furnishers of information to consumer reporting agencies ( 8 ) Ability of consumer to dispute information directly with furnisher ( E ) Duty of person after receiving notice of dispute After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such persons investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 1681i ( a ) ( XXXX XXXX of this title within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate.
I also was never advised that I could have " OPT OUT '' of the consumer reporting prior to items being put on my credit report. These companies never disclosed to me that my private personal nonpublic information would be shared to nonaffiliated third parties, nor did they provide me with their company policies concerning this matter. Using my information with my consent is a Privacy violation and a Crime according to 18 U.S.C. 1028.
When the creditor is in violation of the Truth in Lending Act, the cardholder has the right to seek any actual damages resulting from the violation, statutory damages of up to {$5000.00} for a single violation, and more where the violations are part of a pattern or practice, as well as attorneys fees. [ See 15 USC 1640 ( a ) ( 1 ) [ actual damages ; 15 USC 1640 ( a ) ( XXXX ) ( a ) ( i ) and ( a ) ( XXXX ) ( a ) ( iii ) [ statutory damages ] ; 15 USC 1640 ( a ) ( XXXX ) [ attorneys fees and cost ] ; and 15 USC 1640 ( e ) and ( h ) [ recoupment and set-off rights ]. The right to recover for violations of this Act may be brought even after the entry of a default judgment against the cardholder by any court of compete jurisdiction.
REMAINING QUESTIONS OF FACT 1. Whether the creditor complied with the Truth in Truth Lending Act, which is mandatory for enforcement of a credit card agreement ; 2. Whether the creditor clearly and conspicuously disclose to consumer, in writing or electronic form or other permitted by the regulations prescribed under section 6804, that such information may be disclosed to third parties ; 3. Whether the creditor provided in writing to consumer that his/her private, personal nonpublic information would be shared, sold and distributed to nonaffiliates third parties 4. Whether the creditor disclosure their company privacy policies to consumer in writing at the time of establishing a customer relationship.
15 USC 1681 Congressional findings and statement of purpose ( a ) Accuracy and Fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
( Pub. L. 90321, title VI, 602, as added Pub. L. 91508, title VI, 601, XXXX. XXXX, XXXX, 84 Stat. 1128. ) Please deleted these accounts XXXX XXXX XXXX XXXX days after the receipt of my information
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| 02/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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DELETE ALL LISTED BELOW INACCURATELY REPORTED INFORMATION XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$2700.00} {$0.00} {$2700.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2700.00} {$2700.00} {$2700.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Department/Variety and Other Retail Miscellaneous Department and Variety Stores Complete Department Stores Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by XXXXredit grantor Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$2700.00} {$2700.00} {$2700.00} Account Type : Charge account Charge account -- Payment Frequency : -- -- -- Credit Limit : {$2300.00} {$2300.00} -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$3200.00} {$0.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$3200.00} {$3200.00} -- Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Bank Bank Credit Cards XXXX Account Status : Closed Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Charged off as bad debt Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Unpaid balance reported as a loss by the credit grantor.
-- Payment Amount : {$0.00} {$0.00} -- Last Payment : XX/XX/XXXX XX/XX/XXXX -- Term Length : -- -- -- Past Due Amount : {$3200.00} {$3200.00} -- Account Type : Credit Card Credit Card -- Payment Frequency : -- -- -- Credit Limit : {$3000.00} {$3000.00} -- XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$2300.00} {$2300.00} {$2500.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$2000.00} {$2000.00} {$2000.00} Closed Date : -- -- -- Account Rating : Open Open Open Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Bank Bank Credit Cards All Banks Account Status : Open Open Open Payment Status : Current Current Current Creditor Remarks : Dispute resolved; reported by grantor Account was in dispute - now resolved - reported by subscriber.
Credit card Account previously in dispute - now resolved by data furnisher Payment Amount : {$67.00} {$67.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Term Length : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Credit Card Credit Card Credit Card Payment Frequency : -- -- -- Credit Limit : {$2500.00} {$2500.00} -- Two-Year payment history TransUnion XXXX XXXX Days Late - 7 Year History TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$21000.00} {$21000.00} {$21000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$0.00} {$0.00} {$0.00} Closed Date : XXXX -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account not disputed Creditor Type : Finance/Personal Personal Loan Companies Auto Financing Account Status : Closed Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
-- -- -- Payment Amount : {$0.00} {$0.00} {$0.00} Last Payment : XX/XX/XXXX XX/XX/XXXX Term Length : XXXX ( XXXX ) XXXX ( s ) -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : Auto Loan Auto Loan -- Payment Frequency : Monthly ( every month ) -- -- Credit Limit : -- -- -- XXXX TransUnion XXXX XXXX Account # : XXXX XXXX -- High Balance : {$1500.00} {$1500.00} -- Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX -- Date Reported : XX/XX/XXXX XX/XX/XXXX -- Date Opened : XX/XX/XXXX XX/XX/XXXX -- Balance Owed : {$1500.00} {$1500.00} -- Closed Date : -- -- -- Account Rating : Derogatory Derogatory -- Account Description : Individual Individual -- Dispute Status : Account not disputed Account not disputed -- Creditor Type : Collection Services Other Collection Agencies -- Account Status : Open Closed -- Payment Status : Collection/Chargeoff Collection/Chargeoff -- Creditor Remarks : Placed for collection -- -- Original Creditor : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- Last Payment XXXX XXXX XXXX XXXX Past Due Amount : {$0.00} {$0.00} -- Account Type : -- -- -- XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$3000.00} {$3000.00} {$3000.00} Last Verified : XX/XX/XXXX -- -- Date of Last Activity : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance Owed : {$3000.00} {$3000.00} {$3000.00} Closed Date : -- -- -- Account Rating : Derogatory Derogatory Derogatory Account Description : Individual Individual Individual Dispute Status : Account not disputed Account not disputed Account disputed Creditor Type : Collection Services Other Collection Agencies Other Collection Agencies Account Status : Open Closed Closed Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Creditor Remarks : Dispute resolved; customer disagrees Subscriber reports XXXXispute resolved - consumer disagrees .
Consumer disputes after resolution Subject has not satisfied debt.
Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last Payment : -- -- -- Past Due Amount : {$0.00} {$0.00} {$0.00} Account Type : -- -- -- DELETE ALL LISTED INQUIRIES WITH ALL CREDIT REPORTING BUREAUS NOT AUTHORIZED INACCURATELY REPORTING UNDER MY CREDIT REPORT.
Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XX/XX/XXXX XXXX
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| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to file a formal dispute regarding the actions of XXXX XXXX in relation to my account with them. My account number is XXXX.
According to TransUnion, my payment status with XXXX XXXX is a charge off account. However, I never received any notification from XXXX XXXX regarding this charge off account. Additionally, they never provided any paperwork with me regarding this matter.
I believe that XXXX XXXX violated the Fair Credit Reporting Act ( FCRA ), specifically Section 623 ( a ) ( 7 ) of the FCRA, which requires creditors to provide written notification to consumers when their account is charged off. Subsection ( a ) ( 7 ) of Section 623 states that " a person who furnishes information to a consumer reporting agency shall ... notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action, chargeoff, or assignment ... and, if the furnished information relates to a delinquent account placed for collection, charged to profit or loss, or subjected to any similar action, the person furnishing the information shall ... notify the consumer ... that the consumer 's delinquent account was placed for collection, charged to profit or loss, or subjected to any similar action. '' XXXX XXXX XXXX failure to provide me with written notification of the charge off status of my account is a clear violation of this subsection of the FCRA. This has greatly impacted my life as the inaccurate negative information on my credit report has made it difficult for me to secure loans or credit cards, which I need to improve my financial situation.
XXXX XXXX XXXX XXXX regarding my account with them. According to XXXX and XXXX, my payment status is a charge off account, but I have never received any notification from XXXX XXXX XXXX regarding this charge off account, nor have they provided me with any paperwork.
Furthermore, there are discrepancies in the reported dates of last activity, date reported, and last payment date between XXXX and XXXX. XXXX reported the last activity date as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. XXXX also reported the date reported as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. Lastly, XXXX reported the last payment date as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX.
These discrepancies in reported dates may be a violation of the Fair and Accurate Credit Transactions Act ( FACTA ), which requires consumer reporting agencies to ensure the accuracy of the information they report.
Moreover, XXXX XXXX XXXX XXXX failure to provide me with written notification of the charge off status of my account violates Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). I believe that this violation needs to be addressed, and I request that the CFPB enforce legal action against XXXX XXXX XXXX for not complying with the FCRA.
XXXX XXXX XXXX According to all three credit bureaus, I was reported as 30 days late on my account in XX/XX/XXXX and my payment status was charged off, but I have never missed any payments on this account. Furthermore, I have not received any notification or paperwork regarding this charge off account.
This inaccurate reporting by XXXX XXXX has caused significant negative impact on my life. I have been denied loans, credit cards, and other financial opportunities due to this misinformation. It has caused me immense stress and frustration to know that my credit score is being affected by an error that is not of my doing.
I believe XXXX XXXX has violated several laws including Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). The FCRA requires creditors to report accurate and complete information to consumer reporting agencies and to provide written notification to consumers when their account is charged off. XXXX XXXX has failed to meet both these requirements.
XXXX XXXX XXXX to TransUnion, the Last Verified date for the account is XX/XX/XXXX, but XXXX and XXXX have not reported this information. Additionally, there are discrepancies in the reported dates of last activity, date reported, and last payment date between the three bureaus.
Furthermore, according to XXXX, I was 30 days late on XX/XX/XXXX, but I did not miss any payments on this account. All three bureaus also report the payment status as 30 Days Late. However, I have never received any notification from XXXX XXXX this late payment, nor have they provided any paperwork to support it.
XXXX XXXX and XXXX. According to my credit report, the account number XXXX with XXXX XXXX is listed as a charge off by XXXX, but I never received any written notification of this charge off status. Furthermore, the other two credit reporting agencies did not report any negative information regarding this account.
I believe this to be a violation of Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires creditors to provide written notification to consumers when their account is charged off. XXXX XXXX 's failure to provide me with written notification of the charge off status of my account violates this subsection.
XXXX XXXX, with account number XXXX, has been reporting a charge off status on my account without providing me with written notification of such status, which violates Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ). This has caused significant harm to my credit score and my ability to obtain credit in the future.
XXXX XXXX with account number XXXX, has also been reporting a charge off status on my account without providing me with written notification of such status. This violates Section 623 ( a ) ( 7 ) of the FCRA as well as potentially Section 623 ( a ) ( 2 ) of the FCRA, which requires accurate and complete reporting of information to consumer reporting agencies.
Department of Education/NELN XXXX According to XXXX and XXXX bureaus, I was 90 days late on five occasions, but I have not missed any payments on this account. Furthermore, there are discrepancies in the last payment date and the date reported between the two credit bureaus.
This inaccurate reporting has had a significant impact on my life. As a recent college graduate, I am trying to establish myself and build a good credit history. However, these false reports are preventing me from achieving my goals. I have been denied credit and financing opportunities due to this incorrect information on my credit report, and it is causing me a great deal of stress and anxiety.
Based on the information provided, there may be a violation of Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 5 ) of the Fair Credit Reporting Act ( FCRA ). XXXX and XXXX 's inaccurate reporting without proper verification of the information may violate these subsections. Additionally, the credit reporting agencies ' failure to provide accurate information in my credit file may also be a violation of Section 623 ( a ) ( 5 ) of the FCRA.
I request that you enforce the legal requirements on the Department of EducationXXXX to ensure the accurate reporting of my payment history. Furthermore, I urge you to investigate and remove these unverified accounts from my credit report as soon as possible.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
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| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least $ XXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted 426 character P-6 state-ments as well as all of the applicable and requisite trailing fragments, the minimally mandated five ( 5 ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced XXXX pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tal-lied total and invoices from which they were derived, the documented legal and current color pho-tographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applica-ble, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIAL-LY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ com-posed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFI-CIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefuta-ble compliant obligatory and regulatory requisite compliant reporting thereby mandating your im-mediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or return-ing to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet un-proven to be true, correct, complete, timely, documented as being mine, testimonial to be of my re-sponsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT report-ing.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testi-monial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your con-sumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only AC-CURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consum-er credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( XXXX XXXX XXXX XXXX XXXX is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ) , and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or Independent Credit Bureaus and Mortgage Reporting Companies. e-OSCAR also pro-vides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily sup-ports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code man-agement and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a report-ing relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity re-porting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late in-stallments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is other-wise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as RE-QUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN de-rogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous 2 years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawful-ly within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my of-ficial writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or AD-VERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else :
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| 01/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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According to XXXX on XX/XX/XXXX a full investigation was conducted and that all accounts on my profile was verified from each company and are correct which I have found this to be false. According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. XXXX XXXX has failed to tell the truth and provide accurate and verifiable accounts that I asked to investigate because if that's true why are the following accounts listed below still inaccurate, why do accounts not show remarks that I even disputed these same items for 6 months straight, I asked for full investigation and I have yet to receive any updates via mail or email from XXXX showing a full investigation. I have submitted fraud report from XXXX, none of these companies presented a signature of me agreeing to debt or identification showing, besides statements and computerized typed name. I know this not right I have even bureaus more than 60 days to correct this and its still not.
XXXX XXXXTransunion payment shows late over 120 days and XXXX as agreed. Transunion last reported XX/XX/XXXX, XXXX XX/XX/XXXX, Last active XX/XX/XXXX on Transunion and XXXX XX/XX/XXXX dispute remarks are not being present.
XXXX Transunion last active XXXX XXXX XXXX XXXX XXXXnaccurate without notification of my previous disputes.
XXXX account numbers dont match, balance on Transunion showing XXXX but XXXX showing XXXX last reported dates on Transunion shows XX/XX/XXXX but XXXX showing XX/XX/XXXX. Date last active XX/XX/XXXX on Transunion but XXXX XXXX XXXX. No previous dispute indicator is present at all.
XXXX XXXX loan only showing on XXXX due to Transunion XXXX XXXX XXXXXXXX XXXX XXXX XXXX accounts are completely different, amounts were incorrect but somehow adjusted after several disputes, last reported XX/XX/XXXX, on XXXX but XXXX showing XX/XX/XXXX. Last active showing XX/XX/XXXX XXXX but XXXX showing XX/XX/XXXX, this item was disputed several times but no dispute remarks at all. Payments on XXXX were red but XXXX showing payment was good.
XXXX XXXX XXXX XXXX was deleted and later placed back on my profile without notify me within 5 days which is violation : ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. ( iii ) Additional information ***XXXX-showing closed on XXXX but open on others, last active shows XXXX on XXXX and XXXX on the other two.
XXXX Transunion has only been disputed several times asking for proof of this collection and nothing has been presented. Im asking now for this account to be deleted since nothing has been presented.
XXXX but reporting under original not 3rd party not showing remarks of dispute, after several disputes was submitted. The original Creditor is not who has debt Ive been harassed by different companies other than the one on the credit report. Two different accounts showing as well if this accurate why havent the companies who are harassing been updated? A full investigation would have found this out. I have attached every account and proof an proper investigation was not conducted After many attempts of asking the bureaus to complete this for me. I'm demanding XXXX delete this immediately : along with still showing my previous address and inaccurate employer showing XXXX. They sending stall letters but received the information that was requested several times which is how they updated my current address in the first place, but still showing inaccurate address and inaccurate employer.
XXXX XXXXTransunion has not properly verified debt as stated according to XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX but sold in XXXX How is this possible but credit report showing open date XX/XX/XXXX and last report and last active showing XX/XX/XXXX. And no dispute remarks are being present.
XXXX XXXX XXXX-Under the laws of the State of ( State of Repo ) UCC 9.506 and State XXXX and XXXX statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and UCC 9 remedies. Was not provided any of this, and they have sent inaccurate information back to RESPONSE FROM XXXX!!!! USING INCORRECT NAME CFPB : Our records indicate XXXX XXXX XXXX entered into a finance agreement with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was provided with a Motor Vehicle Retail Installment Sales Contract which outlined the details of the agreement. XXXX XXXX XXXX signed the Motor Vehicle Retail Installment Sales Contract acknowledging full debt owed within the contract. The contract states that XXXX XXXX XXXX agreed that XXXX XXXX would maintain a security interest in the motor vehicle. XXXX XXXX XXXX vehicle was subsequently repossessed due to non-payment on XX/XX/XXXX. XXXX XXXX XXXX was provided with a Notice of Intent to Sell which outlined his right to redeem/reinstate the vehicle. The vehicle was disposed of and proceeds from the sale were applied to XXXX XXXX XXXX account leaving a deficiency balance. It is XXXX XXXX XXXX policy to provide all customers with a welcome letter which advises that we report to all three credit bureaus and will report payment history with our company. XXXX XXXX XXXX submitted a dispute through TransUnion which XXXX XXXX responded to on XX/XX/XXXX updating the tradeline. The account was sold to XXXX XXXX in XX/XX/XXXX. We have determined that XXXX XXXX has complied with all applicable law and XXXX XXXX XXXX account was reported accurately. For XXXX XXXX XXXX record we have included a copy of her Motor Vehicle Retail Installment Sales Contract and Purchase Agreement. How was this verified with them saying the car was repossessed XX/XX/XXXX but sold in XXXX inaccurate information. How are they addressing me has XXXX XXXX that is not my name.
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| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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US SM BUS ADMIN ODA Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX/XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Auto financing companies Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX ftc on all that's listed accounts and inquires Account Name XXXX, XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX main headerCollectionsmain header XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status Updated XX/XX/XXXX Balance {$1800.00} Balance Updated XX/XX/XXXX Original Balance {$1800.00} Monthly Payment - Past Due Amount {$1800.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments Account information disputed by consumer CONTACT INFORMATION XXXX XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NNegativeData Unavailable collections XXXX XXXX - XXXX Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original CreditoXXXX XXXX XXXX Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status Updated XX/XX/XXXX Balance {$780.00} Balance Updated XX/XX/XXXX Original Balance $ 784 Monthly Payment - Past Due Amount {$780.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NNegativeData Unavailable collections XXXX XXXX - Experian Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX Account # XXXX Original Creditor XXXX XXXX.
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status Updated XX/XX/XXXX Balance {$2700.00} Balance Updated XX/XX/XXXX Original Balance {$2700.00} Monthly Payment - Past Due Amount {$2700.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NNegativeData Unavailable collections XXXX XXXX - XXXX Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX.
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status Updated XX/XX/XXXX Balance {$700.00} Balance Updated XX/XX/XXXX Original Balance {$2700.00} Monthly Payment - Past Due Amount {$700.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N NNegativeData Unavailable collections XXXX XXXX - Experian Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX XXXX XXXX Account # XXXX Original Creditor XXXX XXXX.
Company Sold - Account Type COLLECTION Date Opened XX/XX/XXXX Account Status! - Payment Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status Updated XX/XX/XXXX Balance {$560.00} Balance Updated XX/XX/XXXX Original Balance $ 569 Monthly Payment - Past Due Amount {$560.00} Highest Balance - Terms 1 Month Responsibility Individual Your Statement - Comments - CONTACT INFORMATION XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type INSTALLMENT Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$8900.00} Balance Updated XX/XX/XXXX Original Balance {$27000.00} XXXX XXXX XXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Past due 120 days Status Updated XX/XX/XXXX Balance {$520.00} Balance Updated XX/XX/XXXX Credit Limit $ 300 Monthly Payment {$30.00} Past Due Amount {$1.00} XXXX XXXXXXXX XXXX Account # XXXX Original Creditor - Company Sold - Account Type REVOLVING Date Opened XX/XX/XXXX Account Status! Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$540.00} Balance Updated XX/XX/XXXX Credit Limit $ 500 Monthly Payment - Past Due Amount {$540.00} Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Account closed at credit grantors request OFFICE OF THE ATTY GEN Account # XXXX Original Creditor - Company Sold - Account Type OTHER Date Opened XXXX XXXX, XXXX Account Status! Open Payment Status Past due 180 days Status Updated XX/XX/XXXX Balance {$8900.00} Balance Updated XX/XX/XXXX Original Balance
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| 02/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have reached out to XXXX, XXXX and XXXX, Trans Union and XXXX about the improper use of my credit report. They have continued to report fraudulent and felonious information. They use my information regardless of federal law 15 US code 1692E 15 US code 1692c I have spoken with representatives in the fraud department there at XXXX. They continue to remove and then place items back on my consumer report. This is an omission of guilt. I have not only sent over to XXXX, XXXX, Trans Union, and XXXX as well as XXXX copies of my identification copies of the CFPB complaint, FTC complaint, XXXX complaint state Attorney Generals complaint in California consumer protection and innovation complaint with a sworn affidavit of truth, I asked again of the CFPB TO truly look into the many violations of the FCRA 15 USC 1681b permissible purpose 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( XXXX ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX these are the many addresses that are fraudulently on my consumer reports.XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX as you can see here again, they blatantly violate the ( FCRA15 U.S. Code 1681s2 - ) Responsibilities of furnishers of information to consumer reporting agencies U.S. Code Notes prev | next ( a ) Duty of furnishers of information to provide accurate information ( XXXX ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( XXXX ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( XXXX ) the information is, in fact, inaccurate.InquiryName XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Fraudulent Name ) XXXX , XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Fraudulent address ) Date XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, DI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX this is a notice to ( XXXX ) ( XXXX, ) ( Trans Union, ) ( XXXX, ) ( XXXX ) ( CEASE AND DESIST ) Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe.
My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner.
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Consumer Financial Protection Bureau and the CALIFORNIA Attorney General 's office and civil claims may be pursued.ALSO 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer ; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NoTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a- ( XXXX ) that the information may be a result of identity theft ; ( XXXX ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( XXXX ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( XXXX ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have knownXXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Closed. {$140.00} written off.
( XXXX XXXX ) Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Original balance {$7000.00}.
Account name ( XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX Account name ( XXXX XXXX ) Account number XXXX Date opened XX/XX/XXXX
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| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDER-AL REPORTING COMPLIANCE, such as Metro 2 and theFCRA standards of reporting are certainly unlawful, unethical and undoubtedly in clear infringement of my consumer and/or civil rights, making you liable upon my taking this matter to a civil court in my area for proper and ethi-cal resolutions and awards of at least XXXX XXXXXXXX per still unproven, untrue, inaccurate, untimely, in-complete, or else wise not compliant item reported that is hereby now being challenged in writ com-position. Legally a consumer complaint notice in demand for a check for compliance and further irrefutable evidence to such claim ; THIS IS MY OFFICIAL WRITTEN COMPLAINT!
Per Federal and my states reporting laws, you MUST AFFIRM and CONFIRM any and ALL allegations of claims yet still unproven. Lawfully certificate physically the creditor classification codes, the exact and complete sequenced and METRO 2 data formatted XXXX character XXXX state-ments as well as all of the applicable and requisite trailing fragments, the minimally mandated XXXX ( XXXX ) portioned personal identifiers, every and one of the alpha -/ numeric-/and or the alphanumeric source codes that detail the left sidedness and or right sidedness of any and all precisely ordered recorded account descriptions, all aspects exactly and fully related to the sequenced XXXX pieces of confirmation to collect ( -tions ), each calendar date recorded, every alleged balance including the tal-lied total and invoices from which they were derived, the documented legal and current color pho-tographed identities, the attested addresses, the non transported and true marks of execution from one and only and exactly identified me upon an acknowledge of debt alleged or even conditions related, as well as every single one even each and any or all requisite state and federal laws applica-ble, whether known or not, regardless if mentioned or not. YOU ARE NOT AUTHORIZED TO RETAIN AND OR EVEN REPORT SUBTERFUGE PARTICULARLY IF IT IS POTENTIAL-LY ENABLING OF FRAUD AND OR IDENTITY THEFT SUCH AS THIS INJURIOUS MISREPORTING OF MISINFORMATION MIGHT VERY WELL APPEAR TO BE. DELETE NOW TO ANNUL THIS UNJUST ACCUSATION AND TO RETURN TO COMPLETE COMPLIANCE TO FEDERAL REPORTING LAWS AS IS OBLIGATED OF YOU I DEMAND, lawfully mind you, that you very ATTENTIVELY REVIEW my formal writ com-posed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFI-CIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefuta-ble compliant obligatory and regulatory requisite compliant reporting thereby mandating your im-mediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or return-ing to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet un-proven to be true, correct, complete, timely, documented as being mine, testimonial to be of my re-sponsibility, with FCRA compliance, and or CRSA CDIA Metro 2 COMPLIANT report-ing.FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testi-monial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. I as of late received a duplicate of my credit report from your con-sumer credit reporting agency -- WHICH BY THE WAY is self proclaimed as being not only AC-CURATE and COMPLETE but also METRO 2 COMPLIANT in the verification of your consum-er credit reporting as DETAILED in the DESCRIPTION of e-OSCAR ( your web based automated verification process ). YOUR EXACT e-OSCAR definition ( per http : XXXX ) is that e-OSCAR is a web-based, Metro 2 compliant, automated system that enables Data Furnishers ( DFs ), and Credit Reporting Agencies ( CRAs ) to create and respond to consumer credit history disputes. CRAs include XXXX, XXXX, XXXX and TransUnion, their affiliates or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. e-OSCAR also pro-vides for DFs to send " out-of- cycle '' credit history updates to CRAs. The system primarily sup-ports Automated Credit Dispute Verification ( ACDV ) and Automated Universal Dataform ( AUD ) processing as well as a number of related processes that handle registration, subscriber code man-agement and reporting.
ACDVs initiated by a CRA on behalf of a consumer are routed to the appropriate Data Furnisher based on the CRA and subscriber code affiliations indicated by the DF. The ACDV is returned to the initiating CRA with updated information ( if any ) relating to the consumer 's credit history. If an account is modified or deleted, carbon copies are sent to each CRA with whom the DF has a report-ing relationship. AUDs are initiated by the DF to process out-of-cycle credit history updates. The system is used to create the AUD and route it to the appropriate CRA ( s ) based on subscriber codes specified by the DF in the AUD record. The e-OSCAR AUD process is intended to provide the CRA with a correction to a consumer 's file that must be handled outside of the regular activity re-porting cycle process. e- OSCAR may not be used to add or create a record on a consumer 's file or as substitute for " in-cycle '' reporting to the CRAs. Within the report I saw that there were late in-stallments noted in the record history.Since I am somehow very defective in the matter as to the How, WHEN, and WHY these late segments are notations within my credit report which is other-wise remarkable in creditworthiness! Puzzled, I am enacting my rights to COMPEL you, as RE-QUIRED, to MANDATE the alleged data providers of these following notated UNPROVEN de-rogatory suggestions of late payments to surrender to you and you to me an evaluated proclamation of my record throughout the previous XXXX years demonstrating when the due date of the record was and when the installment was handled. Furthermore, please require the accusing data provider to present their most upgraded Terms of Service Agreement that that outlines payment reconciliation. As I am POSITIVE you are aware, as a injured consumer, UNJUSTLY MIND YOU, I am lawful-ly within my consumer and civil rights to ask for any and all of the above and below DEMANDS under the terms of the Fair Credit Billing Act of 1975 ( FCBA ) As the OFFICIAL notice of my of-ficial writ composed DECLARATION of Not Proven Compliant Misinformation that is either or all of the following, YOU MUST ANNUL by REMOVAL of any DEROGATORY and or AD-VERSE and yet UNPROVEN claims be it an account or an aspect of that account.PLEASE as you MUST, delete the foul misreportings and display any and all of my accounts as being PAID/PAYS as AGREED, NEVER LATE and as nothing else :
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| 03/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. It is my sworn statement that, I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below is item currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. Other Credit Bureaus have been cooperative and have removed the account, but Transunion has refused to remove the fraudulent account. Therefore, I have come to you to resolve these issues. The law says that you must block this account while being investigated, and I expect that you will do so. Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XX/XX/2017 XXXX U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove this account immediately.
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| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXXXXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/2022 Penalties - 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S. Code 1681d - Disclosure of investigative consumer reports ( a ) Disclosure of fact of preparation A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested, and ( B ) includes a statement informing the consumer of his right to request the additional disclosures provided for under subsection ( b ) of this section and the written summary of the rights of the consumer prepared pursuant to section 1681g ( c ) of this title ; and ( 2 ) the person certifies or has certified to the consumer reporting agency that ( A ) the person has made the disclosures to the consumer required by paragraph ( 1 ) ; and ( B ) the person will comply with subsection ( b ).
( b ) Disclosure on request of nature and scope of investigation Any person who procures or causes to be prepared an investigative consumer report on any consumer shall, upon written request made by the consumer within a reasonable period of time after the receipt by him of the disclosure required by subsection ( a ) ( 1 ), make a complete and accurate disclosure of the nature and scope of the investigation requested. This disclosure shall be made in a writing mailed, or otherwise delivered, to the consumer not later than five days after the date on which the request for such disclosure was received from the consumer or such report was first requested, whichever is the later.
( c ) Limitation on liability upon showing of reasonable procedures for compliance with provisions No person may be held liable for any violation of subsection ( a ) or ( b ) of this section if he shows by a preponderance of the evidence that at the time of the violation he maintained reasonable procedures to assure compliance with subsection ( a ) or ( b ).
( d ) Prohibitions ( 1 ) Certification A consumer reporting agency shall not prepare or furnish an investigative consumer report unless the agency has received a certification under subsection ( a ) ( 2 ) from the person who requested the report.
( 2 ) Inquiries A consumer reporting agency shall not make an inquiry for the purpose of preparing an investigative consumer report on a consumer for employment purposes if the making of the inquiry by an employer or prospective employer of the consumer would violate any applicable Federal or State equal employment opportunity law or regulation.
( 3 ) Certain public record information Except as otherwise provided in section 1681k of this title, a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished.
( 4 ) Certain adverse information A consumer reporting agency shall not prepare or furnish an investigative consumer report on a consumer that contains information that is adverse to the interest of the consumer and that is obtained through a personal interview with a neighbor, friend, or associate of the consumer or with another person with whom the consumer is acquainted or who has knowledge of such item of information, unless ( A ) the agency has followed reasonable procedures to obtain confirmation of the information, from an additional source that has independent and direct knowledge of the information ; or ( B ) the person interviewed is the best possible source of the information.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates. = remove the hard inquiries of those who dont have permissible purpose if were not doing business or without my written consent 15 U.S. Code 1681n - Civil liability for willful noncompliance ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. = damages on business loans because of the information you provided on my credit report 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 U.S. Code 1692- Congressional findings and declaration of purpose ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
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| 07/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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Dear to whom it may concern, My name is XXXX XXXX . I have been trying to report inaccurate account in my credit report for a year and The credit bureau always avoid their responsible to review my report by any excuses and tactic they can make. I want a real person who really have authority and responsible to review these incorrect account in the time frame of 30 days according to Fair Credit Reporting Act.
**Addresses reported** XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are either incorrect or no longer belong to me. I have attached proofs of my current and accurate address. Please delete them as they have a high risk of causing negative impact to my credit report.
**EMPLOYMENT INFO** XXXX XXXX XXXX This information is incorrect. This employment have no relationship to our business. So please remove them off my credit report.
XXXX*Credit Card** XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be $ XXXX monthly payment on a closed account. Delete it immediately.
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX How can there be $ XXXX monthly payment on a closed and charge-off account. This account have to be deleted off my credit report. It is obviously a inaccurate and there is no need to reinvestigate.
**Hard Inquiries** _XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING THEIR CONTACT INFORMATION _XXXX XXXX Inquiry : XXXX XXXX, XXXX Unverified _XXXX XXXX Inquiry : XXXX XXXX, XXXX UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX Inquiry : XXXX XXXX, XXXX Unverified account. Delete immediately XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY UNAUTHORIZED INQUIRY AND DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX This account is not mine. Please delete it _XXXX XXXX OF Inquiry : XXXX XXXX, XXXX Personal Loans Cos.
This account is unauthorized inquiry and DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing Contact the inquirer : MAIL ONLY DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX Inquiry : XXXX XXXX, XXXX Auto Financing ( XXXX ) XXXX DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information.
XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX Institution Information DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information _XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Automobile Dealers, New ( XXXX ) XXXX DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information XXXX Inquiry : XXXX XXXX, XXXX Miscellaneous Reptg. Agencies DATA FURNISHER HAS VIOLATED METRO2 REPORTING COMPLIANCE BY NOT REPORTING their contact information **Collection** _XXXX XXXX Reported : XXXX. XXXX, XXXX This collection is not mine, I never have any financial obligation with this company. Please delete it!!
_XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. The collection agency has no account number or contact information associated with the account on my credit report and demand this is removed.
_XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$210.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$530.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1500.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$740.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$530.00} Needs Attention This collection account does not belong to me and the creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed _XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$1500.00} Needs Attention Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. I demand removal of this account immediately.
XXXX XXXX XXXX Reported : XXXX. XXXX, XXXX {$740.00} Needs Attention Where is the original contract, application or other proofs which shows my consent and signature? Who is the person you receipt this information from. What was your method of verification? Using electronic response is not an acceptable proof and must be verified itself. This collection does not belong to me and the creditor or collection agency does not have any sign contact with me or my information. I demand removal of this account immediately.
As you may aware of the FCRA [ 15 U.S.C. 1681d ] ( a ) Disclosure of investigative consumer reports I must receive a disclosure that this letter was is received and it must be made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I have never receipted any writing mailed or even a notice about these collection. They are intentionally placed in my account for making me pay for the money that I never owned.
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| 06/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am making this complaint in regard to information being reported in my credit file that is causing me great financial despair. Transunion is a private for-profit corporation who is acting under the disguise of a government agency, misleading consumers to believe they have a right to infringe on my privacy. Transunion have obtained my nonpublic personal information without my consent which is considered identity theft, to make a report about personal finances and sell it to other corporations make a profit and I receive no benefits.
Transunion have caused me to be denied access to my credit for my personal family and household benefit by reporting inaccurate and unverified information. Transunion have not produced any certification or surety bond from a registered agent of the corporation certifying that a valid and legal debt exists. Therefore, anyone who has a subscription can make any report on any consumer whether it is true or not. FURTHERMORE, I DO NOT HAVE A CONTRACTUAL AGREEMENT WITH TRANSUNION TO SELL MY INTELLECTUAL PROPERTY ( NONPUBLIC INFORMATION TO MAKE A PROFIT FOR THEIR FINANCIAL BENEFIT ONLY ). I HAVE NOT NOR HAVE I EVER RECEIVED COMPENSATION FROM ANY PROCEEDS OF SALE OF MY NONPUBLIC INFORMATION. THIS CONSTITUTES AGRREVATED IDENTITY THEFT AND FRAUD.
The financial harm I have suffered due to the Negligence of Transunion have caused me to be denied the use of my credit. Every time I apply for credit the creditor adverse notice refers me back to Transunion to correct any errors made. I am unable to obtain affordable insurance coverage for my vehicle due to Transunion making a report on me without my consent. My insurance company informed me that my premium is high due to my credit report. So, the financial impact goes far beyond me only obtaining credit. I want to move to a new career, but the position entails a credit check, due to adverse credit reporting of my nonpublic personal information by Transunion. I would also be denied future employment Transunion have failed to directly follow the federal compliance laws in accordance with FCRA and handling consumers personal private information. They have assumed a role and as a result have cost me XXXX XXXX XXXX XXXXXXXX, fear of losing an opportunity that has presented itself for me to better my life. I literally live in fear due to the distress of credit reporting by Transunion, if I need to obtain any credit to better my life, I am unable to obtain any benefit or opportunity because of Transunion making this report on my personal finances.
Transunion have not complied and have violated the following federal laws that was put in place to regulate and ensure fairness and accuracy of credit reporting.
My RIGHT TO PRIVACY is not a privilege it is a RIGHT GRANTED as a living human soul and federal law.
Transunion does not have any affiliated or common ownership with any financial institutions ; therefore, buying and or selling my nonpublic information is fraud and noncompliance. I am a victim because I have been directly and prominently harmed as a result of Transunion commission of offense, involvement in scheme to defraud me, conspiracy and pattern of criminal activities. with Nonaffiliated third parties 15 usc 6809 ( 5 ) The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.
[ 15 U.S.C. 1681b ] Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTIONS of the consumer to whom it relates.
[ 15 usc 1681 a ( 4 ) ] ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
[ 15 usc 1681 a ( 2 ) ] ( a ) Accuracy and fairness of credit reporting [ 15 U.S.C. 1681n ] Civil liability for willful noncompliance ( a Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of [ 15 U.S.C. 1681o ] Civil liability for negligent noncompliance ( a ) Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of [ 15 U.S.C. 1681s ] Administrative enforcement ( a ) ( 1 ) In general The Federal Trade Commission shall be authorized to enforce compliance with the requirements imposed by this subchapter under the Federal Trade Commission Act ( 15 U.S.C. 41 et seq. ) ( 2 ) Penalties ( A ) Knowing violations Except as otherwise provided by subtitle B of the Consumer Financial Protection Act of 2010, in the event of a knowing violation, which constitutes a pattern or practice of violations of this subchapter, the Federal Trade Commission may commence a civil action to recover a civil penalty in a district court of the United States against any person that violates this subchapter. In such action, such person shall be liable for a civil penalty of not more than {$2500.00} per violation.
[ 15 usc 1692 e False or misleading representations ( 7 ) The false representation or implication that the consumer committed any crime or other conduct in order to disgrace the consumer.
Transunion is guilty of interference with commerce 15 usc 1 and 2 Deprivation of rights 18 usc 241 Conspiracy against rights and 242 Deprivation of rights under color of law Coercion 15 usc 1692 d - Harassment or abuse ( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
And extortion 18 usc 1961 ( 1 ) racketeering activity means ( A ) any act or threat I have sent Transunion a notice to stop making a report on my personal finances and they have failed to comply. The FCRA and the Graham Leachy Bliley Act clearly states that a consumer has a right to privacy. The private corporations are infringing upon my rights and freedom of liberty my personal life, my private finances are not for the profit of a non-government agency of which I receive no benefit. Transunion have committed aggravated identity theft by purchasing my private information from other corporations and then selling my nonpublic information to other corporations. I was not given any opportunity or notice to opt out of credit reporting. Transunion is actively engaged in extortion and coercion in advertising of nonpayment of debt for sale to influence payment, they are also engaged in making a report to disgrace and embarrass me the consumer which is a clear violation and noncompliance of FDCPA and FCRA. Transunion have caused me severe distress injuries and damages by reporting false and inaccurate nonpublic information in order to make a profit from using stolen identifying personal nonpublic information.
I HAVE ALREADY HAD MY ADDRESS AND IDENTITY VERIFIED BY THE NOTARY, TRANSUNION WILL USE IDENTITY VERIFICATION AS A STALL TACTIC TO AVOID FIXING AND REMOVING THE ADVERSE ACCOUNTS. TRANSUNION WILL SELL OR BUY MY INFORMATION WITHOUT PROPERLY VERYFYING BUT NOT CORRECT THEIR WRONG DOINGS.
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| 11/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Older American |
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WHAT HAPPENED With the holidays coming up, the employees of XXXX XXXX including myself and our families will have no income be out of work and therefore not be able to enjoy the XXXX, XXXX and XXXX XXXX while every employee of XXXX XXXX will be looking forward to wonderful holidays and time off. This did not have to happen because we had no control over the events that got our business off track. So I am asking XXXX XXXX to expedite a solution and not continue to take their sweet time we have lives of people at stake while XXXX XXXX is looking forward to no stress holidays with their families. There is no way in XXXX this is fair when XXXX XXXX is behind this failure to act in good faith.
This complaint stems from additional collateral damage to my personal credit and business credit including delinquent auto payments owed to XXXX XXXX XXXX XXXX, delinquent payments on my home mortgage with XXXX XXXX XXXX, delinquent payments on my business loans, delinquent payment on taxes ( State/Federal withholding taxes and XXXX County Tax Commissioner for property/inventory taxes ) and delinquent payments to vendors. These delinquencies are tied to my cash flow being sucked up by 4 events...
1 ) APPROVAL OF/ACKNOWLEDGING PREDATORY LOANS - Starting in XXXX XXXX XXXX steered me to predatory lenders and then approved of them by reviewing my financials in order to approve payment deferrals on my SBA loan. Ironically, I needed the payment deferments because I was steered to predatory lenders. XXXX XXXX ended up approving 6 payment deferments but the last 5 would have not been necessary if I had affordable working capital.
2 ) INVESTIGATION - The 2nd event that caused me to be delinquent relates to the investigation opened by XXXX XXXX after I filed my complaint with the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX. This investigation is still going on since XXXX which means we are going on 10 months for a report that should have taken 30 60 days. The problem is that by XXXX XXXX taking their time and artificially extending. For XXXX XXXX to not have the foresight to expect collateral damages from a 9+month one-sided biased secret investigation while simultaneously sitting on revenue producing collateral turning it into a non-performing asset, speaks volumes about poor risk mitigation and XXXX XXXX failure to act in good faith. We are a small business and how can any business customer withstand no communication from their banker when the business is ready to spoon feed the bank ( XXXX XXXX ) with offers to provide working capital? I am sure XXXX XXXX would not do this to their customers that they covet and I expect the same treatment because had I know the SBA loan would lead to XXXX XXXX taking the profit and not be willing to help me and my small business, I would have passed on the SBA loan, 3 ) TAXES - The 3rd event that caused me to be delinquent relates to taxes due to taxing authorities. XXXX XXXX XX/XX/XXXX Resolution Report which supposedly XXXX XXXX assumed was a complete report but the repot was not thoughtful and thorough as noted n the report prepared by XXXX ; these inconsistencies are noted in a previous complaint so no need to repeat them here. In addition to this, I will end up being delinquent on my IRS installment agreement in the next 2 3 months 4 ) SITTING ON COLLATERAL - The 4th event causing me to be delinquent relates to XXXX XXXX sitting on my revenue producing collateral ; here is the problem with this logic from the # 4 bank and # 1 SBA preferred lender in the country... by sitting on revenue-producing collateral which turns it into non-performing collateral, XXXX XXXX still refuses to provide working capital and ironically ignored the lenders/investors I sent to them and/or dont want to let any other 3rd party lender/investor have access to all of the collateral so that they can provide working capital. Now XXXX XXXX will say I dont have cash flow to cover the debt service on any working capital XXXX XXXX might be able to provide but they conveniently overlook the fact that they are the cause of me not having working capital The above 4 events have caused the following significant additional collateral damage : 1 ) No longer interested XXXX XXXX in the XXXX XXXX SBA Dept. asked me to go back and revisit lenders that were ignored during the 9+ month biased one-sided secret investigation wasting my time because I had to revisit the same lenders who were ready to provide working capital. So I did that and the 2 best options, XXXX XXXX and the XXXX XXXX XXXX XXXX, got back to me week ending XX/XX/XXXX letting me know that the private money fund targeting small businesses located in rural areas no longer has the funding they ran out of funds and will have to wait for 12 24 months to get additional funding. THIS WAS TOTALLY UNNECESSARY AND COULD HAVE BEEN AVOIDED 2 ) Customer orders during the 9+ month investigation, I asked for guidance on committing to customer orders because I had the funding lined up and no one at XXXX XXXX replied. So now we are in danger of losing these customers which further damages our reputation.
3 ) Business loans outstanding : there are 3 loans outstanding and 2 of the 3 are delinquent and the 3rd will be delinquent over the next couple of weeks : 1 ) predatory lender XXXX is suing me, 2 ) XXXX XXXX term loan I defaulted on this one on XX/XX/XXXX and 3 ) XXXX line of credit looks like I will default on this one in a couple of weeks.
4 ) Personal Credit Cards since my ability to earn a living was taken away, I could not make even the minimum payments so both of my personal credit card accounts were closed by XXXX. This is devastating because I need at least one credit card for personal and business use.
5 ) Ruined my family 6 ) Ruined my reputation 7 ) Supply Chain Vendors took me off of 30-day terms and put me on cash terms The above events, especially the 10 + month investigation report done in secret and was biased, have caused significantly more collateral damage. During this unconscionable 10+ month report, I compiled huge orders packaged with lenders and investors ready to provide capital to my business and the only thing needed was a good-faith discussion with XXXX XXXX to subordinate their collateral position and I did not get one single response to any of my initiatives to let XXXX XXXX know I have a solution to the problem I had nothing to do with. No one called me until my sewers got on the phone and complained to XXXX XXXX by phone.
SUMMARY The above events clearly locked me out of generating revenue and earning a living. This could have been avoided and now things are much worse. When you sit on revenue-producing collateral and turn it into a non-performing asset while losing sight of the obvious consequences ( discussed above ) because you are so busy worrying about protecting your profit and exposure at the expense of the SBA taxpayer-funded SBA program and at the expense of small businesses, XXXX XXXX has failed to act in good faith, then I should not be responsible for this loan going wrong. You dont treat any of your other customers this way and we should be no different especially if XXXX XXXX is part of the SBA program ; 9 + months of silence knowing I initiated contact with solutions to get my business back on track is unacceptable.
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| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear CFPB & ALL MENTIONED PARTIES : XXXX, XXXX, TRANSUNION. I, XXXX XXXX XXXX 100 % ATTEST THAT I AM WRITNG & WROTE ALL FINDINGS IN THIS REPORT SOLELY BY ME AND ONLY ME. TO ALL MENTIONED PARTIES : XXXX, XXXX, TRANSUNION & HAVE PROVIDED PROPER DOCUMENTATION VERIFYING MY IDENTITY INCLUDING MY SSN, CALIFORNIA DRIVERS LICENSE, AND CREDIT CARD STATEMENT.
THIS IS A Metro 2 Letter of Compliance - Account Inaccuracies and Violations of Reporting Laws/ Failure To Respond ( 30 days ) Dear Sir/Madam, I am writing to provide additional information regarding my previous complaint filed with the Consumer Financial Protection Bureau XXXX CFPB ) regarding the inaccurate accounts listed on my credit report. Upon further review and consideration of the Fair Credit Reporting Act ( FCRA ), I have discovered that the accounts in question have also failed to respond within the 30-day timeframe as mandated by the FCRA.
This letter functions as my lawful and rightful consumer notice of recent and currently discovered items ) with potential misinformation not certifiably compliant in reporting and or else wise appears deficient in its reporting status ' as reported when reported.
Addtionally, this compte rendu represents my consumer rightful demand for adequate investigation reinvestigation into every aspect of any delinquency and or derogatory data accused of me to adequacy of lawful reporting! I understand that the reporting industry has deliberately made a mandatorily utilized STANDARD for better ensuring certifiably compliant reporting practices, processes, and procedures are adhered to so that a maximum possible accuracy and completion is believable minus any deviations or diversions from the established and expected reporting of consumer data and acceptance of reported data by a receiving repository!
I am writing you with this formal protestation versus claims ) made and a demand for swift action on your part. You are non- compliantly reporting wrongly to the main three credit reporting repositories and damaging my credit. You are with infractions ) of the FCRA aka the fair Credit Reporting Act. The surety of infringement should be subject to fines and damages. I am providing you but this one last fortuity for adequate modification of this alleged credit circumstance. Previously, I had sent you a letter advising you that you were inappropriately reporting. Additionally in that request I in fact did assert your necessary requisite ( s ) to modify appropriately my file. Due toy our now obvious continued misreporting ( s ) albeit any all or each unfair and or surely unethically non-compliantly reported in that it resembles that my forwarded note was unexpectedly disregarded.
As per Section 611 ( a ) ( 1 ) ( A ) of the FCRA, upon receiving a dispute from a consumer, the furnisher of the information is required to conduct a reasonable investigation and provide a response within 30 days. However, the creditors associated with the following accounts have failed to respond within the allotted timeframe : Erase now or transmogrify as indicated so to not report any derogatory allegation ( s ) versus me each any and all negative aspects of the illicit claims following : XXXX. XXXX XXXX XXXX # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( XXXX ) ( A ).
XXXX. XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( XXXX ) ( A ).
XXXX. XXXX XXXX XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. XXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. Dept of EdXXXX XXXX : # XXXX - Deletion Code : A08 - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
XXXX. Dept of EdXXXX XXXX : # XXXX - Deletion Code : XXXX - Failure to respond within the 30-day timeframe as required by FCRA Section 611 ( a ) ( 1 ) ( A ).
In accordance with the FCRA and the Metro 2 Reporting Format, I hereby request that the above-mentioned accounts be deleted from my credit report immediately. The violations and inaccuracies associated with these accounts have been outlined in my previous correspondence and are summarized as follows : 1. Violation of FCRA Section 604 - Consent : These accounts were reported without obtaining my consent, as required by the FCRA.
2. Violation of FCRA Section 611 - Investigation of Disputes : The creditors failed to conduct a reasonable investigation and provide a response within the 30-day timeframe upon receiving my dispute, as mandated by the FCRA.
3. Violation of FCRA Section 623 - Duties of Furnishers of Information : The creditors have provided inaccurate, incomplete, and unverifiable information, which must be corrected or deleted under the FCRA.
I kindly request that the e-OSCAR system reads the provided codes accurately and initiates the necessary actions to remove these accounts from my credit report in accordance with the FCRA, or an intent to sue will be filed. I request that a handwritten carbon copied response to be sent out VIA USPS MAIL to my address, I also demand under the FCRA that each individual credit Bureau also send carbon copied responses to each other when communicating as required by law in handling the inaccuracies on my report fairly.
Thank you for your attention to this matter, and I appreciate your cooperation in rectifying these inaccuracies. I look forward to receiving written confirmation of the deletion of these accounts from my credit report.
Sincerely, XXXX XXXX
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| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX collections Agency ( in reference to partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the 3 major nationwide credit reporting agencies and the consumer financial protection bureau to follow up on my requests for information from XXXX XXXX The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of any debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the alleged debt being collected by XXXX XXXX
Detailed Request for validation of the debt : I am requesting a validation of the alleged debt being collected by XXXX XXXX, along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of any debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX has assumed both the role of creditor and collector, by buying debt from the original creditor as indicated on my credit report. I am requesting detailed proof that the debt is valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector has the legal right to collect on the debt, including the signed terms between the original creditor and collector sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
In stressing the importance of these details, pursuant to the FDCPA, Section 809 ( a ) which states that a debt collector ( XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication, I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX fails to validate the debt within 30 days as required by law, I dispute the reporting of this debt, and request XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX can validate the debt with the above request, I will accept the reporting as accurate.
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX regarding the original contract of the alleged debt they are trying to collect. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX fails to verify the alleged debt within 30 days required by law, I dispute the reporting of this debt and request XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXX to note the written nature of these requests for validation and verification of information on the alleged debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX to provide me with the information that is used to calculate my credit score upon a request.
Lastly, I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor the practices of XXXX XXXX, and hold XXXX XXXX accountable for their actions. Additionally, the Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I am reaching out to the credit reporting agencies within this complaint as well, so that this time, my request is respected. I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting the requested information is expected to provide. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to this matter and look forward to your response.
Sincerely, XXXX XXXX
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| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
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My Name is XXXX XXXX XXXX a living soul in the eyes of GOD my purpose of this complaint is to address the willingly neglect of the credit bureaus to my demands and request to remove all negative items including names, addresses and accounts that is not accurate or violates my rights as a consumer. Transunion, XXXX, XXXX all ignored my demands please help me to get the attention of the bureaus and this problem handled immediately because it is affecting my creditworthiness and fairness to be extended credit listed below are all the negative items I've requested to be removed and attached is all letters sent and ignored by the credit bureaus.
I am concerned about the inaccuracies and compliance deficiencies in the credit report I received. The FCRA section 611 ( 15 U SC 1681I ) and Metro 2 compliance standards require that credit reports be accurate, and I challenge all inaccuracies or deficiencies of reporting. I would like you to investigate this issue and provide me all available details on how it came about. With the potential for data integrity issues if these standards aren't followed, it is a serious matter that needs to be addressed. I Below is a summary of the data in which I am challenging : NAME : XXXX I would appreciate it if you could take care of any names that may be listed incorrectly in your database. My actual name is XXXX XXXX XXXX if you have anything in your system that is different from what I have just mentioned then delete them immediately.
CURRENT ADDRESS : Your company 's records must be up-to date. If you have any address listed in your system that does not match my address as its listed in this letter to you, please delete them immediately so you can make sure your database has accurate information about Me! My only address is XXXX XXXX XXXX, XXXX XXXX, GA XXXX Appreciatively, You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards ; according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
I understand that under the U.S. Code 15 USC 1681 ES Seg Section 604, only users with a permitted purpose can view my credit report, and I definitely did not give consent for the unauthorized inquiries to take place.
Inquiries XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXTransunion XXXX XXXX XX/XX/XXXX XXXX/Transunion XXXX XXXX XX/XX/XXXX XXXX/Transunion XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXX XXXX/Transunion XXXX XXXX XXXX XX/XX/XXXX XXXX/Transunion XXXX XXXX XX/XX/XXXX XXXX/Transunion XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XX/XX/XXXX XXXX/Transunion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/Transunion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/Transunion XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXTransunion XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XX/XX/XXXX XXXXTransunion XXXX XX/XX/XXXX XXXX/Transunion XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XX/XX/XXXX XXXXTransunion XXXX XX/XX/XXXX XXXXTransunion XXXX XX/XX/XXXX XXXXTransunion XXXX XX/XX/XXXX XXXXTransunion XXXX XX/XX/XXXX XXXX/Transunion XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX/Transunion XXXX XXXXXX/XX/XXXX XXXX/Transunion XXXX XX/XX/XXXX XXXXTransunion XXXX XX/XX/XXXX XXXXTransunion XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX - ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - XXXX XXXX XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts In Violations : Summary of Accounts being challenged in list form PROF DEBT ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX According to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681e, it is required that you maintain reasonable procedures to ensure the accuracy of credit reports.
All Items Listed Above Violates My Rights As An American & goes against constitutional rights Please send your written response to my address
|
| 04/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx.77095 XXXX I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM HIGHLY XXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, utility bill, driver 's license, and insurance card.
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS COMPLETE XXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES ALONG WITH LATE PAYMENTS THAT NEED TO BE TAKEN OFF ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY! 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!! 15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!! DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX. XXXX XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS AND LATE PAYMENTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP, AND FRADULENT REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP 15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!
XXXX XXXX. TransUnion XXXX Account # : XXXX XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX XXXX. Derogatory Derogatory XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Account # : XXXX Account Type : Collection Account Status : Derogatory XXXX XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory XXXX XXXX XXXX TransUnion Account # : XXXX Account Type : Installment Account Status : Derogatory XXXX XXXX XXXX TransUnion XXXX. XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type Credit Card Credit Card Credit Card Account Status : Derogatory Derogatory Derogatory XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX Account Type : Installment Installment Installment Account Status : Derogatory Derogatory Derogatory ( Original Creditor : ) XXXX Account # : XXXX Account Type : Collection Account Status : Derogatory ( Original Creditor : ) XXXX Account # : XXXX Account Type XXXX Collection Account Status : Derogatory ( Original Creditor : ) XXXX Account # : XXXX Account Type : XXXX Account Status : Derogatory XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Status XXXX Derogatory Derogatory Derogatory XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type. : Collection Collection Collection Account Status : Derogatory Derogatory Derogatory XXXX XXXX XXXX XXXX Account # : XXXX Account Status : Derogatory XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Status : Derogatory Derogatory XXXX TransUnion XXXX XXXX Account # XXXX XXXX Account Status : Closed Closed Open Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TransUnion. XXXX XXXX Account # : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX. XXXX Date of Last XXXX XX/XX/XXXX. XX/XX/XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX. XX/XX/XXXX XX/XX/XXXX XXXX XXXX TransUnion XXXX. XXXX Account # : XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account # XXXX XXXX XXXX XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX INACURTE INQUIRIES THAT NEED TO BE REMOVED Creditor Name Type of Business Date of inquiry Credit Bureau XXXX - XX/XX/XXXX XXXX XXXX XXXX MXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Processing XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX SXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXX XXXX New XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Used XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX Issued by Finance Companies XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 15 U.S.C 1681 section 602 States I Have the Right to Privacy ! !!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish An Account Without My Written Instructions!!
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
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| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am the consumer, natural person, made with flesh and blood. 15 USC 1681 section 602 A - CLEARLY STATES I HAVE A RIGHT TO PRIVACY! Furthermore!! 15 USC 1666b - a creditor may not treat a payment ima credit account open under an open end consumer credit plan as late for any purpose - HENCEFORTH! EVERY SINGLE LATE PAYMENT ON MY CONSUMER CREDIT FILE MUST BE DELETED OR CHANGED TO PAID, Pays as Agreed Also you had no written authorization from I, the consumer natural person made with flesh and blood, to furnish account information on my behalf. - 15 USC 1681 section 604 A - clearly states that a consumer Reporting agency can not furnish an account without my written instructions '' Again THEY HAVE NEVER RECEIVED A HANDWRITTEN CORRESPONDENCE FROM ME STATING DIRECTIVES TO FURNISH ACCOUNT INFORMATION ON MY BEHALF! I am reclaiming the vital role over my consumer credit file. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code $ 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHES OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Definitions : Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something. 15 U.S. Code $ 1681s-2 states that you are a furnisher of information to a consumer reporting agency. You are prohibited by law to furnish inaccurate information. I demand you cease and desist the reporting of this incorrect and inaccurate information immediately pursuant to 15 U.S.C $ 1681s- 2 ( a ) ( 1 ) ( A ), which states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. '' YOU ARE HEREBY PUT ON NOTICE THAT YOU ARE REPORTING INCORRECT AND INACCURATE INFORMATION. 15 U.S.C 1681s-2 ( a ) ( 1 ) ( B ). Responsibilities of furnishers of information to consumer reporting agencies ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this information is in clear violation of the law pursuant to 15 USC 1681s-2 of your responsibilities as a furnisher of information. Furthermore, pursuant to Pacific Concrete Federal Credit U. v. Kauanoe, 614 P.2d 936 ( Haw. 1980 ) providing a contract ( electronically signed by someone with a different name ) is not debt validation. You have caused me and my family severe harm due to your negligence and inaccurate reporting period. This is a final opportunity to CURE and DELETE this erroneous, inaccurate, account from my consumer report. You have 10 calendar days to CEASE AND DESIST AND DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS. Failure to do so will result in me pursuing legal remedies under 15 USC 1692k, {$1000.00} per each violation you have incurred. Pursuant to 15 USC 1681a ( 2 ) - definitions and rules of construction. States the following ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include -- ( A ) subject to section 1681s-3 of this title, any -- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( There are numerous account listed with account activity balances and even payment history as if the fraud that is being perpetuated is legitmate. ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ; ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title ; or Pursuant to 15 USC 1691a ( b - f ) - States the following : ( b ) The term applicant means any person who applies to a creditor directly for an extension, renewal, or continuation of credit, or applies to a creditor indirectly by use of an existing credit plan for an amount exceeding a previously established credit limit. ( c ) The term Bureau means the Bureau of Consumer Financial Protection. ( d ) The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation of the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j - I will use that as proof should I end up in court because of your blatant refusal to follow federal procedures/laws.
ACCOUNT NUMBER : XXXX
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| 07/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XXXX XXXX XXXXXXXX XXXX sent letter saying Mortgage is being transferred to XXXX XXXX effective XXXX.
Receive Mortgage XXXX statement on XXXX that states I owe {$1000.00}.
Made payment to XXXX XXXX ( XXXX ) on XXXX for the amount of {$1000.00}.
Receive Mortgage XXXX statement on XXXX that states I owe {$17000.00}. Made a call to XXXX XXXX on XXXX had to leave a message to call back.
XXXX XXXX called and said that I was still on Pandemic forbearance, in which I told her that was resolved last year, then she said " Congratulations '' and she said everything was fine.
Receive Mortgage XXXX statement on XXXX that states I owe {$16000.00}.
Receive an " Escrow review statement '' saying that my new Mortgage payment Starting XX/XX/XXXX will be {$1100.00}.
Made payment to XXXX XXXX ( XXXX ) on XXXX for the amount of {$1000.00}.
Made payment to XXXX XXXX ( XXXX ) on XXXX for the amount of {$1000.00}. When talking to XXXX XXXX when making the payment I told her that the amount of {$1100.00} was wrong and she told me that I have to call next month.
Receive Mortgage XXXX statement on XXXX that states I owe {$6400.00}.
On XXXX We received a letter saying that they did not find any error in a payment history and we still owe XXXX payment in which we sent in out bank statement for that month.
XXXX I called XXXX XXXX to make payment and she sent me to Loss Mitigation to make a payment in which I did for {$1000.00} Receive Mortgage Loan statement on XXXX that states I owe {$6400.00}.
This email sent to XXXX XXXX : Good Morning XXXX, I received a bill for {$6400.00}. I thought this was resolved. Back on XXXX I talked to to XXXX and she said everything was resolved. Can you please make sure of this ASAP.
In XXXX we are going to apply for XXXX loans for my Daughter and I can not have this in the way of the application.
Please reply all to this email.
XXXX : Left message on XXXX @ XXXX, XXXX, XXXX XXXX : Sent email @ XXXX, XXXX, XXXX Sent another Email on XXXX Rec. this email on XXXX : XXXX XXXX, Currently, were waiting for the XXXX XXXX to address the issue. Both XXXX and I have submitted requests to review and update the account to reflect the correct next payment due date.
The turn around time is approximately XXXX business days. I apologize for any inconvenience this may cause.
email sent XXXX : XXXX XXXX, XXXX day did you and XXXX submit XXXX requests to review? No Answer Asked again on XXXX : Good morning, What day did you and XXXX submit XXXX requests to review?
Please reply all to this email answer email XXXX : XXXX submitted XXXX an Escalation to the modification department and to request a modification review on XX/XX/XXXX.
I submitted another request on XX/XX/XXXX for a modification review.
Ive also submitted an escalation request to my manager.
I apologize for any inconvenience. Im working on getting the issue resolved as soon as possible.
XXXX made payment of {$1000.00} Email XXXX : Good Morning, I made a payment today of {$1000.00} and the prompt said I still owe {$6400.00}. I am really starting to get very concerned about this. My wife and I do NOT want it to come down to the last minute before we apply for XXXX loans and get declined of those applications because of this outstanding balance. Tomorrow has been a month and this issue should of been resolved.
Can I please have the name of your manager and his/her direct phone number, so I can talk to he/she about my major concern.
email XXXX : XXXX submitted both an Escalation to the modification department and to request a modification review on XX/XX/XXXX. I submitted another request on XX/XX/XXXX for a modification review. Ive also submitted an escalation request to my manager.
I apologize for any inconvenience. Im working on getting the issue resolved as soon as possible.
On XXXX I ask them to call me. Again I asked them to call me on XXXX rec email XXXX : XXXX XXXX, Per our conversation, I will find out what the turnaround time is to get the next payment due date corrected now that theyve determined the cause.
My Supervisors name is : XXXX XXXX Email : XXXX She is diligently working on a resolution as well as her superiors. Wed all like to see this resolved.
I apologize for any inconvenience and appreciate your patience.
This is the email I sent : Good Morning XXXX, I appreciate your hard work to resolve this issue. But my wife and I have been dealing with this since XXXX XXXX and told numerous times it was resolved. My wife received a certified " Notice of Default and Intent to accelerate '' letter saying that we owe {$5300.00}. My wife started to cry. This was upsetting to me. I spoke to XXXX and she told me that there is a " clich '' in the system and it would be resolved. I asked XXXX I need a date ( s ) that this will be resolved and I have not received it. My daughter just graduated XXXX and she is going on to college. If this bad situation is not resolved, it will hinder the application of student loans and I CAN NOT ABSULUTELY have that happen.
Please email back ( please reply all ) on exactly what is going on and please include dates.
XXXX received The Loss Mitigation Application in the mail XXXX sent email to XXXX XXXX Received a Mortgage Loan Statement for {$7500.00}. Also late charges of {$29.00} Sent email XXXX : Good Morning XXXX, I received XXXX new bill ( statement ) and it says I owe {$7500.00}. Also, I paid my XXXX statement on XXXX and you guys charge me a late charge of {$29.00}... please explain. I figured out the XXXX business days when this will be resolved and it will be XX/XX/XXXX, do you agree?
XXXX received " Notice of Default and Intent to accelerate '' letter in the mail Sent email XXXX : Good Morning, It has been 9 business days. Everything has been resolved, correct?
Sent email XXXX : Good Morning, We received another letter telling us we owe {$6400.00}. PLEASE tell me what is going on. I have been emailing you and I have not received any emails back from you. Please reply all.
XXXX Sent email to XXXX XXXX Made a payment of {$1000.00}.
XXXX received " Notice of Default and Intent to accelerate '' letter in the mail XXXX XXXX called me and said to XXXX reverse the book modification and have to re apply the payments. Does not know when completed maybe 5-7 business days to be completed.
Return email from XXXX XXXX XXXX : Per our phone conversation, my manager has changed, her name is XXXX XXXX XXXX you may have spoken to XXXX in the past.
Her direct contact info is : XXXX.
As I said we are working to get this issue resolved and I will continue to monitor the situation and let you know the progress.
I apologize for any inconvenience this has caused.
If you have any questions or concerns, please let me know.
XXXX received " Notice of Default and Intent to accelerate '' letter in the mail XXXX received a Mortgage XXXX XXXX for {$7500.00}.
XXXX XXXX called me and said that there was a XXXX extension was approved on XXXX and the modification got undo and have to redo the modification. There is still no change.
XXXX made a payment of {$1000.00} to XXXX XXXX that said that XXXX was made on XX/XX/XXXX and there nothing Done. Also, XXXX submitted a credit dispute.
XXXX XXXX XXXX XXXX XXXX XXXX He called me and said my Modification was rejected. Then he put me on hold and Hung up on me.
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX SSN : XXXX XXXX : XX/XX/XXXXXXXX XXXX XXXX Dear Sir/Madam, I am writing to formally dispute several violations by creditors and to request the enforcement of my legal rights under the relevant consumer protection laws. Upon reviewing my credit report, I have identified a multitude of instances where creditors have engaged in actions that are not only unjust but have significantly impacted both my financial well-being and personal life.
The following is a comprehensive list of the violations that I have encountered : XXXX. Unauthorized XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. Unverified Accounts and Inaccurate Reporting : XXXX XXXX XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX : Account number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX XXXX XXXX : Account number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX : Account number : Name This name belongs to someone else. Delete it from my report immediately.
XXXX XXXX : Account number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX LA XXXX XXXX : Account number : Address This address belongs to someone else. Delete it from my report immediately.
The violations outlined above directly contravene the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) : Section 1681b : Permissible purposes of consumer reports.
Section 1681e : Compliance procedures regarding the accuracy and completeness of information.
Fair Debt Collection Practices Act ( FDCPA ) : Section 804 : Acquisition of location information.
Section 805 : Communication in connection with debt collection.
Consumer Financial Protection Bureau ( CFPB ) Regulations : Regulation V : Fair Credit Reporting.
Regulation F : Fair Debt Collection Practices Act.
Identity Theft and Assumption Deterrence Act : Section 605B : Fraud alerts and XXXX XXXX alerts.
Truth in Lending Act ( TILA ) : Section 1639 ( a ) : Credit card account rules.
I have been deeply affected by these violations, both financially and emotionally. The unauthorized credit pulls have led to unwarranted credit score reductions, obstructing my ability to secure favorable loans and housing. The unverified accounts and inaccuracies in my personal information have caused immense distress, affecting my mental well-being and adding undue hardship to my daily life.
Given the profound impact these violations have had on my life, I kindly request that the Consumer Financial Protection Bureau intervene and enforce my legal rights. I implore you to take the necessary measures to hold these creditors accountable for their actions and ensure the rectification of my credit report in compliance with the law.
I am seeking the following remedies : A thorough investigation into the unauthorized credit pulls and unverified accounts listed above.
The enforcement of appropriate penalties against the creditors found to be in violation of consumer protection laws.
A directive to the involved creditors to expeditiously remove any unverified accounts from my credit report.
Facilitation of the correction of any inaccuracies in my personal information.
I trust that the Consumer Financial Protection Bureau 's commitment to safeguarding consumers ' rights will lead to a just resolution of this matter. Please consider the profound implications these violations have had on my life and act to rectify the situation.
Thank you for your attention to this matter. I anticipate a timely resolution and equitable outcome. Should you require additional information or supporting documentation, please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ].
Sincerely, XXXX XXXX
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| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX Account XXXX : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
2. XXXX XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
3. XXXX XXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
4. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
5. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
6. XXXX XXXX Account XXXX : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
7. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
8. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
9. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
10. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
11. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
12. The following personal information is incorrect Account XXXX : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
13. The following personal information is incorrect Account Number : XXXX XXXX -This employer belongs to someone else. Delete it from my report immediately.
14. The inquiry was not authorized XXXX XXXX A Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15XXXX XXXX XXXXXXXX Account Number : XXXX How is it possible that this account has a payment history when its a charge off. Delete this account immediately.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
17. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
20. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
21. XXXX XXXXXXXX XXXX Account XXXX : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
22. XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
23. XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 09/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Please note that a previous case was filed. XXXX responded in the complaint that they sent me the documentation. The problem is that they obviously made an error which has cost me thousands of dollars and a drop in my credit score. If you note my response from them you will see multiple times they say they sent the information to my address. However, if you look at my Contract you will see my address is in XXXX and not in XXXX. A clerical error on the behalf of XXXX should not cost me for 7 years. XXXX sent the paperwork to the OTHER address on file, not mine. Obviously I needed information to be sent to the address on the contract, which is XXXX XXXX XXXX, XXXX, XXXX - which is my address for the last 12 years. I should have been notified by federal and state laws multiple issues.
Required Notifications : Before your lender can sale your car, they MUST notify you of their intentions. You can waive this right, so make sure you dont sign anything the lender gives you until you consult with your lawyer. See Texas Business & Commercial Code Sect. 9.611 Timing of Notification : Your lender must send the required notification after your default and 10 days within the disposition of the vehicle. See Texas Business & Commercial Code Sect. 9.612 Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614 Right to Redeem Car or Truck : You have the right to redeem your vehicle even after Texas repossession. To redeem the loan default, you have to pay whatever is owed through that date, the reasonable expenses like repo fees, storage costs and attorneys fees. You have the right to redeem the vehicle up until the actual sale date and time. See Texas Business & Commercial Code Sect. 9.623 Lenders Failure to Comply : If the lender fails to follow the Texas Repossession laws, then it may be liable for damages and costs that you incur. Or you may be able to recover {$500.00} for each statute violation. Or you may be able to eliminate any deficiency owed on the truck loan after the sale. See Texas Business & Commercial Code Sect. 9.625.
I should not have to get a lawyer to fix this issue. It is obvious ( by the response from XXXX ) that I never got the information required by federal and state law, and the paperwork not only did not get delivered to me, it is proven that it did not get to me because of a clerical issue made by the company. Below is my first complaint with CFPB. I have attached the 19 page response, which was emailed, but also ironically addressed to an address in XXXX with my name on it. I have never lived there. That person who did live there was a friend of my wife, and I do not live with that girl. I have had a wife for 12 years in the same house in XXXX, Texas.
XXXX XXXX is reporting a repossession for this account, in the amount of {$10000.00}. It is true that I co-signed the loan on the car. The person I signed for was in an abusive relationship and my wife and I felt like she needed some help. It was not the wisest thing to do, but it seemed like the right thing to do at the time. It wasnt long after that she disappeared with the car. She made regular payments on time for about a year and then the problems began. The real issues begin once the car was repossessed. I am not disputing their right to repossess the car if she wasnt making the payments. I am concerned that once it was repossessed I wasnt provided notice that the vehicle was going to be sold. I wasnt provided any notice about what it would take to redeem the vehicle. I wasnt provided any notice about when it would be sold. All these are required under Texas Business & Commercial Code Sect. 9.612. Nor was I ever informed of what it was sold for, so I have no way of knowing if the amount they claim is still owed is correct or not. Finally, to add insult to injury the item was then slapped onto my credit report. This item is under dispute under the FCRA, 15 USC section 1681i, for being inaccurate or unverifiable, because I have no way to know if the amount being claimed is correct. It is also under dispute under the FDCPA, 15 USC section 1692g, because at all points there has been a failure to provide written notice of anything related to the repossession or sale of the vehicle. Had I known of the repossession I would have bought this car to keep this off my credit. Texas State Law requires multiple things that are not addressed in federal law that I am sure that XXXX knows about but none of these things were followed. Sale/Auction : Your lender can sell your truck in a commercially reasonable manner at an auction or other type of sale. See Texas Business & Commercial Code Sect. 9.610 Required Notifications : Before your lender can sale your truck, they MUST notify you of their intentions.. See Texas Business & Commercial Code Sect. 9.611. They did not notify me of the sale. Timing of Notification : Your lender must send the required notification after your default and 10 days within the disposition of the vehicle. See Texas Business & Commercial Code Sect. 9.612. They did not notify me of the sale and did not send me the notification. Content of Notice : The notice must list your name and the collateral that the lender intends to sell. It must state how much money it would take to REDEEM or reinstate the loan. It must provide a telephone number to call to redeem the loan. It must state how they plan to dispose of the truck and tell you that you are entitled to an accountable of any debt remaining after the sale. The lender must tell you the time and place of the auction ( or other manner of sale ). Its pretty easy for lenders to follow this rule the form is listed in the statute. See Texas Business & Commercial Code Sect. 9.613 and Texas Business & Commercial Code Sect. 9.614, None of this was done. Right to Redeem Car or Truck : You have the right to redeem your vehicle even after Texas repossession. To redeem the loan default, you have to pay whatever is owed through that date, the reasonable expenses like repo fees, storage costs and attorneys fees. You have the right to redeem the vehicle up until the actual sale date and time. See Texas Business & Commercial Code Sect. 9.623 Lenders Failure to Comply : If the lender fails to follow the Texas Repossession laws, then it may be liable for damages and costs that you incur. Or you may be able to recover {$500.00} for each statute violation. Or you may be able to eliminate any deficiency owed on the truck loan after the sale. See Texas Business & Commercial Code Sect. 9.625 Consequently, I am requesting that this removed from my credit report as being inaccurate, unverifiable, and under dispute where the creditor has failed to provide proper notice of the items relating to this account.
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| 07/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing in regards to the letter on XX/XX/2023 as being frivolous as everything needed to investigate this dispute was provided by XXXX XXXX XXXX.
Based on the Consumer Financial Protection Circular 2022-07 by the Consumer Federal Protection Bureau , XXXX XXXX letter stated the following when I notified XXXX XXXX ( furnisher ) : Thus, when consumer reporting agencies and furnishers are properly notified of a dispute about information furnished in a consumer report, both consumer reporting agencies and furnishers must conduct a reasonable investigation of the dispute.
As my name, account number, last four of my social security number, address and the specific information I disputed on my credit report with an explanation on XX/XX/2023 that correlates with everything requested for in XXXX XXXX letter dated XXXX XXXX.
Proof of such requested information stated in XXXX XXXX letter : At this time, we are unable to conduct an investigation with the information provided as we have identified this to be a request containing Insufficient Information. In order for us to investigate your dispute, we must receive the following information : o Your name, account number, address, and telephone number ; o The specific information you are disputing in your credit report ; and o An explanation of why you are disputing this information As the above referenced letter was a stall tactic to try to not investigate this dispute when notified. Stated in the Consumer Financial Protection Circular 2022-07 by the Consumer Federal Protection Bureau : Consumer reporting agencies and furnishers can not avoid the obligation to conduct a reasonable investigation of disputes by making consumers satisfy demands other than those specified by statute or regulation. The CFPB is aware that consumer reporting agencies and furnishers have sought to evade the obligation to investigate disputes by requiring consumers to submit particular items of information or documentation with a dispute before the entity will conduct its investigation of the dispute. Examples of this conduct include : Consumer reporting agencies that require a consumer to provide a recent copy of the consumers report or file disclosure before investigating disputes despite the consumer providing sufficient information to investigate the disputed information ; Furnishers that require a consumer to provide additional specific documents even though the consumer has already provided the supporting documentation or other information reasonably required to substantiate the basis of a direct dispute ; and Consumer reporting agencies or furnishers that require a consumer to attach a completed proprietary form before investigating the consumers dispute.
In which XXXX XXXX clearly states the following in the letter dated XX/XX/2023 : .You may also provide additional supporting documentation, as applicable, to support your claim, such as : o A copy of the relevant portion of your consumer report containing the alleged inaccurate information or account statements ; or o A copy of a police report, fraud, or identity theft affidavit At this time, we are unable to conduct an investigation with the information provided as we have identified this to be a request containing Insufficient Information. In order for us to investigate your dispute, we must receive the following information : Proving such statements limit my federal rights under the F.C.R.A. and make XXXX XXXX not compliant to the laws in place under the F.C.R.A. in regards to investigating consumer complaint directly with consumers. In which the C.F.P.B. clearly states the following on such topic : Enforcers may consider bringing an action under the FCRA when furnishers and consumer reporting agencies require consumers to provide documentation or proof documents, other than as described in the statute or regulation, as a precondition to the investigation. For disputes received directly from a consumer, a consumer reporting agency or furnisher must reasonably investigate the dispute unless they have reasonably determined that the dispute is frivolous or irrelevant. If such a determination is made, the consumer reporting agency or furnisher must notify the consumer of such determination within XXXX business days of the determination and identify the additional information needed from the consumer to investigate the dispute. Further, furnishers are not permitted to deem disputes as frivolous or irrelevant if the dispute has been provided to the furnisher from a consumer reporting agency pursuant to FCRA Section 623 ( b ).
Accordingly, consumer reporting agencies and furnishers must reasonably investigate disputes received directly from consumers that are not frivolous or irrelevant and furnishers must reasonably investigate all indirect disputes received from consumer reporting agencies even if such disputes do not include the entitys preferred format, preferred intake forms, or preferred documentation or forms.
Consumer reporting agencies must provide to the furnisher all relevant information regarding the dispute that it received from the consumer.
Enforcers may bring a claim if a consumer reporting agency fails to promptly provide to the furnisher all relevant information regarding the dispute that the consumer reporting agency receives from the consumer.Through its supervision, the CFPB has found that consumer reporting agencies tend to ingest dispute information from consumers using automated protocols, and they also share dispute information with furnishers electronically.The use of these technologies has reduced the cost and time to transmit relevant information.
As stated in Advisory Opinion to XXXX ( XXXX ) issued by the Federal Trade Commission : Section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( " FCRA '' ) concerns the reporting of information to consumer reporting agencies once the consumer has notified the furnisher that information is disputed. That section states that when a consumer disputes the completeness or accuracy of any information furnished to a consumer reporting agency, the information in question may not then be furnished without notice that it is disputed by the consumer. That provision addresses the furnisher 's obligation only when the furnisher continues to report disputed information. That provision addresses the furnishers obligation only when the furnisher continues to report disputed information. The statute is silent on the matter of the furnisher ceasing to report information while it is investigating the dispute. It is thus the opinion of the Commission staff that a furnisher that temporarily ceases to report disputed information while it investigates the matter, and then either ( 1 ) corrects the information if its investigation results in agreement with the consumer or ( 2 ) reports the item as disputed by the consumer where that is the result of the investigation, would comply with Section 623 ( a ).
In which XXXX must be compliant and stop reporting to all credit reporting agencies.
As you had all relevant information by law to investigate such a dispute it has now been more than thirty ( 30 ) days XXXX XXXX had to investigate such a dispute and must delete such inaccurate account for reporting incorrectly and not investigating properly with the F.DC.A.
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| 02/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. XXXX XXXX Account Number : XXXX Inquiries have reached the statute of limitation.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX XXXX
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| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, TransUnion and XXXX have been violating my rights as a federally protected consumer under the FCRA and The Privacy Act of 1974. 16 CFR 313.1 defines the purpose and scope of how consumer nonpublic information is to be treated since on or about 2015. Specifically, 313.1 defines Purpose and scope as the following : ( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( 1 ) Requires a financial institution in specified circumstances to provide notice to customers about its privacy policies and practices ; ( 2 ) Describes the conditions under which a financial institution may disclose nonpublic personal information about consumers to nonaffiliated third parties ; and ( 3 ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure ... No opt-out notices nor disclosures to opt-out were provided to me as required by law and/or statute.
15 USC 1681 section 602 A states I have a right to privacy. 15 USC 1681 section 604 A subsection 2 further states that a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information other than the records of convictions of crimes which antedates the report by more than 7 years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
My federally protected rights under The Privacy Act of 1974 and the Family Educational Rights and Privacy Act ( FERPA ) were violated by the reporting the student loan accounts listed below : ACCOUNT NAME : XXXX ACCT # XXXX ACCOUNT NAME : XXXX XXXXXXXX XXXX XXXXXXXX ACCT XXXX XXXX Additionally, Privacy Act of 1974 which is a federal law that governs the collection and use of records federal agencies maintain on me in a system of records. This system of records is any grouping of information about me under the control of a Federal agency from which information is retrievable by personal identifiers, such as name, social security number, or other identifying number or symbol. Under the Privacy Act of 1974, Federal agencies may not disclose information without my consent unless certain exceptions apply to the disclosure. The CRAs have not met the definitions of those " certain exceptions ''. Additionally, I have never provided written consent for my personal information to be disclosed to any credit report agencies, 3rd party, affiliates, and non-affiliates. According to The No Disclosure without Consent Rule, No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ) The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.
Under 15 USC 6802-obligations with respect to disclosures of personal information, it states under subsection ( a ) Notice requirements it states that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. By virtue of XXXX, XXXX, and TransUnion having my personal information, they have violated this code along with the data furnishers, non-affiliates, 3rd parties, and/or bank ( s ), that supplied this information to all 3 major CRAs.
Additionally, under 15 USC 1681a ( d ) defines a Consumer Report as : ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. Additionally, 15 USC 1681a ( 2 ) defines XXXX.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Thus, the TRANSACTION HISTORY of the following accounts should be BLOCKED from my credit report : ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT # XXXX The following accounts are listed as `XXXX Collection '' accounts and under the IRS rules any account listed as a " charge off XXXX or in " collections '' is considered " income ''. Income is not to be reported on a credit report thus these accounts are to be removed and blocked immediately. Additionally, under 15 USC 6802-obligations with respect to disclosures of personal information, it states under subsection ( a ) Notice requirements that except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. The following accounts are being reported on my credit report without my knowledge or written consent, nor have they sent any documentation with my wet ink signature that demonstrates a financial relationship and/or financial obligation as to any debts acquired or owed to them by me. Those accounts are : ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX Additionally, 15 USC 1681, the Fair Credit Reporting Act provide for accurate reporting of information on my credit report. However the following accounts are listed in a duplicative manner and should be immediately removed, blocked and/or deleted to comply with the law governing accurate reporting : ACCOUNT NAME : XXXX ACCT XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCT XXXX XXXX ACCOUNT NAME : XXXXXXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXXXXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXX ACCOUNT # XXXX ACCOUNT NAME : XXXXXXXX XXXX XXXX ACCOUNT # XXXX
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| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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RE : Inaccurate Reporting Attention : CFPB Customer Complaints Department This letter is to be taken as my formal complaint. The consumer reporting agencies TransUnion, XXXX and XXXX are reporting inaccurate information on my consumer report, they fail to remove the inaccurate accounts. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA the consumer reporting agencies are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
In pursuant to U.S Code 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate.
There is inaccurate information reporting on my consumer report by furnishers to the bureaus. I would like to point out many inconsistencies and errors that grossly affect and damage my credit scores. I have made them aware of such inaccuracies via letters and by telephone, but they seem to refuse to properly investigate.
Pursuant to Congressional findings and statement of purpose 15 U.S.C. 1681 ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
How can i have confidence in a system that will blatantly furnish inaccurate information on my consumer report?
Please review the following information where I show in detail, the inconsistencies that are showing on all three reports. I've also attached a copy of my consumer report with inaccurate information highlighted.
( XXXX XXXX XXXX ) XXXX # XXXX Errors & inconsistencies found.
Date open Trans union XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX High credit TransunionXXXX XXXX : XXXX XXXX : XXXX Date last active TransUnion : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Date of last payment Trans union XXXX XX/XX/XXXX XXXX : XX/XX/XXXX XXXX Payment : status charged off { XXXX XXXX XXXX } { XXXX } Errors & Inconsistencies Found : { Date Opened are not consistent across bureaus.
Transunion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX.
XXXX is reporting XX/XX/XXXX.
Dates for last reported : Trans Union XX/XX/XXXX XXXX. XX/XX/XXXX XXXX. XX/XX/XXXX Listed : High Credit amount Transunion is reporting XXXX.
XXXX is reporting. XXXX XXXX is reporting. XXXX Date of last payment : Transunion is reporting XX/XX/XXXX.
XXXX is reporting XX/XX/XXXX.
XXXX is reporting XX/XX/XXXX.
Payment status : charged off.
{ XXXX XXXX XXXX } { XXXX } Errors & Inconsistencies Found : The following errors are reporting differently across the credit bureaus : Date of Last Payment XXXX XX/XX/XXXX XXXX XX/XX/XXXX Payment status : charge off.
( XXXX XXXX ) ( XXXX ) [ Date opened ] Transunion is reporting XX/XX/XXXX.
XXXX is XX/XX/XXXX.
High credit : Transunion is reporting XXXX.
XXXX is reporting XXXX.
Last reported : Transunion is reporting XX/XX/XXXX.
XXXX is reporting XX/XX/XXXX.
Acc status : charged off.
As you can see the inaccuracies are numerous. There is only ONE source of information, which is the original creditor of this account. How can there be so many inaccuracies between the bureaus with all information coming from the same source??? There is no possible way this account was verified as it has been falsely claimed.
I'd like to make mention, in addition to the many inconsistencies.
The accounts in question are also listed as a charged off account. Charged off accounts also known as canceled debt are also certificates of indebtedness, which are in fact income. When a business cancels a debt a 1099c form must be filed with the IRS as gross income. Income is not reported on a consumer reports.
( see attached IRS publication ) Insert from IRS publication regarding canceled debt.
1.Canceled Debts This chapter discusses the tax treatment of canceled debts. General Rules Generally, if a debt for which you are personally liable is forgiven or discharged for less than the full amount owed, the debt is considered canceled in whatever amount it remained unpaid. There are exceptions to this rule, discussed under Exceptions, later. Generally, you must include the canceled debt in your income. However, you may be able to exclude the canceled.
Form 1099-C If you receive a Form 1099-C, that means an applicable entity has reported an identifiable event to the IRS regarding a debt you owe. For information on the reasons an applicable entity files Form 1099-C, see Identifiable event codes, later. Unless you meet one of the exceptions or exclusions discussed later, this canceled debt is ordinary income and must be reported on the appropriate form discussed above.
An applicable entity includes the following.
1. A financial institution.
2. A credit union.
3. Any of the following, its successor, or subunit of one of the following.
a. The Federal Deposit Insurance Corporation ( FDIC ).
b. The Resolution Trust Corporation ( RTC ).
c. The National Credit Union Administration ( NCUA ).
d. Any other federal executive agency, including government corporations, any military department, the U.S.
Postal Service, or the Postal Rate Commission.
4. A corporate subsidiary of a financial institution or credit union ( if the affiliation subjects the subsidiary to federal or state regulation ).
5. A federal government agency, including a department, an agency, a court or court administrative office, or a judicial or legislative instrumentality.
6. Any organization of which lending money is a significant trade or business.
The Bureaus and creditors are in violation of 15 U.S code1681e-Compliance procedures : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Income is not a part of the information listed on a consumer report. The accounts in question are completely INACCURATE accounts. They are inaccurate in dates, amounts and the agency is reporting income. which is a violation of U.S code1681a ( i ). Now i have reason to believe the entire account is fraudulent, due to so many inconsistencies and willful violations of the law. U.S code1681a ( i ) ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 624, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the law not even my transaction history should be reported on my consumer report.
Iam a litigious federally protected consumer and this matter needs to be corrected. I fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts to be deleted immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 07/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions XXXX XXXX XXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------
XXXX XXXX Collection/Chargeoff XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
-------------------
XXXX XXXX XXXX Collection/Chargeoff
Past due
XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------ XXXX XXXX Closed
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------ XXXX XXXX
Closed
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
---------------------
DEPTEDXXXX XXXX Open
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
--------------------
DEPTEDXXXX XXXX Open
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------
DEPTEDXXXX XXXX
Open
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
-------------------
DEPTEDXXXX XXXX Open
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------
XXXX XXXX
Current
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
-------------------- XXXX XXXX
Collection/Chargeoff
XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------
XXXX XXXX XXXX Closed
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------
XXXX XXXX Late 120 Days XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
--------------------
XXXX XXXX
Late 120 Days XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------ XXXX XXXX Late 120 Days XXXX XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------
XXXX XXXX Late 120 Days XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
---------------------
XXXX XXXX
Late 120 Days XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
-------------------
XXXX XXXX XXXX XXXX Collection/Chargeoff
XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------ XXXX XXXX XXXX
Collection/Chargeoff
XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
---------------------- XXXX XXXX XXXX Collection/Chargeoff
XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
---------------------
XXXX XXXX XXXX
Collection/Chargeoff XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------- XXXX XXXX XXXX Collection/Chargeoff
XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------------ XXXX XXXX XXXX
Collection/Chargeoff
XXXX unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
----------------------------
XXXX XXXX XXXX XXXX Collection/Chargeoff XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------
XXXX XXXX XXXX
Collection/Chargeoff XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
---------------------------- XXXX XXXX XXXX
Collection/Chargeoff
XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
------------------------------ XXXX Collection/Chargeoff
XXXX
unlawfully reporting false, defaming, and incorrect information to the credit bureaus
I have no knowledge nor association with this account and have tried reporting to agnecy already
--------------------------
Below are false inquiries not done by me
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/03/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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This complaint involves the following parties : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Attn : XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( as Identured Trustee ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX : XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX TRANSUNION XXXX : XXXX XXXX and XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX
XXXX XXXX XXXX XXXX XXXX, GA XXXX Please note that Ive already tried repeatedly to resolve these issues ( with all parties ) via certified mail before filing this CFPB complaint.
Summary of Problem / Complaint Details XXXX XXXX XXXX XXXX XXXX XXXX ) is committing securities fraud and willfully violating the Fair Credit Reporting Act by furnishing false, inaccurate, non-public information to non-affiliated third parties ( specifically credit agencies XXXX, TRANSUNION and XXXX ).
XXXX XXXX sent XXXX a written request to OPT-OUT ( per 15 USC 6802 and 16 CFR 313.7 ) via certified mail back in XXXX of XXXX, which XXXX ignored. Included in this same round of certified mail was also a notorized affidavit from XXXX XXXX detailing 16 different statements of fact which XXXX also ignored and did not respond to.
Rather than conducting a reasonable investigation into XXXX XXXX concerns and addressing the 16 specific issues listed, XXXX Customer Solutions mailed back a generic response letter ( dated XXXX XXXX XXXX / addressed to XXXX XXXX ) stating that they investigated the concerns and determined that no billing error occurred because their records indicate the credit reporting regarding this account is accurate ; despite XXXX XXXX having documented over 48 factual discrepancies and FCRA violations at that time.
This generic response letter from XXXX also listed a total outstanding balance of {$590.00} despite this account having been charged off and closed in XXXXXXXX Theres no way a closed/ charged off account can still have an outstanding balance in XXXXXXXX
In addition to this generic response letter, XXXX attached a copy of the accounts transaction history which shows that the account accrued finance charges and a currency conversion fee in XXXX ( despite XXXX reporting that this account was charged off in XXXX ). Again, once an account is charged off, that account is considered CLOSED. So theres no way an account that was closed/charged off in XXXX could suddenly be accruing finance charges and currency conversion fees one year later in XXXX.
XXXX XXXX has sent multiple rounds of certified mail to XXXX in an attempt to resolve this matter in good faith outside of court ; this certified mail has included a formal cease and desist letter, a follow up estoppel letter and letter of demand with invoice, yet XXXX willfully persists in furnishing false information to the credit agencies ( violating 15 USC 1681s-2 ) as well as the Privacy Act of 1974, the Truth in Lending Act and the Securities Exchange Act of 1934.
XXXX XXXX has also repeatedly notified the credit agencies XXXX, TRANSUNION and XXXX via certified mail about this matter, sending them formal cease and desist letters, estoppels and letters of demand with invoices, yet all three credit agencies continue to willfully report this false, inaccurate, non-public information ( furnished to them from XXXX ) despite the ongoing factual discrepancies that they have been notified of time and time again.
Rather than conducting reasonable investigations into the matter, XXXX, TRANSUNION and XXXX conducted superficial examinations based on presumption ( not proof ) that XXXX was telling the truth without requiring XXXX to provide actual account documentation that could be verified. This is a violation of the Fair Credit Reporting Act ( 15 USC 1681i ).
XXXX XXXX has attached his most recent XXXX report ( dated XXXX XXXX XXXX ) to this CFPB complaint which shows side by side that all three credit agencies are reporting wildly different information in regards to this XXXX account.
XXXX, TRANSUNION and XXXX are reporting different high balance amounts, different dates of last activity, different dates opened, and all list a current balance owed while simultaneously reporting that this account was closed/charged off. Theres no way a closed/charged off account still has an active balance.
XXXX, TRANSUNION and XXXX should all be reporting the same information for this XXXX account, yet they are not. This is proof that XXXX, TRANSUNION and XXXX are not doing their due diligence in verifying the maximum possible accuracy of the information being furnished to them by XXXX. This also shows that the credit agencies are not exercising their grave responsibilities with fairness, impartiality and respect with the consumers right to privacy, thus impairing the efficiency of the banking system and undermining public confidence ( 15 USC 1681 ).
This is grounds for immediate deletion of this XXXX account from all of XXXX XXXX credit reports ( per 15 USC 1681i ).
Per 15 USC 6805, it is now the CFPBs responsibility to enforce compliance in this matter and see to it that XXXX XXXX credit reports are promptly corrected and that XXXX XXXX is now compensated for FCRA violations in the amount of {$1000.00} per violation ( per 15 USC 1681n ).
Please see the attached documents which include notices of default and opportunities to cure. XXXX XXXX has also attached updated invoices addressed to XXXX, XXXX, TRANSUNION and XXXX.
XXXX XXXX has repeatedly attempted to resolve this matter in good faith for over a year now. This will be his last attempt to settle outside of Federal court where XXXX not only be seeking compensation for FCRA violations, but also attaching claims for securities fraud and damages upwards of 4 times what hes requesting compensation for at this time.
In conclusion, the outcome desired is that this XXXX account should not be showing any transaction history ( including late payments and charge-offs ). Transactions are not allowed to be included in consumer reports ( per 15 USC 1681a ). Also, 15 USC 1666b makes it clear that payments on a consumer credit plan can not be marked as late for any purpose. Additionally, charge-offs are considered certificates of indebtedness ( which the IRS considers income per publication 4681 ), so charge-offs are also not allowed to be reporting.
The only thing XXXX XXXXXXXX, TRANSUNION and XXXX have XXXX XXXX permission to report is that this account was PAID IN FULL, ON TIME, AS AGREED.
No adverse information should be reporting.
Any information beyond this would be considered furnishing a deceptive form with the intent to mislead the public ( 15 USC 1692j ).
From the beginning, XXXX engaged in contract and securities fraud. XXXX used misleading and deceptive language and practices to elicit a signature for an alleged purchase money loan, but XXXX XXXX never recieved any cash advance in exchange for finance charge ( 16 CFR 433.1 ). Instead, XXXX conducted a consumer credit transaction whereby XXXX XXXX signature was used ( without his full knowledge and understanding ) to securitize a bond on a promissory note which is now an obligation of the United States ( per 18 USC 8 ).
This was a violation of 17 CFR 240.14a-9 and 17 CFR 240.15c1-2.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing to file a dispute regarding my credit report, which I believe contains inaccurate and incomplete information that is negatively affecting my financial standing. I request that you enforce the relevant laws and regulations to ensure the maximum possible accuracy of the information in my consumer report.
According to my credit report, my name is listed as XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX However, my correct name is XXXX XXXX XXXX. This error has caused me significant distress, as it has resulted in numerous discrepancies in my financial records, making it difficult to obtain loans or credit.
Furthermore, my credit report lists multiple addresses that are inaccurate or incomplete. My current address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, California XXXX, but the report lists several addresses that I have never lived at, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. These errors have made it challenging for me to verify my identity, which is essential for obtaining credit or housing.
I believe that the credit bureaus may have violated several sections of the Fair Credit Reporting Act ( FCRA ), including Section 607 ( b ), Section 611 ( a ), and Section 611 ( b ). These sections require consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they include in consumer reports and to provide consumers with a free copy of their credit report once every 12 months upon request. Additionally, the FCRA requires consumer reporting agencies to promptly investigate any dispute regarding inaccurate or incomplete information in a consumer report and to correct or delete any inaccurate or incomplete information.
Furthermore, the credit bureaus may have violated Section 612 and Section 623 ( a ) ( 2 ) of the Fair and Accurate Credit Transactions Act ( FACTA ). These sections require consumer reporting agencies to provide consumers with one free credit report per year and to promptly correct any inaccurate information. Additionally, FACTA requires furnishers of information to consumer reporting agencies to report accurate information.
XXXX XXXX TransUnion is reporting that the last verified date for this account was XX/XX/XXXX, but XXXX did not report any payment activity. Additionally, TransUnion reported the date of last activity as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX. Furthermore, TransUnion reported the date reported as XX/XX/XXXX, but XXXX reported it as XX/XX/XXXX. Both TransUnion and XXXX listed the payment status as charge off, but I never received any notification from them regarding this charge off account, nor did they provide me with any paperwork.
This inaccurate and incomplete information is in violation of several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). FCRA Section 607 ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of the information they include in consumer reports. FCRA Section 611 ( a ) requires consumer reporting agencies to provide consumers with a free copy of their credit report once every 12 months upon request. FCRA Section 611 ( b ) requires consumer reporting agencies to promptly investigate any dispute regarding inaccurate or incomplete information in a consumer report and to correct or delete any inaccurate or incomplete information. Similarly, FACTA Section 612 requires consumer reporting agencies to provide consumers with one free credit report per year and to promptly correct any inaccurate information. FACTA Section 623 ( a ) ( 2 ) requires furnishers of information to consumer reporting agencies to report accurate information.
XXXX XXXX has reported on my credit report. According to XXXX, I was 30 days late on my account on XX/XX/XXXX, but I have not missed any payments on this account. Additionally, TransUnion is showing that the account status is closed, while two other bureaus show it as open.
I believe that XXXX has violated the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), the Truth in Lending Act ( TILA ), and potentially the Fair Debt Collection Practices Act ( FDCPA ).
FCRA Section 623 requires that furnishers of information to credit reporting agencies maintain reasonable procedures to ensure the accuracy of the information they report. Section 611 ( a ) of the FCRA also gives consumers the right to dispute inaccurate information on their credit reports. If XXXX failed to maintain reasonable procedures to ensure the accuracy of the information they reported to the credit reporting agencies and did not investigate and correct any disputed inaccuracies, they may have violated the FCRA.
FACTA Section 312 amended the FCRA to require furnishers of information to CRAs to establish reasonable policies and procedures for the accuracy and integrity of the information they provide. If XXXX failed to establish such policies and procedures or provided inaccurate information to the CRAs without promptly correcting it, they may have violated FACTA.
TILA Section 164 requires lenders to provide accurate information to borrowers about the terms and conditions of their loans, including payment due dates and amounts. If XXXX provided inaccurate or misleading information to me about my account status or payment due dates, they may have violated TILA.
XXXX and XXXX XXXX XXXXXXXX inquiry on my credit report. The inquiry is inaccurate and has caused significant harm to my credit score and financial well-being.
As a result of this inaccurate inquiry, I have been denied credit opportunities, including loans and credit cards. I have also been subject to higher interest rates and fees, making it difficult for me to manage my finances and meet my financial obligations. This has caused me a great deal of stress and anxiety.
Under the Fair Credit Reporting Act ( FCRA ), I believe that this inquiry violates Section 607 ( b ), which requires consumer reporting agencies ( CRAs ) to maintain reasonable procedures to ensure the maximum possible accuracy of the information contained in consumer reports, including inquiries. Additionally, Section 611 ( a ) of the FCRA provides me with the right to dispute inaccurate information on my credit report. I have not authorized SYNCB/LOWES to make this inquiry and therefore it should be removed from my credit report.
I may also have a claim under the Fair and Accurate Credit Transactions Act ( FACTA ), which requires CRAs to provide consumers with a free copy of their credit report once every 12 months. If the XXXX inquiry is found to be inaccurate or can not be verified, I have the right to dispute it with the CRA.
This inaccurate inquiry has caused me significant emotional distress and financial harm. I kindly request that you enforce the legal violations and remove this unverified account from my credit report as soon as possible.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
|
| 12/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
on XX/XX/XXXX XXXX i sent letters to XXXX, XXXX, and transunion explainging to them that It has been well over 60 days since my last letter XXXX XXXX and transunion was sent on XXXX, its been more than 90 days and they have not been able to provide me verified proof and methods of verfication for the fraudulent accounts on my report. XXXX, XXXX, and transunion failed to remove the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act XXXX, XXXX, and transunion are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.. It has been more 90 days and XXXX, XXXX, and transunion have not sent any proof or responded. According to Section 609 and the federal law you must now remove all these inaccurate unverifiable accounts listed below. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
The following account is is unverified and must be deleted XXXX XXXX XXXX XXXX XXXX XXXX this account reports closed as of XX/XX/XXXX then it is reporting 120 days late since XX/XX/XXXX that is impossible. It is inaccurate for there to be late payments after it is closed.Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 168li ( 5 ) this accounts in violation not reporting 100 % accurate. Another reason XXXX, XXXX, and transunionmust delete.
Also I respectfully Contacted XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore XXXX, XXXX, and transunion are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report 2. The following account is is unverified and must be deleted STATE OF CT DEPT SOC S A/C # XXXX Also I respectfully Contacted STATE OF CT DEPT SOC S and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report XXXX XXXX XXXXXXXX XXXX XXXX ( Original creditor : XXXX ), Account Number : XXXX.
XXXX, XXXX, and transunion are violating Section 604 15 U.S. Code 1681 ( b ) of FCRA - I never gave permissible purpose for XXXX, XXXX, and transunion to report this account on my report.XXXX, XXXX, and transunion are violating 15 U.S. Code 1681 i ( 5 ) of FCRA - this accounts in violation not reporting 100 % accurate. Another reason XXXX, XXXX, and transunion must delete.
XXXX, XXXX, and transunion are violating section 605 A 15 U.S. Code 1681 C-1 of FCRA- I never gave consent so this account is identity theft and fraud and must be deleted. XXXX, XXXX, and transunion are violating section 605 B 15 U.S. Code 1681 C of FCRA - states that since I never gave consent so this account and It is identity theft and fraud, since I notified XXXX, XXXX, and transunion that something is on my report from identity theft and I did not consent to this account XXXX, XXXX, and transunion must remove and block from my report.
Also I Contacted XXXX XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore XXXX, XXXX, and transunion are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over XXXX consumer laws XXXX, XXXX, and transunion are violating.
XXXX XXXX XXXX XXXX XXXX I ( Original creditor : XXXX ), Account Number : XXXX.
XXXX, XXXX, and transunion are violating Section 604 15 U.S. Code 1681 ( b ) of FCRA - I never gave permissible purpose for XXXX, XXXX, and transunion to report this account on my report.XXXX, XXXX, and transunion are violating 15 U.S. Code 1681 i ( 5 ) of FCRA - this accounts in violation not reporting 100 % accurate. Another reason XXXX, XXXX, and transunion must delete.
XXXX, XXXX, and transunion are violating section 605 A 15 U.S. Code 1681 C-XXXX of FCRA- I never gave consent so this account is identity theft and fraud and must be deleted. XXXX, XXXX, and transunion are violating section 605 B 15 U.S. Code 1681 C of FCRA - states that since I never gave consent so this account and It is identity theft and fraud, since I notified XXXX, XXXX, and transunion that something is on my report from identity theft and I did not consent to this account XXXX, XXXX, and transunion must remove and block from my report.
Also I Contacted XXXX XXXX XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore XXXX, XXXX, and transunion are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not. I can only validate this debt. I do not wish to validate this debt. The item must be deleted from the report expeditiously. I have listed over XXXX consumer laws XXXX, XXXX, and transunion are violating.
XXXX XXXX, Account Number : XXXX On top of not sending verified proof and responding in the right amount of time, this account is a charge off with a balance of {$160.00}.
A charge off means XXXX XXXX has written it off already has been paid. It is inaccurate for there to be a past due balance if it is a charge off. Section 604 Under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( XXXX ) this accounts in violation not reporting 100 % accurate. Another reason XXXX, XXXX, and transunion must delete.
XXXX, XXXX, and transunion are violating section 605 A 15 U.S. Code 1681 C-XXXX of FCRA- I never gave consent so this account is identity theft and fraud and must be deleted.
XXXX, XXXX, and transunion are violating section 605 B 15 U.S. Code 1681 C of FCRA - since I never gave consent so this account and It is identity theft and fraud, since I notified you that something is on my report from identity theft and I did not consent to this account XXXX, XXXX, and transunion must remove and block from my report.
Also I respectfully Contacted XXXX XXXX and requested to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.They have not been able to provide such proof to me therefore you are reporting misleading false accounts.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 14 days prior I was not.
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| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX ( Partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I asked this credit reporting company to investigate this report and they also failed to do an actual investigation. I hope that this time the request for information in this complaint will resolve any inaccuracies when submitted. The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. I requested validation and verification of the debt they collected and never received it. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the debt that was collected by XXXX XXXX XXXX
Detailed Request for validation of the debt : I am requesting a validation of the debt that was collected by XXXX XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX XXXX assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt was valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector had the legal right to collect on the debt, including the signed terms between the creditor and collector ( XXXX XXXX XXXX ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( XXXX XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX XXXX fails to validate the debt, I dispute the reporting of this debt, and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX XXXX regarding the original contract of the debt that they collected. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX XXXX fails to verify the debt, I dispute the reporting of this debt and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX XXXX must provide me with the information that is used to calculate my XXXX XXXX.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting anticipated out of this complaint. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
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| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX CA Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX CA Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX/XXXX XXXX of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The inquiry was not authorized TAB/ INTEGRA Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
2. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
3. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
4. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
5. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
6. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
7. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
8. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
9. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
10. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
11. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
12. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
13. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
14. DEPTEDXXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 08/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Unauthorized Administration of XXXX XXXX XXXX Estate [ XXXX ].
KNOW MEN BY THESE PRESENTS : I- XXXX XXXX XXXX, am an Original Indigenous Sentient Divine Soul from XXXX a Walking, Talking, Independent Island LIVING on the land of XXXX XXXX with righteous acknowledgment, Reclaiming in Glorious and Proper Capacity her Esteemed Honorable place as occupant of the EXECUTRIX Office of XXXX XXXX XXXX, Estate. The XXXX XXXX is requesting that all of your paperwork, filings, addresses and personal information be updated to reflect the legal and lawful place of XXXX XXXX XXXX as the rightful occupant of the Executor, Office of the aforementioned Estate, which is a beneficial estate for XXXX XXXX XXXX, Estate [ XXXX ].
I sent my letter off on XX/XX/XXXX I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below.According to the FCRA the term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal charactertics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is aquainted or who may have knowledge concerning any such items of information.
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on accounts are still not reporting 100 % Accurate. According to the FCRA 15 USC 1681 everything has be be 100 % Accurate. They did not do this and have violated my rights.
I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
I have not given consent nor provided written permission for any these companies to report my private nonpublic information which is listed on the attached credit reports. I did not provide explicit or verbal permission for them to report this information. This is a PRIVACY Issue now when it comes to Consumer Law.
Per 15 USC 6803 Disclosure of institution privacy policy ( a ) DISCLOSURE REQUIRED At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to- ( 1 ) Disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed.
I have a Right to Privacy the Gramm-Leach-Bliley Act ( GLBA ) requires financial institutions to safeguard the confidentiality of customer information. Under the GLBA, financial institutions must deliver notices to customers regarding the collection and information sharing policies; providing customers with the choice to opt-out if they do not want their information shared with nonaffiliated third parties. 15 U.S.C. 6802 ( b ), ( e ) ( 2012 ).
I've NEVER received Notice that my information would be shared to third parties. I did not consent, nor did I provide written permission to share my nonpublic personal information with anyone, CRAs or Creditors. Also, 15 USC 1681 604 A Section 2 - States a Consumer Reporting Agency SHALL Not furnish an account without my written permission or instruction. I have never given written permission to any company.
These entities have used my information without my consent and that is Identity Theft.
The following items listed on my credit reports attached are identified as a result of identity theft. These items were illegally placed on my credit report without Notice, and I never gave consent nor permission for these companies to report my private non-public information below. I never received the Social Security Form SSA89 the Authorization for the Social Security Administration ( SSA ) To Release Social Security Number ( SSN ) Verification. These companies must have this form on file prior to releasing information to the CRAs Who is Reporting the Bankruptcy on my Credit File?
( SEE ATTACHED LETTER FROM XXXX XXXX ) Pursuant to Rule 1005 of the Federal Rules of Bankruptcy Procedure, all documents filed with the court are to contain only the last four digits of the individuals social security number or tax identification. Under the Federal Rules of Bankruptcy Procedure, a debtors full social security number is filed with the original petition and filed under seal Meaning the only information released to third parties who are not involved directly with directly with your case is ( 1 ) Your full name ( 2 ) The Last Four Digits of Your Social Security Number and ( 3 ) Your address.
After reviewing my credit report in the Public Records Section, it shows who furnished the information you claim the furnisher are the courts, but Ive took the time to call the courts and spoke to the Bankruptcy XXXX XXXX XXXX and she stated We do not furnish any information to any third party including the credit bureaus nor do we provide anyone with a debtors full social security number. So why are you - the credit bureau providing false information? This is a clear violation of the Fair Credit Reporting Act to report false information on my credit report. I know now that the credit bureaus get public record information from XXXX or sometimes PACER which are for profit companies that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. Credit Bureau claim to get information from a court, when it obtained from an unnamed XXXX party, could be easily be considered false information on my credit report. Who is XXXX on XXXX, XXXX? HOW WAS THIS BANKRUPTCY VERIFIED?
I have not given consent nor provide written permission for any these companies to report my private non-public information which is listed on the attached credit reports. I did not provide explicit or verbal permission for them to report this information. This is a PRIVACY Issue now when it comes to Consumer Law. These companies are buying and selling my private non-public information and profiting off my information without my permission. These companies have complied reports on me that is supposed to represent who I am, and I did not give them permission to do that. The information which they have provided to you on record is a violation of my Consumer Rights and my Privacy. Im demanding that you follow the law and block/remove any information identified as a result of Identity Theft, no later than 4 business days after the date of receipt of such information you receive from me. No Consent equals Identity Theft and a Crime Act per 18 USC 1028
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| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This Complaint is sent to : XXXX, TRANS UNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX SS XXXX Re : This is a formal dispute of my right as a consumer for removal of all reported inaccurate reporting named in this dispute that is reporting on my credit report. Please firmly establish that your reportings are certifiably compliant in its reporting ( s ) as dubious to be of the mandated physically verified validated claims of truth, accuracy, completeness, of a known ownership of responsibility, of adequate timeliness, and or elsewise indubitable in or of its validity unequivocally as disclosed, as indicated!
To Whom it Concerns, <=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=^=> I am very curious as to what kinds of process-verbal or " records '' you may have for any and each of the accounts alleged by the non-compliant data furnishing reporter ( s )?
It is your requirement to have a certifiably compliant reporting process of which adheres to the mandatorily utilized XXXX XXXX data field formatted reporting standard ( s ).
Under the FCRA, you are required to investigate on this account if I request it, and further provide me a written report of proceedings. I therefore am submitting my written request to you to investigate. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time, per the FCRA, you must remove any alleged unproven negative information of which I have lodges a contesting of reporting privilege ( s ) by the indicated reporting entity ( ies ). Again, I believe, and you shall agree that it is noteworthy that as the injured consumer, I am of no obligation ( s ) to reveal any imperfections nor any flawed reporting as it is your moral imperative to do so. However, at a minimum the reported allegations versus me include what I have identified as being likely-SUSPICIOUS claims of base field 7 ( BSCF-7 ) with redacted truncation. In mathematical reality, this makes impossible for ANY ENTITY to be certain of adequacy to the perfect inclusion and arrangement of ONLY accurate and complete data field information within the requisite reported data fields outlined mandatory for lawful reporting fulfilling the necessary decrees. That is, how is it assumed that the true account number, whatever it might be, exactly and only the reported data fields and reported data field information as proclaimed by the alleged accusing data reporting furnisher? Further, I ask, given the redacted values within the alleged charged off claim versus me, how can it possibly be confirmable the impeccable reporting when it's not provable the displayed data fields are in and of only perfect alignment with the exact information from such data field ( s ) related to only the one account number that would be supposed truly and provable mine yet not even exposed at all? As example, if were 4 redacted values in any truncated number, there is at least XXXX potential account numbers ( XXXX ) that would satisfy filling in those redacted values yet only one COULD BE THAT OF THIS REPORTING. MATHEMATICALLY, IT IS IMPOSSIBLE FOR ANY ALLEGING DATA REPORTER OR ANY ACCEPTING REPOSITORY OF DATA TO KNOW IN CERTAINTY THE CLAIMS MADE ARE FACTUAL, VERIFIABLE, VALIDATABLE, COMPLIANT, MUCH LESS CONFIRMATIONAL if said considered information is from a concerning truncation.
Another potential ailment in the reported claims adherence to requirements appears to be the reported base field 15 related to the scheduled monthly payment amount. This deviation highlights the likelihood of questionable reporting, an infraction of the ethical and lawful reporting practices of each or either the alleging data reporting furnisher and any accepting repository.
The universal requisites, at a minimum, includes adhering to any and all applicable federal and state statutes, regulations, and standards which is required to ensure that the involved entities each have the correct policies and procedures in place to document their confirmed certifiable compliant reporting process even to the mandates to adhere to the XXXX XXXX data-filled field formatted reporting standards, of which no omitting nor deviations from the aforementioned standards can exist without jeopardizing the claimed data 's integrity calling into question its ethical and or lawful retaining of the very conditional privilege to report complete, true, accurate, physically proven data. THIS OFFICIAL CONSUMER COMPLAINT is my compliance-based contesting of the accusers reporting privilege related to any negativity accused versus me. In this, accept my challenging of you and or the reporter for proof of adequate confirmed reporting process including the mandatorily utilized XXXX XXXX format. CLEARLY INACCURACIES CANT BE CERTIFIABLY COMPLIANT!
Please remove all disputed claims.
XXXX XXXX XXXX XXXX Portfolio Type Detail : Reason : XXXX Account Type : Reason : MISSING INFO XXXX Credit Limit : Reason : Questionable XXXX Highest Credit/Original Loan Amount Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING XXXX Scheduled Monthly Payment Amount : Reason : MISSING INFO XXXX Account Status : Reason : XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : MISSING INFO XXXX & XXXX ECOA Code : Reason : XXXX Data Furnisher XXXX Portfolio Type Detail : Reason : XXXX Account Type : Reason : XXXX Credit Limit : Reason : MISSING INFO XXXX Terms Duration : Reason : XXXX Scheduled Monthly Payment Amount : Reason : MISSING INFO XXXX Account Status : Reason : NOT ACCURATE XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : XXXX & XXXX XXXX XXXX : Reason : XXXX XXXX XXXX SOLUTIONS IN # XXXX XXXX XXXX Type Detail : Reason : XXXX Account Type : Reason : MISSING INFO XXXX Credit Limit : Reason : XXXX Highest Credit/Original Loan Amount Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : MISSING INFO XXXX & XXXX XXXX Code : Reason : XXXX Data Furnisher XXXX XXXX XXXX XXXX Type Detail : Reason : XXXX Account Type : Reason : XXXX Credit Limit : Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING INFO XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : NOT ACCURATE XXXX Comments : Reason : XXXX Compliance Condition Code : Reason : XXXX & XXXX XXXX XXXX : Reason : XXXX XXXX XXXX # XXXX XXXX XXXX Type Detail : Reason : XXXX Account Type : Reason : XXXX Credit Limit : Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING INFO XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : NOT ACCURATE XXXX Comments : Reason : FRAUDULENT ACCOUNT XXXX Compliance Condition Code : Reason : XXXX & XXXX XXXX XXXX : Reason : XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Portfolio Type Detail : Reason : XXXX Account Type : Reason : XXXX Credit Limit : Reason : MISSING INFO XXXX Terms Duration : Reason : MISSING INFO XXXX Scheduled Monthly Payment Amount : Reason : XXXX Account Status : Reason : NOT ACCURATE XXXX Comments : Reason : FRAUDULENT ACCOUNT XXXX Compliance Condition Code : Reason : XXXX & XXXX XXXX XXXX : Reason :
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| 08/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX and I am a natural human. I have filed this vase based on my belief based on research.
1. ( FACT ) The following entities listed below have and continue to violate the Federal laws, that have grant me, by the Fair Credit Reporting Act and Fair Debt Collection Practices. I have dealt in good faith to this present and to no avail. The following entities have refuse to correct the blatant and obvious errors on my credit report, as required by the following Federal 15 USC codes : TRANSUNION, XXXX, XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. ( FACT ) 1681 ( a ) ( 4 ) & B1681b ( a ) ( 2 ) Accuracy and fairness of credit reporting There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( FACT ) 1681b ( a ) ( 2 ) ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
3. ( FACT ) 1681i ( 2 ) ( A ) & ( B ) ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the Affidavit Page 2 of 5nmanner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
4. ( FACT ) 1681i ( 2 ) ( B ) ( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
5. ( FACT ) 1681c ( a ) & ( 5 ) ( a ) INFORMATION EXCLUDED FROM CONSUMER REPORTS Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
6. ( FACT ) 1681s-2 ( a ) ( b ) ( i ) ( ii ) ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
7. ( FACT ) 1692b ( 2 ) ( 5 ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall 2 ) not state that such consumer owes any debt ; ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. The Debt collector verbiage is offensive to me and makes me very upset and Affidavit Page 3 of 5 drives my XXXX XXXX up.. I am offended that this debt hasnt been removed and I have received documents that are clearly altered and edited. In my belief and based on documents I received.
8. ( FACT ) 1692C ( A ) ( A ) COMMUNICATION WITH THE CONSUMER GENERALLY. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of a Debt.
9. ( FACT ) 1692D ( 2 ) A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
The language is offensive, Debt Collector, balance amount due are very offensive, when my request for a investigation and validation has not been conducted as set forth by Federal law.
The entities have oppressed my financially and harmed my quality of life. I feel worried and depressed when I check the mail or every time my phone rings. They have continuously abused my rights for over a year now, by not correcting the errors that I have documented time and time again. The financial hardship and XXXX created by the continuous certified mailing to all parties involved. The cost of these mailings has a large financial commitment attached to them.
9. ( FACT ) 1681n ( a ) ( 1 ) Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than $ XXXX.nAffidavit Page 4 of 5 10. ( FACT ) Improper investigation and/or no investigation conducted as prescribed by the following terms of investigation.
1681 ( a ) ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
All entities involved have stated several times that the account ( s ) have been verified, validated and investigated. Yet based on the credit reports, all data must be 100 percent accurate or be removed. The credit reports differ and has information between all 3 reports, that are completely different. ( Drastically different ) See attached credit report.
11. ( FACT ) Public Law 104 - 191 - Health Insurance Portability and Accountability Act of 1996.
Medical providers and Collection agencies, have failed to comply with the Federal laws and protection provided to me and has disclosed my medical history/ to the general public, as a whole.
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| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Subject : Complaint Regarding Inaccurate Personal Information on Credit Report Dear Sir/Madam, I am writing to file a formal complaint against Trans Union , XXXX, XXXX, XXXX XXXX XXXX and their subsidiaries XXXX XXXX ( XXXX XXXX XXXX, XXXX, DE XXXX - ACCT : XXXX ) ( XXXX XXXXXXXX ) and XXXX ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, DE XXXX - ACCT : XXXX ) ( Paid - {$0.00} Balance ), as well as the unauthorized third party agency XXXX XXXX XXXX XXXX XXXX and other unknown third party agencies, regarding the inaccurate personal information that they have reported on my credit report. I believe that their negligent reporting has resulted in significant harm to my financial reputation and has hindered my ability to access credit on fair terms.
Upon reviewing a copy of my credit report recently obtained from TransUnion, XXXX, and XXXX, I was deeply disappointed to discover numerous errors and inaccuracies within the personal information section. These inaccuracies include incorrect addresses, outdated employment information, and erroneous account details. Naturally, I am deeply concerned about the potential impact these inaccuracies may have on my creditworthiness and overall financial standing.
Moreover, according to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency is permitted to include any adverse item of information, except for records of convictions of crimes that antedate the report by more than seven years. The inclusion of such inaccurate information in their reporting clearly violates this provision.
It is evident that TransUnion, XXXX, and XXXX have failed to adhere to their obligation under the Fair Credit Reporting Act ( FCRA ) to provide accurate and up-to-date information. I have already brought these inaccuracies to the attention of TransUnion, XXXX, and XXXX, but I have received no responses for 45 days or more, which is both concerning and unacceptable.
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) has continue to damage my credit score with TransUnion, XXXX, and XXXX by refusing to remove a paid and closed account from my credit report, and has therefore caused me economic hardship.
I have formally given XXXX verbal notice, that I will exercise the rights bestowed upon me as a federally protected consumer by the Fair Credit Reporting Act ( FCRA ). As outlined in 15 USC 6802, I am hereby opting out of any and all authorizations, whether conveyed through written or unwritten means, verbally or non-verbally.
In addition, according to 15 U.S. Code 1681s2 ( A ) ( 1 ), it is unlawful to furnish inaccurate information about a consumer to a consumer reporting agency if the person providing the information knows or has reasonable cause to believe it is inaccurate. Additionally, 15 U.S. Code 1681e mandates that consumer reporting agencies maintain reasonable procedures to avoid violations of section 1681c and to limit the furnishing of consumer reports to the purposes specified under section 1681b. TransUnion, XXXX and XXXX have failed to uphold these reasonable procedures.
Furthermore, In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), consumer reporting agencies such as TransUnion, XXXX and XXXX are required to handle their responsibilities with fairness, impartiality, and respect for consumers ' right to privacy. As a consumer, I have the right to ensure the non-disclosure of my private information, as supported by 15 USC 6801, which states that financial institutions have an ongoing obligation to protect customer privacy and the security of their nonpublic personal information.
Also, XXXX XXXX XXXX XXXXXXXX XXXX - Address : XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX unlawfully contribute to disseminating my private information without sufficient notices. 15 USC 6802 ( b ) ( c ) specifies that a financial institution, can not disclose nonpublic personal information to a non affiliated third party without providing an explanation of how the consumer can exercise their nondisclosure option. The Furnisher failed to inform me of my right to exercise this option. And sold my personal information to a third party without notice verbal or written notice Additionally, in consideration to accounts, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXXXXXX XXXX XXXX they are both in violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ). This specifically includes : Subsection ( b ) under Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
Furthermore, XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ; ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a non-affiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this titleXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXXXXXX has not furnished me with an OPT OUT notice before adding anything positive or negative to my consumer report.
I must emphasize that there are multiple errors throughout my credit report from all three credit bureaus, and it is my right, as protected by fair credit reporting laws, to have these accounts reported accurately. I have taken proactive measures to ensure the accuracy of my credit report, including regular monitoring of my financial activity, promptly addressing any concerns, and maintaining good credit habits. However, it appears that TransUnion, XXXX, and XXXX have failed to fulfill their obligations in this regard.
Therefore, I kindly request the intervention of the Consumer Financial Protection Bureau in this matter to promptly rectify the situation. Specifically, I am requesting the following actions : 1 ) Review the enclosed copies of relevant documents, including my credit report highlighting the inaccuracies.
2 ) Investigate Trans Union 's, XXXX 's, and XXXX 's reporting practices and ensure compliance with the FCRA.
3 ) Promptly correct the inaccuracies in my credit report and notify me of the corrections made.
4 ) Take appropriate measures to prevent future instances of inaccurate reporting by TransUnion 's, XXXXXXXX XXXX, and XXXX XXXX
5 ) Investigate the XXXX XXXX XXXX XXXX XXXX unfair or deceptive acts or practices, as well as their continued negligence with regard to consumer privacy.
I want both of these reported accounts deleted of my report for inaccurate reporting under FCRA and violation of the Privacy Act of 1974, as all information reported must be 100 % accurate and properly disclosed ; and as part of their settlement XXXX XXXX is required to make restitution for this violation.
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| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Received unsolicited financial product or insurance offers after opting out
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Web |
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Transunion is not an affiliate of XXXX XXXX and therefore is a third party that makes profits from the sell of my information from XXXX XXXX. By law Transunion and XXXX XXXX should provide me notices to opt out of my private financial information being shared. I have not received such notice. Transunion is not just a credit bureau but a financial institution by definition provided under the XXXX which means they make a financial gain from the sell of my information. This means there should be accounting records to prove the accuracy of the transaction. Since this is my financial and personal information being sold I am requesting the accounting records from XXXX XXXX and Transunion immediately to view for accuracy.
XXXX Delivering privacy and opt out notices.
Regulation P XXXX ( i ) ( XXXX ) ( a ) How to provide notices. You must provide any privacy notices and opt out notices, including short-form initial notices, that this part requires so that each consumer can reasonably be expected to receive actual notice in writing or, if the consumer agrees, electronically.
( b ) ( XXXX ) Examples of reasonable expectation of actual notice. You XXXX reasonably expect that a consumer will receive actual notice if you : ( i ) Hand-deliver a printed copy of the notice to the consumer ; ( ii ) Mail a printed copy of the notice to the last known address of the consumer ; ( iii ) For the consumer who conducts transactions electronically : ( A ) In the case of financial institutions other than those described in XXXX ( l ) ( XXXX ) of this part, post the notice on the electronic site and require the consumer to acknowledge receipt of the notice as a necessary step to obtaining a particular financial product or service; or ( B ) In the case of financial institutions described in XXXX ( l ) ( XXXX ), clearly and conspicuously post the notice on the electronic site and require the consumer to acknowledge receipt of the notice as a necessary step to obtaining a particular financial product or service; ( XXXX ) For an isolated transaction with the consumer, such as an ATM transaction, post the notice on the ATM screen and require the consumer to acknowledge receipt of the notice as a necessary step to obtaining the particular financial product or service.
( XXXX ) Examples of unreasonable expectation of actual notice. You XXXX not, however, reasonably expect that a consumer will receive actual notice of your privacy policies and practices if you : ( i ) Only post a sign in your branch or office or generally publish advertisements of your privacy policies and practices; or ( ii ) Send the notice via electronic mail to a consumer who does not obtain a financial product or service from you electronically.
( c ) XXXX notices only. You XXXX reasonably expect that a customer will receive actual notice of your annual privacy notice if : ( XXXX ) The customer uses your website to access financial products and services electronically and agrees to receive notices at the website, and you post your current privacy notice continuously in a clear and conspicuous manner on the website; or ( XXXX ) The customer has requested that you refrain from sending any information regarding the customer relationship, and your current privacy notice remains available to the customer upon request.
( d ) Oral description of notice insufficient. You XXXX not provide any notice required by this part solely by orally explaining the notice, either in person or over the telephone.
( XXXX ) XXXX or accessibility of notices for customers.
( XXXX ) For customers only, you must provide the initial notice required by XXXX ( a ) ( XXXX ), the annual notice required by XXXX ( a ), and the revised notice required by XXXX so that the customer can retain them or obtain them later in writing or, if the customer agrees, electronically.
( XXXX ) Examples of retention or accessibility. You provide a privacy notice to the customer so that the customer can retain it or obtain it later if you : ( i ) Hand-deliver a printed copy of the notice to the customer ; ( ii ) Mail a printed copy of the notice to the last known address of the customer, or, in the case of credit unions, mail a printed copy of the notice to the last known address of the customer upon request of the customer; or ( iii ) Make your current privacy notice available on a Web site ( or a link to another Web site ) for the customer who obtains a financial product or service electronically and agrees to receive the notice at the Web site.
( f ) Joint notice with other financial institutions. You XXXX provide a joint notice from you and XXXX or more of your affiliates or other financial institutions, as identified in the notice, as long as the notice is accurate with respect to you and the other institutions.
( g ) Joint relationships in the case of financial institutions other than credit unions and covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( g ), you is limited to financial institutions other than credit unions and the financial institutions described in XXXX ( l ) ( XXXX ). If XXXX or more consumers jointly obtain a financial product or service from you, you XXXX satisfy the initial, annual, and revised notice requirements of XXXX ( a ), XXXX ( a ), and XXXX ( a ), respectively, by providing XXXX notice to those consumers jointly.
( h ) Joint relationships in the case of covered entities subject to FTC enforcement jurisdiction. For purposes of this paragraph ( h ), you is limited to the financial institutions described in XXXX ( l ) ( XXXX ). If XXXX or more consumers jointly obtain a financial product or service from you, you XXXX satisfy the initial, annual, and revised notice requirements of XXXX ( a ), XXXX ( a ), and XXXX ( a ) by providing XXXX notice to those consumers jointly, unless XXXX or more of those consumers requests separate notices.
( i ) Joint relationships in the case of credit unions.
( XXXX ) If XXXX or more consumers jointly obtain a financial product or service, other than a loan, from a XXXX XXXX, the XXXX XXXX XXXX satisfy the requirements of XXXX ( a ) by providing XXXX initial notice to those consumers jointly.
( XXXX ) Special rule for loans in the case of credit unions.
( i ) A credit union is required to provide an initial notice to a borrower or guarantor on a loan if the XXXX XXXX shares his or her nonpublic personal information with nonaffiliated third parties other than for purposes under XXXX, XXXX, and XXXX.
( ii ) A credit union XXXX satisfy the annual notice requirements of XXXX by providing XXXX notice to those borrowers and guarantors jointly.
( XXXX ) Customer information of a financial institution The term customer information of a financial institution means any information maintained by or for a financial institution which is derived from the relationship between the financial institution and a customer of the financial institution and is identified with the customer.
( XXXX ) Financial institution ( A ) In general The term financial institution means any institution engaged in the business of providing financial services to customers who maintain a credit, deposit, trust, or other financial account or relationship with the institution.
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| 01/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I want to file a formal complaint against all three credit reporting agencies, XXXX, XXXX, and Transunion for inaccurate reporting, failure to fully investigate disputes, and believing that they have violated my rights in accordance with the FCRA. I am also filing a complaint against XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ( XXXX ) for inaccurate reporting and lack of timely response to debt validation request. XXXX XXXX XXXX continues to report inaccurate information to my credit report as the true balance is {$0.00} due to the account being paid in full to the original creditor but XXXX XXXX continues to report a balance of {$1000.00}. The three CRAs have continued to allow such inaccurate information to be reported as evidenced by constantly labeling my disputes as verified that this item has been reported correctly.
Initially, in XXXX of XXXX, I contacted XXXX XXXX directly regarding a collection account that was discovered upon checking my credit report. I informed them that there was a collection account noted on my Transunion report in the amount of {$1000.00} with their name/contact information. I spoke with a representative and acknowledged that I had no knowledge of the alleged debt and did not know who they are. At that time, I informed him that I wanted information regarding the debt so that I am fully informed, therefore requested validation of the debt in writing to my current address noted above. I waited patiently for the validation of this debt, but there was no response from XXXX XXXX XXXX. In fact, in XX/XX/XXXX ( please see attached screenshot ) the collection account was removed from my credit report because XXXX XXXX failed to validate the debt. However, on XX/XX/XXXX, XXXX XXXX sent a utility bill from XXXX XXXX ( documentation attached ) in an attempt to validate this debt. Clearly, the debt was not fully validated and I even reached out to XXXX XXXX directly. Needless to say, I never received additional information regarding validation of this debt.
Additionally, in XXXX of XXXX, XXXX XXXX XXXX added this collection account back to all three of my credit reports. However, XXXX, XXXX, and Transition failed to notify me ( via call or in writing ) that this account was being added back to my report. I am a little confused, is this not a violation? What happened to the 5 day rule of me being notified of an item being re-inserted on my credit reports? As a result of this collection account being re-inserted to my credit reports, I was denied a home loan as I was in the process of a pre-approval with a lender. This was very devastating for me and my family.
I made several attempts to resolve this issue with XXXX XXXX XXXX ; however, they were being very unreasonable and made every effort to continue to collect on this alleged debt and another debt from XXXX with promises to remove the account from my credit report if I pay off BOTH accounts in full. I spoke with XXXX at XXXX XXXX XXXX at this time.
Therefore, on XX/XX/XXXX, I reached out to the original creditor ( XXXX XXXX ) directly. I spoke with a representative and explained that I believe I do not owe any money on this account as this was an address that was shared with my mother, sister, and oldest daughter. I explained that we all have the same last and similar names. At this point, I was basically in tears on the phone and because I was tired of dealing with this and desperately wanted so badly to be able to qualify for a home, I paid the debt so that my credit report would not have any current delinquencies reflecting a balance. The payment had to be broken down into 2 payments because the system can not take over {$1000.00} at a time ( per the representative reports ), so I made a {$1000.00} and {$22.00} payment. At that time, XXXX XXXX assured me that they would inform the collection agency ( XXXX XXXX XXXX XXXX ) that they no longer have ownership/transfer of the debt as it has been PAID IN FULL and to cease all collection efforts.
Moreover, XXXX XXXX XXXX XXXX updated my credit reports with only a {$23.00} payment credit. Therefore, across all three credit reports ( XXXX, XXXX, TransUnion ), this collection account continues to be listed as delinquent with a past due balance of {$1000.00}. Given the latter, I have reached out to the credit bureaus, more specifically by filing multiple disputes in an effort to remove the inaccurate account from my credit report, explaining that the Balance is incorrect as it's reporting. I have sent multiple disputes to XXXX, XXXX, and Transunion to make them aware that XXXX XXXX continues to report inaccurate information to my credit reports. However, the credit bureaus continue to respond to my disputes by stating that your dispute results have verified that this item has been reported correctly. I have even gone as far as requesting their method of verification with my last dispute, dated XX/XX/XXXX requesting that they notify me on how this information was requested/obtained to verify this information? Who did they talk to directly? Again, all three credit bureaus failed to conduct an independent and reasonable investigation of my disputes to ensure the validity of the debt and honesty/integrity of this collection agency/account. I was NOT provided with their method of verification as requested, but rather another generic response of the dispute item was verified as accurate. This leads me to believe that the credit bureaus did NOT do a complete and thorough investigation because I provided CLEAR proof of payment ( please see my bank statement attached ) to prove that the disputed account balance has been paid in full to the original creditor on XX/XX/XXXX. Instead the collection agency has continued to report an incorrect balance and the credit bureaus continue to verify this inaccurate information, in turn further negatively impacting my credit profile and scores causing my financial standing to look poorer than it really is. I feel that this is an utter disgrace on ALL parties.
Thus, this is my formal complaint that XXXX, XXXX, and Transunion have falsely certified the accuracy of this account as the balance is incorrect and they were provided with proof to support my dispute of the balance being reported incorrectly. Therefore, they have failed to fulfill their duties, in return, violating my rights in accordance with the FCRA. This is unacceptable and very disappointing. Consequently, I have resulted in this formal complaint in hopes that the CFPB can assist in this matter so that I can receive a truer and accurate investigation of my disputes to help get resolution to this frustrating issue as these companies have caused and continue to cause me nothing but stress and hassle. Given the numerous violations and blatant disregard to do their job, I would like for this collection account to be DELETED/REMOVED from my XXXX, XXXX, and Transunion credit report so that I can move on with my life and continue to work towards reaching my financial dreams and goals. The presence of this inaccurate collection account as reported is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate your assistance in this matter.
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| 12/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrectAlso Known As XXXX XXXX XXXXXXXX. The following personal information is incorrectAlso Known As : XXXX XXXX. The following personal information is incorrectAlso Known As : XXXX XXXX. The following personal information is incorrectEmployers : XXXX XXXX XXXX. Identity TheftXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity ThefXXXX XXXXXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity ThefXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity ThefXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXX XXXXXXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXDate of inquiry : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXAccount Number : XXXXThis is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.XXXX. Identity TheftXXXX XXXXXXXX XXXXAccount Number : XXXX
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| 04/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am sending this as a formal complaint, I have disputed several times information that is reporting on my credit report incorrectly and made several requests that the information be updated corrected or removed. To date every time I the owner of the credit report advise you that the information you have is incorrect you claim to verify the info and I have proven several times that you in fact are not verifying this information but getting outdated information from third party sources. Even creditors are advising that they are not giving the agency this information XXXX XXXX reponse is an attachment ). Per laws set forth by the government debts that are discharged in bankruptcy can't show anything else such as any balance still owed, in collections, delinquent, charge-off, or any other negative information. Again, to reiterate, any debt that has been discharged in bankruptcy can only show XXXX balance-discharged in bankruptcy. If anything else appears on that particular trade line, especially if it is derogatory information, then that violates the requirements of the FCRA. Under the FCRA your agency is in violation if it fails to notify a business/creditor that I dispute the information at hand as well as failing to investigate, It is your duty to notify every creditor involved of my dispute, refrain from continuing to submit information that it knows ( or should know ) is incorrect. Modify the information, delete it, or permanently block its reporting if the information turns out to be inaccurate or incomplete or cant be verified. FCRA 623 ( b ) ( 1 ) Complete the dispute within 30 days unless I provide more information, we are 3 rounds in and far past the 30 day mark. ( and the " verified info '' is still incorrect ) 30 days after the CRA gets the dispute from the consumer. If the CONSUMER provides additional relevant information during the 30day period, the CRA has 15 more days to resolve the dispute. I DID NOT PROVIDE ANY ADDITIONAL INFO IN THE 30 DAY PERIOD I DID FILE A COMPLAINT after my 30 days IN WHICH YOU REQUESTED MORE TIME, and then an additional dispute even though you'd claimed in previous correspondence the dispute was completed. If it had in fact been fully verified you would not have needed to reopen additional disputes nor would accounts have been updated on my report from good standing to bad and then after my complaint back to good ( XXXX XXXX as an example ). Even the inquiries on my report it is your duty and noted in the law CRAs can not release your credit report to just anybody. They can only give them to authorized persons. CRAs may disclose your report only to persons or entities that have a valid need, such as creditors, landlord, insurance providers, utility companies, and, employers ( only if I previously consented ). Authorized means I gave permission and I have advised several times that I did not consent and put a freeze on my report which you placed a 7 year extended fraud alert that I did not request ( most of my problems are with a breach of information from your agency in the first breach ). It is also illegal for creditors to pull your Credit Report for an Impermissible Purpose such as a creditor on a debt you discharged in bankruptcy pulls your credit report to check out your current financial activity. As well as reporting mixed files I am an identical twin and I have reported numerous times that the info provided is that of my twin sister, These are willful and negligent violations of the FCRA and there are several consequences for the companies and the CRA 's who refuse to follow these laws. I have obtained as much proof as possible that my rights are being violated and this agency is not doing what they are mandated to do by law and I have given them several opportunities to get it correct. And I never requested dispute comments be added to my report I have requested they be removed several times.
The accounts that need to be reviewed and deleted because they have failed to follow the laws set forth by government and it is deemed to be unverifiable because no correct information has been updated or reported since I started this process are as follows : XXXX XXXX XXXX XXXX XXXX reporting unrated with a negative payment history and dispute comments XXXX- Charge off with negative payment history and dispute comment XXXX- Charge off with negative history and dispute comment XXXX- charge off negative history and dispute comment XXXX- charge off with history and dispute comment XXXX XXXX unrated and dispute comment XXXX XXXX Charge off and History and dispute comment XXXX- paid never late not included in bankruptcy, they can not be discharged in bk.
XXXX Never late XXXX- there are 3 accounts on my report XXXX has confirmed you are reporting incorrectly even though your CRA states they confirmed this info with you.
Transunion XXXX XXXX XXXX XXXX reporting unrated with a negative payment history and dispute comments XXXX- Charge off with negative payment history and dispute comment XXXX- Charge off with negative history and dispute comment XXXX- charge off negative history and dispute comment XXXX- charge off with history and dispute comment XXXX- charge off and dispute comment XXXX- Reported XX/XX/XXXXnegative I have never ever been late, not included in XXXX XXXX- Never Late XXXX XXXX XXXX XXXXXXXX XXXX reporting charge off with a negative payment history and dispute comments XXXX- Charge off with negative payment history and dispute comment XXXX- Charge off with negative history and dispute comment XXXX- charge off negative history and dispute comment XXXX- charge off with history and dispute comment XXXX- charge off, negative history and dispute comment XXXX- Reported XX/XX/XXXX negative I have never ever been late, not included in XXXX XXXX- Never Late Harvesters- charge off negative history, dispute comment XXXX XXXX charge off , negative history, dispute comment XXXX- negative payment history, open and reporting Inquiries - XXXX XXXX pulled my credit- XX/XX/XXXX after bk to check my financial standing I did not authorize XXXX XXXX XX/XX/XXXX Never heard of them I did not authorize, I am not looking for a car.
XXXX/XXXX- I did not authorize XXXX- I did not authorize XXXX/XXXX XXXX- Pulled my credit to check my financial status after bk they were included in my discharge XXXX- I did not authorize I just recently got a card with XXXX XXXX XXXX and XXXX Did not auhorize .
XXXX XXXX XXXX XX/XX/XXXX did not authorize XXXX XXXX XX/XX/XXXX no account until XX/XX/XXXX did not authorize XXXX XXXX- XX/XX/XXXX did not authorize XXXX XXXX - XX/XX/XXXX they were included in bankruptcy and prying in on my financials XXXX- Never authorized, I have cable XXXX/XXXX- Never authorized XXXX XXXX never authorized THE 7 YEAR FRAUD ALERT NEEDS TO BE REMOVED, I did not request this I requested a freeze.
Names XXXXXXXX XXXX XXXX XXXXXXXX is not my name clearly thats a mix of several names, XXXX XXXX XXXX is also incorrect, my only correct name is XXXX XXXX XXXX.
I have never resided at XXXX XXXX XXXX, that is my sisters address we are twins.
I have never resided at XXXX XXXX XXXX that is my husbands family we share the same last name.
I have never resided at XXXX XXXX XXXX, that is my sisters address we are twins.
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| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This is an ongoing dispute that XXXX continues to report on my personal consumer report while two accounts belong only to a business. This a complete violation of my consumer rights and it is unacceptable for them to continue to report to my consumer report inaccurately. Here are my letters explaining the violations. I have also added these letters to the online dispute to each credit reporting agency.
I have recently tried repeatedly to dispute two accounts that are being reported from XXXX in which is known to be XXXX XXXX XXXX bank. There are two accounts reporting that are completely business accounts and that have also been settled. Please note that these are BUSINESS ACCOUNTS! XXXX XXXX XXXX Bank is reporting these accounts on my personal credit as paid settled debts to continue to willfully defame my character on my credit report.
" A business '' is the owner of two accounts ending in XXXX and XXXX ( please see attached document showing paid settlement agreement ). Account ending in XXXX was paid and settled with " a business '' on XX/XX/2022 in the amount of {$3500.00}. Account ending in XXXX was also paid and settled with " the business '' on XX/XX/2022 in the amount of {$2400.00}. Please notice that my name is nowhere on this account as a responsible party or on the paid settlement documents.
XXXX XXXX XXXX Bank has reported to the CFPB that they have listened to a recording, which I am sure does not say that I agree to be the responsible party to either of these accounts. All verifications are supposed to be an original document in writing with my signature to be considered verified! Please see all violations that have occurred regarding these accounts on my consumer report.
This notice is to state that XXXX is in violation of several consumer right laws.
1. In pursuant of 15USC 1681a ( 1 ) I have the right to accurate and fair credit reporting!! These accounts are not reporting accurately nor are they reporting fairly on my consumer report. According to the FCRA 611 ( A ) ( 1 ) the credit reporting agencies are supposed to respond to my disputes within 30 days with PROOF OF ACCURACIES WITH SIGNATURES and so far, I have only seen that my consumer report has been updated several times only based on a response from XXXX that was not in writing, nor was I provided the acceptable proof needed for either account. This violation is also based on FCRA 605 ( c ), the running of the reporting period that is occurring on these accounts. These accounts are now re-aging each time based on the last activity XXXX is reporting, again, INNACCURATELY to the credit agencies!! This is being done willfully to defame my character and to keep my consumer report at a very low score interfering with my ability to pursue a loan or anything else I would like to do in the future. Based on 15USC1681 ( a ) ( 4 ), consumer reporting agencies need to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy and 15USC1681 ( b ), consumer agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. I demand these accounts to be removed from my consumer report and blocked during the investigation period and thereafter as well, unless there is sufficient written proof that I am responsible for these accounts in any way provided to me. At this time, that proof has not been provided to me nor the credit agencies because no such proof exists! Please note, AGAIN, that attached are letters of PAID SETTLEMENT CONFIRMATIONS that came directly from XXXX XXXX XXXX BANK addressed to " the business '' for both accounts.
2. Furthermore, these accounts are also reporting very differently on each of the credit agency reports at the time I pulled them. This is likely the reason XXXX has been updating the reports recently still inaccurately. They are still not consistent with each credit reporting agency. For this reason, as well, both accounts should be deleted and blocked from reporting on my consumer report again. Please note that this is also a violation of 15USC 1681a ( 1 ) stating that my consumer report should be accurate at all times since the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system. For this reason, reporting inaccurate information on my consumer report makes it difficult for me to obtain future loans. This is clearly unfair. I have said this each time that Ive called the credit agencies as well as XXXX and have gotten nowhere. This is UNFAIR to me as a consumer! I am now stating this in writing! This will also be sent to the CFPB as well as the NC Attorney General.
3. If inaccurate reports from XXXX and the credit agencies willfully continue to report inaccurate account information for these two accounts with XXXX ( accts ending in XXXX & XXXX ) on my consumer report, I will be pursuing litigation seeking relief and monetary damages that I may be entitled to under FCRA Section 616 & Section 617. These accounts must be deleted immediately. A copy of this letter as well as copies of the paid debt settlement letters for each account, the inconsistent report details on my consumer reports, as well as the CFPB complaint filed and unsatisfactory response from XXXX XXXX XXXX BANK will all become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with the demand to provide proof of accuracy for these accounts on my consumer report. Despite several calls and online disputes to the credit reporting agencies, the unverified items still remain on my credit report in violation of Federal Law beyond the 30-day investigation period resulting in my requesting a 3rd investigation in attempt to dispute the inaccurate information. You are required by federal law to have a copy of the original creditors documentation on file to verify that this information is mine and correct. In the results of the investigations of my disputes, you stated in writing that you verified that the accounts are being reported correctly. If XXXX reported that to you, where is the original signed documentation you received from XXXX as verification? You have not provided me with a copy of ANY documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA, you are required to PROMPTLY DELETE all information which can not be verified from my consumer report!
The Law is very clear as to the Civil liability and the remedy available to me ( Section 616 and 617 ) if you fail to comply with federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
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| 10/02/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof.
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The following items need to be removed and blocked as they are fraudulent.
XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. Code 1681XXXX - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.
XXXX. The following personal information is incorrect Account Number : DATE OF BIRTH : XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. XXXX XXXX XXXX XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS UNIQUE MOTOR Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS V I P MORTGA Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX MOT Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
|
| 10/23/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately : UNAUTHORIZED INQUIRIES REMOVED THEM XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XX/XX/XXXX : XXXX XX/XX/XXXX : done XXXX XXXX XXXX XX/XX/XXXX : XXXX XXXX XX/XX/XXXX : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX : In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX, Untitled {, Collection/Chargeoff, Consumer disputes- reinvestigation in progress Consumer disputes this account information Subject has not satisfied debt. } Account Name : Account # : XXXX, Untitled {, Collection/Chargeoff, Consumer disputes- reinvestigation in progress Consumer disputes this account information Subject has not satisfied debt. } Account Name : Account # : XXXX, have violated my rights.
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| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
XXXX. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 05/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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The company has several misleading information, along with valid proof that theyve submitted proving that they do not indeed have original copies of any encounter that may have taken place with me. The company had sent letters to me that I requested however these are indeed forged fraudulent documents. In these documents they are suggesting that these are original copies with the correct information, the same information that theyve forwarded as their response to my claim which proves fraudulent information that was also sent to CFPB. Im going to break down how the information is indeed false using the information sent to me from them that was dated on XX/XX/XXXX, the response letter that was sent to CFPB as well as myself and the actual original contract that I have and have had some XX/XX/XXXX. This will prove not only did they forge documents, creating a lie about whats actually owed including changing the number of payments, payment amount, finance charge, amount financed, total of payment, total sale price, payments that were made and the correct amount that was made each time. For that portion, Im still working with XXXX XXXX which is the institute I was banking with at that time to grant me records to also prove that what was being paid is well over what was stated on the forged documents that were presented to me. Lastly, the company mentioned that I completed this transaction in person and singed documents via electronic signature. This is also invalid! Its a well known fact that any company using electronic signatures has to provide a verification code with that signature as this will prove authenticity of the forms and the date of its approval. As the company has stated in several documents that theyve presented, the encounter took place on XX/XX/XXXX. Ironically enough, theres a lot of missing information and unverified I formation on that last page that the company is stating I signed, starting with the signature. One, I did not sign electronically, two, theres no date next to my name nor was there a area to sign and print, just sign which was ironically done on a computer with no verification. Next, as I mentioned, the company did not provide a signature verification proving that I signed any documents electronically. The company did however list a code and date on the bottom of their documents that do not appear on the bottom of my documents. This document is the XXXX with a date of XX/XX/XXXX. Three year before I would even step foot anywhere near a XXXX, let alone step food in Texas.
At the top of this document it has the code numbers XXXX which is indeed at the top left hand corner of my documents however, in my documents the numbers arent cut off as they are in the documents that were sent to me by said company bringing more suspicion to these forms, leading me to believe even more that these forms were indeed forged and that contract was taken from someone elses account, the information was replaced with my name and number were made up and placed in to try and proved verification of debt.
On their said document which would be the Federal Truth In Lending Disclosure that I requested, their document which is supposed to be the identical page of the original has different font and size from the document I have, the name of the form was changed from Federal Truth In Lending Disclosure to Simple Interest Retail Installment Contract. Again, if this is indeed a copy of the original when did the title, font, sizing of the letters, cut of of the numbers in the upper corner and new mysterious code and date in the lower corner, change or come into effect?
Moving on the pricing, payments and dates issue. In that area, the only thing that was listed and matched the forms I have possession of would be the Annual Percentage Rate of 16.028 % and the beginning of when payments were to be made which was XX/XX/XXXX. Every other number on the form they sent me after that was wrong!
On their form that was sent, they listed a Finance Charge of {$10000.00}, a Amount Financed of {$20000.00}, a Total of Payments of {$30000.00} and Total Sale Price including a {$1500.00} down payment totaling {$32000.00}. Its also mentioned on their forms that were sent, 136 payments for the amount of {$220.00} starting XX/XX/XXXX and 1 final payment of {$220.00} ending XX/XX/XXXX totaling 137 payments total. However, on the documents that I have In the original XXXX folder, on the original document I have Different numbers. The following information : Annual Percentage Rate 16.028 % Finance Charge {$10000.00} Amount Financed {$21000.00} Total of Payments {$32000.00} Total Sale Price {$1500.00} down payment {$33000.00}.
140 payments of {$220.00} beginning XX/XX/XXXX and 1 payment of {$220.00} ending XX/XX/XXXX totaling 141 payments.
Theres also something underneath the security of interest on their page that isnt on mine. So this leads me to believe that no only do they not have the original document, but that they forged a document and sent it to me and to the CFPB lying about the information that they supposedly have on me and thats just the start of it. If they could easy crest documents and lie about accounts, it leads me to believe that this issue is an ongoing issue and has been for years. Which also leads me to believe, Im not the only one theyve done this to and this is why I began to look into this more and reach out for further assistance with CFPB and other firms.
As I mentioned, I am working with the bank I had at that time to obtain records as theres a proven fact that the vehicle was paid down even more and higher amounts were paid to the company, not the random amounts they created on a ledger and sent to be. I also have original receipts, including one with faded information but still legible. Merchant ID XXXX Terminal ID XXXX Credit Card used XXXX XXXX Invoice XXXX Batch # XXXX Approval Code XXXX Entry Method Swiped Followed by a second receipt with a receipt number XXXX store number XXXX payment taken by XXXX although on the documents that were sent by said company, it had an electronic signature of someone named XXXX.
This brings me to another letter I requested be sent which was the Explanation of Surplus. The company is standing on their case that I owe them {$7500.00} after the car was sold off at auction. Now as I was able to provide proof that theyve lied about the numbers, they created fraudulent documents and they are claiming that this is whats still owed. If theyre able to lie and create forged documents, how am I to truly believe that this is my debt? How am I to believe that they sold the vehicle and only received a certain amount? How am I not to believe that they received more but never applied it all to the account but instead out of greed, decided to go after more. I do not believe that the statements shared by the company is accurate as theyve already proven to myself and the CFPB that their word can not be trusted, nor can their documents. I will Not drop this matter until this company does what is right, take accountability for their actions and their lies and remove this inaccurate information from off of my account or I will continue to dig deep into this issue revealing what I believe is a scam.
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| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Dear CFPB, To make things easier to follow or to find please print out the table of contents on page 501.
In my dealings with Trans Union while trying to fix my own credit these are multiple violations, errors and mishaps I have noticed, most stemming from my beginnings of trying to fix my own credit starting in XX/XX/2021. Furthermore, these violations are re-occurring each and every month that I dispute these accounts. How can this be allowed? All of these inaccuracies and violations are shown quite clearly from my XXXX XXXX Credit Reports dated XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021. These violations, errors and mishaps can also be seen in the investigation reports from Trans Union.
Furthermore, in each and every investigation report from Trans Union dated XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 and XX/XX/2021 Trans Union states on their report that We investigated the following information you disputed and updated. NOT SPECIFIED. This is how this item appears on your credit report following our investigation. First what is not specified, I told them and you can see by all my letters to delete this account for violation or inaccuracy, what is not specified, do they not know what delete means? Secondly, what has been updated? If you look at all the credit reports and all the investigation reports, all the accounts and their pertaining information is exactly the same in each report so what did they update? To me this is just a blatant attack and excuse for Trans Union not to do their work. How do they get away with this? Are they not being monitored and kept in check?
Finally what really got me upset and furious with Trans Union is when I received the investigation report dated XX/XX/2021 and noticed that they ( Trans Union ) went ahead without my knowledge and disputed my current bank mortgage account with XXXX XXXX ( its the first violation noted below ). What gives them the right to dispute an account I never told them to? Do they think they can do whatever they want, delete what accounts they want to delete and keep only the derogatory ones? This is beyond a shadow of a doubt a blatant and malicious attack on my credit, myself, my livelihood and my family. They can not get away with this and I wont let them. Are you really for the consumers then please help me rectify this now by deleting all of these accounts that I have been disputing since XX/XX/2021 and fine Trans Union heavenly.
The following list of accounts are what the below violations are in reference to and can be found within these accounts. Delete these accounts for multiple violations : DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3100.00} DEPTEDXXXX XXXX {$4000.00} DEPTEDXXXX XXXX {$2000.00} DEPTEDXXXX XXXX {$6000.00} DEPTEDXXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$5500.00} DEPTEDXXXX XXXX {$5200.00} DEPTEDXXXX XXXX {$1500.00} DEPTEDXXXX XXXX {$2000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX The following is a list of violations, errors and mishaps done by Trans Union : Maliciously and blatantly attacking my XXXXredit score and my livelihood by disputing an account that I NEVER asked to be disputed! See page 223 from Trans Union investigation report dated XX/XX/2021 : account XXXX XXXX account number # XXXX ) Failing to enter the required notice of dispute in the comment section. I am showing these in the below section pages 43 - 50, highlighted in gold.
Failing to complete or do an investigation by examining the date last reported date. I am showing these in the below pages 43 - 50, highlighted in yellow.
Failure to update or delete ( I chose delete ) inaccurate, incomplete, erroneous and just outright wrong data even after I pointed it out to them multiple times ( see Trans Union Investigations Reports dated XX/XX/XXXX pages 254 275, XX/XX/XXXXpages 245 253,XX/XX/XXXX pages 237 244, XX/XX/XXXX pages XXXX XXXX and XX/XX/2021.
Deleting positive accounts while leaving negative ones in my credit report. ( They deleted XXXX old XXXX XXXX accounts the were showing current and paid but left all the other ones that had late payments ). XXXX XXXX accounts can be seen on pages XXXX XXXX, XXXX XXXX and XXXX XXXX then those accounts are gone on pages XXXX XXXX from XXXX XXXX Report dated XX/XX/2021.
Missing new creditor or owner information on accounts that were transferred ( most of my old paid off student loans ) .I am showing these in the below pages XXXX - XXXX, highlighted in light orange 1.
Verifying accounts as accurate when there was never any investigation done and no I am not including E-Oscar as a legitimate investigation method. I am showing these in the below pages 43 - 50, highlighted in yellow.
Failing to provide method of verification and other documents when I asked for them to dispute with the original creditors see pages 51 - 54.
Failing to complete an investigation in the 30 day time frame ( this was more prevalent in the earlier months of XXXX and XX/XX/2021 ).
On my credit report there are some accounts that, seems to me, are under attack from the bureaus. I am referring to the credit cards where they dont put in any high credit value but rather state in the comment section XXXX is the limit. Is this a blatant and malicious attack on my credit score?
There are multiple date last active dates on some of the accounts see pages 43 - 50, highlighted in light indigo 2.
There are many many inaccuracies in my reports ranging from XXXX or XXXX different open dates all the way to having one month say its paid on time and the very next month be 90 days late ( see pages 43 50 highlighted with light yellow 2 ) plus a whole lot more that has been brought up to Trans Union by me in my disputes.
Reporting incorrect and inaccurate data / information even after I showed them all the errors in my numerous disputes ( this is seen on all my accounts listed below for example missing date of last payment highlighted in light gray 1, see all my letters on pages 4- 42 and 51-109.
Failing to re-investigate an account ( not by using E-Oscar ) when asked while providing new and relevant information. I had asked for an independent investigation but received the same results verified as accurate but the date last reported didnt show any change from previous date last reported. Enclosed please find a letter from XXXX XXXX where they state they received a XXXX digit code generated by E-Oscar from the bureaus asking to verify my information and account pages 115-121. Didnt Congress state in a lawsuit that E-Oscar isnt considered to be an in depth and thorough investigation?
Re-insertion of an account specifically the account of XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX see pages 4-8 and 110-114.
Ignoring investigation requests see pages 43-50 and 115-121.
Willfully and recklessly reporting false information after being told of the inaccurate and erroneous information and failing to investigate and/or correct or delete information see this whole document.
Thank you in advance for taking the time to read my complaint and for any help that you can offer me in this really frustrating and troubled time.
XXXX XXXX XXXX XXXX CC : Missouri Attorney General XXXX XXXX
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| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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All furnishers of consumer reports must comply with all applicable regulations, including regulations promulgated after this notice was first prescribed in XXXX Information about applicable regulations currently in effect can be found at the Consumer Financial Protection Bureau 's website, consumerfinance.gov/learnmore.
NOTICE TO FURNISHERS OF INFORMATION : OBLIGATIONS OF FURNISHERS UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C. 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance.
The text of the FCRA is set forth in full at the Bureau of Consumer Financial Protection 's website at consumerfinance.gov/learnmore. A list of the sections of the FCRA cross-referenced to the U.S. Code is at the end of this document.
Section 623 imposes the following duties : Accuracy Guidelines The banking and credit union regulators and the CFPB will promulgate guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. The regulations and guidelines issued by the CFPB will be available at consumerfinance.gov/learnmore when they are issued. Section 623 ( e ).
General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ).
Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ).
Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified by the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs.
Section 623 ( a ) ( 1 ) ( B ).
If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
Section 623 ( a ) ( 3 ).
The federal banking and credit union regulators and the CFPB will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Once these regulations are issued, furnishers must comply with them and complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a credit repair organization. The CFPB regulations will be available at consumerfinance.gov. Section 623 ( a ) ( 8 ).
Duties After Notice of Dispute from Consumer Reporting Agency If a CRA notifies a furnisher that a consumer disputes the completeness or accuracy of information provided by the furnisher, the furnisher has a duty to follow certain procedures. The furnisher must : Conduct an investigation and review all relevant information provided by the CRA, including information given to the CRA by the consumer. Sections 623 ( b ) ( 1 ) ( A ) and ( b ) ( 1 ) ( B ).
Report the results to the CRA that referred the dispute, and, if the investigation establishes that the information was, in fact, incomplete or inaccurate, report the results to all CRAs to which the furnisher provided the information that compile and maintain files on a nationwide basis. Sections 623 ( b ) ( 1 ) ( C ) and ( b ) ( 1 ) ( D ).
Complete the above steps within 30 days from the date the CRA receives the dispute ( or 45 days, if the consumer later provides relevant additional information to the CRA ). Section 623 ( b ) ( 2 ).
Promptly modify or delete the information, or block its reporting. Section 623 ( b ) ( 1 ) ( E ).
Subject : Urgent : Non-Compliance with FCRA Obligations and Unresponsiveness to Consumer Dispute Dear TransUnion Consumer Dispute Center, I am writing to express my serious concerns and frustration regarding the inaccurate and fraudulent information on my credit report, particularly related to the Private Student Loan account with the details below : - Company or Organization : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX - Date Fraud Began XXXX XXXX - Date Discovered : XXXX XXXX Total Fraudulent Amount : {$220.00} Despite numerous attempts to address this issue, including attaching a detailed identity theft report and photos illustrating my ignored attempts to communicate with XXXX XXXX, as well as providing evidence of five different emails specifically sent to TransUnion dating back to early XXXX, I have yet to receive any response from TransUnion.
It is imperative to highlight the following points : 1. **FCRA Obligations : ** - TransUnion is obligated under the Fair Credit Reporting Act ( FCRA ) to promptly investigate and respond to consumer disputes within 30 days.
2. **Non-Responsiveness : ** - Despite providing clear evidence of the inaccuracies and fraudulent reporting, I have not received any response from TransUnion , which is a blatant violation of federal law.
3. **Adverse Effects : ** - The continued negligence is adversely affecting me as a consumer, as well as hindering my ability to maintain accurate credit information.
I am left with several unanswered questions : - Why is TransUnion not following federal laws and responding to consumer disputes within the mandated timeframe?
- Is there a reason for the disregard of the evidence and the identity theft report attached to my dispute?
- Is there a possible collaboration between TransUnion and XXXX XXXX to maintain inaccurate information for their benefit?
I demand immediate attention to this matter and a thorough reevaluation of the disputed account. The failure to respond to my dispute and correct the inaccurate information is not only a violation of my rights as a consumer but also raises concerns about the integrity of the credit reporting system.
I am prepared to take further action to ensure my rights are upheld, including filing complaints with regulatory authorities. I expect TransUnion to fulfill its obligations under the FCRA and provide a prompt and meaningful response to my dispute.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX XXXX Phone number XXXX
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| 03/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Consumer Financial Protection Bureau, XXXX XXXX XXXX XXXX, Washington, XXXX XXXX.
o Whom it may Concern : I Pulled My credit report and I noticed That I am still a victim of ID theft and am continuing to suffer from inaccurate Information as a result of fraud : My privacy rights are being violated. I would like a Full file disclosurereport.
PLEASE BE ADVISED THAT IN accordance with fair Credit Reporting Act, all of the ACCOUNTS LISTED BELOW, has violated my federally protected consumer rights to privacy and confidentiality under 15. U.S.C 1681. THE MANY VARIOUS ADDRESSES, DIFFERENT SPELLINGS OF MY LEGAL NAME, EMPLOYMNNT HISTORY IS WRONG AND IN VIOLATION OF 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. IN 604 A SECTION 2 : STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT THE WRITTEN INSTRUCTIONS TO DO SO FROM THE CONSUMER.
15 U.S.C. 1681c. ( a ) ( 5 ) SECTION STATES : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antidates the report by more than seven years PLEASE FIND THIS AS LEGAL NOTICE, MY RIGHTS ARE BEING DENIED AND VIOLATED. THIS IS WRITTEN NOTICE TO PROVIDE THE CORRECT INFO THAT I, THE CONSUMER, PROVIDED.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND All other Personal info listed on my report need to be REMOVED! except for the personal info, That I, The Consumer/Victim have provided and gave such authorization to list. Per 15 USC ; 1681 PRIVACY LAWS : All 3 major reports will show a fraud alert I had placed years ago.
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR XXXX YEARS BEGINNING XXXX.
XXXX is in violation of said rights : As well as these collections companys Potentially Negative XXXX XXXX XXXX XXXX Potentially negative Date openedXXXX Balance {$4800.00} StatusAccount charged off. {$14000.00} written off. {$4800.00} past due as of XX/XX/XXXX.
XXXX XXXX XXXX XXXX Potentially negative Date XXXX Balance {$1700.00} StatusAccount charged off. {$770.00} written off. {$1700.00} past due as of XX/XX/XXXX.
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$760.00} StatusAccount charged off. {$650.00} written off. {$760.00} past due as of XX/XX/XXXX.
XXXX Potentially negative Date XXXX Balance- StatusPaid in settlement. {$2900.00} written off.
XXXX XXXX XXXX Potentially negative Date XXXX Balance {$93.00} StatusCollection account. {$93.00} past due as of XX/XX/XXXX.
XXXX XXXX Potentially negative Date XXXX XXXX {$1800.00} StatusCollection account. {$1800.00} past due as of XX/XX/XXXX.
XXXX XXXX Potentially negative Date XXXX XXXX {$650.00} StatusCollection account. {$650.00} past due as of XX/XX/XXXX.
XXXX XXXX Potentially negative Date XXXX XXXX {$980.00} StatusCollection account. {$980.00} past due as of XX/XX/XXXX.
SOURCE RECEIVABLES MNGMN Potentially negative a person has taken adverse action against me because of information in my credit report ; I was denied an employment offer I am the victim of identity theft and placed a fraud alert in my file ; My File contains inaccurate information as a result of fraud ; you are on public assistance ; Food Stamps SNAP.
you are unemployed but expect to apply for employment within 60 days.
All OF THESE ( SAME DATE ) INQUIRIES ARE ALL FALSE AND FRAUD : Remove them!!!
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX TX XXXX ( XXXX ) XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX KS XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX In-accurate Account Info Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection Responsibility Individual Date XXXX StatusCollection account. {$150.00} past due as of XX/XX/XXXX.
Status UpdatedJul XXXX Balance {$150.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$150.00} Highest Balance {$0.00} Terms 1 Months On Record UntiXXXX XXXX Account Info Account NameXXXX XXXX XXXX XXXX Account XXXX Account TypeAuto Loan Responsibility Individual Date XXXX StatusAccount charged off. {$14000.00} written off. {$4800.00} past due as of XX/XX/XXXX.
Status UpdatedXXXX XXXX Balance {$4800.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$18000.00} Highest Balance {$0.00} Terms 60 Months On Record UntilXXXX XXXX ccount NameXXXX Account XXXX Account TypeUnsecured Responsibility Individual Date XXXX StatusPaid in settlement. {$2900.00} written off.
Status UpdatedFeb XXXX Balance - Balance Updated- Recent Payment- Monthly Payment {$0.00} Original Balance {$3100.00} Highest Balance {$0.00} Terms 36 Months -- -- -- -- XXXX Months on recored : XX/XX/XXXX Account NameXXXX XXXX XXXX Account XXXX Account TypeCollection Responsibility Individual Date XXXX XXXX account. {$93.00} past due as of XX/XX/XXXX.
Status UpdatedDec XXXX Balance {$93.00} Balance XXXX Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$93.00} Highest Balance {$0.00} Terms 1 Months On Record UntilJul XXXX XXXX is XXXX violation of my rights as a consumer : Collection AgencyXXXX XXXXXXXX XXXX, Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Original Amount Owed {$150.00} Amount {$150.00} Status DateXXXX XXXX, XXXX StatusUNPAID Comments Balance DateXXXX XXXX, XXXX Account Designator CodeXXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX Creditor ClassificationXXXX Date of First XXXX XXXX, XXXX XXXX : is in violation of said rights XXXX XXXX XXXX : XXXXXXXX XXXX XXXX Account XXXX Account TypeSecured Loan Responsibility Individual Date XXXX StatusAccount charged off. {$650.00} written off. {$760.00} past due as of XX/XX/XXXX.
Status UpdatedFeb XXXX XXXX XXXX XXXX XXXX Account XXXX Account TypeUnsecured Responsibility Individual Date XXXX StatusAccount charged off. {$770.00} written off. {$1700.00} past due as of XX/XX/XXXX.
Status UpdatedNov XXXX XXXX Account XXXX Account TypeUnsecured Responsibility Individual Date XXXX StatusPaid in settlement. {$2900.00} written off.
Status UpdatedFeb XXXX Account NameXXXX XXXX XXXX XXXX Account XXXX Account XXXX Loan Responsibility Individual Date Opened04/26/2018 StatusAccount charged off. {$14000.00} written off. {$4800.00} past due as of XX/XX/XXXX.
Status UpdatedFeb XXXX Account NameXXXX XXXX Account XXXX Account TypeDebt Buyer Responsibility Individual Date XXXX XXXX account. {$1800.00} past due as of XX/XX/XXXX.
XXXX XXXX XXXX
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| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear, Transunion Re XXXX This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account XXXX : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX A Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account XXXX : XXXX XXXX - This employer belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account XXXX : SELF EMPLOYED -This employer belongs to someone else. Delete it from my report immediately.
XXXX. The inquiry was not authorized XXXX XXXX A Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, payment history, comments and account number as they might be incorrect. Correct or delete all these incorrect information from this account.
XXXX. XXXXXXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXXt Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 01/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This complaint is being filed against XXXX and TransUnion and XXXXXXXX XXXX XXXXXXXX XXXX XXXX. I do not believe proper and thorough investigations have been conducted because my latest results I got from XXXX on XX/XX/XXXX read that this item remained unchanged because the company has ceriteid to XXXX that informant was accurate. I do not agree with these results because of the fact that information is in fact inaccurate and incomplete, therefore if XXXX couldnt fix the errors then this item should have been deleted. Verifying this account under my name and verifying this account as accurate are XXXX different things. I never once have disputed this account based on ownership, this account ha always been disputed based on Inaccurate information since XX/XX/XXXX. As a consumer I have the right to dispute anything on my file that is found to be inaccurate and incomplete and I have already exercised my right. To my understanding if the company XXXXXXXX XXXX XXXX has certified this account has accurate then shouldnt I receive some kind of correspsondce from them in regards to there notice of dispute sent to the consumer reporting agencies. I have not received any notice from this company directly during my who disputing process. How is it that XXXX can certify the information is accurate when there are blatant errors and incomplete information being reported.
My latest dispute sent to XXXX, XXXX XXXX XXXX, XXXX TX XXXX on XX/XX/XXXX was based on the fact that the payment history is reporting incomplete information. I have also put XXXX on notice before in previous disputes that the On Record Until is inaccurate because the payment history shows a different date of delinquency date to determine the 7 year statute of limitations.
XX/XX/XXXX I got results from XXXX report number XXXX stating that this company has ceritid that the information reporting is accurate.
XX/XX/XXXX I got a new report, report number XXXX and the following errors and incomplete information is reporting.
On Record Until XX/XX/XXXX is inaccurate. The payment history reads the date of delinquency that led to the charge off status occurred XX/XX/XXXX NOT XX/XX/XXXX. The payment history reads that XX/XX/XXXX this account was past due 60 days. After XX/XX/XXXX there were 3 on time payments and then XX/XX/XXXX was the first 30 days past due before the account was charged off.
Balance Updated XX/XX/XXXX is the last time XXXX XXXX reported and updated information to XXXX. If this company has certified information was accurate then shouldnt this date reflect the same date the company certified information was accurate.
The payment history remains Incomplete following my XX/XX/XXXX dispute. ND is still considered INCOMPLETE information. So if the company has certified with XXXX that information was accurate then the company is certfying the payment history had No Data for 10 months? 8 of the No Data months were when this account was opened with this creditor therefore the creditor should have the information for those months in there system.
Comment Current Account information disputed by consumer ( meets requirements of the FCRA ). This statement is false and believed to be outdated. If the company hasnt reported or updated information since XX/XX/XXXX and hasnt sent me a response directly verifying the information they are reporting to the CRAs is accurate and information remains inaccurate and incomplete then NO this account DOES NOT MEET FCRA REQUIRMENTS. Especially the 7 year running of reporting period as described in FCRA 1681c ( c ). The 7 year running of reporting period is a REQUIREMNTS contained in consumers report so it is a REQUIREMENT for this date to be reported ACCURATELY.
I dont not agree with XXXX outcome. If XXXX XXXX XXXX didnt respond to XXXX dispute in a timely manner then this item should have been updated instead of using my personal information or another CRA entity to verify this account as accurate. I do not believe XXXX tXXXX XXXXl reinvestigated this account either becasue I have not received any paperwork from this company directly. If this company disagrees and claimed they have sent me correspendence in regards to all my disputes then I want every notice of dispute that was sent to me at the address they sent it to for verification and to meet FCRA requirements and regulations.
Information I am requesting from XXXXXXXX XXXX XXXXXXXX XXXX XXXX date of deliquency that led to the charge off status.
Last payment made and for how much.
The 1099-c form generated since the status reads this account was charged off and written off. The IRS publication specifies any debt over {$600.00} or more, a 1099C is required to be generated in order for the company to get a tax credit for loss income. This 1099C form was suppose to be sent to me so I can file with my taxes. Since the status does read this account was written off then the balance of {$1000.00} is inaccurate because INCOME does NOT report on consumer files.
All past due dates and amounts including interest, late fees and any additional fees and taxes.
The Original Charge off date.
The highest amount the account has ever been and reports to the CRAs.
All dates and letters that was sent to the correct address and consumer in regards to all of the notice of disputes proving this company in fact completed a reinvestigation and has put in a notice of dispute with the CRAs or a notice that the company is verifying the information being reported to the CRAs is accurate.
The correct mailing address that this company recieves disputes regarding consumer reports.
If this company does not have my correct address that they sent any information to then this account is invalid. The same information the CRAs sent to them indirectly has all my correct contact info included so there is no excuse why they would have the wrong contact address under my name in there system if they did a investigation.
The way this account is reporting is not abiding by FCRA requirements. In addition Transunion is reporting this account to be federally removed on XX/XX/XXXX but XXXX reports this account is on record until and being removed on XX/XX/XXXX? That is a 5 month difference and a perfect example why this complaint is being made. Transunion has Verified this account before and the removal date reported on those results was XX/XX/XXXX. XXXX has deleted this account becasue information was in fact inaccurate. to my understanding once a account has been deleted that agency is suppose to send out those results to the creditor and other consumer reporting agencies on a nationwide basis. I am wondering why TransUnion or XXXX has not recieved those carbon copies in order to modify there files accordingly. and if those results were sent to the creditor then why is the creditor still reporting on my file and inaccuraltey at that? At this point only XXXX is complying to federal FCRA regulations. XXXX and Transunion are NOT. I've disputed this account too long just to get back results that do not change and the reports remain different. if both agencies have verified this account as accurate and the reports included with the results reflect different information then it is a FCRA violation.
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| 12/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ).
XXXX. The following personal information is incorrect Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Former : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX LA XXXX MD XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 1ST PREMIER Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF XXXX5 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX Date XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX MOTOR XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681CXXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. This account was CLOSED.
JXXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ..promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Sincerely, XXXX XXXX
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| 04/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I file a complaint to against TransUnion, XXXX and XXXX individual and on behalf of all others similarly situated.
Jurisdiction and legal standard The federal Gramm-Leach-Bliley Act of 1999 created a new opportunity for our to limit the transfer of your personal financial information.
Federal law gives me and us the right to report credit. The Credit Bureau does not allow reporting of any inaccurate, incomplete, outdated or unverifiable content, and not allow us to dispute errors from three credit reporting company website. After go to XXXX or TransUnion website, after click dispute icon but nothing happened after waited 20 minutes. ( EXBBIT # A Website of TransUnion, XXXX, XXXX ) These three credit reporting companies contain errors, incorrect outdated, overdue payments, foreclosures, repossession, collection actions, charge-offs or judgments on me account, and even incorrectly classify the error report into my bank, Because so many businesses use three credit report to make decisions about our creditworthiness, its important that my or our credit report is accurate, updated, complete without any errors, false statement and fraud documents.
For example : I received a letter from XXXX XXXX on XX/XX/XXXX. This is the second time the bank has refused to accept my loan based on a TransUnion false statement.
TransUnion 's false allegations are as follows : 1. Garnishment, attachment, foreclosure, repossession, collection action, charge off, or judgment.
My answer : I paid the property tax of {$12000.00} per year on time, no serious delinquency, no foreclosure, no repossession or no collection action or no judgment, no garnishment or no attachment pursuant to federal stratus Fraudulent misrepresentation process crime laid out in Section 1001 of Title 18 of the United States Code, which generally prohibits knowingly and willfully making false or fraudulent statements, or concealing information. Under 18 USC Section 1001, it is a felony to make a false statement to an agent or agency of the federal government in connection with a federal matter.
2. Serious delinquency My answer is : The definition of serious delinquency would be a late payment. I set up auto payment and paid on time. There is no serious delinquency. Under 18 USC Section 1001, it is a felony to make a false statement to an agent or agency of the federal government in connection with a federal matter. Only XXXX account, I did not receive anything billing statement after I dispute to XXXX 's dispute department in XXXX pursuant to North Carolina time limitation for debt only three years therefore, charge off is inaccurate.
3. Defaulted student loans TransUnion, XXXX and XXXX threaten and harm XXXX XXXX borrowers.
And also education department or XXXX XXXX XXXX XXXX DID NOT release students loan information to TransUnion or other XXXX and XXXX.
I have reason to believe that three credit reporting companies illegally hacked and invaded government systems to obtain data. Pursuant to The Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. Three credit reporting companies hacks and invades data from government systems to get data to threat and harm consumers.
4. Proportion of loan balance to loan amounts is too high.
My answer is : Pursuant to the Privacy Act prohibits the disclosure of a record about an individual from a system of records absent the written consent of the individual, unless the disclosure is pursuant to one of twelve statutory exceptions. Pursuant to Computer Fraud and Abuse Act, Penalties ( Prison Sentence ) Accessing a Computer to Defraud and Obtain Value 5 years ; 10 years maximum for a second conviction.
Accessing a Computer and Obtaining Information 1-5 years ; 10 years maximum for a second conviction.1-10 years ; 20 years maximum for a second conviction.
Intentionally Damaging by Knowing Transmission 1-10 years ; 20 years maximum for a second conviction.
History of TransUnion fraud In XXXX, XXXX XXXX of XXXX XXXX, Oregon, was awarded {$5.00} XXXX in a successful lawsuit against TransUnion. The award was made on the grounds that it took her six years to get TransUnion to remove incorrect information in her credit report.
XXXX filed suit against all three of the US 's largest credit agencies. TransUnion and XXXX settled out of court for an undisclosed amount. In Sloan v. Equifax, a jury awarded XXXX {$350000.00}.
In XX/XX/XXXX, a California jury ruled against Transunion with a {$60.00} XXXX verdict in the largest Fair Credit Reporting Act ( FCRA ) verdict in history. [ XXXX ] The XXXX XXXX federal court jury awarded {$60.00} XXXX in damages to consumers who were falsely reported on a government list of terrorists and other security threats. The plaintiffs ' team of attorneys at XXXX XXXX XXXX, XXXX. partnered with another California-based firm in the class action.
Beyond reasonable doubt, those three companies provide information are inaccurate, outdated, misattributed, false statement, fraud representation, damage and destroy all consumers.
For example in XX/XX/XXXX, XXXX announced a cyber-security breach, including US Citizens full names, Social Security numbers, birth dates, addresses, and driver license numbers. XXXX also confirmed at least XXXX consumers ' credit card credentials were taken in the attack. In fact that data leaking is insider who work for XXXX.
Each credit reporting company employs more than 10,000 employees from around the world as customer service. The three companies have no control over these customer service personnel, who can access the customer 's personal data to sell to another dark website to earn huge amounts of money.
Conclusion Base on above statement, we don't need to TransUnion, XXXX and XXXX to control, damage our finances, reputation, career, and threats, and harms our lives.
Federal law gives our the right to report credit. The Credit Bureau does not allow reporting of any inaccurate, incomplete, outdated or unverifiable content, and not allow us to dispute errors from three credit reporting company website.
The law attempts to balance our right to privacy Pursuant to The Fourteenth Amendment contains a number of important concepts, most famously state action, privileges & immunities, citizenship, due process, and equal protection.
Obviously, those three major credit report companies ruining our life, is not protect all consumers instead of damaging, destroying, threaten all consumers reputation, characters and careers and invading our financial, social Security, banking account and also that those three credit report put fake statement against all consumers.
All consumers are under attack. All of us need to protect our privacy, our security number, date of birth, financial information, our credit ... etc. There is no reason to pay these credit reporting companies for incorrect, outdated, incomplete, unverifiable and falsified content to destroy the reputation, character, occupation and financial status of all consumers. Therefore, these three reporting companies should not exist.
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| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX I am writing this dispute regarding the violations of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Equal Credit Opportunity Act ( ECOA ), and Real Estate Settlement Procedures Act ( RESPA ).
I have noticed several inaccuracies on my credit report, which have been reported by the credit bureaus. My correct name is XXXX XXXX, but the bureaus are reporting it as XXXX XXXX, XXXX, XXXX, XXXX, XXXX A XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX This is not only incorrect, but it is also causing confusion and making it difficult for me to apply for credit or loans.
Furthermore, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, but the bureaus have reported multiple addresses, such as XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX These incorrect addresses have caused confusion and made it difficult for me to receive important mail.
These inaccuracies have had a significant impact on my life. For example, when I applied for a car loan, I was denied due to these incorrect reports on my credit report. I was forced to use public transportation, which is inconvenient and costly.
The violations that have occurred are as follows : FCRA : Section 607 - Duties of Furnishers of Information to Consumer Reporting Agencies Section 611 - Procedure in case of disputed accuracy Section 616 - Civil liability for willful noncompliance Section 623 - Responsibilities of furnishers of information to correct and update inaccurate or incomplete information FACTA : Section 312 - Responsibilities of Furnishers of Information to Consumer Reporting Agencies Section 313 - Prohibition on Circumventing Opt-Out Requirements Section 317 - Enforcement ECOA : Section 703 - Prohibited discrimination on the basis of race, color, religion, national origin, sex, marital status, or age Section 704 - Enforcement RESPA : Section 6 - Servicing of Mortgage Loans and Administration of Escrow Accounts Section 8 - Prohibition against kickbacks and unearned fees a dispute regarding the unauthorized inquiries made on my credit report by several entities including XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. These inquiries have caused significant harm to my credit score and financial stability.
As a responsible consumer, I have been monitoring my credit report closely and noticed multiple unauthorized inquiries that have been made without my knowledge or consent. These inquiries have been made without a permissible purpose and have caused my credit score to decrease significantly. I have made multiple attempts to contact these entities to request that they remove these inquiries from my credit report, but my requests have been ignored.
The unauthorized inquiries made by these entities violate several provisions of the Fair Credit Reporting Act ( FCRA ) and Fair and Accurate Credit Transactions Act ( FACTA ), including sections 604, 607, 610, 613, 614, 615, 616, 618, 623, 312, 313, and 317. These inquiries were made without a permissible purpose, and I have not authorized any of these entities to access my credit report. In addition, these entities failed to properly disclose the nature and scope of the inquiries and failed to comply with consumer reporting obligations.
One of the accounts in question is with XXXX XXXX XXXX, account number XXXX. XXXX has listed the payment status as in collection, yet I have never received any notification or documentation from them regarding this collection account. This is a clear violation of Section 607 of the Fair Credit Reporting Act ( FCRA ), which outlines the duties of furnishers of information to consumer reporting agencies. Additionally, it is a violation of Section 623 of the FCRA, which states that furnishers must correct and update inaccurate or incomplete information.
XXXX XXXX XXXX ( Account Number XXXX ) on my credit reports with TransUnion and XXXX.
According to my TransUnion report, the last verified date for this account is XX/XX/XXXX. However, my XXXX report does not reflect this information. Additionally, my TransUnion report shows the date of last activity as XX/XX/XXXX, while my XXXX report shows the date of last activity as XX/XX/XXXX. Furthermore, my TransUnion report lists the date opened as XX/XX/XXXX, whereas my XXXX report shows the date opened as XX/XX/XXXX. Finally, my TransUnion report indicates that the creditor has reported that the account is placed for collection, while my XXXX report does not reflect this information.
I believe that the reporting of this information is in violation of the following sections of the Fair Credit Reporting Act ( FCRA ) : Section 607 - Duties of furnishers of information to consumer reporting agencies ( reporting inconsistencies between TransUnion and XXXX reports ) Section 623 - Responsibilities of furnishers of information to correct and update inaccurate or incomplete information ( reporting inconsistencies between TransUnion and XXXX reports ) Additionally, I believe that XXXX XXXX XXXX may be in violation of the following sections of the Fair Debt Collection Practices Act ( FDCPA ) : Section 807 - False or misleading representations ( misrepresenting the last verified date and the date of last activity ) Section 809 - Validation of debts ( failing to provide proper validation of the debt ) These inaccuracies in reporting have had a significant negative impact on my credit score and have made it difficult for me to obtain credit and loans. I request that you investigate this matter and take appropriate action to ensure that my credit reports accurately reflect the information that is reported by XXXX XXXX XXXX. I also request that any unverified accounts be removed from my credit report.
I am writing to dispute a collection account that has been reported on my credit report by XXXX XXXX XXXX ( account number : XXXX ) and XXXX. According to XXXX, the payment status of this account is listed as Collection. However, I have never received any notification or paperwork from them regarding this collection account.
I believe that this reporting violates the Fair Debt Collection Practices Act ( FDCPA ) Section 807, which prohibits false or misleading representations in the collection of debts. Reporting the payment status as collection without providing proper notification or paperwork is a clear violation of this law.
This reporting has greatly affected my life. I have been denied credit and other opportunities due to this inaccurate information on my credit report. It has caused me significant stress and anxiety, as I have been unable to obtain the credit I need to support myself and my family.
I request that you enforce the legal requirements on the creditors to provide proper notification and paperwork before reporting the payment status as collection. I demand that the creditor remove this unverified account from my credit report.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 05/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX, XXXX filed a dispute stating that : In accordance with the Fair Credit Reporting act multiple companies, have violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose Accounts Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Account Number : XXXX Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX AM Inquiry Date : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Inquiry Date : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Inquiry Date : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Inquiry Date : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Account Name : XXXX XXXX Inquiry Date : XX/XX/2021 Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Addresses Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX, GA XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Address : XXXX XXXX XXXX XXXX, FL XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Phone number : ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Phone number : ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Phone number : ( XXXX ) XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Social security number : XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Social security numbers : XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Social security numbers : XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report : Name : XXXX XXXX Please investigate if every piece of information is correct. If not, please remove from my credit report :
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| 12/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online TOTAL/XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Secured loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan on behalf of XXXX XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Secured loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX - XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX - Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Business on behalf of XXXX XXXX. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Secured loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Secured loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online XXXX XXXX Inquired on XX/XX/XXXX Auto loan. This inquiry is scheduled to continue on record until XX/XX/XXXX.
Not disputable online
|
| 07/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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When I initially discovered there was an outstanding debt owed to XXXX XXXXXXXX XXXX XXXXXXXX XXXX, I contacted them. The managing group called XXXX XXXX for XXXX XXXX XXXX XXXX XXXX stated I owed the debt so long they decided to sell it to a business who collects debt called XXXXXXXX XXXX XXXX and that I would need to call them. I contacted XXXXXXXX XXXX XXXX and advised who I was, and my purpose was to pay a debt that I owed, with the purposes of XXXXXXXX XXXX XXXX sending a Goodwill letter to all three creditor bureaus asking to have this collection to be removed from my credit report. XXXX XXXX XXXX agreed to the terms and collected {$250.00} dollars and stated I owed them a XXXX balance. This debt was paid on XX/XX/XXXX. I recently checked my credit report and discovered that XXXX XXXX XXXX did not hold up their end of the deal by contacting the credit bureaus and having the collection removed from my report. Also, while reviewing the debt on my report, I noticed there were a few discrepancies. On the report where it has the original lender the bureaus have different names. XXXX reports XXXX XXXX XXXX XXXX XXXX Transunion reports : XXXX XXXX XXXX XXXX XXXX XXXX reports : XXXX XXXX XXXXXXXX XXXX The name of the company is XXXX XXXX XXXX XXXXXXXX XXXX All three credit bureaus are reporting the Debt that I owed was by XXXX different companies seeing that this information is inaccurate Id like to have this collection removed from my credit report. The Agency Name on the credit report is wrong as well. The Agency Name is reported as XXXX different names to all three credit bureaus. XXXX reports : XXXX Transunion reports : XXXX XXXX XXXX reports : XXXXXXXX XXXX XXXX The name of the company is XXXXXXXX XXXX XXXX All three credit bureaus are reporting the XXXX different names. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. I settled with XXXXXXXX XXXX XXXX for {$250.00} dollars, but XXXX XXXX XXXX is reporting to the credit bureaus that the dollars amount was {$290.00} dollars this is completely inaccurate, and false, and therefore driving up my FICO score. Seeing that this information is inaccurate Id like to have this collection removed from my credit report. XXXX XXXX XXXX has reported different dollar amounts to all three credit bureaus when it comes to current balance. XXXX reports : {$0.00} Transunion reports : {$0.00} XXXX reports : - blank Once again XXXX XXXX XXXX has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. XXXX has not correctly reported the status of my account properly, and it is reading different with every major credit bureau. XXXX reports : Paid Transunion reports : Payment After charge off / collection XXXX reports : Account legally paid in full for less than full balance Once again XXXX XXXX XXXX has not proven itself to be a company that operates under the Fair Credit reporting Act and is not fair to me as a consumer. Therefore, due to their extreme negligence Id like to have this collection account removed from my credit report from all three credit bureaus. The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. While there are three national CRAs in the United States ( XXXX, Trans Union, and XXXX ), private investigators, detective agencies, collection agencies, inspection bureaus, companies that sell information to insurance companies and assist in performing background checks, and college placement offices have been deemed to be CRAs under the law. CRAs compile what are called consumer reports, meaning any written, oral, or other communication of any information by a CRA bearing on a consumer 's credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of This the company response to my former complaint. My name is XXXX XXXX. I am the Vice President of Compliance for XXXX XXXX XXXX XXXX XXXX ( XXXX ) and I have been asked to respond to XXXX XXXX XXXX complaint. XXXX has completed its investigation and the results are as follows. ( XXXX XXXX account was placed with XXXX for collection on XX/XX/XXXX, false ) ( by XXXX client XXXX XXXX XXXX XXXXXXXX XXXX, with a balance of {$2000.00}. On XX/XX/XXXX, XXXX mailed its initial collection letter to XXXX XXXX at her last known address : XXXXXXXX XXXX XXXX XXXXXXXX, AR XXXX. All this information is completely false ) ( That letter included the required notice of validation rights pursuant to section 809 of the Fair Debt Collection Practices Act, that letter was not returned as undeliverable to XXXX by the U.S. Postal Service. ) false On XX/XX/XXXX, XXXX reported XXXX XXXX account to the XXXX national consumer reporting agencies ( XXXX, TransUnion, and XXXX ) ( CRAs ) with permission from our client, XXXX XXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX XXXX XXXX called our office and spoke with an XXXX representative. A review of the recording of this call reveals that at the start of the conversation, XXXX XXXX asked the representative he spoke with if he could get an email indicating this tradeline would be removed from his consumer report. The representative responded we dont remove or delete, sir. We report your accurate information so we will report is as either paid in full or settled in full and account closed. Later in the same call, just prior to authorizing a payment of {$250.00} to run that day to settle the account in full, XXXX XXXX asked why XXXX would not request a deletion of the trade line after payment, the representative advised XXXX XXXX : Per company policy, we go by what the Fair Credit Reporting Act requires, so we report your accurate information, we dont do removals or deletions. Per the Fair Credit Reporting Act ( FCRA ), it is XXXX responsibility to report complete and accurate information to the CRAs. Regarding the information for this trade line appearing slightly differently on XXXX XXXX consumer report from each CRA, please be advised that XXXX is not responsible for the way the CRAs display the information furnished to them from XXXX. ( On one of my credit reports they didnt even report a dollar amount ) This is outside our organizations control. Thank you for the opportunity to respond to this complaint. XXXX XXXX XXXX. XXXX referred to me as a female, which is mean and very unprofessional behavior.
2. He stated I owed an amount I do not owe so his investigation was not accurate.
3. He stated I lived at an address I never lived at nor is on my credit report.
4. And he is not reporting accurately information to the CRAs. Please review previous complaint. XXXX Please delete this collection agency from all three of my credit bureaus as this company is practicing deceptive business practices.
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| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report that I pulled which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correct. You are in violation Of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated Credit Information . Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and evidence supporting my dispute to resolve any issues. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. The Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 2. Agreement with your client that grants XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and XXXX XXXX the authority to collect 3. this alleged debt.
4. Original wet ink Signed agreement Debtor has made with Debt Collector, or another verifiable proof Debtor has a 5. contractual obligation to pay a Debt collector.
6. Any agreement that bears the original wet ink signature of Debtor, wherein agreed to pay Creditor.
7. All statements while this account was open.
8. Have any insurance claims been made by any creditor regarding this account?
9. O Yes 10. O No 11. Have any Judgements been obtained by any creditor regarding this account?
12. O Yes 13. O No 14. Please provide me the name and address of the bonding agent for XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX in case legal action becomes necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely, XXXX XXXX
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| 05/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Telephone : XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with fXXXX law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
XXXX law requires you to respond within XXXX days, yet you have failed to respond. Failure to comply with these XXXX regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXXXXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than XXXX days and again XXXX days ago : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
14. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
16. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
19. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity XXXX XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
20. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
21. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
22. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity XXXX XXXX ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
23. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under XXXX law, you had XXXX days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within XXXX days of the completion of your re-investigation.
Sincerely, XXXX XXXX
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| 01/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED.I DO NOT GRANT YOU AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME.PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY CERTIFICATE ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.NOTE THE UNLAWFULNESS AND VILE INFRINGEMENT CREATED POTENTIALLY VERSUS ME SHOULD YOU CONTINUE TO RETAIN REPORT RESTRUCTURE RESELL RETURN OR ELSE WISE EVERY AND ONE EVEN EACH ANY OR ALL DATA, NOTATIONS, DATES, BALANCES, CALCULATIONS, AUDITS, ACCOUNTING RECORDS, REQUISITE 426-CHARACTER FORMAT FIELDED P6 STATEMENT ( S ), MANDATED 386 PARCELS OF CONFIRMATION NECCESSARY TO REPORT A COLLECTION ACTIVITY AND OR DEBT ALLEGED, THE MINIMAL FIVE ( 5 ) PORTIONED PERSONAL IDENTIFIERS, THE ALPHA-/ NUMERIC-/AND OR ALPHANUMERIC SOURCE CODE ( S ), AS WELL AS EVERY AND ONE EVEN ANY OR ALL LEGISTRATIONS, ACTS, ARTICLES, PARAGRAPHS, - STATEMENTS, REGULATIONS, OBLIGATIONS OR OTHERWISE REQUIRED, WHETHER MENTIONED OR NOT.ANNUL IN BRIEF TODAY EVEN RIGHT NOW AND DO SO THEREAFTER MINUS ANY RESULTANT PREJUDICES AND OR INJURIES TO ME, REAL OR IMAGINED, WITHAL.
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX, NY XX/XX/XXXX- This address is not correct. Delete it immediately from my report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Transunion have failed to uphold and comply with their grave responsibilities and obligations in providing maximum possible accuracy related to the information contained within my credit file, maintaining reasonable procedures to assure maximum possible accuracy of such information, and keeping my highly sensitive non-public personal and financial information confidential. Thus, violating several statutes under the Fair Credit Reporting Act. Congress enacted The FCRA to ensure fair and accurate credit reporting and to prevent an undue invasion of the consumers right of privacy.
As of XX/XX/XXXX, Transunion has consistently inaccurately reported alleged late payments and late payment information on my credit file. Ive attempted to resolve this matter under multiple occasions disputing the information, to make Transunion & its agents aware of the inaccuracies and statutes violations. However Transunion have fraudulently certified and verified the information without reasonable procedures as required by law.
Pursuant to 15 U.S.Code 1666b a creditor may not treat a payment as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date.
In order for the alleged late payments to be considered certified and verified as accurate, Transunion must have sufficient evidence to support the conclusion that the information was true and accurate, and in doing this the conditions required by 15 U.S. Code 1666b must be met and in accordance with FCRA section 607 a general or specific certification, providing the Certification of accuracy and the agent/s that were involved in the certification process, that certified with sufficient evidence that the information is complete and accurate.
Transunion have used insufficient evidence and identifiers in their procedures certifying and verifying the inaccurate information being reported. It is not a reasonable procedure to assure maximum possible accuracy to use insufficient evidence and identifiers to match information to the consumer who is the subject of the report.
Transaction history is insufficient evidence in supporting the conclusion that the alleged payments reporting as late is accurate information. Federal law states the ONLY sufficient evidence to be used when determining whether a payment is considered late or not will be by being in compliance with 15 U.S. Code 1666b.
In addition, according to the FCRA and 15 U.S.Code 1681a ( 2 ) ( i ) the transactions and experiences between me ( the consumer ) and XXXX XXXX ( the person making the report ) on my consumer report is a violation of the FCRA and must be excluded from the consumer report to be in compliance with the Fair Credit Reporting Act and 15 U.S.Code 1681a ( 2 ) ( i ).
According to the Fair Credit Reporting Act and 15 U.S.Code 1681e ( b ) Accuracy of report states Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
In addition to running afoul of the FCRAs accuracy provisions, a consumer reporting company that uses insufficient evidence and identifiers can not rely on these procedures to form a reason to believe that all of the information it includes in a consumer report pertaining to the consumer is accurate.
I have requested the information that Transunion must have or possess by law in order to certify and verify the alleged late payments/transactions as accurate on my credit file. This information is being requested pursuant to Rule 1002 Importantly, Transunion inability to conclusively determine that the disputed information is inaccurate does not mean that Transunion is permitted to report that its investigation verified the accuracy of the information. Instead, if the evidence available to Transunion is insufficient to establish the truth or falsity of the disputed information, then, under the statutory framework, Transunion must report that its investigation concluded that the disputed information can not be verified. XXXX, XXXX XXXX at XXXX.
15 U.S. Code 1681i ( a ) ( 5 ) ( A ) States If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Thus contemplates that when information can no longer be verified, the proper response is to delete the information. See XXXX, XXXX XXXX at XXXX The FCRA was enacted to ensure fair and accurate credit reporting and to prevent an undue invasion of the consumer 's right of privacy in the collection and dissemination of credit information. XXXX XXXX. XXXX of XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) ; see also 15 U.S.C. 1681 Transunion collection, assembly, evaluation and dissemination of my highly sensitive non-public personal and financial information has posed significant risks to my privacy. I have the legal right to not have my information disseminated. Transunion has a responsibility in consumer Confidentiality.
More importantly, Transunion have failed to ; provide the required requested information, proceed in accordance with the requirements for a creditor to treat a payment as late and the evidence that must be sent to them to prove that the payments was late pursuant to 15 U.S.Code 1666b.
Transunion have also failed to maintain reasonable procedures ensuring maximum possible accuracy and failed to provide certification of accuracy and the agents involved. Thus admitting that the proper procedures and certifications were not met/done in compliance with the law violating 15 U.S. Code 1666b, 15 U.S. Code 1681e ( b ) and 15 U.S.Code 1681a ( 2 ) ( i ).
Transunion failure to report accurate information and properly comply with the law, has caused me reputational, emotional, physical, and economic harm. I am demanding Transunion to delete the ALL late payment information reported on the account XXXX XXXX XXXX immediately.
Pursuant to 1022 ( b ) ( 1 ) of the Dodd-Frank Wall Street Reform and Consumer Protection Act, which authorizes guidance as may be necessary or appropriate to enable the Consumer Financial Protection Bureau to administer and carry out the purposes and objectives of Federal consumer financial laws.
Pursuant to the FCRA and 15 U.S.C. 1681n, 1681o ; a person is civilly liable to a consumer for violations if such person has negligently or willfully failed to comply with the requirements.
The FCRA section 620 imposes criminal liability on any officer or employee of a consumer reporting agency who knowingly and willfully fails to comply with any requirement.
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| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to inform you that there is 100 % improper use of the credit report. Attached to the SSN! TRANSUNION, XXXX, and XXXX HAVE 1000 % VIOLATED THE FCRA, AND IM XXXX XXXXXXXX ABOUT THIS. I looked over the credit report and found some addresses that appear incorrect. Not only did I find addresses, but I ALSO FOUND TONS OF INACCURATE INFORMATION ON THE CREDIT REPORT. INCLUDING ACCOUNTS THAT I NEVER GAVE YOU WRITTEN PERMISSION TO ADD ON ANY INFORMATION TO THE CREDIT REPORT! As instructed on your website, I've enclosed documentation providing proof of my current address, social security card, id passport, driver 's license, and insurance card.
This is the final step BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION SHALL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on the TRANSUNION, XXXX, and XXXX credit report isn't accurate AND ITS XXXX XXXXXXXX. I've spoken to a lawyer, and he told me that I COULD EASILY take THIS to court AND FINE TRANSUNION, XXXX, and XXXX {$1000.00} PER VIOLATION ( and there are many violations ). I DEMAND YOU, TRANSUNION, XXXX, and XXXX, TO REMOVE ALL OF THESE FRAUDULENT INCORRECT ACCOUNTS FROM THIS CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF THE CREDIT REPORT WITH NO FRAUD REMARKS OR DISPUTE COMMENTS REMARKS LEFT ON THE CREDIT REPORT.
IF THESE FRAUDULENT, INACCURATE ACCOUNTS DO NOT COME OFF THE CREDIT REPORT WITHIN 24 HOURS. THE LAWYER HANDLING THIS MATTER SAID HE WILL BE TAKING MASSIVE LEGAL ACTION AGAINST THE FOLLOWING CORPORATIONS FOR LETTING THIS HAPPEN : POTENTIAL LAWSUITS LIST : XXXX, XXXX, and TRANSUNION TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!
ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNIONXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU, ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!
INACCURATE INQUIRES THAT NEED TO BE REMOVED!
ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX TO MAKE THE DELETION PROCESS EASIER FOR YOU , ATTACHED IS A LIST OF THE INACCURATE ACCOUNTS THAT NEED TO BE TAKEN OFF THE CREDIT REPORT ASAP. AND FRAUDULENTLY REPORTED INQUIRIES THAT NEED TO BE TAKEN OFF ASAP.
15 USC 1681C-2 STATES I HAVE THE RIGHT TO PRIVACY AND A BLOCK OF INFORMATION. AND I NEVER GAVE ANY COMPANY WRITTEN CONSENT TO ADD THIS INFORMATION TO MY CREDIT REPORT! DELETE IT IMMEDIATELY!
INACCURATE INQUIRES THAT NEED TO BE REMOVED!
ACCOUNT NAME- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I Have the Right to Privacy!!!
15 U.S.C 1681 section 604 A Section 2 : Also, States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions!!
DELETE THIS ACCOUNT IMMEDIATELY FROM THE CREDIT REPORT UNLESS YOU WANT TO BE HELD FOR {$1000.00} PER VIOLATION!!!
|
| 02/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX - XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, North Carolina XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : XXXX XXXX XXXX CC : Federal Trade Commission CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 02/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA XXXX ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within XXXX business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. XXXX XXXX bankruptcy XXXX XXXX XXXX : XXXX To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file.
2. The inquiry was not authorized XXXX SUBAR Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX AUTO Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXXC Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXX CARD Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXX FCU Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXXE Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX FCU Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX FCU Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
17. XXXX OF XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
18. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
19. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
20. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
21. XXXX Account XXXX : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
22. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
23. XXXX BANK XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
24. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA XXXX Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your XXXX of XXXX. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of XXXX XXXX XXXX. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Pennsylvania XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
|
| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX SSN : XXXX XXXX : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX box 2000 XXXX XXXX PA XXXX Re : Formal Dispute and Request for Enforcement of Legal Remedies Dear TransUnion Dispute Team , I hope this letter finds you well. I am writing to formally dispute information on my credit report and request the enforcement of legal remedies available under the law. The purpose of this communication is twofold : to convey how profoundly the inaccuracies on my credit report have affected my life and to request the removal of unverified accounts.
Personal Story : I must begin by sharing a deeply personal and emotionally distressing experience stemming from the inaccuracies on my credit report. Several years ago, I faced unexpected financial challenges due to a family emergency. At that critical juncture, I diligently contacted the creditors in question to work out a repayment plan and seek assistance.
Despite my genuine efforts to resolve these matters responsibly, I encountered insurmountable obstacles. Late payment notations began to mar my credit report, making it increasingly arduous to secure housing, obtain vital loans, or pursue employment opportunities. The emotional toll of this ordeal has been overwhelming, negatively affecting my self-esteem, mental well-being, and overall quality of life.
Violations, Specific Accounts, and Relevant Laws : Based on my experiences, it is evident that certain accounts listed on my credit report may be in violation of key provisions of consumer protection laws. Here are the specific accounts, their corrected account numbers, and the corresponding violations : Violation 1 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 2 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 3 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 4 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 5 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 6 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 7 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 8 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 9 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA XXXX XXXX ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 10 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 11 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 12 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 13 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
Violation 14 : Inconsistent Account Numbers Across Credit Bureaus Creditor : XXXX XXXX XXXX Account Number : XXXX Potential Violated Law : FCRA Section 1681s-2 ( b ) : Requires furnishers of information ( creditors ) to provide accurate and complete information to credit reporting agencies ( CRAs ).
XXXX XXXX This is not my name. Delete it immediately from my report.
2000 This is not my Date of Birth. Delete it immediately from my report.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX This address is not correct. Delete it immediately from my report.
Request for Enforcement and Full Report : In light of the above violations, I earnestly request that TransUnion take immediate action to enforce the legal remedies available to rectify these inaccuracies. Specifically, I request the removal of these unverified accounts from my credit report in accordance with the FCRA, Section 611 ( a ) ( 5 ) ( A ).
Furthermore, I kindly request a full and comprehensive report detailing the actions taken to rectify these inaccuracies and a copy of my updated credit report.
These inaccuracies have taken a tremendous toll on my life, causing emotional distress and hindering my ability to secure housing, obtain essential loans, and pursue employment opportunities. I implore TransUnion to address these violations promptly and work toward a resolution that can help restore my financial and emotional well-being.
In conclusion, I extend my gratitude for your attention to this matter. It is my sincere hope that your intervention will alleviate the burdens I have endured due to these inaccuracies on my credit report. I look forward to a prompt response from TransUnion.
Sincerely, XXXX XXXX
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| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to file a formal dispute regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) that have significantly impacted my financial well-being, caused immense emotional distress, and undermined my faith in the accuracy and integrity of credit reporting systems. The following violations have led to unjust repercussions on my credit report, affecting my ability to access financial opportunities and secure a stable future : Unauthorized Inquiries : The unauthorized inquiries made by various creditors, including XXXX XXXX XXXX XXXX, and many others, have been detrimental to my credit profile. These unauthorized inquiries were made without my consent or knowledge, raising concerns about potential fraudulent activities. The FCRA protects consumers from unauthorized inquiries that can have grave consequences on their creditworthiness and financial standing.
FCRA Violations : Section 604 ( a ), Section 605B Inaccurate Reporting : I have been subjected to inaccurate reporting by creditors such as XXXX XXXX XXXX. Despite my attempts to rectify and update incorrect information, these creditors have failed to accurately reflect my financial history. This inaccurate reporting violates the FCRA, which mandates the accurate reporting of credit information to ensure fair and transparent credit evaluation.
FCRA Violations : Section 623 ( a ), Section 611 False Accounts : The false account reported by XXXX XXXX is a distressing instance of misinformation that does not belong to me. This false representation is not only detrimental to my credit health but also alarming as it implies identity-related issues. The FCRA safeguards consumers from such misreported accounts that can lead to unfair and erroneous judgments of their financial responsibility.
FCRA Violations : Section 607 ( b ), Section 623 ( a ) I implore the Consumer Financial Protection Bureau to enforce my legal rights and protect me from the severe consequences of these violations. The impact of these violations on my life has been profound and emotional. Allow me to share my story with the hope that it will emphasize the urgency of addressing these issues : [ Share a personal story in detail, focusing on the emotional and financial hardships caused by the inaccurate reporting, unauthorized inquiries, and false accounts. Be sure to highlight how these violations have affected your daily life, your ability to secure loans, employment, housing, or other essential aspects. ] In light of the aforementioned violations and the impact they have had on my life, I kindly request that you take immediate action to remedy this situation. Specifically, I ask that the creditors involved be directed to remove the unverified accounts from my credit report, thereby rectifying the harm that these violations have caused.
Here is a comprehensive list of the accounts and their associated account numbers that I am disputing : XXXX XXXX | XX/XX/XXXX - I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
I appreciate your attention to this matter and your commitment to upholding consumer rights. I kindly request a timely response to this dispute, as I believe it is crucial to addressing these issues promptly. You may reach me at [ your phone number ] or [ your email address ] if you require any further information or clarification.
Thank you for your understanding and assistance in rectifying this situation.
Sincerely, XXXX XXXX
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| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with fraud alerts or security freezes
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Web |
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In brief, there are three problems I need to report : ( 1 ) XXXX has repeatedly refused to remove a fraudulent hard inquiry from my credit report, insisting that the hard inquiry is " factual. '' ( 2 ) XXXX has repeatedly refused to place a seven-year fraud alert on my credit report, even though : Transunion implemented a seven-year fraud alert ; Transunion says that XXXX and XXXX were notified of the seven-year alert as required ; and XXXX has in fact received that notice and implemented a seven-year alert. XXXX has given conflicting reasons for why they have not placed the seven-year alert. One XXXX representative claimed that they received the seven-year alert from Transunion, but could not add a seven-year alert because I had already placed an initial one-year alert. A second XXXX representative claimed that XXXX had not received any sort of notice or notification from Transunion.
( 3 ) Transunion has refused to send XXXX another notification of the seven-year alert.
For the full details, please see the following : On XX/XX/2023, someone fraudulently tried to open two credit cards in my name. I became aware of this on XX/XX/2023, when I received an email that a hard inquiry had appeared on my credit report. I checked my credit reports and found two hard inquiries : one on my XXXX credit report and one on my XXXX credit report. Both involved retail store credit cards ( XXXX Bank and XXXX XXXX XXXX respectively ) for which I have never applied.
I first filed disputes with both XXXX and XXXX.
I next called XXXX, who confirmed that a credit card had been opened using my name and Social Security number ( but not my driver 's license number or phone number ). Using the XXXX card, this person made two purchases, in the amounts of {$440.00} and {$55.00}, both on XX/XX/2023, and both at XXXX XXXX # XXXX in XXXX, California. The XXXX representative told me that they had put a block on the card and flagged it as fraudulent.
After this call, I placed security freezes on my credit reports with all three bureaus. I also filed a one-year initial fraud alert with all three bureaus, and created an FTC Identity XXXX Report.
I also heard back from XXXX and XXXX regarding the disputes I had filed. XXXX removed the hard inquiry from my credit report. XXXX, however, said the hard inquiry was " factual '' and refused to remove it. When I called XXXX about this problem, and told them that XXXX had confirmed that the card was opened fraudulently, the XXXX representative insisted that the hard inquiry was " factual, '' and told me that they would only remove it if they received documentation from XXXX or the FTC.
On XX/XX/2023, I next called XXXX ( the bank issuing the XXXX XXXX credit card ). The XXXX representative informed me that someone had attempted to open a card in my name ( using the same driver 's license number and phone number from the Target application ), on XX/XX/2023, at XXXX XXXX Store # XXXX in XXXX, California. The XXXX representative informed me that the company had not approved the credit card application. The representative voided the application and marked it as fraudulent, so that it could not be reopened or continued in the future.
While I was on the phone with the XXXX representative, she called a Transunion representative and connected them to our call. The XXXX representative and I explained the fraudulent attempts to open a credit card using my name and XXXX, and the Transunion representative stated that they would place a seven-year fraud alert on my credit report, and, as required by law, forward that alert to XXXX and XXXX within 24 hours.
Also on XX/XX/2023, after receiving information from both credit card companies, I opened a case with the XXXX XXXX XXXX, since the applications for the cards were both filed at retail stores in XXXX, California. At the XXXX XXXX XXXX 's request, I sent the officer an email detailing all the information I had learned from the two credit card companies.
On XX/XX/2023, I called XXXX to check if the seven-year fraud alert had been added to my credit report. The XXXX representative told me that they had not received anything from Transunion, and that my account reflected only the initial one-year fraud alert. I also asked if it would be possible to remove the hard inquiry as fraudulent, now that I had confirmation from Target, as well as a case number with the XXXX XXXX. The XXXX representative insisted that that the hard inquiry was " factual, '' and told me that they would only remove it if they received documentation from XXXX or the FTC.
Also on XX/XX/2023, I next called Transunion to ask whether they had placed the seven-year alert and forwarded it to XXXX and XXXX. The Transunion representative confirmed that my Transunion credit report reflected a seven-year fraud alert, and that the alert had been forwarded to both XXXX and XXXX. The Transunion representative recommended that I check back with the other bureaus after XX/XX/2023, because that would give the other bureaus a full week to receive notice and implement the seven-year alert.
On XX/XX/2023, I called XXXX to check the status of the seven-year alert. The XXXX representative confirmed that they had received the notice from Transunion and that my XXXX credit report reflected a seven-year alert.
On XX/XX/2023, I called XXXX to check the status of the seven-year alert. I received conflicting information from XXXX. The first XXXX representative told me that they had received the notice from Transunion, but because my account already reflected the initial one-year alert, they were unable to change the one-year alert to the seven-year alert. I asked to speak to a supervisor who could make this change for me. I was transferred to a second XXXX representative, who told me that they had not received any notice from Transunion. The second XXXX representative told me that I had two options : I could either contact Transunion to confirm that they had sent the notice, or I could send XXXX all of the documentation required for XXXX to place a seven-year alert.
Also on XX/XX/2023, I called Transunion to confirm the status of the seven-year alert. The Transunion representative reaffirmed that Transunion had placed a seven-year alert and notified the other bureaus. I explained that XXXX might not have received the notification, and I asked if it would be possible to send XXXX the notification again. The Transunion representative told me that it was not their policy to do so, and that they would not be able to send XXXX another notice of the seven-year alert. I also asked Transunion if they could send documentation of the seven-year alert directly to me, so that I could forward it to XXXX. The Transunion representative refused, saying it was not their policy to do so.
Also on XX/XX/2023, I called XXXX again to tell them that Transunion had definitely sent the notification of the seven-year alert, and I asked that the seven-year alert be placed on my account. The XXXX representative told me that my only option was to send XXXX all of the documentation required for XXXX to place a seven-year alert.
At this point, I decided to contact the CFPB.
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| 05/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am having an issue with XXXX XXXX and XXXX, Transunion, and XXXX. I have already submitted a grievance on XXXX XXXX on an illegal repossession, disputed the said accounts with XXXX, Transunion and XXXX who all have yet to provide any documentation verifying the correct and valid amount for the debt owed. I never disputed the fact that I owed this amount I only required documentation from XXXX XXXX, XXXX, Transunion and XXXX because I have not received any documentation what so ever from XXXX XXXX.
Today XX/XX/XXXX my credit report was updated adding a {$3100.00} balance increase on the closed account reported by XXXX XXXX bringing my deficiency balance from {$10000.00} to now {$13000.00}.
I found the update odd and a possible mistake since the account in question was reported charged off between XX/XX/XXXX-XX/XX/XXXX and then reported again closed between XX/XX/XXXX-XX/XX/XXXX and is now as of today XX/XX/XXXX is being reported as a profit and loss write off, charged off account fixed rate, and closed.
Today I attempted my now 5th contact with XXXX XXXX this time over the phone my goal of the call was : - To verify that the written certified letter I mailed over 45 days ago was received - To find out how much the car was sold for - And what I currently owed I spoke to 3 representatives who were very nice and beyond helpful and like on all the previous calls before they could give me any information they verified my social security number and current address on file, which happens to be the same address where the said vehicle was repossessed from.
I first spoke to a kind gentleman first asking what my balance was and he reported to me {$10000.00} and I asked him about the credit report updated and he checked on his end and did not see that fee and had no awareness of it. During that call I also inquired how come I had not received any documentation, no mail or emails in reference to the debt owe and reported by Transunion, XXXX and XXXX, nothing about the recent updated balance, nothing about the sale date of the car, nothing. He informed my that my address was never updated in the system until XXXX -- ( 2 months after the car was repoed ) and that documentation was sent to an old address they had on me.
**Please Note : I spoke to a rep the day the car was repossessed back in XX/XX/XXXX to verify my address and contact information so I could pay my debt off and get my car back if possible my car ( I initially being a new California resident wasn't aware how laws worked here and I did not know if I could get my car back at that time ). On my the call in XX/XX/XXXX I was told to call back in 72 hours to find out the status of my car they had no updates that day. I was given an address where I can go get my belongings out of the car and I updated my address, and new job info. The address I reported that day was the same address where XXXX XXXX broke into my private garage breaching the peace and where they illegally repossessed the car according to California Repossession Laws. ** I contacted XXXX in XXXX about six weeks after the repo asking for an update and on that call I verified my address and I was told the car was not sold. After not getting any correspondence and seeing a balance decrease I called XXXX and this time I was told the car had been sold.
Upon my own research I found out that according to California Law I was not required to call back in 72 hours but XXXX was required to provide the following notices to me certified mail, in person or by postage : - Notice of Seizure within 48 hours of repoe - Notice before the sale at least 15 days before the sale date - Option to Reinstate the loan under California Law you can reinstate - Option to Redeem the Vehicle under California Law you can redeem - Notice of deficiency balance itemizing the gross proceeds & expenses incurred - And all Notices by be provided within 45 days to anyone requesting if in writing who's name is on the loan.
I received nothing. I sent a certified letter more than 45 days ago requesting the above documentation and I have as of XX/XX/XXXX not received any correspondence. If in fact my address wasn't updated until XXXX like I was told today for whatever reason I sent a written correspondence XXXX requesting the above documentation and for validation of debt and today it was confirmed by 2 reps that the letter I wrote was received but I have not gotten any response.
During the first call today with the man I spoke to my phone died and I called back to and this time was transferred to a woman named XXXX. XXXX was patient and kind and again before she gave me any information I verified my address like every call and this time updated my phone number. XXXX verified my work phone they had on file which was correct and even the contact information of my employer which were all correct.
I then asked XXXX for my current balance.
XXXX placed me on hold as she reviewed my account and then I was told that the loan balance reported in her system as before fees and interest charges was {$7800.00}, the original principal balance was {$12000.00} and I finally found out that the car was sold for {$4200.00} on XX/XX/XXXX and I currently owed {$10000.00}.
I updated and verified my address several times never received any documentation of the vehicle being sold. I find many contradictions in numbers provided to me by XXXX. The difference of {$10000.00} and {$7800.00} is {$2600.00} which I assume are fees of some sort but what are those fees for.
And if I owe {$10000.00} why would XXXX report I owe {$13000.00} to the credit bureau or why would credit bureaus report an inaccurate and unverified amount! If amount of my loan balance owed after the car was sold was {$7800.00} -- and the report on my credit is {$13000.00} is that is {$5800.00} difference!
Also while on the second call today I asked Ms. XXXX about the certified letter that I mailed back in XXXX inquiring about the debt and requesting documentation of the sale of the vehicle and she told me that the letter was received but she didn't have to respond to me but was instead required to responded to the credit bureau not me about my debt owed -- which further more admits that XXXX XXXX not only illegally repossessed the car, never provide documentation after the repo they incorrectly reported unverified this debt to the credit bureaus whom I also requested validation from and as o f XX/XX/XXXX I have received nothing.
According to the Federal Trade Commission website when a lender provides information to a CRA under the FCRA the lender and both the CRA are obligated to ensure the accuracy of the information furnished and being reported. It is also illegal to report inaccurate information.
My issues with XXXX XXXX, XXXX, Transunion and XXXX - No verification of debt documents from Credit Reporting Agencies - The Credit Reporting Agencies are reporting inaccurate debt amounts - XXXX XXXX illegally breached the people by breaking into an unauthorized key access only garage - XXXX XXXX did not provide documentation one the car was repossessed or sold - XXXX illegally reported inaccurate information to the CRA -
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| 01/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX ( Partial account number : XXXX ), for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I asked this credit reporting company to investigate this report and they also failed to do an actual investigation. I hope that this time the request for information in this complaint will resolve any inaccuracies when submitted. The Fair Credit Reporting Act ( FCRA ) requires that collection companies provide validation and verification of debt before collecting on it. Specifically, Section 609 ( a ) of the FCRA requires that a consumer reporting agency ( CRA ) such as a collections company provide a consumer with such information upon request. I requested validation and verification of the debt they collected and never received it. In this complaint, because my request was never responded to, again, I am officially requesting validation and verification of the debt that was collected by XXXXXXXX XXXX
Detailed Request for validation of the debt : I am requesting a validation of the debt that was collected by XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. TILA addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX assumed the role of collector for esurance. I am requesting detailed proof that the debt was valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector had the legal right to collect on the debt, including the signed terms between the creditor ( esurance ) and collector ( XXXX XXXX ), the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector XXXX XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ). I request XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX fails to validate the debt, I dispute the reporting of this debt, and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX can validate the debt with the above request, I will accept the reporting as accurate.
Detailed Request for verification of the debt : I am also writing within this complaint, a direct and official request for information from XXXX XXXX regarding the original contract of the debt that they collected. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX fails to verify the debt, I dispute the reporting of this debt and request XXXX XXXX to contact the credit reporting agencies to remove the debt report from my credit report, as per 15 U.S.C. 1681s-2 ( a ). However, if XXXX XXXX can verify the debt with the above request, I will accept the reporting as accurate.
It is important for XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting anticipated out of this complaint. Just like all Americans, I believe that my credit report should only contain accurate and verified information.
Sincerely, XXXX XXXX
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| 01/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
20. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
21. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
22. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Thomas Ward Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 09/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files.
FOR XXXX 1. Both the dates under the DOLA and the DOLP are not consisten on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
2. How is it possible that high credit or original amount is being reported inaccurately on my 3B reports when this is from one and the same creditor? There even is a bureau reporting the high credit for this account as {$0.00}. How did that happen if you were verifying information before posting?
XXXX Account Number : XXXX Delete this inaccurate account immediately.
3. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
4. The dates last active do not match on my XXXX Transunion and and XXXX reports.
USDOE/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
5. Why am I looking at a balance amount of {$8800.00} for this particular charged off account? It should not carry any balance at all. Additionally, the high credit amount is inconsistently reported ; different amounts for each report. It is not making any sense!
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report right away!
6. All information must be accurate, verifiable and consistent to all 3 credit bureaus. So, how come that there are no closing dates on my 2 other credit bureau reports ; only 1 bureau reports a closing date for this charged off account. Why is that?
US DEPT ED Account Number : XXXX Please investigate and delete this from my credit file.
7. THIS IS A DUPLICATE ACCOUNT.
US DEPT ED Account Number : XXXX DELETE THIS DUPLICATE ACCOUNT.
8. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
9. This account should not state 120 days late because it is a collection account.. There should be no balance associated with it.
XXXX Account Number : XXXX Remove for FCRA violation.
10. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION.
11. How is it possible that this collection account has a balance amount of {$1900.00} when it should be listed as zero balance? Was there ever a validation done on this account? It does not feel like so.
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
FOR XXXX 1. Both the dates under the DOLA and the DOLP are not consisten on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
2. How is it possible that high credit or original amount is being reported inaccurately on my 3B reports when this is from one and the same creditor? There even is a bureau reporting the high credit for this account as {$0.00}. How did that happen if you were verifying information before posting?
XXXX Account Number : XXXX Delete this inaccurate account immediately.
3. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
4. The dates last active do not match on my XXXX Transunion and and XXXX reports.
USDOE/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
5. All information must be accurate, verifiable and consistent to all 3 credit bureaus. So, how come that there are no closing dates on my 2 other credit bureau reports ; only 1 bureau reports a closing date for this charged off account. Why is that? US DEPT ED Acco
unt Number : XXXX Please investigate and delete this from my credit file.
6. THIS IS A DUPLICATE ACCOUNT.
US DEPT ED Account Number : XXXX DELETE THIS DUPLICATE ACCOUNT.
7. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
8. This account should not state 120 days late because it is a collection account.. There should be no balance associated with it.
XXXX XXXX Account Number : XXXX Remove for FCRA violation.
9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION.
10. How is it possible that this collection account has a balance amount of {$1900.00} when it should be listed as zero balance? Was there ever a validation done on this account? It does not feel like so.
XXXX XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
FOR TransUnion 1. Both the dates under the DOLA and the DOLP are not consisten on all 3 credit bureau reports. This information must be accurate complete and verifiable per the FCRA and the FDCPA XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
2. How is it possible that high credit or original amount is being reported inaccurately on my 3B reports when this is from one and the same creditor? There even is a bureau reporting the high credit for this account as {$0.00}. How did that happen if you were verifying information before posting?
XXXX Account Number : XXXX Delete this inaccurate account immediately.
3. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
4. The dates last active do not match on my XXXX Transunion and and XXXX reports.
USDOE/XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
5. Why am I looking at a balance amount of {$8800.00} for this particular charged off account? It should not carry any balance at all. Additionally, the high credit amount is inconsistently reported ; different amounts for each report. It is not making any sense!
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report right away!
XXXX. TAll information must be accurate, verifiable and consistent to all XXXX credit bureaus. So, how come that there are no closing dates on my XXXX other credit bureau reports ; only 1 bureau reports a closing date for this charged off account. Why is that?
US DEPT ED Account Number : XXXX Please investigate and delete this from my credit file.
7. THIS IS A DUPLICATE ACCOUNT.
US DEPT ED Account Number : XXXX DELETE THIS DUPLICATE ACCOUNT.
8. How can there be a past due on this charge off account?
XXXX XXXX Account Number : XXXX Delete this inaccurate account.
9. This account should not state 120 days late because it is a collection account.. There should be no balance associated with it.
XXXX XXXX Account Number : XXXX Remove for FCRA violation.
10. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE FOR HIPPA VIOLATION.
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| 11/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Today 's Date is : XX/XX/2020 I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention My Accurate legal full name is exactly : XXXX XXXX I do NOT want any name other than what I listed above to be retained or reported.
Please delete any other names that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information.
My Accurate complete address is : XXXX XXXX XXXX, XXXX XXXX, NY XXXX I do NOT want any name other than what I listed above to be retained or reported.
Please delete any other addresses that infringes on my consumer rights OR provide evidentiary PROOF the legal right to retain such information.
My Accurate FULL legal Social Security is : complete address is : XXXX If any other social security number is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other social security number is listed Please delete at once or provide evidentiary PROOF the legal right to retain such information.
My Accurate Full Date of Birth is XXXX If any other date of birth is listed other than what was typed above was NOT provided by me and should NOT to be retained or reported. If any other date of birth is listed, please delete at once or provide evidentiary PROOF the legal right to retain such information.
Thank You!
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX SSN # XXXX D.O.B. XXXX To Whom It May Concern : I recently reviewed my credit profile and noticed inaccuracies and false accusations.
It is my understanding that Under the FCRA 15 U.S.C. S 1681i, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted.
I AM NOW enlisting my consumer rights to compel you to ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with permanent DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated metro 2 data formatted reporting standards according to regulations.
Failure to take appropriate actions to remedy this matter will lead to my civil right to file a lawsuit seeking monetary resolution via a court in my jurisdiction.
Drawing from my research and complete comprehension You nor any entity is permitted to keep any non-compliant information, particularly upon it being challenging any or all of the excerpts, dated assignments, ledger balances, audited details, documents of identification, each of the 426-character format fielded P6 statements, pay status codes, alpha-/ numeric-/ and or alphanumeric source codes. Further certificate firmly every single one even each any and or all of the minimal five ( 5 ) portioned personal identifiers, and even the unabbreviated 386 pieces of confirmation to collect.
The FOLLOWING derogatory accounts allegations are either UNTRUE, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately, do so TODAY, even right NOW! The obvious infractions are as follows : Alleged Creditor : XXXX/XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
Alleged Creditor : XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
Alleged Creditor : XXXX XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
Alleged Creditor : XXXX XXXX - XXXX, Identity Theft Explanation : Provide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
Alleged Creditor : -, Explanation : P
rovide Physical Proof of Verification. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc. Alleged Creditor : -, Explanation : Provide Physical Proof of Verification
. This is a non-compliant allegation and has not been validated and true. Unless you provide testimony to facts are physically certified, this claim is unlawful to report. DELETE OR PROVE every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes, etc.
As you are aware, federal and my state laws dictate that all claims be physically proven to its 100 % truthfulness, 100 % correctness, 100 % completeness, 100 % timeliness and 100 % in compliance otherwise every single item even each or all of the related regulations, mentioned or that if any or each item being reported is challenged for its legal reportability in which case and I am doing such, I demand as my legal rights allows that you follow the mandated as required by Data Furnisher to demonstrate in unabridged sufficiency of the facts exactly as composed and relayed to you. This includes a substantial display of all law requisites such as proof of documented identity of the individual alleged as having ownership or proven responsibility of alleged accounts which are still making unfounded claims in my report.
I am seeking every notation, date, balance, total,426CHRC, P6 statement, identifier, and all 386 pcs of confirmation, notes as well as anything even unknown to be provided with required documentation. Otherwise, DELETE PROMPTLY if there is any deficiency to provide the requested information as Federally defined in a timely manner.
I am sincerely appreciative to your full attention to my request ; and your cooperation in speedily bringing my credit report into Compliance. Have a wonderful Day.
Thank You, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX D.O.B. XX/XX/XXXX
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| 06/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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COVID-19 Loan Modification is reported as Paying partial payment agreement Credit Reports are showing Unknown or Data Unavailable status rather than Current during the duration of the COVID-19 Forbearance The month the Loan Mod was executed shows no data, all later months have incorrect Scheduled Payment amounts which do not match the amount billed ( which is the amount that was paid ) TransUnion is reporting XXXX and XX/XX/XXXX as in Forbearance The COVID-19 related protected status does not seem to be reflected from XX/XX/XXXX ( month entered into COVID-19 forbearance ) and XX/XX/XXXX ( first month of COVID -19 Loan Modification Trial Period ) XX/XX/XXXX Phone call with XXXX XXXX XXXX XXXX states we do not report forbearance as current transfers to escalations Escalations Agent believes all information was input correctly on their side reported as current will verify Incorrect scheduled payment amount will dispute TransUnion shows forbearance in XXXX & XXXX XXXX will verify Loan Modification is always reported as Partial Payment Agreement Agent believes that only the COVID-19 forbearance is protected under the CARES Act, not the Loan Modification We provided link to FDIC reporting instructions may be outdated Asked to send letters involving forbearance and loan modification 1 to 2 business days Advised to call back XX/XX/XXXX Advised that nothing needed to be submitted in writing XX/XX/XXXX Received letters from XXXX XXXX documents only. Incorrect Loan Modification and the loss mitigation packet that was not required for COVID-19 impacted loans. I believe that the core issue with the reporting is the same issue we had with the servicer multiple times failure to treat the loan as a COVID-19 impacted loan in addition to data entry errors.
COVID-19 Impacted XXXX In XX/XX/XXXX, I notified my mortgage servicer, XXXX, that my employer was going to be implementing pay cuts that may affect my ability to make timely payments. On XX/XX/XXXX, I was permanently laid off. I immediately contacted XXXX and was told I would qualify for a COVID-19 forbearance. XXXX informed me that XXXX payment would still be made as scheduled. XXXX payment was also auto withdrawn, though I was told that would not happen.
On XX/XX/XXXX, a letter was sent outlining the COVID-19 forbearance terms. The first three bullet points are as follows : Payments are suspended for up to 6 months.
Credit will report as current and active on the COVID-19 Forbearance Plan.
The loan will report to the credit reporting companies as current and active on a forbearance plan.
This letter outlined {$0.00} payments from XX/XX/XXXX XX/XX/XXXX XXXX XXXX sent monthly emails asking if my income was still affected by COVID-19, which I answered in the affirmative. I was able to make full, timely payments through XX/XX/XXXX.
In XX/XX/XXXX, I was called by the servicer to ask about my missed payment in XXXX. I informed them of the COVID-19 forbearance plan, which they were able to access after around 10 minutes.
On XX/XX/XXXX, a letter was sent outlining the COVID-19 forbearance terms. The first three bullet points are as follows : Payments are suspended for up to 6 months.
Credit will report as current and active on the COVID-19 Forbearance Plan.
The loan will report to the credit reporting companies as current and active on a forbearance plan.
On XX/XX/XXXX, a letter was sent outlining the COVID-19 forbearance terms. The first three bullet points are as follows : Payments are suspended for up to 6 months.
Credit will report as current and active on the COVID-19 forbearance plan.
The loan will report to the credit reporting companies as current and active on a forbearance plan.
This letter also outlined the {$0.00} payments due from XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX, I reached out to the servicer to discuss next steps. At this time, I also added my wife as an authorized representative on the account. The servicer advised that a Mortgage Assistance Application needed to be filled out and submitted ( which I later found to be incorrect as I was affected by COVID-19 ). That was complete and sent the following morning.
On XX/XX/XXXX, a letter was sent informing of an approval for a Flex Modification, however the terms were that of a normal modification rather than a Covid-19 Flex Modification ( interest rate at 4.125 % rather than 2.875 % ). My wife called immediately, and after explaining the error multiple times had the issue escalated to a supervisor.
On XX/XX/XXXX, she was contacted by the servicer to inform us that there was indeed an error, and we would be receiving the Covid-19 Flex Modification details soon.
On XX/XX/XXXX, a letter was sent outlining the terms of the COVID-19 flex modification. The trial period included three payments of {$1300.00} due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.
At some point during the Trial Period, a letter was sent from the servicer notifying me that the loan was delinquent and if I did not contact them the foreclosure process may start. I contacted them immediately, and they told me it was an error and to ignore the letter.
On XX/XX/XXXX, the Loan Modification Agreement was sent.
On XX/XX/XXXX, the fully executed copy of the modified loan was sent.
The payments made during and after the modification trial period are as follow : XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} *** XX/XX/XXXX : {$1300.00} XX/XX/XXXX : {$1300.00} ***This month was a strange number and may be contributing to other issues, but it was the amount listed on the billing statement.
Currently, the mortgage payments show as Unknown from XX/XX/XXXX XX/XX/XXXX, Current, paying or paid as agreed XX/XX/XXXX, Unknown XX/XX/XXXX XX/XX/XXXX, Current, paying or paid as agreed XX/XX/XXXX - XX/XX/XXXX. The remark on the account is Paying partial payment agreement, nothing seems to be coded as a COVID-19 agreement.
On XX/XX/XXXX, XXXX alerted me of a Major Derogatory from XXXX XXXX. It looks like your account with XXXX XXXX received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer.
XXXX top-level breakdown is showing one account over 90 days delinquent, which is almost assuredly the mortgage. This mortgage is not nor has ever been considered delinquent, and every payment made since XX/XX/XXXX has been the exact amount listed on the billing statement. Further, my credit report shows that they were not, in fact, reporting the mortgage as current and active on a Covid-19 forbearance plan throughout the forbearance period.
Again, I am requesting that the payment and delinquency history be modified to current, as set forth in the terms of the COVID-19 forbearance plan, and in compliance with the CARES Act. There should be no late or delinquent payments reported. The payment amount reported after the execution of the loan modification should be the amount that is listed on the billing statement. Paying under a partial or modified payment agreement should be removed, as this was a COVID-19 Loan Modification accommodation.
|
| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
17. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
19. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
21. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
22. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
23. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
24. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
25. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
26. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
27. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
28. XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
29. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank You, Sincerely, XXXX XXXX
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| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - XXXX XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - ( XXXX XXXX XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX DP OF EDUC XXXX XXXX ) - ( XXXX ) XXXX To whom it may concern : I am officially asking you to review your data on file for me! Per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681 I ) and METRO 2 compliance standards, I challenge all inaccuracies and deficiencies of reporting. Per the FCRA and METRO 2 compliance standards, my profile shall be accurate and complete. Your verification of the information shall be timely, and you should be able to document and provide proof of your verification process of all the information within my credit report. The information in my credit report and below was never proven factual or compliantly reported. I have consumer rights, and I am deciding to exercise those rights to demand that factually accurate, verified, and compliant data be documented and included on my credit report. I also require the permanent removal of any inaccuracies immediately! I also demand that you investigate the source of each account and ensure that each creditor has a permissible purpose for all inquiries within my credit profile.
Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/2021 I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified Summary of Accounts being challenged in list form XXXX ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - XXXX XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX UXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX DP OF EDUC XXXX XXXX ) - ( XXXX ) XXXX
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| 04/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX New York XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
2. Identity Theft XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
5. Identity Theft XXXX XXXX XXXX Account XXXX : XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
8. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. Identity Theft XXXX Date of inquiry : XXXX Please remove it from my credit report.
11. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to request your assistance and intervention in resolving a matter of utmost importance to me the accuracy and integrity of my credit report. The purpose of this communication is to address a series of violations I believe have occurred under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) by multiple creditors, as detailed below : Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to FCRA Section 611, I dispute the presence of this unauthorized inquiry on my credit report. I have no recollection of authorizing this inquiry, and it may be potentially fraudulent.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I dispute this inquiry as well, invoking FCRA Section 611. I have never had any business relationship with this company, and there is no valid reason for this inquiry to appear on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is disputed in accordance with FCRA Section 611. I have no history of engaging in any business dealings with this company, and the presence of this inquiry on my report is unwarranted.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Under FCRA Section 611, I dispute this inquiry, and I also request a thorough verification of the payment status, balance, comments, payment history, and account number, as these details may be incorrect.
XXXX XXXX XXXX XXXX XXXX XXXX ) : I dispute this inquiry pursuant to FCRA Section 611. I have never had any business relationship with XXXX XXXX, and I request its removal from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this inquiry as well, in adherence to FCRA Section 611. No valid authorization exists for this inquiry, and it should be removed from my report immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Similarly, this inquiry is disputed under FCRA Section 611. There is no basis for its presence on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In accordance with FCRA Section 611, I dispute this inquiry and also request a thorough verification of the payment status, balance, comments, payment history, and account number for accuracy.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Pursuant to FCRA Section 611, I dispute this inquiry. I have no business relationship with this company, and it should be removed from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inquiry is disputed under FCRA Section 611. Additionally, I request a comprehensive review of the payment status, balance, comments, payment history, and account number to rectify any potential inaccuracies.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In adherence to FCRA Section 611, I dispute this inquiry. There is no legitimate reason for it to be present on my credit report, and I request its removal.
Inaccurate Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Pursuant to FCRA Section 611, I dispute the presence of this account on my credit report. I have never had any business relationship with this company, and there is no valid reason for this account to belong to me.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is disputed in accordance with FCRA Section 611. I have no history of engaging in any business dealings with this company, and it should not be associated with my credit history.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I dispute this account pursuant to FCRA Section 611. I have never had any business relationship with XXXXXXXX XXXX and it should not be listed on my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In accordance with FCRA Section 611, I dispute this account. I have no valid association with this company, and it should not be reflected in my credit history.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : I dispute this account under FCRA Section 611. Additionally, I request a comprehensive review of the payment status, balance, comments, payment history, and account number to rectify any potential inaccuracies.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to FCRA Section 611, I dispute this account. I have no business relationship with this company, and it should be removed from my credit report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account is disputed under FCRA Section 611. Additionally, I request a comprehensive review of the payment status, balance, comments, payment history, and account number to rectify any potential inaccuracies.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : In adherence to FCRA Section 611, I dispute this account. There is no legitimate reason for it to be present on my credit report, and I request its removal.
These violations have had a profound impact on my life, both financially and emotionally. Allow me to share a personal story that vividly illustrates the emotional turmoil and distress I have endured due to these inaccuracies : In XXXX, I embarked on the journey of purchasing my first home. It was a momentous occasion, one that I had spent years meticulously planning for and eagerly anticipating. With dreams of a secure and stable future for my family, I eagerly sought mortgage approval from my lender, only to be met with the devastating news that my credit score was significantly lower than expected. This inexplicable drop in my credit score was the result of these erroneous inquiries and accounts.
The consequences were heart-wrenching. My mortgage application was rejected, and I was forced to delay my dream of homeownership indefinitely. The emotional toll was immense. I had promised my family a place to call home, and I felt as though I had failed them. The disappointment in my loved ones ' eyes was a weight I could hardly bear.
Beyond the lost homeownership opportunity, these inaccuracies have hindered my ability to secure favorable interest rates on loans, obtain credit for necessary household expenses, and even pursue new job opportunities, as employers often scrutinize credit reports during the hiring process.
I have made every effort to rectify these issues directly with the respective creditors and credit reporting agencies, but my attempts have yielded limited results. Therefore, I respectfully request that the Consumer Financial Protection Bureau intervene to enforce my legal rights under the FCRA and FACTA.
Specifically, I kindly ask that you investigate and ensure that the mentioned creditors promptly remove these unverified accounts from my credit report, in accordance with the FCRA ( Section 611 ), and that any unauthorized inquiries be appropriately addressed.
I am grateful for your attention to this matter and for your commitment to protecting consumers ' rights. Your intervention would not only rectify a grave injustice but also help me regain the financial stability and peace of mind that I have tirelessly pursued.
Thank you for your prompt attention to this request. I eagerly await your response and resolution of this matter.
Sincerely, XXXX XXXX XXXX
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| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.
I have the right to privacy.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX Date of inquiry : XX/XX/XXXX 13. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 14. XXXX Date of inquiry : XX/XX/XXXX 15. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Delete this account.
16. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 17. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account.
18. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
19. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX 21. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX 22. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 24. The inquiry was not authorized XXXX XXXX - Date of inquiry : XX/XX/XXXX 25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 29. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 31. The inquiry was not authorized XXXX C Date of inquiry : XX/XX/XXXX 32. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 33. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 34. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 35. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 36. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 37. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
38. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 39. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 40. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX 41. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 42. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 43. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
44. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 45. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 46. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
47. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
48. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
49. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Delete this account.
50. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account.
51. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 52. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX GA XXXX XXXX there is some inaccurate information reporting.
XXXX Account Number : XXXX Delete this account.
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| 08/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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To Transunion This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be validated or removed immediately : 1. 15 USC 1681 ( a ) ( 4 ) infringed upon a consumers right to Privacy XXXX XXXX Bankruptcy Case Number : XXXX I DEMAND XXXX dollars for each violation as you have caused severe damage to my character.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Under 15 USC 1666B, I demand you to update the payment record in this account.
22. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN ERROR THIS ACCOUNT IN VIOLATION XXXX XXXX Account Number : XXXX Under 15 USC 1666B, I demand you to update the payment record in this account.
23. Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.
XXXX Account Number : XXXX As a consumer I have a right to privacy. By law this account must be deleted immediately.
XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.
XXXX Account Number : XXXX Please ensure that all information is accurate. If not proven delete this immediately.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.
XXXX Account Number : XXXX Please ensure that all information is accurate. If not proven delete this immediately.
I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
Failing that, the item must be deleted from the report as soon as possible. This information is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your investigation.
In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Thank you for your time and help in this matter.
Sincerely yours, XXXX XXXX
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| 05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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RE : You Violated the United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final writtenOFFER OF SETTLEMENT BEFORE LITIGATIONas my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file.I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well asINACCURATE ERRONEOUS ITEMSsent to you previously will also become part of aformal complaint to the Federal Trade Commissionand shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) .Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that underSection 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2.What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3.My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that I incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable or Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. The following personal information is incorrectIncorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Anypersonwho willfully fails to comply with any requirement imposed under this subchapter with respect to anyconsumeris liable to thatconsumerin an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by theconsumeras a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a naturalpersonfor obtaining aconsumer reportunder false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumeras a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Anypersonwho obtains aconsumer reportfrom aconsumer reporting agencyunder false pretenses or knowingly without a permissible purpose shall be liable to theconsumer reporting agency for actual damages sustained by theconsumer reporting agencyor {$1000.00}, whichever is greater.
*Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting ActSection 611 ( a ) ( 1 ) ( A ). Be advised that thedescription of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be providedwithin ( 5 ) days of the completion of your re-investigationand I am keeping a careful record of your actions, including your Method of Verification.I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington, D.CXXXX 205CC XXXX Consumer Financial Protection BureauCC : Attorney Generals OfficeCC : XXXX XXXX XXXXCC : State SenateCC : Federal Deposit Insurance CorporationCC : Comptroller Of The CurrencyCC : Federal Reserve SystemCC : Credit and insuranceCC : Federal Trade CommissionCC : State Regulatory agencyCC : California Regulatory agency Division of consumer complaints Sincerely, XXXX XXXX XXXX
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| 07/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The currently reported XXXX XXXX with account number displayed as XXXX XXXX on my Trans Union report, shown as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report, and alleged as this information is NOT REPORTED on XXXX in this reported claim on my XXXX report. Any inconsistency, incompleteness, inaccuracy, or omission of the reported item serves as a anomaly from the mandatorily utilized reporting industrys own Metro 2 Datafilled Field Formatted reporting compliance standards, of which there can be NO DEVIATION without JEOPARDIZING THE INTEGRITY OF THE DATA ( see CDIA CRRG 3-4 ) and as so is lawfully questionable until evident confirmation of all aspect ( s ) of claim ( s ) are factually true, correct, complete, timely, physically verifiable, and elsewise undeniably valid particularly if not certifiably compliant in full according to the above-mentioned Metro 2 formatted industry requirements. With that in mind, please consider the following suspect reported data fields alleged for this now contested reported item of injury : In regard to item questioned above, Data Reporter Identification Number reported as Not Reporting for XXXX, XXXX for Trans Union, and as Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting decree ( s )!
Regarding the item questioned above, Data Reporter Street Address reported as Not Reporting for XXXX, XXXX XXXX XXXX for Trans Union, and as Not Reporting for XXXX for XXXX and as such are one or more, according to protocol, deficient of its exigency of reporting obedience!
In regard to item questionably reported above, please note that Activity Date is reported as XX/XX/2023 for XXXX, XX/XX/2023 for Trans Union, and as Not Reporting for XXXX are one, two, or each apparently in potential deviation from the requisite standard ( s ) for the compliant reporting, thereby making such reported claims a concern due in part to lesser integrity of data as reported ( per CRRG3 - 4 ). As reported, there can be NO deviation from the requisite standard ( s ) for the compliant reporting of Data fields within any Metro 2 Field nor else wise in regard to this mandatorily accurately depicted data field.
With respect to item questioned above, Portfolio Type ( Account Type-Detail ) : reported as Not Reporting for XXXX, Not Reporting for Trans Union , and as Not Reporting for XXXX and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards.
Against the item questioned above, Scheduled Monthly Payment Amount : reported as Not Reporting for XXXX, Not Reporting for Trans Union, and as Not Reporting for XXXX and as such is one, each or all in deviation from the requisite standard ( s ) and or is not proven much less certifiably compliant to its regulatory mandates as its a sin XXXX non for compliant reporting and as such are one or more apparently deficient of its exigency of reporting sufficiency and or amenability!
In cognizance to the item questioned above, Account Credit Limit : reported as Not Reporting for XXXX, Not Reporting for Trans Union, and as Not Reporting for XXXX and as such is in apparent deviation from the requisite standard ( s ) for certifiably compliant reporting, hence the genesis of my rightful consumer complaint contesting reporter 's privilege to report this claim unless it accepts and successfully fulfills the challenge to prove indisputably its confirmed and demonstrated adequacy of reporting practices and process to include no less than the full adherence of their required perfection and completeness of the Credit Reporting Industry 's mandatorily utilized Metro 2 Format standards, and as such are one or more likely deficient of its exigency of reporting edict, and as such are one or more for all intents and purposes surely deficient of its exigency of reporting proficiency and or expected appropriateness!
On the subject of the item questioned above, Data Reporter City, State, and Postal Zip Code reported as Not Reporting for XXXX, XXXX, VA, XXXX for Trans Union, and as Not Reporting for XXXX and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting acquiescence. This field, as reported, is a divergence from the established CDIAs reporting standards and or is evidently reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting proclivity! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards.
With reference to item questioned above, ECOA Code : reported as Derogatory for XXXX, Derogatory for Trans Union, and as Not Reporting for XXXX and as such is one, each or all in aberrancy from the requisite standard ( s ) and or is not proven much less certifiably compliant to its principal mandates as its relevant and consequential for compliant reporting. This field, as reported, is a divergence from the established CDIAs reporting standards and or is reported one or more of being untrue, inaccurate, inconsistent, incomplete, untimely, unverifiable, and or else wise not confirmed certifiably compliant to all mandates for ethical and lawful reporting! Clearly, this field asserts that potentially this item of reporting is or is not yet unproven to be an aberrancy at issue with reporting accuracy and or compliance standards.
In regard to item questioned above, Account Status : reported as Closed for XXXX, Open for Trans Union, and as Not Reporting for XXXX and as such are one or more having the appearance of being deficient of its exigency of reporting devoir and or decorum elsewise! I here now file a written challenge to and for the accusing data reporter and for each any and all of the accepting data reporting repositories to factually attest to thereby corroborating at least the minimally required adequacy of its own reporting and in doing so naturally satisfying the minimal criterion to have utilized their obviously previously-takenfor- granted benefit to report.
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| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In reference to my CFPB complaint Ref # XXXX submitted on XX/XX/2022 ; The following items on my Trans Union credit report XXXX XX/XX/2022 ) were disputed for 100 % accuracy, correctness, and verification as per FCRA 15 USC Sec 1681i ( a ) ; where any unverified and/or inaccurate accounts must be deleted.
I also ask you to ascertain that the creditor had permissible purpose and was able to verify my complete file information to include Full Name, Address, Date Of Birth, and SSN # ; as per Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. Also under the FCRA, unverified and inaccurate accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
These are the following accounts you claimed to have investigated as per CFPB complaint Ref # XXXX ( XX/XX/2022 ) : Trans Union XXXX XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Open Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Account Status Is Reporting Inaccurately Last Payment Date Is Reporting Inaccurately Payment History Is Reporting Inaccurately Account Rating Is Reporting Inaccurately This is grounds for removal.
Trans Union stated that XXXX XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Reported Is Reporting Inaccurately Date Opened Is Reporting Inaccurately This is grounds for removal.
Trans Union state that XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Balanced Owed Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal.
Trans Union state that XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal.
Trans Union stated that XXXX XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Account Number Is Reporting Inaccurately Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute High Balance Is Reporting Inaccurately This is grounds for removal.
Trans Union stated that XXXX XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute High Balance Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal.
Trans Union state that XXXX and Acct # XXXX, was properly investigated, but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Payment History Is Reporting Inaccurately This is grounds for removal.
Trans Union stated that XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute Account Status Reporting Inaccurately Payment History Is Reporting Inaccurately This is grounds for removal.
Trans Union stated that XXXX XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately High Balance Is Reporting Inaccurately Date Open Is Reporting Inaccurately Last Payment Date Is Reporting Inaccurately Payment History Is Reporting Inaccurately This is ground for removal.
Trans Union stated that XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Reported Is Reporting Inaccurately Date Open Is Reporting Inaccurately Payment History Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute This is ground for removal.
Trans Union stated XXXX and Acct # XXXX, was properly investigated but how is that possible if : Date Of Last Activity Is Reporting Inaccurately Date Reported Is Reporting Inaccurately Date Open Is Reporting Inaccurately Payment History Is Reporting Inaccurately Dispute Status Shows Account Not In Dispute This is ground for removal.
15 USC 1681i ( a ) ( 5 ) ( A ) : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
15 USC 1681e ( b ) : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
15 USC 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states ; if items are found inaccurate or can not be verified, the consumer reporting shall promptly delete the information from the file of the consumer.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1681 Section 611 ( 2 ) ( a ) : Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
Attached To This Complaint : Initial CFPB complaint Ref # XXXX ( XX/XX/2022 ) XXXX Credit Report ( XX/XX/2022 ) XXXX Credit Report ( XX/XX/2022 ) ( XXXX ) Credit Reports ( XXXX XXXX, XXXX and XXXX XXXX, XXXX ) following my initial complaint to show there was no proper investigation completed and these items should be deleted.
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| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I am XXXX XXXX and Im submitting this complaint myself and and there is no third party involved. I sent XXXX an XXXX XXXX XXXX, XXXX of Particulars and Cease and Desist that was sent and delivered around XXXX XXXX according to USPS. XXXX did not review my concerns or attempt to provide the information that I requested. XXXX sent me my documents back as if they did not care about my concerns of my consumer rights being violated. XXXX has violated my cease and desist. XXXX has committed numerous violations of my consumer rights including but not limited to 15 USC 1692b ( 2 ), 15 USC 1692j ( a ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 7 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 10 ), 15 USC 1692f and many more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. XXXX committed numerous crimes against me including but not limited to 18 USC 1341, 18 USC 3718, 18 USC 1028A and more which has been outlined in an Affidavit of Truth that was sent to them and delivered with a signed return receipt as proof of delivery. XXXX has yet to provide a sufficient response and presented me with insufficient information/documents to prove the alleged debt belongs to me and report false and fraudulent information in an attempt to compromise my financial reputation, cause emotional distress, defamation of character and other unseen injuries. XXXX recently stole my vehicle as an attempt coerce me into paying an alleged debt that does belong to me nor do I owe. I demanded that XXXX send me the following information to prove that the alleged debt was mine : ( 1 ) Name and address of the original creditor who created the debt, ( 2 ) Name on file of alleged debtor, ( 3 ) Alleged account #, ( 4 ) Address on file for alleged creditor, ( 5 ) Amount of alleged debt, ( 6 ) Date this alleged debt became payable, ( 7 ) Date of original charge or delinquency, ( 8 ) Was the debt assigned to a debt collector, ( 9 ) Amount paid of debt purchased, ( 10 ) Commission for debt of collection efforts are successful, ( 11 ) Documentary evidence that this agency is in fact the holder in due course, & ( 12 ) Certified copy of the original negative information notice required by FCRA Section 623 ( 7 ) ( A ). XXXX responded with a fraudulent contract that they alleged I signed but it did not have my wet ink signature on it. Presenting me with this fraudulent contract has been construed as them attempting to not only hide evidence but commit fraud against me in an attempt to pay an alleged debt they can not prove is mine. XXXX presented me with a fraudulent contract as their proof of the alleged debt, that did not fully disclose all accurate and truthful information in the loan contract. XXXX gave a response that was not sufficient as they did not provide all the information requested above. They are unable to produce an original contract with my wet ink signature because they do not have one and can not prove that I initiated this consumer credit transaction. XXXX defaulted on the Affidavit of Truth. Pursuant to 15 USC 78m ( q ) ( 1 ) ( c ) a payment means that is made to further the commercial development of oil, natural gas, or minerals. XXXX ttempts to collect payment are a violation of federal law, and the contract stating payments on the loan is deceptive as well as null and void. XXXX has continued to violate 15 USC 1681 ( a ) ( 1 ), 15 USC 1681b ( 2 ), 15 USC 1692e ( 8 ), 15 USC 1692e ( 2 ) ( A ), 15 USC 1692e ( 10 ) and 15 USC 1692f by claiming I owe an alleged debt and by falsely and fraudulently reporting information they know is not true to consumer reporting agencies in an attempt to use unfair and deceptive means to make me pay an alleged debt I do not owe and they can not prove I owe and by doing so without my written permission to do so. I demanded in writing that XXXX stop reporting this false, fraudulent information and alleged debt to consumer reporting agencies and furnishing my report with this false, frivolous and fraudulent information. XXXX continues to report to consumer reporting agencies, without my consent, that I owe an alleged debt however that alleged debt is being reported in a positive balance. It is impossible to pay/owe on a positive balance, if it was an actual debt and is owed it should be shown in the negative. The promissory note that I signed to get the loan is actually a credit instrument that was used in order to grant bookkeeping entry into the loan account which is equivalent to money. The alleged debt was already paid for with the signing, delivery, acceptance, and deposit of the promissory note. The moment I signed its blank indorsement and XXXX took and made it a special indorsement according to UCC 3-205. Pay to the order of and its then negotiated for face value or close to it. This alleged debt is not an actual debt. The United States government created a bond ( which is my birth certificate ) with which negotiable instruments may be issued. My bond and social security number provided the security interest for the consumer credit transaction. Security which covers all obligations or alleged obligations which is that of the United States government pursuant to 18 USC 8. The United States has also issued full faith and credit on my bond as evident by article number XXXX. I attempted to use a negotiable instrument as payment as an attempt to decrease the national debt, which is my lawful right. that was sent to XXXX. XXXX is refusing to accept my negotiable instrument as form of payment and apply it to the account which is my consumer right and is backed by federal law that overrides their companys policy. My account is associated with an open ended consumer credit plan and XXXX has failed to balance out my account every month to rectify their bank error caused by their mismanagement of payment. XXXX has yet to produce an Insurance audit trail, a money audit trail in accordance with GAAP, or full disclosure in accordance with 15 USC 1681g and all other documentary evidence in accordance with 15 USC 44 which I demanded. Pursuant to 31 USC 3718 XXXX has to have a contract with the Treasury in order to even collect an alleged debt which XXXX does not have. I also informed XXXX that a sufficient response to my Affidavit of Truth was an affidavit with rebuttal, point for point anything else would constitute as a non-reasonable response and that not only does my unrebutted affidavit stand as truth in commerce. As a result of these documents being sent ( Affidavit of Truth, Bill of Particulars and Ceased and Desist ) to restore my financial reputation, XXXX has stolen my vehicle, and enlisted the help of a third party, which is an attempt to discriminate against me pursuant to 15 USC 1691 ( a ) ( 3 ) and an attempt to coerce me into paying the alleged debt pursuant to 10 USC 921. Pursuant to 12-1641, as XXXX has failed to resolve my concerns within sixty days this alleged debt must be discharged. As XXXX continues to attempt to commit fraud and racketeering against me and violate my consumer rights I will be forced to take necessary actions.
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| 11/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Accounts 1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX XXXX 2. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX 4. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX GA 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 7. XXXX XXXX Date of inquiry : XX/XX/XXXX 8. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 11. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 12. XXXX XXXX Date of inquiry : XX/XX/XXXX 13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 14. XXXX XXXX Date of inquiry : XX/XX/XXXX 15. XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX 16. XXXX Date of inquiry : XX/XX/XXXX 17. XXXX XXXX Date of inquiry : XX/XX/XXXX 18. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. there is some inaccurate information reporting.
XXXX Account Number : XXXX Delete this account.
20. there is some inaccurate information reporting.
XXXX Account Number : XXXX Delete this account.
21. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
22. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
23. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
24. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX 25. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX GA 26. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX 27. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, GA XXXX 28. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX. The inquiry was not authorized XXXX XXXX - Date of inquiry : XX/XX/XXXX 30. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 32. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 33. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 34. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 36. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 37. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 38. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 39. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 40. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 41. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 42. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 43. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 45. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 46. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX 47. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 48. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 49. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX 50. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
51. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
52. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
53. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
54. there is some inaccurate information reporting.
XXXX XXXX XXXX Account Number : XXXX Delete this account.
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| 09/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am very frustrated that the included information below in my credit profile and that the credit bureaus have failed to maintain reasonable procedures in operations to assure maximum possible accuracy in the credit reports being published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Recently I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure were reporting 100 % correct. You are in violation Of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/Invalidated Credit Information . Im a natural person my name is XXXX XXXX and the credit bureaus have violated my rights. After any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified as accurate, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Ive sent out dispute letters, and evidence supporting my dispute to resolve any issues. I do not want any of the Credit bureaus to update any more information, they had their chance to verify everything several times and now litigation will come if these items are not deleted!!!!
Re : Method of verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Who in your company verified these accounts? How did they verify them? Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation.
Items Highly Requested 1. The name of the original creditor. 2. The creditors address and telephone number. 3. The persons name they verified the dispute with. 4. The Valid documentation is used to validate the dispute. 5. Also, the procedures your company has in place to ensure each account is 100 % correct which I doubt. 6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY {$1000.00} per VIOLATION YOU ARE COMMITTING.
The following information is required. Please fill out the form below in its entirety.
1. Name and address of Alleged creditor : 2. Name on the file of the alleged debtor : 3. Alleged Account # : 4. Address on file for alleged debtor : 5.Amount of alleged debt : 6. Date this alleged became payable : 7. Date of original charge off or delinquency : 8. Was this debt assigned to a debt collector or purchased? 9. Amount Paid if the debt was purchased : 10. Commission for a debt if collection efforts are successful : Please attach copies of the following : 2. Agreement with your client that grants XXXX XXXX XXXX the authority to collect 3. this alleged debt.
4. Original wet ink Signed agreement Debtor has made with Debt Collector, or another verifiable proof Debtor has a 5. contractual obligation to pay a Debt collector.
6. Any agreement that bears the original wet ink signature of Debtor, wherein agreed to pay Creditor.
7. All statements while this account was open.
8. Have any insurance claims been made by any creditor regarding this account?
9. O Yes 10. O No 11. Have any Judgements been obtained by any creditor regarding this account?
12. O Yes 13. O No 14. Please provide me the name and address of the bonding agent for XXXX XXXX XXXXXXXX in case legal action become necessary : __________________________ Date : Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transfer agreements, which would establish your right to collect this alleged debt within 30 calendar days from the date of receipt of this letter.
Your Claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for Validation made pursuant to the Fair Debt Collection Practices Act.
Accounts : XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures I am requesting this information to review for completeness and accuracy, and appropriateness. If you fail to comply with this request and send all documentations that prove you have seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this complaint may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting Refer to 18 U.S. Code 242- Deprivation of Rights under color of law. Also, refer to U.S. Code 241- Conspiracy against rights, your company, and the creditor equals two or more persons conspiring against my rights and privileges secured to me by the U.S. Constitution.
15 U.S.C 1681 section 602 A, States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not famish an account without my written instructions.
Sincerely, XXXX XXXX
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| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am beyond disgusted and shocked at how Transunion treated me and my credit report. After 8 months of disputing and trying to get information corrected on my credit reports I finally called them today. First there was a XXXX I spoke to and he said that there have been investigations but had no dates or report numbers to give me. Also advised that I have not gotten a single investigation report in the mail. NONE. Only information that has been sent to me is notices to provide more info on ID and also a Reinvestigation Procedure. But not one single report at all!!!! So how are they conducting this investigation without giving me a report? This is unacceptable. I told him to provide me the details of this SUPPOSIVE report but could not provide me with that information either.
I was transferred then to XXXX ( supervisor ) where I asked him as well how has this been going on for months when I havent gotten a single disclosure report or investigation results in the mail but yet state there has been an investigation done. He also told me the reports have been sent out but to the address listed on the report of XXXX XXXX XXXX XXXX XXXX, FL XXXX. Which I have told them that does not belong to me since I began the disputes in XX/XX/XXXX. Also how can the reports be sent there but I continue to get notices to the correct address XXXX XXXX XXXX Terr Homestead, FL XXXX asking for more information and also the simple response they provide for investigation procedures.
Investigation results provided finally on XX/XX/XXXX dated XX/XX/XXXX file number XXXX did not consider all relevant information as required by the FCRA Section 623 ( a ) ( 4 ) listed in my dispute which is a violation and indication there was no investigation properly done still reporting inaccurate accounts on my credit report.
Bankruptcy XXXX Disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX How can this account be investigated if the date updated XX/XX/XXXX on the results dated XX/XX/XXXX file # XXXX with no compliance code ( base segment field 20 ) as required by the credit reporting agency to add the correct codification while the account is in dispute as listed under the FCRA Section 611 ( c ). Which is a clear indication no investigation has been done by Transunion.
This account is unverified and must be deleted immediately.
Furthermore attached is a copy of my XXXX report where there is no bankruptcy listed but Transunion is stating this is where the information is coming from.
XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX How can XXXX be accurate when the information has not been consistent XX/XX/XXXX thru XX/XX/XXXX reports show the account status was a charge off that was opened XX/XX/XXXX with a credit limit of {$190.00} with a close date of XX/XX/XXXX but then my report on Credit reported on XXXX/XXXX/XXXX the account status was current account with a credit limit of {$3200.00} and a closed date of XX/XX/XXXX.
Credit report on XX/XX/XXXX the account status is back to charge off with a credit limit of {$190.00} and a close date of XX/XX/XXXX So again how is this Accurate?
Delete in unverified erroneous account immediately Reporting as purchased by another lender without providing the information on who it was sold to as required by the XXXX metro 2 guidelines under segment K2 field 3.
This is a violation and must be removed for incomplete reporting Account status base segment field 17A is inaccurate. Reporting charge off with the closed date ( base segment field 26 ) of XX/XX/XXXX but the payment history profile ( Base segment field 18 ) is reporting the account rating ( base segment field 17B ) 120 day late on XX/XX/XXXX. None of this information adds up.
This account is reporting inaccurate and misleading information and must be deleted immediately Missing compliance code ( base segment field 20 ) as required by the credit reporting agency to add the correct codification while the account is in dispute as listed under the FCRA Section 611 ( c ). A dispute was also sent directly to CCB/ULTA on XX/XX/XXXX with no response from the creditor or dispute notification added to my credit reports as required by the FCRA 605 ( f ) with a direct dispute. Which is a clear indication this account has not been investigated This is a violation and request this unverified account to be deleted immediately PORTFOLIO RC XXXX Last activity date in Header Segment Field 8 is inaccurate reporting the date account information base segment field 24 with the date updated and not as of the FCRA Date of First Delinquency Field 25 that led to the Account Status ( 17A ) being reported as a collection account. Which should be 30 days after the original missing payment date with the original creditor, not the date the collection account was opened.
This account has been re-aged which is a violation and request this erroneous account to be deleted immediately Account Type is inaccurate. Reporting an Open account with the wrong portfolio type causing inaccurate monthly reporting of a collection account.
This is a violation and request this account to be deleted immediately XXXX XXXX XXXX Disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Activity date in Header record field 8 should reflect the FCRA Date of First Delinquency field 25 that led to the Account Status ( 17A ) being reported. Which should be 30 days after the original missing payment date with the creditor, not the date the account was closed.
This account is inaccurate and re-ages the account compliance date which is a violation. Please delete this misleading account immediately Payments history profile base segment field 18 reporting an account rating base field 17B of 120 days on XX/XX/XXXX and XX/XX/XXXX. How can the account be 120 days late on XX/XX/XXXX and XX/XX/XXXX?
Please deleted thi erroneous account immediately XXXX XXXX Disputed on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Direct dispute sent to XXXX XXXX on XX/XX/XXXX with no response from the creditor and no dispute codification added to my credit report as required by the FCRA XXXX05 ( f ). So how is this being verified?
This is a violation and must be deleted Missing compliance code ( base segment field 20 ) as required by the credit reporting agency to add the correct codification while the account is in dispute as listed under the FCRA Section 611 ( c ). There have been no dispute notes in my credit reports indicating the account has ever been disputed or investigated This is a violation and request this unverified account to be deleted immediately Activity date in Header record field 8 is inaccurate. Reporting the same date as the closed date ( base segment field 26 ) of XX/XX/XXXX and not the date of first delinquency base ( segment field 25 ) with the payment rating ( base segment field 17B ) continuing to report after reporting 60 days XX/XX/XXXX, 90 on XX/XX/XXXX, XXXX XX/XX/XXXX and XXXX XX/XX/XXXX.
This account is erroneous and misleading. Please deleted immediately this account immediately
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| 01/01/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX, I am not a third party. I am a natural person submitting this complaint, and I am requesting that these negative inaccurate items be removed from my credit report.
1. XXXX XXXX Account number XXXX Account type Credit Card Responsibility Date opened XX/XX/XXXX Status Account charged off. {$6.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX XXXX {$6500.00} Balance updated XX/XX/XXXX REASON ; I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS.
This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF.
The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
The debt collector is not properly reporting on this debt.
This account is inaccurate and needs to be removed.
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.
Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.
2. XXXX XXXX XXXX Account number XXXX Account type Secured Card Date opened XX/XX/XXXX Status Account charged off. {$200.00} written off. {$200.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX XXXX {$200.00} XXXX updated XX/XX/XXXX REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS.
This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF.
The debt collector has not provided me proper debt validation for this alleged debt. Please delete this from my report.
The debt collector is not properly reporting on this debt.
This account is inaccurate and needs to be removed.
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.
Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.
3. XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Status Account charged off. {$3.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX XXXX {$4000.00} XXXX updated XX/XX/XXXX I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS.
This creditor has not provided me a 1099c form this account as it is being reported as CHARGED OFF.
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report.
The debt collector is not properly reporting on this debt.
This account is inaccurate and needs to be removed.
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.
Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.
4XXXX XXXX XXXX Account number XXXX Account type Collection Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX XXXX {$1800.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS.
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties. Please delete this from my report.
This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated.
The debt collector is not properly reporting on this debt.
This account is inaccurate and needs to be removed.
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.
Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.
5.XXXX XXXXXXXX, XXXX Account number XXXX Account type Collection Responsibility Date opened XX/XX/XXXX Status Collection account. {$840.00} past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX XXXX {$840.00} REASON : I don't recognize how this account is reporting on my credit report.
I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS.
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report.
This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated.
The debt collector is not properly reporting on this debt.
This account is inaccurate and needs to be removed.
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.
Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.
6.XXXX XXXX Account XXXX XXXX Account type Cell Phone Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$4.00}, XXXX past due as of XX/XX/XXXX.
Status updated XX/XX/XXXX XXXX {$4000.00} REASON : I dont recognize how this account is reporting on my credit report. I dont recognize the account number, the LAST ACTIVITY BEING REPORTED, ACCOUNT STATUS, ACCOUNT HIGH BALANCE nor to I recognize the LATE PAYMENTS.
The debt collector has not provided me proper debt validation for this alleged debt the creditor has not provided me with a ORIGINAL CONTRACT with Consent to share/ opt out of personal information being shared with 3rd parties Please delete this from my report.
This is a violation of the FCRA and is also in violation of requisite Metro 2 Compliance reporting standards. Under 15 U.S.C.1681b, 15 U.S.C.1666b and 15 U.S.C.1666 15 USC 6802B my rights was violated.
The debt collector is not properly reporting on this debt.
This account is inaccurate and needs to be removed.
Under 15 USC 6802b my rights were violated. I was never gave consent or opt into having my information shared to third parties.
Under 15 U.S.C.1681b, 15 U.S.C.1666, 15 U.S.C.1666b 15 USC 1681S-2 my rights have been violated.
|
| 04/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to dispute the inaccurate and incomplete information that has been reported by the following creditors on my credit report : [ insert names of creditors and account numbers ]. I believe that these creditors have violated the Fair Credit Reporting Act ( FCRA ) by reporting incorrect information, specifically in regards to my name and address.
My correct name is XXXX XXXX XXXX, but the credit bureaus have reported it as XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX. This inaccurate information has caused me significant distress and inconvenience, as it has resulted in me being denied credit and facing higher interest rates than I should have qualified for. This has also caused confusion in my personal and professional life, as it has led to errors in important documents and correspondence.
In addition, my current address XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, but the credit bureaus have reported several other addresses that are not associated with me, including XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This has also caused confusion and inconvenience, as it has resulted in important mail and documents being sent to the wrong address and causing delays in receiving them.
These violations of the FCRA have had a significant impact on my life, causing me emotional distress, financial hardship, and even affecting my personal and professional relationships. Therefore, I am requesting that you take appropriate action to enforce the legal requirements under the FCRA, specifically sections XXXX and XXXX, and require these creditors to remove the inaccurate and unverified accounts from my credit report.
According to my report, there are several accounts that have been inaccurately reported by TransUnion, XXXXXXXX XXXX XXXXXXXX.
Specifically, XXXX XXXX XXXX TransUnion has reported XXXX Last Verified XXXX XXXX XXXX but XXXX and XXXX have not XXXX anything. Additionally, TransUnion has reported a Date of Last Activity of XX/XX/XXXX, but XXXX has reported XX/XX/XXXX and XXXX has reported XX/XX/XXXX. Furthermore, TransUnion has reported a Date Reported date of XX/XX/XXXX, while XXXX has reported XX/XX/XXXX, and XXXX has reported XX/XX/XXXX.
It is important to note that XXXX and XXXX reported a Date Opened date of XX/XX/XXXX, while TransUnion reported XX/XX/XXXX. Additionally, XXXX XXXX bureaus have reported that I was XXXX days late on XX/XX/XXXX, despite the fact that I did not miss any payment on this account.
These inaccuracies have had a severe impact on my life. Due to these incorrect reports, I have been denied credit, housing, and even employment opportunities. I have had to endure high interest rates and have been forced to pay unnecessary fees, all because of these inaccurate reports.
I believe that these reports are in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, TransUnion, XXXX, and XXXX have violated FCRA XXXX XXXX, which requires them to follow reasonable procedures to ensure the accuracy of the information in my credit report. They have also violated FCRA XXXX XXXX, which outlines the procedures for disputing inaccurate information on my credit report.
Furthermore, TransUnion, XXXX, and XXXX have violated FCRA Section 1681s-2, which outlines the duties of furnishers of information to consumer reporting agencies. Specifically, they have violated Subsection ( a ) ( 1 ) ( A ), which requires them to provide accurate information to the credit reporting agencies.
The following creditors and account numbers have reported inaccurate information : XXXX XXXX XXXX According to TransUnion, the XXXX verified date is XX/XX/XXXX, but XXXX and XXXX XXXX not report anything. Additionally, TransUnion is reporting the date of last activity as XX/XX/XXXX, but XXXX reported it as XX/XX/XXXX and XXXX as XX/XX/XXXXXXXX XXXX XXXX bureaus are reporting that I was XXXX days late on XX/XX/XXXX, but I did not miss any payments on this account. According to TransUnion, the last payment date is XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and XXXX reported it as XX/XX/XXXX.
This inaccurate information is in violation of the following FCRA sections : TransUnion : FCRA XXXX XXXX - Compliance Procedures Subsection ( b ) - Accuracy of report FCRA Section XXXX - Procedure in case of disputed accuracy Subsection ( a ) - Reinvestigation of disputed information FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX : FCRA Section 1681e - Compliance Procedures Subsection ( b ) - Accuracy of report FCRA Section 1681i - Procedure in case of disputed accuracy Subsection ( a ) - Reinvestigation of disputed information FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information XXXX : FCRA Section 1681e - Compliance Procedures Subsection ( b ) - Accuracy of report FCRA Section 1681i - Procedure in case of disputed accuracy Subsection ( a ) - Reinvestigation of disputed information FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information The inaccurate reporting of my credit history has had a significant impact on my life. I have been denied credit, employment, and housing opportunities due to this erroneous information. I have experienced emotional distress and financial hardship as a result of the negative impact on my credit score.
Regarding my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ), both TransUnion and XXXX have reported the payment status as " charge off. '' However, I have never received any notification or paperwork from them regarding this charge-off account. Furthermore, the reported dates of last activity and date opened by TransUnion and XXXX do not match up. These inaccuracies are in violation of Fair Credit Reporting Act ( FCRA ) Section 1681e - Compliance Procedures : Subsection ( b ) - Accuracy of report and FCRA Section 1681s-2 - Duties of furnishers of information to consumer reporting agencies : Subsection ( a ) ( 1 ) ( A ) - Duty to provide accurate information.
These errors have caused significant harm to me, as they have negatively impacted my credit score and limited my access to credit. I have been denied loans, credit cards, and even rental applications due to these inaccuracies. It has been an emotional burden, as it has affected my ability to provide for myself and my family.
Therefore, I am requesting that the creditors and their corresponding consumer reporting agencies remove these unverified accounts from my credit report. I also ask that the CFPB enforce the legal violations outlined above and hold these creditors and consumer reporting agencies accountable for their actions.
Thank you for your time and attention to this matter.
Sincerely, XXXX XXXX
|
| 12/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law. As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal re
gulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. For the record, the following information is being erroneously included on my credit report, as
I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Rep
orting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX Account # : XXXX, XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX Account # : XXXX, XXXX XXXX Account Name : XXXX XXXX Account # : XXXXXXXX XXXX Account Name XXXX XXXX XXXX Account # : XXXX XXXX, XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX, have violated my rights.
THESE INQUIRIES ARE UNAUTHORIZED XXXX XX/XX/XXXX : done XXXXXXXX XXXX XXXX XXXX XXXX : done XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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| 05/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
Older American |
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I KNOW THIS IS LONG VERY SORRY BUT PLEASE READ IT I COULD NOT MAKE IT SHORTER!! Thank you Fraudulent activity on all 3 my credit reports from the three main CRAs .Fraudulent activities involve transactions made between XXXX and XXXX during that period of the I was not living in the XXXX was in XXXX XXXX - XXXX, XXXX XXXX, returning to XXXX XXXX in XXXX after a few months traveling around the XXXX by car until I settled in XXXX XXXX apparently in mid XXXX then moved to XXXX XXXX XXXX where I currently live after purchasing a condo. I live with my current girlfriend of approximately three years. I did extensive traveling while living outside the XXXX I moved to XXXX with my the woman I was involved with from XXXX till XXXX she was a XXXX XXXX who I met while she was visiting a family of hers who was also a friend of mine. I left the XXXX while involved in a horrific divorce from a XXXXXXXX XXXX women with a long history of XXXX XXXX admissions due to XXXX problems caused by her XXXX XXXX causing her to be a danger to self and others she had been diagnosed with XXXX XXXX XXXX XXXX XXXX approximately 20 years prior. She became not completely with treatment and her behavior deteriorated to the point it was dangerous for me to be anywhere she could find me. The issue of my safety and that of my girlfriend was a very substantial factor in our choice to move to XXXX in XXXX where we stayed until XXXX. We moved to XXXX XXXX in XXXX and I returned to the USA in XXXX. Unfortunately I have almost no paperwork related to my time in XXXX primarily because I was truly hiding from my exwife she is a XXXX person and I had no clue what she was willing to do to harm me or worse and technically a USA XXXX is not allowed to travel to XXXX or lived however enforcement is week. However as a citizen of a USA the XXXX government does not allow USA citizens to travel and live there for any extended period of time which is why I had to move yet again in XXXX relocating to XXXX. My relationship with my girlfriend at the time was in decline she had started the process to obtain a visa to come back to the USA with me in XXXX for her and the young daughter we could not legally obtain the documents required the relationship ended. It was time I came home my kids started having kids. While I lived outside the USA I returned a few times for short visits for major family gatherings. My children have no relationship with me ex wife so that was not an issue. My divorce paperwork states separated on or about XXXX XXXX XXXX divorced in XXXX XXXX XXXX will provide copy. I actually left my ex in XXXX living the marital residence where she remained until the house was sold in XXXX I will provide paperwork. I will also provide paperwork to support the above statement. Unfortunately it really begins after I moved from XXXX to XXXX, No banking information because both countries have no banking treaty with the USA. I have a lease from XXXX also paperwork related to the purchase of a home by an American in XXXX a document requesting long term residency which was required to open a business and become after being there well beyond the legal limit I need paperwork to allow me to say it was a XXXXhe point the local cops who I was friendly with knew my name on sight. I have some of my girlfriends paperwork from XXXX still in XXXX that she provided to homeland to begin the process of obtaining a long term visa to return with me to the USA before we moved to XXXX. I have tried several times to get the negative ideas of my 3 credit reports and failed, this is not the first time I am filing out this exact paperwork and failed, I have contacted the last 3 creditor on my credit report both by mail and on the phone dozens of times and failed, I have reported this and obtained documents from the ftc several times most recently on XX/XX/XXXX that reported I will also include it was mailed to the 3 creditors with all other paperwork the ftc provided and that failed. The same information was sent to all three credit agencies and that failed. I am beyond frustrated. What I recently learned was why I cant fix this and I need help to get this fixed. I will send you what I think is enough for you to assist me if you need anything else please let me know and I will do my best to provide it. The issue seems to have been created by two things the fact that I was living outside the USA in countries without banking treaties so I personally disappeared from the credit market in the USA. My ex continued at the marital residence until it was sold, she did move off for a short period to XXXX XXXX but returned I think because she was facing eviction. Her living in that house which still has the landline phone service I opened in XXXX when I purchased and moved into the house my lawyer told me I could not disconnect the phone after I moved out because it would seem like harassment. That cause my exwife to be able to assume my credit identity fraudulently. And the same situation is preventing my from getting my credit repair. Simply I start the complaint process with a credit card company or credit agency they basically look at 3 things phone contact information and address are two she was in control of both The third is if payment were being made and they were at first this shocked and confused me until I realized why. My ex wife is nuts but extremely smart, it is my belief that by making small payments and keeping the balances in control when she opened the credit lines she was able to build up the credit history which allowed her to build the credit limits in one case to {$5000.00}. In XXXX when the house was sold she then maxed out the credit lines and stopped paying. If you look a my credit history on all 3 reports it also supports the above statement. My history is perfect until XXXX and after XXXX when the house was sold. I have requested information by phone and in writing from all 3 creditors and they refuse to provide it I have been told basically the same thing by all three. You have protested this many times and lost the accounts are so old they have been written off and sold so long ago its to difficult to provide any information and that included who currently actually had the debt. This both seems crazy as I try to get information in my efforts to ger this fixed. How can I deal with this problem without so much as information about when and where the account was actually open plus no information about what was preceded where and when. Ridiculous and I violation of my rights under the fair credit acts. Also this letter seems like Im insane but unfortunately its what happened please really take the time to review what I said and the paperwork Im including. Im going to attach one document when I submit this and then update my file to send the rest I just need a break and yesterday at this point I tried to save it finish later and loss everything I wrote. I am also sending some information in it originally form and with a certified translation of the documents because I have to have them for the appropriate government agencies in the country I lived
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| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Collection/Chargeoff, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, the following inquiries are also unauthorizedXXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX they have all violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
|
| 11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is my personal clain of identity theft and this not a " regular '' dispute. This needs to be addressed by the upper fraud department to assist me with my identity theft claim.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl. XXXX XXXX XXXX Transunion Suppression Request To Whom It May Concern : I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
XXXX XXXX XXXX XXXX XXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information.
Sincerely, XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : XXXX Please remove allnon-account holding inquiriesover 30 days old.
* Please add aPromotional Suppressionto my credit file.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed above.
This is identity theft and I expect you all to protect me and follow the guideline of the laws accordingly.
XXXX XXXX and Transunion continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer-reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
|
| 08/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Ive been back and forth with XXXX XXXX in regards to their Unfair or deceptive acts or practices and upholding their sole duties and responsibilities according to federal law.
As per XXXX XXXX response to the Consumer Financial Protection Bureau Complaint sent XX/XX/XXXX, On XX/XX/XXXX XXXX XXXX Legal Consultant in the XXXX XXXX XXXX Department Stated Because XXXX XXXX has a duty to furnish accurate information to the bureaus, no changes or updates are necessary.
- ( Refer to Exhibit.A01 ) After obtaining my consumer report, XXXX XXXX XXXX has continuously furnished completely inaccurate information to my consumer report with the following Consumer Reporting Agencies : XXXX, XXXX, XXXX, and Transunion.
In Accordance with my consumer report, XXXX XXXX XXXX furnished the following inaccurate information : the Current balance amount {$18000.00} and the Original Balance amount {$13000.00}. In addition there are different dates being reported to each Consumer Reporting Agency for the following : Last Payment, Date Account Opened, Date Reported, Loan Terms, and payment history.
- ( Refer to Exhibit.D01 ) As specified by XXXX XXXX Customer Portal Transaction History dated XX/XX/XXXX the Remaining Balance stated {$23000.00}, the Initial Balance date XX/XX/XXXX in the amount of {$24000.00}, and the Past Due amount stated {$9700.00} Dated XX/XX/XXXX.
- ( Refer to Exhibit.C01 ) However, Dated XX/XX/XXXX XXXX XXXX updated the information on the Customer Portal with the following information : Remaining Balance amount stated {$19000.00} and the Past Due amount stated {$19000.00}.
- ( Refer to Exhibit.C101 ) As per XXXX XXXX response per CFPB Complaint, XXXX XXXX XXXX Consult Stated As of XX/XX/XXXX, were furnishing your account status to the credit bureaus as '' " 180 days or more past due.
- ( Refer to Exhibit.A01 ) According to the information being furnished to the above mentioned consumer reporting agencies the Account Status and Payment Status states 120 days late.
- ( Refer to Exhibit.D01 ) Furthermore, XXXX XXXX Legal Consult also stated my Investigation confirms that we have adhered to the law in connection with your account - ( Refer to Exhibit.A01 ) Thus evidence as indicated above shows willful and negligent noncompliance. There was an investigation conducted by XXXX XXXX Legal Consultant in the XXXX XXXX XXXX Department on the information being furnished to the consumer reporting agencies, in which means XXXX XXXX was completely aware of the consistent inaccurate, and discriminating information.
Furthermore, XXXX XXXX created the balance amounts ( Referencing to the Current balance amount of {$18000.00} and the Original Balance amount of {$13000.00} being furnished to the consumer reporting agencies ) or XXXX XXXX willfully overlooked such information because their internal system discloses information that has not been disclosed to I, XXXX XXXX the Consumer.
XXXX XXXX is in Violation of the Following ; 15 U.S. Code 1681, 15 U.S Code 1681s-2, 15 U.S. Code 1681n, and 15 U.S. Code 1681o.
In the words of XXXX XXXX XXXX Consult as per CFPB Complaint response, Including the XXXX XXXX, appears on page 1. This APR is lawful in your state.
- ( Refer to Exhibit.A01 ) XXXX XXXX is in Violation of Florida State Law Title XXXIX, 687.02 & 687.03 Pursuant to Florida State Law Title XXXIX, Chapter 687 - 687.03 Unlawful rates of interest It shall be usury and UNLAWFUL for ANY person to charge or take for any loan or obligation a rate of interest greater than the equivalent of 18 percent per annum simple interest, either directly or indirectly.
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' A financial institution may not disclose nonpublic personal information to a Nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. " ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option.
I was told this discriminating information had to be reported to my consumer report pursuant to federal law according to privacy policy and CFPB response. The Consumer reporting agencies are all third party non-affiliate companies.
Reporting my nonpublic personal information to non-affiliate companies while violating the Fair Credit Reporting Act is in clear violation of the Gramm-Leach-Bliley Act and my privacy rights under the Privacy Act of 1974.
XXXX XXXX XXXX has either been in or is in multiple lawsuits in regards to their unfair or deceptive acts or practices. The company knowingly and willfully or should have known prior to customers signing their contracts, that borrowers would not be able to repay and default on their loans.
XXXX XXXX internal system XXXX XXXX XXXX XXXX XXXX predicts how much money the company will make over the period of such loan regardless of the borrower 's inability to pay.
XXXX XXXX has profited millions of dollars from the very same customers that has been harmed by way of harassment, discrimination, outrageous interest rate, fraudulent contracts, financial distress, family and household losses.
- ( Refer to Exhibit.G01 ) - ( Refer to Exhibit.G02 ) - ( Refer to Exhibit.G03 ) This erroneous information has damaged my credibility, caused a great deal of financial distress, and is preventing me from being able to provide for my household and family. XXXX XXXX and the Consumer Reporting Agencies mentioned above has been aware of this discriminating information for over a year. Each company has said to have conducted an investigation in regards to this information however, the information herein shows there has been no such investigation or during the investigation, said companies willfully chose to overlook the inaccuracies contained.
The business acts and/or practices of this company is completely unethical and there needs to be an audit done on my account IMMEDIATELY!
XXXX XXXX XXXX has a Security Agreement with the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ive sent in via registered mail the proper instruments and documents needed to tender my security in exchange for payment to the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
- ( Refer to Exhibit.J01 ) I would like for this matter to be resolved. if your company continues to willfully and negligent non-comply, I will be filling a Federal Trade Commission Report and an Attorney General Complaint.
My Account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX needs to be audited IMMEDIATELY.
|
| 11/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX there is some inaccurate information reporting.
XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
13. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Delete this account.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
27. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
28. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
29. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
31. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
34. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
35. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
36. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
37. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
38. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
39. there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
40. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
41. there is some inaccurate information reporting.
XXXX Account Number : XXXX Delete this account.
42. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
43. there is some inaccurate information reporting.
XXXX XXXX XXXX Account Number : XXXX Delete this account.
44. there is some inaccurate information reporting.
XXXX Account Number : XXXX Delete this account.
45. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CO XXXX 46. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CO XXXX 47. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, CO XXXX
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| 11/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY\nCOMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still\nremain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.
Its very obvious that your agency doesnt know what the FCRA is, because from the looks of my credit report and all the errors I see, heres my breakdown : 1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation? \nCreditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act : Verify the accuracy of my report when it is required for employment purposes.\nReceive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate.
They are either INACCURATE, Unverifiable and Invalidated. I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. The payments have been on time.\n Account name XXXX XXXX XXXX Account number XXXX Date Listed : XX/XX/2022 Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages\nof not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of\nthe action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the\nFair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.\n Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : \n1. ) Defamation\n2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office\nCC : XXXX XXXX XXXX XXXX State Senate\nCC : Federal Deposit Insurance Corporation\nCC : Comptroller Of The Currency\nCC : Federal Reserve System\nCC : Credit and insurance\nCC : Federal Trade Commission\nCC : State Regulatory agency\nCC : California Regulatory agency Division of consumer complaints Sincerely XXXX XXXX XXXX Enclosed : Two Forms ID
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| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX U.S. Department of Education, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It Might Concern, I am writing AGAIN to dispute the following inaccurate, incorrect account information that has been reporting negative details for the past 13 years and 2 months. The 2 specific accounts that I am referring to are located on pages 27-28 of my Transunion, XXXX, and XXXX 3-in-1 credit report that was pulled on XX/XX/XXXX. I have also attached a copy of those specific pages for your review.
For some apparent reason, ALL 3 creditors are reporting different account numbers, different opening dates, different balances and neither credit bureau has ever actually verified or validated the debt being reported even after being advised that the account information that is being reported by each of them is inaccurate. PLEASE IMMEDIATELY UPDATE BOTH ACCOUNTS PER MY REQUEST AS FOLLOWS FOR ALL 3 CREDIT BUREAUS : 1. CEASE AND DESIST ANY & ALL FURTHER ATTEMPTS TO COLLECT A DEBT!
2. REMOVE ALL REPORTED HISTORY OF LATE PAYMENTS BACK TO XX/XX/XXXX!
3. DO NOT DELETE EITHER OF THE TWO 13-YEAR-OLD ACCOUNTS!
4. BOTH ACCOUNTS SHOULD REMAIN LISTED ON ALL 3 CREDIT BUREAUS!
5. BOTH ACCOUNTS SHOULD BE UPDATED AS CLOSED EFFECTIVE XX/XX/XXXX, PAID AS AGREED, NEVER LATE ON ALL 3 CREDIT BUREAUS!
I have personally contacted XXXX via telephone on numerous occasions requesting specific details regarding these 2 accounts once I learned that they existed and was incorrectly reporting to my credit. I specifically asked XXXX the following questions : 1. WHAT WERE THE ORIGINAL LOAN DATES?
2. WHAT WERE THE ORIGINAL LOAN AMOUNTS BORROWED?
3. WHAT SCHOOL WERE THE FUNDS ISSUED TO?
4. WHY ARE THE LOANS REPORTING PAST DUE? ACCRUING LATE FEES? INTEREST?
5. WHEN DID THE LOANS GO INTO REPAYMENT STATUS?
6. WHY WASNT I NOTIFIED IN WRITING VIA U.S. MAIL AT LEAST 60 DAYS PRIOR?
7. WHAT IS THE REQUESTED PAYMENT AMOUNT? DUE DATE?
8. WHAT OPTIONS ARE AVAILABLE FOR DEFERMENT? FORBEARANCE? FORGIVENESS?
9. PLEASE MAIL ME A COPY OF THE ORIGINAL LOAN DOCUMENTS, TERMS, CONTRACT THAT INCLUDES MY SIGNATURE, PROOF OF PAYMENT ISSUED TO THE SCHOOL AND DATE ITEMS WERE CASHED!
10. REMOVE ALL PRE-EXISTING CONTACT INFORMATION FOR ME INCLUDING TELEPHONE NUMBERS, EMAILS AND ADDRESSES FOR MYSELF, FRIENDS AND FAMILY!
11. DO NOT SAVE ANY NUMBERS THAT I CALL FROM AS A METHOD OF CONTACT FOR ME!
12. DO NOT ATTEMPT TO CONTACT ME VIA ANY OTHER METHOD OTHER THAN U.S. MAIL.
13. DO NOT ATTEMPT TO CONTACT ANYONE ELSE OTHER THAN MYSELF VIA ANY LOANS THAT HAVE BEEN DISTRIBUTED UNDER MY NAME.
14. REMOVE AND CREDIT ALL LATE FEES AND INTEREST THAT HAS ACCRUED TO DATE.
As of this date, XX/XX/XXXX XXXX has failed to comply and honor my requests. They have NOT sent me any of the items or information that I have previously requested both over the phone or via my previous CFPB complaints. Instead, they sent me an electronically signed item that does NOT provide my actual signature accepting the loan. Please find attached, XXXX response to my CFPB complaint that was filed on XX/XX/XXXX after my initial phone attempts to get these issues resolved were not successful!
I have also contacted XXXX XXXX both via telephone, in person and via email requesting details regarding the loan disbursements that XXXX claims were paid out to them. I requested that the school send me proof of the loan disbursement dates and proof of payment as well. The school has verified each time that I was NOT a student at XXXX in XX/XX/XXXX and that they did NOT receive any funding on my behalf during that school year. Please review BOTH letters that I have attached from 2 different departments of XXXX confirming this.
XXXX HAS however confirmed BOTH via telephone and attached correspondence in writing that they are NOT the original owner of these loans! That they are NOT the original issuer of these loans. Therefore, they do NOT have the right to collect a debt that they are NOT the owners of or given direct advance notice of their ownership of these items. This debt has NOT been verified or validated by XXXX, TRANSUNION, XXXX, OR XXXX. Therefore, I AM AGAIN DEMANDING THAT MY ABOVE REQUESTS ARE MET BY ALL PARTIES INVOLVED EFFECTIVE IMMEDIATELY!
The information being reported is inaccurate. You are continuing to intentionally report false, inaccurate, incriminating information which is a violation of FCRA. Each of you have failed to comply, honor, respond, correct, and update the information within the original 30-day timeframe stated by law. In fact, you have exceeded this legal timeframe by more than 270 days. PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 27 : PLEASE NOTE THAT XXXX HAS NOT UPDATED THE ACCOUNT SINCE XX/XX/XXXX AS THEY CONTINUE TO SHOW A PATTERN OF NOT COMPLYING AND UPDATING ON TIME, CONSISTENTLY EVERY MONTH.
1. Account # XXXX Transunion XXXX XXXX XXXX, XXXX 2. High Balance being reported for all 3 credit bureaus : {$2000.00} 3. Last Verified by Transunion on XX/XX/XXXX, XXXX -- XXXX -- 4. Date of Last Activity : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX 5. Date Reported : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 6. Date Opened : Transunion XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX 7. Balance Owed : Transunion {$3700.00}, XXXX {$3700.00}, XXXX {$3600.00} 8. Closed Date : Transunion -- XXXX -- XXXX -- 9. Account Rating : being reported as open for all 3 credit bureaus 10. Dispute Status being reported as NOT DISPUTED by all 3 credit bureaus 11. Creditor Type : Transunion Government, XXXX Student Loans, XXXX Miscellaneous Finance 12. Account Status OPEN for all 3 credit bureaus 13. Creditor Remarks : Transunion Dispute resolved, customer disagrees, XXXX Subscriber reports dispute resolved consumer disagrees, XXXX Student loan fixed rate 14. Payment amount Transunion & XXXX {$0.00}, XXXX {$44.00} 15. Late Payment reported by XXXX XX/XX/XXXX PLEASE FIND SPECIFIC REPORTING INFORMATION PER CREDIT BUREAU LISTED BELOW AND ON THE ATTACHED CREDIT REPORT PAGE 28 : PLEASE NOTE THAT XXXX IS NOT REPORTING THIS ACCOUNT AT ALL AND CONTINUES TO DISPLAY A PATTERN OF INCONSISTENCIES AND VIOLATION OF THE FCRA BY NOT SUPPLYING THE MOST CURRENT AND ACTIVE INFORMATION AVAILABLE FOR ANY ACCOUNT.
1. Account # XXXX Transunion XXXX XXXX 2. High Balance being reported by both credit bureaus {$2000.00} 3. Last Verified by Transunion only XX/XX/XXXX 4. Opened XX/XX/XXXX Transunion, XX/XX/XXXX XXXX 5. Closed XX/XX/XXXX Transunion only 6. Account Rating : Transferred by both credit bureaus 7. Payment status Transunion current, XXXX late 90 days All reporting information is inaccurate, inconsistent, missing AND/OR outdated! UPDATE THE INFORMATION EFFECTIVE IMMEDIATELY! Thanks so much in advance!
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| 12/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XX/XX/XXXX To whom it may concern, I am filing this complaint against XXXX XXXX XXXX on two accounts : 1. They negatively reported to my credit report and the other borrowers credit report saying we missed a payment while we are in forbearance 2. They never informed me that they were a private lender and that I wouldnt be able to start a deferral at the end of the forbearance.
Addressing Issue 1 : XX/XX/XXXX XX/XX/XXXX I was first put into forbearance by the servicer XXXX XXXX. I made a full payment for {$1600.00} on XX/XX/XXXX when I requested the forbearance until it was approved. ( attached*page1 ) I called back in on XX/XX/XXXX to make sure it was approved and they informed me that they were still working on it and so I made a full payment of {$1600.00} for XXXX. ( attached*page2 ) On XX/XX/XXXX I called again and they told me that they had approved a repayment plan until the forbearance was applied and that I should continue to pay as much as I could and that as long as I paid something that I wouldnt be reported negatively. I made XXXX payments of {$100.00} on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. ( attached*page3,4,5 ) As you can see on those emails the receipt says Repayment Plan on it showing that I was on a repayment plan. On XX/XX/XXXX I got an email stating the forbearance was approved and that during the forbearance term, late charges and other fees will be suspended. ( Attached*page 6 ) Since that day I have kept everything up to date and have been in forbearance all this time.
As you can see from the attached XXXX XXXX never reported a late payment on my credit report and everything was in good standing. ( attached*page 7 ) XX/XX/XXXX- Now XXXX XX/XX/XXXX XXXX home lending sent me a letter informing me they were the new servicer.
I filed for a Borrowers Assistance request on XX/XX/XXXX to make sure that I was going to be on forbearance still. They closed my request on XX/XX/XXXX. ( attached*page 8 ) I filed again though their website that same day and again my request was closed. ( attached*page 9 ) I called them at the end of XXXX applied by phone since email wasnt working. They confirmed I was in forbearance.
XXXX XXXX I got an email from my credit report saying that XXXX XXXX lending had reported a missed payment.
I called them immediately and they told me I would have to file a complaint by email about this that they couldnt do anything about it over the phone. In the meantime, my credit score dropped over XXXX points and so did the other borrowers because they also reported negatively on hers.
I emailed them on XX/XX/XXXX and filed a complaint with them ( attached*page 10 ). They never emailed me back regarding this. I called several times in XXXX and each time they said a different thing. XXXX guy I talked to in XXXX said that this would be removed after we completed the repair on one of the bathrooms we were having to get fixed under the insurance. I called again when it was complete to have it removed and this person said that this wasnt true and that they wouldnt remove it and that I needed to talk to someone from another department. I emailed them several times and again got the same information from them. I basically got the run around and they used delay tactics in order to just let the days go buy. I called them last on XXXX XXXX and XXXX said that she could see that a complaint had been started regarding this, but that the resolution was set for the XXXX and they are no longer going to be servicing the loan after the XXXX. She said she would email the backend and tell them that they should have a resolution before that.
XXXX XXXX XXXX even sent me letter informing me that I was in forbearance and that nothing negative would be reported on my credit report ( attached*page 11,12 ) I started a dispute with all three credit reporting agencies regarding this on the end of XXXX, but XXXX XXXX XXXX informed the credit reporting agencies that they are not going to remove this missed payment and that the information they reported is accurate. ( letter attached*page 13 ) XXXX XXXX XXXX claims that we missed a payment on XX/XX/XXXX in this letter ( attached*page14 ). Then they report to XXXX that the payment I missed was in XX/XX/XXXX ( attached*page15 ) To Transunion they reported I missed XXXX and XXXX ( attached*page16 ). This is all inaccurate and false. As you can see in the very detailed timeline I was always in forbearance and or making payments and XXXX XXXX never reported a missed payment for XXXX or any other dates. XXXX XXXX XXXX wasnt the servicer of the loan until XX/XX/XXXX and I was always in forbearance with them and am in forbearance with them till XX/XX/XXXX so this is both false and also not in accordance with the Fair Credit Reporting Act.
Addressing Issue 2 : I called XXXX XXXX XXXX at the beginning of XXXX and made sure I was in forbearance with them and they said it was.
In XXXX XXXX XXXX XXXX reported negatively on my credit report stating I had missed a payment even though I was still in forbearance.
I called them to make sure I was in forbearance and they said that I was until XX/XX/XXXX. The representative I talked to informed me that the loan was no longer eligible for forbearance and that if I wanted to request more time they would have to ask the Lender for an extension. I asked them to do so. They called me back a few days after at the beginning of XXXX to inform me that the lender had approved the forbearance until XX/XX/XXXX.
I called them at the end of XXXX and they told me they were going to mail me paperwork to start the loan modification. I never got the paperwork and called again on XXXX XXXX and XX/XX/XXXX. I asked for the deferral so that the $ XXXX that I owe would be put onto the end of the loan. I knew that I was eligible and would get that for sure because of the CARES Act and having a Fannie Mae backed loan. XXXX XXXX always reported in my credit report that this account was under Fannie Mae ( attached*page 7 ). Instead the representative informed me and this was the first time I had heard this : That they can not do a deferment because we have a private investor loan. I was really surprised to hear that since my loan was originated and closed as a Fannie Mae loan in XX/XX/XXXX. I have attached your DU findings from your original loan as verification of this.
When I requested the forbearance from XXXX XXXX it was never advised to me that I could not defer the payments later because my loan was not backed by Fannie Mae. I requested Forbearance with XXXX XXXX XXXX and they also never informed me of this. And there was no way for me to know that my loan was sold as a portfolio loan and not backed by XXXX XXXX This was never disclosed to me or the originator. This was important information because it directly impacts my options for CARES act. Because my loan was originated as a XXXX XXXX transaction I should fall under the CARES Act and be able to defer the forbearance payments. However, my current servicer just advised me today ( XXXX XXXX ) that they were a private lender.
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| 02/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Link card name 1 late payment {$0.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Charge Card Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Current, was past due 30 days Status date XX/XX/XXXX Past due amount - Highest balance $ 10 Monthly payment {$0.00} Late payments XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time 30 Days Late - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX {$390.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$390.00} {$390.00} Payment Info Original balance {$390.00} Balance {$390.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements- Contact XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Debt Buyer Paid off : 0 % Balance on XX/XX/XXXX Original balance {$1000.00} {$1000.00} Payment Info Original balance {$1000.00} Balance {$1000.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX {$810.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$810.00} {$810.00} Payment Info Original balance {$810.00} Balance {$810.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XXXX XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXXXXXX {$2000.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$2000.00} {$2000.00} Payment Info Original balance {$2000.00} Balance {$2000.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX, XXXX Original creditor : XXXX XXXX XXXX XXXX {$69.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$69.00} {$69.00} Since this collection account 's original balance was less than {$100.00}, it isn't factored into your FICO Score XXXX.
Payment Info Original balance {$69.00} Balance {$69.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments- Your statements- Contact XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX You have 9 inquiries These lenders have accessed your credit file : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards Inquiry date XXXX XX/XX/XXXX Removal date : XX/XX/XXXX XXXXXXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX Removal date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX {$0.00} Closed 3 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Charge Card Balance on XX/XX/XXXX Credit Limit {$0.00} {$200.00} Payment Info Status Past due 90 days Status date XX/XX/XXXX Past due amount - Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 60 90 On Time 30 Days Late 60 Days Late 90 Days Late NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements- Contact XXXX XXXX XXXX XXXX, OH XXXX Is XXXX XXXX XXXX XXXX {$1700.00} Balance updated XX/XX/XXXX XXXX potentially negative month Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan Paid Off : 89 % Balance on XX/XX/XXXX Loan Amount {$1700.00} {$16000.00} Payment Info Status Now redeemed, was a repossession Status date XX/XX/XXXX Past due amount - Original loan amount {$16000.00} Monthly payment {$350.00} Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time R Repossession - Data Unavailable Additional info Responsibility Individual Terms 81 Months Company sold - Original creditor - Comments - Your statements - Contact XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this XXXX XXXX {$240.00} Closed 5 potentially negative months
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| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I am writing you in regards to some violations that I have been made aware of based off Consumer Law. I understand that legally there are laws that protect consumers and that need to be followed especially when private information is being reported to third party credit agencies. There are a few violations I would like to point out with this auto Loan with XXXX and all student loans that are reporting on my credit reports.. Even though the student loans are reporting as closed I am asking they be deleted upon immediate requestThe violations I will discuss is Identity theft, and next the final violation is Determination of Finance Charge 15 U.S.C section 1605 Both these accounts with XXXX and U.S Department of Student Loans are in violation of both laws The first violation I will discuss is identity Theft. Identity theft is a crime which an attacker uses fraud or deception to obtain personal or sensitive information from a victim and misuses it to act in the victims name which usually the perpetrators of such crime are motivated by their own economic gain. This particular violation falls under Consumer law Aggravated Identity Theft 15 USC 1028a 1.. The accounts for all the student loans listed on my credit reports that I have made complaints about several times, each time came back as verified by the credit report agencies which they confirmed with the original creditors. The schools that the loans were for have been owned and operated by XXXX XXXX XXXX during the periods of XXXX. Based on borrowers defense evidence these student loans have been eligible for full loan discharge. These loans are apart of a department action because there was evidence found that a widespread of misconduct violated state consumer protection laws and made a widespread of misrepresentations about its educational programs which are grounds for borrowers defense to repayment under the borrower defense regulations 34 C.F.R S 685.206 and or S685.222. I received an email stating that my loans have been discharged without any requirements of having to file an application because of the pervasive and widespread nature of the schools conduct and or misconduct. Consumer Law 15 U.S.C S 1028a ( 2 ) states that anyone knowingly transfers an identification document, authentication feature, or a false identification document knowing that such document or feature was stolen or produced without lawful authority in means of identification of another person shall, in addition to the punishment provided for such felony. In the above paragraph pertaining to the student loans I informed you of the laws that had been broken because of misleading information being given by the school of XXXX XXXX. Not only have they affected me negatively for over XXXX years because these loans were taken out from XXXX - XXXX but the loan dispersers have been knowingly transferring my identification documents, authentication feature, knowing that the documents were produced without lawful authority. These loans were proven to be given to borrowers based off false and misleading information and these creditors along with the credit reporting agencies are reporting inaccurate and fraudulent information.
The next violation 15 U.S.C Section 1681C-2-a 1-4 Block of information resulting from identity theft. This particular violation deals with the consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ( 2 ) A copy of an Identity Theft Report ( 3 ) The identification of such information by the consumer ; and ( 4 ) Statement by the consumer that the information is not information relating to any transaction by the consumer The accounts that falls under this violation are all the student loans along with the consolidated loans because these loans were accompanied under the assumption of false and misleading information of attending XXXX XXXX XXXX. Another account that falls under this violation is XXXX. This account should be deleted per request because XXXX is customer consumer transaction account. Customer Consumer Transaction accounts are accounts that are in. Connection with your personal information. The violation with this account falls under the consumer law Definition of Finance Charges Truth and lending section per 15 U.S.C. S 1605. in this section it states that the finance charge shall not include charges of a type payable in a comparison cash transaction In my contract you can clearly see where a down payment cash deposit was put on vehicle.. I was told that a cash deposit had to be given in order to obtain the vehicle I also just noticed on the contract that when total fees were added that instead of them deducting the {$1700.00} cash down payment it was added to the total sale price. Insurance fees were not added in finance charge, Also in this section of what a finance charge includes the sum of all charges.. These charges should have been included in the financed charge.. 15 U.S.C 1605 ( 5 ) sum of all charges.. Because these account s were misrepresented because all sum of fees were not included the law states the premium or other charges for any guarantee or insurance protecting the creditors against the obligators default or other credit loss. Also The finance Charge should be broken down separately in details explaining all charges. This also falls under the 15 U.S.C Section 1611 ( 1 ) - ( 3 ) Criminal liability for willful and knowing violation. The creditors should be fined not more than {$5000.00} or imprisonment not more than 1 year. identity theft as well 15 U.S.C 1028 I also noticed that the {$1700.00} down payment was added into the sale price instead of deducted from the TOTAL sale price.
Because these violations exist currently consumer law 15 U.S.C S 1635 states right of recession as to certain transactions. I am asking because of this violation I have the right to rescind the transaction until delivery of the information.. 15 U.S.C S 1635 Return of money or property following rescission. I am asking that any finance or any other charge given by the obligor along with interest arising by operation of law becomes voided upon such a rescission. Within 20 days after receipt of a notice of rescission the creditor shall return to the obligator any money or property given as earnest money or downpayment.
I am also asking {$1000.00} per each violation of my consumer rights that that was pointed out.. and that for XXXX the remaining balance of the vehicle be reflected as paid off and the contract be voided because of the known violations Also unpin reviewing on the warranty it states that XXXX was paid by dealer which would be only for 90 days but on retail installment contract it states that there was a {$1900.00} for extended service contract Please review thoroughly and consider all information With kind regards XXXX XXXX
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| 11/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union Corp., XXXX. XXXX ( C.D.CaI. XX/XX/1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX accounts, XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXXXXXX High Balance : {$120.00} {$120.00}, XXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, YOU BROKE THE LAW!!!
Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.
Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.
( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.
Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL ITEMS FROM MY CONSUMER RFEPORT ACCORDING TO EXHIBIT A BELOW XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$3900.00} {$3900.00} {$3900.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$3900.00} {$0.00} {$3900.00} Credit Limit : {$3000.00} {$3000.00} {$0.00} Past Due : {$3900.00} {$3900.00} {$3900.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Flexible spending credit card Credit Card - XXXX XXXX XXXX XXXX Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$15000.00} {$15000.00} {$15000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$15000.00} {$0.00} {$15000.00} Credit Limit : {$13000.00} {$13000.00} {$0.00} Past Due : {$15000.00} {$15000.00} {$15000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2100.00} {$2100.00} {$2100.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2100.00} {$0.00} {$2100.00} Credit Limit : {$1500.00} {$1500.00} {$0.00} Past Due : {$2100.00} {$2100.00} {$2100.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXX Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$190.00} {$190.00} No. of Months ( terms ) : - - High Credit : {$190.00} {$190.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Collection Collection Collection Account Type - Detail : Collection Collection Collection XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$590.00} {$590.00} {$590.00} No. of Months ( terms ) : - - - High Credit : {$550.00} {$550.00} {$550.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Medical Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : -
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| 07/18/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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I am in the process of applying for a loan. This applies to all credit agencies, but first XXXX. After pulling credit checks it has come to my attention, of all the three credit agencies XXXX is reporting my date of birth wrong!
The discrepancy in credit scores between XXXX and XXXX is also over 80 points lower! XXXX is reporting so low, that it affects my credit reputation and impeeds my ability to get approved. My credit with others is over 700+. The information being reported on XXXX is NOT correct. XXXX XXXX is paid in full. XXXX is less than {$1000.00}.
The derogatory information regarding XXXX currently being reported on Transunion and XXXX is not reporting accurate either. Fraudualent reporting from XXXX perceived for failing to disclose payments made of over {$13000.00} in TRUTH. I attach evidence that I paid to XXXX in XX/XX/2018 the sum of {$13000.00} this is commendable to be able to pay this. The statement shows this payment too. Currently in contrast the credit is reporting I paid {$0.00} in XX/XX/2018. My credit is reporting 30 days late, and claims I Paid {$0.00} in XX/XX/XXXX.
Addition to XX/XX/XXXX if XX/XX/2018 I {$2800.00} to XXXX. Again in XX/XX/XXXX the XXXX is reporting {$0.00} paid in XX/XX/XXXX on credit too. This is false fraudualant reporting. In XX/XX/XXXX XXXX XXXX was paid in full. The XXXX XXXX reporting claims " 30 days past due.. in XX/XX/XXXX and XX/XX/2018 but reports no truth of Payments being made.
It is being reported inaccurately due to what I was told by others in XXXX may be a communication break down related to perceive " cultural communications breakdown ''. The XXXX XXXX off shore team responsable for truth in reporting simply do not understand its a lie to report {$0.00} and fraudualant. What is being asked of them to to report payment made. As a USA company, XXXX has chosen to NOT employ Americans any longer in their credit reporting division. That is at their discretion as a company, I certainly have no cultural prejudice. This complaint is without prejudice.
Various requests have been made to XXXX, to simply report the factual truth. In truth there was a verbal agreement made between myself and XXXX to pay the card. And I did pay " as agreed ''. It is not being reported that way. I did pay " as I agreed to pay '' on a RECORDED phone line with someone who sounded XXXX from what I perciece could only be the alleged XXXX " XXXX based '' off shore team. The associates of XXXX, engaged by XXXX at a cheaper hourly cost of employment, compared with emploing USA based.
The off shore team seems to be a lack an understanding of how to make exceptions to rules. It is true - I Did not comply with the terms of XXXX " card agreement to " pay in full ''. But that's not the point in this case ... nor is it appropriate for XXXX to reply, citing I did not pay card " in full '' or that XXXX can't make exceptions to the reporting.
The off shore team regardles of what country they are from does not understand USA as much as a USA based person does. The off shore team is not reporting to this with the facts, and the fact is - - I did pay down the card during the time period. To report NO PAYMENTS MADE {$0.00} as XXXX is reporting is a fraudulent misrepresentation of facts and false reporting on my credit file.
In truth, I did pay per the verbal recorded phone agreement with XXXX I made to make a payment. In the State of California when you make an agreement to pay on the phone it changes the existing Card Agreement. The off shore XXXX based team is " following the protocol '' with no regard for STATE law and regulations. The card agreement says pay in full, and the XXXX based off shore team are in charge too of reply to this CFPB complaint, using a USA based address and sending an letter.
Note nobody from the credit department can call you. Its because its XXXX based - only a letter of reply with words such as addresses leading us all to believe the reply is coming from XXXX, will come in reply to this CFPB complaint too.
The XXXX XXXX XXXX is failing to understand that any off shore team will not have the same understand of what is being Asked of them compared with someone who lives in USA and knows USA because its their home. Under the circumstances here the XXXX off shore team is claiming they " can not make exceptions '' to credit reporting - but under these circumstance in USA the claim the XXXX off shore team is making is just NOT true. I have asked for a USA representative of XXXX to call me on this. When the XXXX USA do get on phone to me as their " valued customer '' and I do raise the discrepancy with my credit reporting - they ( USA XXXX ) attempt to put me through to an off shore call center, XXXX is their second language. That is where this mater now is being sent to for response too.
The fair credit reporting Act of this country USA, requires Truth and Acurrate information to be reported - - it is " the American way ''. And if its not accurate, it MUST be deleted. The XXXX and the Transunion and XXXX people reading this are all in USA.
The in accurate reporting must be expunged. NO PLACE is there ANY reference to the payments I did actually make in the time period attached here to this complaint. That not true or fair credit reporting.
In fact XXXX is reporting {$0.00} paid. This is not true and accurate. I upload supporting evededence of payments made.
President Trump says, " Make America Great Again ''. The Question for XXXX is - - How can we if as a company there choosing to off shore and outsource such important services as accurate credit reprting? As a company if credit reporting in not accurate for whatever reason - it will mess up people life and ability to get credit.
Off shore call centers are controlling the reporting, And through no fault of their own just failing to understand the issues at hand and report " partial payments '' or " paid as agreed ''. And then the off shore team is repeatedly failing to understand the request and DO NOT reply to any request appropriate to the USA way. In order to resolve the matter simply report the accurat truth. Can we Make America great Again if XXXX continue to XXXXmbrace the policies of not engaging Americans? Seems like a conundrum!
Please - I dont expect the off shore team or XXXX to agree to resolve this matter. But XXXX and XXXX and Transunion are all USA based employees USA jobs. communication breakdown from credit reporting agency folkes are less likely. I emplore the local based USA associates - - Please, just use the evidence I upload of my XXXX statement. See that there were in fact payments made - and all I am asking for is fair reporting. Just report that payments made. I upload this so you understand in simple terms - I request truth to be reported. And the truth is - that I did pay, and certainly not {$0.00} as XXXX off shore team is inaccurately reporting. Its says {$0.00} paid. That is not true!
Lastly - XXXX account need to be expunged, it is a business card not a consumer card. See attached evidence.
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the metro 2 data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( s ) with you, as noted above> that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate Metro 2 COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not.It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above> ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late. Please also be aware that any negative mark found on my credit reports ( including XXXX, Transunion and XXXX ) from your company or any company that you represent, is a violation of the FCRA and or the FDCPA ; therefore if and when you can not validate the negative remark, or produce substantial physically verifiably confirmed proof of complete reporting truth, accuracy, completeness, timeliness, and compliance > the laws are in clarity to the facts that you absolutely must request that all credit reporting agencies display ONLY demonstrated proven compliant information to include any related to every single one even each any and or all of the still unproven alleged payment history deficiencies OR ANNUL by full deletion every allegation of derogatory notation and insertion of only PAID or PAYS as AGREED, NEVER LATE! Please forward to me as well as display to the consumer credit reporting agencies ONLY irrefutably COMPLIANT information as to what the account history is or remove any doubts with your submission to showcase the accounts payment history as " paid or pays as agreed, NEVER LATE entry.
Per FEDERAL REQUIREMENTS upon a consumer complaint ( be it a dispute or be it a challenge checking for compliant reporting ) pending the outcome of my investigation of any evidence that you submit, you are further instructed to take no action that could be detrimental to any of my credit reports.Your Failure to respond within 30 days of receipt of this certified letter and or your DEFICIENT OF COMPLIANT RESPONSE will indeed result in small claims legal action against your company at my local venue. Without hesitancy, I would be seeking a minimum of $ XXXX per infraction per reporting cycle in a suitable rectifying and remedial setting such as my local civil court ( which undoubtedly would likely to be in my favor ), and or even whatever other minimum monetary awards additionally I might be then rendered due to your deficient of compliant reporting ( or lack of proof of deficient reportings ) as is mandated by my States laws as well as the federal regulations such as is described with the regulatory and obligatory statutes such as the FDCPA, FCRA , my States credit reporting codes or else wise to include the requisites to have only true, correct, and complete recordings in utilization of the Metro 2 data field formatted reporting regulatory standards. As is within my consumer and civil rights to do so, I hereby enact my right to compel you by demand to please annul via full deletion/removing of every single one even each any and all of the unproven derogatory allegations of MY ACCOUNT or any aspect of adverse notations that is deficient of demonstrated evidence of certified compliance to adequate lawful and ethical reporting. LET IT BE CLEAR that I am NOT in dispute to the ownership nor responsibility to this account of MINE, however if you are unable or unwilling to present the mandated provable documents as to the full truth, accuracy, completeness, timeliness, and otherwise compliance of HOW REPORTED and HOW utilized, then you must per law eradicate any and all negative aspects.It is my request that you RETURN to or RETAIN federal COMPLIANCE and accurate reporting with your willful display of the accounts history as being PAID/PAYS as AGREED -- NEVER LATE. Any other notation is possibly refutable or even unlawful chichanary-led subterfuge which might be deemed an illegal infraction that creates potential unjustified consumer injury to which is OBVIOUSLY a SEVERE infringement of any reporting ethics and standards of law. Today, even right NOW and right here I suggest you remove any violation-laced behaviors on your part with you immediate submission to my request via this complaint in writ composition. Please forward me notification that you have communicated with the consumer credit reporting agencies and have, without any delays, directed each to eliminate any and all adverse remarks and further to display PAID or PAYS as AGREED, NEVER LATE!. Any other response on your part is INSUFFICIENT to responsible reporting and would be deemed an act of aggression, be it an unlawful one.
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| 12/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The TransUnion Annual 10-K Form under U.S. Data and Privacy Protection Page XXXX it states, Our U.S. operations are subject to numerous laws and regulations governing privacy, data security, consumer protection and the use of consumer credit information. Certain of these laws provide for civil and criminal penalties for the unauthorized release of, or access to, this protected information. The laws and regulations that affect our U.S. business include, but are not limited to, the following : Fair Credit Reporting Act ( the FCRA ) : The FCRA applies to consumer reporting agencies, including us, as well as data furnishers and users of consumer reports. The FCRA promotes the accuracy, fairness and confidentiality of information in the files of consumer reporting agencies that engage in the practice of assembling and evaluating consumer credit and other information relating to consumers for certain specified purposes. The FCRA limits what information may be reported by consumer reporting agencies, limits the distribution and use of consumer reports, establishes consumer rights to access and dispute their own credit files, includes provisions designed to prevent identity theft and assist fraud victims, requires consumer reporting agencies to make a free annual credit report available to consumers and imposes many other requirements on consumer reporting agencies, data furnishers and users of consumer report information. Violation of the FCRA can result in civil and criminal penalties. Regulatory enforcement of the FCRA is under the purview of the Federal Trade Commission ( the FTC ), the Consumer Financial Protection Bureau ( the CFPB ) and state attorneys general, acting alone or in concert with one another. Many states have their own fair credit reporting laws, which may include more exacting requirements, if not preempted by the FCRA.
State unfair and deceptive practices acts and practices laws : Many states have enacted statutes that prohibit unfair and deceptive acts and practices, relating to, among other things, marketing, disclosures and billing practices within the state or directed to consumers within the state. The Company and others in the industry may be subject to these laws with respect to the marketing of consumer credit information products. '' Federal Trade Commission Act ( the FTC Act ) : The FTC Act prohibits unfair methods of competition and unfair or deceptive acts or practices. We must comply with the FTC Act when we market certain credit related products, such as consumer credit monitoring and identity protection services. Our data collection, use and disclosure practices and the security measures we employ to safeguard the personal data of consumers could also be subject to the FTC Act, and our data practices or our failure to safeguard data adequately may subject us to regulatory scrutiny or enforcement action.
The Equifax Annual 10-K Form under the Summary of U.S. Regulations Relating to Consumer and Data Protection pages XXXX states, Our U.S. operations are subject to numerous laws and regulations governing the collection, protection and use of consumer credit and other information, and imposing sanctions for the misuse of such information or unauthorized access to data. Many of these provisions also affect our customers use of consumer credit or other data we furnish. Examples of the most significant U.S. laws include, but are not limited to, the following : Federal Laws and Regulation FCRA. The Fair Credit Reporting Act ( FCRA ) regulates consumer reporting agencies, including many of our U.S. operations, as well as data furnishers and users of consumer reports such as banks and other companies. FCRA provisions govern the accuracy, fairness and privacy of information in the files of consumer reporting agencies ( CRAs ) that engage in the practice of assembling or evaluating certain information relating to consumers for certain specified purposes. Among other requirements, the FCRA limits the type of information that may be reported by CRAs, limits the distribution and use of consumer reports and establishes consumer rights to access, freeze and dispute information in the consumer 's files. CRAs are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates and if a consumer disputes the accuracy of any information in the consumers file, to conduct a reasonable reinvestigation. The Consumer Financial Protection Bureau ( CFPB ) is the primary regulator that enforces and provides regulatory guidance related to the FCRA in the United States. CRAs are required to comply with regulations promulgated by the CFPB and are subject to regular supervisory engagements related to a variety of FCRA requirements. Violation of the FCRA can result in civil and criminal penalties. The FCRA contains an attorney fee shifting provision to provide an incentive for consumers to bring individual or class action lawsuits against a CRA for violations of the FCRA. The United States Federal Trade Commission ( FTC ) and state attorneys general may also enforce the requirements of the FCRA.
Privacy Act of 1974 ( 5 U.S. Code 552a ) Important Definitions ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
Consumer : TrransUnion and XXXX and all other third party companies involved with the furnishing and sharing of my nonpublic private information are in violation of but not limited to their Indenture Agreement and Privacy Act of 1974. ALL inquiries, transaction histories, balance histories, past due balances were reported without my written, prior consent. Further action will be taken and reported to the FTC for willful non-compliance to settle the multiple disputes made by the consumer through the CFPB.
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| 04/17/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I XXXX XXXX am a victim of identity theif. Ive reach out to XXXX, XXXX and Transunion in XXXX of last year and nothing has changed with my credit report. I just started college in XXXX but yet I see a ton of student loans that I did not apply for. I was denied school attendance 3 time because of fraudulent student loans. I strongly believe my information was compromise due to XXXX data breach. I have hired a local attorney to assist me in this matter and we plan to take legal action against transunion, XXXX and XXXX. If the items that has been stated do not get removed immediately. I opted out XXXX of last year in hopes that my information would not be shared. XXXX, Transunion and XXXX has violated the FCRA as if concern my identity theft request to remove all fraudulent accounts and inquiries concerning this unfortunate event that so many including myself have been through. I have a copy of the certified mail receipts as well as a copy of police report.on XX/XX/XXXX.
The fraudlent accounts and inquiries are as followed per bureau XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX {$1500.00} XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXXX XX XX/XX/XXXX {$500.00} XXXX XXXX/XXXX XXXX XXXXxx {$1300.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXX {$800.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$4000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$66000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$20000.00} XXXX/XXXX/XXXX XXXXXXXXX XX/XX/XXXX {$2500.00} XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$5000.00} XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$4000.00} XXXX/XXXX XXXX XXXXXXX XX/XX/XXXX {$3500.00} XXXX/XXXX XXXX XXXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXXXXX {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXXXX {$1300.00} XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXXX {$170.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXX {$800.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXXXXXX XX/XX/XXXX {$1500.00} XXXX XXXX/XXXX XXXXXXXXXX XXXX XXXX XXXXXXXX XX XX/XX/XXXX {$500.00} XXXX XXXX/XXXX XXXX XXXXxx {$1300.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXX {$800.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX 905228XXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$4000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$66000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$20000.00} XXXX/XXXX/XXXX XXXXXXXXX XX/XX/XXXX {$2500.00} XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$5000.00} XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX/XXXX XXXX XXXX3XXXX XX/XX/XXXX {$4000.00} XXXX/XXXX XXXX XXXXXXX XX/XX/XXXX {$3500.00} XXXX/XXXX XXXX XXXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXXXXX {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXXXX {$1300.00} XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXXX {$170.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXX {$800.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX TRANSUNION XXXX XXXX/XXXX XXXXXXXX XX/XX/XXXX {$1500.00} XXXX XXXX/XXXX XXXXXXXXXX XXXX XXXX XXXXXXXX XX XX/XX/XXXX {$500.00} XXXX XXXX/XXXX XXXX XXXXxx {$1300.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXX {$800.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$7000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$4500.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$5500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$3500.00} XXXX XXXX XXXX XXXXXXXXXXXX XXXX {$4000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$66000.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$20000.00} XXXX/XXXX/XXXX XXXXXXXXX XX/XX/XXXX {$2500.00} XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$5000.00} XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$2500.00} XXXX/XXXX XXXX XXXXXXXX XX/XX/XXXX {$4000.00} XXXX/XXXX XXXX XXXXXXX XX/XX/XXXX {$3500.00} XXXX/XXXX XXXX XXXXXXXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXXXXX {$140.00} XXXX XXXX XXXX XXXX XXXXXXXX {$330.00} XXXX XXXX XXXXXX {$1300.00} XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXXXXXXX {$170.00} XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXXXXX {$800.00} INQUIRIES XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Due to the credit bureaus negligence we have also decide to add the following individuals into our pending lawsuit. We strongly feel like these particular individuals within each bureau are mainly responsible as overseers as it pertains to our case My lawyer XXXX XXXX of XXXX XXXX XXXX will be placing these individuals as apart of our claims if fraudulent accounts and inquires by XX/XX/XXXX XXXX XXXX XXXX Customer Service Manager at XXXX XXXX XXXX Email : XXXX XXXX XXXX Operations Manager XXXX XXXX XXXX XXXX XXXX CEO CEO XXXX XXXX XXXX XXXX XXXX XXXX CFE CCIA Compliance Fraud Investigator XXXX XXXX XXXX XXXX XXXX XXXX CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX President US Commercial Services and Chief Client Officer XXXX XXXX XXXX XXXX XXXX President XXXX XXXX XXXX XXXX XXXX XXXX XXXX Svp US consumer Information Services XXXX XXXX XXXX SVP Chief Compliance Officer XXXX XXXX XXXX XXXX XXXX CRCM VP/Sr Manager of Regulation and Compliance XXXX XXXX XXXX XXXX XXXX Senior Vice President XXXX fraud/ID Theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX vice president chief legal XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX Compliance and Litigation Transunion Corp XXXX XXXX XXXX Executive Vice President Transunion XXXX XXXX XXXX XXXX Director Fraud and Identity management Transunion Corp XXXX XXXX XXXX Senior analyst consumer experiences Transunion Corp XXXX XXXX XXXX Director-Transunion Consumer Interactive Servicing Transunion Corp XXXX We feel these particular individuals have not assisted in making sure their respective bureaus are in compliance with the fair credit reporting act concerning my client. These individuals with be named in our pending lawsuit if the fraudulent information keeps reporting on their credit.
--
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| 05/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XX/XX/XXXX transunion sent me my results regarding two different accounts XXXX XXXX XXXX XXXX XXXX XXXX trausnunion updated XXXXXXXX XXXX and verified XXXX XXXXXXXX while looking over my results tranunion provided to me I am in disagreement that a investigation was done properly and I believe these data furnishers didn't investigate these accounts to begin with.
XXXX XXXX did NOT notate a NOTICE OF DISPUTE and they did NOT even report to transunion to begin with. the last time XXXX XXXX reported any information was XX/XX/XXXX. These results were generated XX/XX/XXXX XXXX this account was not properly investigated and I did NOT receive any type of notice of dispute from XXXX XXXX either. FCRA states when a consumer reporting agencies receives information regarding a dispute from a consumer they must send the data furnisher all disputed information in order for them to do a investigation and when the data furnisher has completed their invsestigation the data furnisher must send a notice of dispute to the consumer proving they dispute with the consumer reporting agencies with their findings and that notice MUST be notated in the credit report " the remarks '' section.
when it comes to XXXX XXXX, TransUnion has Verified this account as accurate. now I have already responded asking for the procedures that were done under 15 u.s.c 1681i ( a ) ( 6 ) ( B ) ( iii ) with a tracking number. so I am awaiting for that answer in 15 days once they receive it. but take a look at the way transunion reported this account AFTER they claim to have Verified this account as accurate.
First, this data furnisher XXXX XXXX DID NOT report on this account since XX/XX/XXXX proving to me that this data furnisher DID NOT do a investigation to begin with, because this date would have been changed upon them verifying this account with Transunion. the remarks section also DOES NOT specify a recent investigation was done either. even if transunion wants to come back and say that remark is a notice of dispute, the date updated proves that the remarks section is outdated because this data furnisher never investigated this account either.
Transunion is in violation and so are these data fursnihers. I have brought these accounts to their attention based on errors, TransUnion has provided me with written results as well as other consumer reporting agencies, only to justify them trying to complete their investigation in a timely manner, but that does NOT make a excuse on why these accounts were never investigated by these data fursnihers to begin with. and if these data furnishers come back and say they have did a investigation then my question is were are my notices of disputes regarding their investigation then, if they can report on my private consumer disclosure reports and they have my address what's the excuse for them not sending me this simple requirement docuement?
these are not FCRA requirements and these data furnishers and TransUnion are in non compliance and are responsible for the following violations.
15 U.S.C 1681c ( f ) ( f ) Indication of dispute by consumer. If a consumer reporting agency is notified pursuant to section 623 ( a ) ( 3 ) 1681s-2 that information regarding a consumer who was furnisher to the agency is disputed by the consumer, the agency SHALL indicate that fact in each consumer report that INCLUDES the disputed information.
15 U.S.C 1681s-2 ( a ) ( 3 ) ( 3 ) DUTY to provide notice of dispute. If the completeness or accuracy of ANY information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
15 U.S.C1681e ( b ) ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it SHALL follow reasonable procedures to ASSURE maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S.C 1681s-2 ( b ) ( E ) ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified AFTER ANY reinvestigation under paragraph ( 1 ), for purpose of reporting to a consumer reporting agency only, as appropriate based on the RESULTS of the reinvestigation promptly- ( ii ) DELETE that item of information ; or ( iii ) PERMANENTLY block the reporting of that item of information.
Under 15 U.S Code 1681s-2 ( a ) ( 2 ) ( 2 ) Duty to CORRECT and UPDATE information. A person who REGULARLY and in the ordinary course of business furnishes information to one or more consumer reporting agencies about the persons transactions or experiences with any consumer and Has furnished to a consumer reporting agency information that the person determines is not complete or accurate, SHALL promptly notify the consumer reporting agency of that determination and provide to the agency ANY corrections to that information, or any additional information, that is necessary to make the information provided by the person to the angency complete and accurate, and SHALL NOT therafter furnish to the agency ANY of the information that remains not complete or accurate.
623 15 U.S.Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies DUTY of furnishers of information to PROVIDE ACCURATE INFORMATION PROHIBITATION Reporting information with ACTUAL knowledge of errors. A person SHALL NOT furnish ANY information relating to a consumer to ANY consumer reporting agency if the person KNOWS or has REASONABLE cause to believe that the information is INACCURATE.
Reporting information AFTER not and CONFIRMATION of errors.
A person SHALL NOT furnish information relating to a consumer to ANY consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and the information is, in fact, INACCURATE.
15 U.S.C 1681 ( a ) ( 4 ) ( 4 ) there is a need to insure that consumer reporting agencies exercise their grave responsibilities with FAIRNESS, IMPARTIALITY, and a RESPECT for the consumer RIGHT TO PRIVACY.
15 U.S.C 6802 ( b ) ( b ) OPT OUT In General A financial institution may not disclose nonpublic personal information to a nonaffiliated third party ( the consumer reporting agencies ) unless- ( A ) such financial institution CLEARLY and CONSPICUOUSLY disclosed to the consumer, in writing or in electronic form or other form permitted by the regulations prescribes under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) The consumer is given the opportunity, ( I have a chance to say no ) before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) The consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( information needed to be expressed before my information was reported. )
|
| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Re : Complaint for XXXX XX/XX/XXXX Resolution : Formal national and state investigation into the credit practices of XXXX and data protections Dear Sir or Madam, I have spent no less than 12 hours on attempting to get to the bottom of how XXXX submitted an unauthorized application for credit in my name. I have been met with nothing but opposition and astonishment that a company of this size and scope has so many flagrant flaws and minimal protections for the consumer. I believe that my experience is not unique and request a full and immediate investigation.
Overview : I did not apply for credit from XXXX and completed an affidavit to attest to this. I did not attempt to purchase any car in XX/XX/XXXX at the XXXX located at XXXX XXXX XXXX XXXX, MD nor give authorization for my credit to be accessed. I have not looked at any XXXX XXXX or applied for any credit from this company.
I found that 5 or more companies had my private information and made credit inquiries on behalf of XXXX. The companies, including XXXX XXXX XXXX, XXXX and others state that they were forwarded the info directly from XXXX.
Statements of Fact 1. I believe that it is part of XXXX 's unethical business practices to NOT securely validate persons that walk into the dealership. Perhaps an overzealous, inexperienced salesperson who is pressured to have activity or a credit agent -- I am unsure ... but what I am sure of is that I did not on person or online authorize any such activity.
a. It is ironic that in speaking to the sale Manager XXXX XXXX at XXXX XXXX in XXXX -- he could not find my name in the system and found nothing at the store level indicating that my name or my presence in the store. I spoke with him on XX/XX/XXXX.
2. I have asked the credit department both onsite and offsite the following -- -WHAT signatures they have so that it can be compared to mine, what picture ID and other documents. are available to which they have said -- the name, dob and address were fine so they deemed it valid. I asked for an IP address, online info or anything that might possibly link me and validate this request -- they stated that no such policies exist and that they are not required to provide info.
3. I was told that a police report is NOT necessaryand did complete an affidavit. As a consumer why do I need to waste hours of my time and resources to prove that I contest the application? The system is so very flawed. Both XXXX at XXXX and the manager indicated that it was unnecessary but would help? HOW?
At the inquiry as to how they received my info I was instructed to complete an affidavit which I submitted all documentation and the affidavit ; they still refuse to admit that they fraudulently obtained my info or allowed someone else to. The Auto Department and specifically credit maintenance -- is not responsive, inept and rude ... they do not give last names but I have talked to XXXX and XXXX XXXX -- - the director is XXXX XXXX ( never available ) -- - then told XXXX XXXX is the manager of the credit department. This is confusing but reportedly after speaking with XXXX XXXX -- he is the manager and the application was done online and not in the store. There is no clear way of identifying that the person applying is a " real person '' -- no one knows. There is no request for a copy of a driver 's license online, employment or address verification -- -obviously this is putting all Americans at risk. Their competitors go additional steps ... after checking with XXXX as part of doing due diligence.
Online applications only requiring -- Name, social, dob, address, place for employment for any inquiry ...
The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX fax XXXX.
2. The actual store that help facilitate this fraud is : XXXX XXXX XXXX XXXX in XXXX, MD phone XXXX fax XXXX XXXX XXXX I have contacted the general manager XXXX XXXX on numerous occasions -- no less than a dozen and to his credit he has contacted me approx 3 times but when I call back no answer. Others in the onsite credit dept have been condescending and nonchalant. I did reach a very nice XXXX XXXX ( referenced above ) who connected me back to a manager ( XXXX ) in credit. However, they have a flawed system of response even in the local store as this has been going on for over a months.
3. I believe that XXXX does not have the proper security and protections in place to prevent persons from fraudulently attempting to obtain credit at this facility. This is evidenced by the fact that I was TOTALLY unaware of any credit report or identification of any car with this company and now over 5 loan companies were sent my information and have inquiries on my account. I never LOOKED at any XXXX XXXX and only had one episode ( unknown date ) of being on that location 's premise or website. I have for the last 15 years only driven XXXX XXXX and this is not anything that i would entertain as an option. It is unfair to the consumer to have to repeatedly reach out to the offending company, to be belittled, put on hold at best and be spoken to in tones that are horrific and demeaning by persons who work for the company. They do not return calls, have no real consumer protections in place and no methodical approach to answering questions except for -- '' We said so and that's it. '' I have asked for the legal department -- -1. They don't take calls from consumers '' ... I have asked for the investigator and 2. " They don't take calls from consumers and I have simply asked for manager who are mysteriously never available -- -and there is no assistant manager.
Resolution : 1. I request a full investigation of XXXX Credit practices, their privacy policies and safeguards to protect the citizens of Maryland and the United States by a federal and state agency. I request a written report of both the findings, the federal and state laws that may have been violated. In the event that there are no violations ; I request recommendations on the privacy that should be put in place and how your departments and agencies would protect consumers.
2. I request specific review of my complaint and removal of ALL inquiries generated by this unethical company.
3. I request that the practices and policies of XXXX be published and the findings of this investigation into their practices be made available to the public.
In closing, I have a XXXX XXXX XXXX mother -- - I just wonder how many persons are at risk. If a person can sit on a computer and repeatedly attempt to apply for credit with no validation points or methods. At some point they may get lucky and then take the next step with completing a purchase -- -in the case of XXXX it is only with approval do they require valid personal identification like a simple photo id. There concern is that if they give the car to the person that it is them -- -well the person could fraudulently reproduce Ids, etcafter they get the approval. There should be protection from the beginning. This is bigger than my issue -- -it is a matter of consumer protection across the board.
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| 04/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Hello Customer Service, Applied for school at XXXX in Spring XX/XX/XXXX and dropped out half way through the 1st Semester. XXXX applied and received amounts totaling XXXX for both Subsidized and Nonsubsidized loans combined for 2 semesters on my behalf. At this time, it was still XXXX XXXX. I was approved for the loan and XXXX received this money. After dropping out before completing the 1st semester and not attending the 2nd semester, that money that was given to them on my behalf, has to be returned to XXXX XXXX from XXXX. Somewhere during this transaction of the refunds, their was an error, either on XXXX or XXXX. Neither side is taking full responsibility. I am in very much disgust, however, because this was brought to both XXXX and XXXX attention back in XX/XX/XXXX whenever the bills from XXXX XXXX started arriving claiming an even higher amount that should have all been refunded from XXXX. Me, myself, called year upon year both sides and told them that something wasn't right about the account and I refused to pay something that wasn't owed. I signed forbearance agreements and deferment agreements just to get this put off as long as possible until someone decided to agree and help with the situation.
The money that should have been refunded, as you can see from the XXXX ledger attached, was XXXX on the Subsidized and XXXX on the Non-Subsidized. This would leave a balance of XXXX owed on XXXX and XXXX on the Nonsubsidized. This is what also showed on XXXX viewing of XXXX, however, on my viewing it shows the full XXXX for both loans combined + whatever interest and late fee accruals have been added on since this loan was 1st disbursed in XX/XX/XXXX. If these people would have heard me out, when I first told them this was wrong, the forbearance and deferment could have been avoided, but no one wanted to help and try and look deeper into the situation.
XXXX has advised me, that they were unable to find any bank records from that far back on whether or not the transaction failed electronically when the money was refunded back to XXXX XXXX. Therefore, they can not prove that their company wasn't in fault their-selves. When this was brought to their attention again, after about the 50th time, finally someone from the XXXX branch looked further into this issue that I was claiming and decided to take it to a corporate level. This is when we were told that they couldn't locate any bank records. With this information being invalid and unable to locate, they refunded the money again to XXXX ( XXXX XXXX bought out my Navient ), in the amount of XXXX and XXXX in XX/XX/XXXX. You can also see this transaction on their accounting ledger based on my account. This sounds like to me, they are taking a little responsibility for this error? XXXX applied the money that was sent the second time and noticed that their was a accounting screw-up on their end back in XX/XX/XXXX when this 1st occurred and received all of their money back. I'm not sure, I wasn't involved in any of this communication, but this is the information that I was given.
XXXX XXXX and XXXX XXXX both had correspondence through XXXX that they have been speaking during this whole process. I have asked numerous times for a contact or someone that could help me in getting my account resolved because at this point, they were just trying to re-coupe the money they had just sent and point the finger at XXXX for full responsibility. I have tried myself numerous times to reach out to someone at XXXX, however, all I ever talk to is someone of different ethnic background that doesn't understand the situation and XXXX and XXXX were both working for the school to try and prove that XXXX was the one at fault here.
The 1st payment to XXXX was in XX/XX/XXXX and I paid them a total of XXXX combined for both loans. This is actually more than what was originally owed. You can see the breakdown of payments/interest accrual ( based on an incorrect amount ) / and late fees on these attached PDF documents. I'm not sure what happened from this point, this was all communication between someone at XXXX / XXXX and XXXX, but the last email I received was that my account was up to date and corrected and all late fee and interest accrual had been adjusted. I received this information from XXXX and I advised her that it was still incorrect. This is when I was contacted by XXXX XXXX, also with XXXX.
XXXX XXXX has been in contact with XXXX, since XXXX and XXXX have stepped out and advised me just the other day that everything was right on my account and the XXXX was still owed. I told him this was incorrect and he needed to do the math. The interest rates and late fees during the deferment and forbearance periods should have been a lot lower based on the original amount that was owed not the overcharged amount that was showing in the transaction history. XXXX still showing a balance on my end and have charged late fees like crazy during this process. I advised XXXX and XXXX that all that needed to come to a cease until all this was figured out. I also advised them that I wanted detailing information regarding all adjustments that were made on my account. I haven't received any of this. The XXXX still shows on XXXX but XXXX is showing a XXXX balance. This sounds like to me again, misreporting on XXXX end.
I am waiting to hear back from XXXX regarding any information he has gathered from XXXX, but its almost like pulling a tooth to get any information out of him. He did advise me a few days ago that I needed to reach out to an advocate person at XXXX that would handle all communication between myself and them.
The problem I'm having with all this is I have told both parties about this error since XX/XX/XXXX and nothing has been done to fix it. I apply for loans and get turned down because this loan is showing bad on my credit, even though I have kept up paying it. I do not owe them any more money and that is another issue I'm having problems with. I have already paid in full what is owed to them. I want from these people, either XXXX or XXXX : or both, some kind of fix to this issue. I want my Credit fixed more than anything and I want to put all of this behind me and not have to worry with either of them anymore. Everyone is just trying to save themselves from a lawsuit, because I have spoke with lawyers regarding this matter and " defamation of character ''. I'm not sure what you guys can do for me but I would really appreciate your time and effort into getting this entire matter resolved and both parties to be held responsible for making the last 10 years of my life difficult. Please feel free to give me a call or email if you have any questions or concerns. I tried breaking it down the best I could but their may be some information that was left out.
I am showing a 0 balance on my credit report for both subsidized and non-subsidized loans, but both are showing past due and CLOSED on their end with a XXXX balance on both. I can provide proof of this from my credit report.
Thank you.
XXXX XXXX
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| 09/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I hope this letter finds you in good health. I am writing to formally dispute several items on my credit report, and I kindly request the enforcement of my legal rights under the Fair Credit Reporting Act ( FCRA ). The inaccuracies in my credit report have had a profound and deeply emotional impact on my life, affecting my financial stability, emotional well-being, and overall quality of life.
XXXX XXXX Bankruptcy : XXXX XXXX : XXXX Violation : Reporting inaccurate information on my credit report.
Relevant Laws : FCRA Section 1681s-2 ( a ) : Requires credit reporting agencies to maintain accurate information and investigate disputes.
Unauthorized Credit Inquiries : Violation : Unauthorized credit inquiries.
The following creditors made unauthorized credit inquiries, violating my privacy and causing unnecessary XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX ( Date of inquiry : XX/XX/XXXX ) I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Relevant Laws : FCRA Section 1681b : Outlines permissible purposes for accessing a consumer 's credit report.
FCRA Section 1681n : Allows consumers to seek damages for willful violations of the FCRA.
Questionable Account with XXXX : Violation : Reporting questionable account information.
Account Number : XXXX Relevant Laws : FCRA may apply to issues related to the accuracy of reported account information.
Inaccurate Reporting for XXXX XXXX : Violation : Reporting inaccurate payment history.
Account Number : XXXX Relevant Laws : FCRA Section 1681s-2 ( a ) : Requires credit reporting agencies to maintain accurate information and investigate disputes.
Incorrect Personal Information : Violation : Reporting incorrect personal information.
Incorrect Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Correct Address : [ Your Correct Address ] Relevant Laws : FCRA Section 1681s-2 ( a ) : Requires credit reporting agencies to maintain accurate information and investigate disputes.
In light of the emotional and financial toll these inaccuracies have taken on my life, I kindly request the following actions : Enforce Legal Rights : I ask the Consumer Financial Protection Bureau to diligently investigate these violations of the FCRA and any other relevant laws. It is my hope that the CFPB can ensure that my rights under these laws are fully enforced.
Removal of Unverified Accounts : I implore the creditors listed above to promptly and completely remove the unverified and inaccurate accounts from my credit report. These accounts have caused undue hardship, and their presence has hindered my ability to secure financial stability and move forward with my life.
I would like to express my sincere gratitude for your attention to this matter. These inaccuracies have taken an immeasurable toll on my life, and I hope that the CFPB can help rectify this situation so that I may rebuild my financial well-being and regain control of my future.
Thank you for your time and consideration.
Sincerely, XXXX XXXX XXXX
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| 08/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act ( 15 USC 1681 section 602 ), it is essential to ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Both XXXX and XXXX serve as consumer reporting agencies, and as a consumer, I have the right to safeguard my private information, as supported by 15 USC 6801, which emphasizes the obligation of financial institutions to respect customer privacy and protect nonpublic personal information.
Under 15 USC 1681 section 604 a section 2, consumer reporting agencies may only furnish a consumer report with the explicit written instructions of the related consumer. However, I have not provided any consent to XXXX, XXXX, or any financial institution to furnish my information. Any previous consent given to these agencies, whether it was verbal, non-verbal, written, implied, or otherwise, is hereby revoked.
Additionally, 15 USC 6802 ( b ) ( c ) states that financial institutions are prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless the consumer is informed about their right to exercise a nondisclosure option. In this case, the ( Furnisher of information to credit agencies ) has not informed me of this right.
Furthermore, 15 USC 1681C ( a ) ( 5 ) specifies that consumer reporting agencies are not allowed to include certain adverse items of information in a consumer report without proper authorization. This account being reported is an adverse item that they are reporting without my consent, which is unlawful.
According to 15 U.S. Code 1681s2 ( A ) ( 1 ) A, a person should not furnish any inaccurate information about a consumer to any consumer reporting agency. Moreover, 15 U.S. Code 1681e requires consumer reporting agencies like XXXX and XXXX to maintain reasonable procedures to avoid violations of Section 1681c and limit the furnishing of consumer reports to specific purposes under Section 1681b. It appears that both agencies are not maintaining reasonable procedures in this regard.
Finally, as per 12 CFR 1016.7, I retain the right to opt out of your reporting services at any time, and I am choosing to exercise this right now.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX inquiries- XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX Inquiry XXXX XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal XXXX XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX / Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX GLOBAL XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX I Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX - XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX # XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX Transunion accounts- XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Transunion Inquiries- XXXX XXXX Inquiry XXXX XXXX XXXX XXXX XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXXXXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXXnquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX
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| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XX/XX/2023, I sent a letter certified mail to all three credit reporting agencies ( TransUnion, XXXX, and XXXX ), explaining that they were violating the Fair Credit Reporting Act by continuing to report inaccurate information on my consumer report and release my consumer report without my written permission ( see attached, Record, No1A, Record No 1B, and Record No 1C ). This includes reporting over ten incorrect names, twenty incorrect addresses, and a plateau of incorrect and duplicate accounts and hard inquiries ( see attached credit report ). The bureaus stated that they would initiate a reinvestigation ; however, their investigation did not correct the errors I identified in my letter.
According to the Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Consumer Statue Violations : 15 U.S.C. 1681 Section 602 ( A/B ) : CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE a. Accuracy and fairness of credit reporting : The Congress makes the following findings : 1. The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
2. An elaborate mechanism has been developed for investigating and evaluating credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
3. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
4. There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
b. Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.
15 U.S.C. 1681 SECTION 604 ( A/C ) : PERMISSIBLE PURPOSES OF CONSUMER REPORTS a. In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : 2. In accordance with the written instructions of the consumer to whom it relates.
c. Furnishing reports in connection with credit or insurance transactions that are not initiated by the consumer.
3. Information regarding inquiries. Except as provided in section 609 ( a ) ( 5 ) [ 1681g ], a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
15 U.S. CODE 1681 SECTION 605 ( A ) : REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS a. Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : 4. Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.
5. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S. CODE 1681 SECTION 607 ( A/B ) : COMPLIANCE PROCEDURES.
a. Identity and purposes of credit users. Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 605 [ 1681c ] and to limit the furnishing of consumer reports to the purposes listed under section 604 [ 1681b ] of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 604 [ 1681b ] of this title.
b. Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.
15 U.S. CODE 1681 SECTION 611 ( 1A/2B/5Ai, ii ) : PROCEDURE IN CASE OF DISPUTED ACCURACY.
Reinvestigations of Disputed Information 1. Reinvestigation Required a. ( A ) In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
2. Prompt Notice of Dispute to Furnisher of Information b. ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
5. Treatment of Inaccurate or Unverifiable Information A. In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i. promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 U.S.C. 1681i ii. promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
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| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX SS # : XXXX Date of Birth : XXXX Subject : Urgent : Rectification Needed for FCRA Violations in My Credit Report Dear Transunion, I'm urgently reaching out to address significant discrepancies in my credit report that directly contradict the guidelines set by the Fair Credit Reporting Act ( FCRA ). It's concerning that multiple errors persist in my credit profile, signaling a notable oversight of FCRA regulations within your agency.
To clarify : The Fair Credit Reporting Act is a pivotal federal statute governing the collection, reporting, and precision of consumer credit information. It emphasizes the accurate acquisition, retention, and dissemination of a consumer 's credit data, ensuring transparent information sharing with consumers.
Instances of FCRA violations observed include : Inaccurate financial data provided by creditors to reporting agencies.
Merging of individuals ' information by reporting agencies due to name or social security number similarities.
Neglect of prescribed protocols for dispute resolution by agencies.
Under the Fair Credit Reporting Act, I have specific rights : The right to verify the accuracy of my report, particularly for employment purposes.
Notification if information from my file has been used against me in credit applications or other transactions.
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data.
Removal of outdated negative information, typically after seven years, or ten in cases of bankruptcy.
I formally request the immediate removal of the listed items below. These items significantly breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has led to considerable distress, notably evident in my recent denial for extended credit due to errors originating from your agency.
1. The following personal information is incorrect Account XXXX : Employers : XXXX XXXX. XXXX XXXX bankruptcy discharged Case Number : XXXX The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such informance or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies I demand this account be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXXXXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXXXXXX XXXX Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXX LNS Account Number : XXXX I was never late on this account. Please remove those late payments.
XXXX. XXXX Account XXXX : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX Account XXXX : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX Account XXXX : XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
I expect swift action to rectify these violations within the time frame mandated by the FCRA. Failure to comply will, regrettably, leave me no choice but to pursue legal measures to ensure my rights under the FCRA are honored.
Sincerely, XXXX XXXX
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| 06/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The Fair Credit Reporting Act insures the consumers right to fair and accurate reporting from Transunion. Transunion has violated Federal laws that has caused damages to the consumer as well as my natural person. I mailed a packet to Transunion on XX/XX/XXXX. I have the XXXX XXXX XXXX XXXX Domestic Return Receipt ) that documents Transunion stamped and signed received on XX/XX/XXXX. In this packet, Transunion received an Affidavit of Truth with approximately 7 exhibits labeled ( Exhibit A-Exhibit G ) showing documented evidence as proof that Transunion is in violation of Federal laws. The Affidavit of Truth is signed and notarized under penalty of perjury that the information is true and accurate to the best of my knowledge. Keep in mind, an unrebutted Affidavit of Truth is considered Truth in Commerce and I am fully aware of ALL of my rights as a litigious consumer.
Pursuant to 15 US Code 1681 ( a ) ( 1 ), Transunion has several inaccurate and unfair records on my credit report. This includes the credit score itself as there is no way for me or any consumer to determine the calculation ; therefore the score is based on assumption and not facts without any way to rebut the accuracy or inaccuracy thereof. Transunion put a collection on my report that has not been verified. Transunion has a public record on my report that has not been verified. Transunion has a negative account that I can only assume has allegedly been verified, yet I have no information or documents from said creditor or Transunion to confirm the validity. What evidence does Transunion have to validate any of these accounts? Verbal or written, I need to know and see what evidence Transunion has to keep any disputed information on my report per my rights as the consumer.
Pursuant to 15 US Code 1681 ( a ) ( 4 ), Transunion has blatantly disregarded my right as a consumer to privacy as they are reporting an unverified public record and has been reporting this record for approximately 5 years causing me as a consumer and my natural person irrevocable damage. I have provided proof that XXXX could not verify this public record and has deleted this record since XX/XX/XXXX as evidenced on page 16 ( Exhibit B ). I have written Transunion several letters asking them to delete this item if they can't verify, and they either ignored it or said it was verified every time, but what is the verification? An unauthorized public record on my Transunion consumer credit report causes me great distress when applying for credit that your company has continued to allow to remain on my public file without any authority since XXXX. XXXX also mistakenly had this public record listed on my consumer report and they have removed it as of XX/XX/XXXX because they could not verify either. What evidence does Transunion have that XXXX XXXX as well as XXXX doesn't have to keep listing item on my consumer credit report causing further damage to my reputation and life?? If there is nothing, please remove immediately as I have requested information or deletion since XX/XX/XXXX.
Transunion has remained uncooperative in deleting invalidated items from consumer credit report since XX/XX/XXXX. Pursuant to 15 US Code 1681 ( b ), Transunion must show complete procedures and information used to verify as well as validate accounts before it can even be listed and/or remain on a consumer 's report. Transunion has not shown any documentation for these negative, damaging items to remain on my credit report and file in spite of my request as evidenced in letters Exhibit C.
Transunion must EXCLUDE any report if it includes transactions and experiences between said consumer and the entity ( individual or organization ) making the report. It has been brought to my attention that I may be a victim of identity theft as well as fraud from 2 companies : XXXX XXXX and XXXX. How and ever, according to15 USC 1681a ( a ) ( d ) ( 2 ) ( A ) ( i ), Transunion should have never been reporting these items anyway due to the fact that it is allegedly a consumer credit transaction or experience with said companies.
Transunion has been releasing my credit file haphazardly with all kinds of negative, damaging and inaccurate information. According to 15 USC 1681b ( a ) ( 2 ), this is violating consumer 's rights as I had not given any written instructions until I sent my packet on XX/XX/XXXX. Now Transunion has written instructions on how I would like my consumer credit report to not only appear but also how, when, and who it can be released to moving forward. Pursuant to the above listed code, this is my consumer right. Strangely enough, Transunion has been releasing my information ; how and ever, they have made it almost impossible for me to attain my own consumer report online or otherwise. I am supposed to be able to get my report every week due to the pandemic and it has been impossible for months now. Yet Transunion wrote me a letter saying I had already received my free report for the year. What about all the other weeks I asked for the report but couldn't attain it?
I have provided identity theft reports as I have reason to believe that someone from XXXX XXXX as well as XXXX was credited from my consumer credit card yet still reported it and Transunion has not done their job as a fair credit reporting agency to have documented proof to verify these accounts. This makes Transunion civilly liable and Transunion may also be criminally liable as a participant in fraud pursuant to 15 US Code 1681c-2 ( a ). If you have verified information, please provide them so that I can investigate further as I have requested since XX/XX/XXXX. If you do not, please remove immediately.
Pursuant to 15 USC 1681i ( a ) ( 1 ) ( A ), Transunion failed to verify multiple accounts as stated above several times. Consumer wrote Transunion on XX/XX/XXXX in which Transunion received the letter on XX/XX/XXXX. Unverified information still remains on report without any documented proof given to consumer as requested. Consumer sent Transunion a second letter on XX/XX/XXXX that Transunion received on XX/XX/XXXX. Unverified negative information remained on report without documented proof. A third letter was sent on XX/XX/XXXX, XXXX that Transunion received on XX/XX/XXXX. Unverified information still remains on credit report and file without any verified documented proof and without permission or instructions from consumer. There are several codes and laws in the Fair Credit Reporting Act that state Transunion MUST verify with legitimate documented proof. Transunion has blatantly disregarded and ignored these codes and laws repeatedly and has caused irreparable damage to the individual and natural person.
All information that was mailed to Transunion will be attached in this complaint. I sent a copy of my drivers license as well as social security card which was included in packet. A utility bill will also be attached with this CFPB complaint in hopes that Transunion will act in good faith and respond lawfully and honorably as requested.
|
| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX With regard to any access to education records procedures outlined in Title 20 U.S. Code 1232g must be followed and insure the records are not inaccurate, misleading, or otherwise in violation of the privacy rights of students, and to provide an opportunity for the correction or deletion of any such inaccurate, misleading or otherwise inappropriate data contained therein ; Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, producing an effect that prevents access to my estates extensions of credit as the beneficiary, denied rights of action, chose-in-action, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Beneficiary Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I got a response from the CFPB from XXXX XXXX XXXX XXXX on XX/XX/2023.
XXXX XXXX XXXX XXXX quoted The information furnished to the credit reporting agencies is allowed per the Privacy disclosure and terms of service provided during the application process. The privacy policy and terms can be viewed online at XXXX XXXX XXXX. XXXX XXXX , XXXX is not a consumer reporting agency per the definition provided in the Fair Credit Reporting Act. XXXX is a data furnisher as we provide account information to the credit reporting agencies. As a data furnisher, XXXX reports account information to the credit reporting agencies which does not require written consent from the account holder. Consumers do not have the option to opt out of credit reporting as credit reporting agencies are excluded from the definition of a non-affiliated third party. Credit card and Credit Builder Accounts can be reported as late if payments are not received and the account goes 30+ days past due. XXXX XXXX , XXXX does not report solely to transactions and experiences between consumers and the data furnisher. XXXX XXXX XXXX XXXX has stated that they dont need my written consent to furnish this alleged account on my consumer report. 15 USC 1681b2 permissible purpose THE FCRA clearly states that my written instructions needs to be on file before the consumer reporting agencies furnish a consumer report. 15 usc 1681e - Compliance procedures b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. What law states that your corporation is able to report transactions on a consumer report? 15 U.S. Code 1681a - Definitions ; rules of construction ( d ) Consumer Report.
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The only time XXXX XXXX XXXX XXXX can treat a payment as late fall under the law 15 U.S. Code 1666b - Timing of payments a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 2nd attempt Im requesting 15 usc 1666b and the certified tracking number that you either mail delivered or emailed this information to me for I have on recorded line your agent saying that your corporation doesnt have this information on file 15 usc 1666b along with the requirements of 15usc 1637b so Im requesting that information failure to comply will on your corporation liable for my actual damages for 15 usc 1681s-2 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have already put your corporation on notice for if you dont have this information Im requesting that mean the information is inaccurate and unverifiable and by law this should not be reporting on my consumer report B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Your company as a data furnisher shall not furnish information if you been notified that specific information is inaccurate and the information is in fact inaccurate for their is no law that says you can report transactions on my consumer report without comply with 15 usc 1666b with 15 usc 1637b Failure to comply with the FCRA 15 U.S. Code 1681n - Civil liability for willful noncompliance a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and Let me say again I have your agent on recorded line saying yall dont have the information Im requesting which makes your corporation negligence with the my information and this is all exhibits. Im also requesting my disclosure pursuant 15 usc 6802 and I want it to be in compliance with 15 usc 6803 for you have disclosed my information my Nonpublic personal information so that lets me know you suppose to have all three of my disclosure on file so Im requesting those disclosures your corporations spoke in vain for consumer reporting agencies are in fact financial institutions 15 usc 1681 ( a ) ( f ) f ) The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports. I am requesting this information to see even if you have sufficient evidences to furnish this horrible information to my consumer report thank you
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| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX XXXX XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently pulled a copy of my consumer report and noticed 7 items that are in direct violation of my consumer rights under 15 USC 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 USC 1681a ( 2 ) ( i ) which is Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have a right to privacy. Remove and block these items listed below : 1. XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXXXXXX XXXX XXXX- XXXX 4. XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX I have sent multiple letters requesting the deletion of late payments due to direct violation of my consumer rights.
I recently received a copy of my XXXX credit report, and I noticed some late payments posted on my credit report.
XXXX XXXX showing 30 days past due for XX/XX/2021 and XX/XX/2021 Instead of deleting these negative late remarks you stated they accounts was verified and updated but nothing was changed. I DEMAND DELETION OF THESE NEGATIVE REMARKS DUE TO THE VIOLATIONS LISTED BELOW.
Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Did I give you written instructions to furnish this account on my credit report?
Furthermore, the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 ( 2 ) ( A ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Transaction : payment history Experience : amount of credit using Line of credit : an experience what you use and how you use it/ swipe card : are all transactions Delete the above late payments from my consumer report, this is in violation of the FAIR CREDIT REPORTING ACT 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced account will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance- 616. Civil Liability for willful noncompliance ( 15 U.S. Code 1681n ) These negative remarks and accounts reported were without my permission.
THIS INFORMATION IS NOT INFORMATION RELATING TO ANY TRANSACATION BY THE CONSUMER.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT You, XXXX are furnishing inaccurate and incorrect information to the consumer reporting agencies.
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes.
You and your inaccurate reporting have damaged my livelihood.
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a )
DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact PROHIBITION : a law or regulation forbidding something As Defined by the IRS The IRS Clearly defies a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate!
By Definition The IRS Clearly says a Cancelled or Charge off is income. The reporting of this account as a debt is inaccurate.
15 USC 1681 s-2 Says you XXXX are a furnisher of information to a consumer reporting agency.
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately.
15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.
The lender must file 1099-C and send you copy if the amount of the debt cancelled is $ XXXX more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in XXXX XXXX.
The above paragraph is taken directly from the IRS 2021 publication.
I have not gotten a 1099-C that should have been sent when the furnisher reported this account and Filed the account as a cancelled debt but they have not so they are in violation of reporting inaccuarate information as well as XXXX due to I asked for a complete investigation into this matter and was replied back that you have and the account was verified and accurate but it is not.
15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate.
The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information.
You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, Inaccurate account from my consumer report.
You have four [ 4 ] days to REMOVE THESE ITEMS FROM MY CONSUMER REPORT.
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| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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Ive tried reaching out to the credit bureaus XXXX Transunion and XXXX. I have a few inquiries on my consumer report that should be removed, Below I've put a list for each bureau and the inquiries Transunion 1.Validate Account XXXX Account Number : I need to see all bank transaction that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payment 2.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 3.Validate Account XXXX XXXX Account Number : Please Update all payment, all pay was made on time.
4.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 5.Validate Account XXXX Account Number : My parent has the same name as me.
6.Validate Account XXXX XXXX Account Number : THIS CONTRACT IS CANCELED 7.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 8.Validate Account XXXX XXXX Account Number : Please Update all payment, all pay was made on time.
9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report.
The items below should all be removed from my consumer report under 15 US Code ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ).
XXXX 1.Validate Account XXXX XXXX XXXX XXXX Account Number : Please ensure that all information is accurate 2.Validate Account XXXX XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 3.Validate Account XXXX XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
4.Validate Account XXXX XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
5.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 6.Validate Account XXXX Account Number : My parent has the same name as me.
7.Validate Account XXXX Account Number : THIS CONTRACT IS CANCELED 8.Validate Account XXXX XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
9.Validate Account XXXX XXXX XXXX Account Number : Please supply information on how you have verified this item.
10.Validate Account XXXX Account Number : Please removed from my public record 11.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
12.Validate Account XXXX XXXX XXXX Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment 13.Validate Account XXXX XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 14.Validate Account XXXX Account Number : THIS CONTRACT IS CANCELED 15.Validate Account XXXX Account Number : Please investigate and delete from my credit report.
16.Validate Account XXXX XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 17.Validate Account XXXX XXXX XXXX XXXX Account Number : Please remove it from my credit report.
18.Validate Account XXXX Account Number : My parent has the same name as me.
19.Validate Account XXXX XXXX XXXX Account Number : I need to see all bank transaction that belong to this company that would proved my payments were not accepted on time or you need to removed these unverified late payment XXXX 1.Validate Account XXXX XXXX XXXX Account Number : Please Update all payment, all pay was made on time.
2.Validate Account XXXX XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
3.Validate Account XXXX Account Number : This is not mine.
4.Validate Account XXXX Account Number : Please removed from my public record 5.Validate Account XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 6.Validate Account XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
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| 01/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Account name : XXXX Account # : XXXXDuplicate accounts are illegal and a violation of FCRA XXXX had duplicate ( 4 in total ) on my credit report, I disputed them and they violated my rights. XXXX now owes me multiple {$1000.00} per occurrence violations. I demand they be deleted off of my credit report they are harming me.
Account name XXXX XXXX Account # : XXXXDuplicate accounts. I demand to see proof of payment for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Account name : XXXX Account # : XXXX accounts shows okay payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX that is inaccurate reporting. Therefore REMOVE ALL LATE PAYMENTS off my credit reportAnd update it to paid as agreed due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing Its not accurate. See Red marks on Attached.
Account name : XXXX Account # : XXXXDuplicate accounts payment history shows okay payment in XXXX of XXXX followed by a XXXX late in XXXX of XXXX. This is inaccurate reporting Therefore REMOVE ALL LATE PAYMENTS off my credit reportAnd update it to paid as agreed due to my FCRA Rights. All XXXX bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( TransUnion XXXX ) ( XXXX & XXXX XXXX ) Not my account Account name : XXXX Account # : ( TransUnion XXXX ) ( XXXX & XXXX XXXX ) it is illegal for a collections account to have an account type of open This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
1. Account name : XXXX Account # : ( TransUnion XXXX ) ( XXXX & XXXX XXXX ) Re-aging a collection account is illegal, XXXX now owes me multiple {$1000.00} per occurrence violations. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All XXXX bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( TransUnion XXXX ) ( XXXX & XXXX XXXX ) previously disputed account. Transunion, XXXX and XXXX did not do a proper dispute investigation in the allotted time of 30 days, This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( TransUnion XXXX ) ( XXXX & XXXX XXXX ) I demand to see proof of payment for the date of XXXX XXXXThis is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( TransUnion XXXX ) ( XXXX & XXXX XXXX ) I demand to see proof of payment for the dates of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( TransUnion XXXX ) ( XXXX & XXXX XXXX ) payment history shows XXXX of XXXX shows ok payment, followed by 120 day late in XXXX of XXXX which is illegal.This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX Account # : ( TransUnion XXXX ) ( XXXX & XXXX XXXX ) the payment history shows XX/XX/XXXX as an okay payment for XXXX a charge-off for XXXX and no information for TransUnion followed XXXX in XXXX of XXXX 120 days late for XXXX a charge off for XXXX and no information for TransUnion, This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
Account name : XXXX XXXX XXXX XXXX Account # : XXXX previously disputed account. During the investigation XXXX followed the rules and DELETED the account. Transunion and XXXX did not and are in current violation of my rights! Transunion and XXXX, did not complete the investigation in the allotted time of 30 days. This is inaccurate reporting Therefore delete off my credit report due to my FCRA Rights. All 3 bureaus violated 15U.S.C 1681a ( 2 ) a ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. See Red marks on Attached.
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| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX XXXX XXXX, PA XXXX Attn : INTENT TO FILE LAWSUIT/ Disputes Department XX/XX/XXXX XXXX XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have. My rights are protected by the congress under the FCRA ( Fair Credit Reporting Act ). The list of acconts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. YOU HAVE NOT RESPONDED TO MY DISPUTES!!!!! It has been 45 days and there has been no respond via mail or email. I am planning on pursuing full legal action under 15 U.S Code sec 1681s-2 ( b ) also uner the grouds of '' DEFAMATION OF CHARACTER '' if acconts are not updated and deleted within 5 business days.
This has ruined my life and caused me emotional and financial duress. I has also hired a consumer law protection lawyer to assist me in this matter. I will be suing under the grounds of 15 U.S Code sec 1681s-2 ( b ) reason being, Your lack of correct reporting under the FCRA.
-I am Unable To Secure A Mortgage, Auto, Or Personal Loan Due To False Credit Reporting .
-I Have Suffered Homelessness, Or Can not Secure Stable Housing Because Of False Information In Your Credit Report.
-I Have Experienced Increases Or Inflated Rates On Insurance Premiums And Other Lines Of Credit Because Of Erroneous Information In Your Report.
-I am Unable To Open New Lines Of Credit As A Result Of A False Report.
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Texas XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX PA XXXX I will also be filing a complaint with the XXXX ( XXXX XXXX XXXX ) and the CFPB ( Consumer Financial Protection Bureau ) as of Today. I have all the documented proof that you are in violiotions, including all certified mailing reciepts.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt vs. Gravens ( MO ) 281 SW 715, 719. I may presume that there is no proof of alleged debt, nor therefore and such debt. in fact exists.. Also under the Fair Credit Reporting Act, these disputed and fraudulent items may not appear on my credit report if they can not be supported by accurate evidence.
-15 U.S.C. 1681 section 602 A States. I have the right to privacy.
-15 U.S.C. 1681 section 604 A Section 2- States. It also states a consumer reporting agency can not furnish an account without written instructions.
If each account listed below is not updated and or deleted. I will pursue damages of XXXX $ per account per violation.
Keep in mind, I have opted out of all arbitration and terms that your bureau has set in place for consumers as it pertains to taking legal action.
XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. Under XXXX5 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Please verify late payments. I was never late. Please provide me in writing the statement date and who you spoke with to confirm theses late payments inwriting. I will not accept a template response. I demand late payments be removed XXXX. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were ( INACCURATE, OUTDATED OR OBSOLETE and FRAUDULENT ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my ( FOURTH ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Please see my reasons for dispute below : XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX Identity Theft XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. Under XXXX XXXX XXXX this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXXL Account Number : XXXX Please verify late payments. I was never late. Please provide me in writing the statement date and who you spoke with to confirm theses late payments inwriting. I will not accept a template response. I demand late payments be removed XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Assistant Director of Enforcment ( CFPB ) cc. State Regulatory Agency cc. Attorney GeneralOffice of my state cc. Federal Trade Commission cc. My local county Small Claims courts cc. CFPB ( Consumer Financial Protection Bureau
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| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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To Whom It May Concern : On XX/XX/2020, XXXX, TransUnion, and XXXX are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files.
FOR XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report.
XXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
2. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule.
XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave your permission to do so.
XXXX Account Number : XXXX DELETE THIS!
4. Do you have authorization to report sensitive medical records to my personal credit file?
XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY!
5. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 6. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once!
7. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
XXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS.
8. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
XXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW!
9. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen?
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
FOR XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report.
XXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
2. This is a collection account so balance should be {$0.00} but I am looking at a balance amount of {$2000.00}. It is not making any sense!
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
3. Do you have authorization to report sensitive medical records to my personal credit file?
XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY!
4. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 5. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once!
6. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
XXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS.
7. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
XXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW!
8. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen?
XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 10. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX DELETE THIS!
FOR TransUnion 1. The high credit or original amount is being reported inaccurately and inconsistently. This is not making any sense to me why the information is totally different for each bureau report.
XXXX/XXXX Account Number : XXXX Delete this account for reporting inaccurate information.
2. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 3. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX Account Number : XXXX DELETE THIS!
4. This is a collection account so balance should be {$0.00} but I am looking at a balance amount of {$2000.00}. It is not making any sense!
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
5. Do you have authorization to report sensitive medical records to my personal credit file?
XXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. Otherwise, you need to remove this from my credit IMMEDIATELY!
6. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT FOR HIPPA VIOLATION 7. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule XXXX XXXXXXXX XXXX Account Number : XXXX Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws. If you can't, take this off my credit at once!
8. Your agency must provide me with proof that they have my consent to report my medical information in accordance with HIPAA laws.
XXXX XXXX XXXX Account Number : XXXX REMOVE THIS MEDICAL ACCOUNT IN VIOLATION OF THE HIPPA LAWS.
9. Medical Accounts should not be reported because it is a breach of HIPPA Privacy Rule and I never gave you permission to do so.
XXXX Account Number : XXXX If you have no proof that you have my consent, DELETE THIS NOW!
10. This is a collection account and should not have and balance associated with it. I am looking at a balance in the amount of {$170.00}. Why and how did that happen?
XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
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| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX Attn : INTENT TO FILE LAWSUIT/ Disputes Department XX/XX/XXXX XXXX XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have. My rights are protected by the congress under the FCRA ( Fair Credit Reporting Act ). The list of acconts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. YOU HAVE NOT RESPONDED TO MY DISPUTES!!!!! It has been XXXX days and there has been no respond via mail or email. I am planning on pursuing full legal action under 15 U.S Code sec 1681s-2 ( b ) also uner the grouds of '' DEFAMATION OF CHARACTER '' if acconts are not updated and deleted within XXXX business days.
This has ruined my life and caused me emotional and financial duress. I has also hired a consumer law protection lawyer to assist me in this matter. I will be suing under the grounds of 15 U.S Code sec 1681s-2 ( b ) reason being, Your lack of correct reporting under the FCRA.
-I am Unable To Secure A Mortgage, Auto, Or Personal Loan Due To False Credit Reporting .
-I Have Suffered Homelessness, Or Can not Secure Stable Housing Because Of False Information In Your Credit Report.
-I Have Experienced Increases Or Inflated Rates On Insurance Premiums And Other Lines Of Credit Because Of Erroneous Information In Your Report.
-I am Unable To Open New Lines Of Credit As A Result Of A False Report.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX I will also be filing a complaint with the XXXX ( XXXX XXXX XXXX ) and the CFPB ( Consumer Financial Protection Bureau ) as of Today. I have all the documented proof that you are in violiotions, including all certified mailing reciepts.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt vs. Gravens ( MO ) 281 SW 715, 719. I may presume that there is no proof of alleged debt, nor therefore and such debt. in fact exists.. Also under the Fair Credit Reporting Act, these disputed and fraudulent items may not appear on my credit report if they can not be supported by accurate evidence.
-15 U.S.C. 1681 section 602 A States. I have the right to privacy.
-15 U.S.C. 1681 section 604 A Section 2- States. It also states a consumer reporting agency can not furnish an account without written instructions.
If each account listed below is not updated and or deleted. I will pursue damages of XXXX XXXX per account per violation.
Keep in mind, I have opted out of all arbitration and terms that your bureau has set in place for consumers as it pertains to taking legal action.
XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX. Identity ThefXXXX XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Please verify late payments. I was never late. Please provide me in writing the statement date and who you spoke with to confirm theses late payments inwriting. I will not accept a template response. I demand late payments be removed XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were ( INACCURATE, OUTDATED OR OBSOLETE and FRAUDULENT ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my ( FOURTH ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Please see my reasons for dispute below : XXXX. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXX XXXX Identity Theft XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Please verify late payments. I was never late. Please provide me in writing the statement date and who you spoke with to confirm theses late payments inwriting. I will not accept a template response. I demand late payments be removed XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Assistant Director of Enforcment ( CFPB ) cc. State Regulatory Agency cc. Attorney GeneralOffice of my state cc. Federal Trade Commission cc. My local county Small Claims courts cc. CFPB ( Consumer Financial Protection Bureau
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| 12/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have seen repeatedly fraudulent accounts and transactions in my name on my consumer reports from XXXX and XXXX I have repeatedly warned them and the credit reporting agencies about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report state attorney general report a XXXX consumer complaint Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last two or three years Ive reached out to all three of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially with XXXX bank and XXXX removed. At this point Im at. This is a cease and desist letter and warning to XXXX, Transunion, and XXXX about the fraudulent that are on my consumer report these are the accounts, the dates and the times. XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Status Status Updated Credit Usage Balance Balance Undated Credit Limit Monthly Payment Past Due Amount Highest Balance Terms Responsibility Credit Card XX/XX/XXXX Open Past due 150 days XXXX XXXX 121 % {$4800.00} XX/XX/XXXX {$4000.00} XXXX {$760.00} {$4800.00} XXXX XXXX XXXX XXXX Original Creditor Company Sold Account Type Date Opened Open/Closed Charge Card XX/XX/XXXX Closed Status Charge-off Status Updated XX/XX/XXXX Credit Usage 158 % Balance Balance Updated Credit Limit {$1100.00} XX/XX/XXXX $ 700 Monthly Payment Past Due Amount {$1100.00} Highest Balance Terms Responsibility Revolving Individual ( Fraudulent Name ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, never gave ( XXXX, XXXX, or TransUnion ) any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute.
You also do not have any permissible purpose to furnish my personal information to any third party.
15 USC 61681b Permissible purpose of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following account : Account Name XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, TransUnion Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe.
My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner.
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/XXXXXXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.
I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
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| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My information was used without my consent which created accounts that im not aware of. Under 15 us 1681c-2 these items must be remoled.
Remaining Inquires the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account XXXX This is not mine. 3.The following account is not mine XXXX Account XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate XXXX Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX Account XXXX My parent has the same name as me. 25.Validate Account XXXX Account XXXX Please supply information on how you have verified this item. XXXX Account XXXX Account Number : XXXX XXXX following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account XXXX Please Update all payment, all pay was made on time.
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| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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What are you method of verification was you For the following account.
XXXX XXXX XXXX on credit report XXXX XXXX XXXX XXXX. Date of last payment are reporting different with each credit bureau Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Last payment made XX/XX/XXXX Please provide what creditor provided you for verification. Creditor wouldnt provide validation of debt to cfpb and are using stall tactics to prevent the inevitable.
Under section 609 you must delete all unverified inaccurate information from the credit report.
Provide evidence of such with attachment.
Sec. 1681i. Procedure in case of disputed accuracy ( a ) Dispute ; reinvestigation. If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. The presence of contradictory information in the consumer 's file does not in and of itself constitute reasonable grounds for believing the dispute is frivolous or irrelevant.
( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports. Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the port for any item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer re other purpose, which contained the deleted or disputed information. The consumer reporting agency shall clearly and conspicuously disclose to the consumer his rights to make such a request. Such disclosure shall be made at or prior to the time the information is deleted or the consumer 's statement regarding the disputed information is received.
Sec. 1681i. Procedure in case of disputed accuracy ( a ) Dispute ; reinvestigation. If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by the consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information unless it has reasonable grounds to believe that the dispute by the consumer is frivolous or irrelevant. If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. The presence of contradictory information in the consumer 's file does not in and of itself constitute reasonable grounds for believing the dispute is frivolous or irrelevant.
( b ) Statement of dispute. If the reinvestigation does not resolve the dispute, the consumer may file a brief statement setting forth the nature of the dispute. The consumer reporting agency may limit such statements to not more than one hundred words if it provides the consumer with assistance in writing a clear summary of the dispute.
( c ) Notification of consumer dispute in subsequent consumer reports. Whenever a statement of a dispute is filed, unless there is reasonable grounds to believe that it is frivolous or irrelevant, the consumer reporting agency shall, in any subsequent consumer report containing the information in question, clearly note that it is disputed by the consumer and provide either the consumer 's statement or a clear and accurate codification or summary thereof.
( d ) Notification of deletion of disputed information. Following any deletion of information which is found to be inaccurate or whose accuracy can no longer be verified or any notation as to disputed information, the consumer reporting agency shall, at the request of the consumer, furnish notification that the port for any item has been deleted or the statement, codification or summary pursuant to subsection ( b ) or ( c ) to any person specifically designated by the consumer who has within two years prior thereto received a consumer report for employment purposes, or within six months prior thereto received a consumer re other purpose, which contained the deleted or disputed information. The consumer reporting agency shall clearly and conspicuously disclose to the consumer his rights to make such a request. Such disclosure shall be made at or prior to the time the information is deleted or the consumer 's statement regarding the disputed information is received.
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumer 's file at the time of the request, except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.
( 2 ) The sources of the information ; except that the sources of information acquired solely for use in preparing an investigative consumer report and actually used for no other purpose need not be disclosed : Provided, That in the event an action is brought under this title, such sources shall be available to the plaintiff under appropriate discovery procedures in the court in which the action is brought.
( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report
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| 03/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Hi, last year, when Covid-19 hit last year, we had to close down the XXXX XXXX XXXX I managed because of me and all of our employees were considered " high-risk, '' and most of our clients are school-aged kids who were considered silent carriers. We didn't want to jeopardize anyone 's wellbeing/life. Because of the above, I had to go on unemployment end of XXXX. I called XXXX XXXX XXXX to ask for assistance. After being told about their Covid-19 relief plan, I accepted their terms, everything was fine up until the fact that there was a clerical error made my account. This complaint has three ( 3 ) in one. I hope this okay because they are all interrelated.
1 ) The Clerical Error made by XXXX on XX/XX/XXXX is documented by XXXX. I recorded my conversation and had one of the representatives read ALL of the notes in my account for this purpose. The late payment that was falsely reported to the credit score companies is derogatory and dropped my credit score. This error happened because they kept on file an old bank account that I closed in XXXX in my profile without my knowledge. Which leads to my second complaint ...
2 ) I deleted my old bank account information on my profile online through their website. It no longer was showing so I thought it was taken care of. Come to find out, XXXX never deleted my old bank account information despite the fact that I did so on my end. They kept it in my profile on their servers which to me is not okay and very deceptive. Because they did this with out my knowledge, when XXXX and I set up my automatic payments, he told me he assigned it to my bank account. Since there should have only been one on there, it would have been an non-issue since I did my due diligence and made sure my banking information was updated correctly. Since XXXX, you will also be able to see that XXXX knew about my XXXX account because all of my other auto payments were coming out of it.
3 ) After I made numerous of inquiries, and did everything that I was told to do by ALL of the representatives that I spoke to, out of the blue, XXXX went and changed the credit limits on two of my accounts with them. My XXXX XXXX went from {$12000.00} to {$5200.00} where I had already charged {$5000.00} charged on it, changing my utilization from XXXX XXXX XXXX XXXX XXXX in a blink of an eye, this of course dropped my credit score even further, in addition to my other card with them went from {$6700.00} to {$500.00}. Because of these two massive changes, a total of {$13000.00} was taken away from my credit limits in a blink of an eye. They knew I was disputing their clerical error that posted XX/XX/XXXX over and over, and I did tell them after been giving the run around so many times and spending hours on this dispute that I would take it legal and report them to the XXXX if they didn't fix it out of pure frustration. During a pandemic, XXXX is messing with people 's livelihoods and it just isn't right. We can't refinance our home and if we can't do this, I don't know if we will be able to stay in our home.
I have always been an excellent customer and never missed a payment until they did their clerical error. I have enclosed a time line of all of my calls and am providing a copy of a formal letter that was faxed to them by direction by one of their XXXX. Please help me get justice and fix this.
CONVERSATION LOG BETWEEN MYSELF AND XXXX - XXXX XXXX XXXX CHRONOLOGICAL OF EVENTS XXXX Spoke to XXXX - pay arrangement made that is when he started payment plan BUT assigned the wrong bank account. A account that I had already removed from my XXXX Bank profile online but somehow was still in my XXXX account on your side, but not mine.
XX/XX/XXXX Payment plan started XXXX Spoke to? Male who transferred me to XXXX. XXXX fixed it and assigned the correct bank account - show delinquent I called then gave me the info to dispute off my credit score - account set up / he assigned back to XXXX and removed old XXXX XXXX XXXX account XXXX Spoke to XXXX XXXX asked for proof of payment history to see if it was fixed. He never sent it so this is still an outstanding request.
XXXX XXXX PM Spoke to XXXX XXXX regarding the dispute I asked for a letter reflecting the notes in my account to dispute with bureaus = couldnt get letter, she said no one does that but that I had to initiate the dispute directly with the credit bureaus and that they would then contact you guys directly, and then you guys would respond and set the record straight and fix this false report/error.
XXXX XXXX responded to dispute received from XXXX and TransUnion dispute was responded as- NO ERROR found XXXX I called to speak to a supervisor XXXX said she could assist me. She ended up writing more notes to show XXXX Department ( who made error when they responded to the dispute by XXXX and TransUnion ) to read the notes from the XX/XX/XXXX conversation/entry. She did this to cover our basis and bring it up closer so the next time XXXX looks at it, they can pull it up and fix this second error.
She said XXXX will be able to see the XXXX XXXX XXXX notes but that they ( XXXX XXXX XXXX ) couldnt not see all of their notes. Again, during the course of my conversation with XXXX, she spoke to someone from the XXXX department. Whomever she spoke to I would like to file a complaint on. She told XXXX a lie and told her that I changed the bank account information after the fact on XX/XX/XXXX. She continued to tell XXXX that it was my fault and that there was no error on XXXX behalf. Again, not true and can be easily refuted. I can easily show that my XXXX account has been the source of my automatic payments going all the way back to XXXX. My automatic payments can be traced back to my XXXX account since XXXX. I can also show that my XXXX XXXX XXXX account was closed back in XXXX because I moved to Utah and there are no XXXX XXXX XXXX near me, that is why this changed was made.
After further discussion, XXXX transferred to XXXX XXXX XXXX - Spoke to XXXX in XXXX XXXX Customer Service XXXX is the ONLY Person who knew that there is a XXXX XXXX XXXX DISPUTE UNIT which I have been asking for information on since day 1. Every other person who helped me told me there wasnt such a department, which made no sense to me in case of situations like this arise. In any event, which leads us here/now. Please read the notes in my account especially for XX/XX/XXXX and XX/XX/XXXX. You will see that what I have said is accurate and the credit bureaus need to be apprised of XXXX XXXX error and false reporting. Please give me resolution and contact both XXXX and TransUnion bureaus about this error and fix my late payment standing.
XX/XX/XXXX - got multiple notifications from XXXX that they made changes to my account and lowered my credit limits.
XXXX - I didn't know what to do so I went and posted an inquiry and got insight from some other members of this private group I am in. One of them recommended I file a complaint here, so this is what I am doing now.
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| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of United States Code Law NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.
Dear Sir/Madam, I am writing to address the continued violation of the Fair Credit Reporting Act ( FCRA ) by your organization regarding the refusal to remove inaccurate, unverifiable, and invalidated information from my consumer file. This letter serves as my final written offer of settlement before pursuing litigation in accordance with the FCRA. I intend to seek relief and recover the monetary damages I am entitled to under Section 616 and Section 617, should the below-mentioned inaccurate, unverifiable, and invalidated items not be deleted immediately. I also want to inform you that a copy of this letter, along with previous communications regarding these erroneous items, will be submitted as part of a formal complaint to the Federal Trade Commission and used as evidence in any pending litigation, should you fail to comply with this settlement offer.
It has come to my attention that your agency is in direct violation of the FCRA, as the unverified items listed below still remain on my credit report. According to the FCRA, you are required to have a copy of the original creditors ' documentation on file to verify the accuracy of the reported information. Despite your investigations, you have failed to provide me with any original documentation, including a consumer contract with my signature, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Additionally, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ). I must bring to your attention that, under Section 611 ( 5 ) ( A ) of the FCRA, you are obligated to promptly delete all information that can not be verified.
It is evident that your agency lacks understanding of the FCRA, given the errors present on my credit report. To clarify the matter, please consider the following points : The Fair Credit Reporting Act ( FCRA ) is the primary federal law governing the collection and reporting of credit information about consumers. It encompasses rules regarding the acquisition, retention, and sharing of consumer credit information.
FCRA violations can occur when creditors provide reporting agencies with inaccurate financial information, when reporting agencies mix up information between individuals due to similar names or social security numbers, or when agencies fail to follow dispute handling guidelines.
My rights under the Fair Credit Reporting Act include the ability to verify the accuracy of my report when required for employment purposes, receive notification if my information has been used against me in credit applications or other transactions, dispute and have bureaus correct and delete incomplete, inaccurate, and unverifiable information, and have outdated negative information removed.
I demand the immediate deletion of the following items, as they are either inaccurate, unverifiable, or invalidated. I hold you responsible for these violations, which have had a detrimental impact on my credit and have caused distress, including denial of extended credit : XXXX XXXX Account Number : XXXX This account has never been paid late, and your reporting is completely inaccurate. I demand an update to this account and the immediate deletion of the inaccurate information.
XXXX XXXX XXXX Account Number : XXXX This account has never been paid late, and your reporting is completely inaccurate. I demand an update to this account and the immediate deletion of the inaccurate information.
The following personal information is incorrect : EMPLOYER : XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX Unauthorized inquiry without consent : XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inquiry from my credit report.
There have been no late payments made on this account, and the account is paid as agreed. Please remove the late payment from my credit report.
XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
Account involved in litigation : " an incorrect high balance, '' an inaccurate date of last activity, " REAGED ACCOUNTS, '' " Reinsertion WITHOUT PROPER NOTICE, '' an undated late payment, a charge off listed as open, and a collection account with a limit. Your improper practices have resulted in misleading information.
XXXX XXXX XXXX Account Number : XXXX Please remove this information from my credit report.
The following personal information is incorrect : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX Your noncompliance with the FCRA is a violation of 15 U.S. Code 1681n, which carries civil liability for willful noncompliance. Should you fail to comply with federal law, I am entitled to seek damages as per the statute. I want to emphasize my intention to pursue litigation to enforce my rights under the FCRA.
Furthermore, I request that all non-account holding inquiries be removed. As per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), you have 30 days to complete the investigation. I also require the description of the procedure used to determine the accuracy and completeness of the information, which should be provided within 5 days after your re-investigation is complete. I do not consent to e-Oscar or any form of automated verification.
Failure to respond satisfactorily within the specified timeframe may result in a small claims action against your company. I will seek {$5000.00} per violation for the following : Defamation Negligent Enablement of Identity Fraud Violations of the Fair Credit Reporting Act Financial Injury Please be aware that depending on your response, I may disclose potential issues with your company through an online public press release, including documentation of any potential small claims action. Copies of my complaint will also be forwarded to the organizations mentioned below : CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : XXXX XXXX, Assistant Director of Enforcement, Consumer Financial Protection Bureau, 1700 G. Street NW, Washington, D.C. 205 CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and Insurance Agencies CC : Federal Trade Commission CC : State Regulatory Agency CC : California Regulatory Agency Division of Consumer Complaints Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 08/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have disputed these items multiple times on my credit report for inaccurate information that the credit reporting agency is reporting on my credit report. They have refused to remove these items and correct my credit report. They have violated my rights and have not been compliant with the FCRA or the FDCPA. I have the following accounts reporting on my account as charged off which means this is canceled debt. The IRS defines charge off as ordinary income and filed a 1099-C. This should be removed immediately due to it's considered ordinary income so how can it be reported on my credit report as debt which makes it inaccurate? The creditors are supposed to send me a 1099-c to file as income on my taxes but nothing has been received if this is my debt. This is a violation of 15 U.S. Code 1681e ( b ). Please see the following accounts that are inaccurate and have violated my rights. These accounts also have other inaccuracies and are listed below and will need to be removed immediately. The time for updating is over and I demand that they are deleted immediately.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Open date different -High Credit Different -Last reported different -Last Date active different -Date of last payment different These accounts below have also been disputed and are violating my rights and the time for updating is over and I demand that they are deleted immediately. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately do so TODAY, even right NOW! I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with a PERMENANT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.
But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report.
Did you interview my neighbors?
Did you interview my friends?
Who did you talk to?
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active are not reporting the same information.
The obvious infractions are as follows : Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -Investigation stated that was verified through courts ( letter attached states they do not verify with any credit reporting agencies ) -Reference numbers reporting different -Court name different I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
I AM NOW ENACTING MY CONSUMER AND CIVIL RIGHTS TO COMPEL YOU TO ANNUL with a PERMENANT DELETION of these derogatory accounts or provide testimony and certification that you are adhering to mandated Metro 2 data formatted reporting standards according to regulations.
But can you please answer this one question. How did you investigate these accounts? Because according to the fair credit reporting act 15 U.S. Code 1681a this is how you are supposed to investigate my consumer report.
Did you interview my neighbors?
Did you interview my friends?
Who did you talk to?
One more thing, can you please tell me how everything is accurate since these accounts date open, date last active are not reporting the same information.
You have violated multiple laws below : 15 U.S. Code 1681a 15 U.S. Code 1681 15 U.S. Code 1681i 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681c2 15 U.S. Code 1681a ( 2 ) ( a ) ( i ).
15 U.S. Code 1681s ( a ) ( 1 ) ( a ) 15 U.S. Code 1681s-2 ( A ) ( B ) ( i ) ( ii ) 15 U.S. Code 1681s-2 ( A ) ( 7 ) ( a ) ( i ) Violation of the Fair Credit Reporting Act ( F.C.R.A ) Violation of the F.D.C.P.A.
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| 10/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have repeatedly reached out to Transunion about the multiple violations on my consumer report here via CFPB AND FTC AND XXXX ABOUT THESE AND OTHER INQUIRIES ON MY CONSUMER THESE ARE THE companies dates and timesXXXX Inquiry : XXXX XXXXXXXX XXXX + Department/Variety and Other Retail ( XXXX ) XXXX XXXX Inquiry : XXXX XXXX, 2022 + Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 + Bank ( XXXX ) XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX XXXXXXXX XXXX + Finance/Personal ( XXXX ) XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.
I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
15 U.S.C 1681 section 602 A. States I have the right to privacy, 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction.
15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. Be advised this is an identification theft notice 1 am requesting fraudulent accounts on my consumer report removed under Federal law, and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports at this time I will also inform you that if your offices have or continue to report invalidated information this includes ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. 15 U.S. Code $ 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company vou represent. I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account.
I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) you have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed ( Allied Collection ) ( VIOLATION UNDER FCRA {$1000.00} ).
15 US C 1681 section 602 A. States I have the right to privacy. ( VIOLATION UNDER FCRA {$1000.00} ) 15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. ( VIOLATION UNDER FCRA {$1000.00} ) 15 U.S.C 1692c ( VIOLATION UNDER FCRA {$1000.00} ).
Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation.
A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation. ALSO, FAILURES TO BLOCK ALL INFORMATION OBTAINED FROM IDENTY THEFT 15 USC 1681c-2 ( VIOLATION UNDER FCRA {$1000.00} }
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| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXexas XXXX Date of Birth : XX/XX/XXXX SS XXXX XXXX XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Attn : INTENT TO FILE LAWSUIT/ Disputes Department XX/XX/XXXX XXXX XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have. My rights are protected by the congress under the FCRA ( Fair Credit Reporting Act ). The list of acconts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. YOU HAVE NOT RESPONDED TO MY DISPUTES!!!!! It has been 45 days and there has been no respond via mail or email. I am planning on pursuing full legal action under 15 U.S Code sec 1681s-2 ( b ) also uner the grouds of '' DEFAMATION OF CHARACTER '' if acconts are not updated and deleted within 5 business days.
This has ruined my life and caused me emotional and financial duress. I has also hired a consumer law protection lawyer to assist me in this matter. I will be suing under the grounds of XXXX U.S Code sec 1681s-2 ( b ) reason being, Your lack of correct reporting under the FCRA.
-I am Unable To Secure A Mortgage, Auto, Or Personal Loan Due To False Credit Reporting .
-I Have Suffered Homelessness, Or Can not Secure Stable Housing Because Of False Information In Your Credit Report.
-I Have Experienced Increases Or Inflated Rates On Insurance Premiums And Other Lines Of Credit Because Of Erroneous Information In Your Report.
-I am Unable To Open New Lines Of Credit As A Result Of A False Report.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX I will also be filing a complaint with the XXXX ( XXXX XXXX XXXX ) and the CFPB ( Consumer Financial Protection Bureau ) as of Today. I have all the documented proof that you are in violiotions, including all certified mailing reciepts.
I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt vs. Gravens ( MO ) 281 SW 715, 719. I may presume that there is no proof of alleged debt, nor therefore and such debt. in fact exists.. Also under the Fair Credit Reporting Act, these disputed and fraudulent items may not appear on my credit report if they can not be supported by accurate evidence.
-15 U.S.C. 1681 section 602 A States. I have the right to privacy.
-15 U.S.C. 1681 section 604 A Section 2- States. It also states a consumer reporting agency can not furnish an account without written instructions.
If each account listed below is not updated and or deleted. I will pursue damages of XXXX $ per account per violation.
Keep in mind, I have opted out of all arbitration and terms that your bureau has set in place for consumers as it pertains to taking legal action.
XXXX. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Identity Theft XXXXXXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXXL Account Number : XXXX Please verify late payments. I was never late. Please provide me in writing the statement date and who you spoke with to confirm theses late payments inwriting. I will not accept a template response. I demand late payments be removed 9. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXX On ( XX/XX/XXXX ), I wrote to you requesting an investigation into items that I believed were ( INACCURATE, OUTDATED OR OBSOLETE and FRAUDULENT ). To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information. I have enclosed it again and request that you reply within a reasonable amount of time. Since this is my ( FOURTH ) ) request, I will also be sending a copy of this letter to the Federal Trade Commission notifying them that I have signed receipts for letters sent to you and you have not complied with my request. I regret that I am being forced to take such action.
Please see my reasons for dispute below : 1. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXX 2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Validate/inaccurate reported late payments.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX I am a victim of identity theft. Please remove account immediately.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX XXXX Account Number : XXXX Please verify late payments. I was never late. Please provide me in writing the statement date and who you spoke with to confirm theses late payments inwriting. I will not accept a template response. I demand late payments be removed XXXX. The following personal information is incorrect Account Number : Employers XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX Assistant Director of Enforcment ( CFPB ) cc. State Regulatory Agency cc. Attorney GeneralOffice of my state cc. Federal Trade Commission cc. My local county Small Claims courts cc. CFPB ( Consumer Financial Protection Bureau
|
| 11/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have constantly contested the inaccuracies in the following information with XXXX, XXXX and Transunion and unfortunately, the issue remains unresolved to this day.
XXXX. The following personal information is incorrect Current Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The status is incorrect for the following account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The status is incorrect for the following account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The status is incorrect for the following account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX XXXX. The following personal information is incorrect XXXX : XXXX XXXX. The status is incorrect for the following account XXXX XXXX Bankruptcy XXXX XXXX : XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please remove this inaccurate information from my credit report.
XXXX. The following account is not mine XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following account is not mine XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
|
| 08/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Creditor Information and Violations : Creditor Name : XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ), which requires accurate and verifiable information for maintaining the integrity of credit reports.
Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ).
Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ).
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting The account information reported by XXXX XXXX XXXX, with account number XXXX, inaccurately reflects late payments. This reporting is completely inaccurate and is adversely affecting my credit. This violation contravenes FCRA Section 607 ( a ) ( 3 ) ( B ), which requires accurate reporting of credit information.
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX XXXX XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ).
Creditor Name : XXXX XXXX Account Number : XXXX Violation : Unrecognized Account The account information associated with XXXX XXXX account number XXXX, is unrecognizable to me. I request an investigation to determine the validity of this account, and if it can not be verified, I ask for its removal from my credit report. This violation relates to FCRA Section 611 ( a ) ( 1 ) ( A ).
Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ).
Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ).
Creditor Name : XXXX Account Number : XXXX Violation : Inaccurate Reporting and Lack of Clear Identification The account information provided by XXXX, with account number XXXX, on my credit report lacks clear identification, raising doubts about the accuracy and validity of the reported information. This lack of clarity violates my rights under FCRA Section 607 ( b ).
Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing the credit inquiry made by XXXX on XX/XX/XXXX. I demand that this unauthorized inquiry be removed from my credit report in accordance with FCRA Section 604 ( a ) ( 3 ) ( E ).
Creditor Name : XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing the credit inquiry made by XXXX on XX/XX/XXXX. I demand that this unauthorized inquiry be removed from my credit report in accordance with FCRA Section 604 ( a ) ( 3 ) ( E ).
Creditor Name : XXXX Account Number : XXXX Violation : Unrecognized Account The account information associated with XXXX, account number XXXX, is unrecognizable to me. I request an investigation to determine the validity of this account, and if it can not be verified, I ask for its removal from my credit report. This violation relates to FCRA Section 611 ( a ) ( 1 ) ( A ).
Creditor Name : XXXX RE Account Number : XXXX Violation : Unrecognized Account The account information associated with XXXX XXXX, account number XXXX, is unrecognizable to me. I request an investigation to determine the validity of this account, and if it can not be verified, I ask for its removal from my credit report. This violation relates to FCRA Section 611 ( a ) ( 1 ) ( A ).
Creditor Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry I have no recollection of authorizing the credit inquiry made by XXXX / XXXX on XX/XX/XXXX. I demand that this unauthorized inquiry be removed from my credit report in accordance with FCRA Section 604 ( a ) ( 3 ) ( E ).
Violation : Incorrect Personal Information The following address is incorrect on my credit report : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX This address is not correct and should be deleted from my report in accordance with FCRA Section 607 ( d ).
Personal Impact : To illustrate the significant impact of these inaccuracies, I would like to share a personal story. Several months ago, I applied for a mortgage to purchase my first home. The inaccuracies in my credit report, particularly the unverified account information, resulted in a lower credit score than I deserved. As a result, my mortgage application was denied, and I lost the opportunity to secure the home that held so much promise for my family 's future. The emotional distress and financial setback caused by these inaccuracies have been overwhelming.
Resolution Request : I kindly request that the Consumer Financial Protection Bureau enforce my legal rights under the FCRA and take appropriate action to address the violations outlined above. Specifically, I ask that you ensure the removal of the unverified account entries and unauthorized inquiries mentioned above from my credit report. This action is necessary to restore the accuracy and integrity of my credit report and to prevent further negative impacts on my financial well-being.
I appreciate your prompt attention to this matter and your dedication to upholding consumer rights. I am hopeful that your intervention will lead to a resolution that corrects the inaccuracies on my credit report and prevents similar situations for other consumers.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
|
| 05/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Dear Sir/Madam of the Consumer Financial Protection Bureau, On XX/XX/XXXX and XX/XX/XXXX, I sent TransUnion correspondence requesting that they investigate several unknown accounts on my credit file, please see proof of the certified mail delivery. This request was in part related to the fact that I recently reviewed my credit report, and found several unauthorized accounts and have subsequently challenged the below alleged negative items and their right to publish such information without completeness of their summary record or providing verification proof of the below alleged items.
Furthermore, it is important to note that they have simply stated The company that reported the information has certified to TransUnion that the information is accurate. The aforementioned statement does not fully comply with the regulations set forth in section 609 of the FCRA or the procedures set forth in in the Reinvestigation of Dispute [ 15 U.S.C. 1681i ].
Reinvestigation of Dispute [ 15 U.S.C. 1681i ], Section 611 ( a ) ( 1 ) ( A ) - In general. Subject to subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Moreover, they have failed to comply with Section 609 of the FCRA, as it states : Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 3 ) ( A ) Identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report. TransUnion has not provided relative information on my file, TransUnion has NOT reported the recipients, and most important they HAVE NOT clearly and accurately disclosed to XXXX XXXX XXXX the identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report.
Due to their non-compliance to provide the above referenced items Im requesting they DELETE the following unknown accounts or I will be forced to follow through with my intent to file a civil lawsuit : XXXX XXXX XXXXT, Account XXXX {$16000.00} XXXX Account XXXX {$59000.00} XXXX, Account XXXX {$58000.00} XXXX, Account XXXX {$17000.00} XXXX Account XXXX {$49000.00} XXXX Account XXXX {$19000.00} Finally, I have tried repeatedly to contact TransUnion and each creditor directly and have not had any success. Therefore, I ask that the CFPB enforce TransUnions non-compliance with the FCRA. Moreover, simply responding to a consumer inquiry does not FULLY comply with the regulations stated in section 607, 609 or 610 of the FCRA. In fact, TransUnion has failed to provide the requested information on two separate occasions, which specifically asked their organization to clearly and accurately disclose to XXXX XXXX XXXX the identification of each person ( including each end-user identified under section 607 ( e ) ( 1 ) [ 1681e ] ) that procured a consumer report. Therefore, as a matter of law and fact these items should be deleted immediately.
Additionally, I contacted TransUnion via certified correspondence requesting that they remove unauthorized inquires on my credit file. Furthermore, I made a feeble attempt to contact the creditors before contacting TransUnion.
As stated in my XX/XX/XXXX letter to TransUnion, the creditor has not been able to provide ANY PROOF that I have initiated the inquiries, by written or verbal communication and has failed to provide permissible purpose. As such, none of these inquiries are based on a : 1. Response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
2. written instructions of the consumer to whom it relates.
3. credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer 4. Employment purpose 5. Underwriting of insurance involving the consumer 6. Or in general a requirement of ANY PART OF LAW contained in the FCRA or state statute.
It is quite apparent that TransUnion has not fully investigated either one of my claims as required utilizing Section 604 of the FCRA, Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ). TransUnion has simply stated that I must contact each creditor, which I have, but please be reminded that it is TransUnions duty to fully substantiate the information they are reporting on my credit file.
Once again, I am asking TransUnion to kindly DELETE these inquiries from my credit report IMMEDIATELY, as there is absolutely NO EVIDENCE of my authorization, nor permissible purpose.
Moreover, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
It is my request that the CFPB remind TransUnion that under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete.
This correspondence to the regulatory body that oversees this organization FURTHER represents the demand to uphold TransUnions legal responsibility to provide Valid Proof of Verifications and Completeness of records for the above inquiries you have on my consumer credit profile of the items listed above. Moreover, simply utilizing eOCAR shall not be sufficient, per fact and law.
MEMORANDUM OF POINTS & AUTHORITY : FAIR CREDIT REPORTING ACT 604, 609 & 611 FAIR AND ACCURATE CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU STATE OF MARYLAND CONSUMER CREDIT REPORTING AGENCIES ACT The following inquiries are at issue : 1. XXXX XXXX, XXXX XXXX 2. XXXX XXXX, XX/XX/XXXX 3. XXXX, XX/XX/XXXX 4. XXXX XXXX, XX/XX/XXXX 5. XXXX XXXX, XX/XX/XXXX 6. XXXX XXXX, XX/XX/XXXX 7. XXXX XXXX, XX/XX/XXXX 8. XXXX, XX/XX/XXXX 9. XXXX XX/XX/XXXX 10. XXXX XXXX, XX/XX/XXXX 11. XXXX, XX/XX/XXXX, XXXX 12. XXXX, XX/XX/XXXX XXXX. XXXX, XX/XX/XXXX Regards, XXXX XXXX XXXX
|
| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Personal information incorrect
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Web |
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Listen up! I've had it with your shoddy practices and blatant disregard for the law. Let 's get something straight right off the bat : you claim to have " verified '' the accuracy of these reported items, but who the XXXX verified them? Under the Fair Credit Reporting Act ( FCRA ), you're obligated to have the original creditor ( s ) documentation on file. Yet, you conveniently chose to ignore my previous dispute letters requesting validation, as mandated by 15 USC 1692g Section 809 ( b ). It's crystal clear that you're willfully breaking the law without any remorse.
Guess what? I'm not here to play games. I've already filed a complaint with the Consumer Financial Protection Bureau ( CFPB ), and mark my words, the Fair Debt Collection Practices Act ( FDCPA ) and the XXXX XXXX XXXX XXXX XXXX ) will be next in line. This circus act of yours ends now.
I demand to know where the original instrument of indebtedness is. Don't you dare think you can get away with submitting mere photocopies or duplicates. I want to see the real dealthe original loan document with my signature on it. You claimed in writing that these items are being " reported correctly. '' Well, I want answers. Who the XXXX verified these accounts, and how were these so-called verification 's carried out? It's high time you faced the consequences of your willful and negligent noncompliance.
Listen up, sunshine. I've recently got my hands on my credit file, and guess what? It's riddled with inaccuracies and unauthorized hard inquiries. I didn't sign up for any of this nonsense. So, here 's what's going to happen : I demand an immediate block and removal of all these accounts and inaccurate information from my credit file. This isn't your regular disputeit 's a full-blown complaint backed by the Federal Trade Commission , as well as a police report documenting my identity theft. Yeah, you heard it right. I was an unwilling participant in the XXXX data breach of 2017, and you're going to pay for it.
Here 's the deal : I want all the unverifiable information wiped clean within 30 days, as stipulated by the FCRA. And don't even think about reporting anything that's been deleted as a result of fraud15 USC Section 1692e clearly states that false and misleading representation is illegal. So, take a good hard look at those accounts, because they need to go.
To add insult to injury, I haven't received any response from the alleged creditors despite reaching out to them. That's why I demand that you send all the documents related to my case to the address on file. Oh, and make sure to provide me with an updated credit report through the mail, just like I asked. But don't stop thereI want you to send the same updated report to every lender, bank, and credit union that has ever requested my credit file for the past 33 years. And I want proof, stamped with the timestamp, that you've done it.
And listen up, XXXX! You better listen closely. From now on, I only want dispute results sent to me via mail only! You have absolutely no permissible purpose to report anything on my credit file without my explicit consent, as outlined in 15 USC code & 1681. Once you've completed all your little tasks, don't you dare share or sell my personal information to anyone, for any reason, without my written request and consent. Got it? Good.
I'm not playing around anymore. This is your last chance to do the right thing and follow the XXXX consumer laws. Otherwise, you can bet your bottom dollar that we'll be meeting in court, and trust me, it won't be a fun little picnic. I'm a litigious consumer, and I'll make sure you pay every XXXX, from court fees to lawyer expenses. So, buckle up and get ready for the ride, because it's about to get real.
Consider this a cease and desist warning. It's about time you had the original creditor ( s ) documentation on file to verify the accuracy and ownership of this information. My previous requests for validation have been blatantly ignored, and you're willfully trampling all over the law. You can expect complaints to rain down on you from every directionthe CFPB, the FDCPA, and the XXXX. So, here 's your last chance : show me the alleged original document you claim I signed. Not a copy, not a duplicate. I want the real deal.
And let me be perfectly clear : this is not an idle threat. I will pursue litigation if necessary. So, consider yourself warned. Your days of playing fast and loose with my credit file are over.
Let 's start with 15 USC 1692g Section 809 ( b ), a provision that gives consumers the right to request validation of the accounts in question. As a diligent and informed consumer, I exercised this right by submitting my dispute letters to your esteemed institution. However, it has become apparent that my requests for validation were met with silence, as if they were mere whispers in the wind. This blatant disregard for the provisions outlined in 15 USC 1692g Section 809 ( b ) showcases a willful non-compliance with the FCRA.
Now, let 's delve into the crux of the matter : the need for the original creditor ( s ) documentation. According to the FCRA, it is incumbent upon you, the party responsible for reporting and verifying these accounts, to maintain a copy of the original documentation. This requirement, outlined in the FCRA, ensures the accuracy and legitimacy of the reported information. Failing to adhere to this obligation is akin to breaking the very foundation upon which the credit reporting system is built.
The gravity of this situation can not be overstated. I have taken the initiative to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), a course of action that should underscore the seriousness of the matter at hand. However, rest assured that the CFPB won't be the only institution receiving my grievances. The Fair Debt Collection Practices Act ( FDCPA ) and the XXXX XXXX XXXX XXXX XXXX ) will also bear witness to the unscrupulous practices and non-compliance that have become your modus operandi.
Now, let 's address the elephant in the roomthe alleged original instrument of indebtedness. It is not unreasonable to expect that a bona fide and legally-binding loan document, complete with my signature, be made available for scrutiny. To be clear, I won't settle for clone copies or duplicates. I demand to see the real McCoythe genuine article that unequivocally demonstrates my consent and involvement. This is a fundamental request, one that hinges on the principles outlined in 15 USC 1692g Section 809 ( b ). Anything less than the original document is an affront to the very idea of accountability and transparency.
But let 's not stop there. I want answers, and I want them now. Who verified these accounts? How did this verification process unfold? It is crucial that you shed light on these aspects, as they are instrumental in ensuring compliance with the FCRA and upholding the integrity of the credit reporting system.
|
| 01/07/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
After carefully reviewing my consumer report, I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report does not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. The companies below are reporting payments on multiple accounts ( accounts listed below ) and/ or utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave the companies below written instructions to report anything to my consumer report, let alone these payments/utilizations. I sent a letter letting them know that I opted out of their reporting. Also, according to 15 USC 1681 602 congressional findings and statement of purpose states, there is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continuous function of the banking system. The reporting of these payments to my consumer report are not accurate and my privacy has been violated due to the companies listed below. XXXX XXXX Reporting Services is a witness to multiple violations of 15 USC 1681. They have a report of every transaction from every bank since opening a bank account. I opted out of all consent to disclose my personal information to all of the users who supplied it to their affiliates. I will attach a copy of one of the letters sent to all of my credit users. The terms and conditions of the banks that I have banked with show on their XXXX form at the SEC that they are in compliance to 15 USC 6805 and my ability to opt out of them sharing my information. I have reached out and exclaimed this over the years with little to no results. For the collection agencies that claim that I owe them a debt that has been sold to them is also invalid because its considered a charge off which is defined as income according to the IRS. The original contract with the agency that sold the debt charged off the debt with the IRS and now that debt is considered income. The Privacy Act of 1974 says : 1. 5 U.S.C. 552a ( b ) ( 1 ) - Need to Know within Agency No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains unless the disclosure would be The Inquiries listed on my credit profile are also a violation to the privacy act of 1974 and 15 USC1681 ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681 of this title ; All of the inquiries and any reports stating payments were late should be removed. All payments were made on time using securities. A Forensic Financial audit would clearly show none of the payments were late, therefore ; All of my accounts should show positive payment history. By my opting out of all credit reporting per 16 USC 6802 my transaction history should not have been reported and demand that the law is obeyed and show my credit utilization to be 0 %. I'm reporting this to CPFB because of 15 USC 6805 says : Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the XXXX XXXX XXXX, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law. Accounts on my credit report that need adjusting and compensation administered are as follows : XXXX from XXXX XXXX opened XX/XX/XXXXXXXX which shows a balance of {$87000.00} and 10 months of payment history, XXXX from XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX shows a balance of {$1600.00} and 12 months of payment history, XXXX from XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX which shows a balance of {$3900.00} and 18 months of payment history, XXXX from XXXX XXXX opened XX/XX/XXXX which shows a balance of {$1500.00} and 13 months of payment history, XXXX from XXXXXXXX XXXX opened XX/XX/XXXX which shows a balance of {$110000.00} and 10 months of payment history, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ) opened XX/XX/XXXX which shows a balance of {$100000.00} and 51 months of payment history. XXXX from XXXX XXXX opened XX/XX/XXXX which shows a balance of {$3100.00} and 7 months of payment history is listed as a chargeoff which is considered income and can't be listed as a debt. XXXX from XXXX XXXX & opened XXXX XXXX, XXXX shows a {$0.00} balance and 0 months of payment history should be removed as details of this account are listed as unknown and status shows pays as agreed. XXXX from XXXX opened XX/XX/XXXX shows a {$0.00} balance and 10 months of payment history and is shown as a chargeoff which is considered income and can't be listed as a debt. XXXX XXXX XXXX XXXX opened XX/XX/XXXX shows as a chargeoff which is considered income and cant be listed as debt. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$480.00} and is shown as a chargeoff which is considered income and can't be listed as a debt. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$0.00} and 31 months of payment history. XXXX from XXXX opened XX/XX/XXXX shows as a chargeoff which is considered income and cant be listed as debt. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$0.00} and 48 months of payment history. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$0.00} and 24 months of payment history. XXXX from XXXX XXXX opened XX/XX/XXXX shows a balance of {$0.00} and 24 months of payment history. XXXX from XXXX XXXX XXXX opened XX/XX/XXXX which shows a balance of {$16000.00} is listed as a collection account showing twice on my credit report, this debt is invalid because it was sold to XXXX XXXX and is considered a charge off which is defined as income according to the IRS.
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| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This CFPB complaint is formal notice that you have failed to respond in a timely manner to my dispute letter.
You inform me to contact the creditors and I have done so. According to FDCPA 809b you are required to delete these accounts until they validate. I have requested validation and they have not produced it. Please delete them now.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - This account has a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and fix it. If not, remove right away.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - Since they have previously been paid for, this account shouldn't be showing the present status of 120 days late. It would appear impossible for late fees to be accumulated on a paid-in-full account. If you can't verify it, kindly remove it.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look at how this account reports and make any necessary corrections so that the status is instantly shown correctly. If it's impossible to verify, remove right away.
DEPTEDNELNET XXXX Balance Owed : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate and adjust the situation as necessary to represent it correctly. Delete right away if you can't verify.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - This account currently publishes information without permission. Despite the fact that an account with a status of 120 days past due is already a charge off account under the Federal Reserve and Federal Insurance Act, you kept this account on your records for eight consecutive months. Please delete this account right away since it contains inaccurate information. Regards.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - This account currently publishes information without permission. According to the Federal Reserve and Federal Insurance Act, an account that is 120 days past due is already a charge off account ; yet, you kept keeping this account 's status as 120 days past due. I previously asked for a copy of the payment history for this account. Where is it? Please delete this account as soon as possible.
DEPTEDXXXX XXXX Balance Owed : {$0.00} This account has already been charged off in accordance with the Federal Reserve and the Federal Deposit Insurance Act after appearing to be 120 days past due. This account needs to be updated for it to seem correct. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. I need you to delete this account since it has reported false information.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - How many times do I have to state that the references used to support the late payment on this account are false and deceptive, thus impacting my credit report? I previously asked that this account be looked at and corrected, but you did nothing. Let me remind you that the FCRA legislation requires you to look into and update this account in response to customer inquiries. I don't think this " investigation '' you conducted was enough, therefore IMMEDIATELY DELETE THIS ACCOUNT!
DEPTEDXXXX XXXX Balance Owed : {$0.00} The fact that you have done nothing to change this account 's inaccurate reporting of information on my credit file is as obvious as day. Isn't an account already regarded as charged off after it is 120 days past due? I've asked you before to repair this account, but you did nothing. Delete this account right away!
DEPTEDXXXX XXXX Balance Owed : {$0.00} This account contains several inaccuracies that seriously harmed my credit report. I previously asked you to update and amend this account due to inaccurate reporting, but as I can see, you haven't taken any action. You have disregarded my demands in violation of the FCRA rules! If you are unable to perform your duties correctly, remove or delete this account!
DEPTEDXXXX XXXX Balance Owed : {$0.00} Earlier, I asked for your assistance in correcting this account since it had been providing false information. Yet it is evident now that you never completed your job after seeing my updated credit report! I'm so angry with your behavior that I'm asking for your assistance once more to totally delete this account from my credit report.
DEPTEDXXXX XXXX Balance Owed : {$0.00} You kept reporting without sufficient verification since you were unable to confirm this account, which is against the FCRA law. Please delete this account immediately.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. If you can't verify this account, look into it and delete it from my credit file. Regards.
DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} - This account has a lot of errors. When the account hasn't been updated in years, it is misleadingly presenting a current status of 120 days late! According to the Federal Deposit Insurance Act of 1950, the statute of limitations has already run its course. Show me your payment history documentation. Investigate the false information and fix it. If not, remove right away.
DEPTEDXXXX XXXX Balance Owed : {$0.00} - This only serves to highlight your poor record-keeping skills. Even though it is closed and the amount is {$0.00}, this item is now said to be 120 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, delete it right away.
XXXX XXXX XXXXBalance Owed : {$0.00} - The FDIC 's Account Management Policy and Uniform Credit Retail Credit Classification are both broken by this account, according to the report. Please present evidence of the most recent payment. Otherwise, immediately delete the account.
XXXX XXXX Balance Owed : {$200.00} - By updating the information supplied, evaluate this reporting. Why is there a {$200.00} balance when a charge off account should have a balance of {$0.00} to indicate that it is a charge off account? Please put a quick end to this false reporting.
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| 08/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/1992 [ Your Name ] [ Your Address ] [ City, State , ZIP Code ] [ Date ] Consumer Financial Protection Bureau [ Address ] [ City, State , ZIP Code ] Subject : Dispute and Request for Enforcement of Legal Rights Dear Consumer Financial Protection Bureau , I am writing to formally dispute several entries on my credit report that have been adversely affecting my financial well-being and overall quality of life. I am seeking your assistance in addressing these violations of the Fair Credit Reporting Act ( FCRA ) and ensuring that my rights as a consumer are upheld.
**Violations and Account Details : ** 1. XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 2. XXXX XXXX XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation : Failure to
Provide Accurate and Verifiable Information under FCRA. Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 3. XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 4. XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 5. XXXX XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 6. XXXX XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 7. XXXX XXXX XXXX Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 8. XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 9. XXXX XXXXXXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) 10. XXXX XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Violation : Failure to Provide Accurate and Verifiable Information under FCRA.
Violated FCRA Sections : - Section 607 ( a ) ( 1 ) - Section 611 ( a ) ( 1 ) ( A ) - Section 623 ( a ) ( 8 ) XXXX XXXX : ** These erroneous and unverified entries have had a profound impact on my life, causing immense stress, XXXX, and disruption. In addition to being financially damaging, these entries have taken an emotional toll on me. For instance, I recently applied for a mortgage to purchase a home for my family. Despite my diligent efforts to maintain a strong credit history, these unverified accounts have unfairly lowered my credit score, resulting in unfavorable loan terms and, in some instances, outright denials.
The stress and heartache that stem from these inaccurate entries can not be overstated. I have worked tirelessly to secure a stable future for my family, and it is disheartening to see my efforts impeded by information that has not been properly verified.
**Request for Relief : ** In light of the violations outlined above, I implore the Consumer Financial Protection Bureau to enforce the legal provisions of the Fair Credit Reporting Act. Specifically, I request that you intervene and ensure that the creditors in question promptly and thoroughly investigate the validity of these accounts. I further request that, if these accounts can not be accurately verified, they be removed from my credit report in accordance with FCRA Section 623 ( a ) ( 8 ).
My goal is not only to rectify my personal situation but also to highlight the importance of safeguarding the rights of all consumers. Unverified and inaccurate credit reporting can devastate lives and hinder opportunities for individuals and families seeking financial stability and growth.
I kindly ask for your urgent attention to this matter and for your assistance in rectifying the violations that have occurred. Your intervention will not only provide me with the relief I desperately need but also set a precedent for responsible credit reporting practices that protect the rights and well-being of consumers.
Thank you for your time and consideration. I look forward to a resolution that brings about positive change and ensures the fair and accurate representation of my credit history.
Sincerely, XXXX XXXX XXXX
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| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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YOUR COMPLAINT XX/XX/XXXX I have requested for several years for Transunion to correct long standing errors on my personal credit profile relating to my XXXX XXXX XXXX credit card. Transunion has refused to do anything at all. I have made requests for them to investigate and make changes in the past. They have done nothing to fix the errors. As a result of, my credit has been negatively effected by their lack of action. I have had a XXXX XXXX XXXX credit card since XX/XX/XXXX that has ALWAYS been in good standing. Both XXXX and XXXX are reporting it, every month. Transunion refuses to acknowledge the account.
I have written, I have called so many times its ridiculous. I have escalated the issue to supervisor named XXXX XXXX. She said she worked in the " Special Handling department ''. XXXX told me she could do nothing if I didn't have my bk paper work from XX/XX/XXXX showing the account was not part of my BK. The only other thing she said was that it may be possible for them to make changes if I called and had XXXX XXXX XXXX use and XXXX verification process. So I called again. XXXX XXXX XXXX has no idea what XXXX is. So put this is perspective. I have spent 100 's and 100 's of hours. Years and years trying to help Transunion make the proper correction to my personal account information. Again today I called again and provided the entire 16 digit account number associated with the account and provided the current billing information. Again I was told they could do nothing. I have called, written both Transunion and XXXX XXXX XXXX multiple times. At least XXXX XXXX XXXX tries to do something. Unfortunately nothing has worked XXXX XXXX XXXX Made yet another request for transunion to update and report the account. They tried a couple of weeks ago. I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX stating that Transunion would not update they account because they say the account has been off my credit report for 7 years. So again I call Transunion and again they tell me there is nothing they can do to help even though its reported on by the other Professional credit agencies. I called XXXX XXXX XXXX again today and they have again requested Transunion update the information to be accurate and correct. Transunion so called managers and special handling department people have been far les than helpful, there treatment to me is almost criminal. Its definitely cost me money. To look at the hours and money it has cost me is simply terrible. Should I consult an attorney at this point? I ams o tired of spending my hours trying to help Transunion fix their own problem and errors.
Here is the formal response from XXXX XXXX XXXX!
XXXX XXXX XXXX Response claims Transunion is refusing to add the account and they have requested they do so multiple times as the account is current active and alwasy been in good standing only Transunion is not reporting the account! Clearly they could make this right very easily. Unfortunately it seems Transunion just lets consumers suffer!
Recorded XXXX XXXX XXXX responded on XX/XX/XXXX Response Type Company 's Response According to our records there are two credit card accounts ending in XXXX and XXXX, both are reporting to XXXX and XXXX. We confirmed that the accounts are not reporting to Transunion. The account ending in XXXX is currently opened with a current balance of {$37.00}. This account is reporting as pays as agreed. During our investigation we also located a card ending in XXXX, which is reporting as closed at consumer 's request and pays as agreed. This credit card account is purged out of the bank 's system as it has been longer than our account retention period. We confirmed that we previously sent a request to Transunion to add this credit card account on XX/XX/XXXX, however, Transunion would not add the account to your personal consumer profile due to the length of time the account had been open and closed. We advised you to contact Transunion directly for assistance. We reviewed your concerns with Transunion again on XX/XX/XXXX, at which time we determined that the account ending in XXXX was reporting up to date with no prior delinquency and the account ending in XXXX was not reporting. We mailed a letter to you on XX/XX/XXXX. Please note that creditors may report to the credit reporting agencies on accounts longer than the initial seven year timeframe if the account was an account in good standing. This may report for up to ten years but this is not a requirement. As such, we are unable to manage how the credit reporting agencies utilize the information the bank reports. The federal Fair Credit Reporting Act ( FCRA ) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. We must remain in accordance with the Fair Credit Reporting Act ( FCRA ). As such, the accounts are reporting accurately. The purpose of this act is to safeguard the confidentiality of consumer credit information. The FCRA requires that the national credit reporting agencies adopt procedures for meeting the needs of commerce in a manner which is fair and equitable to consumers. The FCRA forces the agencies to keep strict controls in provisions of the act. Banks are prohibited from furnishing consumer information to a credit reporting agency if the bank knows that it is inaccurate or consciously avoids correcting the inaccurate information. As a user of credit reports, XXXX XXXX XXXX is required to comply with the provisions of the FCRA. Federal law requires XXXX XXXX XXXX to report a fair and accurate payment history. Therefore, I am unable to comply with your request to change the history associated with your credit card account as reported to your credit file. I would like to thank you for taking the time to express your concerns. At XXXX XXXX XXXX, we make every effort to exceed our customers expectations on a daily basis. I regret that you have been dissatisfied. Please know that your feedback is valuable and has been retained to ensure we are providing the level of service our customers expect and deserve.
Transunion needs to get the proper information updated and reported. I mean what rights do we have, its seems like XXXX. I have wasted so much time getting angry and frustrated with these two companies, I can not even come close to explaining how upset I am. I am sooooooooo sick of the lack of communication and lack of responsibility is absurd especially as a consumer that has used their services for many years. If I didn't respond and pay my bill what would happen??? Yeah collections for detrimental reporting. Thank in advance for addressing the situation. If I do not get a response that at the very least shows that Transunion is looking into it, I will file with XXXX, FTC, State Attorney General and Department of Justice. I will also let an attorney work on this from this point forward and they can end being responsible for covering his/her hourly wage. Thx!
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| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Bankruptcy Case Number : XXXX Delete this account.
15 U.S. Code 1681c - Requirements relating to information contained in consumer reports XXXX XXXX Account Number : XXXX Delete this account.
1. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS FIRST HELP F Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
44. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
45. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX XXXX CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX De XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX/XXXX Date XXXX inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX CREDIT XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXXXXXX XXXX XXXX XXXX
Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
XXXX. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX XXXX XXXX.
Account XXXX : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Arkansas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX, and Transunion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.SXXXX Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and Transunion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services.
Here is a list of all inaccuracies that I found on my credit report : XXXX XXXX, XXXX XXXX for $ XXXX they sold the debt to a third party collection agency ( XXXX XXXX XXXX ) without giving ANY written or verbal consent to do this!. which is breaking 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' i also have 8 closed accounts that need to be removed from my credit report entirely. they include, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, another XXXX, and two XXXX XXXX XXXX accounts. most of these are over XXXX years old and should be completely removed from my report. they also did not have my written approval as well.
trans union has my name listed as XXXX XXXX XXXX, i have never gone by that name and have no idea how they even have that on there. they must only report things that i authorize them to do..
There are also 5 inquiries that need to be removed as well, which include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of these companies had written or verbal permission to add any of the inquiries to my report.15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' it clearly states they need my permission before adding this information and are illegally reporting information on my credit report.
i also have 12 student loans on my report that need to be removed immediately. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' i never gave them any permission to do this!!
i also have a XXXX XXXX on my report with {$0.00} .... this is pointless and needs to be removed for the same reason everything else is illegal on these reports.
there is an XXXX XXXX account added XX/XX/XXXX, XXXX i NEVER gave them any permission to post this on my report..
The XXXX XXXX account that was added XX/XX/XXXX, XXXX i never gave them permission to do this!
i would also like any late payments to be removed as that information should not be added with out my consent ... These agencies are BREAKING the law and getting away with it!
there are also two addresses on my report that are non mailable addresses and need to be removed,, XXXX XXXX XXXX XXXX nj XXXX XXXX XXXX XXXX XXXX XXXX NJ.
XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX These are NON MAILABLE addresses and need to be removed immediately.
They have also reported the wrong info for my employment info so i would like that removed too XXXX has included a XXXX XXXX account for {$570.00} from XX/XX/XXXX XXXX i never gave them my written consent to publish this info.
I am opting out of XXXX XXXX XXXX, XXXX, XXXX and XXXX XXXX XXXX. that they provide and i do NOT give them consent to publish any other report on my credit.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. financial institutions can NOT disclose to a nonaffliated third party any nonpublic personal info, unless they PROVIDE a notice to the consumer not only are they breaking FCRA they are also breaking the PRivacy act of 1974 ....
15 U.S. Code 1681n - Civil liability for willful noncompliance... they are knowingly breaking the law and are subject to a {$1000.00} fine PER violation!!
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| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXXXXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions. In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX DEPTEDXXXX has violated my consumer rights by reporting fraudulent information across my TransUnion consumer credit bureau. I would like this fraudulent account deleted and removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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You have taken longer that 45 days to respond to my dispute and I as a federally protected consumer have a right to privacy and as of right now I am exercising that right. Pursuant to 16 CFR 313.7 I am opting out of the reporting of the following personal nonpublic financial information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is an additional account, however, this account has constantly been changing the account number on a monthly basis which is a violation of the fair credit reporting act and I demand that this account in particular is permanently removed as I never want to see or hear of it again. The account goes as follows : XXXX XXXXXXXX. I am not seeking verification of these accounts as I know it is mine, I am seeking to opt out of these accounts.
16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods.
313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ).
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you XXXX do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX.
( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction.
( iii ) XXXX XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9.
( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part.
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| 05/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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On XX/XX/XXXX, I received a letter from XXXX XXXX claiming I owed a debt in the amount of {$3000.00}. On XX/XX/XXXX I sent a certified letter acknowledging the letter but disputing the validity. Using the USPS tracking system for certified letters, the letter I sent has been repeatedly delayed due to bad address. I submitted a complaint to CFPB on XXXX informing them of these practices. XXXX did not respond to the complaint.
On XX/XX/XXXX, I received a notification that this account, which does not belong to me was now on my credit report. I sent the complaint filed previously along with a dispute letter and the credit agencies did not due their due diligence and validated this debt. This is unsatisfactory! The system is designed for the consumer to fail. I am responsible with my debts and will continue to pay my debts. However, when something is not mine and I try to dispute it but the company provides a fraudulent address, what else is there for me to do. Furthermore, the company then adds it to my credit report!! This is not how the Fair Debt Collection Practices is suppose to work. For those who may be reading this, I have provided a refresher on section 809. in that we are entitled to question validity prior to a being held liable. I tried to dispute but the company provided a poor address which is an illegal tactic these types of companies practice and go unpunished.
809. Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.
Provided below is the original complaint : On XX/XX/XXXX, I received a letter from XXXX XXXX claiming I owed a debt in the amount of {$3000.00}. On XX/XX/XXXX I sent a certified letter acknowledging the letter but disputing the validity. Using the USPS tracking system for certified letters, the letter I sent has been repeatedly delayed due to bad address. An attempt to deliver the letter was conducted on three occasions. When I contacted XXXX XXXX over the phone the mailing address is in XXXX, XXXX. Furthermore, no followup letter, phone call, or additional notification was sent stating that this change in address had occurred. My complaint is that this business is expecting me to dispute the validity of debt within a thirty day window but knew any returning mail would and could not be collected by there office. Furthermore, there was no forwarding information to the address provided when you contact XXXX XXXX by phone. This company is using practices not conducive to good business and furthermore does not practice due diligence when trying to receive debt disputes, which leaves people vulnerable to having inaccurate and false information placed on their credit report. As a victim of identity theft, I take the validity process seriously and XXXX is allowed to continue their misleading practices others will be affected as well.
Please see below for certified mail details Tracking Number : XXXX XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX The package is delayed and will not be delivered by the expected delivery date. An updated delivery date will be provided when available. The item is currently in transit to the destination as of XX/XX/XXXX at XXXX XXXX. It is on its way to XXXX, XXXX XXXX.
XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX XX/XX/2017, XXXX XXXX Departed USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX Arrived at USPS Regional Destination Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/XXXX, XXXX XXXX In Transit to Destination On its way to XXXX, XXXX XXXX XX/XX/2017, XXXX am Departed USPS Regional Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/2017, XXXX XXXX Arrived at USPS Regional Origin Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/2017, XXXX XXXX Accepted at USPS Regional Origin Facility XXXX XXXX DISTRIBUTION CENTER XX/XX/2017 Pre-Shipment Info Sent to USPS, USPS Awaiting Item STATUS Submitted to the CFPB on XX/XX/2017 PRODUCT Debt collection ISSUE Attempts to collect debt not owed We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT
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| 11/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Kindly be sure with the accuracy and precision with these customer record items. Related information similar to this, this is amazingly harmful to my current credit record! Kindly provide that the particular information is 100 % verifiable and appropriate.
XXXX XXXX XXXX : $ XXXX Always on time on this account. Records show 120 late without a 30 or 60 day prior mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please eliminate all red marks.
XXXX XXXX XXXX : {$4800.00} - Don't ever pay late. The data show that payments were 90 and 120 days late without a 30-day lead time. This is a serious mistake. Examine each record in detail. Make sure all information is accurate, including address, spelling, DOB, SSN, and other details. Delete any mistakes.
XXXX XXXX XXXX : {$9500.00} - Always on time on this account. Records show 120 late without a 30 or 60 day before mark. This is a serious mistake. Examine all documents to ensure that all information, such as the spelling of names and addresses, is accurate. Please eliminate all red markings.
XXXX XXXX XXXX : {$0.00} - The following account should be on my credit report, so please provide proof that this is the case and that my rights have not been suspended. If not, kindly remove this damaging data right away.
XXXX XXXX XXXX : {$0.00} - This account currently publishes information without permission. You continued to record an account as 120 days past due even though it is already a charge off account under the Federal Reserve and Federal Insurance Act. I demand a complete investigation and that an update be made legally and accurately. If unable to verify, remove otherwise.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Investigate, then remove right away.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look into how this account reports and update any outdated information right away to reflect the current status. Regards.
XXXX XXXX XXXX : {$0.00} - This only serves to highlight your poor record-keeping skills. Although it is closed and the balance is {$0.00}, this item is currently 120 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have read " PAID. '' Unless you can show proof that you haven't violated my rights by reporting inaccurate information, remove it right away.
XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was action on the account last. Remove off my Credit Report if not.
XXXX XXXX Balance : {$0.00} - I'm not running behind on this. According to my records, this account was paid as agreed and the amount past due is XXXX. Please take out right away.
XXXX XXXX XXXX : {$0.00} - Since they have already been paid for, this account shouldn't be showing the current status of 120 days late. It would seem impossible for late fees to be accumulated on a paid-in-full account. Take this negative information out of my credit report.
XXXX XXXX XXXX : {$0.00} - The following account should be on my credit report, so please give proof that this is the case and that my rights have not been suspended. If not, kindly remove this destructive info right away.
XXXX XXXX XXXX : {$0.00} - This account currently publishes information without permission. You continued to record an account as 120 days past due even though it is already a charge off account under the Federal Reserve and Federal Insurance Act. I want a full inquiry and the total deletion of this account from my credit report. Regards.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Remove this account from my credit report right away.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Insurance Act, an account that is 120 days past due is already a charge off account. But as I can see, this account is consistently recorded as 120 days past due. I think the information in this account is inaccurate. Please look into how this account is reported ; if not, remove it from my credit report. Regards.
XXXX XXXX XXXX : {$0.00} - This account should not be showing the current status of 120 days late since they have already been paid for. The current status of this account should not be showing derogatory information that is unnecessary and damaging to my credit report, which is a violation of the Fair Credit Billing Act, 15 USC 1601, which serves to protect consumers from " unfair credit billing and credit card practices. '' It would appear impossible for late fees to be accumulated on a paid-in-full account. Please look into these absurd statuses and let me know when there was activity on the account last. If not, delete right away.
XXXX XXXX XXXX : {$0.00} - This only serves to highlight your poor record-keeping skills. Although it is closed and the amount is {$0.00}, this item is now 120 days past due. Let 's fix this right away. You must confirm this for yourself, however I will go ahead and point out that this account has been paid, closed, and is no longer operational. Its status should have shown " PAID. '' Unless you can show proof that you haven't violated my rights by reporting false information, remove it right away.
XXXX XXXX Balance : {$0.00} - According to the Federal Reserve and the Federal Deposit Insurance Act, an account is regarded as charged off when it shows up to be 120 days past due. I've read enough to be familiar with my rights. You are trying to go against this unambiguous understanding. Remove this negative information from my credit report. I'm grateful.
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| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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the information and the furnisher could not provide sufficient proof to prove their reporting. XXXXsection 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXXValidate Account XXXX Account Number:XXXX This is not mine. XXXXThe following account is not mine XXXX Account NumberXXXX XXXXValidate Account XXXX Account Number : Please Update all payment, all pay was made on time. XXXX.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately XXXXValidate Account XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. XXXXValidate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account XXXX : Please remove inaccurate reported late payments update to paid as agreed XXXX.Validate Account XXXX XXXXXXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXXValidate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX XXXX my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXXValidate Account XXXX XXXX Account Number : Please ensure that all information is accurate XXXX.Validate Account XXXX Account Number : Please remove it from my credit report. XXXXValidate Account XXXX Account Number : Please supply information on how you have verified this item. XXXX.Validate Account XXXX XXXXXXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXXValidate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed XXXXValidate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- XXXX am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXXValidate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 ComplianXXXX Reporting Format Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! XXXX.Validate Account XXXX Account Number : Please removed from my public record XXXXValidate Account XXXX XXXXXXXX Account NumberXXXX My parent has the same name as me. XXXXValidate Account XXXX Account Number:XXXX Please supply information on how you have verified this item. XXXX.Validate Account XXXX Account Number : XXXX XXXXThe following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time. XXXXThe following account is not mine XXXX Account NumberXXXX Please Update all payment, all pay was made on time.
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| 07/03/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 123 Months Monthly Payment -- Responsibility Individual Account.
Balance {$2400.00} Highest Balance {$2200.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XX/XX/XXXXOK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown DEPT OF ED/XXXX {$4300.00} Account Details Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 123 Months Monthly Payment -- Responsibility Individual Account.
Balance {$4300.00} Highest Balance {$3000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown DEPT OF ED/XXXX {$2200.00} Account Details Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 123 Months Monthly Payment -- Responsibility Individual Account.
Balance {$2200.00} Highest Balance {$1800.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown DEPT OF ED/XXXX {$9000.00} Account Details Last Reported XX/XX/XXXX Creditor Name DEPT OF ED/XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 120 Months Monthly Payment -- Responsibility Individual Account.
Balance {$9000.00} Highest Balance {$6000.00} Payment Status Current Worst Payment Status -- Date of Last PaymentXX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/2 Remarks Fixed rate Payment History Latest Status : Current XXXX OK 90 OK OK OK XXXX 90 U OK OK OK OK OK U OK OK OK OK XXXX OK U OK OK OK U U OK OK OK OK OK XXXX U U U U OK OK OK U U OK OK OK XXXX U U U U U U U U OK OK U U XXXX U U U U U U U U U U U U XXXX U U U U U U U U U U U U XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 90 90-119 Days Late U Unknown XXXX XXXX XXXX XXXX {$12000.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Auto Account Status Open Opened DateXX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment {$380.00} Responsibility Joint Account Balance {$12000.00} Highest Balance {$25000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 3/2/0 Remarks -- Payment History Latest Status : Current XXXX 30 OK OK U XXXX OK OK OK OK OK OK OK OK OK 30 60 60 XXXX OK OK OK OK OK OK OK OK OK OK 30 OK XXXX OK OK OK OK OK OK OK OK OK OK OK OK XXXX U U U OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late U Unknown 60 60-89 Days Late XXXX XXXX XXXX {$1400.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$1400.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last PaymentXX/XX/XXXX Amount Past Due {$1400.00} Times 30/60/90 Days Late 1/1/9 Remarks Charged off account Fixed rate Payment History Latest Status : Collection/Charge-Off XXXX U U U U XXXX 150 180 180 CO CO CO CO U U U U U XXXX OK OK OK OK OK OK OK OK 30 60 90 120 XXXX U OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U Unknown 150 150+ Days Late 180 Unknown CO Collection/Charge-Off 30 30-59 Days Late 60 60-89 Days Late 90 90-119 Days Late 120 120-149 Days Late XXXX XXXX XXXX XXXX {$0.00} Account Details Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$910.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 1/0/0 Remarks Consumer disputes after resolution Charged off accou XX/XX/XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened DateXX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 72 Months Monthly Payment {$0.00} Responsibility Joint Account Balance {$0.00} Highest Balance {$21000.00} Payment Status 60-89 Days Late Worst Payment Status -- Date of Last Payment XXXX Creditor Name XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$14000.00} Payment Status Current Worst Payment Status -- Date of Last Payment Ma XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1600.00} High Balance {$1700.00} Remarks Consumer disputes after resolution Collection account XXXX XXXX XXXX {$1500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1500.00} High Balance {$1500.00} Remarks Collection account XXXX XXXX XXXX {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1400.00} High Balance {$1400.00} Remarks Consumer disputes this account information Collection account all ftc violations
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| 06/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX- This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This 2 of 3 information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
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| 12/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX, Transunion, XXXX, are all in violation of The Fair Credit Reporting Act of 1974.
Please find listed below all said violations ; 1. Hard inquiries on my consumer credit report 2. Selling my consumer credit information to third parties and solicitation of my credit information without giving me the opt out option.
3. Retaining charge offs on my consumer credit report.
15 U.S. Code 6801 - Protection of nonpublic personal information ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal.
Definition - nonpublic personal information ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.
*16 CFR 313.7 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting.
Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
3 ) CONDITIONS ON USE FOR ADVERSE ACTIONS ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this sub chapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title Privacy Act of 1974 *Fair Credit Reporting Act protects non-public personal information for consumers.
*16CFR 433.1 - 433.1 Definitions.
( a ) Person. An individual, corporation, or any other business organization.
( b ) Consumer. A natural person who seeks or acquires goods or services for personal, family, or household use.
( c ) Creditor. A person who, in the ordinary course of business, lends purchase money or finances the sale of goods or services to consumers on a deferred payment basis ; Provided, such person is not acting, for the purposes of a particular transaction, in the capacity of a credit card issuer.
( d ) Purchase money loan. A cash advance which is received by a consumer in return for a Finance Charge within the meaning of the Truth in Lending Act and Regulation Z, which is applied, in whole or substantial part, to a purchase of goods or services from a seller who ( 1 ) refers consumers to the creditor or ( 2 ) is affiliated with the creditor by common control, contract, or business arrangement. ( e ) Financing a sale. Extending credit to a consumer in connection with a Credit Sale within the meaning of the Truth in Lending Act and Regulation Z.
( f ) Contract. Any oral or written agreement, formal or informal, between a creditor and a seller, which contemplates or provides for cooperative or concerted activity in connection with the sale of goods or services to consumers or the financing thereof.
( g ) Business arrangement. Any understanding, procedure, course of dealing, or arrangement, formal or informal, between a creditor and a seller, in connection with the sale of goods or services to consumers or the financing thereof.
( h ) Credit card issuer. A person who extends to cardholders the right to use a credit card in connection with purchases of goods or services.
( i ) Consumer credit contract. Any instrument which evidences or embodies a debt arising from a Purchase Money Loan transaction or a financed sale as defined in paragraphs ( d ) and ( e ) of this section.
( j ) Seller. A person who, in the ordinary course of business, sells or leases goods or services to consumers.
16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in atNOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED Privacy Act of 1974 PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.
[ 40 FR 53506, Nov. 18, 1975 ; 40 FR 58131, Dec. 15, 1975 ] ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
.
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| 11/19/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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the information and the furnisher could not provide sufficient proof to prove their reporting.
1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account NumberXXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account Number:XXXX This is not mine.
3.The following account is not mine XXXX Account NumberXXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time.
5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
6.Validate Account XXXX Account Number : Please investigate and delete from my credit report.
7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXXXXXX Account Number : Please remove it from my credit report.
9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report.
10.Validate AccounXXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report.
17.Validate Account XXXX Account Number : Please supply information on how you have verified this item.
18.Validate Account XXXX XXXXXXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report.
19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate AccounXXXX XXXX XXXXXXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting!
23.Validate AccounXXXX XXXXY Account Number : Please removed from my public record 24.Validate Account XXXX XXXXXXXX Account Number:XXXX My parent has the same name as me.
25.Validate Account XXXX Account Number:XXXX Please supply information on how you have verified this item.
26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account NumberXXXX Please Update all payment, all pay was made on time.
28.The following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time.
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| 10/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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1 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 2 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 3 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX and # XXXX ( XXXX ) XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 4 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 5 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 6 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 7 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 8 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 9 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 10 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 11 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 12 _ In accordance with the Fair Credit Reporting Act XXXX Account # XXXX ( XXXX XXXX ), has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
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| 01/23/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Dear Sir or Madam : In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C. 1681c ] " Running of Reporting Period '', as of XX/XX/1997, reporting periods only run 7 or 10 years depending on the type of information.
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove outdated items and any additional outdated items that you discover during your investigation. Furthermore, after correcting my credit file, I request that you forward a corrected copy of my credit report to me at the address listed at the top of this letter.
Finally, if your investigation determines the information is not outdated, I respectfully request you forward to me a description of the procedure used to determine the accuracy and completeness of the item in question. In accordance with the FCRA I respectfully request you forward this information within 15 days of the completion of your re-investigation.
This letter is to inform you that I still dispute the listed debts. After receiving your response to my original dispute letter, I contacted the original creditor who was unable to verify this account as mine.
In my opinion, the companies listed have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt.
I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls.
This letter also serves as a formal request to remove unauthorized inquiries from my credit report. I've enclosed a copy of the credit report that your organization provided me on. I've listed the unauthorized inquiries below and also circled them in red on the enclosed report Please note that before making this request, I sent letters to the organizations responsible for these unauthorized inquires asking them to remove their inquiries from my credit reports and to cease their illegal activity. Although I sent these letters return receipt requested and have proof that my letters were received more than 30 days ago, they have failed to respond therefore, I ask for your assistance in resolving this matter.
In accordance with the Fair Credit Reporting Act, I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I ask that you immediately delete the unauthorized inquiries outlined below. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above address.
In accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing -- ( 1 ) The amount of the debt ; ( 2 ) The name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.
( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I respectfully request that you provide me with the following information : the amount of the debt ; the name of the creditor to whom the debt is owed ; Provide a verification or copy of any judgment ( if applicable ) ; Proof that you are licensed to collect debts in ( insert name of your state ) Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense ; You can not add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this debt without validating it, violates the FDCPA ; Also, be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the XXXX XXXX XXXX.
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
|
| 07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX {$1000.00} Balance updated XX/XX/XXXX Exceptional payment history Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 19 % Balance on XX/XX/XXXX Loan Amount {$1000.00} {$1300.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$1300.00} Monthly payment {$13.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$2300.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 15 % Balance on XX/XX/XXXX Loan Amount {$2300.00} {$2700.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$2700.00} Monthly payment {$33.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$1300.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 62 % Balance on XX/XX/XXXX Loan Amount {$1300.00} {$3500.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$3500.00} Monthly payment {$18.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$2000.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 21 % Balance on XX/XX/XXXX Loan Amount {$2000.00} {$2600.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$2600.00} Monthly payment {$26.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$2900.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 17 % Balance on XX/XX/XXXX Loan Amount {$2900.00} {$3500.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$3500.00} Monthly payment {$37.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$2700.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 33 % Balance on XX/XX/XXXX Loan Amount {$2700.00} {$4100.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$4100.00} Monthly payment {$40.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$5100.00} Balance updated XX/XX/XXXX Exceptional payment history Account Info Tap labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 5 % Balance on XX/XX/XXXX Loan Amount {$5100.00} {$5500.00} Payment Info Status Current Status date XX/XX/XXXX Past due amount - Original loan amount {$5500.00} Monthly payment {$73.00} Late payments - You've made 100 % of your payments on time for this account.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX On Time Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX XXXX {$5300.00} Balance updated XX/XX/XXXX Exceptional payment history
|
| 08/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
|
When I went to the car rental place, I pulled out my wallet to give them my Identification and when I noticed it wasn't there. I left to go back home to check if I could have left my personal information there which I never really do but I still checked anyway to find out nothing was there neither. I then started to wonder if somebody could have stolen my information so I checked my credit report and noticed a lot of hard inquires reporting that are unauthorized without my knowledge. I filed a police report and not coming to cfpb to get this matter fixed. I reached out to the credit bureaus and they treated me very poorly and I will make sure I go public about the unprofessional services because they chose not to hear me out. I listed below all the accounts that's reporting on my credit report without my authorization : XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$680.00} {$680.00} {$680.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$27000.00} {$27000.00} {$27000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$28000.00} {$28000.00} {$28000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$1300.00} {$1300.00} {$1300.00} Payment Status : Late 60 Days Late 60 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Educational Educational - Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 120 120 120 High Credit : {$96.00} {$96.00} {$96.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Consumer disputes after resolution Closed or paid account/XXXX balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Auto Loan Auto Loan Auto Loan Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$6200.00} {$6200.00} {$6200.00} No. of Months ( terms ) : 74 74 74 High Credit : {$16000.00} {$16000.00} {$16000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$6200.00} {$6200.00} {$6200.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Auto Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXXXXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Unsecured loan Unsecured loan - Bureau Code : Individual Individual Individual Account Status : Derogatory Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : 36 36 0 High Credit : {$5000.00} {$5000.00} {$5200.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance.
Account legally paid in full for less than the full balance.
Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Banks XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
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| 12/13/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Georgia XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Urgent Action Needed : FCRA Violations in My Credit Report Dear Transunion, I hope this message finds you well. I am writing to urgently address concerning inconsistencies discovered in my credit report that significantly breach the Fair Credit Reporting Act ( FCRA ). The persistence of these inaccuracies within my credit profile highlights a substantial oversight of FCRA regulations within your agency.
To clarify : The Fair Credit Reporting Act is a crucial federal statute governing the collection and reporting of consumer credit information. It mandates precise data collection, retention, and fair sharing of consumer credit data, promoting transparent interactions with consumers.
Instances of FCRA violations in my case include : Inaccurate financial data provided by creditors to reporting agencies.
Agencies merging individuals ' data due to name or social security number similarities.
Neglect of prescribed dispute resolution protocols.
Under the Fair Credit Reporting Act, I uphold specific rights : The right to verify report accuracy, particularly for employment purposes.
Notification if my file information has been used in credit applications or other transactions against me.
The ability to dispute and request correction or removal of incomplete, erroneous, or unverifiable data from bureaus.
The removal of outdated negative information, typically a
fter seven years, or ten in bankruptcy cases. I formally request immediate rectification of the listed items below. Th
ese items significantly breach FCRA standards due to inaccuracies, lack of verifiability, and continuous invalidation. Their presence has led to substantial distress, notably evidenced by my recent denial of extended credit directly tied to errors originating from your agency.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. This is an unauthorized inquiry. This inquiry is not reported consistently on all three bureaus. This is a reporting error and negatively affects the accuracy of my credit report.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. XXXXXXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
27. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
28. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
29. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
30. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
31. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
32. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX -This address is not correct. Delete it immediately from my report.
I anticipate swift action to rectify these violations within the FCRA 's specified timeframe. Failure to comply may necessitate pursuing legal measures to ensure my rights under the FCRA are duly upheld.
Warm regards, XXXX XXXX
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| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CO XX/XX/2023 Credit Bureaus : XXXX XXXX Transunion Subject : Violation of Consumer Rights- Credit Inquiries Dear Credit Bureaus, I am writing to bring to your attention a matter concerning the violation of my consumer rights related to credit inquiries made on my behalf. As a consumer protected under the relevant laws and regulations, I believe that my rights have been infringed upon based on the following credit inquiries : XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX I believe that these credit inquiries have violated my consumer rights as outlined under the applicable consumer protection laws, including but not limited to : 1. Defamation of Character 2. Negligent Infliction of Emotional Distress 3. Violation of 15 U.S.C. 1681 Section 602A - Right to Privacy 4. Violation of 15 U.S.C. 1681 Section 604A ( 2 ) - Unauthorized Furnishing of Account Information 5. Violation of 15 U.S.C. 1681n - Civil Liability for Willful Noncompliance Furthermore, it has come to my attention that the credit inquiries may be indicative of potential identity theft and fraud. I would like to emphasize that I have not authorized these credit inquiries nor have I engaged in any transactions or agreements with the entities listed above. Therefore, I strongly suspect that my personal information has been misused without my consent, which is a grave concern.
I would like to remind you that according to 15 U.S.C. 16811c 2 - Block of Information Resulting from Identity Theft, a police report is not a lawful requirement for the identity theft block and removal process. Additionally, I do not possess the identity of the person responsible for the identity theft, as it is not a requirement for submitting the necessary documentation.
In light of these violations and concerns, I kindly request that you promptly investigate the credit inquiries made by the aforementioned entities, take appropriate action to rectify any inaccuracies or unauthorized activities, and provide me with a written explanation of the situation. Furthermore, I expect full compliance with the provisions of the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws to ensure the protection of my rights and privacy.
If necessary, I am prepared to take legal action to safeguard my consumer rights and seek appropriate remedies. However, I believe that resolving this matter amicably and in a timely manner would be in the best interest of all parties involved.
Please acknowledge receipt of this letter within [ reasonable timeframe, e.g., 10 business days ] and inform me of the steps you will be taking to address the violations outlined above. I anticipate your cooperation and prompt resolution of this matter.
Thank you for your attention to this urgent matter. I look forward to your prompt response.
Yours sincerely, XXXX XXXX Attached FTC Report Regarding the question of why a police report isn't needed or required for a Federal Trade Commission ( FTC ) identity theft report or investigation, it is essential to consider the provisions of consumer law and the reporting process established by the FTC.
Consumer protection laws, such as the Fair Credit Reporting Act ( FCRA ) and the Identity Theft and Assumption Deterrence Act ( ITADA ), aim to safeguard the rights and interests of individuals affected by identity theft. These laws recognize that requiring a police report for every instance of identity theft may pose practical challenges and create unnecessary burdens for victims. As a result, alternative reporting mechanisms have been established to ensure that victims can report identity theft incidents without the need for a police report.
The FTC provides an accessible and streamlined reporting process through its website and helpline. This mechanism allows individuals to report incidents of identity theft directly to the FTC, providing them with the necessary information and documentation to initiate an investigation. The FTC acts as a central point for collecting and analyzing identity theft reports, which can aid in identifying trends, patterns, and larger-scale identity theft operations.
The reasons why a police report may not be required or necessary for an FTC identity theft report are as follows : 1. Variations in Local Requirements : Jurisdictions may have different requirements for filing a police report in cases of identity theft. Recognizing this discrepancy, the FTC provides an inclusive reporting process that does not solely rely on a police report, ensuring that victims from various jurisdictions can report incidents without hindrance.
2. Limited Law Enforcement Resources : Law enforcement agencies have limited resources and prioritize cases based on severity and available personnel. Individual cases of identity theft with relatively low financial losses may not receive the same level of attention as more significant crimes. The FTC 's reporting system enables victims to report incidents directly to the FTC, ensuring that their cases are documented and investigated, regardless of the prioritization of local law enforcement agencies.
3. Streamlined Reporting and Investigation Process : The FTC 's reporting process is designed to be accessible and straightforward, allowing victims to provide the necessary information directly to the agency. This streamlined approach enables the FTC to collect and analyze data efficiently, investigate patterns and trends, and coordinate with other law enforcement agencies if necessary.
While a police report may not be required for filing an FTC identity theft report, it is important to recognize that it can still serve as valuable documentation in specific circumstances. For instance, creditors or financial institutions may request a police report as part of their internal investigation process or when resolving fraudulent transactions or accounts. In such cases, victims may choose to file a police report to bolster their claims and support their defense.
It is advisable for individuals who believe they are victims of identity theft to review the guidelines and requirements provided by the FTC, consult consumer protection attorneys, or seek legal advice to understand the specific procedures and documentation needed for their particular situation. By familiarizing themselves with the relevant consumer protection laws and reporting processes, individuals can assert their rights and protect their interests effectively.
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| 07/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account Number:XXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account Number:XXXX This is not mine. 3.The following account is not mine XXXX Account Number:XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. XXXXValidate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXXValidate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed XXXXValidate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists XXXXValidate Account XXXX Account Number : Please ensure that all information is accurate XXXXValidate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate XXXXValidate Account XXXX Account Number : Please remove it from my credit report. XXXXValidate Account XXXX Account Number : Please supply information on how you have verified this item. XXXXValidate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXXValidate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed XXXXValidate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXX.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t XXXXValidate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! XXXX.Validate Account XXXX Account Number : Please removed from my public record XXXXValidate Account XXXX XXXX Account NumberXXXX My parent has the same name as me. 25.Validate Account XXXX Account Number:XXXX Please supply information on how you have verified this item. XXXX.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account Number:XXXXXXXX Please Update all payment, all pay was made on time.
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| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, XXXX Unauthorized Inquiries XX/XX/XXXX : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX, XXXX - XXXX Account Name : XXXX - XXXX XXXX - XXXX XXXX - XXXX Account # : XXXX XXXX XXXX High Balance : {$12000.00} {$0.00} {$12000.00}, XXXX Account Name : XXXX XXXX Account # : XXXX XXXX High Balance : {$5700.00} {$5700.00}, XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account # : XXXX XXXX XXXX High Balance : {$4100.00} {$4100.00} {$4100.00}, XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account # : XXXX XXXX High Balance : {$180.00} {$180.00} , have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment, and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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| 09/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
Servicemember |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles. My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX, XXXX, NJ XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth. I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau. RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my TransUnion Credit Report. To Whom It May Concern, In the course of recently screening my personal TransUnion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
3. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
16. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
17. The inquiry was not authorized XXXX Auto Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
19. The inquiry was not authorized XXXX XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX This inquiry was not authorized. Please delete from my credit report immediately as it is affecting my credit.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my TransUnion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
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| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SS # : XXXX | Date of Birth : XX/XX/XXXX RE : Violation of the Fair Credit Reporting Act ( FCRA ) and Request for Deletion of Inaccurate Information Dear Sir/Madam, I am writing this letter to address the continued violation of the Fair Credit Reporting Act ( FCRA ) by your organization regarding the presence of inaccurate, unverifiable, and invalidated information on my consumer file. This letter serves as both a final settlement offer before litigation and a formal notice of pending litigation seeking relief and monetary compensation under FCRA Sections 1681n, 1681o, and 1692k.
I have previously contacted your organization to request the removal of the following items from my credit report, as they are inaccurate, unverifiable, and invalidated : The following personal information is incorrect : EMPLOYER : XXXX XXXX The following personal information is incorrect : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Unauthorized inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized inquiry : XXXX Date of inquiry : XX/XX/XXXX Despite my previous attempts to address these issues, the inaccurate information remains on my credit report, indicating a violation of the FCRA.
I want to emphasize that under the FCRA, it is your responsibility to ensure the accuracy and validity of the information you report. As per my previous communication, you have failed to provide me with any original documentation to verify the accuracy of these items, as required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the FCRA. Additionally, you have not provided the method of verification, as required under Section 611 ( a ) ( 7 ). As a result, you are in direct violation of the FCRA.
I demand the immediate deletion of the following items from my credit report : 1. The following personal information is incorrect EMPLOYER : XXXX XXXX 2. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 3. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. Did not consent to unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
14. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
16. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
17. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
18. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. The following personal information is incorrect ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX XXXX 20. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 21. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Failure to comply with this request within 30 days of receipt of this letter will result in further legal action to enforce my rights under the FCRA. In accordance with the FCRA Sections 1681n and 1681o, I may seek monetary compensation for willful noncompliance and negligent noncompliance, as well as attorney 's fees and costs.
Please consider this letter as a final opportunity to rectify this matter before litigation. I expect prompt attention to this request, and I will be monitoring your actions closely.
This letter and its contents may also be submitted as evidence in a formal complaint to the Federal Trade Commission and other relevant authorities.
Thank you for your immediate attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 07/25/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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This entire problem was caused by theft of my identity. I've never done business with XXXX XXXX, never been inside their place of business, and until this appeared on my credit report, never visited their website. XXXXXXXX XXXX behavior is not understandable to me, and I believe it to be either willfully negligent or an employee is somehow participating or benefiting from fraudulent accounts opened using stolen identities. A XXXX and XXXX search for XXXX XXXX and ID theft makes it seem like this is not a unique occurrence, and their refusal to communicate with victims of ID theft is their standard method of operation. For reference, I've had a near perfect credit rating for well over 30 years.
XX/XX/XXXX : XXXX credit monitoring service reported new activity on my credit report. This reveled two recently opened lines of credit ( ID theft ) with XXXX XXXX ( XX/XX/XXXX + XXXX for {$910.00} USD, and easily resolved with a single phone call that day ), and XXXX ( XX/XX/XXXX for {$5700.00} or XXXX USD ). XXXXXXXX XXXX was notified by both myself, and XXXX via phone about the ID theft + fraudulent account opening on XX/XX/XXXX. This was a fast response ( 14 days ) that XXXXXXXX XXXX should have been using that time to check surveillance cameras in-store ( if that's where it happened ), and reaching out to me to get more information for their investigation / police report on their end. None of that happened.
On XX/XX/XXXX, XXXX, and XXXX I attempted to reach the XXXXXXXX XXXX fraud department line ( XXXX XXXX ) and left messages for a callback request. I also attempted to speak with XXXX XXXX customer service line, but the hold time was more than 1 hour. I spoke repeatedly with the billing department, whom was unable to provide any information about how the credit was granted, and if the purchases were made online/in person. All requests for information were referred to the fraud department number or two other completely non-functional phone numbers. Even the other XXXX XXXX departments were unable to find a working phone number for the fraud department. My understanding is that this type of information must be provided to assist with filing a police report and to help prevent further instances of identify theft by the same offender. It's bizarre to me that XXXX XXXX staff has no idea how to contact their fraud department, I was even told that no mailing address or other mechanisms for contact were possible. After 6 different pone calls, I was finally able to get someone to admit that yes, they can make a note on my account that I'm reporting a victim of ID theft, and I should receive paperwork within 30 days.
On XX/XX/XXXX, I was called by a XXXXXXXX XXXX collection department. Prior to my conversation with the billing department, XXXX XXXX didn't have my telephone number ( the loan application had my valid name, SSN, and current home address. I don't believe they had a valid phone number, the email address was from an old employer from 20 years ago, and is no longer in business. So now, the collection department was able to contact me. I instructed them that they were not allowed to ever all my cell phone again for collection activities, and insisted that they remove my cell phone number from this fraudulent account. They also said they would put a note about the ID theft on my account. The collection agent was polite, and I haven't received any further phone communications from XXXXXXXX XXXX about the account. I did get the collection agent to tell me the purchases include a big screen TV and a soundbar. I continue to receive notices via postal mail every 2 weeks that I haven't made my first payment. It's now XX/XX/XXXX.
XXXXXXXX XXXX has sent me a generic form via mail requesting my assistance with the ID theft report. It's a six page form, and wants multiple additional forms of identity information, to be signed in person by a police officer or notary. I tried many more times to request more information from XXXXXXXX XXXX fraud department about this form, I've never had a single returned phone call. As this was in the early days of the pandemic, my police department was closed to the public, and it was an unnecessary health risk to obtain a witness signature to for paperwork to solve a problem that absolutely was not my responsibility or fault.
In lieu of XXXXXXXX XXXX specific requested document form, I instead have provided the FTC 's identify theft report which contains the same information in a re-usable form along with proof of identity documents. This was sent via postal mail on XXXX. It also included details about the police report filed with my local police department ( XXXX, TX PD ). The FTC form contains reminders about the the law concerning falsely reporting bad credit activity, that the falsely reported credit entries must be removed immediately, and that the accounts must be closed.
XX/XX/XXXX & XX/XX/XXXX. I realized that a credit-insurance for the fraudulent XXXX XXXX account was also purchased ( XXXX 's provided a copy of the policy along with the affidavit form ). XXXX ( the underwriter ) has no system to close this fraudulent policy in my name. I spoke with 5 employees at XXXX, they denied having a fraud department or anyone that is responsible for addressing reports of fraud. I was told I would receive a call back in 2 weeks from a " manager '', that never happened ( now XX/XX/XXXX ). I get the impression that they only take direction from XXXX XXXX concerning the policy and that fraud isn't something they are capable of addressing.
Week of XX/XX/XXXX. I received a duplicate copy of the affidavit form from XXXXXXXX XXXX via certified mail. There is no specific information in the mail, and no reply or confirmation of the FTC ID theft report. XXXXXXXX XXXX has now reported the past-due fraudulent account to XXXX, XXXX, and Transunion. The XXXX item has been disputed, and XXXX XXXX has replied on XX/XX/XXXX that the claim of ID theft is false, and that the account is legitimate.
A final thought. Many of XXXXXXXX XXXX customers probably have poor or insufficient credit ( based upon their heavy TV advertising of easy credit for appliance purchases ) People struggling to pay their bills each month certainly can't afford a lawyer to defend themselves from a corporation that seemingly doesn't care how they conduct their billing operations. There are hundreds of complaints ( top XXXX search results ) about unfair billing practices when I tried to research XXXXXXXX XXXX and victims of ID theft ( # 2 XXXX result was an identical ID theft experience ). When companies behave this way, it increases their profits through unfair fees and interest penalties.
If XXXXXXXX XXXX is willing to treat a clear case of ID theft such as mine as unworthy of fixing, and falsely reporting information to the credit bureaus, just imagine how they treat their actual customers.
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| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have seen repeatedly fraudulent accounts and transactions in my name on my consumer reports from Account Name XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have repeatedly warned them and the credit reporting agencies about these fraudulent accounts that are on my consumer report. I did a XXXX report a FTC identity theft report state attorney general report a Florida consumer complaint Ive spoken with the representatives there multiple times about the fraudulent accounts that are reporting on my consumer report they have been on my report now. Well over the last two or three years Ive reached out to all three of the credit reporting agencies about the fraudulent accounts, and that they should be removed because these are not and never have been my accounts They have multiple addresses on my consumer reports addresses that Ive never lived at my entire life. a lot of the information with the misspellings of my name, and all of the addresses and especially with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX DateOpen XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Amount XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX ( Fraudulent Name ) XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent address ) Date XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX NA XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX never gave ( XXXX, XXXX, or TransUnion XXXX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. You also do not have any permissible purpose to furnish my personal information to any third party. 15 USC 61681b Permissible purpose of consumer reports ( a ) IN GENERAL Subiect to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written Instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account : Account Name XXXX XXXX XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX, XXXX, TransUnion Pursuant to my rights under the state and federal fair debt collection laws, I hereby request that you immediately cease all written and oral contact with me, and my family and friends, concerning all alleged debts you contend I owe. My employer prohibits me from receiving your calls or letters at work, and such contacts are embarrassing and inconvenient for me. Therefore, please also refrain from contacting my workplace in any manner. You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Attorney General 's office and civil claims may be pursued.5 U.S. Code 1681c-2 - Block of information Resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) NOTIFICATION A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) AUTHORITY TO DECLINE OR RESCIND ( 1 ) IN GENERAL A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that- ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( XXXX ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you ( XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 10284 This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNIONXXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract- any all accounts you post on a credit report. Otherwise, anyone paying for your reporting service could fax, mail or email in a fraudulent account. I demand to see Verifiable proof ( an Original Consumer Contract with my Signature on it ) vou have on file of the account listed below. Your failure to positively verify these accounts hurt my ability to obtain credit. Under the FCRA, Unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.
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| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I filed disputes with XXXX, Transunion, and XXXX. All 3 Bureaus claimed to have completed a reasonable investigation with the funisher of information and verified the accounts listed below as reporting 100 % accurate. However, these accounts are STILL inaccurate and the 3 Bureaus is STILL continuing to report errors on my credit file, which is causing damage to my credit score. All 3 Credit Bureaus is in violation of the FDCPA. They know for a fact that they are required under the FCRA to properly verify the accuracy of an account listed on my credit report, which they did not do. This is grounds for removal.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. XXXX is also reporting 120 days late. Collection accounts can't report late payments. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. XXXX is also reporting 120 days late on a collection account. Collection accounts can't report late payments. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. XXXX is reporting a high balance of {$470.00}, Transunion is reporting {$810.00}, XXXX is reporting {$0.00}. How can the date of last activity and high balance be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. XXXX is reporting a high balance of {$17000.00}, Transunion and XXXX is reporting {$21000.00}. How can the date of last activity and high balance be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. XXXX is reporting last payment on XX/XX/XXXX, Transunion is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunuion is reporting XX/XX/XXXX. XXXX is reporting account being open, XXXX is reporting account being closed. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. XXXX is reporting XX/XX/XXXX, XXXX is reporting XX/XX/XXXX, and Transunion is reporting XX/XX/XXXX. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Transunion is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Transunion and XXXX claim to have verified the account, but many discrepancies were found having inaccurate, incomplete, and or different information from what the other claims to be accurate. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Account Name : XXXX Account number : XXXX This account need to be removed because the date of last activity is inaccurate. Transunion is reporting XX/XX/XXXX, and XXXX is reporting XX/XX/XXXX. Transunion and XXXX claim to have verified the account, but there are multple inaccuracies. How can the date of last activity be different for every bureau if all of them should be verfifying information from the same source?? There is no possible way this account was verified. Please delete for multple inaccuracies.
Attached file showing inaccuracies.
|
| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX SSN : XXXX DOB : XX/XX/XXXX To Whom It May Concern, I am writing to formally dispute the inaccurate and unauthorized information that has been reported on my credit report. I believe that my rights under the Fair Credit Reporting Act ( FCRA ) have been violated, and I am seeking your assistance in enforcing the legal protections that are in place to safeguard consumers like myself.
I have been an active and responsible consumer, consistently striving to maintain a healthy credit history. However, I have recently discovered a series of inaccuracies and unauthorized credit inquiries on my credit report that have had a profoundly negative impact on my financial well-being and overall quality of life.
The violations I have identified are as follows : Inaccurate Credit Reporting ( Late Payments ) : Accounts : XXXX XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXXXXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX XXXX : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXXXXXX ) : Account number XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
Violations : Violation of FCRA Section 623 ( a ) ( 2 ) Reporting Inaccurate Information Unauthorized Credit Inquiries : Inquiries : XXXX XXXX XXXXXX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXXXX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXXXX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX, XXXX XXXX | XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violations : Violation of FCRA Section 604 Permissible Purposes of Reports Inaccurate Personal Information : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This name belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX CA XXXX This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX CA XXXX This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX XXXX This name belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
XXXX XXXX XXXX XXXX CA XXXX XXXX This address belongs to someone else. Delete it from my report immediately.
Violations : Violation of FCRA Section 607 ( a ) Responsibilities of Furnishers of Information I would like to emphasize the emotional toll that these inaccuracies and unauthorized inquiries have taken on my life. For years, I have diligently worked to build a solid financial foundation, only to have it eroded by these unwarranted actions. As a result, I have been denied credit opportunities, faced higher interest rates, and experienced immense stress and frustration. The very prospects that I have worked tirelessly to secure have been stripped away due to circumstances beyond my control.
In light of these violations, I kindly request your intervention to enforce the legal protections granted to consumers under the FCRA. I urge you to investigate the inaccuracies, unauthorized inquiries, and personal information discrepancies on my credit report. Furthermore, I implore you to instruct the respective creditors to remove the unverified accounts and inquiries that have tarnished my credit history without valid cause.
I deeply appreciate your attention to this matter and the critical role the Consumer Financial Protection Bureau plays in safeguarding consumer rights. I am hopeful that your involvement will lead to a resolution that restores the accuracy and integrity of my credit report, thus allowing me to move forward with financial security and peace of mind.
Thank you for your time and consideration. I eagerly await your response.
Sincerely, XXXX XXXX XXXX XXXX
|
| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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To Whom It May Concern, I am writing this letter to bring to your attention the presence of Inaccurate and Incomplete information on my Credit Report, which was recently discovered while I was in the process of applying for New Employment which can be considered an adverse action.
I have obtained a copy of my credit report and found several items that are not correct, and I am concerned that these inaccuracies have adversely impacted my ability to obtain employment at this time.
I have been advised by a legal acquaintance that these inaccuracies can be considered an adverse action under 15 U.S. Code 1681a, specifically section 603 ( k ) ( b ) ( ii ). As such, I kindly request the immediate correction and updating of the following accounts on my credit report : Inaccurate and incomplete Information : 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Delete this account 1. there is some inaccurate information reporting.
XXXX XXXX XXXX Account Number : XXXX Delete this account.
2. XXXX XXXXXXXX XXXX XXXXXXXX - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account.
6. there is some inaccurate information reporting.
XXXX Account Number : XXXX Delete this account.
7. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 8. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX 9. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX 11. The following personal information is incorrect Account Number : XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : XXXX : XX/XX/XXXX 13. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : XXXX : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX 16. The following personal information is incorrect Account Number : XXXX : XXXX 17. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CPS Date of inquiry : XX/XX/XXXX Delete this account.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
34. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX 35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
44. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
45. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
47. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
48. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
49. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
50. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX 51. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account NumberXXXX have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO XXXX XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account Number:XXXX This is not mine. 3.The following account is not mine XXXX Account Number:XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 19.Validate Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXX Account NumberXXXX My parent has the same name as me. 25.Validate Account XXXX Account Number:XXXX Please supply information on how you have verified this item. 26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account Number:XXXX Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account NumberXXXX Please Update all payment, all pay was made on time.
|
| 11/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
|
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Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
|
| 10/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
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| 10/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.
1 ) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff ( s ) { should I forward into a civil complaint } or with the entity ( ies ) that allegedly issued against me the defaulted line of credit ( s ) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form.
2 ) I have no knowledge of ever knowingly acknowledging ( or even unknowingly doing so ) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers ( or to-be plaintiff ) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiffs statement of claim ( s ) and discharge of misreported delinquencies and derogatory behavior that the accusers complaint is undeniably unfairly lodged versus me.
3 ) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiffs claims are mute of legal standing in full accordance of law and must be dismissed.
4 ) I have no knowledge of ever entering into a open account with to-be Plaintiff ( s ) or with the entity ( ies ) that allegedly issued me the defaulted line of credit ( s ) or derogatory claims of credit.
5 ) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt ( s ), and or otherwise derelict documentation of claim ( s ) inherently makes invalid the to-be Plaintiffs whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge ( s ) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
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| 08/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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TransUnion LLC Consumer Dispute Center po box XXXX XXXX, PA XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted.
Here as follows are items in error : XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Section XXXX states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Accounts that are incorrectly reported as late or delinquent such as by a collection agency or other creditor.
XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Only your bureau is reporting this. Remove this fraudulent account.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Accounts that are incorrectly reported as late or delinquent such as by a collection agency or other creditor.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Under 15 US Code 1681a ( 3 ) this medical collection is in violation and cant be on my credit report MISSION FCU Account Number : XXXX Please remove it from my credit report.
XXXX. COLLECTION agency did not send me anything to verify this account so how did you verify it Where is the valid documentation Please remove this account immediately.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only I can validate this debt. I do not validate this debt.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Section 623 states that if an account can possibly be inaccurate there must be an address conspicuously listed and if not this COLLECTION account can not report. Please remove this account immediately.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.
It is my belief that the source documents used by the information provider are unreliable and that they have matched the disputed accounts to my credit file in error. Please verify that the social security number and signature on the credit application used to open these disputed accounts reported on my credit report is truly mine. You can do this by sending me a signed copy of the credit application that was used to open the disputed accounts. Please verify that all of the information given to you by the provider and then published on my report concerning these disputed accounts is accurate by sending me the documents you used to verify the accuracy of these items.
***IMPORTANT*** Please don't respond to my request by saying that these accounts have been verified by the information provider. Send me copies of the documents that you have retained in your files that your company used to verify the accuracy of these disputed accounts.
I do not give your company permission to publish unverified information on my credit file. I am asking your company to legally verify the accuracy of these disputed items and not to just parrot what the information provider tells you. By publishing these unverified items on my credit report you are in violation of the FCRA and by distributing my credit report to XXXX parties you are damaging my reputation and creditworthiness.
If you do not have any documentation in your files that verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). You have not verified the accuracy of these accounts. At best, you have only parroted what the information provider told you. The law is clear that a credit reporting agency does not comply with the verification requirement of 1681i if it simply parrots the information provider 's electronic response.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts MUST be promptly deleted.
Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Please see attached.
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| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 2.Validate Account XXXX Account NumberXXXX This is not mine. 3.The following account is not mine XXXX Account XXXX 4.Validate Account XXXX Account Number : Please Update all payment, all pay was made on time. 5.Validate Account XXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 6.Validate Account XXXX Account Number : Please investigate and delete from my credit report. 7.Validate Account XXXX Account Number : Please investigate the history reported on this account It is absolutely inaccurate this company does not have any information to verify as they have reported over and over in the history that they have " No Data ( ND ) ''. As this is unverifiable, FCRA Sect. 611 REQUIRES you to delete this immediately as anything inaccurate about the information they have furnished requires correction or deletion according to FCRA Sect. 611. Take care of this immediately 8.Validate Account XXXX XXXXXXXX Account Number : Please remove it from my credit report. 9.Validate Account XXXX XXXX Account Number : Please remove it from my credit report. 10.Validate Account XXXX XXXXccount Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 11.Validate Account XXXX XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 12.Validate Account XXXX XXXX Account Number XXXX have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 13.Validate Account XXXX Account Number : Please ensure that all information is accurate 14.Validate Account XXXX XXXX Account Number : have not supplied proof under the doctrine of estoppel by silence Engelhardtv v. Graven ( MO ) 261 SW 715 719 i my presume that no proof of the alleged debt nor therefore any such debt in fact exists 15.Validate Account XXXX XXXX Account Number : Please ensure that all information is accurate 16.Validate Account XXXX Account Number : Please remove it from my credit report. 17.Validate Account XXXX Account Number : Please supply information on how you have verified this item. 18.Validate Account XXXX XXXXXXXX Account Number : This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. XXXX Account XXXX Account Number : Please remove inaccurate reported late payments update to paid as agreed 20.Validate Account XXXX XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 21.Validate Account XXXX Account Number : PLEASE REMOVE OR I WILL CONTACT FCRA. Furthermore, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to [ name of provider ] for them to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization, therefore my request is twofold and as follows : Validation of Debt and HIPAA authorization - Please provide a breakdown of fees including any and all collection costs and medical charges- Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me. -- -- -- 'I am unaware of this collection, please validate or remove this account. -- -- - Why are you not reporting t 22.Validate Account XXXX XXXX Account Number : Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 23.Validate Account XXXX Account Number : Please removed from my public record 24.Validate Account XXXX XXXXXXXX Account Number:XXXX* My parent has the same name as me. 25.Validate Account XXXX Account Number:XXXX Please supply information on how you have verified this item. 26.Validate Account XXXX Account Number : XXXX 27.The following account is not mine XXXX Account Number:XXXX* Please Update all payment, all pay was made on time. 28.The following account is not mine XXXX Account NumberXXXX Please Update all payment, all pay was made on time.
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| 12/09/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Servicemember |
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The question here is who side are you on FTC, Im an American citizen here asking for my life back. Ive been asking for years, from XXXX, XXXX, trans union, XXXX XXXX and almost every company is just happening to have a breach, supposedly, I find it a coincedince, being that we are dealing with a covid. A time that is perfect for any criminal or credit borough to get away with making money off my identity. If Im wrong in the end based on stable facts an apology will come ...
It started I believe XXXX seen a lien in mail, I read it and thought to myself huh just another of the million things I have to fix that do not belong to me. Eventually I was on phone for hours and days with all the credit Burroughs early XXXX XXXX tears in my eyes tired because my bank accounts were getting run up, XXXX XXXX, XXXX and more they called and treated me like the criminal and Im the one here that got took for all I had in the bank as I was staying in a hotel, already trying to get by ... yet every day and night my family heard me on phone angry, daily disputing my credit and to no avail the address thats been on file for me 16yrs. No one informed me they had a breach and my personal info was out there, not only out there innacurate, my credit report has another individuals social security number on it, that I have been disputing for years and they have still failed to remove it, it also has innacurate accounts, they also reported from XXXX stated bankruptcy, I do not have, Not only that. Because I filed in the mediation breach settlement. XXXX will not let me access my report, the screen which is always recorded when doing credit issues, displays because condition exists unable to access report, not only that I called over and over to get to them and in the past I always got through to them as I was on the phone for hours on a daily and you can see that if you check the call log history including the past numbers that were removed by a relresentitiv3 to add an updated number, that I told not to remove because I keep my old call reports.. now when I called weeks ago, I already knew what was going on, they have a teleprompter on there phone line and no csr service and Im sure its because they have a new breach I come to realize. and it says I requested a freeze on my credit Report I did not request and a pin. I do not know. They are asking me to mail docs I cant afford to get notarized based on something that is all the above listed credit Burroughs fault. Also trans union has that I have an OFAC on my report for those that dont know that means your a XXXX! Which I. Am not ..Meaning they can harm me, for something I have nothing to do with,, Im a citizen that has and deserves rights ven the company I was working had the wrong doc and it stoped. E getting paid on time cause XXXX wouldnt remove the address and wrong social security number from my record even though I asked for years. They have stopped me from getting employment and my resume is very well extensive. XXXX says wrote me a letter in mail stating Im sorry to inform you, but we have mistakenly mixed your social security number up with another individual. If I write all Ive been through it will be years of writing. So hear goes I opt out of all breach settlements for all credit Burroughs and do not choose to settle. XXXX I dispute every and all on my record, and I demand you tell me all who you sold my personal info too. A full file disclosure. Who soc security number you mixed me up with and I want to know they are still not using my information. trans union you have ofac in my notes and you have broken many rights and laws to i the consumer you scrambled my account numbers even though I told you not too.. how will I dispute with scrambled numbers, not only that The OFAC in my notes do not list why and from what reporting agency. I have tried to call treasury. All I am going to say Experian when FTC reaches out pay the settlement I asked for and prepare to not turn down anymore of anything I apply for remove the number off my credit report, do not ask me to submit my proof for settlement I have my proof, I never lose a receipt or a receptionist name Whom to when I speak. You are the credit borough you have all docs and credit Burroughs hold docs up to 7-10 years, not only that. Records never get tossed. Records are kept on file records for life now. XXXX what you are doing is illegal pay my settlement and stop the fraudster from accessing my personal info to whom you caught a breach from in XXXX. I disputed you also for years and you wont let me access my credit intentionally. Your certificate expired again yes I caught that and saved proof of it a 100xs. You are responsible for protecting sensible data and doing your business .after. You guys have the nerve to send me a letter stating I dont have a ssn or no credit.stop the fraud going on in your departments so that you can stop the breaches even if that means you. Now I want a new name and social since you destroyed a large chunk of my life with bad businessethnics and protection for the consumer. Now you will know its me when I submit my screen recording after I save it 500xs so I do 5 get hacked by any entity doing illegal business. I am in the midst of opening my business and you are taking more of my life from me now it stops now, dont lie, create any fake docs throw out anymore consumers data or target rural folks, elderly and who ever else you thought would be easy to take from. I hope we can do business in the future. Ima put my trust in to you FTC ...
Be for right .... XXXX XXXX point no opening fix my credit issues XXXX, XXXX, trans union, that I did not create nor did I ask to have not trust my life and estate with, I was forced to ... Im not getting paid by the hour to research the errors you create. I would like a new soc, and name and i asked to excercise my rights under ccpa, full privacy do not call list and if any entity asks for my credit info they have to have my voice, along with verbal and written and signed all together. I also would like my XXXX yrs full file disclosure this person that has my info may be dangerous. If they have an OFAC. Negligence get my new updated phone numbers and email from the FTC and will leave update, and show proof through this recording I opt out of alll breaches and if you mishandle my information. You fix it, also Equifax your settlement line is reading a manuscript a teleprompter. Hire people that are well knowledge and able to service the consumer. Im leaving my trust in the federal trad3 commission. Signed not last 4 digits of soc ending in XXXX fix it now ... ... my business starting if you affect it you owe triple of whatever I lose cause now its just getting ridiculous dont waste my time with the games, us Americans have families and a life and business to run ... dont try to harass me please just do whats right ...
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CFPB, I am writing to you today with a heavy heart and a deep sense of frustration stemming from a situation that has had a profound and devastating impact on my life. I am hopeful that the Consumer Financial Protection Bureau, as the guardian of consumer rights, can help me find a resolution to the injustices I have faced.
As a law-abiding citizen, I have always strived to maintain a good credit standing. A good credit score is not just a number ; it represents financial stability, opportunities, and the ability to provide a secure future for oneself and one 's family. Unfortunately, this aspiration was shattered when I discovered several unauthorized and unverified accounts on my credit report, tarnishing my financial reputation and dreams.
The violations I wish to bring to your attention, along with the specific codes, subsets, and sections of the law they may have violated, are as follows : 1. Unverified Accounts : XXXX ( Account Number : XXXX ) : These accounts have appeared on my credit report without any legitimate basis, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ).
XXXX XXXX ( Account Number : XXXX ) : These accounts have appeared on my credit report without any legitimate basis, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ).
XXXX. Unauthorized Inquiries : XXXXXXXX XXXX XXXXXX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX XXXX XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX XXXX XXXXXX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX XXXX XXXXXX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX XXXX ( XX/XX/XXXX ) : Multiple inquiries were made on my credit report without my authorization or consent, which violates the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 3 ) ( A ).
XXXX. Erroneous Information : XXXX ( Account Number : XXXX ) : This account contains incorrect payment status, balance, comments, and payment history, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ).
XXXX ( Account Number : XXXX ) : These accounts have appeared on my credit report without any legitimate basis, in violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 1 ) ( A ).
The emotional toll this ordeal has taken on my life can not be overstated. I have been denied financing for essential needs, such as housing and transportation, due to the inaccurate information on my credit report. My family and I have endured countless sleepless nights, stress, and XXXX, wondering how we will secure a stable future with this shadow of uncertainty hanging over us.
This situation has affected my ability to provide for my family, and it has put my dreams of homeownership, higher education for my children, and a secure retirement in jeopardy. The emotional distress, humiliation, and financial turmoil I have experienced are immeasurable.
In light of the violations outlined above and the profound impact this has had on my life, I kindly request the following : 1. Enforce Legal Action : I implore the Consumer Financial Protection Bureau to take all necessary actions to enforce the legal rights and protections that are afforded to consumers under the Fair Credit Reporting Act ( FCRA ), specifically the sections and subsets mentioned above. It is my hope that the appropriate penalties and remedies be imposed on the responsible parties to ensure they rectify these violations promptly.
2. Removal of Unverified Accounts : I request that the creditors promptly investigate and verify the legitimacy of the accounts mentioned earlier. If these accounts can not be verified as mine, I urge that they be removed from my credit report without delay to restore my creditworthiness.
I humbly request the CFPB 's intervention and support in this matter, as I believe it is the duty of consumer protection agencies to safeguard the rights and well-being of individuals like myself who have been unjustly affected by these violations.
Thank you for your attention to this matter, and I look forward to a resolution that will allow me to regain control of my financial future and provide a stable and secure life for my family.
Sincerely, XXXX XXXX
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| 05/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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XX/XX/XXXX -- -- -- XXXX ) XXXX stated Court items were UNVERIFIABLE and removed the unverifiable public record Court items from my XXXX report on or prior to XX/XX/XXXX per their Case Number:XXXX ( Total Pages 4 of 18 ) Page 2. ( *See Attachment ) -- -- -- XXXX ) XXXX stated during the same investigation period that Public Record Bankruptcy COURT items were accurate, therefore Verifiable with PACER as the Source in lieu of the Actual Bankruptcy COURT reporting as the Source with the major Credit Bureaus per their Case Number XXXX ( Total Pages 1 of 16 ) Page 1 ( See Attachment ) -- -- XXXX ) XXXX again received my dispute on XX/XX/XXXX regarding a Court item and per their letter dated XX/XX/XXXX, this COURT item reporting was determined by XXXX as UNVERIFIABLE and stated this item had been removed per their Case Number : XXXX ( Total Pages 5 of 16 ) Page 1 ( See Attachment ). -- -- XXXX ) XXXX stated in their letter dated XX/XX/XXXX that COURT Property Records were accurate, therefore verified as accurate but listed the SOURCE of the COURT items/records as XXXX instead of the Actual COURT per their Case Number : XXXX ( Total Pages 1 of 16 ) Page 1 ; and failed to truthfully state these COURT items are NOT Verifiable and remove them as other COURT items previously disputed and removed. -- -- -- 5 ) I also disputed the SAME Public Record item with the ( 3 ) major credit bureaus, Transunion, XXXX XXXX and XXXX on or no more than ( 2 ) days after the XXXX Public Record dispute initiated on XXXX -- -- -6 ) I contacted Transunion credit bureau last week on XX/XX/XXXX to check the status of the Public Record Bankruptcy dispute directly with their company during XX/XX/XXXX and I was informed by the representative after being placed on a brief hold that Transunion completed their investigation on XX/XX/XXXX. I afterwards questioned the representative as to why I never received notification stating this. The representative stated that the " Creditor verified the information as accurate ''. Afterwards I requested that she identify the " Creditor '' who did such and she responded that the " COURT '' as listed on my credit report. -- -- -7 ) I phoned XXXX today ( XX/XX/XXXX ) to check the status of the Public Record Bankruptcy dispute phoned in also in XX/XX/XXXX ( XXXX or XXXX ) and the representative informed me after an extensive search of her records that there was no record of my Public Record Bankruptcy Dispute for XXXX XXXX -- -- 8 ) I phoned XXXX today ( XX/XX/XXXX ) to check the status of the Public Record Bankruptcy XXXX phoned in on XX/XX/XXXX and was told by the representative that their investigation was complete on XX/XX/XXXX resulting in the following : Bankruptcy COURT information was certified as accurate with XXXX listed as the SOURCE. ( See Attachment 5 ) -- -- -9 ) I contacted XXXX today to check the status of my XX/XX/XXXX dispute of the Public Record Bankruptcy COURT item and was told the investigation is still ongoing and had to ask several times if the response meant that the investigation was Open or Closed/Completed. Her final response was that the investigation was still ongoing and Open. I then asked the XXXX representative how could the major credit bureaus that use XXXX as a 3rd Party Furnisher close their disputes prior to XXXX closure seeing that they all were disputed as the SAME time. -- -- -Upon my investigation of this matter by way of contacting each major Credit Bureau on a status as well as XXXX, it was found that both Transunion and XXXX " Pretended '' to have submitted my Public Record Court Bankruptcy dispute after I dictated very detailed verbiage to these representatives while on the phone ; but XXXX and Transunion either did not submit the dispute at all or internally deleted my dispute soon after it was taken as I did not receive any Investigation Results from these reporting agencies; or there was an illegal collaboration between the companies to disregard my dispute. Although Transunion may or may not use XXXX as its current 3rd Party Furnisher, Transunion 's 3rd Party Furnisher also can not Verify ANY Original COURT records/items as they too state as the Reporting Source in their consumer reports. -- -- 10 ) XXXX and similar 3rd Party Public Record Furnishers are illegally, fraudulently and by Bad Faith continue to use deceptive business practices to mislead consumers by utilizing " loop hole verbiage '' within their investigation results in order to retain 'Certain COURT ' items ( to include Bankruptcy Court Records ). One example of the 'loop hole strategy ' is to state a COURT item is " reported as accurate '' but not stating that the COURT items being disputed were actually " both verified and accurate ''. XXXX fails to include verbiage both " verified and accurate '' primarily due to the FACT XXXX or any 3rd Party Furnisher can not approach, request, or receive any Response from any 'Original COURT Furnisher ' whether it be a County, District , or Federal COURT, as NO COURT reports to Any credit reporting agency and I have obtained and previously submitted my letter to the CFPB, XXXX XXXX and the ( 3 ) major Credit Bureaus from the Federal COURT stating such. -- -- - ( Summary ) -- - Finally, the major credit bureaus Transunion, XXXX, and XXXX all declare PACER illegally as their SOURCE of Bankruptcy COURT records within the results of an investigation by displaying the information was provided from their 3rd Party Furnisher or by naming the COURT in the results of the investigation but actually relying on PACER electronic computer records and providing a toll free number for PACER. I have called this PACER toll free number and told by the PACER customer service representative that callers are not provided any COURT Records information but only guided how to set up a Public Record account with PACER or only receive Technical Assistance with the PACER electronic database issues ; therefor PACER is NOT an Original Source for COURT records. -- -- -I am requesting an immediate Deletion of any and All COURT items reporting in my files and also requesting deletion of reported Data NOT Certifiably ( Metro2 ) Compliant and Proven Valid and PHYSICALLY Verified. I also now invoke my Consumer Rights to demand that ONLY Factually Perfect True Correct Verified Validated claims that are Certified Compliantly Reported be reported. I also demand in this request that you investigate the Source of these accounts and ascertain that the CREDITOR had a permissible purpose for even the account inquiries of which to potentially initiate said alleged accounts, be true or not, valid or not, obviously at a bare minimum any alleged reporting date furnisher would be necessarily required to at least be able to VERIFY my complete file information exactly as I have indicated and No other way whatsoever or Immediately Delete and Remove the items referenced.
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| 08/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Back in XXXX I lost my personal information at a hotel when I was visiting, which I thought I may have misplaced and/or left at home. Now in XXXX I've noticed a lot of Hard inquires, Negative and positive accounts reporting to my credit report which has never been authorized by me. Im just now starting to learn about credit so I can buy assets to pass them down to generations. I informed all the credit bureaus and they did absolutely nothing to help me because they didn't even do a proper investigation. The credit reporting agency 's verified account by my name, dob and address and reading and understanding the " FCRA '' that is not an proper investigation and no witnesses, neighbors, friends, family, etc. were apart of that investigation. I'm currently on XXXX because the amount of stress I've been under because of the credit Bureaus who are not willing to do their job as promised. I'm tired and Im at the point i'm hiring legal counsel to bring a suit against Transition, XXXX and XXXX. Especially considering XXXX had a data breach and they are not doing anything in their power to help me settle this matter in peace. I feel like i'm being XXXX because of my XXXX. Im currently XXXX with my kids and if I this matter don't get solved within 30 days i'm going to seek legal counsel and hold all parties accountable. Listed below is the accounts unauthorized : XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXXXXXXXX**** Account Type : Installment Installment Account Type - Detail : Auto Loan Auto Loan Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$400.00} {$400.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$25000.00} {$25000.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$25000.00} {$25000.00} Credit Limit : {$0.00} {$0.00} Past Due : {$1500.00} {$1500.00} Payment Status : Late 120 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - Auto Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Open Open Monthly Payment : {$190.00} {$190.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$4400.00} {$4400.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$4900.00} {$4900.00} Credit Limit : {$0.00} {$0.00} Past Due : {$450.00} {$450.00} Payment Status : Late 90 Days Late 90 Days Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : - - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - Bureau Code : Individual Individual Individual Account Status : Closed Closed Open Monthly Payment : {$51.00} {$51.00} {$110.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$660.00} {$660.00} {$610.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$660.00} {$660.00} {$0.00} Credit Limit : {$500.00} {$500.00} {$500.00} Past Due : {$160.00} {$160.00} {$110.00} Payment Status : Late 90 Days Late 90 Days Late 60 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Customer disputed account - reported by subscriber.
Consumer disputes this account information Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan - Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$15.00} {$15.00} {$15.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$890.00} {$890.00} {$930.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1000.00} {$1000.00} {$1000.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Fixed rate Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$21.00} {$21.00} {$21.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1000.00} {$1000.00} {$1000.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1400.00} {$1400.00} {$0.00} Credit Limit : {$1000.00} {$1000.00} {$1000.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Installment Installment Installment Account Type - Detail : Secured loan Secured loan Secured loan Bureau Code : Individual Individual Individual Account Status : Closed Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$530.00} {$530.00} {$530.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Closed - Closed or paid account/zero balance Secured Date Last Active : XX/XX/XXXX XX/XX/XXXX - Date of Last Payment : XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Secured credit card Credit line secured - Bureau Code : Individual Individual Individual Account Status : Paid Paid Paid Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$120.00} {$160.00} {$450.00} Credit Limit : {$450.00} {$450.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Account closed by consumer Credit line closed - consumer request - reported by subscriber.
Account closed at consumer 's request Closed or paid account/zero balance Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
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| 05/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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|
Web |
Servicemember |
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Transunion is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681i Quick search by citation : Title enter title Section section 15 U.S. Code 1681i - Procedure in case of disputed accuracy U.S. Code Notes prev | next ( a ) Reinvestigations of disputed information ( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.
( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
( 3 ) Determination that dispute is frivolous or irrelevant ( A ) In general Notwithstanding paragraph ( 1 ), a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.
( B ) Notice of determination Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.
( C ) Contents of notice A notice under subparagraph ( B ) shall include ( i ) the reasons for the determination under subparagraph ( A ) ; and ( ii ) identification of any information required to investigate the disputed information, which may consist of a standardized form describing the general nature of such information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
/ It has been explained over, and over again to TransUnion re-insertions are a violation of the FCRA/ TransUnion had deleted XXXX XXXX XXXX XXXX now XXXX XXXX XXXX has re-inserted themselves back on to my credir report for money not owed to them, This re-insertion was performed without notifying the consumer, TransUnion has an ongoing issue with re-inserting tax liens, credit card companies that are reporting surcharges on my credit that are in violation of the California Law on illegal surcharges, which makes all surcharges illegal, Which I am requesting, TransUnion has in the past, and continues to re-insert deleted items.onnmy credit file without notifying the consumer by mail, phone call, or email, TransUnion is required to delete these items immediately because it falls under the guidelines of illegal re-insertions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) RECENTLY DELETED, AND RE-INSERTED WITHOUT NOTICE TO CONSUMER THESE ARE ALL VIOLATIONS.
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| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, F- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX- This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXXXXXX XXXX, WA XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, OR XXXX - This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX - This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX -This name belongs to someone else. Delete it from my report immediately.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXXXXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX XXXX XXXX Account Number : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 04/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I found out a few accounts and inquiries which I have never had before and never applied. I am requesting to remove all of them from my credit report because personal information was stolen and used. Enclosed are the police reports, my DL and SSN. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( XXXX ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation.
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| 03/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I found out a few accounts and inquiries which I have never had before and never applied. I am requesting to remove all of them from my credit report because personal information was stolen and used. Enclosed are the police reports, my DL and SSN. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Company 's Response After careful review, we have determined your complaint includes a dispute of information appearing on your credit report ; therefore, we have forwarded your complaint to our consumer relations center for processing. Consumer Relations will enter your dispute into our system and review all information and any additional documentation you provide to determine next steps. We may also need to contact the data furnisher to verify the current status of the account. If the item has been disputed previously and verified as accurate, we will review any new information you are able to supply to determine whether we can take action. Within 30 days, we will close out your dispute and advise you of the results in writing. If after the completion of our investigation you have questions regarding the results, we encourage you to contact the creditor ( s ) directly. The business name, address, and, if available, telephone number of the source ( s ) of information contacted in connection with your dispute can be found in the Investigation Results document sent at the conclusion of your investigation.
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| 05/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I know my rights very well. The accounts that are being disputed, do not belong to me. The below is my sworn statement concerning these credit issues. Further, I certify that I am qualified and authorized to file this dispute. I checked my personal credit report, which I acquired from Credit Bureaus on XX/XX/2023 and I noticed an unauthorized credit lines had been made and posted on my report. I'm representing myself by myself and I do not involve any third party for this matter. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. Therefore, I have come to you to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. Policy states According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. The text of the FCRA is available at the website of the Consumer Financial Protection Bureau ( CFPB ) : www.consumerfinance.gov/learnmore. A list of tile sections of tile FCRA cross-referenced to the .U.S Code is at the end of this document. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove this account immediately.
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| 11/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have disputed the inaccurate reportings with TransUnion, XXXX, and XXXX several times to no avail. The following names are incorrect and do not belong to me XXXX XXXX XXXX, XXXX, XXXX, XXXX. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX The following employer is incorrect and does not belong to me XXXX XXXX I never paid the following accounts late, XXXX XXXX XXXX : TransUnion is reporting no late payments, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 90 days late for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX and XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late for XX/XX/XXXX, XX/XX/XXXX, 90 days late for XX/XX/XXXX, XX/XX/XXXX, 120 days late for XX/XX/XXXX, XXXX XXXX : TransUnion is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX. XXXX XXXX : TransUnion is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX : TransUnion is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX and XX/XX/XXXX, 60 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX and XX/XX/XXXX, 60 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, 60 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX : TransUnion is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and 60 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and 60 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and 60 days late for XX/XX/XXXX, XXXX : TransUnion is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, 60 days late for XXXX through XX/XX/XXXX, XXXX is not reporting any late payments, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, 60 days late for XXXX through XX/XX/XXXX, XXXX XXXX : TransUnion is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX : TransUnion is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, 60 days late for XX/XX/XXXX, XXXX XXXX : TransUnion is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX and XX/XX/XXXX, XXXX : TransUnion is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting a late payment of 30 days late for XX/XX/XXXX, XXXX XXXX : TransUnion is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, 60 days late for XX/XX/XXXX, 90 days late for XX/XX/XXXX days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, 60 days late for XX/XX/XXXX, 90 days late for XX/XX/XXXX, 120 days late for XX/XX/XXXX, XXXX is reporting a payment status of Current but also reporting late payments of 30 days late for XX/XX/XXXX, 60 days late for XX/XX/XXXX, 90 days late for XX/XX/XXXX, 120 days late for XX/XX/XXXX, XXXX : TransUnion is not reporting any late payments, XXXX is reporting a payments status of Current but also reporting a late payment for XX/XX/XXXX, XXXX is reporting a payments status of Current but also reporting a late payment for XX/XX/XXXX, XXXX : TransUnion and XXXX is not reporting any late payments, XXXX is reporting a payment status of Late 30 days but is not reporting that dates the account was 30 days late, XXXX XXXX : TransUnion is reporting a payment status of Late 30 Days but is not providing the dates the account was paid 30 days late, XXXX is reporting a payment status of Unknown and also reporting a 30 day late payment for XX/XX/XXXX, XXXX is reporting a payment status of Late 30 Days and reporting a payment of 30 days late for XX/XX/XXXX. The following accounts do not belong to me and should be removed from my credit file, XXXX XXXX XXXX : Account Number : XXXX **** TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX, XXXX is not reporting this account, XXXX XXXX : Account Number XXXX TransUnion is not reporting this account, XXXX is reporting an opened date of XX/XX/XXXX, XXXX is not reporting this account. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX and XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.
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| 03/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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i, XXXX XXXX XXXX made a payment " Tender Of Payment with coupon on multiple occasions to XXXX XXXX. They credit my XXXX XXXX Account in full for the amount tendered on XX/XX/XXXX but then on XX/XX/XXXX, i received an email stated that they had reversed the payment due to fraudulent activity or a suspicious payment tender money order coupon which is one in the same.
Therefore the amount tendered should be discharged at this point and time showing on my account paid in full XXXX balance.
I submitted the payment as directed by XXXX employees. They said that the payment could be in a money order coupon or check. So when i called to speak to someone concerning the reversal payment they said that the payment was suspect and fraudulent. They customer service representative went on to say that i could be in a lot of trouble if i did not make a payment from my personal banking account or debit card. Now i have two accounts but i am only dealing with card ending in XXXX. My reason is because i have spoken to the alleged office of the CEO when it was not the office of the CEO but the office of the President or Vice President, when i demanded to speak with the CEO and or controllers of said Bank. They routed me to three different people claiming that they spoke with me, when this is false. I had only spoken to one person from the Office of Obudsman on XX/XX/XXXX.
When i attempted to speak with that person on XX/XX/XXXX she said that she could not speak with me but was calling to speak with my wife whom has a different account same bank but different card and card number. She went on to tell me that the payment type was not a legal form of payment that accept. I then asked her about the law of XXXX, XXXX, great need of economy. ( This is in direct reference to the XX/XX/XXXX act and presidential proclamation 2039, where a NATIONAL ECONOMIC BANKING EMERGENCY was declared, facilitating the serious emergency that Congress has stated is still extant )? She stated she didn't know about that type of payment and it looks criminal.
I then asked her if she new that her company XXXX Bank filed a 8-K form with the SEC. She said we file all necessary documents with all government agencies. I then said well if you do then you would know about the Act of 1933 and 1934. She then giggled and said well no matter what we don't accept the payment type you submitted. I then asked so it was not a illegal payment and if you decline said payment type you must discharge the debt, she then giggled and said we will not discharge the debt either. I also asked her if XXXX does business with the Federal Reserve Bank and or the US Treasury, she said no! we don't go and collect payments from the Federal Reserve Bank nor from the US Treasury.
I was shocked for the law states that " The ownership of all property is in the state by virtue of the government " Under thenew law government obligations, bills of exchange, drafts, notes, trade acceptances, and bankers acceptances, because it is backed by the credit of the nation.It will represent a mortgage on all the homes, and other property of all the people of the nation. '' Senate Document No. 43, 73rd Congress, 1st Session, Congressional Record, XX/XX/XXXX on HR 1491 p. 83.
The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federalreserve banksand for all, and other public dues. They shall be redeemed at the Treasury Department of the United States, in the city of Washington, District of Columbia, or at any FederalReserve bank. 12 U.S. Code 411 - Issuance to reserve banks ; nature of obligation ; redemption - ( XXXX XXXX, XXXX, ch. 6, 16 ( par. ) ,38 Stat. 265 ; Jan. 30, 1934, ch. 6, 2 ( b ) ( 1 ) ,48 Stat. 337 ; XXXX XXXX, XXXX, ch. 614, title II, 203 ( a ) ,49 Stat. 704. ) I also feel that they have stated falsely that i have somehow committed a crime by making this payment of this type. The phone call was recorded on XX/XX/XXXX XXXX approximately which was a Tuesday evening, all phone calls are recorded. I also called bank on XX/XX/XXXX which was a Saturday evening after receiving more emails and calls saying my payment was fraudulent. I explained that the payment format was not fraudulent but lawful and rule of law, i attempted to explain the act of XXXX but they hung up on me during the call. I called back and got the same answers of my payment was fraud when i again tried to explain the act of XXXX they hung up again. I called back a third time and this time a female said she would notate my account, she then placed me on hold and got a supervisor. She said that i must send the corrected format she told me was acceptable as tender of payment. So i did but when i called in to see if they had received payment they said no, it must be lost so they filed a complaint for lost or missing payment.
I called back on XX/XX/XXXX and spoke with a supervisor and a manager and they explained to me the proper format of payment to tender and notated my account that they tender of payment was being mailed that day. Since this day they claimed to not have received my payments but the office of Obudsman claims they received it but won't accept the payment or The Tendered Payment.
I feel like this is harassment, she seemed to be taunting me and my family when i have a Infant trust credited account.
When the United States, with constitutional authority, makes contracts, it has rights and incurs responsibilities similar to those of individuals who are parties to such instruments. There is no difference, said the Court in United States v. XXXX XXXX XXXX, 15 Pet. 977, 392, except that the United States can not be sued without its consent. See, also, The XXXX Acceptances ( XXXX v. United States ) 7 Wall. 666, 675 ; XXXX v. United States, 91 US 389, 396. In XXXX v. United States, 292 US 571, 580, with respect to an attempted abrogation by the Act of XX/XX/XXXX ( 48 Stat. at L. 8, 11, chap. 3, U.S.C. title 38, section 701 ) contracts of the United States, the Court quoted with approval the statement in the Sinking Fund Cases, 99 US 70, supra, and said : " Punctilious fulfillment of contractual obligations is essential to the maintenance of the credit of public as well as private debtors. No doubt there was in XXXX, XXXX, great need of economy. ( This is in direct reference to the XX/XX/XXXX act and presidential proclamation 2039, where a NATIONAL ECONOMIC BANKING EMERGENCY was declared, facilitating the serious emergency that Congress has stated is still extant )?
Keep in mind that XXXX has already credited my account over eight months ago for over charging me for a scheme whereas a button on line was preselected without my knowledge or consent charging me for insurance up to {$1200.00} which was refunded.
Therefore i am requesting mediation and or arbitration ;
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| 08/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I would like to point out the inaccuracies that are being placed on my report. There are accounts listed that do not line up with reporting from other reporting agencies. Which means this report needs to be reviewed and verified. Also, all inquiries on this report should be removed under 15 USC 1681 Permissible Purposes. Every account listed below has either been Closed or Charged off or even sold to a third-party creditor. All closed/charged off/sold accounts are therefore cancelled and a cancellation of debt ( 1099C ) has been filed for all listed accounts. They are now considered income and should not be listed on my report. Also 15 USC 1692e False or Misleading Representation. In the section listed below are posing to act on behalf of the company when in reality they brought a debt that had already been filed as a cancellation of debt. Which means all accounts Listed under Accounts turned over to a third-party creditor is incorrect when the debt has already been discharged through a cancellation of debt.
There is a record of financial transaction history listed for all Open accounts on my report and their status changed to should be Paid As Agreed 26 CFR 1.1232-1 1.1232-1 Bonds and other evidences of indebtedness ; scope of section.
( a ) In general. Section 1232 applies to any bond, debenture, note, or certificate or other evidence of indebtedness ( referred to in this section and 1.12323 and 1.12323A as an obligation ) which is a capital asset in the hands of the taxpayer, and which is issued by any corporation, or by any government or political subdivision thereof. In general, section 1232 ( a ) ( 1 ) provides that the retirement of an obligation, other than certain obligations issued before XX/XX/XXXX, is considered to be an exchange and, therefore, is usually subject to capital gain or loss treatment. In general, section 1232 ( a ) ( 2 ) ( B ) provides that in the case of a gain realized on the sale or exchange of certain obligations issued at a discount after XX/XX/XXXX, which are either corporate bonds issued on or before XX/XX/XXXX, or government bonds, the amount of gain equal to such discount or, under certain circumstances, the amount of gain equal to a specified portion of such discount, constitutes ordinary income. In the case of certain corporate obligations issued after XX/XX/XXXX, in general, section 1232 ( a ) ( 3 ) provides for the inclusion as interest in gross income of a ratable portion of original issue discount for each taxable year over the life of the obligation, section 1232 ( a ) ( 3 ) ( E ) provides for an increase in basis equal to the original issue discount included in gross income, and section 1232 ( a ) ( 2 ) ( A ) provides that any gain realized on such an obligation held more than 1 year ( 6 months for taxable years beginning before XXXX ; 9 months for taxable years beginning in XXXX ) shall be considered gain from the sale or exchange of a capital asset held more than 1 year ( 6 months for taxable years beginning before XXXX ; 9 months for taxable years beginning in XXXX ). For the requirements for reporting original issue discount on certain obligations issued after XX/XX/XXXX, see section 6049 ( a ) and the regulations thereunder. Section 1232 ( c ) treats as ordinary income a portion of any gain realized upon the disposition of coupon obligations which were acquired after XX/XX/XXXX, and before XX/XX/XXXX, without all coupons maturing more than 12 months after purchase attached, and coupon obligations which were acquired after XX/XX/XXXX, without all coupons maturing after the date of purchase attached.
( b ) Requirement that obligations be capital assets. In order for section 1232 to be applicable, an obligation must be a capital asset in the hands of the taxpayer. See section 1221 and the regulations thereunder. Obligations held by a dealer in securities ( except as provided in section 1236 ) or obligations arising from the sale of inventory or personal services by the holder are not capital assets. However, obligations held by a financial institution, as defined in section 582 ( c ) ( relating to treatment of losses and gains on bonds of certain financial institutions ) for investment and not primarily for sale to customers in the ordinary course of the financial institution 's trade or business, are capital assets. Thus, with respect ot obligations held as capital assets by such a financial institution which are corporate obligations to which section 1232 ( a ) ( 3 ) applies, there is ratable inclusion of original issue discount as interest in gross income under paragraph ( a ) of 1.12323A, and gain on a sale or exchange ( including retirement ) may be subject to ordinary income treatment under section 582 ( c ) and paragraph ( a ) ( 1 ) of 1.12323.
( c ) Face-amount certificates ( 1 ) In general. For purposes of section 1232, this section and 1.12323 and 1.12323A, the term other evidence of indebtedness includes face amount certificates as defined in section 2 ( a ) ( 15 ) and 4 of the Investment Company Act of XXXX ( 15 U.S.C. 80a2 and 80a4 ).
( XXXX ) Amounts received in taxable years beginning prior to XX/XX/XXXX. Amounts received in taxable years beginning prior to XX/XX/XXXX under face amount certificates which were issued after XX/XX/XXXX, are subject to the limitation on tax under section 72 ( e ) ( 3 ). See paragraph ( g ) of XXXX ( relating to limit on tax attributable to receipt of a lump sum received as an annuity payment ). However, section 72 ( e ) ( 3 ) does not apply to any such amounts received in taxable years beginning after XX/XX/XXXX.
( XXXX ) Certificates issued after XX/XX/XXXX. In the case of a face-amount certificate issued after XX/XX/XXXX ( other than such a certificate issued pursuant to a written commitment which was binding on such date and at all times thereafter ), the provisions of section 1232 ( a ) ( 3 ) ( relating to the ratable inclusion of original issue discount in gross income ) shall apply. See section 12323A ( f ). For treatment of any increase in basis under section 1232 ( a ) ( 3 ) ( A ) as consideration paid for purposes of computing the investment in the contract under section 72, see 1.726 ( c ) ( 4 ).
( d ) Certain deposits in financial institutions. For purposes of section 1232, this section and 1.12323 and 1.12323A, the term other evidence of indebtedness includes certificates of deposit, time deposits, bonus plans, and other deposit arrangements with banks, domestic building and loan associations, and similar financial institutions. For application of section 1232 to such deposits, see paragraph ( e ) of 1.12323A. However, section 1232, this section, and 1.12322 through 1.12324 shall not apply to such deposits made prior to XX/XX/XXXX. For treatment of renewable certificates of deposit, see paragraph ( e ) ( 4 ) of 1.12323A.
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| 08/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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Dispute/Complaint Summary : XXXX XXXX reports that I did not pay them on time and that I am many months delinquent. I did pay them on time, but for almost five years, during our Chapter XXXX bankruptcy in which this mortgage was excluded, XXXX failed to send me statements and to tell me the payment amount due had gone up. They did send me some late and inspection fee notices but when I questioned them they said nothing could be done until the bankruptcy was discharged. I have asked XXXX to remove the late payment reporting from our credit reports and to waive the fees because they did not properly communicate with us. They declined.
Detailed Narrative : Re : XXXX failures to communicate payment changes and to remove late payment reporting to the credit bureaus.
At best, XXXX has shown incompetence and willful disregard for fairness and accuracy in its communications ; at worst it is guilty of criminal malfeasance and intent to defraud in the servicing of our mortgage payments, communications, and reporting to credit bureaus.
We are attempting to get this rental property loan reinstated or refinanced, improper fees credited, and related erroneous late payment reporting removed from our credit reports, so that my wife and I can get a mortgage and move to a single level home as soon as possible, hopefully before we can no longer get up and down stairs. In response to my written request, on XX/XX/XXXX, XXXX wrote we decline to remove or change any late payment information reported to the credit reporting agencies, as we are required to report the loan accurately. We have reviewed the late payment reporting, and found it to be accurate.
The late payments accumulated unbeknownst to us during the five years of our Chapter XXXX bankruptcy, filed in XX/XX/XXXX and discharged in XX/XX/XXXX. This mortgage was excluded from the bankruptcy plan by our attorney because he said we should let the house go into foreclosure or sell it ourselves, because it was unexpectedly vacant. Following his advice, we did not make the four payments from XX/XX/XXXX through XX/XX/XXXX. Then we found new tenants and decided to try to keep it as an important part of our retirement plan. XXXX offered us a Modified Mortgage and we made the Trial Period Plan payments starting in XX/XX/XXXX in the amount of {$1400.00}. We sent the signed Loan Modification Agreement paperwork to XXXX in XX/XX/XXXX. On XX/XX/XXXX I made the new trial period payment of {$1400.00}. Then I made the additional required trial period payments, and have made the same payments every month since then until XXXX of this year when I made the new escrow adjusted payment of {$1600.00}. Then XXXX returned our XXXX payment and told us the mortgage was in default and headed for a foreclosure sale. They offered us a new Loan Modification with Trial Period Payments of {$1500.00} which we made on XX/XX/XXXX and XX/XX/XXXX. Instead of committing to a modified 40 year loan we prefer to reinstate the original 30 year loan or refinance at a lower interest rate for 20 or 30 years.
On XX/XX/XXXX our attorney faxed and mailed to XXXX a letter authorizing and requesting XXXX to send statements and other correspondence concerning our account directly to us. XXXX did correspond directly with us in setting up the trial period payments and the LMA, but did not send to us subsequent statements and modifications to the escrow account. In a letter dated XX/XX/XXXX XXXX admitted that it failed in error to implement the XX/XX/XXXX Loan Modification Agreement.
During the five years XXXX did periodically notify us of late fees, inspection fees, and attorney fees, with the statement : If you are in a bankruptcy proceeding you will not need to pay these assessments When I repeatedly called about these I was told that because we were in bankruptcy there wasnt anything we could do to make them stop, and that the fees would be taken care of after the bankruptcy was discharged. They didnt tell me that the payments I was making were not enough to be current and that the LMA had not been implemented, until I recently called about the foreclosure notice. XXXX claimed they could not send us statements because we were in bankruptcy : That is not true because XXXX sent us statements for the other loan they service for us. Also, XXXX XXXX XXXX XXXX did a loan modification agreement with us on our primary residence early in the bankruptcy with no issues, and they send us regular statements. I dont believe XXXX reported late payments to the credit agencies until a few months ago, in XXXX or XXXX, and then they reported that I was 120+ days late, even though by then, according to their suspense calculations and all the fees, I was 9 or 10 months late.
This loan was excluded in the very beginning from protection under the original bankruptcy plan. XXXX applied for and was granted relief in XX/XX/XXXX, and from their XX/XX/XXXX letter : we removed this bankruptcy from our system on XX/XX/XXXX. Even after these events, XXXX did not send me statements and escrow analyses. They did not help me to understand what happened and didnt happen, and the options of what I could do to get on their track, until recently, while they simultaneously began reporting late payments even though I was still making what I thought were the correct payments on time every month. Earlier this year they sent me their Contractual Payment History and Customer Account Activity Statement, but they are confusing and difficult or impossible to understand even by their customer service reps, and possibly full of incorrect entries. I dont trust the accuracy of their Total Amount Due to reinstate the loan.
My online search of the Fannie Mae servicing guidelines indicates that XXXX did not follow the specific requirements for outbound contact attempts ( Part D, subpart 2, chapter 2 ( D2-2-02 ) ). If they had, I would have known about the delinquency within a month or two, back in XXXX, I would have made the revised payments, and none of this would have happened.
My experience with XXXX, and my Consumer Financial Protection Bureau ( CFPB ) research indicates there are many more XXXX customers with similar experience, points to reactive rather than proactive customer service. When required monthly payments increase but the customer continues to make the same payments as before the increase, the system should flag someone to ask why. If the answer is that XXXX failed to notify the customer, then corrective measures should be taken.
We have applied for financing for a new home but we were told they wont deal with us until the XXXX lates are removed from our credit reports. What is our recourse? Can XXXX be motivated or required to remove the late payment reporting from our credit reports and to waive the fees because they did not properly communicate with us?
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| 08/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Notice to whom it be of concern,It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the "would be plaintiffs", yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance (such as perfect metro 2 format reporting) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates ,balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses , the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of it’s collection attempts and or it’s reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued (particularly for collection) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim(s) to include but not limited to the FCBA, FCRA,HIPAA PRIVACY RULE, FACTA,FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection repositories, I am hesitating to readily accept what is presented without testimonial and certified physically verifiable document evidence of claim as being legitimate. I deny nothing, yet I reserve the right to question any unproven claim. I do NOT accept the statement of claim of the plaintiff and I call for the court to reject their claim as untrue, unverified, incomplete, not compliant or otherwise invalid and thereby reject-able and dischargeable which requirement to be dismissed in full. I demand said court resolution today, even here and now in full accords of regulatory statutes, mentioned by me or not.1) To date, I have received no knowledge of ever entering into any contractual relationship with the to-be plaintiff(s) {should I forward into a civil complaint} or with the entity(ies) that allegedly issued against me the defaulted line of credit(s) or accusations similar. This despite repeated calls to the accusers to demonstrate the requisite presented physically verifiable document proof of adequately acquired permissible purpose from the exactly and only individual irrefutably identified as being me. I have no acknowledgement of a relationship with the parties mentioned, in any form. 2) I have no knowledge of ever knowingly acknowledging (or even unknowingly doing so) that I owe any proven and compliantly reported debt, much less the claim of unproven debt alleged in this written declaration CHECKING for not only VALIDITY of CLAIMS but also DOCUMENT PROOF IN CERTIFIABLE TESTIMONY as to the factual and complete COMPLIANCE to all standards and laws, even the mandatory Metro 2 Format Compliance. Its obvious that the allegations filed by the accusers (or to-be plaintiff) are in clear subterfuge of act, be it in willful disregard of ethical practices or be it done so in ignorance of requisite ethical and regulatory compliant behavior during their accusations, collection efforts and credit reporting of claims. The vile nature of their derelict is unjustly injurious and unlawful no doubt. I again call for a dismissal of to-be plaintiff’s statement of claim(s) and discharge of misreported delinquencies and derogatory behavior that the accuser’s complaint is undeniably unfairly lodged versus me. 3) I have no knowledge of ever receiving any proven or document facts in statement of account or account aspects for these items of alleged debt and delinquent actions. Again, I reiterate I have called on the accusers to present to be document certifiably true, correct, complete, and adequately compliant documentation in full validation of claims, rights to collect alleged claims, and rights to report alleged claims. Let it be true that COMPLIANCE of regulatory requisites is MANDATORY not OPTIONAL. Plaintiff’s claims are mute of legal standing in full accordance of law and must be dismissed.4) I have no knowledge of ever entering into a open account with to-be Plaintiff(s) or with the entity(ies) that allegedly issued me the defaulted line of credit(s) or derogatory claims of credit.5) FACT IS, no claim above has even submitted adequate compliant proof of the genesis of any consumer/creditor relationship and their inability to prove application, permissible purpose for said alleged application, consumer/creditor agreement in contract describing a relationship related to alleged claim of account and or debt(s), and or otherwise derelict documentation of claim(s) inherently makes invalid the to-be Plaintiff’s whole statement of claim in this summons or complaint. I request court to resolve adequately and compliantly as required with the immediate eradication of complaint charge(s) and rectification of any injurious collection or reporting practices. Again, COMPLIANCE of APPROPRIATE COLLECTION PRACTICES and equally COMPLIANCE of APPROPRIATE and COMPLETE REPORTING PRACTICES is MANDATORY, NOT OPTIONAL.
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| 09/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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With a broken heart I am pleading with the Consumer Financial Protection Bureau to PELASE help me investigate XXXX XXXX/ XXXXs and XXXX . I have suffered lies, verbal aggression and financial hardships because of the way my account was mishandled by XXXX/XXXX XXXX/XXXX.
Earlier this year XXXX failed to send me statements to physical mailbox at XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX on many occasions. They claim that I signed up for paperless statements but I NEVER did! That option was never selected by me. My husband and I signed up for auto-pay and that was it. Many months before this we went through XXXX and back dealing with customer service representatives and tech support in various other countries who were trying to fix the mixed profiles on my account and they could not. A few months after in XX/XX/XXXX they claimed it was fixed and the two inactive accounts would not show up on my profile but they did, and my husband and I were unable to link our accounts over and over again. I called XXXX and let them know that I have auto-pay set up but I was NOT able to see my statements at the top of the credit card section because of past linked cards so I wanted to make sure I received statements in the mail. After not receiving XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX I was charged astronomical late fees that over drew my auto-pay and because they failed to mail me statements the late went unnoticed until almost 3 months later. I finally got a call about it being overdue around XX/XX/XXXX-XX/XX/XXXX.
I called right away and paid the balance and spoke to 2 representatives ( XXXX and XXXX ) who reversed ALLLL of the fees and assured me that the late that had shown up on my credit report would be reversed as well and that it was definitely going to be done and all I had to do was call Monday to the east coast at ( XXXX ) XXXX-XXXX ( this was the number XXXX # XXXX and XXXX gave me ) and inform them that the late was not my fault and that along with the reversed fees I should also have my credit report corrected. When I called the following week I spoke to the most aggressive, condescending, sarcastic and hurtful representative who would not let not me speak and pretty much raised her voice at me and made me cry! She refused to do anything, and after I asked her to please check what the last representative had noted about correcting my credit report she claimed that nothing was noted. The original representative said she would SEND me a letter confirming that the late would be removed and that she would put a note on the account that the unseen statements were not my fault and that it should be corrected just in case i had further problems like last year. XXXX ( # XXXX ) was the representatives name that made me cry and she refused to let me finish speaking! She was so mean to me that my whole body was shaking in disbelief and my husband was very concerned for me at that moment.
My issues are that I never asked for paperless statements as they claimed. I ONLY set up auto-pay and told the representatives not to sed me paperless because I had 2 other credit cards appearing on my profile which showed {$0.00} balances ( one was closed and one was an authorized user ) because it was VERY confusing that I COULD NOT link only my NEW card!
I was told earlier this year and late last year that XXXX was going through a system update and the office systems and computers were changing and that I would probably have issues for a while and It has indeed been very unorganized at their offices and on their website!
I begged and pleaded with XXXX, XXXX # XXXX and XXXX # XXXX for a review of my phone calls and I was refused. I wanted them to hear for themselves what the two representatives had promised me and they refused ; claiming it was not their JOB/REQUIREMENT to let me hear that! What is the point of recording me if you can not use it to verify employees mistakes against customers? Are they only in the business of falsely incriminating customers?
XXXX returned allllll of the fees and interest that threw my account over the limit on my auto-pay. I was charged back to back insane fees and they were reversed. Therefore that LATE should not be reported. Why returns fees and interest ON THOSE fees and not correct a late if it was my fault? I told the representatives that I was only calling about the LATE on my credit report, not the fees. I never asked for fees to be reversed but when XXXX investigated this matter for me she assured me that I was not at fault and that the late would come off and as a result OBVIOUSLY the fees and interest would be returned to me as well. hence, so should the late on my report be corrected.
XXXX bombardes my email account withrewards statements, sales and ridiculous junk mail from their associates and this is very confusing and there is no way one could see important statement information when they are mailing me tons and tons of other things and backing up my email! I even unsubscribed many times from all rewards card information and still till this day they are sending them to me. The rewards card with XXXX sends emails with STATEMENT in the subject line, who would n't confuse this with credit card statements? PLUS, I never signed up for statements from my XXXX XXXX to go to my email, so I would never know to check there! This company is very amateur and unprofessional and they put customers at risk and then refuse to acknowledge their mistakes. I have been an employee at XXXX in XXXX XXXX and I can not believe that they are doing this to me. It is not fair, they lied to me. It is not my fault that they have representatives who are misinformed and tech-support agents that can not fix very common and simple issues!
The only solution they offered me was that their representatives would be coached. But that does not help me! I was WRONGED! I have lost over 100 points on XXXX for this late and my authorized user has lost a mortgage refinance because of their negligence. Their website if very confusing and there is no way I signed up for paperless statements. My husband informed me that the statements could not be seen and the account could not be linked because the old profile would not let me at the time so we moved it to auto-pay to be safe and requested mailed statements. That is that! Whatever happened in between that is not properly documents and I am being toyed with and it is unfair and all based on poor account management and note taking by representatives. My account has a credit of {$48.00} and yet I am still late for the month of XX/XX/XXXX. This is wrong, ridiculous and ironic!!! They refused to properly investigate this and that is a problem because when I called tech support and asked for statements I was speaking to people who barely spoke ENGLISH! I am not surprised my account was mishandled.
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| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern : I am officially challenging you to review your data on file for me! I am requesting that you remove any and all false accounts from our records immediately! I demand that ONLY factually accurate, verified, and compliant data be documented and included on my credit report from now on!
Below is a summary of the data in which I am challenging I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified.
Summary of Accounts being challenged in list form XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX XXXX - ( XXXX ) XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX US DEPT ED ( XXXX ) - ( XXXX ) XXXX US DEPT ED ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) - ( XXXX ) XXXX US DEPT ED ( XXXX ) XXXX ( XXXX ) XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2021 Summary of Accounts being challenged in list form DP OF EDUC ( XXXX ) XXXX ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX DP OF EDUC ( XXXX XXXX - ( XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - XXXX XXXX ) XXXX DP OF EDUC ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XXXX According to the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and the accepted STANDARD of metro 2 data field reporting, I have the right to dispute any information on my credit report that I believe is not correct. When it comes to my credit report, I reserve the right to dispute any information that I deem to be inaccurate. I won't stand for any misinformation being associated with my name and financial history. If there's something on my credit report that doesn't seem right, you can bet that I'll be taking action to get it removed.I can not recognize or accept the allegation of delinquency without factual proof. There must be some sort of evidence to back up the claim. Otherwise, I can not and will not recognize or accept the allegation. According to federal and state law, you must report any allegations with the greatest compliance and accuracy possible.You should not report any claims that you know or should know are not in compliance with regulations and the law. If you do report such claims, you could be subject to fines or other penalties. Furthermore, reporting claims that you know are not in compliance could damage the reputation of your company.I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the Metro 2 reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and it's permissible purpose.I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report.I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
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| 11/10/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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|
Web |
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XXXX XXXX responded to the CFPB on XXXX XX/XX/XXXX to CFPB complaint XXXX and XXXX. In one of the attachments she states : " When a private student loan comes out of forbearance the repayment schedule and billing statements are sent the day it enters in repayment. '' XXXX XXXX confirms that : " records show that your forbearance was approved and processed on XX/XX/XXXX good through XX/XX/XXXX, but since XX/XX/XXXX fell on a Friday the loan went into repayment the following business day which was XX/XX/XXXX. '' What her words establish is that the first billing statement has a generation date of XXXX XX/XX/XXXX. Furthermore, she confirms that the intended statement generation date was XXXX XX/XX/XXXX, but that the date fell on a non-business day and therefore was generated the next business day of XXXX XX/XX/XXXX. XXXX XXXX the claims that subsequent statements were generated on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Ms. XXXX XXXX asserts that the due dates fall approximately twenty ( 20 ) days after the statement date.
So let 's walk through this so that XXXX XXXX understands. Per her response to the aforementioned complaints, a statement generated on XXXX XXXX would have a due date of XXXX XX/XX/XXXX and be reported to the CRAs for the month of XX/XX/XXXX at the end of the month perXX/XX/XXXX batch reporting through XXXX. A statement generated on XXXX XXXX would have a due date of XXXX XX/XX/XXXX and be reported to the CRAs for the month of XX/XX/XXXX at the end of the month per XX/XX/XXXXbatch reporting through XXXX. A statement generated on XXXX XXXX would have a due date of XXXX XX/XX/XXXX and be reported to the CRAs for the month of XX/XX/XXXX at the end of the month per XXXX batch reporting through e-OSCAR.
If I discount the fact that the initial billing statement was generated XXXX XX/XX/XXXX with a due date of XXXX XX/XX/XXXX, and the next statement was generated XXXX XX/XX/XXXX with a due date of XXXX XXXX, and the pattern thereafter is allegedly consistent, then Ms. XXXX XXXX needs to find yet another semantic dance to explain WHY the CRAs are reporting payment history thru XX/XX/XXXX using the information XXXX has supplied, when the alleged due date for the statement XX/XX/XXXX would not be until XXXX XX/XX/XXXX. Furthermore, Ms. XXXX XXXX needs to explain why it is being reported as past-due by at least thirty ( 30 ) or more days, considering that not even the XX/XX/XXXX payment due would be a minimum of thirty ( 30 ) or more days late by the end of XX/XX/XXXX -- it would be three ( 3 ) days late.
If we now zoom out and look the statement generation in its entirety, it is clear that Ms. XXXX XXXX is attempting to cover up the mistakes of her firm. The first statement date establishes the date at which a statement must be generated for each subsequent statement thereafter. A statement generated on XXXX XX/XX/XXXX with a due date of XXXX XX/XX/XXXX establishes that the correct pattern would be a statement generated XXXX XX/XX/XXXX has a due date of XXXX XX/XX/XXXX. Yet, what XXXX XXXX did was send the next statement on XXXX XX/XX/XXXX with a due date of XXXX XX/XX/XXXX. There is no statement covering the XX/XX/XXXX period -- at all. Furthermore, XXXX XXXX reports payment history for both XX/XX/XXXX and XX/XX/XXXX as on-time.
Finally, Ms. XXXX XXXX 's desperation to explain the actions of her institution are quite clear in that she exclaims to me directly " you are not required to receive a billing statement to make a payment. '' That notion is patently false as 12 CFR Part 1026 - Truth in Lending ( Regulation Z ) requires lenders to provide periodic statements, and in particular " 1026.2 Definitions and rules of construction '' and establishes the rules under which a statement must be generated and delivered to a consumer. Furthermore, as someone that has worked for the United States Government in some capacity, I can assure Ms. XXXX XXXX that the contracts I entered into with the United States Government most certainly require that I receive timely, factually accurate statements generated by XX/XX/XXXX within what is permitted under Federal Law. For me to do otherwise would constitute potential national security issue and revocation of any security clearances I may have. Ultimately, it would do Ms. XXXX XXXX some good to understand that my finances are monitored by various portions of the Federal Government at any given time and that matters such as what Ms. XXXX XXXX is purporting, in addition to the way in which XXXX has reported to the CRAs could trigger an investigation for one of those agencies or bureaus, for example the FBI, XXXX, in which Ms. XXXX XXXX, and whomever she reports to would have to explain to the Federal Government why they thought their course of action or statements to the CFPB were valid. In such an instance, all I am required to do is to demonstrate my attempts to correct the behavior and inaccurate information, such as what I'm doing here.
The notion that payment on an alleged financial obligation is independent of timely and consistent right of notice under due process is demonstrably false per 12 CFR Part 1026. Ms. XXXX XXXX 's assertion that the very essence under which a contract is agreed into regarding disclosures and statements may be violated per the agreement, and pursuant to federal law is false. As a loan entering repayment AFTER the establishment of the CFPB, XXXX statement obligations as interpreted by the CFPB are in effect.
The fact is I entered into a good-faith agreement with the originator of my loan. That entity is most certainly NOT XXXX XXXX. XXXX XXXX has demonstrated a consistent pattern of illegal and unethical behavior. I for one will not tolerate being a party to such.
So, if Ms. XXXX XXXX continues to insist that I should pay on an alleged financial obligation every month without receiving a timely statement in compliance with the CFPB interpretation of 12 CFR Part 1026, I will be notifying the FBI and/or my security assurance officer and she and her institution can deal with whatever consequences should arise out of that.
Ultimately, Ms. XXXX XXXX needs to review the 12 CFR Part 1026 - Truth in Lending and the consent order issued by the CFPB around XXXX XX/XX/XXXX to understand how her behavior and her statements to the CFPB with regards to " investigations '' to my account brings extra scrutiny to her institution and could result in findings of further violations of Federal Law and violations of the consent decree issued against XXXX XXXX. XXXX XXXX needs to get its act together if it wants to clean up its image -- it could start by cleaning house within the very executive office Ms. XXXX XXXX is a part of.
A copy of CFPB 's interpretation of 12 CFR Part 1026 is attached as is a copy of the consent decree.
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| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
To Whom It May Concern, In the course of recently screening my personal Transunion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. Identity Theft XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
2. Identity Theft XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
XXXX. The inquiry was not authorized XXXXL Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
XXXX. Identity Theft XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and XXXX XXXX reporting guidelines set forth by the XXXX. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( XXXX ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( XXXX ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified XXXX XXXX compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
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My Name is XXXX XXXX, My complaint is that I am being discriminated by TransUnion. I question them why my score is so low as they keep pushing me down with the incorrect information that they claim to investigate but take the consumers word as GOLDEN, while basically calling you a liar as XXXX belittled me over the phone today and rushing me off the phone. I am a hard working American and when I contact Trans Union I get someone who talks down to me and will not listen to a word I say and does not know I am very well educated.
I have been down on my luck due to a bankruptcy in XXXX and I did not get it all cleaned up by my attorney and in XXXX I filed a XXXX XXXXXXXX. After a long discussion with my attorney we decided it was my best interest of my family to dismiss my XXXX XXXX
I have asked Trans Union since it has been 7 years since the XXXX XXXX to kindly remove it from reporting. They have ignored my request and after further review of my credit I see several mistakes. I have tried to address some of the incorrect information and Trans Union continues to treat me like a second class citizen.
My next issue is with an account where I took out an online loan : Company name : XXXXXXXX XXXX : My online loan was {$1500.00} originally. It went from reporting {$1500.00} to {$4400.00}. This company put 4 late payments on me and never notified me when I dismissed the XXXX XXXX. They finally sent me an email last month and I agreed to settle the account for less which I will attach my payment history and the email the company sent me. When I disputed this with Trans Union they did nothing and continued to discriminate against me my dropping my credit score.
My next issue with TransUnion is that I have 14 inquiries reporting on me. I spoke to a friend of my at a car dealership and he ran my credit and blasted it out without telling me. I called and XXXX would not listen to a word I was saying just wanted to rush me off the phone. I want these removed.
I was denied an opportunity to purchase a home due to TransUnion incompetency and discrimination of pushing me down with their incorrect reporting.
I wanted to dispute two accounts that are showing closed and I am currently paying on that has reinstated with me. I called and was trying to explain to XXXX but he kept rushing me off the phone as he could careless about my concerns.
The first account I reinstated with is XXXX XXXX account number XXXX. I am paying on time since they notified me and I want this to report I am in good standing and never been late. As it starts from XX/XX/XXXX.
My next account that I am paying on is XXXX XXXX XXXX XXXX.
I been paying since XX/XX/XXXX and reinstated my self with this creditor. I want it reporting and never been late as the reinstatement started after XXXX XXXX dismissal.
XXXX XXXX which I will attach email was written off and I paid the account off in full. See attachment at bottom. TransUnion never reported the good that I have done just the negative that they can push on me and the public.
I am being deprived of owning a home due to TransUnion. Yes I have had credit problems in the past and I am working hard to redeem myself, but I find this company discriminating against me time and time again. I want this company exposed to other consumers of their poor practices and lack of empathy to support the consumer. Transunion employees dictated your future and this must stop in America. I am sure I am not the only person who is being discriminated against.
Please help me get these issues corrected and the XXXX XXXX removed. I think I have suffered enough with TransUnions poor practices and unsupportive associates.
Hello XXXX, Thank you for your XXXX XXXX XXXX payment of {$32.00}.
As a reminder, here are your remaining payments to complete your settlement and close the account : XXXX XXXX {$32.00} XX/XX/XXXX : {$32.00} XXXX XXXX {$32.00XXXX XXXX : {$32.00} XXXX : {$32.00} XXXX XXXX {$32.00} XXXX : {$32.00} XXXX XXXX {$32.00} XXXX : {$28.00} If you have any questions, please reach out to one of our knowledgeable representatives at XXXX. We are always happy to help!
Sincerely, XXXX XXXX XXXX XXXXXXXX XXXX Email : XXXX Phone : XXXX Monday-Friday : XXXX - XXXX CT Saturday : XXXX - XXXX CT XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX branded loans are made by XXXX XXXXXXXX XXXX XXXXXXXX doing business as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and serviced by XXXX XXXX, XXXX, doing business as XXXX XXXX.
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY XXXX XXXX XXXX {$490.00} Due on XXXX XXXX XXXX Note : Below are all the MyAccount payments you've made. Payments that may have later been returned or declined will still be displayed. Payments made over the phone, by mail, through XXXX XXXX or XXXX, or using My XXXX Rewards points will not be displayed.
XXXX XXXX XXXX PROCESSED {$490.00} XXXX XXXX XXXX Payment History Account Amount Processing Fee Date Method Action XXXX XXXX XXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX {$590.00} {$0.00} XXXX XXXX, XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$600.00} {$0.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} {$0.00} XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$600.00} {$0.00} XXXX XXXX XXXX XXXX XXXX -- -- - Forwarded Message -- -- - From : " XXXX '' XXXX To : " XXXX '' XXXX Sent : Wed, XX/XX/XXXX at XXXX XXXX Subject : XXXX XXXX XXXX - Settled In Full XXXX letterhead Account Number... XXXX Merchant Name.XXXX XXXX XXXX XXXX Outstanding Balance* ... {$0.00} Dear XXXX, Our records indicate that your XXXX account has been settled in full. Thank you!
Please retain this letter for your records. If you have any questions or need further assistance, please give the XXXX Department a call at XXXX.
Please note this notice will be considered null and void if you do not meet the terms of your original agreement, or if a returned check or a credit/debit card chargeback is received after receipt of your final payment.
Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PT Monday-Friday XXXX PT Saturday To opt out of receiving email communication, please respond to this email indicating you would no longer like to receive email correspondence. Please indicate if you would like paper notices sent to your mailing address.
TransUnion has really hurt me with their discrimination of myself and incorrect reporting. I was denied a home for my family due to this company. Please reach out if you need anything more such as my home denial letter, and snapshot of my poor credit score of XXXX with TransUnion. This is unacceptable and effects peoples lives daily and this company and employees could careless. You are a number and a statistic not a human being.
XXXX XXXX XXXX
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| 06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Order signed by Judge on XX/XX/XXXX. Illegally reported as past due on XX/XX/XXXX when order was not signed until XX/XX/XXXX. Have made payments on time since it was signed, and disputed erroneous reporting. However, they are still showing as past due, event though most recent report show payments each month. Double payment in XXXX.
I completed form requesting hearing, as well as provide documentation showing payment history for the life of the order. Have spoken with company in regard to erroneous reporting. Started investigation in XXXX, XXXX and XXXX. After four months, they still have not rectified or responded outside of saying contact the Credit Bureau.
I disputed with XXXX, Transunion and XXXX. Indicating the mismatch of information, each agency has different amounts owed. XXXX on Transunion ; XXXX on XXXX. As well as different Open Dates ; XXXX and XXXX on XXXX ; XXXX and XXXX on XXXX. They continue to report as past due, however, each report shows dates of payments received in the amount of XXXX. Disputed with all three Credit Bureaus, they stated that they were veriifed, however, they could not have done a true investigation as, thereafter, accounts were still listing with the conflicting, incorrect and mismatched information above.
The are violating all of my rights as a consumer as well as FCRA laws as it relates to privacy, accuracy of information, consent to reporting, investigation and the deletion of inaccurate information.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Lastly, company continues to close and reopen account on my report, adversely affecting my score and consumer profile, despite evidence proving its lack of validity, fraudulent account reporting and irrespective of investigation.
( Laws listed below are all of which the Company ( Attorney General ) and Credit Reporting Bureaus are in violation.
( 1 ) Reinvestigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.
( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.
( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.
( C ) Procedures to prevent reappearance A consumer reporting agency shall maintain reasonable procedures designed to prevent the reappearance in a consumers file, and in consumer reports on the consumer, of information that is deleted pursuant to this paragraph ( other than information that is reinserted in accordance with subparagraph ( B ) ( i ) ).
( D ) Automated reinvestigation system Any consumer reporting agency that compiles and maintains files on consumers on a nationwide basis shall implement an automated system through which furnishers of information to that consumer reporting agency may report the results of a reinvestigation that finds incomplete or inaccurate information in a consumers file to other such consumer reporting agencies.
|
| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing this letter to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) committed by various creditors. I am seeking your intervention and enforcement of the law to address the following issues : Incorrect Reporting of Personal Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Incorrect Reporting of Personal Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Incorrect Reporting of Personal Information ( Section 623 ( a ) ( XXXX ) ( A ) ) : Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXXXXXX XXXX Date of inquiry XXXX XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section XXXX ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry XXXX Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Unauthorized Credit Inquiry ( Section 604 ( a ) ( 3 ) ( B ) ) : Creditor : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account XXXX XXXX Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX Account Number : XXXX Inaccurate Reporting of Account Information ( Section 623 ( a ) ( 1 ) ( A ) ) : Creditor : XXXX XXXX Account Number : XXXX This unfortunate situation has had a profound impact on my life, causing immense emotional distress, financial instability, and sleepless nights filled with XXXX I have always been diligent in managing my finances and maintaining a good credit history. However, the inaccuracies and unauthorized credit inquiries on my credit report have led to numerous problems, affecting my ability to secure loans, obtain affordable insurance rates, and even find suitable housing.
The stress and frustration I have experienced are immeasurable. Despite my efforts to rectify these errors, the creditors have failed to provide satisfactory responses or remove the unverified accounts from my credit report. I have reached out to the creditors multiple times, disputing the inaccuracies and unauthorized inquiries, but my pleas have gone unanswered.
Furthermore, the impact of these violations extends beyond mere inconvenience. I had been planning to buy a home to provide stability and a secure environment for my family. However, due to the tarnished credit caused by these errors, my dream of homeownership has become unattainable, leaving my family 's future uncertain.
I request your immediate intervention to enforce the FCRA and ensure that the creditors rectify these violations promptly. I demand that all unverified accounts and unauthorized inquiries be removed from my credit report, and that accurate and updated information be reported in compliance with the law.
I am counting on your expertise and dedication to protecting consumers like me from unfair and deceptive practices. Your swift action will not only restore my faith in the credit reporting system but also provide a much-needed sense of relief and justice.
Enclosed with this letter are copies of my credit reports and supporting documents related to the inaccuracies and unauthorized inquiries, further demonstrating the urgency and severity of these violations.
I sincerely hope that the Consumer Financial Protection Bureau will prioritize my case and diligently investigate the matters raised in this dispute. I look forward to a prompt resolution that upholds the principles of fairness, accuracy, and consumer protection that the FCRA was designed to enforce.
Thank you for your attention to this matter, and I eagerly await your response and resolution.
Sincerely, XXXX XXXX
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| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Ga XXXX Date of Mailing : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Re : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement per inquiry that is found not validated under 15 U.S. Code 1692g - Validation of debts and under lawful definition of Verification which is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury. To TransUnion : You are in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code 1681 - Congressional findings and statement of purpose under the Fair Credit Reporting Act ( FCRA ). ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING. For unlawfully obtaining information alleged to be mine onto my Consumer report on [ date ] without my authorization or A permissible purpose under the FCRA. See 15 U.S.C 1681b - Permissible purposes of consumer reports. ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Specifically, the FCRA provides A person shall not use or obtain a consumer report for any purpose Unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by by a prospective user of the report Through a general or specific certification. I have not initiated any transaction with [ Any of the furnished companies/entities on my consumer report ]. Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with [ Any of the furnished companies/entities on my consumer report ] For review or collection. Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer report Without permissible purpose, you are liable to me for ( 1 ) actual damages or statutory damages up to {$1000.00}. ( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C 1681m ( a ). Also Any laws under the FCRA that TransUnion fails to follow is a violation and can be compensated for according to 15 U.S Code 1692k Civil Liability. According to my consumer report from TransUnion, I find several violations on my consume report and upon my consumer rights. Because of the findings of these violations within my consumer report from TransUnion. I Demand deletion of all furnishings from my consumer report. As they are violations upon my consumers right to privacy as referenced to in 15 U.S. Code 1681- Congressional findings and statement of purpose. Also, according to 15 U.S.C 1681b - Permissible purposes of consumer reports. I XXXX XXXX the Consumer never gave TransUnion any written instruction to furnish anything on my consumer report, No consent is identity Theft. If TransUnion feels that the alleged furnishings are indeed accurate. I request Validation and Verification of all alleged furnishings on my consumer report from T. The validation of these furnishings must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. My request for validation and verification of the alleged furnishings from TransUnion should not only follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. That definition of Verification is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury. A response from an " office executive '' in an Affidavit of Truth under the penalty of perjury validating and verifying all furnishings on my consumer report from TransUnion will suffice. If these alleged furnishings that have been furnished on my consumer report can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. Again, I Demand Deletion and Removal of all furnishings from my consumer report as it would be proven that the furnishings are indeed inaccurate and incorrect. Remove All Inquiries, Late Payments, Collections, and All other Derogatory Furnishings on my Consumer Report.
All Inquires to be REMOVED include : XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX ( BAMK ) XX/XX/XXXX XXXX XXXX ( BANK ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX XXXX XXXX XXXX ( AUTO ) XXXX, XXXX, XXXX XXXX XXXX XXXX ( AUTO ) XX/XX/XXXX XXXX XXXX ( FINANCE ) XX/XX/XXXX For the sake of the judicial economy, I am willing to settle this matter without any admitted liability. I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist furnishing alleged injuries from companies and entities I am assumed to have any dealings with. ( 2 ) pay me {$1000.00} for Every Deleted Furnishing and deliver it to my address above within 14 days of receiving this demand. Please advise that I am prepared to litigate this matter if you do not comply with this demand. Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein. Sincerely, SSN : XXXX Date Of Birth : XX/XX/XXXX
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| 07/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to submit a formal dispute regarding several violations of federal laws that have significantly impacted my financial well-being and creditworthiness. I request your assistance in enforcing my legal rights under the relevant statutes to rectify the following violations : XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized credit inquiry under the Fair and Accurate Credit Transactions Act ( FACTACT ).
Relevant Law : Fair and Accurate Credit Transactions Act ( FACTACT ) Relevant Section : Section 604 - Permissible Purposes of Consumer Reports Relevant Subsection : Section 604 ( a ) ( 3 ) ( B ) - Permissible Purpose for Furnishing Consumer Reports XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized credit inquiry under the Fair and Accurate Credit Transactions Act ( FACTACT ).
Relevant Law : Fair and Accurate Credit Transactions Act ( FACTACT ) Relevant Section : Section 604 - Permissible Purposes of Consumer Reports Relevant Subsection : Section 604 ( a ) ( 3 ) ( B ) - Permissible Purpose for Furnishing Consumer Reports XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute This is the wrong creditor for this item XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute XXXX is reporting payment history on the collection/charge-off account. I never had any financial obligation with this company.
XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute This account is not reported consistently on all three credit bureaus. Only XXXX and XXXX report this account. I don't own this account. I never received any pertinent paperwork informing me of this debt.
XXXX XXXXXXXX XXXX Account Number : XXXX Violation : Incomplete or inconsistent reporting under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies Relevant Subsection : Section 605 ( a ) ( 1 ) - Reporting Information with Maximum Possible Accuracy XXXX and Transunion are reporting payment history on the collection/charge-off account. I never had any financial obligation with this company.
XXXX Account Number : XXXX Violation : Inaccurate reporting of payment history under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute This collection account doesn't belong to me. Please delete it from my credit report or inform me how you have verified this account.
XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Violation : Inaccurate reporting of account ownership under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute The following personal information is incorrect Account Number : Current Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Inaccurate reporting of personal information under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies Relevant Subsection : Section 605 ( a ) ( 2 ) - Duty to Correct and Update Information The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Inaccurate reporting of personal information under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 605 - Requirements Relating to Information Furnished to Consumer Reporting Agencies Relevant Subsection : Section 605 ( a ) ( 2 ) - Duty to Correct and Update Information SERVICED BY XXXX Account Number : XXXX Violation : Inaccurate reporting of account ownership under the Fair Credit Reporting Act ( FCRA ).
Relevant Law : Fair Credit Reporting Act ( FCRA ) Relevant Section : Section 607 - Compliance Procedures Relevant Subsection : Section 607 ( b ) - Duties of Furnishers of Information upon Notice of Dispute These violations have had a profound and distressing impact on my life. The inaccurate and unverified information on my credit report has unfairly tarnished my financial reputation and has hindered my ability to secure loans, rent housing, and access necessary services. It has caused immense stress, XXXX, and hardship for me and my family, affecting our well-being and future prospects.
As you review my case, I urge you to enforce the legal protections afforded to me under the relevant laws. I kindly request that the creditors promptly investigate and verify the accuracy of the disputed accounts. I further demand the removal of any unverified and inaccurate information from my credit report to restore my creditworthiness and alleviate the unjust burden imposed upon me.
I have attached supporting documentation and evidence to substantiate my claims. Please find enclosed copies of credit reports, correspondence with creditors, and any other relevant materials that can aid in resolving these violations.
I am truly grateful for your attention to this matter and look forward to a fair and just resolution. Your support in upholding the laws designed to protect consumers like me is vital, and I trust that you will take appropriate action to address these violations.
Please feel free to contact me via the provided contact information if you require any additional details or clarifications.
Thank you for your understanding and cooperation.
Sincerely, XXXX XXXX
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| 05/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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My identity was compromised and I was notified by XXXX of my info being included in their hack back in XX/XX/XXXX-XX/XX/XXXX sometime. I have been fighting with all 3 bureaus to remove all these inquires that I did not authorize/request and customer service would not help take care of it and take care of the negative inquiries reporting to my reports. Below is a list of all inquiries I have manage to pull up
***Was told starting XX/XX/XXXX, tax liens would not be report on credit reports, however it's still showing up. Date Filed XX/XX/XXXX Date Reported
Court XXXX XXXX Status Lien Amount $XXXX Lien Class Federal
Date Filed XX/XX/XXXX Date Reported
Court XXXX XXXX Status
Lien Amount $XXXX Lien Class Federal
XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Phone number not available
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX,XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX Requested On: XX/XX/XXXX Inquiry Type: Individual Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Inquiry Type: Individual
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
(XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX
(XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX via XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX, XX/XX/XXXX
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone number not available
Requested On: XX/XX/XXXX Permissible Purpose: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX (XXXX) XXXX
Requested On: XX/XX/XXXX
XXXX Requested On: XX/XX/XXXX
Identifying information they provided: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX (XXXX) XXXX
XXXX XXXX XXXX Requested On: XX/XX/XXXX Identifying information they provided: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX
XXXX XXXX XXXX Requested On: XX/XX/XXXX
Identifying information they provided: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX
XXXX XXXX XXXX XXXX XXXX Requested On: XXXX
Identifying information they provided: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX
XX/XX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX
XXXX
XX/XX/XXXX XXXX XXXX XXXX
XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX
XX/XX/XXXX XXXX (XXXX)
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX
XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX
XXXX
XX/XX/XXXX XXXX XXXX XXXX- (my home is free and clear wouldn't need a home loan)
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX XXXX
XXXX XXXX
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX-XXXX
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| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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Following Items have been disputed with TransUnion Credit Bureau and removed in XXXX and XXXX of XXXX, XXXX. XXXX XXXX XXXX XXXX- {$7500.00} Was removed due to it being a Judgement, as ( evidence of a Court Judgement was provided ) to the Bureau in their investigation, which they did remove, then re-instated back on my credit. and according to XXXX XXXX XXXX XXXX XXXX. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. XXXX and a violation of 15 U.S.C. 1681 ] Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
XX/XX/XXXX - The Judgement was placed back on my credit by TransUnion, and listed inaccurately as " Account Open ''. When the account is " Closed ''. And to be removed once again. They are required by law to remove it for good from my credit, without re-instating it. Or re aging.
XXXX. TransUnion removed a Tax Lien/Collection account from XXXX XXXX of XXXX XXXX Department XXXX XXXX XXXX XXXX XXXX The account was removed because it was too old to be on my cr dit report because the date of first delinquency was XX/XX/XXXX. ( Evidence was provided showing first date of delinquency ). TransUnion has committed fraud, and an illegal act resulting in a crime of re -aging debt on my credit affecting my credit score. These were disputed removed, and re aged and placed back on my credit report dropping my XXXX score down to a XXXX.
Federal Law States Re-Aging a Debt Account Is Illegal and It Destroys Your Credit. To get technical, re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). And TransUnion is in violation of the Code. They are required by law to remove it.
XXXX XXXX XXXX - TransUnion has been provided evidence this account was paid off, and the creditor, and I had an agreement that if the cell phones with XXXX XXXX were paid off then that eliminated the {$2400.00},. I provided proof of the write off, and phones paid to TransUnion which they removed in XXXX of XXXX, then placed back on my credit XXXX of XXXX without my knowledge as owing XXXX XXXX XXXX. Which I do not owe them anything. The credit bureaus should have deleted the item from my credit for good,. It should be made aware to them in proper agency training that a write off means What happens if a debt is written off?
If a creditor writes off a debt, it means that no further payments are due. In addition : the balance should be set to XXXX on credit reference agency reports ; the debt will be registered as a default on credit reference agency reports ; and.Although a write-off on a debt is not easy to get, it is possible and has clear benefits : 1. you are released from the burden of the debt ; 2. recovery action stops ; 3. stress and anxiety are reduced ; and 4. you can make a fresh start.
XXXX XXXX XXXX - {$820.00} This account for XXXX 's XXXX Retail was removed in XXXX of XXXX when it was proven the agency overcharged, with illegal surcharges racking up a balance of {$820.00}, when the account was paid in full, and re-instated on my credit by TransUnion, TransUnion needs XXXX be made aware that there are California State Laws that restrict these unethical practices.
it is a violation of 1985, California law ( XXXX XXXX section XXXX ) that prohibited merchants from adding a surcharge ( an extra fee ) when customers pay by credit card instead of cash.
XXXX is Experian-. In XXXX Of XXXX, the following items were removed from my credit report bringing my XXXX XXXX XXXX up to a XXXX.
As of XX/XX/XXXX XXXX has placed XXXX XXXX XXXX Credit Card - {$330.00} which they updated the balance as of XX/XX/XXXX It was made aware of the prepaid card Consumer Protection Act?
Summary : The XXXX XXXX XXXX XXXX XXXX prohibits card issuers from charging fees or designating expiration dates. Background : The XXXX federal XXXX XXXX restricted fees, prohibited expiration in less than XXXX years, and imposed strict disclosure requirements.
A XXXX XXXX XXXX XXXX XXXX - XXXX prepaid card is a card you can use to pay for things. You buy a card with money loaded on it. Then you can use the card to spend up to that amount. A prepaid card is also called a prepaid debit card, or a stored-value card. You can buy prepaid cards at many stores and online.
XXXX XXXX you only use the money on it you load,. It does not extend credit so the {$330.00} it charged is an illegal charge that goes against federal XXXX XXXX. There fore this account requires to be removed by XXXX. The balance is not LEGAL!
XXXX XXXX XXXX This is Duplicated XXXX that was supposed to be deleted. This is XXXX 's XXXX XXXX which XXXX also reported by XXXX XXXX XXXX XXXX
XXXX XXXX XXXX- {$2400.00}.
The balance is supposed to be set to {$0.00}, XXXX submitted evidence to them XXXX XXXX, that the original creditor XXXX had written off the debt, as agreement that iphones where paid off in full,. XXXX still has not removed the debt even after receiving evidence. They should be trained on what write off means.
This account was removed in XXXX of XXXX, then placed back on my credit XXXX of XXXX without my knowledge as owing XXXX XXXX XXXX. Which I do not owe them anything. The credit bureaus should have deleted the item from my credit for good,. It should be made aware to them in proper agency training that a write off means What happens if a debt is written off?
If a creditor writes off a debt, it means THAT NO FURTHER PAYMENTS ARE DUE. In addition : the balance should be set to XXXX on credit reference agency reports ; the debt will be registered as a default on credit reference agency reports ; and.Although a write-off on a debt is not easy to get, it is possible and has clear benefits : XXXX XXXX XXXX XXXX XXXX {$7500.00} XXXX Judgement Evidence of a Civil Judgment was submitted to XXXX, and verified over the phone they received it Credit Bureaus no longer report Eviction Judgements. It was removed and then re-instated back on my credit. and according to XXXX XXXX XXXX XXXX XXXX. For Fair Credit Reporting Act violations as to the reasonableness for CRA procedures regarding public record information, see Id. XXXX and a violation of 15 U.S.C. 1681 ] Judgment. Under the FCRA, civil judgments do not appear on your credit reports anymore due to a settlement the credit bureaus made called the XXXX XXXX Assistance XXXX ( XXXX ) ( more on that later ).
This is a violation of the FCRA, Negligence, and XXXX 's willful Failure to Comply, and XXXX can, and will be sued for damages if this problem persists.
The FCRA imposes civil liability for negligent and willful failures to comply with its requirements ( 15 U.S.C. 1681n, 1681o ).
|
| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Compliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX XXXX data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, documented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all derogatory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE ASSUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifiability of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwavering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not.
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, untrue, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Below are the accounts in question : Credit account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 1 : XXXX XXXX XXXX XXXX account # XXXX you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 2 : Credit Management/Comcast Cable Credit account # 3 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting XXXX, therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # 4 you are alleging the negative claims still yet deficit of proof of truth, correctness, completeness, timeliness, and or else wise adequate COMPLIANCE to all laws and the XXXX XXXX data field formatted reporting standards XXXX therefore lawfully you MUST ERADICATE any and all adverse remarks : Credit account # 4 : Please accept this as my Official Writ Composition Notification in lawful declaration of your DEFICIENT of compliant reporting and demands for you to become suitably and substantially compliant to your requisites of mandated reporting laws and truthful, correct, complete, and timely submission of adequate full information of alleged derogatory nature ( s ) in the XXXX XXXX data field formatted reporting regulatory standards REQUIRED of you and ANY ENTITY related to any consumers credit report profile or the transfer or use of it. This is a COMPLAINT that your allegations are NOT within the accepted standards of reporting law and as such you are compelled to eradicate by deletion of any adverse indicators or demonstrate physically verifiable evidence adequately validated claims.
This letter is regarding my account ( s ) with you, as noted above & gt ; that being, this declaration is a notification of my request for check of and PROOF of lawful COMPLIANCE to every and all reporting regulations, laws, and standards of practice, to INCLUDE PROOF evidence of you complete and irrefutably accurate and appropriate XXXX XXXX COMPLIANCE as related to each and all of the accusations of adverse account ( s ) and or aspects thereof. IT IS UNLAWFUL to retain and or report any information NOT PROVEN COMPLIANT, NOT PROVEN TRUE, NOT PROVEN ACCURATE, NOT PROVEN COMPLETE, NOT PROVEN TIMELY, NOT PROVEN of undoubted OWNERSHIP, NOT PROVEN of undoubted RESPONSIBILITY, and or else wise DEFICIENT in any manner, whether known or not. It is QUITE OBVIOUS that you somehow still have unproven accusations on my credit reports and in your records allegedly of which you make in regards to these noted challenged items listed above & gt ; ( unlawfully so mind you ) .It seems to be, asininely you claim that my account ( s ) has been late on payments. This is a formal notice that your claim is being challenged as to its MANDATED compliant reporting and if unproven then your notification that it is irrefutably being disputed. In the very least.I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with my corresponding local state laws. Please note that I am requesting validation ; that is competent evidence of any and all calculations, accounting audits, dates, and balances as related to only the account agreement ( s ) I hold with you of which there exists a consumer-credit contract detailing my agreement with any and all terms of said proven contract alleged which additionally is unmistakeable in the bearing of my execution of lawful signature indisputably showing that I am knowledgeable of any and all conditions of such that might have created any derogatory or non-positive reflections upon my account history. In particularly, I demand concrete and irrefutable physical evidence of any and all documented proof that I am or have ( or ever had ) been late.
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| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, OUT DATED INFORMATION and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681 section 604 A section 2 : it states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to this none of the consumer reporting agencies asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy. These accounts are damaging my good credit reputation and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Closed Accounts : XXXX XXXX. Collection Accounts : XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ). INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX AND ALL OTHER INQUIRIES NOT LISTED, REMOVE THESE IDENTITY THEFT ACCOUNT ASAP!!! 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE. NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. Please be advise this is my FINAL WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights to seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. All of these accounts have violated the laws listed above According to FCRA AS WELL AS THE GRAHAM-LEACH-BLILEY ACT : FINANCIAL INSTITUTIONS COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as copies of the letters sent to your company of the debt validation request sent by certified mail number XXXX and Fault with Opportunity to Cure letter sent by certified mail number XXXX to XXXX XXXX XXXX which the company received but failed to validate not respond, as well as a copy of the debt validation request sent by certified number XXXX and Fault with Opportunity to Cure Letter sent by certified mail number XXXX to XXXX XXXX XXXX which the company received but fail to validate nor respond. INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. In response to your results, I sent a Verification Request to your company by certified mail XXXX which you received but failed to respond nor provided the requested verification such as Who verified these accounts and complete method of verification. Also included was a notice of fraud and final Plea. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FURTHERMORE, I did not consent to e-Oscar or any means of automated verification. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my RIGHTS. Please be aware I am including a copy of my complaint to the agencies/organizations below : CC Director of Consumer Financial Protection Bureau , CC : Attorney Generals Office, CC : State Senate , CC : Federal Deposit Insurance Corporation , CC : Comptroller Of The Currency, CC : Federal Reserve System, CC : Credit and insurance, CC : Federal Trade Commission , CC : State Regulatory agency .
All Rights Reserved, XXXX XXXX
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| 02/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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TransUnion, your abuse of power in not conducting several investigation and reinvestigation requests on the XXXX XXXX XXXX account XXXX has violated my right to fair and accurate credit. On XX/XX/XXXX, I opened an auto loan through XXXX. A little over a year after this, I surrendered the vehicle to dealership after informing XXXX. At some point midXXXX, the charged off loan was automatically removed from my XXXX and XXXX credit reports since my date of last payment was over seven years which past the credit reporting statutes of limitations. Around XX/XX/XXXX, the loan was still reporting on TransUnion. Upon contacting TransUnion, I was told that I needed to dispute the account, which I did. On XX/XX/XXXX, the first of nine completed disputes came back stating that the account was verified. This didnt appear to match up, so I called XXXX and was told there is no balance owned, the debt was written off, that theyre no longer reporting the debt and that I need to file a dispute for this account to be removed. I re-disputed the debt stating it was too old and that the creditor agreed to delete this account. In less than 30 days, the debt was allegedly re-sent to the creditor, and verified accurate. This is where I feel TransUnion has taken advantage of being able to decide on what they deem frivolous since I had tried once more, again, claiming that the debt is too old. In less than a couple of days, nothing changed. I had contacted TransUnion and requested they provide me with whatever documentation was provided to substantiate their decision as well as justify why they feel they have the right to omit my rights under the FCRA which states that I have the right to fair and accurate credit. The rep I was speaking with struggled to comprehend basic XXXX. Im unsure if TransUnion has a call center that is not in the United States. Regardless of who I was speaking with, the lack of knowledge or comprehension from the questions I was asking fit the guidelines published by the CFPB on what Im able to request and must be provided from the credit bureaus. There appears to be no knowledge whatsoever on XXXX laws or federal regulation to protect me. This leads me to believe that the employees of TransUnion arent trained around legalities or regulation, but only by providing them with basic responses that fit a certain criteria of a question. This was evident through this conversation as well as through the missing and incorrect information pertaining to this specific account that had not been corrected through any of my dispute attempts. Those employes can play games with the American peoples finances and their livelihoods. This practice is obscene and damaging and insulting to ones reputation and intelligence while being time consuming and draining. Nonetheless, I follow her scripted response of needing to submit a dispute, again. She allegedly filed my dispute, only this time, I received no response of a completed dispute or a mailed and/or updated credit report. Ive attached a history of disputes made by the date I received a response through XXXX direct dispute function. Recently, on XX/XX/XXXX, I had to re-dispute this account since XXXX discriminating business practices may end up causing me a severe financial implication. I spent the past week reviewing over 100 credit reports from TransUnion that I have in my possession. The oldest was from XX/XX/XXXX. In studying each of these reports, in detail, one by one, I encountered a horrifying trend in which on several instances TransUnion knowingly and venomously made adjustments to this account which blatantly seems to re-age this debt. The attached document contains a breakdown that coincides with the following pages. I printed the first page of each report to show the report date on the tip middle box ( dropdown online ). Since auto loans are listed first, I was able to re-size most to provide the data and changes you made or allowed. The first change that was a clear violation of the FCRA and possibly the FDCPA can be seen in the first three reports. On XX/XX/XXXX, there was a XXXX balance and the account had not been reported by XXXX since XX/XX/XXXX. It also shows the account was closed on XX/XX/XXXX. Nine days later, on XX/XX/XXXX, a colossal and malicious change took place. The closed date moved up by three years and nine months ( re-aged the closed date ) and an unwarranted balance was added ( re-aged amount owed ). This update was allegedly provided by XXXX on XX/XX/XXXX, which means TransUnion sat on it for almost a month before reporting it. Whats even more unnerving is four days after that, on XX/XX/XXXX, another change took place ; only this time, the date XXXX last didnt change. It almost seems like TransUnion representative or automated processes are designed to selfishly protect themselves. XXXX stated they dont show two updates submitted in XXXX. So how does the same account from three credit reports obtained over 13 days, updated once, allegedly by XXXX, make extremely copious changes, showing inaccurate, blatantly covered up mistakes, or incomplete fields that are required by the creditor when reporting depict the most basic definition of Fair and Accurate Credit? Even better, how is it that out of so many red flags, re-aged changes, and blank/unknown portions of this account go through ten disputes with no corrections or validations? In a matter of two and a half years, youve overlooked the closed date being colossally changed, followed by changing the balance owed to a fictitious number, followed by the reopening a closed, XXXX balance account, followed by completely removing the date the account was closed. You are reporting the current payment status as in collections/charge off, yet there is no balance? Theres no reported payment history nor any XXXX day late markers. There is a collection date listed when reported as current last month. Your careless laissez-faire approach has caused a change in my mortgage approval while trying to purchase my first home, which has been made possible by taking advantage of my VA benefits. When my credit was pulled before XXXX last year, I was issued a pre-approval through the builders preferred lender. I have an excess of XXXX that is in jeopardy since my approval went to a suspend due to recent collection/late/charge off activity on a home in which I MUST close on by next Tuesday. If I dont, I am liable to pay {$500.00} per day until I can secure financing. I am well past my mortgage contingency date, so if I decide not to proceed or attempt to find alternate financing, my XXXX is not refunded, we will be without a place to live, and Ill have to live with the guilt and continual flashbacks after letting my wife and kids down and watching their life and the excitement that drain right in front of me.
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| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
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| 04/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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There is a fraudulent XXXX account my report. THIS DEBT IS OVER 15 YEARS OLD. BY LAW, ANY DEBT OLDER THAN SEVEN YEARS MUST BE REMOVED FROM MY CREDIT REPORT. Furthermore, we are in the middle of a national federal emergency and a global pandemic. All student loans, public and private by law must go into administrative forbearance. This loan shouldn't be on my credit report for the following reasons. In XXXX, I was the target of for profit school scam at XXXX XXXX XXXX of Colorado. In XXXX, the CFPB sued XXXX, the so-called XXXX XXXX XXXX. XXXX was the parent company of XXXX XXXX XXXX and so-called XXXX University. XXXX was 40 percent owned by XXXX XXXX. XXXX XXXX is one of the financial institutes that average tax payers like me, were forced pay {$800.00} XXXX dollars to in the bank bailouts of XXXX. It is therefore ABSURD to claim I owe anyone anything because I already paid to bail the banks out in XXXX. XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, and XXXX are all criminal organizations. I refuse to pay money to a criminal enterprise. It doesn't matter, the debt is 15 years old and can not, by law, appear on my credit report, please remove it immediately. The CFPB sued XXXX XXXX XXXX for XXXX XXXX DOLLARS IN FRAUD. Yet in the settlement in XXXX the US Department of Justice only charged XXXX {$95.00} XXXX, a mere slap on the wrist. No one went to jail, and the company refused to admit any wrongdoing. In addition, XXXX refused to pardon the debts of any students that were swindled into attending this fraudulent institution prior to XXXX. The CFPB found that XXXX XXXX XXXX were deliberately targeting minority and low-income students as part of its recruitment strategy. They made blatant misrepresentations as to the value of their degrees. They did not disclose to students that their grades and degrees were nontransferable because the schools were not properly accredited. They made wildly outlandish claims about how much a graduate would make with one of their degrees, all of which were false. The admissions counselors were actually paid a commission based on the number of students they enrolled. Students were repeatedly encouraged to get themselves into more and more student loan debt so that the school could profit. In my case, the admissions counselor was named XXXX XXXX. XXXX XXXX is a despicable fraud and criminal who manipulated thousands of students into enrolling with the despicable for-profit school scam XXXX XXXX XXXX of Colorado. He lied to my face, and to my parents faces telling us that I would make {$75.00} to {$100.00} XXXX a year with merely an XXXX XXXX. I have a worthless XXXX from XXXX XXXX XXXX of Colorado and I have never made more than {$45000.00} and that was XXXX years ago. XXXX XXXX pretended to be my friend and care about my problems and then never spoke to me again once I agreed to enroll. I didn't know at the time he was being paid a commission for getting students to sign up. I received no education at the XXXX XXXX. All of the teachers and students were sleeping together. It was the most ridiculous, most unprofessional environment I've ever seen. Many of the students already knew more about the subjects than the so-called teachers. Teachers were horrifically unqualified yet were being paid {$40.00} an hour for their worthless courses. I was stuck finishing my XXXX at the XXXX XXXX because the credits were nontransferable. It was only by my own tremendous effort that I was able to get into XXXX school later because legitimate schools did not recognize my worthless degree from XXXX XXXX XXXX of Colorado. Students and parents who had been swindled launched an online petition against the XXXX for its lousy slap on the wrist settlement in XXXX and demanded debt cancellation for students, like me, who attended the phony schools before XXXX. I was swindled into taking out a loan with criminal organization XXXX when the financial aid office at The XXXX XXXX of Colorado lied to me and said I didn't qualify for federal aid. I faced overwhelming pressure to enter into a private loan contract. I suffer from several XXXX XXXX all legally defined as XXXX under the law. I was forced to sign under duress an adhesion contract under threat of dismissal from the school if I did not. I hated the school and desperately wanted to finish my degree. I did so in only three years. I took on more courses and exhausted myself beyond belief under the false promise I would be making {$75.00} to {$100.00} XXXX if I did. The original fraudulent contract I signed under duress at a time when I was not legally lucid to enter into any contract was signed with XXXX XXXX XXXX which later turned into the criminal enterprise known as XXXX. I have fought against XXXX for 15 years and will continue to fight. In XXXX, a massive lawsuit was planned against XXXX for {$1.00} XXXX DOLLARS IN FRAUD. At least FIVE STATE ATTORNEY GENERALS JOINED THE LAWSUIT. The State AGs found that XXXX was creating LOANS THAT WERE DESIGNED TO FAIL. In addition, they found that XXXX had SWINDLED US VETERANS OUT OF MILLIONS OF DOLLARS. That same year, XXXX, XXXX University XXXX XXXX launched the Project on Predatory Lending. They sued the US Department of Justice demanding release of the records from the XXXX XXXX settlement. The XXXX refused to release the records in direct VIOLATION OF A FEDERAL COURT ORDER. In addition, in XXXX, XXXX FILED FOR BANKRUPTCY. Let me just give you an idea of how messed up that is. The company that ran a for-profit college scam swindling millions of students and condemning them to a debt sentence gets to file for bankruptcy yet the students who were swindled can not claim student loans in bankruptcy! Before XXXX filed for bankruptcy it dumped its entire criminal enterprise, the so-called XXXX XXXX, and sold it to a fraudulent religious charity known as the XXXX XXXX in XXXX XXXX. The XXXX XXXX paid {$60.00} XXXX dollars to acquire the worthless fraudulent, criminal enterprise. The XXXX XXXX itself is a criminal organization hiding behind the facade of religious devotion. How did it acquire {$60.00} XXXX dollars in the first place? Isn't that money supposed to be helping the homeless? I repeatedly contacted the so-called XXXX XXXX and demanded immediate debt cancellation and no one responded. Then, in XXXX, XXXX XXXX XXXX of Colorado closed for good. By law, if a school closes I am entitled to full debt relief both public and private. The criminal enterprise known as XXXX XXXX XXXX of Colorado no longer exists. Therefore, I do not owe XXXX, or the US Department of Education a single dime and I demand the immediate removal of this fraudulent, 15 year old debt from my credit report. IF THE DEBT IS OLDER THAN SEVEN YEARS, BY LAW IT MUST BE REMOVED FROM MY CREDIT REPORT! PLEASE REMOVE IT IMMEDIATELY!
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| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 30 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT.
XXXX. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern:
This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my
consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the
declaration of the rights granted to consumers under the Fair Credit Reporting Act.
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit
report.
1. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a(4) CONSUMER RIGHT TO PRIVACY. THIS
BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT
XXXX XXXX Bankruptcy
Case Number: XXXX
THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY
CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g
AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS
THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST
CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX
Date of inquiry: XXXX
Please ensure that all information is accurate. If not proven delete this immediately.
3. Under 15 U.S Code 1605(a) If a Finance Charge was included which is the sum of all payments There
Should be no late payments on this account
XXXX XXXX
Account Number: XXXX
Please UPDATE this late payment in my Credit Report.
4. Under 15 U.S Code 1605(a) If a Finance Charge was included which is the sum of all payments There
Should be no late payments on this account XXXX
Account Number: XXXX
Please UPDATE this late payment in my Credit Report.
5. Under 15 U.S Code 1605(a) If a Finance Charge was included which is the sum of all payments There
Should be no late payments on this account
XXXX XXXX
Account Number: XXXX
Please UPDATE this late payment in my Credit Report.
6. Under 15 U.S Code 1605(a) If a Finance Charge was included which is the sum of all payments There
Should be no late payments on this account
XXXX XXXX Account Number: XXXX Please correct/update this inaccurate information on my credit report.
7. Validate Account XXXX XXXX Account Number: XXXX Please remove it from my credit report.
8. 5 U.S.C. 552a(i)(3).- An agency official who improperly discloses records with individually identifiable
information or who maintains records without proper notice is guilty of a misdemeanor and subject to a fine of
up to 5000 if the official acts XXXX XXXX Account NumberXXXX XXXX Please remove it from my credit report.
9. You are in VIOLATION of the 15 U.S. Code 1692e- False or misleading representation.
XXXX XXXX Account Number: XXXX
Please remove it from my credit report.
10. Misleading false reporting. This account is negligently and inaccurately reporting. XXXX XXXX Account Number: XXXX Please remove it from my credit report.
11. The following personal information is incorrect
Also Known As: XXXX
12. The following personal information is incorrect
Also Known As: XXXX XXXX
13. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Fair Credit Reporting Act specifically details that all items within a consumers credit report
must be reported with 100% accurate information (not 99.9% or less), must be 100% verifiable
(not 99.9% or less), must be 100% complete information (not 99.9% or less), and must only be reported during the allowable
reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that
the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore,
please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above
account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information
as contained on the reported trade- line is in fact 100% Accurate, Complete, Verifiable, AND Timely. Please do not provide some
generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further
perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study
proved that over 79% of consumer credit reports contain errors. Another report shows that more than 90% contain errors. Why does
your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of
this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is
causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit
Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA,
as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take
any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying
with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful noncompliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the
flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will
be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any
unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this request and greeting
your mistakes CORRECTED.
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS
OFFICE
Sincerely, XXXX XXXX
CC:XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection
Bureau1700 G. Street NW Washington, D.C. 2055
CC: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CC: Consumer Financial Protection Bureau via fax XXXX XXXX
CC: Attorney Generals Office
CC: XXXX XXXX XXXX
CC: State Senate
CC: Federal Deposit Insurance Corporation
CC: Comptroller Of The Currency
CC: Federal Reserve System
CC: Credit and insurance
CC: Federal Trade Commission
CC: State Regulatory agenc
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| 12/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am trying to get information that you refuse to send. I have a dispute in place here for my business XXXX XXXX but I also have XXXX personal cards that you closed at the same time XX/XX/XXXX. Since XXXX I have been on restricted view unable to see my accounts. I am a paperless customer and you have never sent my statements via USPS.You have blocked me altogether from entering through the app or your online banking portal. This is wrong. You closed all three of my accounts while being paid as agreed and never late. That was in XX/XX/XXXX. When asked why you closed my accounts I was told too many bounced payments. When I asked you to go verify that of course knowing it was wrong I then was told I opened too many disputes. I opened one dispute on my XXXX XXXX and that was at the end of XX/XX/XXXX and by XX/XX/XXXX the money was refunded to me and you took your provisional money back. A well executed text book handled dispute. The Company was Spoiled XXXX. I have tried to explain my thoughts on the disputes that were opened by YOU. XX/XX/XXXX at around XXXX I was siting with the watch commander of the XXXX . My computer had been hacked and the money in my personal account had been turned into crypto currency. While filling out the police report he suggested I call the furnishers of credit. Being that i put all my eggs in one basket and had both my personal and business cards with only XXXX XXXX I phoned as a courtesy and shared what transpired I also made it very clear that none of my cards had been affected. But thought you should know on the off chance something did transpire. From that 4 minute phone call all XXXX broke loose. It wouldn't be until XXXX and my vendors were reaching out and saying they were not going to be paid. XXXX said your financial instituton has begun chargebacks and disputes. Now if I had a dispute and it was through XXXX I would have them dispute the charge I would take care of that I would not expect that you would go to XXXX on my behalf and without me knowing but that is what you did. XXXX could not close the disputes that had to come through you. And even thought i phoned and asked how this started and to stop it you continued right on going. What this did was force me to pay those people places and things by other means. Which is what I have done. You Executive team sent me a letter saying that they did not open disputes and no charge backs occurred. That is not true or correct. Many of the things the Executive Team had in their letter was wrong. Dates, what transpired and when it transpired. They even said that in XXXX when they finally realized an in-house mistake was made that you opened up my XXXX accounts again. That is not true of correct either.What you did was close my accounts and within 24 hours you had reported my accounts closed to all three credit bureaus. My FICO went from XXXX to XXXX overnight. I lost a parent loan for my XXXX XXXX, I was turned down by creditors, my credit limits lowered on my XXXX card and you left me unable to secure another penny. And to date I am unable to secure any credit. You took my good credit and you ruined it overnight. Your Executive Team seems to think they fixed the incorrect reporting with all three bureaus. Or, at least thats what a letter says. I was on the phone with each CRA yesterday and not a single person at XXXX XXXX has made the attempt to fix what was ruined by you. In fact there are not many things that you have gotten right with this. Your letter states dates and time when you think things occurred and you are very wrong. You have tried to twist this and turn it into a me problem.When it's a you problem. I have been fighting this for a year and my last letter to you like all the others sent before it, has been sent certified mail USPS. My last letter to you was XX/XX/XXXX. My last call 7 days ago. I have been sent to collections for my XXXX XXXX but after showing the collection agency my paperwork they sent me back to you. Why?? because there is nothing to collect on. My XXXX personal cards are the same. but I cant seem to find where they are. You have refused to send me statements, you have refused to pull the restricted view on my accounts and I have no clue how I am supposed to see whats going on when you don't want me to? That is clear. I have noticed for the 4 days I was allowed into the app in XXXX things did not look the same. When I brought that to the powers that be I was closed out once again and never allowed to enter the system again. I have sent you proof of the people places and things being paid I have asked you for every statement on both personal accounts and proof that I owe. To date I have never received either. I have sent the CEO of XXXX XXXX and the VP of Fraud many emails with the attachments that you were sent via USPS. And I know that both are opening my emails I have a tracker I know that when the letter arrived it mentioned me reaching out the the CEO so I know my attachments are there.. You have gone way past the XXXX billing cycles getting me the answers and my proof. You run on XXXX XXXX time. I have asked you to post my store returns where the original source of payment has been credited and what did you do about that?? You sent me dispute paperwork. The dispute is with you not with XXXX or XXXX. I have given you the return transaction numbers, along with the dates. And nothing changes.The mistakes are endless .You have only issued to me XXXX XXXX XXXX credit cards one XXXX ending in # XXXX and XXXX personal # XXXX and # XXXX. So why are there charges on other card numbers I have never activated or used? You have never reopened any of the accounts like your letter states You have never cleaned up my credit like you letter states. But you need to do this now. You have failed to follow the Credit Card laws and I am really suffering because of your endless lies. Do you know that there is a number you posted on all three of the CRA stating that if a future creditor wanted to find out why you had closed my accounts in good standing they could call you. I called and what you said about me was taped but also not true. I would like you to put the store credit where they belong put all my payments onto the accounts where they belong credit the money I paid to the people and places you refused to. and then send me a copy of all the statements. I can tell you know if you do this correctly you will owe me money at the end. I have sent you a few credits that should be posted as well as chargebacks ruled in my favor I have sent you the dispute form you sent me when I asked you to post XXXX credit and you made it a new charge. I have sent you copies of the original payments made and of course you have been sent everything numerous times its too much to post it all here.
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| 09/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX, XXXX, and Transunion continue to report inaccurate information on my consumer report. The account information for XXXX XXXX XXXX XXXX has not been properly verified.
Account # : XXXX XXXX XXXXBureau Code : Individual Terminated Individual Account Status : Closed Closed OpenDate Opened : XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$28000.00} {$0.00} {$28000.00} High Credit : {$29000.00} {$29000.00} $ XXXXLast Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; customer disagrees Subscriber reports dispute resolved - consumer disagrees.
Consumer disputes- reinvestigation in progress Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose U.S. Code Notes prev | next ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
|
| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX To Whom It May Concern, I am writing to file a formal complaint regarding multiple violations of consumer protection laws that have significantly impacted my financial well-being. I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take prompt action to enforce the relevant legal provisions and rectify the injustices I have endured.
The violations I am reporting involve unauthorized credit inquiries, inaccurate personal information, and questionable account details on my credit report. I believe these actions are in violation of the Fair Credit Reporting Act ( FCRA ) and related regulations.
The following are the specific violations I have identified : Inaccurate Personal Information : Violation : Under Section 611 ( a ) ( 1 ) ( A ) of the FCRA, creditors are required to report accurate and up-to-date information. The incorrect addresses listed on my credit report violate this provision.
Affected Accounts : XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Unauthorized Credit Pulls : Violation : Section XXXX of the FCRA stipulates that a credit inquiry requires consumer consent. Unauthorized credit inquiries violate this provision.
Affected Accounts : XXXXXXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXI | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
Questionable Account Information : Violation : Unclear or questionable account details listed on my credit report XXXX be in violation of the FCRA 's requirement for accurate and complete reporting under Section 623 ( a ) ( 1 ).
Affected Account : XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
I would like to share a deeply personal story that underscores the impact of these violations on my life. As I embarked on the journey of securing a mortgage for my family 's future home, the inaccuracies and unauthorized inquiries on my credit report resulted in a devastating denial. This event shattered my aspirations of providing stability and security for my loved ones, causing immense emotional distress and anxiety.
I urge the CFPB to act on my behalf to address these violations and uphold the principles outlined in the FCRA. I request that you investigate these matters thoroughly and take the necessary steps to ensure : The immediate removal of inaccurate personal information from my credit report.
The expeditious removal of all unauthorized credit inquiries.
The thorough verification and clarification of questionable account information, or its removal if unverifiable.
In conclusion, I implore the CFPB to stand by its mission to safeguard consumer rights and promote fair treatment within the financial sector. The violations I have endured have not only disrupted my financial well-being but have also inflicted profound emotional distress. I eagerly await your response outlining the actions taken to address these violations and restore justice to my situation.
Thank you for your attention to this matter. I anticipate a timely response to this formal complaint.
Sincerely, XXXX XXXX
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| 02/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I DEMAND, as is my consumer right ( s ) to do so, that you ONLY retain, use, and or report data of which is absolutely TIMELY, TRUE, CORRECT, COMPLETE, physically verified as proven valid and certified as COMPLIANT to every aspect of requisite law, including the mandatory XXXX XXXX format reporting. Let it be in clarity that I do NOT authorize you nor any entity RIGHT to access, obtain, transfer, use, or report ANY DEROGATORY INFORMATION of which is not irrefutably of a current status and proven by document FACT to be valid as well as undeniably demonstrated as being fully COMPLIANT to any and every aspect of compliance of collection, of which compliance of reporting is a MANDATORY CRITERIA. Please ELIMINATE ANY and ALL allegations of personal identifiers NOT REPORTING EXACTLY as displayed above OR ELSE PRESENT TO ME testimonial document prove certifying the FULL TRUTH, ACCURACY, COMPLETENESS, ownership and COMPLIANCE of the reported information. COMPLIANCE is a MANDATORY CONDITION of adequate proper reporting, NO ENTITY is privy to insufficient lawful reporting, be it in willful or ignorance of derelict! This letter is forwarded to ONLY INDIVIDUALS in capacity to analyze and modify or REMOVE information found to be without the required certification of being physically verifiable in the validation of the information BUT ALSO if the information, TRUE OR NOT, is with deficient evidence of REPORTING COMPLIANCE ( even to the mandatory perfect XXXX XXXX FORMAT COMPLIANCE ) and or is missing such requisite testimonial document proof of certified compliance in full accordance of law ( s ). From my recent and extensive DETERMINED research into YOUR REQUISITES for FULLY PROVABLE ( not simply you ARE STATING SUCH but actual demonstrated testimonial certificate of every fact to the confirmation of full truth, correctness, completeness, timeliness, ownership, responsibility, and elsewise mandated obedience of compliance, which undoubtedly includes your requirement to precise and exacting in your adequate keeping with the established standards of XXXX XXXX Compliance. The XXXX XXXX compliance is irrefutable in requisite as by your own descriptive definition of the automated web-based verification process from which you transfer and communicate information to and from in consideration concerning a consumer complaint of potential mis-information and or mis-reporting. In fact, review for yourself should you still be derelict in your proper understanding. clearly you can see in the image included that since you in fact utilize XXXX XXXX you in fact claim to be XXXX XXXX compliant, certainly no court would relieve you of duties to comply with a demand from a consumer in question for documented and certifiable testimonial demonstrated proof of the self-proclaimed compliance to truth, accuracy and completeness as well as to exactingly correct XXXX XXXX data field formatted reporting. This would irrefutably be so should you describe or claim that XXXX is a web-based, XXXX XXXX compliant, automated system. Your counter to this would be considered OBVIOUS indication of your WILLFUL much more ILLEGAL possibly even CRIMINAL disregard of your adequate lawful regulatory reporting as signaled by the US 49 CFR 241.5, SEE below : Further, according to Title 49 cfr, subtitle B, Chapter II, Part 241, Section 241.15 ( c ) ( c ) A person who knowingly and willfully falsifies a record or report required by this part may be subject to criminal penalties under 49 U.S.C. 21311. Further, per U.S. Code Title 49 Subtitle V Part A Chapter 213 Subchapter II 21311 ( 3 ) does not enter required specified facts and transactions in such a record or report Ok, now that we have undoubted precedence out in the open, you are now with declaration of knowledge of said laws and standards as well as your required actions upon a consumer complaint to any allegation that is either or all : Not current, not true, not correct, Not COMPLETE, Not Timely, NOT AUTHORIZED, and or NOT REPORTABLE! Please Note, this is NOT A DISPUTE as you might be accustomed, rather this is my LAWFUL compelling of you to display, AS LEGALLY REQUIRED, absolute PROOF of your FULL COMPLIANT, TRUE, ACCURATE, AND COMPLETE reporting. This is NOT an effort to DISPUTE ANYTHING, REGARDLESS you MUST ERADICATE any and all CHALLENGED item ( s ) of DEROGATORY nature in this WRITTEN COMPLAINT of your DERELICTION of responsible and RELIABLE reporting. This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. I request that you VERIFY the VALIDITY of all claims physically, CHECK for the factual and precise CERTIFIED COMPLIANCE OF REPORTING and REMOVE or MODIFY as needed any item ( s ) of derogatory allegation of which the PHYSICALLY VERIFIABLE VALIDITY and or the CERTIFIABLE COMPLIANT REPORTING is deficient or missing via willful derelict OR even if dereliction is due to ignorance. To collect any claim MUST be verifiably VALID, and to REPORT the alleged VALID COLLECT-ABLE derogatory information MUST be of a documented CERTIFIED COMPLIANT REPORTING, such as to the true, correct, complete, timely, and undeniably factually perfect XXXX XXXX FORMAT reporting compliance standards! VERFIFY PROPERLY BOTH the VALIDITY OF and PERFECT CERTIFIED COMPLIANT REPORTING OF all claim ( s ) and every aspect of claim ( s ) OR ELSE permanently REMOVE THE FOLLOWING DATA/ACCOUNTS and or the undocumented derogatory aspects of such data/accounts : Accounts attached below in documents.
Notation : Please verify and validate all claims, every notation, dates and balances, whether reported or not. Remove immediately the unverified therefore invalidly reported Public Record claim. No Court verified any consumer data to any third party entity, making impossible any such claims of your misreporting being perfectly true correct, and verified factually valid much less undenialy and certifibly compliant, a mandatory criteria for reporting consumer data, true or not.
Notation : Please verify and validate all claims, every notation, dates and balances, whether reported or not. Remove immediately the unverified therefore invalidly reported DEROGATORY CLAIM. To date, no document proof of the physically verifiable validity of claim has been demonstrated nor offered. I am concerned with the reported data, please detail factually all aspects of claim, every notation, all dates and balances, source codes and personal identifiers, full 426-character P-segment with trailing factors, creditor classification code, XXXX, the 386-pieces to confirmate collection, and all requisite framents of reporting, mentioned or not.
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| 01/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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On XX/XX/2020, I disputed inaccurate information reporting on my credit report by XXXX XXXX. I was notified by the 3 credit reporting agencies, XXXX, XXXX and TransUnion that the information was verified. I disagreed with this information, so on XXXX XXXX, 2020 I sent a follow-up to the 3 credit reporting agencies that I disagreed with the information reported and requested their method of verification as in my research, I found they should be able to provide me. Again, they verified the accuracy of the reporting and made no changes.
On XXXX XXXX, 2020, I sent a request of verification to XXXX XXXX so that I can see how and why they have verified this information with the 3 credit reporting agencies, yet, all 3 of them didn't report the exact same thing. Again, in my research, I found that the FACT Act allows me to go directly to the original creditor under Section 312. I requested a bunch of information, however they didn't provide me with the requested information.
On XXXX XXXX, 2020, I wanted to follow-up with the 3 credit reporting agencies, XXXX, XXXX and TransUnion. I notified them of the errors with the reporting and made it evident that they were knowingly and willfully reporting inaccurate information. This is my exact reason for my dispute : Please verify this account and It's a shame how you have conducted and supposedly verified this account. The errors are evident as they are inaccurate in more ways than one. When reading up on the FCRA, I learned that if an account is reported on my credit report, everything within the reporting must be free from error which is not the case. You have failed to conduct a reasonable investigation and now I'm requesting from you the information you affirm to have firsthand knowledge of this account reporting with 100 % accuracy. Should you deny my request, I simply request that you remove this account in its entirety from my credit report. Based on my research, I'm requesting to further clarify your compliance with XXXX Compliance. I don't agree with the Credit Limit listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Please confirm the Status Code is also correct. I would like you to provide me wiith the XXXX XXXX Format, specifically Base Segment, Field 17A. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Please take my request seriously. You have again confirmed to me in writing that the information reported is in fact accurate. It is now my opinion that you may have mix or mis-merged this file onto my credit report. After my research, I have found that mis-merged files occur largely because the CRAs ' computers do not use sufficiently rigorous score or scale thresholds to match consumer data precisely, even when such unique identifiers as Social Security numbers are present. The nationwide CRAs rely on a match of only seven of nine digits of the SSN ( XXXX XXXX v. XXXX XXXX. XXXX. ) The CFPB has identified mixed files as a particularly challenging problem. I again request that you immediately remove this account from my credit profile. Last month, I requested you to provide me with the " reasonable procedures '' that you have in place, yet you didn't provide anything " specific '' with " first-hand knowledge '' about this reporting. Need I remind you that these procedures are designed to prevent inaccuracies. I've requested this in writing and once again, you have failed me. It is my right to know that you have actually followed YOUR own procedures. ( XXXX v. TransUnion, LLC. ) It's not enough to just have procedures put in place but that the employee also follows the procedures in each and every report they prepare ( XXXX XXXX v. XXXX XXXX XXXX, XXXX ). You must not just have reasonable rules, but your employees must strictly follow those internal CRA rules ( XXXX XXXX XXXX XXXX ). The FTC staff indicates that " [ o ] ne of the most significant compliance procedures to assure accuracy will be the training of new personnel and the retraining of current employees from time to time. Even isolated instances or error should be followed up and procedures adjusted in order to correct the cause of the error '' ( FTC, Compliance with the Fair Credit Reporting Act ). Since you have failed yet again, I implore you to do the right thing and remove this from my credit report.
On XX/XX/ 2020, I sent another dispute to the 3 credit reporting agencies to let them know that I have not been able to obtain actual verification of what XXXX XXXX is reporting. I notified them that the information is inaccurate and unable to be verified per my request.
On XX/XX/2020, I sent another dispute to XXXX XXXX to notify them that I've had my rights violated. My requests have gone ignored.
In my research, I found something called Appendix B to Part 1022 - Model Notices of Furnishing Negative Information. My research shows that a financial institution that is subject to section 623 ( a ) ( 7 ) of the FCRA shall be deemed to be in compliance with the notice requirement in section 623 ( a ) ( 7 ) of the FCRA if the institution properly uses the model notices in this appendix. I would like to see the actual document that was sent to me to verify that my rights have not been violated.
On XXXX XXXX, 2020, I sent another dispute to the 3 credit reporting agencies letting them know that my report is inaccurate. I requested more information regarding the reporting of this account, yet all they did was verify that the information is accurate. My exact dispute was as follows : Please verify this account. I'm unaware of the information reporting on this listing. Please remove it in its entirety or show me what information you reviewed in order to report it in the first place. Based on my research, I'm requesting to further clarify your compliance with XXXX XXXX Compliance. I don't agree with the Portfolio Type listed and request that you please verify this information. I am also requesting that you provide verification of documents that you have reviewed. Specifically, I would like to confirm the FCRA Compliance Date or Date of First Delinquency/Last Activity is in Base Segment, Field 25. Let me remind you that " parroting '' is not " conducting a reasonable investigation ''. Again, if youre unable to comply with my request, please simply remove this listing from my credit profile.
On XX/XX/2020, I sent a follow-up request to XXXX XXXX letting them know that I was tired of receiving a canned response with nothing specific to any of my previous request with them as well as my disputes with the 3 credit reporting agencies. I requested full verification of the account, yet, to this day I havent received anything.
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| 09/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing to inform you about my recent disputes with the 3 major bureaus, Transunion, XXXX & XXXX and their violation of In reference to INACCURATE/UNVERIFIABLE ACCOUNTS and potential Violation of FCRA Section XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX Case XXXX XXXX XXXX XX/XX/XXXX, Filed ( XXXX XXXX. XXXX ) .. I am aware that under the Fair Credit Reporting Act, the bureaus are required to maintain maximum accuracy, and that inaccurate, incomplete or unverifiable information if challenged must be corrected or deleted. Upon looking over my reports, I was shocked to discover there were a lot of discrepancies/inconsistencies I came across which I find disturbing. I sent them an affidavit requesting demand that they please verify validity of any claim in full INCLUDING but not limited to their requirement to certify the factual compliance of reporting process ( es ) and the mandated Metro 2 Data Field Format standard of lawful ethical reporting as is related to any alleged and demonstrated document evidence of physically verifiable truth of claim, correctness of claim, timeliness of claim, ownership and responsibility of claim 's negativity, or proof of undoubtable validity of claim 's negativity else wise exactly as reported. Document the CERTIFIED COMPLIANT REPORTING of factually proven claim 's of negativity or else eradicate claim today, even RIGHT NOW! All information they have on my file which according to XXXX XXXX XXXX XXXX a ) ( XXXX ) they are required to " accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request ''. I have done a bit of due diligence and discovered that according to XXXX XXXX XXXX " all information in the consumer 's file '' is distinctly different from a credit report, and so it contains far more information than a mere credit report. What bothers me is that they did not respond with any documentation whatsoever.
Moreover, there are accounts on my reports that have not been verified properly according to the FCRA principles of protecting me from misinformation. According to Black 's law dictionary, verification is defined as " The examination of a writing for the purpose of ascertaining its truth ; or a certificate or affidavit that it is true. '' and also, " Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. '' Even the FCRA mentions under the definitions section ( 15 USC 1681 ( a ) ( l ) that verification involves, " information in the consumers application ''. The bureaus failed to produce any kind of documentation that would justify verification as defined by Black 's law dictionary.
Also, I discovered inquiries that have no contracts on file that are still listed on my credit reports, nor was there any proof that the permissible purpose was certified in accordance with 15 USC 1681e which states how the bureaus are required to have reasonable procedures for the permissible purpose of inquiries and these procedures involve, " that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. The bureaus failed to provide me any shred of evidence that they are in fact maintaining such procedures of ensuring that creditors did in fact certify the permissible purpose. Again, they failed to produce any kind of documentation in my consumer file.
In short, I have not received any hard evidence from XXXX, Transunion and XXXX showing that these accounts and inquiries are valid and that they are even following the requisite federally mandated " reasonable procedures ''.
Clearly, according to the FCRA these items must be removed from my credit report by law because it is known as misinformation and literally unverified information.
Additionally, there are collection accounts on my reports yet I never agreed to do business with these companies whom I have no contractual obligation to do business with. They also somehow got my address, my date of birth, my social security number and even created a fictitious account in my name without my consent! Isn't this how fraud is committed?
I did not give express permission for my personal information to be in the hands of any third party agencies that I have never even heard of and are asking for payment and send threatening letters to my domicile. Moreover, in doing my due diligence, I discovered that 31 State attorney generals entered into an agreement with the credit bureaus titled, " Assurance of Voluntary Compliance / Assurance of Voluntary Discontinuance '' and in this document on page 12, it states, " The CRAs shall prohibit Collection Furnishers from reporting debt that did not arise from any contract or agreement to pay ''. Similarly, on the same page it also goes on to state, " The CRAs shall implement a process designed to effectively remove from the CRAs ' respective credit reporting databases any existing data reported by Collection Furnishers relating to the collection of debt that did not arise from a contract or agreement to pay ''. Once again, the bureaus did not produce any documentation proving the legitimacy of these fictitious accounts which I assert did not arise from any contract or agreement to pay them.
I sent the XXXX agencies an AFFIDAVIT OF TRUTH OF INCONSISTENCIES IN CREDIT REPORTS and the nature of my claim ( see 42 USC 1983 popularly known as Section 1983, or Section 1983 of Title 42 of the U.S Code part of civil rights act of 1871 ). Transunion, XXXX and XXXX must thoroughly abide by the FCRA before making a counter Affidavit, this is a lawful notice. It means what it says and says what it means. See 10 Maxims of Commercial Law, # 5 AN UNREBUTTED AFFIDAVIT STANDS AS TRUTH IN COMMERCE.
# 6 AN UNREBUTTED AFFIDAVIT BECOMES JUDGEMENT IN COMMERCE.
I have sent this letter to you because the credit bureaus are engaging in what the FTC Act calls " unfair or deceptive acts or practices in or affecting commerce. '' None of the 3 bureaus rebutted my affidavit of truth point by point. Moreover, none of them provided me any kind of documentation as required under 15 USC 1681g ( a ) ( 1 ), and as a result none of them verified with actual documentation! They are in default and I have sent them a notice of their default. The attached documents are proof of what I have sent the 3 major bureaus.
Hopefully we can lawfully take care of this issue and peacefully resolve the disturbing information that is on my reports.
Fraud is any kind of artifice employed by one person to deceive another. XXXX v XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Thank you XXXX XXXX w/o prejudice P.S. Please attached letters as proof.
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| 07/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I opened a XXXX XXXX account ( by XXXX ) on XX/XX/XXXX. XXXX. My customer # was XXXX and the last four digits of my account # were XXXX. My first order # ( XXXX ) was in the amount of XXXX minus a {$30.00} down payment, so the amount financed on credit was {$100.00} including taxes. From that first order, I returned a XXXX long sleeve shirt ( Item # XXXX ) because it was too big. I returned it in XXXX but was not credited until after the billing statement for XXXX came out. So, I was then charged my first bill for the month of XXXX and paid extra making a payment of {$36.00} on XX/XX/XXXX. When my XXXX statement came out, it said I had an outstanding balance of {$100.00} ( because the return hadnt been credited yet, so I was charged interest on the {$30.00} XXXX Shirt ). The minimum amount due was {$19.00} but I made a payment of {$36.00} as I wanted to pay extra to show good character and creditworthiness. I should have had an outstanding balance of {$37.00} on my XXXX statement, but XXXX failed to credit me for the interest charged on the XXXX shirt I returned and also the taxes they charged on the {$30.00} shirt.
So, on my XXXX of XXXX Statement, it showed I owed {$71.00}, including the {$1.00} I was charged on the wrong amount. The minimum due was {$19.00} but I went ahead and made a payment of {$25.00} on XX/XX/XXXX. That would have left my true balance of approximately {$12.00} but most likely LESS than that due to the overcharging in interest for the returned shirt and the overcharging of taxes on the returned shirt. SO, my last payment was made on XX/XX/XXXX, leaving somewhere between roughly $ XXXX {$12.00} in total to have my account paid in full. Due to a lawsuit, I was never informed of, I was sued by XXXX 4 years after I surrendered a vehicle and then another 5 years later ( in XXXX ) they began to garnish my wages, so I filed for XXXX XXXX bankruptcy on XX/XX/XXXX. I let my attorney know that I wanted to KEEP my XXXX account and I actually made several attempts to pay the remaining balance. But instead of accepting my {$10.00} payment or however much it truly was, XXXX started reporting as of XX/XX/XXXX, on my Transunion credit report in XXXX XXXX bankruptcy, wage earner plan, account closed, and it was showing up as the only DEROGATORY, on my entire TransUnion credit report.
Then comes my XXXX credit report which Shows nothing but the account open date ( XX/XX/XXXX ) which is incorrect. It was opened XX/XX/XXXX. It also shows the account as closed and under remarks says, XXXX XXXX bankruptcy. Neither my TransUnion or XXXX credit reports show any, or they have missed payment history and the balances reported are completely incorrect. My XXXX credit report shows the date opened as XX/XX/XXXX, which I incorrect. It also says, debt discharged through bankruptcy XXXX XXXX, XXXX, or XXXX It fails to show the original balance, Monthly payment, and past due amount. It also shows for the month of XXXX that I missed a payment which is completely false and is negatively affecting my credit score. I never missed a payment to XXXX, always paid extra, and have tried contacting several people about how to get this resolved. I tried tirelessly to pay the approximately {$10.00} I Owed, but was either transferred to a different representative, hung up on, told to write and mail a letter ( which I did on XX/XX/XXXX ). I did EVERYTHING in my power to get this derogatory mark off my credit which I had been trying very hard to fix. All of my efforts were for nothing. I continued to get lied to and was always given the runaround. So eventually I began disputing the information with all three credit bureaus MULTIPLE times as the results were always in the favor of XXXX. I even submitted all my evidence with my disputes. My federal bankruptcy papers clearly state that no creditor is allowed to collect money from me while I am in bankruptcy proceedings or after a debt is discharged. Although XXXX was not listed on my bankruptcy or discharged, they were reporting my account as discharged in bankruptcy. However, on XX/XX/XXXX of XXXX, XXXX agreed that if I paid the remaining balance of my account in the amount of {$14.00} they would remove all derogatory information from my credit reports. So, I made a {$14.00} payment right then and there. So that proved that the account was in fact, not included in bankruptcy because they are not legally allowed to accept payment for a debt discharged in XXXX XXXX bankruptcy according to my federal court documents. XXXX accepted a payment from me and told me to give it approximately 30 days for the changes to be reflected on my credit reports.
After 30 days, there were no positive changes made to what XXXX was reporting. They agreed to report the account as Paid in full, closed by customer and with all positive payment history. Instead, they reported even more negative false information. My XXXX credit report currently as of XX/XX/XXXX has Fingerhut reporting account opened XX/XX/XXXX ( false-it was opened XX/XX/XXXX ), Discharged through XXXX XXXX bankruptcy ( even tho I paid every single penny I owed to them ), and for the month of XX/XX/XXXX under payment history it says, Charged off ( which is also falsely reported information ). My XXXX credit report has XXXX reporting my account opened XX/XX/XXXX and it says included in bankruptcy which are both incorrect. My TransUnion credit report has XXXX reporting the original balance as {$100.00}, account opened XX/XX/XXXX and status as, unrated or bankruptcy, which once again is incorrect.
I have contacted XXXX via phone and letters. I have filed multiple disputes with each credit bureau including all my evidence, but nothing has ever been corrected and Im always left frustrated and feeling defeated. I did the right thing and paid that creditor off when legally I didnt even have to, and this is what I get in return. This company conducts unfair and illegal business practices and needs to be looked into. I have all the evidence to back up this letter, including recorded phone calls to XXXX customer service where I was completed lied to.
I apologize for such a lengthy letter, but I wanted to give you every detail of what XXXX has put me through. It has cause severe XXXX, frustration, and the feeling of hopelessness. I have spent days and days of my life trying to get this corrected. I do not want anyone else to have to go through what I have with this company that I paid in full. I wish I would have submitted a complaint to the consumer financial protection bureau sooner, but I have 100 % complete faith that you will look into this complaint and make this company right its wrongdoings.
Thank you so much to whoever has taken the time to read this. I truly appreciate it.
XXXX XXXX
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| 02/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I, XXXX XXXX firstly is a Living Man and a consumer. As I recently looked over my Credit Report via idenityiq that I have recently signed up with to get my current report. I noticed inaccurate Accounts and Inquires on my credit report that Is unauthorized and I am a victim of IDENTITY THEFT according to 18 USC 1028A The accounts below open/closed and in collections is not mines and has been done without my consent or authorization. All transaction, or charges are result in such action of identity theft. I DEMAND that you DELETE the fraudulent accounts and any related finance charge and other charges from my account, send me an updated and accurate credit report, and delete the account. I also DEMAND that you CEASE AND DESIST reporting inaccurate information to my credit report without getting my Written consent First in PURSUAT TO 15USC1681 ( b ) ( XXXX ).
Enclosed is a copy of my Identity Theft Report where I reported such CRIMES/ VIOLATION, and a copy of my credit report showing the fraudulent items related to your company that are result in identity theft. Consumers should redact information that is unrelated to the dispute with TRANSUNION. Also, enclosed is a copy of the Notice to furnishers issued by the federal trade commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher/AGENCY. THIS IS NOT A DISPUTE NOR AM I REQUESTING A INVESTIGATION ; I AM DEMANDING YOU DELETE THESE ACCOUNTS IN THIS LETTER BECAUSE ALL CAN NOT BE PLACED IN A FTC Report.
According to UNITED STATES FEDERAL CODE TRANSUNION is in VIOLATION of 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. There was never any written consent for this information to be posted onto my consumer profile without my written consent. 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ] ( d ) Consumer Report ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 604 [ 1681b ]. 15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Your company is in VIOLATION of federal law by making me a victim of Identity Theft according to 18 U.S. Code 1028A - Aggravated identity theft ( XXXX ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 7 ) the term means of identification means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any ( A ) name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; ( B ) unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; ( C ) unique electronic identification number, address, or routing code ; or ( D ) telecommunication identifying information or access device ( as defined in section 1029 ( e ). Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your Company has VIOLATED federal laws and can be held liable according 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I DEMAND YOU DELETE ALL ACCOUNTS AND INQUIRES LISTED BELOW AND DO NOT POST FUTURE INFORMATION REGARDING ANY OF THE ACCOUNTS AND INQUIRES. AND IF YOU NOT, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY ( 30 ) BUSINESS DAYS AFTER RECEIVING THIS LETTER FOR, 1 ) Defamation of Character 2 ) Damage to Credit Worthiness 2 ) Violating the FAIR CREDIT REPORTING ACT 3 ) Causing me anxiety, grief, and depression Violations Aggravated Identity Theft 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A 18 U.S. Code 1028A TRANSUNION is VIOLATING FEDERAL UNITED STATES CODES and WILL be held LIABLE according to 15 U.S. Code 1611 and I wont hesitate to FILE A LAWSUIT AT PHILADELPHIA MUNICPAL COURT.
I DEMAND YOU DELETE AND BLOCK ANY ACCOUNTS FROM REPORTING ON MY CONSUMER PROFILE!!!!
ACCOUNTS : Original Creditor : XXXX XXXX Open date : XX/XX/XXXX Amount : {$540.00} Account # : XXXX Original Creditor : XXXX XXXX Open date : XX/XX/XXXX Amount : {$510.00} Account # : XXXX Original Creditor : XXXX XXXX XXXX XXXX Open date : XX/XX/XXXX Amount : {$610.00} Account # : XXXX Original Creditor : XXXX Open date : XX/XX/XXXX Amount : {$430.00} Account # : XXXX Original Creditor : XXXX XXXX XXXX Open date : XX/XX/XXXX Amount : {$710.00} Account # : UNKNOWN
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| 03/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Possible violation of Fair Credit Reporting Act In XXXX of XXXX I elected to file a chapter XXXX bankruptcy. At the time I had a loan with XXXX Bank on a car, for which I needed to keep. I am a nurse, a mother of XXXX young girls, and trying to put myself through school. I needed to keep the car in question, and I had made every payment on time up to that point. This is the account in question. I believe I was mistreated and misled as to how to make payments while in XXXX, and the result is a negative mark on my credit which is incorrect and unfair.
Timeline : In XX/XX/XXXX I filed a chapter XXXX bankruptcy. I immediately called XXXX and explained that I had filed ( they already knew as the court sent them notices ). Below is a record of who I spoke to and the events that ensued : XX/XX/XXXX I spoke to a person named XXXX. For future reference, none of the customer service representatives give out their last names anymore. XXXX was kind, and explained to me the options that I had. He explained that at some point, XXXX ( The Company ) would ask if I wanted to re-affirm the debt, meaning I could continue making payments and keep the car. As I needed to keep the car, I told XXXX that I wanted to re-affirm the dent immediately. He explained that wasnt possible yet. I offered to make a payment, and he advised me that I would not be permitted to make a payment while in XXXX.
At that point I had a pre-scheduled payment that had come out of my bank account about a week prior. XXXX was not able to confirm such a payment, as he advised that he can not discuss any details while I was in XXXX. I was told to call back in a month.
XX/XX/XXXX I called and spoke to a customer service rep named XXXX. She explained the same thing as XXXX had a month before, but I was becoming worried. I wanted to make a payment on the car, I didnt want to lose it, and I was worried they would report me as late to the credit bureaus. XXXX advised me that while she could not discuss the account with me, she could at least tell me that there will be no negative reporting to the credit agencies while I was in XXXX. She also explained that although I was asking to make payments, I would not be allowed to do so, on account of the case.
She told me to call back in a few weeks.
In mid XXXX, I called and spoke to XXXX different customer service reps, XXXX and XXXX. First I told XXXX that I was told I could in fact make a payment while I was in XXXX according to my lawyer. But that the company wasnt allowed to collect against me. At that point, XXXX said oh youre in XXXX, I need to transfer you to a special department. This seemed odd to me as Ally knew from the date of filing that I was in XXXX, and only now was I being sent to a special department. The person in the new department was named XXXX. XXXX was adamant that the bank would work everything out with me once the XXXX was XXXX. Additionally I was now told that I could make a XXXX XXXX payment or direct deposit from my bank if I wanted to in order to continue paying. I agreed and made the payment ASAP.
Upon calling back, I could not reach XXXX, and the new person named XXXX now told me that whether I made the payment or not, she was not able to say. She could not discuss the account with me. I was becoming distraught. How in the world was I supposed to be able to track whether my payment came in? This all seemed strange to me, as here I was, calling every few weeks, begging to make a payment, and up to this point - was told I could not. Now, at this point I am told that I COULD make a payment, but the company would not be able to confirm receipt. This felt suspicious and unfair. I reasoned it wouldnt be wise to make future payments if the company couldnt even provide a receipt. For all I know, that payment could have gone anywhere. XXXX told me that I should call back in a few weeks as my discharge was imminent, and that I would be able to make a full payment then.
Its important to note that I was able, capable, willing and offering to make a full payment each and every time I called the company. Im sure the calls are recorded, and so Im sure proof of this this could easily be attained.
In XXXX I spoke to XXXX who told me that I would be able to re-affirm the debt for a particular amount ( the instructions here on the CFPB site direct me not to disclose that amount here - theres a separate section ). I immediately offered to pay the amount in full right then, but was told that even though I had obtained my discharge, my account was still in the XXXX department at the company and so I couldnt make the payment. I explained how helplessly upset I was at all this, and how I was scared they would report me as having missed payments - while in fact I had been trying for months! XXXX assured me that the company would not report me as late, or assess late fees, as they had the record of me calling every few weeks. I think she felt bad for me. She told me that as soon as the account came out of the XXXX department I would get a call, and the company would work everything out with me at that point.
In XX/XX/XXXX I was finally noticed that I had to pay the account current immediately to protect my credit. I was relieved and paid it at once. I was assured by XXXX that my credit would be protected and no late reports would be made, or special fees assessed. The payment was sufficient to bring my account current. Which was all I was trying to do since XXXX.
Now last week I see that my credit is showing late for : XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXX XX/XX/XXXX I am furious! This could not be more unfair. The company promised me this wouldnt happen.
I tried to make the payments and I was not permitted to. Now my credit is harmed even worse as it looks like I cant even pay this small bill.
As I said, I am a nurse. My job is to treat people and make their hospital visits a good and calming experience. I work nights on my unit, and I do my best to treat people with care, compassion, and respect. I am trying to get student loans to continue my degree advancement as one day I want to teach. This XXXX on my credit will harm my ability to get federal loans, as well as advance in my career. In essence, it seems incredibly unfair to portray me credit file as having all these missed payments, as it is absolutely misleading and not at all an accurate description of what happened. I am wondering if this is a violation of the Fair Credit Reporting Act?
I feel as though I did absolutely EVERYTHING I could to make these payments so this wouldnt happen. Its not fair what they are doing to me, and I need help. I was not late XXXX time before the XXXX event, or since. This is not the way to treat people. Especially a first responder, like me.
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| 05/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1700.00} High Balance {$1700.00} Remarks Consumer disputes this account information Collection accountXX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$450.00} High Balance {$220.00} Remarks Consumer disputes this account information Collection account XXXX XXXX, XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$450.00} High Balance {$220.00} Remarks Consumer disputes this account information Collection account Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$460.00} High Balance {$410.00} Remarks Consumer disputes this account information Affected by natural disaster all above are debt collection violations : The Fair Debt Collection Practices Act ( FDCPA ), Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 ( and as subsequently amended ) is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act. The statute 's stated purposes are : to eliminate abusive practices in the collection of consumer debts, to promote fair debt collection, and to provide consumers with an avenue for disputing and obtaining validation of debt information in order to ensure the information 's accuracy. [ 1 ] The Act creates guidelines under which debt collectors may conduct business, defines rights of consumers involved with debt collectors, and prescribes penalties and remedies for violations of the Act. [ 2 ] It is sometimes used in conjunction with the Fair Credit Reporting Act. [ 3 ] [ 4 ] XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit {$500.00} Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} XXXX XXXX XXXX violations : XXXX to Pay {$570.00} Million as Part of Settlement with FTC, CFPB, and States Related to XXXX Data Breach XX/XX/XXXX Creditor Name XXXX XXXX Account Type Secured Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit XXXX XXXX Account Type Installment Sales Contract Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- XXXX XXXX Account Type Charge Account Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account.
Balance {$4500.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$4500.00} Times 30/60/90 Days Late XXXX Remarks Charged off account Fixed rateXXXX XXXX, XXXX - The 4,500-employee company, which started in XXXX, started offering credit to consumers in XXXX. These lawsuits allege XXXX XXXX violated federal telecommunication laws prohibiting telemarketers and debt collection agencies from calling consumers ' cell phones using automatic dialing systems without their express consent.
You visited this page on XX/XX/XXXX.
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Searches related to XXXX ftc violations XXXX XXXX suing me XXXX XXXX customer service XXXX XXXX complaints XXXX XXXX payment XXXX XXXX debt settlement XXXX XXXX XXXX XXXX phone number Page NavigationXXXX XXXX, XXXX Creditor Name XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Open Opened DateXX/XX/XXXX Closed Date -- Limit -- Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Education Loan Account Status Open Opened Date XX/XX/XXXX Closed Date --
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| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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TRANSUNION INTERMEDIATE HOLDINGS, INC is reporting a non-valid, fraudulent bankruptcy on my personal credit, that has resulted in me being denied credit. Ive submitted a letter I received directly from the bankruptcy court that states ( 1 ) My information does match any of their records, ( 2 ) The bankruptcy court does not submit ANY INFORMATION to any credit bureaus PERIOD. I've submitted several disputes to request their full investigation as to " HOW '', and " WHO '', they verified this to be valid with, to my surprise they did not validate the information as I was told on a phone call with XXXX on XX/XX/2018 at XXXX PST ( With the proof letter I submitted to TRANSUNION from the courthouse stating it was not a valid bankruptcy should have been enough to delete the fraudulent bankruptcy from my credit file ).
This is WRONG as the BANKRUPTCY COURT should be the furnisher of information and not a third-party service such as XXXX or XXXX. TRANSUNION INTERMEDIATE HOLDINGS, INC has admitted that it did not verify the " unverified '' account with the Bankruptcy Court and therefore, they never had possession of valid copies to validate this bankruptcy before putting this " unverified '' item in my credit files. I have asked TRANSUNION INTERMEDIATE HOLDINGS, INC to provide me with documents they had in their actual files before listing this item in my credit files. They have BLATANTLY refused to provide me with this information. ( 2 ) Further, I have spoken directly with the Bankruptcy Court and have attached a letter from the United States Bankruptcy Court of Washington verifying that my information does not match their records for a bankruptcy and, they do NOT report or provide any information to ANY credit agency including TRANSUNION INTERMEDIATE HOLDINGS , INC .
This proves that TRANSUNION Credit Bureau NEVER had documents in their possession before putting the " unverified '' item ( s ) on my credit file ( s ). FCRA, Section 609 a ( 2 ) regarding disclosures : Under federal law they needed to provide actual documents showing they legally met the FCRA requirements for validation ( which they admitted they did not ).
However, TRANSUNION Credit Bureau last response was that they " Verified as Accurate '' the bankruptcy and again failed to provide physical documentation. I have asked TRANSUNION Credit Bureau to provide me with a physical copy and their method of verification which includes : name of the courthouse, person 's name they verified with, address, telephone number, and copies of the document that they used to validate this bankruptcy. TRANSUNION Credit Bureau has blatantly ignored my request on several different occasions. They failed to provide me PHYSICAL proof of all original documents that I signed that they have on file that they used to actually verify the accuracy of said disputed item ( s ) BEFORE they listed them in my credit file ( s ). Under federal law,, FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available I did not request that TRANSUNION Credit Bureau issue a statement as to Item was verified. TRANSUNION admitted on a recorded phone call they simply sent an electronic communication to verify and listed no point of contact to meet minimum requirements IAW the FCRA. I requested from TRANSUNION Credit Bureau that they provide me with immediate support to delete the non-valid bankruptcy and they transferred me to their escalation department and put me on hold several times, waiting for someone to look at my documents. This indicated to me that they ( 1 ) did not properly review my documents I had certified mailed them and ( 2 ) that they failed to read the letter I included with my dispute stating directly from the court house the bankruptcy was not mine ( again according to the actual court house ). After being on hold for about 18 minutes they hung up the phone. I am beyond stressed over the way this has been handled and my personal credit has been violated by this company for far too long.
Upon reviewing TRANSUNION Credit Bureau response, I can see that they DO NOT HAVE PHYSICAL PROOF OF VERIFICATION of said items. I demanded that in the event, that TRANSUNION Credit Bureau was either unwilling, or unable to provide to me the requested documentation, that TRANSUNION Credit Bureau IMMEDIATELY remove said item from appearing on, or in my credit files and reports.TRANSUNION Credit Bureau has refused to provide me with physical/documented proof of verification of all items that I detailed and claimed as " unverified '' accounts which is a direct and willful violation of federal consumer protection laws and or acts, i.e., FAIR CREDIT REPORTING ACT 15 U.S.C. 1681/DODD-FRANK WALL STREET REFORM and CONSUMER PROTECTION ACT 12 U.S.C. 5536 and the FEDERAL TRADE COMMISSION TITLE 15-COMMERCE and TRADE CHAPTER 41-CONSUMER CREDIT PROTECTION SUBCHAPTER III CREDIT REPORTING AGENCIES. Previously I had cautioned TRANSUNION Credit Bureau NOT to respond to my prior four dispute letters by stating " said items had been verified. '' My legal demand was, and still is, that TRANSUNION Credit Bureau REMOVE/DELETE SAID ITEMS FROM APPEARING ON MY CREDIT REPORT. Again, to date, TRANSUNION Credit Bureau had yet to provide me with any requested and required physical documentation that meets the FCRA. I have the legal right to demand that TRANSUNION Credit Bureau delete the contraband bankruptcy from ever appearing on my credit file ( s ). By Federal Law/Act, they are required to provide to me the aforesaid PHYSICAL documents, proving to me that they have in fact adhered to the letter of the law regarding this matter. Under the FCRA, if TRANSUNION Credit Bureau can not, or will not provide me with the legally requested physical verification documents, then TRANSUNION Credit Bureau must delete said items from appearing on my credit report. I have attached a number of supporting documents ( copies of the previous letters certified mailed and the letter I received from the court house ). ( 1 ) letter from the Bankruptcy Court, ( 2 ) certified stamps proving that I have expended reasonable due diligent in giving the aforementioned credit bureau ample opportunity to either provide the physical documentation evidence of verification ( 3 ) copies of previous dispute letter.
Note that the certified mail numbers are listed on the top of the sent letters.
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| 12/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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Greetings, I have sent a letter regarding opt-out, but wasn't updated. I have sent a letter regarding all inquires being removed, but hasn't been removed. I have sent a letter regarding charge-off, which is a certification of indebtness and should be removed. Income can't be reported and it is illegal to report transaction history. I have called to remove all personal information expect for the name ( XXXX XXXX ) and address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ). All address other than this is non-mailable address. References : 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out. ( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice. ( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer. ( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 313.4. ( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice later than required for the initial notice in accordance with 313.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically. ( d ) Joint relationships. ( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice, unless one or more of those consumers requests a separate opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer ( as explained in paragraph ( d ) ( 5 ) ( ii ) of this section ). ( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately. ( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers. ( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction. ( 5 ) Example. If XXXX and XXXX have a joint credit card account with you and arrange for you to send statements to XXXX 's address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXX 's address, but you must accept an opt out direction from either XXXX or XXXX. ( ii ) Treat an opt out direction by either XXXX or XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXX 's opt out direction. ( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so, ( A ) You must permit XXXX and XXXX to opt out for each other; ( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ) ; and ( C ) If XXXX opts out and XXXX does not, you may only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly. ( XXXX ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it. ( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time. ( g ) Duration of consumer 's opt out direction. ( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically. ( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship. ( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 313.9. ( i ) Model privacy form. Pursuant to 313.2 ( a ) of this part, a model privacy form that meets the notice content requirements of this section is included in appendix A of this part. 5 U.S. Code 552a - Records maintained on individuals 15 U.S. Code 1692j 15 U.S. Code 1681 ( e ) ( i ) 15 U.S. Code 1692g In result, a breach of the FCRA and my federal rights.
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| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. Identity Theft XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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After looking at my consumer report, It appears to me that I am a victim of identity theft. There are collections, closed accounts, charge-offs, OUT DATED INFORMATION and inquiries that are fraudulently being reported. These accounts are indeed fraudulent, containing inaccurate information and multiple discrepancies that are being reported on my consumer report. In pursuant to 15 U.S.C 1681 section 604 A section 2 : it states that a consumer reporting agency can not furnish an account without my written instructions. Pursuant to this none of the consumer reporting agencies asked nor were they ever given my permission to furnish this information. I state I DID NOT give written consent to any of the consumer reporting agencies to furnish any of this information. The consumer reporting agencies have assumed this vital role, and infringed my rights both personally and as a consumer. Pursuant to 15 U.S.C 1681 ( 4 ) My privacy has been invaded and damages have been done to my mental health by the added stress of such reports on my credit score that have been a total invasion of privacy. These accounts are damaging my good credit reputation and have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Closed Accounts : XXXX XXXX. Collection Accounts : XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXX # XXXX ( Original Creditor : XXXX XXXX XXXX. INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX AND ALL OTHER INQUIRIES NOT LISTED, REMOVE THESE IDENTITY THEFT ACCOUNT ASAP!!! 5 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. According to 15 USC 6802- Obligations with respect to disclosures of personal information ( a ) Notice Requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a Notice that complies with section 6803 of this TITLE. NOTICE TO PRINCIPAL, NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL. Please be advise this is my FINAL WRITTEN request and final warning that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights to seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. All of these accounts have violated the laws listed above According to FCRA AS WELL AS THE GRAHAM-LEACH-BLILEY ACT : FINANCIAL INSTITUTIONS COVERED BY THE GRAHAM-LEACH-BLILEY ACT, MUST TELL THEIR CUSTOMERS ABOUT THEIR INFORMATION SHARING PRACTICES AND EXPLAIN TO CUSTOMERS THEIR RIGHT TO " OPT OUT " IF THEY DON'T WANT THEIR INFORMATION SHARED WITH CERTAIN THIRD PARTIES. NONE OF THE ACCOUNTS LISTED ABOVE FOLLOWED THE REQUIREMENTS OF THE PRIVACY RULE!
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete INACCURATE, Unverifiable and Invalidated information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the INACCURATE, Unverifiable and Invalidated items listed below are not deleted immediately. A copy of this letter as well as copies of the letters sent to your company of the debt validation request sent by certified mail number XXXX and Fault with Opportunity to Cure letter sent by certified mail number XXXX to XXXX XXXX XXXX which the company received but failed to validate not respond, as well as a copy of the debt validation request sent by certified number XXXX and Fault with Opportunity to Cure Letter sent by certified mail number XXXX to XXXX XXXX XXXX which the company received but fail to validate nor respond. INACCURATE ERRONEOUS ITEMS sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. YOU ARE IN DIRECT VIOLATION OF THE FCRA, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly. In response to your results, I sent a Verification Request to your company by certified mail XXXX which you received but failed to respond nor provided the requested verification such as Who verified these accounts and complete method of verification. Also included was a notice of fraud and final Plea. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. FURTHERMORE, I did not consent to e-Oscar or any means of automated verification. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my RIGHTS. Please be aware I am including a copy of my complaint to the agencies/organizations below : CC Director of Consumer Financial Protection Bureau , CC : Attorney Generals Office, CC : State Senate , CC : Federal Deposit Insurance Corporation , CC : Comptroller Of The Currency, CC : Federal Reserve System, CC : Credit and insurance, CC : Federal Trade Commission , CC : State Regulatory agency .
All rights reserved, XXXX XXXX
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| 12/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
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Web |
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This company has failed to report this account to all 4 credit bureaus for the account owner as well as the authorized users. This account should be reporting to XXXX, XXXX, Transunion and XXXX for the account owner and all of the authorized users however, it is not! We have called this company on numerous occasions within the last year, almost every month requesting them to update and submit this information to the credit bureaus. The agents have disconnected the calls, transferred us to incorrect departments, advised us to contact the credit bureaus instead of them sending an updated report. They have advised us that they have no control as to what the credit bureaus are or are not reporting. We contacted the credit bureaus individually and separately regarding this matter and they continue to tell us to contact the actual creditor. For an entire year, we continue to get the runarounds and this issue has yet to be resolved. We are requesting that ALL credit bureaus are updated to reflect this account 's entire payment history since account opening. The company has also failed to update the address correctly on the account. We have called to advise that the residential AND mailing address should be the same. There should NOT be two different addresses reporting! They have stated that they've updated the account but online it STILL reflects the wrong residential address! We are requesting that the company reimburse for all purchases made on the account from XXXX and for in store purchases made due to the scanner not working, the store not being able to scan partial payments and the company not releasing the over payments made on the account for immediate or further use. We called XXXX XXXX regarding a credit balance in XXXX and the agent told us that they don't issue checks for overpayments. We then had an over payment for the XX/XX/XXXX statement closing date and was not able to use it in the store because the agent stated that they have to make sure that an online payment made to them on XX/XX/XXXX had actually cleared as of XX/XX/XXXX. 14 days later? There has never been a returned payment on this account! There has never been a late payment made on this account! The ONE payment that was considered late by a FEW DAYS WAS A XXXX XXXX ERROR because we requested to update and correct the address OVER THE PHONE with a LIVE agent and she entered the incorrect address so we NEVER received a statement! Even though we DID NOT receive a statement, AND HAD NO IDEA WHAT THE STATEMENT BALANCE WAS, THE MINIMUM PAYMENT DUE, WE STILL MADE A {$25.00} PAYMENT DURING THE BILLING CYCLE IN WHICH A PAYMENT WAS DUE. THE DIFFERENCE THAT WAS NEEDED WAS UNDER {$10.00}. I BELIEVE IT WAS SOMETHING LIKE {$3.00} OR {$4.00}. We are requesting a letter on company letterhead from XXXX XXXX confirming that it was there error and that it was updated, the late fee and interest was credited to reflect company error and not as a courtesy credit because a courtesy means we were at fault and as a courtesy you issued a credit. We also need this to be updated on the account in the customer notes because every time we call regarding an increase, this issue is brought up as if it was OUR error and not yours! We need this to be completed effective immediately! Each issue needs to be addressed separately! A different letter needs to be sent to us separately regarding each issue and not be combined in one letter! We are requesting that these issues are resolved and expediated immediately! This company STLL has the address wrong! They have spelled XXXX as XXXX which in turns adds an INACCURATE address to the credit bureaus! When attempting to dispute or delete this INCORRECT address to the credit bureaus, we're being told that it is linked to an active account. WE STILL DO NOT RECEIVE STATEMENTS BUT TO ENSURE THAT THERE IS NEVER A LATE PAYMENT WE HAVE SETUP ONLINE BANKING AND HAVE REOCCURING PAYMENTS SENT TO XXXX XXXX! WE HAVE MADE EVERY ATTEMPT TO RESOLVE MATTERS WITH THEM AND THEY CONTINUE TO FAIL US EACH AND EVERY TIME. THE GOAL IS FOR OUR CREDIT INFORMATION TO ALWAYS REMAIN ACCURATE AND CORRECT! THIS COMPANY HAS PARTICIATED IN FALSELY REPORTING INFORMATION AND/OR NOT REPORTED INFORMATION AT ALL! AFTER THE ADDRESS IS UPDATED AND CORRECTED, WE NEED FOR IT TO BE SUBMITTED TO THE CREDIT BUREAUS CORRECTLY! WE NEED A LETTER TO BE MAILED CONFIRMING THAT IT WAS CORRECTED. WE EXPECT ALL OF THESE MATTERS TO BE RESOLVED WITHIN 10 DAYS OF THIS COMPLAINT! Thank you so much for your immediate attention to these matters! A credit line increase was requested on XX/XX/XXXX and the letter stated that they used a credit report from XX/XX/XXXX which was more than 30 days old and would not have included the most accurate and up to date credit information. A new credit line increase was requested on XX/XX/XXXX and the letter stated that a report dated for XX/XX/XXXX was used which was also older than 30 days and wouldn't have included to the current and accurate information being reporting. I was also told that the application was denied because I had a cease and desist hold on my account. We requested that the cease and desist be lifted or removed back in XXXX, XXXX, XXXX, XXXX and now XXXX of XXXX. The company has failed to remove it thus far. Each conversation the representatives confirms that it's lifted yet, that too is another lie! As of XX/XX/XXXX it still remains. It was also requested to be removed on that day as well. No call was made to ensure that the last representative followed through with the request. On XX/XX/XXXX a reconsideration of the denied credit line increase from XX/XX/XXXX was requested over the phone via another agent who confirmed that the cease and desist was the reason for the previous denials. AGAIN the letter does not reflect any of that information but does show that they went off of a report from XX/XX/XXXX which was AGAIN more than 30 days old. WE ARE NOT REQUESTING A NEW CREDIT REPORT TO BE PULLED AT THIS TIME! WE ARE SIMPLY CONFIRMING HOW INCONSISTENT THIE INFORMATION IS VIA THESE CUSTOMER SERVICE REPS. HOW THEY LIE TO KEEP FROM DOING THEIR JOBS AND TO GET CUSTOMERS OFF THE PHONE QUCKLY AND NOT ATTMPT TO PROPERLY ASSIST. HOW ONE 'S LIVELY HOOD IS AFFECTED DUE TO INCORRECT INFORMATION AND INCORRECT REPORTING. NOT ONLY IS THIS COMPANY NOT REPORTING INCORRECTLY, THEY ARE USING OTHER INCORRECT INFORMATION TO DETERMINE MY CREDITABILTY. THE PROOF IS IN THE PUDDING! NO LATE PAYMENTS EVER! NO FINANCE CHARGES EVER! NO LATE FEES EVER! NO MISSED PAYMENTS EVER! YET THEY ARE REPORTING AND REFLECTING OTHERWISE! FALSE AN/OR MISSING INFORMATION BEING REPORTING. UPDATE AND CORRECT THE INFORMATION EFFECTIVELY IMMEDIATELY FOR THE ACCOUNT OWNER AND ALL AUTHORIZED USERS EFFECTIVE IMMEDIATELY!
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| 02/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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TODAYS DATE : XX/XX/XXXX IN RESPONSE TO CFPB COMPLAINT IN ASKING FOR 60 DAYS TO RESPOND [ Subject of Letter : Suppression Request ] To Whom It May Concern : According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days.
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX Bank XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX National Credit Cards/Airlines XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX Inquiry from XX/XX/XXXX Telephone Companies XXXX/XXXX Inquiry from XX/XX/XXXX Retail, Not Elsewhere Classified XXXX XXXX XXXX Inquiry from XX/XX/XXXX Miscellaneous Reptg. Agencies XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX All Banks XXXX Inquiry from XX/XX/XXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information.
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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| 09/09/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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Please allow each number provided in the attachment dated XX/XX/XXXX as a reply to the electronic response provided by XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) # XXXX On XX/XX/XXXX I filed a complaint against XXXX XXXX XXXX, within my initial complaint I stated XXXX XXXX XXXX is not an honorable company due to proof of my certified letters to this company being ignored. XXXX XXXX ( Please be advised that I requested an authorized representative of XXXX XXXX XXXX ) after calling the number provided by XXXX XXXX There is no employee by that name currently employed at XXXX XXXX XXXX XXXX was thankful for the opportunity to respond to my complaint with the CFPB but will not provide proof that I was properly notified by mail. I have proof of US Postal mail with certified return receipts, signatures, stamps, proof of tracking, and proof of my current address. NOTE : ALL documents provided by XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) is not my current address.
# 2 Please prove that I was honorably allowed the right to prove this debt does not belong to me. As I stated before this debt was transferred several times XXXX ( XXXX ) times to be exact. Within the questionable documents provided by XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) provided no accurate contact information and stated the Holder in Due Course WAS XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Federal Family Education Loan Program ( FFEL ) Consolidation Loan under account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, U.S. Department of Education ( ED ), Stafford Loan under account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX, and XXXX XXXX.
XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) did not provide any addresses to contact any of above-mentioned businesses making it extremely difficult for communicating honorably.
Documents provided by XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) prove that all above-mentioned companies are not Holders in Due Course as proven with copies of my name and not my signature handwritten by myself.
# XXXX Today is XX/XX/XXXX and I have yet to receive a valid reply such as what is attached by mail. Is there any valid reason why my letters sent directly to this company was ignored? I would like for XXXX XXXX XXXX to prove that I received any goods or services from them. XXXX XXXX XXXX is the only company currently reporting 2 accounts with the same open dates and two different original balances to my credit file while admitting NOT to be debt collectors under the FDCPA. ( According to the reply from XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) # 5 The questionable Promissory note provided by XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) is in-fact not accurate, there is no proof of any contractual agreements with any party listed above. Please provide the original promissory note so that I may properly inspect it and honorably resolve any issues regarding this matter. Also include all tax documents to support all above-mentioned companies are in compliance with the IRS.
XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX ) stated We redacted your identity sensitive information ( Social Security number, Drivers License number, and date of birth. ) I would like the name of the authorized representative who participated in sharing my private information also.
# 6 The electronic signatures in Global and National Commerce Act passed in XX/XX/XXXX. This does not apply to debt collectors attempting to collect a debt on behalf/contractors of someone/their client.
Again, I am respectfully requesting the original promissory note so that I XXXX inspect it as I have not provided my signature electronically to any of the parties listed above. Please be advised : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, Federal Family Education Loan Program ( FFEL ) Consolidation Loan under account # XXXX, XXXX Assistance under account # XXXX, U.S. Department of Education ( ED ), Stafford Loan under account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX are NOT HONORABLE HOLDERS IN DUE COURSE.
# 7 Please provide the original promissory note so that I may inspect it as I have not provided my signature electronically to any of the parties listed above. William D. Ford Federal Direct StaffordXXXXFord Loan Direct Unsubsidized Stafford Loan is not a Holder in Due Course. Provide the Master Promissory Note XXXX XXXX XXXX NOTE : I do not self-identify as a borrower. ( the term used to harmfully identity me ) Provide the contract agreement between myself and XXXX XXXX XXXX XXXX XXXX ), Federal Family Education Loan Program ( FFEL ) Consolidation Loan under account # XXXX, XXXX Assistance under account # XXXX, U.S. Department of Education ( ED ), Stafford Loan under account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX and William D. Ford Federal Direct Stafford/Ford Loan Direct Unsubsidized Stafford Loan PROVING IVE ENTERED IN TO A CONTRACTUAL AGREEMENT. ( I respectfully request the original contractual agreement to prove an actual HOLDER IN DUE COURSE. ) # 8 I have not taken any action ( s ) that constitute the acceptance of the alleged repayment obligation. This can be proven otherwise by providing the original promissory note so that I may inspect it as I have not provided my signature electronically to any of the parties listed above.
# 9 XXXX XXXX XXXX not an authorized representative of XXXX XXXX XXXX stated We carefully reviewed your account Please provide ALL original contracts/promissory notes via US Postal Mail to support your authorization/obligation to ensure the data furnished by XXXX XXXX XXXX XXXX XXXX to the credit reporting agencies is accurate. NOTE : XXXX XXXX XXXX is the only company currently reporting 2 accounts with the same open dates and two different original balances to my credit file while admitting NOT to be debt collectors under the FDCPA. ( According to the reply from XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) ALL other companies listed by from XXXX XXXX XXXX who is not an authorized representative of XXXX XXXX XXXX ) is not reporting to my credit file.
# 10 XXXX XXXX XXXX XXXX will receive an honorable validation notice via US Postal mail, certified with return receipt. Please be advised I will not accept phone calls from any of the companies listed above due to the unprofessional mishandling of this alleged debt. I will keep all parties updated. XXXX XXXX XXXX XXXX is the only questionable company currently reporting to my credit file as shown in the attachments.
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| 11/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am a victim of identity theft. I am submitting this complaint to bring the Bureaus attention to the unfair practices of Transunion. On XX/XX/XXXX, my personal information was fraudulently misused in a XXXX XXXX XXXX XXXX credit card application. The credit card application consisted of my name, date of birth, and social security number in combination with my fathers home address whom which I share the same name. Furthermore, the phone number listed on the credit card application isnt mine and there is no email address listed on the application despite having a space for it. The most alarming issue with the credit card application is that there is even a space for a consumer to enter their drivers license information, however the drivers license number on the application is XXXX with no issuing state. Finally, the application reflects that it was verified by : system. Upon submission of the fraudulent credit card application, Transunion furnished my consumer report to XXXX XXXX XXXX XXXX without my written consent, a violation of 15 U.S.C. 1681b ( 2 ). I also must reiterate that the fraudulent credit card application blatantly displays that there was no proper identification provided to XXXX XXXX XXXX XXXX, which further proves that Transunion could not possibly have had a reason to believe that there was a legitimate business reason for the furnishing of my consumer report OR a reason to believe that XXXX XXXX XXXX XXXX was provided with identification prior to the submission of the fraudulent credit card application, a violation of 15 U.S.C. 1681b ( 3 ) ( A ) and 15 U.S.C. 1681c ( h ) ( 2 ) ( b ) ( i ). After the unlawful furnishing of my consumer report by Transunion, XXXX XXXX XXXX XXXX opened up a credit card account which is now being furnished on my consumer report despite my constant demands for the fraudulent account to be closed and removed from my consumer report. I sent Transunion and XXXX XXXX XXXX XXXX XXXX notice of the identity theft and requested the block and removal of the fraudulent hard inquiry and credit card account from my consumer report pursuant to 15 U.S.C. 1681c-2 ( a ). Instead of closing the account, XXXX XXXX XXXX XXXX replaced the fraudulent information with my actual information that I provided in my XX/XX/XXXX identity theft notice. My information was not provided to XXXX XXXX XXXX XXXX for them to falsify their records in order to misrepresent the ownership of this fraudulent account. XXXX XXXX XXXX XXXX knowingly possessed my identification information and used it without lawful authority, a violation of 18 U.S.C. 1028A ( a ). This is not an allegation, but a fact that has been CONFIRMED by an XXXXXXXX XXXX XXXX XXXX XXXX representative XXXX XXXX on XX/XX/XXXX. I have the full call recorded and Im more than willing to provide it to any investigator. Transunion received my identity theft notice on XX/XX/XXXX per USPS certified tracking. I received a letter from Transunion containing dispute results with a file number of XXXX and a date of XX/XX/XXXX. While Transunion properly deleted the hard inquiry requested by XXXX XXXX XXXX XXXX ( abbreviated to XXXX on the dispute results ) at XXXX XXXX XXXX, XXXX, OH XXXX, they erroneously verified the fraudulent XXXX XXXX XXXX XXXX credit card account in the same investigation, a clear violation of 15 U.S.C. 1681e ( b ). There is absolutely no way to justify the verification of an account that was opened as a direct result of the submission of a fraudulent application, the account is unverifiable by default. It is even more appalling that the fraudulent credit card account was verified as accurate when Transunion deemed the hard inquiry as fraudulent in THE SAME INVESTIGATION. Transunions failure to delete the fraudulent XXXX XXXX XXXX XXXX credit card from my consumer report, while simultaneously deleting the hard inquiry tied to the account, is a violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ). After receiving the contradicting results from Transunion, I sent another dispute outlining the aforementioned discrepancies in the results of their previous investigation, sent a complaint to my State Attorney General, and submitted a complaint through the bureau. The complaint ID is XXXX. I received another letter from Transunion containing another round of dispute results with the same file number XXXX and a date of XX/XX/XXXX. The results stated that Transunion deleted the fraudulent XXXX XXXX XXXX XXXX credit card account from my consumer report. On XX/XX/XXXX, I applied for a XXXX credit card and was denied due to the presence of a derogatory account on my Transunion consumer report. I was extremely confused and pulled my Transunion consumer report the following day. To my surprise, the fraudulent XXXX XXXX XXXX XXXX credit card account along with three unknown phone numbers were being furnished on my consumer report. However, the hard inquiry that resulted in the opening of the fraudulent account was not listed on my consumer report, further proving Transunions knowledge of the fraudulent nature of the credit card account. Transunion completely failed to notify me of the reinsertion by any form of communication within 5 business days of the reinsertion, violating 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). I sent yet another dispute to Transunion and another complaint to my state attorney general. On XX/XX/XXXX, Transunions legal department responded to my aforementioned CFPB complaint XXXX stating that the XXXX XXXX XXXX XXXX account was deleted from my consumer report. However, the account was not deleted from my consumer report. I do not appreciate Transunion blatantly lying as a response to my complaint through the Consumer Financial Protection Bureau. Shortly after, I received a letter from Transunion stating that they failed to notify me of the reinsertion due to an isolated technical issue, which further proves Transunions violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii ). On XX/XX/XXXX, Transunion responded to my complaint with the state attorney general, stating that they sent me notification of the reinsertion on XX/XX/XXXX via mail, which was already determined to be untrue in the failure to notify letter mentioned above. It is unfair for Transunion to be profiting off of violating a list of federal laws, misrepresenting facts to the bureau, and misrepresenting facts to the office of the attorney general at my expense. I have attached my drivers license as proper identification, a utility bill, FTC identity theft report, FBI police report, Transunions XX/XX/XXXX investigation results, Transunions XX/XX/XXXX investigation results, Transunions failure to notify apology letter, and a copy of the fraudulent XXXX XXXX XXXX XXXX credit card application.
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| 11/22/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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On XX/XX/XXXX I had sent a dispute letter to XXXX in regard to a charged off / canceled debt account and I have yet to receive a response from this company. XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. The Fair Credit Reporting Act, to be more specific, 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website for further evidence. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX for the cancelled debt of { {$3300.00} } in order to file as ordinary income. Where is my 1099-C XXXX is clearly writing off debt with the IRS without sending out XXXX as required by the IRS for debts greater than { {$600.00} }. Because of this I will report your agency to the IRS for tax fraud via the Form 3949-A form. XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and Transunion is not an affiliate of XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. If this company truly believe otherwise then I demand that they prove to me and the cfpb that XXXX, XXXX, and Transunion are " Bureaus '' as federal law describes it. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
XXXX must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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| 11/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the interest of the Credit Agency and its members as Data Furnishers : To my knowledge, as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment With regard to any access to education records procedures outlined in Title 20 U.S. Code 1232g must be followed and insure the records are not inaccurate, misleading, or otherwise in violation of the privacy rights of students, and to provide an opportunity for the correction or deletion of any such inaccurate, misleading or otherwise inappropriate data contained therein ; Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; I declare under penalty and perjury under the laws of the United States of America that the foregoing is true and correct. Title 28 U.S. Code 1746.
XXXX XXXX XXXX XXXX XXXX Living XXXX XXXX XXXX Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to file a dispute regarding the XXXX XXXX XXXX XXXX ( XXXX ) inaccurate and incomplete information being reported on my credit report. Specifically, I am requesting that you enforce the legal requirements outlined in the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ) with regard to the following violations : Section 607 ( b ) ( 1 ) of the FCRA requires that credit reporting agencies report accurate and complete information.
Section 607 ( b ) ( 7 ) of the FCRA requires that credit reporting agencies report the date of last activity on an account.
Section 312 ( b ) of FACTA requires that credit reporting agencies notify furnishers of information about a dispute.
Section 312 ( c ) of FACTA requires that credit reporting agencies promptly delete or modify any disputed information that is inaccurate or can not be verified.
Specifically, I am concerned about the reporting by XXXX XXXX XXXX, related to an account with the original creditor XXXX XXXX XXXX XXXX XXXX XXXX, with account number XXXX.
According to my credit report from XXXX and XXXX, the account type is listed as " Collection, '' while Trans Union reports it as an " Open Account. '' This discrepancy in reporting violates Section 607 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report accurate and complete information.
Additionally, Trans Union did not report the date of last activity on the account, while XXXX and XXXX reported different dates. This violates Section 607 ( b ) ( 7 ) of the FCRA, which requires credit reporting agencies to report the date of last activity on an account.
Furthermore, Section 312 ( c ) of the Fair and Accurate Credit Transactions Act ( FACTA ) requires credit reporting agencies to promptly delete or modify any disputed information that is inaccurate or can not be verified. If the disputed information related to this account is found to be inaccurate or can not be verified, XXXX XXXX XXXX must promptly delete or modify it.
XXXX XXXX XXXX, with account number XXXXAccording to Trans Union , the account type was reported as an " Installment account, '' while XXXX reported it as an " Auto Loan. '' This inconsistency may be inaccurate and incomplete, violating Section 607 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to report accurate and complete information.
Furthermore, all three credit bureaus report that I was 30 days late on XX/XX/XXXX, which is not true. I have not missed any payments on this account. This could be a reporting error and a violation of Section 623 ( a ) ( 1 ) ( A ) of the FCRA, which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of information.
XXXX XXXX XXXX and XXXX have reported on my credit report. Specifically, according to XXXX, the monthly payment, credit limit, and payment status were not reported for account number XXXX.
These violations of the FCRA have had a devastating effect on my life. As a result of these errors, I have been denied credit and have been unable to secure a loan for a home that I desperately need for my family. The stress and anxiety of being denied these opportunities have also impacted my health and my ability to work.
I am requesting that XXXX XXXX XXXX and XXXX remove these unverified collection accounts from my credit report. These accounts have been inaccurately reported and are unfairly affecting my credit score and my financial opportunities.
Furthermore, I urge the CFPB to enforce the legal provisions of the FCRA, specifically Sections 607 ( b ) ( 1 ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 2 ), which require credit reporting agencies to report accurate and complete information, maintain reasonable procedures for accuracy, and conduct a reasonable investigation of disputed information.
According to my credit report, the XXXX XXXX account ( XXXX ) shows a monthly payment of {$0.00} and does not report any past due status. This information is inaccurate and incomplete, and as such, violates Section 607 ( b ) ( 1 ) of the FCRA, which requires credit reporting agencies to report accurate and complete information.
Additionally, I believe that XXXX XXXX may have provided inaccurate and incomplete information to Trans Union, which violates Section 623 ( a ) ( 1 ) ( A ) of the FCRA. This section requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy of information.
XXXX ( account number XXXX ). The credit reporting agencies, Trans Union, XXXX, and XXXX, have not reported the monthly payment, number of months/terms, high credit balance, and last reported date for the account, which may be considered incomplete information and a violation of Section 607 ( b ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ).
Additionally, the credit reporting agencies maintain reasonable procedures to ensure maximum possible acc
uracy of information under Section 623 ( a ) ( 1 ) ( A ) of the FCRA. If XXXX failed to provide accurate and complete information to the credit reporting agencies, this could also be a violation of the FCRA.
XXXX XXXX XXXX account as " Open account '' while XXXX reported it as " Installment. '' This conflicting information is incomplete and inaccurate and violates Section 607 ( b ) ( 1 ) of the FCRA, which requires credit reporting agencies to report accurate and complete information.
Furthermore, XXXX reported that the XXXX XXXX XXXX account had a term of only one month, while Trans Union did not report any number of months/terms. This incomplete information violates Section 607 ( b ) ( 1 ) of the FCRA.
In addition, Trans Union reported an incorrect last active date of XX/XX/XXXX for the XXXX XXXX XXXX account, while XXXX reported XX/XX/XXXX. This discrepancy violates Section 605 ( a ) of the FCRA, which requires credit reporting agencies to report only accurate and current information.
These inaccuracies have greatly affected my life. I have been trying to secure a loan for a new car, but the false information on my credit report has prevented me from getting approved for a loan with reasonable interest rates. This has caused a lot of stress and anxiety for me and my family.
I request that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX remove the unverified collection account from my credit report immediately. I also ask that you enforce the legal requirements of the FCRA and investigate these potential violations. It is my hope that these inaccuracies can be corrected so that I can move forward with my financial goals.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 12/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To Whom It May Concern : I am writing to request an urgent update to my credit report regarding my student loan accounts. I entered into a forbearance agreement with my loan servicer, and as per our agreement, my payments were never late during this period. However, my credit report currently inaccurately reflects late payments on these accounts, which is affecting my credit score and financial standing. I kindly ask that you correct this error by updating my student loan accounts to show that they were never late due to the forbearance agreement. '' It is of utmost importance that my credit report accurately reflects my financial history. The erroneous reporting of late payments on my student loan accounts during the forbearance period is causing undue harm to my creditworthiness. I have diligently adhered to the terms of the forbearance agreement, and my accounts should reflect this fact. I respectfully request that you promptly rectify this issue by updating my credit report to accurately reflect that my student loan accounts were never late due to the forbearance agreement. Your cooperation in resolving this matter is greatly appreciated.
Listed below are the Accounts that are being challenged XXXX - XXXX XXXX - XXXX XXXX Educational Balance : {$39000.00} Account # XXXX Account Type Detail Bureau Code Comments XXXX XXXX (! ) XXXX (! ) - Credit Limit XXXX Balance XXXX Monthly Payment XXXX {$0.00} {$39000.00} {$0.00} Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) - (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX XXXX Installment XXXX XXXX XXXX {$12000.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date Opened BS- XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX (! ) Consumer disputes after resolution Affected by natural disaster XXXX XXXX XXXX XXXX XXXX - Billing error Please update to never late!
I urgently insist that the deficient information be removed immediately! This information has never been verified for accuracy, completeness, timeliness, or validation. It has not been confirmed to comply with reporting standards.
Additionally, please refer to the image above for XXXX - XXXX for further areas of concern.
It has come to our attention that the reported Account No ( XXXX ), Account Type Details, No. of Months ( terms ) ( XXXX ), Last Reported, Date Last Active ( XXXX ), Date of Last Payment ( XXXX ) & Date Opened ( XXXX ) displays a significant lack of consistency among the XXXX credit reporting agencies, which is unacceptable. Strict adherence to the XXXX XXXX standards is of paramount importance to ensure accurate data reporting. Any deviation from these mandatorily required fields is deemed intolerable as it would severely compromise the integrity of all reported information. Upon reviewing this account, the apparent inaccuracies are disturbing and raise grave concerns about the reliability and credibility of the entire account.
XXXX XXXX XXXX : {$25000.00} Account # XXXX Account Type Detail Bureau Code Comments XXXX XXXX (! ) XXXX (! ) - Credit Limit XXXX Balance XXXX Monthly Payment XXXX {$0.00} {$25000.00} {$0.00} Last Reported Date of Last Payment XXXX 7 Year History XX/XX/XXXX (! ) - (! ) XXXX : XXXX XXXX : XXXX XXXX Account Type XXXX XXXX Installment XXXX XXXX XXXX {$8500.00} Date Last Active XX/XX/XXXX (! ) Account Status XXXX Open Past Due XXXX {$0.00} Date Opened BS- XXXX XX/XX/XXXX (! ) XXXX XXXX XXXX XXXX XXXX. of Months ( terms ) XXXX XXXX (! ) Consumer disputes after resolution Affected by natural disaster Under 15 U.S. Code 1666b - Billing error Please update to never late!
We are gravely displeased to assert that the account attributed to XXXX, accompanied by the displayed account number XXXX on my report, has failed to substantiate its validity, accuracy, and completeness, let alone comply with the necessary certifications for accurate reporting. It is absolutely infuriating to acknowledge that the XXXX itself has either implied or explicitly stated that any deviation from the law or established credit reporting industry standards renders a claim deficient, thereby necessitating the immediate removal of all such claims from reporting. Furthermore, we demand that these claims not be returned unless and until they can be lawfully proven to comply with all the requisite conditions for legal reporting. This action shall be undertaken without exception, even in the face of your apparent misapplication, willful ignorance, or flagrant negligence with regard to your reporting practices and claims. We expect you to meticulously document any deviations, including but not limited to the following issues, as solid grounds for the thorough eradication of the claim 's reportability.
It has come to my attention that the Account No ( XXXX ), Account Type Details, No. of Months ( terms ) ( XXXX ), Last Reported, Date Last Active ( XXXX ), Date of Last Payment ( XXXX ) & Date Opened ( XXXX ) reported does not meet the necessary standards set forth for reporting and may suggest a lack of professionalism. It is evident that there are discrepancies in the reported data, indicating a failure to adhere to the XXXX XXXX guidelines, which are imperative for ensuring accuracy in credit reporting. I demand that you rectify this issue immediately by meticulously filling out all fields in compliance with the aforementioned guidelines before making any additions to my credit profile. Failure to do so will result in serious consequences.
I demand, with a fiery intensity, that you immediately initiate an investigation to substantiate the disputed information with the original creditors and promptly supply me with any documentation bearing my signature linked to these accounts. In the grievous absence of any such evidence, I vehemently insist that all accusations, inquiries, and accounts presently tarnishing my credit report under my Social Security number be ruthlessly expunged without delay.
Kindly dispatch your written reply to my location at XXXX XXXX XXXX XXXX, XXXX, FL, XXXX.
This letter is to notify you that I have been made aware of your illegal practice of sending form letters in response to disputes and challenges from consumers, regardless of the information they have provided. This act is in violation of XXXX XXXX XXXX XXXX XXXX, which mandates that every dispute and challenge should be dealt with independently and based on its own merits. The letters I sent were generated using software that is available to the public. If you fail to process my letters, it is a breach of my consumer rights. I consider this an intentional disregard of my rights, and I will seek legal action by contacting my lawyer.
XXXX XXXX XXXX
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| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX Federal Trade Commission CFPB Social : XXXX CC : Attorney General State of South Carolina TransUnion Credit Bureau The reason you have received this correspondence is In reference to the complaint referring to Transunion. This has been a complaint that has been going on for over a decade and this company simply is showing absolutely no good faith, no professional behavior and even in the tone of the letter they submitted to you, I infer the manner in which they are so passive aggressive and dismissive of the matter, when the issue is clear that no investigation ever took place, and I personally believe that this company, regulated by federal law, as no intent to comply with federal law.
The simple fact of the matter is that there are consolidated loans in my name that were, I believe, dismissed under a personal bankruptcy. Once the bankruptcy was discharged by a sitting judge in the Western District of New York. I made certain that all credit bureaus were made aware of the discharge. I did not owe these loans back. Copies of the Petition and the Court Order were sent to all three major credit bureaus. The issue at hand is the fact these loans that were forgiven may have been combined in the consolidated loan package and must be removed from the total loan balance. All of the CBR agencies received the documents and in some cases the loans were removed from the report. Unfortunately, the agencies may have allowed their subscriber to place this incorrect defamatory information back onto the report. Knowing that the information may be wrong. Allowed the source to place the data onto my personal credit report. Now, allow me to understand this, just so I am clear, if a business or organization pays your company to have a subscription to review and add information to a credit report, publishes false information, you have an obligation to investigate the matter, not just send an electronic message to the subscriber. The subscriber or merchant pays you money for the service of access to the credit file. I dispute the accuracy of the information. The source, merchant places inaccurate information back onto the credit report. The major difference between a person who has a credit report and the person who can place false information onto a credit report is one party pays you. I had a subscription at one point but saw little value because there was very little or no communication from your organization, TransUnion. I received most of the information from your company when my Trans Union membership was expiring and when I have to file a XXXX XXXX complaint, which I would rather not do, because its more work for everyone. To simply state that this matter has already been reviewed, may be true, but if it was investigated you would know the truth and be less defensive. I also requested proof of an actual investigation and what the parameters and process of an investigation so I can be a better more informed consumer, and the only response I ever got was we send an electronic message to the merchant reporting the debt. That is not an investigation. You publish an electronic report. You publish a hard copy report. You may have slandered me for the past 20 ( twenty ) years.
Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 607 - 15 U.S.C. 1681e 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general. Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the 611 - 15 U.S.C. 1681i 59 disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
I have in the past and am now, in very simple and direct English requesting a definition and description of exactly what your investigation process is. I expect an answer to this within 15 days.
Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumers file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; 611 - 15 U.S.C. 1681i Reinvestigations. Notwithstanding the time periods specified in section 611 ( a ) ( 1 ), a reinvestigation under that section by a consumer reporting agency upon a request of a consumer that is made after receiving a consumer report under this subsection shall be completed not later than 45 days after the date on which the request is received.
Conslusion : I am formally requesting all student loans to be reinvestigated, the Court Order that was confirmed as received by TransUnion be reviewed and applied to the loans listed on the bankruptcy petition. I am asking for the definition of the investigative process and proof of an investigation actually occurring. I do not believe an investigation ever was conducted in the past 20 years. In the meantime, I am ordering you under FACTA and FDCPA ( Title 15 USC ) to immediately stop publishing defamatory information in reference to me and my personal financial information regarding student loans immediately. It is also very telling how much that you disrespect me in my efforts to assist you in complying with federal law, as you have blocked my access to your organizations website, forcing me to file this complaint. So, you did this to yourself.
Sincerely, XXXX XXXX XXXX
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| 09/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to you today with a heavy heart and a fervent plea for assistance in enforcing the legal provisions that protect consumers like me from the devastating impact of erroneous credit reporting. The violations I have experienced have not only tarnished my financial standing but have also taken an immeasurable toll on my life.
Account Inaccuracies ( Various Issues ) : My journey into this nightmarish ordeal began when I meticulously reviewed my credit report. To my shock and dismay, I unearthed numerous instances of inaccurate reporting by several creditors, leaving me in disbelief and despair. These violations encompass a wide range of issues, including but not limited to : Incorrect High Balances : Some creditors reported high balances that were grossly inaccurate, painting a misleading picture of my credit utilization. These misrepresentations clearly defy the Fair Credit Reporting Act ( FCRA ), specifically Section 1681e, which mandates the accuracy of credit information.
Inaccurate Dates of Last Activity : The reported dates of last activity on certain accounts are egregiously incorrect, suggesting more recent activity than there actually was. Such inaccuracies violate the FCRA ( 15 U.S.C. 1681e ).
Reaged Accounts : Some creditors have reaged accounts, manipulating the dates of delinquency to make them appear more recent. This is not only misleading but a clear violation of the FCRA ( 15 U.S.C. 1681s-2 ).
Reinsertion of Accounts Without Proper Notice : Certain accounts were reinserted into my credit report without providing me with the requisite notice, as mandated by the FCRA ( 15 U.S.C. 1681i ). This lack of transparency only added to the confusion and frustration I have endured.
Undated Late Payments : Some late payments on my report lack dates, making it impossible to determine their accuracy or relevance. This lack of transparency is inexcusable and violates the FCRA ( 15 U.S.C. 1681e ).
Charge-offs Erroneously Listed as Open : Certain creditors have erroneously listed charge-off accounts as open, further muddying the waters of my credit report, in violation of the FCRA ( 15 U.S.C. 1681e ).
Inclusion of Collection Accounts with Incorrect Limits : I discovered that collection accounts were inaccurately reported with incorrect limits, skewing my credit utilization ratio and damaging my creditworthiness. This is in direct violation of the FCRA ( 15 U.S.C. 1681e ).
To compound these issues, some of the accounts were falsely marked as being involved in litigation, indicating a potential violation of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in Section 1692 of the FDCPA ( 15 U.S.C. 1692 ).
Incorrect Personal Information : My credit report also contains inaccuracies in my personal information, most notably concerning my previous and current addresses. These inaccuracies directly contradict the stipulations outlined in the FCRA ( 15 U.S.C. 1681c ). The FCRA obliges credit reporting agencies to maintain precise and current consumer information, and these inaccuracies have been nothing short of devastating.
Let me share with you how these violations have profoundly impacted my life : As a diligent taxpayer and aspiring homeowner, my financial reputation is of paramount importance. The inaccuracies and unauthorized inquiries on my credit report have led to a series of heartbreaking denials and limitations. For instance, I recently applied for a mortgage to secure a home for my family. Despite having diligently saved for years and maintaining an impeccable payment history, I was denied the opportunity to own a home due to these inaccuracies. My dream of providing stability and security for my loved ones has been ruthlessly shattered.
The emotional toll of these inaccuracies is impossible to quantify. The XXXX and uncertainty about my financial future have cast a dark shadow over every aspect of my life. The sleepless nights, the nagging fear of rejection, and the heavy burden of unearned shame are constant companions. My mental and emotional well-being have been ravaged by this relentless injustice.
In light of the egregious violations outlined above, I humbly implore your intervention to enforce the relevant legal provisions and rectify these issues promptly. My sincere request is that you compel the listed creditors to expeditiously remove the unverified accounts from my credit report, in accordance with the FCRA ( 15 U.S.C. 1681i ) : [ Creditor Name : XXXX ] Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry under FCRA ( 15 U.S.C. 1681b ) [ Creditor Name : XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) and Potential FDCPA Violations ( 15 U.S.C. 1692 ) [ Creditor Name : XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX XXXX XXXX Account Number : [ Account Number ] Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX XXXX Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX XXXX ] Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry under FCRA ( 15 U.S.C. 1681b ) [ Creditor Name : XXXX XXXX XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX ] Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) [ Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Violations : Account Inaccuracies under FCRA ( 15 U.S.C. 1681e ) Furthermore, I respectfully request a thorough investigation into the mishandling of my personal data, specifically the inaccuracies in my previous addresses : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, CA XXXX These errors have exacted a heavy toll on my financial stability and emotional well-being. My sincere hope is that by addressing these issues, we can restore fairness, accuracy, and justice to my credit history.
I implore you to take swift and decisive action on my behalf, ensuring that the credit reporting agencies and creditors involved comply with the law and rectify these violations. My family 's future and my emotional well-being hang in the balance.
Thank you for your unwavering commitment to upholding consumer protection laws and ensuring equitable credit reporting practices.
Sincerely, XXXX XXXX XXXX
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| 05/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX- {$7400.00} unauthorized collection activity, prohibited from reporting judgments to credit bureaus or lying about them being a collection agency when in fact they are not.
The only means they can collect is through Bank Levies, drilling safety deposit boxes, and wage garnishments. Requesting a Debt Verification Letter with all original documents pertaining to unlawful detainer case number, XXXX eviction Judgment/Public Record. to verify they are not authorized to collect, or report to major bureaus, unless it is a Non-Judgement. Original Judgment Amounts. All paperwork. Debt Verification Letter requesting your law firms areas of expertise, on what their law firm can and can not do as in collection on Judgments.
What constitutes a false and misleading debt collection practice?
Debt collectors can not make false or misleading statements. For example, they can not lie about the debt they are collecting or the fact that they are trying to collect debt, and they can not use words or symbols that falsely make their letters to you seem like they're from an attorney, court, or government agency.
Request Debt Verification Of Each, and every time account was deleted from credit bureaus, and each time they re -inserted back onto to credit reports without advance notice.
XXXX XXXX XXXX - {$820.00} Debt Verification Letter ( attached ) demanding a complete payment history on the account, from the original creditor XXXX XXXX XXXX XXXX XXXX XXXX A break down of all surcharges from the beginning of use of credit card, through our the use, and at the end when I closed the account. Highlight ALL Surcharges. And total them up. Requesting a record of each time they re-inserted after account was deleted from my credit report.
XXXX XXXX XXXX - Debt Verification Letter ( attached ) requesting a complete breakdown of explanation of charges, to what and for what, and the reason of the charge, then I demand XXXX XXXX XXXX to provide history of payments made to the original creditor XXXX, along with verification they recieved two XXXX worth ( XXXX ), and wrote of ( All ) of the balance, verification they recieved {$1000.00} one payment of {$920.00}, and a payment of {$110.00} that had paid off the last billing cycle prior to me closing the account. request verification that account was charged -off, and not written -Off Charge-off/write-off differences : A charge-off occurs when you owe a creditor money and it's 180 days past due. The status of the account is changed to " charge-off '' which could show on your credit report. A write-off on the other hand is when a creditor forgives a portion ( or all ) of the balance owed and won't show on your report.
Requesting a complete chronological Record of them re-inserting the item back on my credit report without any advanced notice, after I had the item deleted. Requesting records dating all the way back to when XXXX was reporting. XXXX.
XXXX XXXX Tax lien/Delinquent account- Requesting Debt Verification of complete history of payments made on the account, to include all delinquencies from 2008 to present, I need a breakdown of every year, all payments made, and missed. With dates, a complete chronological Record nothing tampered with From 2008 to present. Demanding that this department explains what arrears is, and that it is a tax lien, verifying all I.R.S. intercepts, and garnishments to pay this account due to lien status. Requesting a complete chronological Record from when they received responses front he credit bureaus stating they have been removed from my credit report, to each time they hsve re -inserted the debt after being removed. Dates/times.
1 ) FDCPA Violations/ and FCRA Violations Category : Credit Fraud RE-INSERTION VIOLATIONS : WHEN A CREDITOR, A DEBT COLLECTOR OR A CREDIT BUREAU RE-INSERTS FALSE OR DEROGATORY INFORMATION ON YOUR CREDIT REPORT.
credit-damage caused in which the consumer disputed a delinquent account appearing on their credit profile, the derogatory item suddenly disappeared for some months, but then started reappearing on their credit report once again without any advance notice. This is known as a re-insertion violation of the federal Fair Credit Reporting Act ( FCRA ).
2 ) False or Misleading Representations 15 U.S.C. 1692e Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt. Falsely represent or imply that he or she is an attorney or that communications are from an attorney.
3 ) Section 609 of the FCRA gives consumers the right to request all information in their credit files and the source of that information. Consumers also have the right to know any prospective employer who has accessed their credit report within the last two years.
4 ) FCRA 623 ( a ) ( 5 ) ( A ) This " date of delinquency '' determines how long the debt can be reported on a consumer 's credit report. Generally, a CRA may report a delinquent debt for seven years from the date of delinquency. If the debt was discharged in bankruptcy, however, a CRA may report it for 10 years.
5 ) 807. False or misleading representations ... A debt collector may not use any false, deceptive, or misleading representation or means in connection 6 ) 15 U.S. Code 1692 - Congressional findings and declaration of purpose 15 U.S. Code 1692 - Congressional findings and declaration of purpose U.S. Code Notes prev | next ( a ) Abusive practices There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to invasions of individual privacy.
( b ) Inadequacy of laws Existing laws and procedures for redressing these injuries are inadequate to protect consumers.
( c ) Available non-abusive collection methods Means other than misrepresentation or other abusive debt collection practices are available for the effective collection of debts.
( d ) Interstate commerce Abusive debt collection practices are carried on to a substantial extent in interstate commerce and through means and instrumentalities of such commerce. Even where abusive debt collection practices are purely intrastate in character, they nevertheless directly affect interstate commerce.
( e ) Purposes It is the purpose of this subchapter to eliminate abusive debt collection practices by debt collectors, to insure that those debt collectors who refrain from using abusive debt collection practices are not competitively disadvantaged, and to promote consistent State action to protect consumers against debt collection abuses.
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| 04/20/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish.
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.
The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXXXXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
DEPT OF ED / XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
XXXX XXXX ACT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
UNKNOWN ACCT # XXXXThe account is not mine. Resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc.
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| 02/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I placed complaint case # XXXX with the CFPB on XX/XX/XXXX regarding student loan account ending in " XXXX '' that is currently reporting inaccurately due to regulatory compliance violations including UDAAP " Unfair or Deceptive Acts or Practices, '' TILA " Truth in Lending Act, '' and the FCRA " Fair Credit Reporting Act '' by XXXX XXXX XXXX XXXX XXXX and the associates I spoke to on XX/XX/XXXX, and XX/XX/XXXX. This is in reference to XXXX XXXX case # XXXX.
The UDAAP and TILA regulatory violations and Background are as follows : 1. I spoke to XXXX XXXX XXXX student loan department on XX/XX/XXXX to request a possible forbearance. I was told in this conversation that I had no forbearance time available, that I had a past balance due, and there was nothing that could be done due to the loan transferring to XXXX XXXX. I then asked about any possible repayment options, and was told that I could speak to the payment assistance team. I was then transferred to that department, and was told the same response. This response seemed incorrect, unfair, and deceptive.
2. I called XXXX XXXX again on XX/XX/XXXX because the previous conversation regarding the forbearance, and not having options available due to the loan being transferred sounded incorrect, unfair, and deceptive. In the phone called, I asked the same questions regarding forbearance, and about payment options. I was told that I could make payments until the XX/XX/XXXX, but I would have to speak to XXXX regarding any other issues due to the loan being transferred. Again, this seemed to be incorrect, unfair, and deceptive.
3. After the loan was transferred to XXXX on XX/XX/XXXX, I called them immediately, and made the same request regarding forbearance and possible repayment options, and they immediately accepted my request under the condition that I still had forbearance time available under the contractual terms and conditions transferred from XXXX XXXX with the loan ending in XXXX. On XX/XX/XXXX it was confirmed that I had been approved for forbearance under the same contractual terms as XXXX XXXX. XXXX also backdated the forbearance to cover previous monthly payments, but due to the transfer taking place before the forbearance was initiated, XXXX could not backdate the negative reporting any earlier than XX/XX/XXXX. A request was made to XXXX XXXX to remove the negative late payment reporting by XXXX XXXX with no response.
I have included letters that prove XXXX approved the forbearance of the transferred loan, and the original welcome letter from XXXX that confirms XXXX XXXX terms and conditions will be used for the servicing of the loan, and specifically reads ". Even though your student loan ( s ) transferred, the terms and conditions of your loan ( s ) have not changed. '' Letters will be attached for documentation purposes.
I am also filing an additional complaint of " UDAAP '' regulatory compliance violations due to the the response I receive during a phone call with XXXX XXXX XXXX XXXX. Executive Office Case Specialist XXXX XXXX on XX/XX/XXXX at XXXX XXXX. The call duration was XXXX XXXX. Please reference the pre-disclosed monitored and recorded call in this time frame as evidence to this complaint as well as XXXX XXXX case # XXXX response letter dated XX/XX/XXXX. Also refer to XXXX XXXX case # XXXX response letter dated XX/XX/XXXX.
The regulatory UDAAP violations are as follows : XXXX. XXXX XXXX called me on XX/XX/XXXX with a resolution to my CFPB compaint # XXXX. A XXXX XXXX Executive Office Case Specialist named XXXX XXXX attempted to give and explain the resolution. Unfortunately the resolution explained contained false information regarding my first conversation with XXXX XXXX on XX/XX/XXXX. XXXX XXXX claimed that on XX/XX/XXXX, the representative I spoke to gave me to option to " Pay '' my outstanding balance in exchange for the submittal of a " possible '' forbearance. This information is falsified, and an option to submit a forbearance was not offered at any point in the conversation. This is also evidenced in the second call that was made on XX/XX/XXXX when I made the same request for forbearance. But no option of forbearance was offered under any circumstance from XXXX XXXX on either call on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX then attempted to give an explanation of the call on XX/XX/XXXX when I asked her to justify the reason she had notes regarding the purpose for the duplicate call for forbearance, but the call notes contained no evidence or reference to actually answering my question regarding forbearance. The word " Forbearance '' was not even used once in the representative response call record on XX/XX/XXXX. And instead, the rep again informed me that I had past due balance that I could pay until the XX/XX/XXXX, and to contact XXXX regarding any other issue, and therefore avoiding the forbearance conversation and solution entirely. I brought up this contradiction to XXXX XXXX during the conversation, and instead of agreeing to further investigate the matter, she attempted to falsify and report to me a potential narrative and explanation of why the notes of the call don't contain information regarding my request by stating " They probably read the notes of the previous call and assumed that because you spoke to someone else about forbearance, you already knew the information and they didn't need to explain. '' Not only does this show inconsistencies in the response by XXXX XXXX XXXX XXXX servicing team by refusing to service a transferring account. But it also shows that in cases containing inconsistencies and contradicting information, XXXX XXXX regulatory Executive Office Case Specialists can create, and falsify narratives to explain information they don't have facts or documentation to verify. I told XXXX XXXX to resubmit the complaint referencing the conversation I was having with her as a part of the complaint as well.
I received another letter dated XX/XX/XXXX in response to that complaint request with XXXX XXXX. On XX/XX/XXXX, which was even further redacted than the first letter, made no mention of the issues I raised in the phone call with XXXX XXXX, and made no mention to the call I made on XX/XX/XXXX to XXXX XXXX, as if they are trying to omit and hide relevant information.
Furthermore, the letter I received on XX/XX/XXXX specifies that XXXX XXXX had confirmed repayment letters were sent to the address on file, and also confirmed that statements were mailed to the address on file. The letter states that in the enclosed envelope are copies of each repayment letter and statement for my review. However, not a single repayment letter, nor statement was enclosed with the letter.
All documentation will be attached.
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| 08/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I just received my investigation results. File Number # XXXX and saw some accounts were verified. However, I have a few questions : how did you complete your investigation? Did you talk to my neighbors, friends, or family? If so, please inform me of the person who completed the investigation. One more thing, I was reading the FCRA and noticed you VIOLATED these laws as well : 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
15 USC 1681 Section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1681b ( a ) ( 2 ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.
15 USC 1681i. ( 5 ) ( A ) ( i ) If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; I, XXXX XXXX XXXX, consumer, and natural person, am aware of all of the rights I have, and which are protected by the Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
1. Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
2. Account Name : XXXX Account Number:XXXX**** 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
3. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
4. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
5. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
6. Account Name : XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
7. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
8. Account Name : XXXX XXXX XXXX Account Number : XXXX* 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
9. Account Name : XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
10. Account Name XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
11. Account Name : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
12. Account Name : DEPT OF EDXXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Delete this account immediately unless you want to be held liable {$1000.00} per violation.
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| 06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX has attempted to fraud my infant trust account again. They have sent me a new card. This new card has no account information as to where the credit account came from and where or what company it is with. I have not called them and have reported this fraudulent information hereto the CFPB because of the past issues i have had in the past two years attempting to clear up this false and fraudulent information.
DECLARATION - i XXXX XXXX XXXX of sound mind body and soul a XXXX can testify and swear that the above Credit Card mention herein this complaint below is fraudulently created. I received a notice and or later in the Mail USPS presorted first class mail paid from XXXX XXXX on XX/XX/XXXX. I did not create an account with XXXX XXXX concerning a card or a new account. This is identity theft. There are approximately over [ 200 ] Two Hundred XXXX XXXX listed within the XXXX XXXX County listings and this information is not mine. In fact the name alone says it, XXXX XXXX a member since XX/XX/XXXX? My name is XXXX XXXX XXXX and no records of a credit card history you've provided states this as accuracy and validation. I XXXX XXXX XXXX am not a member of XXXX XXXX nor have i every been a member and have not given consent to become a member. I do not have records of such membership nor contracts or applications of a membership with XXXX XXXX. I do not give consent for any loans.
The Three credit agencies sent me a letter or notice stating within that letter this statement Thank you for contacting the Credit Agency [ Name of agency ] indicating fraudulent items on your credit report. We are here to assist you. We are unable to locate a credit file in our database with the identification information [ drivers license, name address, phone number and history of addresses ] you provided, In order to further assist you, we will need additional documents to verify your identification. Please provide your complete name etc, .. The CA drivers license has my complete name a photo and address thereon the card. I also sent you credit agencies a copy of the full application with the Department of Motor Vehicles as i will herein the CFPB data base. What happened to that information?
Questions for The credit Bureaus and XXXX XXXX Verification and Validation ; Q - 1. ] How is it possible that you listed XXXX XXXX as 30-60 days late on my credit report but can't locate a file? According to the Fair Credit Reporting Act this must be deleted ASAP!
Q - 2. ] I XXXX XXXX XXXX received letters claiming that the credit bureaus can not find a file with my information and drivers license after i have contacted you via telephone and identified myself through your process? According to the FCRA you must delete XXXX XXXX filed disputed due to mistakenly having the wrong information incorrect information and such the like. According to the FCRA 603. Definitions ; rules of construction [ 15 U.S.C. 1681a ]. ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. In short what you are asking me to provide opens me up for damages and i can not give you that private information. Such as Pay Stubs Gas Electric bill water bill cable bill residential telephone number? According to the FCRA Definition within said act you are in violations of my right to privacy for requesting information to resolve an identity theft created by XXXX XXXX credit card as of XX/XX/XXXX.
Q - 3. ] XXXX XXXX claims and alleges to have loaned XXXX XXXX XXXX money or XXXX XXXX money located at XXXX XXXX XXXX? How was the funds transferred and where did the funds come from?
Q - 4. ] Did the funds come from XXXX XXXX XXXX or XXXX XXXX XXXX infant trust account ending in XXXX?
On XX/XX/XXXX i XXXX XXXX XXXX mailed you a 200 plus page complaint for identity theft in full detail, and newly created credit reporting information along with copies of the letters from XXXX XXXX credit card services. You [ Credit agencies ] placed upon their request added me 30-60 days late for payments. This came after i provided proof of payment [ US Currency ], payment type [ Tender Of Payment ] and my personal and private information. According to the FCRA ( 2 ) Verification ( A ) that the consumer continues to meet the specific criteria used to select the consumer for the offer, by using information in a consumer report on the consumer, information in the consumers application for the credit or insurance, or other information bearing on the credit worthiness or insurability of the consumer ; or ( B ) of the information in the consumers application for the credit or insurance, to determine that the consumer meets the specific criteria bearing on credit worthiness or insurability. Based upon the [ FOIA ] i am demanding a copy of this information to see why you do not have a current record and or information concerning a file!
Q - 5. ] What happened to the file and the investigations?
Q - 6. ] Are you attempting to set me up to be tracked and hunted down?
Q - 7. ] Are you making banks aware of my location of living and employment for harassing purposes?
Q - 8. ] I advise that you disclose all information within the next five business days concerning my accounts my right to privacy, The Freedom Of Information Act and FCRA allows me to use law to force disclosure of all information recorded concerning me and about me my right to privacy and such the like. Something is clearly wrong when i have gotten multiple reports of credit banking and mortgages but no one can find my account, rather my credit rating is taking hits and reaching below 700 points, without legal or due process and by my knowledge of whats being reported by who and why?
You have requested the same information that i have forwarded to you on three occasions but state in your letter [ s ] that you cant find a file on me and my name social security number address phone number. All this information was presented to you by me. The alleged banks involvedXXXX XXXX have also claimed to reported my private information but your agency claims to not be able to find records. How is this possible?
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Dear Transunion XX/XX/XXXX I am writing to bring to your attention a serious concern regarding potential violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( a ) ( 2 ) and 1681e ( b ). Upon thorough examination of my credit report, I have identified discrepancies that raise questions about the accuracy and compliance with the aforementioned statutes.
I have made multiple attempts from early XXXX of this year and most recently XXXX in regards to inaccurate/incomplete accounts reporting on my credit report. I have received letters most recently XX/XX/XXXX back stating the accounts have been verified as accurate. I dont believe they performed an investigation required by the FCRA because it will be impossible for the mismatched data points to be verified as accurate and they have violated my rights under the FCRA act. Please see the inaccurate reporting accounts below and I demand they be removed immediately.
XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Information : The account number is partially redacted in the report. Dates : The reported date opened varies between the bureaus ( XX/XX/XXXX for TransUnion and XX/XX/XXXX for XXXX XXXX XXXX ) XXXX date last active also varies between the bureaus ( XX/XX/XXXX for TransUnion and XX/XX/XXXX for XXXX ) .Date of Last Payment : There is no information provided about the date of the last payment across any of the reports. XXXX XXXX XXXX : There is no reported payment history for this account across any of the XXXX credit bureaus.
XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Information : The account numbers are partially redacted in the report. Balance : There's a discrepancy in the reported balances between TransUnion {$1300.00}, XXXX {$1300.00} and XXXX XXXX, Dates : The reported date opened differs across the three bureaus Transunion XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX The date last active is reported as XX/XX/XXXX Transunion, XX/XX/XXXX XXXX and XXXX for XXXX.
XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Information : Account numbers are partially redacted in the XXXX Transunion, XXXX XXXX, XXXX XXXX Two-Year Payment History : There XXXX no reported payment history provided or available in the shared information for this account in the specified months and years. ( incomplete ) XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Account Information : The account number is partially redacted in the report. Dates last active : Transunion XX/XX/XXXX, XXXX XXXX, XXXX N/A XXXX Year Payment History : There is no reported payment history provided or available in the shared information for this account in the specified months and years. ( incomplete ) XXXX. XXXX XXXX Account XXXX : The account numbers are partially redacted in the report. Inconsistent High credit reported {$300.00} TransUnion and {$200.00} XXXX XXXX XXXX. XXXX XXXX and Past Due : TransUnion reports a {$200.00} credit limit ; however, XXXX states a credit limit of {$0.00} and XXXX XXXX XXXX Date opened : Transunion XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX XXXX Date last active : XX/XX/XXXX Transunion, XXXX XXXX and XXXX XXXX XXXX History : No specific payment history data for the provided months and years is mentioned or available in the provided information is incomplete.
XXXX XXXX XXXX XXXX XXXX : account numbers are partially redacted in the report. High credit reported varies : {$510.00} in TransUnion, {$0.00} in XXXX, and {$300.00} in XXXX. Credit limits : {$300.00} consistently reported by TransUnion and XXXX, while XXXX indicates {$0.00}. Date XXXX Transunion, XX/XX/XXXX XXXX, and XXXX XXXX XXXX Active varies XX/XX/XXXX on TransUnion, XX/XX/XXXX XXXX on XXXX, and XX/XX/XXXX, on XXXX. Two-Year Payment History : The payment history is represented using codes like CO ( Charge-off ) and OK ( Okay ), indicating different statuses across different months and years.
XXXX XXXX XXXX : Account number partially redacted. XXXX XXXX XXXX : No specific payment history details are provided in the shared information, as the table cells for payment history are blank. N/A on XXXX or XXXX XXXX XXXX Details : Account number partially redacted.Two-Year Payment History : No specific payment history details are provided in the shared information, as the table cells for payment history are blank. N/A on XXXX or XXXX XXXX XXXX XXXX Details : Account number partially redacted. High credit reported as {$960.00} on TransUnion, {$920.00} on XXXX and XXXX on XXXX. Credit limit {$700.00} on TransUnion, {$0.00} on XXXX and XXXX XXXX.
Date XXXX : XX/XX/XXXX Transunion, XXXX XXXX, and XXXX. Date last active : XX/XX/XXXX Transunion, XXXX XXXX, and XX/XX/XXXX XXXX. Two-Year Payment History : Inaccurate and incomplete.
Section 1681b ( a ) ( 2 ) of the FCRA mandates that a credit reporting agency may furnish a consumer report only to those with a permissible purpose. It appears that my credit information was disclosed to an entity without a permissible purpose, as outlined in this section. I DID NOT give written consent for any of this information to be on my report. Additionally, Section 1681e ( b ) requires reasonable procedures to ensure maximum possible accuracy of consumer reports. It seems that these procedures may not have been diligently followed in my case.
I request that you conduct a comprehensive investigation into these matters and provide me with detailed information regarding the circumstances surrounding the unauthorized disclosure of my credit information and any potential lapses in ensuring the accuracy of my consumer report. This erroneous information has had adverse effects on my credit standing, causing denials and high interest rates for mortgage loans etc. I believe that your agency 's actions represent a clear violation of the FCRA, specifically Section 1681e ( b ) and Section 1681b ( a ) ( 2 ). According to the FCRA Section 1681n, individuals are entitled to seek damages for willful noncompliance with FCRA requirements. I am formally requesting compensation for the violation in the amount of {$1000.00} per violation, as permitted by the FCRA.
Furthermore, I expect your agency to take prompt and appropriate corrective actions to delete all inaccuracies/incomplete accounts above. Please consider this letter as a formal dispute under the FCRA, and I trust that your agency will fulfill its statutory obligations to guarantee the accuracy and fairness of the information in my credit report.
I anticipate your immediate attention to this matter and a timely response within the statutory period.
Sincerely, XXXX XXXX
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| 08/31/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have reached out to TransUnion on several occasions by phone and over there chat line regarding a Fraud Alert comment on my consumer report. I have asked them several times to remove the comment because I didn't grant them permission to add that comment. Below are the chats where I have spoke to two different representatives to resolve this issue.
15 USC 1681A-3 is a role you guys assumed without my permission because you didn't have my consent to add a fraud comment on my report nor did you respect my privacy which is under 15 USC 1681A-4 , nor did you exercise your grave responsibility. 15 USC 1681B-2 states that you need permissible purpose and I've never instructed your guys to put a fraud alert on my consumer report, nor have I consented to you sharing my data which is you have done and going against your very own policy. I've made several attempts to remind you of your duty pursuant to 15 USC 1681, however you continue to intentionally and willfully neglect in remedying my affairs.
Below is the script from the chat on XX/XX/XXXX with XXXX and the script from today, XX/XX/XXXX.
XX/XX/XXXX Fraud Alert removal You - XXXX XXXX You are now connected to TransUnion Chat.
Info - XXXX XXXX One moment while I transfer you to a live agent.
TransUnion Chat - XXXX XXXX Please hold, You are being transferred to another agent You are now connected to XXXX.
Info - XXXX XXXX Thank you for contacting Transunion, my name is XXXX, how may I assist you today? & XXXX ; & XXXX ; & XXXX ; & XXXX ; XXXX - XXXX XXXX Hi. I was told to login to my account in order to remove a fraud alert comment but when I click on fraud alert it states the system is experiencing technical difficulties.
You - XXXX XXXX Hi, XXXX.
Oh, Im sorry to read that, I'll be happy to assist you today. & XXXX ; & XXXX ; & XXXX ; XXXX - XXXX XXXX Thank You You - XXXX XXXX sure!
Do you have any dispute in progress?
XXXX - XXXX XXXX yes You - XXXX XXXX I see.
When did you file the dispute?
XXXX - XXXX XXXX I'm only trying to remove the fraud alert comment that was put on my report without consent.
You - XXXX XXXX I do apologize, it is just to protect your information.
Please, would you be so kind to fill out this form? So, I can have access to your account. https : //www.transunion.comXXXX Let me know when you finish it, please. & XXXX ; & XXXX ; XXXX - XXXX XXXX Complete You - XXXX XXXX Great!
Thank you, just give me a moment. I'll & nbsp ; be check that for you. & XXXX ; & XXXX ; & XXXX ; & nbsp ; Yenifer - XXXX PM ok You - XXXX PM Thanks.
XXXX - XXXX XXXX No problem You - XXXX XXXX Do you have middle name?
XXXX - XXXX XXXX XXXX You - XXXX XXXX Okay.
Thank you for waiting.
XXXX - XXXX XXXX No problem You- XXXX XXXX I removed this fraud alert, the process is immediately.
Is there anything else I can assist you with? & XXXX ; & XXXX ; & XXXX ; XXXX - XXXX XXXX No, that would be all. Thank you so much for your assistance and kindness.
You - XXXX XXXX My pleasure, XXXX. Thank you for contacting Transunion, have a wonderful day! & XXXX ; & XXXX ; & XXXX ; XXXX - XXXX XXXX Same to you You - XXXX XXXX Bye!
XXXX - XXXX XXXX Conversation closed by you - XXXX XXXX Today-XXXX XXXX Fraud Alert You - XXXX XXXX You are now connected to TransUnion Chat.
Info - XXXX XXXX One moment while I transfer you to a live agent.
TransUnion Chat - XXXX XXXX Please hold, You are being transferred to another agent Info - XXXX XXXX ok You - XXXX XXXX You are now connected to XXXX.
Info - XXXX XXXX Hello, thank you for contacting TransUnion. This is XXXX, how may I help you today? & XXXX ; & XXXX ; & XXXX ; XXXX - XXXX XXXX Hi. I'm checking to confirm the fraud alert was removed from my consumer report.
You - XXXX XXXX I do understand how important is for you to make sure that your fraud alert was removed from your report, I will do my best to help you XXXX.
XXXX - XXXX XXXX ok You - XXXX XXXX Just to make sure, did you remove your fraud alert online?
XXXX - XXXX XXXX No, I chat with a representative on XX/XX/XXXX at XXXX pm who stated they removed it.
Representative by the name of XXXX You - XXXX XXXX Okay, we can gladly access to your report to make sure that your fraud alert is no longer on file.
Ok. In order to access your file, I will need to send you a link to a form on the chat to fill with your information so I can proceed accordingly.
This is the form for you to fill out : https : //www.transunion.comXXXX Please make sure you open the link on a new tab to keep the chat running.
Let me know when it was submitted or if you have any questions about it, please. Thank you.
XXXX - XXXX XXXX Completed You - XXXX XXXX Thank you for the form. Please allow me one moment while I check it. & XXXX ; XXXX XXXX XXXX XXXX ok You - XXXX XXXX One more moment please.
XXXX - XXXX XXXX ok You - XXXX PM Do you have a middle name?
XXXX - XXXX XXXX XXXX You - XXXX XXXX Thank you.
Thank you for your time XXXX, I'm checking your report and according to our records you have an extended fraud alert, we need to get documents in order to remove an extended fraud alert.
XXXX - XXXX XXXX I didn't grant permission for a fraud alert to be put on my consumer report. No permissible purpose was provided for that. On XX/XX/XXXX XXXX stated she had it removed because she didn't show where I provided TransUnion permissible purpose. I have a screen shot of that conversation.
You - XXXX XXXX I'm sorry XXXX, I can see that the extended fraud alert was added on XX/XX/2022 because we received documents to add it.
XXXX - XXXX XXXX I spoke with XXXX by way of this chat on XX/XX/XXXX. What documents did you receive from advising this agency to put an alert on my report? I'm getting different stories at this point and want to make sure I understand. So XXXX didn't remove it as she stated, correct? And you're not going to remove it because you are stated I granted you guys permission to add that statement, correct?
You - XXXX XXXX The thing is that an extended fraud alert is added on a report when we get documents or it can be shared by the other two bureaus as well, that's why we need to get your request by mail to remove it.
I haven't heard from you for a while. Are you still there?
XXXX - XXXX XXXX I'm just really disturbed by this because my data is being shared without my permission and no one has bothered to validate nor verify that I, the creditor asked for this to be added to my report, nor have granted permission for my data to be shared.
Now I '' m saying remove it because its a violation for you to add it without my permission but that can't be done because the verification and validation is backwards on your end.
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| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
3. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
4. 12 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
5. 01 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
6. 01 XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
7. 01 XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
8. 01 XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
9. 12 XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
10. 12 XXXX XXXX XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report.
11. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
12. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
13. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
14. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
15. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
16. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
17. XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX, XXXX, XXXX, and Transunion have all violated my rights as a natural person, in accordance with the Fair Credit Reporting Act, in regard to my closed account # XXXX with XXXX XXXX XXXX.
Recently I looked into each of my credit scores and found that each credit bureau had a different version of my closed XXXX XXXXXXXX XXXX. They had differing days/months of closing, extra late payments, and wrong amount of days that it is delinquent. To my surprise, they resolved the dispute within a couple of days. Yet again with wrong information with all of them : XXXX XXXX took off all of the late payments and took off about 60 % of my payment history on XXXX ( they only had about 75 % of my credit history to begin with ), the transunion account was made to match my account on XXXX, and XXXX was marked correct. Two days after the resolution of my dispute, I noticed that XXXX XXXX updated my account, yet again, on all three bureaus. This time it said XXXX XXXX changed the month from being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to being late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX for my account on Transunion and reinserted the late payments to my XXXX account. XXXX XXXX reported to XXXX and Transunion that my late payments were 30 days late on XX/XX/XXXX and XX/XX/XXXX ; 60 days late on XX/XX/XXXX and XX/XX/XXXX. On XXXX, XXXX XXXX inserted that I was late 60 days on XX/XX/XXXX and XX/XX/XXXX ; 90 days late on XX/XX/XXXX and XX/XX/XXXX. My credit history on my XXXX XXXX account for all of the XXXX year, a couple of months at the beginning of XXXX, and XXXX of XXXX ( XX/XX/XXXX was marked as current on XXXX ) marked as unknown for all bureaus after the update that was after the supposedly resolved dispute. My XXXX report before the dispute lacked all payment history until the supposed first late payment and showed my account as current after the supposed last late payment, however, Transunion and XXXX had my full payment history from XX/XX/XXXX to XX/XX/XXXX. After XXXX XXXX updated my account after the dispute, I found that the Reinvestigation Info on my XXXX account still states This item remained unchanged from our processing of your dispute in XX/XX/XXXX. When it had in fact been changed AFTER the dispute had been supposedly resolved. I also noticed that the address and phone number is different on XXXX than it is on Transunion and XXXX. The account XXXX lists the address as XXXX XXXX XXXX XXXX XXXX XXXX XXXX and phone number as ( XXXX ) XXXX ; Transunion and XXXX have their address and phone number listed as XXXX XXXX XXXX XXXX XXXX XXXX and their phone number ( XXXX ) XXXX. The date of my last payment/close date was fixed with the dispute to the correct date XX/XX/XXXX, but when XXXX XXXX updated my account after the supposed resolved dispute they updated that my last payment/close date is on XX/XX/XXXX. Also, XXXX XXXX XXXX isnt written out fully on my Transunion report. I dont understand how they could put effort into reinserting incorrect, deleted information with incorrect information, but not put effort into resolving my dispute accurately the first time. I wasnt even notified in writing of the reinsertion of the information within 5 days, I wasnt notified in writing at all.
I will say, I was XXXX days delinquent in XXXX ( not XXXX ), but I paid my bill early in XXXX, I paid before 30 days in XXXX and XXXX.
XXXX XXXX had reasonable cause to know that the information they twice inserted into my account since the original incorrect, insertion, if they had looked into my payment history, they could have accurately updated my account, and they were so negligent with the reinsertion of information after the dispute they didnt bother to check if it even matched the other reports with the incorrect information they updated the accounts of the other bureaus with.
Now for Transunion, XXXX, and XXXX, they clearly failed to do a thorough investigation. The bureaus failed to recognise this company with a clear pattern of a company compromising accuracy and integrity, further so without doing a thorough investigation and allowing them to reinsert and update information that was incorrect on an account that has been closed for more than two years. Which should be suspicious and flagged by the bureaus being that they updated on a closed account, without another dispute being filed. The information should have been blocked from being updated after supposedly being updated with what they claimed to be correct information after they concluded their investigation into my dispute, but it wasnt, which has really caused me to lose trust in the credit system. From what Ive read from complaints on the cfpb, XXXX and through word of mouth is that XXXX XXXX XXXX does shady business, but yet they are still in business and still allowed to ruin consumers finances and credit. You would think the Credit Bureaus would be flagging companies like this and keeping an eye on them. Regardless of the idea of flagging these companies the Credit Bureaus are supposed to have systems in place that ensure the accuracy of the information nor reinsertation according to the Fair Credit Reporting Act, but they clearly dont if this is a recurring issue with many consumers.
The specific Fair Credit Reporting Act laws that have been violated : 15 U.S. Code 1681i - 5 ( A ) ( i ) ; 15 U.S. Code 1681i - 5 ( B ) ( i ) ( ii ) ( iii ) ( I ) ( II ) ; 15 U.S. Code 1681i - 5 ( C ) ; 15 U.S. Code 1681i - 5 ( D ) ; 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) ; 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) ( i ) ( ii ) ; 15 U.S. Code 1681s-2 ( b ) ( 1 ) ( E ) ( i ) ( ii ) ( iii ) ; 15 U.S. Code 1681s-2 ( b ) ( 2 ) ( B ) ; 15 U.S. Code 1681s-2 ( b ) ( 2 ) ( E ) ( i ) ( ii ) ( iii ) ( iv ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( A ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( B ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( C ) ; 15 U.S. Code 1681s-2 ( e ) ( 2 ) ( D ) ; 15 U.S. Code 1681g ( 3 ) ( B ) ( i ) ( ii ) ; 15 U.S. Code 1681e ( b ) ; 15 U.S. Code 1681e ( d ) Due to these inaccuracies I had to drive a car that kept breaking down for years, despite constant repairs, putting my life and others lives in danger, TWICE to the car lot because I was denied the first time due to my credit and because it wasnt enough to trade in on its own, I had to trade it in and put almost a XXXX dollar down payment to get my new car, because this company made it look like I was an unreliable consumer. When I was struggling last year to get by financially, I was unable to refinance my car which also put a hard inquiry on my account further damaging it with nothing to show for it.
*Federal laws definitions are included in attachments, straight from the Fair Credit Report Act
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| 11/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I am writing to dispute the following information in my file.
The late fees on this report as of XX/XX/XXXX are inaccurate because of the following reason ( s ) : Around XX/XX/XXXX my mortgage company was bought out by another. Formerly XXXX loan services, it is now named XXXX XXXX. During that time, I was on a modification plan that finally allowed me to get on track after my divorce which I was current on. After the merge, I found myself unemployed due to the decision to homeschool my kids and several incidents with a daycare provider resulting in multiple doctor visits due to infections. My XXXX payment cleared the bank the day before my final paycheck hit and the new mortgage company XXXX XXXX XXXX ) immediately canceled the modification and issued a statement for the full payment due immediately. After several attempts trying to reach someone to rectify the loan got more and more behind. I tried logging into my account to make payments, but the system was down. I was told that they were still transitioning files and that I needed to reapply for a modification In the meantime, but not until they mailed me documents to do so which took almost a month. I was also behind on homeowners dues and had been since my divorce and the HOA was no longer willing to make arrangements that would work for my budget. Though the homeowners association agreed to allow me to set up a payment plan, it was with an unrealistic down payment of {$2500.00}. Since I didn't have it, the property was placed in an auction on XX/XX/XXXX. Two weeks later I received a letter and check in the mail stating someone purchased my home at auction and the check was the difference from the sale.
I took the money and moved my kids to a better school district and we became apartment renters for the first time in our lives on XX/XX/XXXX. Months went by and I received a call from the investor who purchased my property XXXX XXXX XXXX XXXX. He stated that he needed to get the mortgage loan information to pick up the loan payments because there is another lien on the home. I was completely confused and asked him, " didn't you purchase the property in full? '' The letter I received from the HOA attorney said that the purchase included all outstanding liens, etc.
I did some research, had him added as a third party to take over the loan and now we are here. When he found out how much the mortgage company was asking him to pay he was no longer interested in keeping the property and apparently all that was paid at auction was the outstanding HOA debt. Not knowing my options at this point, I contacted the mortgage company and asked to get more information on a short-sale because I assumed that was my only option. They responded and gave me instructions to wait on the application in the mail and to get with a realtor for short-sale papers. I reached out to my realtor and she said she would make some calls to her investor friends to see if they are interested in the property. On XX/XX/XXXX I requested to begin the process of a short-sale on my property. On XX/XX/XXXX, I received an email that confirmed that I had requested a Mortgage Assistance application to be mailed to me. I was not given an option on the method of delivery and was told that I would need to allow sufficient time for mailing and that a realtor would have to assist me with this process. I let me broker/realtor know and we awaited the documents. On XX/XX/XXXX, I sent an email to the relationship manager stating that I never received the documents and that they needed to send them to me via email immediately to avoid the upcoming foreclosure sale date that had been set for XX/XX/XXXX. I received a response back on XX/XX/XXXX, that stated that they apologized for the inconvenience and emailed the documents to me also stating that they no longer had a sufficient amount of time to review the account for a short-sale. I immediately forwarded this to my realtor who stated she was going to call them and asked me to complete a 3rd party authorization so she could speak to them on my behalf. After gathering all the necessary sale documents, my realtor sent them to all 3 of the company 's email addresses along with the 3rd party authorization on XX/XX/XXXX. We already had a buyer in place and a current payoff amount to move forward. On XX/XX/XXXX, my realtor called to follow-up on the status of the short-sale request and was not able to speak to anyone because they stated she was not authorized. She contacted me and when I called they stated that the signature on the XXXX party authorization was not legible. Everything written was written in the same ink with the same pen. On the same day XXXX XX/XX/XXXX ) I emailed a XXXX request to have XXXX XXXX ( realtor ) added to my account to speak on my behalf. On XX/XX/XXXX XXXX called me again frustrated because again they would not speak to her without " authorization ''. By this time drawing out the length of the loan and allowing more time and interest to accumulate. She connected us on a 3-way call where I explained to the agent that she was allowed to speak on behalf of me. The agent stated that the account read that there was missing documentation in the mortgage assistance packet, and XXXX told her that the documents being requested had either been sent in or was awaiting an updated payoff because the previous one had expired. The agent stated that she would put in a request for another payoff quote. When I got home I received a letter requesting Articles of Association, settlement disclosure statement, and the co-borrower 's signature ( what the agent had stated on the call ). I also received an email requesting the same information on XX/XX/XXXX however, we still had not received a payoff quote and the one currently in place was set to expire on XX/XX/XXXX. I emailed this information to my realtor and she contacted them on XX/XX/XXXX ( today ). To her surprise they still would not speak to her and the agent on the phone would not disclose the information discussed with the previous agent. We tried to obtain information on where the short-sale was in process to-date and he stated that we were missing the same 3 items. We requested the payoff, had XXXX added as the point-of-contact and have a pending foreclosure date set for XX/XX/XXXX. This company has not been diligent in its communication and it has cost me thousands of dollars in interest and mortgage payments as I have not lived in this property since XXXX of XXXX. I have been trying to resolve this by having the gentleman who purchased my home in an HOA auction in XXXX of XXXX take over the mortgage, but they would not allow the deed to be transferred over without 1 year of on-time payments.
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| 11/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2019, I contacted Transunions customer service for the third time to have fraudulent inquiries removed from my report because my score dropped 200 points due to fraudulent inquiries and they would not help and take care of the negative inquiries reporting to your credit report. XXXX XXXX XXXX Automotive XXXX Transunion XXXX XXXX XXXX Automotive XXXX Transunion XXXX XXXX XXXX XXXX Transunion XXXX XXXX card and travel / entertainment companies XXXX Transunion XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX XXXX Transunion Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO CO XXXX XXXX XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and public record XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX Automotive XXXX Transunion XXXX XXXX XXXX personal XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX Department, variety, local, regional, and national chains XXXX Transunion XXXX XXXX XXXX Automotive XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX Automotive XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX card and travel / entertainment companies XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX Department, variety, local, regional, and national chains XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX XXXX personal XXXX Transunion XXXX XXXX Automotive XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX card and travel / entertainment companies XXXX Transunion XXXX XXXX Miscellaneous and public record XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX Automotive XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX personal XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX XXXX personal XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX Automotive XXXX Transunion XXXX XXXX Automotive XXXX Transunion XXXX XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX Automotive XXXX Transunion XXXX XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX Miscellaneous and public record XXXX Transunion XXXX Miscellaneous and public record XXXX Transunion XXXX XXXX Miscellaneous and public record XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX other than personal XXXX Transunion XXXX Miscellaneous and public record XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX Miscellaneous and public record XXXX Transunion XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX Miscellaneous and public record XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX other than personal XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX Department, variety, local, regional, and national chains XXXX Transunion XXXX Department, variety, local, regional, and national chains XXXX Transunion XXXX Credit card and travel / entertainment companies XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX Miscellaneous and public record XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX Utilities and fuel XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX Miscellaneous and public record XXXX Transunion XXXX XXXX Miscellaneous and public record XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX and XXXX XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX personal XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 03/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I have raised these concerns with all three major bureaus and they have failed to perform a proper investigation to verify what they are reporting and send original physical copies for the accounts. They know that since XXXX laws that allowed so many companies to write off debt and get relief that these companies have been violating consumers rights and reporting false information to get tax breaks and write offs. I have had repeated issues with creditors reporting information to credit agencies without getting written consent from me as required by law. The credit bureaus keep reporting the false information supplied by the creditors as verification with out performing a legitimate investigation and providing original signed documents by me and the creditor. They also are not able to provide any written and signed request from the creditors to me asking me for permission to report any details of any account I may have. Saying something is verified without providing original written evidence is not acceptable nor credit fair reporting. This is a violation of Federal privacy and FCRA law. Please compel them to perform a proper investigation into these inaccuracies and delete the offending information from my reports or pay me the XXXX violation penalty per each occurrence.
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and the other laws listed below.
XXXX # XXXX, XXXX Late Payments, has violated my rights.
XXXX XXXX XXXX # XXXX, 1 Late Payment, has violated my rights.
XXXX XXXX XXXX XXXX # XXXX, 4 Late Payments, has violated my rights.
XXXX XXXX # XXXX, 2 Late Payments, has violated my rights.
XXXX XXXX XXXX XXXX, 5 Late Payments, has violated my rights.
XXXX XXXX, 2 Late Payments, has violated my rights.
XXXX XXXX XXXX, XXXX, 10 Late Payments, XXXX owed, has violated my rights.
XXXX XXXX XXXX, 5 Late Payments, XXXX to XXXX balance, has violated my rights.
XXXX XXXX XXXX, XXXX, 6 Late Payments, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have never given any company such instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. https : XXXX XXXX XXXX XXXX XXXX : XXXX Section 8 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
15 USC 1681i https : XXXX ( a ) Re-investigations of disputed information ( 1 ) Re-investigation required ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable re-investigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
5 USC 552 a https : XXXX ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be 15 USC 6801 b XXXX XXXX XXXXXXXX ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection , shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Case law cited below ; XXXX XXXX vs XXXX, XXXX XXXX XXXX XXXX ( a ) holding that it is inequitable to allow a creditor to belatedly enforce the alleged debt are it received the tax benefit of the charge off These CRAs seem to take pleasure is maintaining inaccurate reports to damage my score and limit my fair access to credit in open violation to federal law! They are literally fighting to remain inaccurate by reporting the disputed accounts as accurate using the alleged creditor or third party source that does not have my permission for any of what they are reporting and they are not able to even provide actual evidence of an investigation for them to be reporting to the CFPB that they have completed one in accordance with the laws. Their persistence to maintain inaccurate reports and to accept the word of these reporting entities without any original documentation is destroyed my credit profile and is causing severe hardship in a time of need when I need access to credit to fight a health issue I am facing. Instead of compassion, they are working to destroy my access.
See attached for evidence of inaccuracies.
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| 06/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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TRANSUNION, XXXX, XXXX XXXX REPORTING AGENCIES ( REMOVING INQUIRIES ) 18 U.S. Code 914 - Creditors of the United States Whoever falsely personates any true and lawful holder of any share or sum in the public stocks or debt of the United States, or any person entitled to any annuity, dividend, pension, wages, or other debt due from the United States, and, under coloXXXX of such false personation, transfers or endeavors to transfer such public stock or any part thereof, or receives or endeavors to receive the money of such true and lawful holder thereof, or the money of any person really entitled to receive such annuity, dividend, pension, wages, or other debt, shall be fined under this title or imprisoned not more than five years, or both.
( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) 18 U.S. Code 798 - Disclosure of classi! ed information ( a ) Whoever knowingly and willfully communicates, furnishes, transmits, or otherwise makes available to an unauthorized person, or publishes, or uses in any manner prejudicial to the safety or interest of the United States or for the bene! t of any foreign government to the detriment of the United States any classi! ed information ( 1 ) concerning the nature, preparation, or use of any code, cipher, or cryptographic system of the United States or any foreign government ; or ( 2 ) concerning the design, construction, use, maintenance, or repair of any device, apparatus, or appliance used or prepared or planned for use by the United States or any foreign government for cryptographic or communication intelligence purposes ; or ( 3 ) concerning the communication intelligence activities of the United States or any foreign government ; or ( 4 ) obtained by the processes of communication intelligence from the communications of any foreign government, knowing the same to have been obtained by such processes Shall be! ned under this title or imprisoned not more than ten years, or both.
( b ) As used in subsection ( a ) of this section The term classi! ed information means information which, at the time of a violation of this section, is, for reasons of national security, speci! cally designated by a United States Government Agency for limited or restricted dissemination or distribution ; The terms code, cipher, and cryptographic system include in their meanings, in addition to their usual meanings, any method of secret writing and any mechanical or electrical device or method used for the purpose of disguising or concealing the contents, signi! cance, or meanings of communications ; The term foreign government includes in its meaning any person or persons acting or purporting to act for or on behalf of any faction, party, department, agency, bureau, or military force of or within a foreign country, or for or on behalf of any government or any person or persons purporting to act as a government within a foreign country, whether or not such government is recognized by the United States ; The term communication intelligence means all procedures and methods used in the interception of communications and the obtaining of information from such communications by other than the intended recipients ; The term unauthorized person means any person who, or agency which, is not authorized to receive information of the categories set forth in subsection ( a ) of this section, by the President, or by the head of a department or agency of the United States Government which is expressly designated by the President to engage in communication intelligence activities for the United States.
( c ) Nothing in this section shall prohibit the furnishing, upon lawful demand, of information to any regularly constituted committee of the Senate or House of Representatives of the United States of America, or joint committee thereof.
( d ) ( 1 ) Any person convicted of a violation of this section shall forfeit to the United States irrespective of any provision of State law ( A ) any property constituting, or derived from, any proceeds the person obtained, directly or indirectly, as the result of such violation; and ( B ) any of the persons property used, or intended to be used, in any manner or part, to commit, or to facilitate the commission of, such violation.
( 2 ) The court, in imposing sentence on a defendant for a conviction of a violation of this section, shall order that the defendant forfeit to the United States all property described in paragraph ( 1 ).
( 3 ) Except as provided in paragraph ( 4 ), the provisions of subsections ( b ), ( c ), and ( e ) through ( p ) of section 413 of the Comprehensive Drug Abuse Prevention and Control Act of 1970 ( 21 U.S.C. 853 ( b ), ( c ), and ( e ) ( p ) ), shall apply to ( A ) property subject to forfeiture under this subsection ; ( B ) any seizure or disposition of such property ; and ( C ) any administrative or judicial proceeding in relation to such property, if not inconsistent with this subsection.
( 4 ) Notwithstanding section 524 ( c ) of title 28, there shall be deposited in the Crime Victims Fund established under section 1402 of the Victims of Crime Act of 1984 ( 42 U.S.C. 10601 ) [ 1 ] all amounts from the forfeiture of property under this subsection remaining after the payment of expenses for forfeiture and sale authorized by law.
( 5 ) As used in this subsection, the term State means any State of the United States, the District of Columbia, the Commonwealth of Puerto Rico, and any territory or possession of the United States.
( Added XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) 15 USC Ch. 41 : CONSUMER CREDIT PROTECTION From Title 15COMMERCE AND TRADE 1679-1679j ; 1681o Civil liability for willful noncompliance ; Civil liability for negligent noncompliance. 1681p. Jurisdiction of courts ; limitation of actions. 1681q. Obtaining information under false pretenses. 1681r. Unauthorized disclosures by officers or employees. 1681s. Administrative enforcement. 1681s1 ; Harassment or abuse. 1692e. False or misleading representations. 1692f. Unfair practices. 1692g. Validation of debts. 1692h. Multiple debts. 1692i. Legal actions by debt collectors. 1692j. Furnishing certain deceptive forms. 1692k. Civil liability. 1692l. Administrative enforcement. 1692m ; Exemption for State regulation. 1692p Exception for certain bad check enforcement programs operated by private entities 1693 ;
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| 01/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Date : XX/XX/22 XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being reported, or demonstrate to me your regulatory right to retain as mandated by FCRA laws. I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my responsibility and otherwise compliant to any and every reporting regulation in my state or federal laws.
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditors # and the ALLEGED dates of the NOT PROVEN COMPLIANT inquiry deficient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XXXX - XX/XX/22 XXXX XXXX XXXX XXXX - XX/XX/22 XXXX - XX/XX/22 XXXX XXXX - XX/XX/22 I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my consumer credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non compliance to reporting obligations so to retain or return to appropriate status of certified metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting. Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity.If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you consumer, immediately so to adequately make rectifiable removal of everyone even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further I am also requesting that they remove any and all of my personal information from your records.
Last XXXX of SSN : XXXX of Birth : XXXX the event it is needed to locate the potentially injurious and fraudulent inquiry in their system.
I am asking that you require them to please send me written confirmation that they have complied with my requests and further for you to advised them that their failure to comply with my requests within five ( 5 ) business days will be my undoubted evidence used in Federal Court of their willful noncompliance [ 15 U.S.C. 1681n ] and that I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees for each and every fraudulent inquiry.
I insist that you do whatever is in your power to ensure that The ( these ) alleged Original Creditor ( s ) complies with my requests and to avoid other Consumers from experiencing the same kind of abuse of their privacy rights.I demand with this declaration of complaint that you please validate this information with these Original Creditors and provide me with copies of any documentation associated with these accounts bearing my signature. In the absence of any such documentation bearing my signature, I formally request that all accusations of inquiries be immediately deleted from the credit file you maintain under my Social Security number. Additionally, any derogatory accounts associated with said unproven or not compliantly reporting or fraudulent inquiries should be immediately extracted from my consumer credit reports, particularly if not fully certificated physically to be 100 % true, accurate, complete, timely, mine, my responsibility, or compliant to metro 2 data field formatted reporting standards as is mandated by obligations of my state and the federal reporting laws related to the matter, namely the FCRA and FDCPA.
Please note that you have a maximum of 30 days to complete this investigation, as per the Fair Credit Reporting Act section 623 ( a ) ( 3 ). I am certain that you know already but please allow me to remind you that your failure ( s ) to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} ( or the maximum allowable sue-able monetary award I can seek ) in damages for one or more of the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act 4 ) unlawful reporting of unproven derogatory information deficient of compliance proof upon a consumer compliance check, dispute, complaint or challenge of compliance!
You will be required to appear in a court venue local to me and very likely to my favor as an obvious victim of your willful disregard of the consumer reporting regulations thereby inflicting unjustified injury to my consumer credibility and reputation, in order to formally defend yourself.
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| 02/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
8. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
14. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
17. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
21. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
22. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
23. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, 1. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXXL Date of inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 2. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX, XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 3. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 4. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 5. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 6. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Date of inquiry : XX/XX/XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 8. Violation to my rights 15 U.S.C 1681 ( a ) ( 4 ) violation XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
9. I Was Never Late on this account XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to file a formal dispute regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX, with regards to account number XXXX.
XXXX XXXX XXXX is reporting an open collection account on my credit report, which was previously owned by XXXX XXXX XXXX. However, the creditor did not provide me with written notice of the sale of my account to a collection agency, as required by FCRA section 623 ( a ) ( 3 ). This lack of notification has caused confusion and distress in my life, as I was unaware that my account had been sold to a collection agency.
Additionally, I have noticed that XXXX, XXXX is reporting the account differently to each credit reporting agency. While TransUnion is showing the account type as an open account, XXXX and XXXX are showing it as a collection account. This discrepancy in reporting could be a violation of FCRA section 623 ( a ) ( 1 ) ( A ), which requires credit reporting agencies to ensure that the information they report about a consumer is complete and accurate.
Furthermore, the dates last reported and last active are being reported differently by each credit reporting agency. TransUnion reported the last reported date as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and XXXX did not report it at all. Similarly, TransUnion reported the last active date as XX/XX/XXXX, while XXXX reported it as XX/XX/XXXX, and XXXX reported it as XX/XX/XXXX. This discrepancy in reporting may be a violation of FCRA section 623 ( a ) ( 1 ) ( D ), which requires credit reporting agencies to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report.
XXXXXXXX XXXX XXXX XXXXXXXX on my credit report. The information being reported is not only inaccurate but is causing significant damage to my credit score and has affected my ability to secure loans and other financial services.
XXXX XXXX XXXX is reporting inaccurate balance and payment information to the credit reporting agencies, which may violate FCRA section 623 ( a ) ( 1 ) ( C ). Additionally, XXXXXXXX XXXX XXXX is reporting different information about the same account to different credit reporting agencies, which may be a violation of FCRA section 623 ( a ) ( 1 ) ( A ). Furthermore, XXXX XXXX XXXX is reporting inaccurate delinquency information to the credit reporting agencies, which may violate FCRA section 623 ( a ) ( XXXX ). XXXX XXXX XXXX is also reporting different dates for the last reported and last active dates for the same account to different credit reporting agencies, which may be a violation of FCRA section 623 ( a ) ( 1 ) ( D ). Lastly, XXXX XXXX XXXX is reporting outdated information to the credit reporting agencies, which may violate FCRA section 605 ( a ) ( 5 ).
XXXX XXXX XXXX XXXXXXXX I have reviewed my credit report and have noticed several inaccuracies that are causing significant damage to my credit score and hindering my ability to obtain credit.
According to TransUnion and XXXX, the account type for my XXXX XXXX XXXX account is a mortgage account, but XXXX is reporting it as a real estate account. Additionally, TransUnion is reporting a monthly payment balance of {$0.00}, but XXXX and XXXX have not reported anything. Furthermore, TransUnion and XXXX are reporting a balance of {$0.00}, but XXXX has not reported anything.
These discrepancies are not only confusing but are also misleading to potential lenders who view my credit report. Moreover, according to all three bureaus, I was 120 days late on XX/XX/XXXX, but I have not missed any payments on this account.
These errors are potential violations of the Fair Credit Reporting Act ( FCRA ). Reporting inaccurate balance and payment information to credit reporting agencies may violate FCRA section 623 ( a ) ( 1 ) ( C ). Reporting different information about the same account to different credit reporting agencies may be a violation of FCRA section 623 ( a ) ( 1 ) ( A ). Reporting inaccurate delinquency information to the credit reporting agencies may violate FCRA section 623 ( a ) ( 5 ). Reporting outdated or incorrect account type information to the credit reporting agencies may violate FCRA section 623 ( a ) ( 2 ).
XXXX XXXX XXXX XXXX According to my credit report, the payment status of my account with XXXX XXXX XXXX is listed as " charge off, '' which is completely inaccurate. I have never received any notification or paperwork from them regarding this charge-off account. Moreover, the monthly payment balance listed by TransUnion is {$0.00}, but XXXX and XXXX did not report anything, which is contradictory and confusing.
Furthermore, TransUnion and XXXX listed my High Credit balance as {$23000.00}, but XXXX did not report anything about it. This inconsistency in the reporting of the same information is a violation of FCRA section XXXX ( a ) ( XXXX ) ( A ), which requires credit reporting agencies to ensure that the information they report is " complete and accurate. '' Reporting inaccurate information about the payment status of the account, inaccurate delinquency information, and inaccurate balance and payment information to the credit reporting agencies are all violations of the Fair Credit Reporting Act ( FCRA ). XXXX XXXX XXXX is in violation of FCRA XXXX XXXX ( a ) ( XXXX ), XXXX ( a ) ( XXXX ), and XXXX ( a ) ( XXXX ) ( C ) by reporting incomplete, outdated, and inaccurate information.
XXXX XXXX XXXX Specifically, XXXX has reported that my account is past due by 30 days, but I have not received any notification from XXXX XXXX regarding this late payment account. They have also failed to provide any paperwork to support their claim.
This inaccurate reporting is a violation of the Fair Credit Reporting Act ( FCRA ) section XXXX ( a ) ( XXXX ), which requires furnishers of information to provide " clear and accurate '' information regarding the type of account and its terms. I believe that XXXX XXXX has failed to comply with this provision of the law.
This inaccurate reporting has had a significant impact on my life. As a result of the negative reporting, I have been denied credit and other financial opportunities that I would otherwise have been eligible for. This has made it difficult for me to obtain the resources I need to provide for my family and live a comfortable life.
I am requesting that the CFPB investigate this matter thoroughly and enforce the relevant laws and regulations to protect my rights as a consumer. Furthermore, I request that the unverified account information be removed from my credit report as soon as possible to prevent any further harm to my creditworthiness.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
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Companies providing wrongful and inaccurate information XXXX, XXXX, Transunion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX applied for an apartment at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, and was inaccurately denied on the above date, in the adverse action letter that was provided to me, and the reason they based the decision for denial, I'm disputing XXXX XXXX reasons for denial based on the inaccuracy of their screening, other than the requirements used to effectively cause a denial or approval based property Mgmt requirements, the credit bureaus are providing inaccurate information on my screening report Based on XXXX XXXX screening their results or reasons for a denial were inaccurate and other reasons used to give a denial were not based on property mgmt XXXX XXXX requirements accurately for the denial of my application to obtain a residence at XXXX XXXX, XXXX XXXX provides documents for the reasons for their denial 1. requesting that XXXX XXXX provide reasons for the denial of my application.
2. Also, provide the requirements of XXXX XXXX
3. What requirements are being alleged that the applicant didnt meet for approval?
4. The stated reasons for denial are based on XXXX XXXX XXXX requirements.
5. Provide documentation of what applicants ' application screening is done by XXXX XXXX consisting of to determine a denial 6. XXXX XXXX XXXX requirements when processed for a screening that will cause a denial or approval based on I will briefly explain why their decision/ reason for the denial was inaccurate, I will also be providing documentation for the inaccurate denial, which I was provided by XXXX XXXX I will also provide you with how XXXX screening decision during the screening of my Application at XXXX XXXX XXXX to receive a denial, then i will also give reasons for each dispute, and why they based their decision inaccurately according to the FCRA XXXX and regulations, or the requirements of the property mgmt at XXXX XXXX XXXX XXXX XXXX decision for the denial was inaccurate and not legible based on what is stated in their Adverse Action letter, I will provide several reasons and exhibit why their decision or reason for denial was inaccurate and insufficient and was viewed insufficiently for their denial and was negligent in their decision, I will provide details of why the application should have been approved Please provide sufficient legitimate reasons for the denial of the application at XXXX XXXX XXXX The reasons used were false for the denial to occur according to XXXX XXXX requirements, i do meet the requirements Please provide how your screening was performed and provide the requirements of XXXX XXXX XXXX XXXX requirements to apply To apply as a leaseholder, applicants must present a valid government-issued photo identification card for each person age 18 or older. Additional identification may be requested.
Applicants must collectively have and provide verifiable income in an amount not less than 3 times the rental rate.
This proof of income can be a letter of employment including the start date, position, and annual income ( If you are self-employed, please provide us with your two most recent tax returns ), one month worth of the most recent pay stubs in PDF form.
There is a non-refundable {$80.00} application processing fee required for each applicant.
Exhibit A : XXXX reason for denial- Adverse Action Letter Your individual result was affected by : Civil Court History Does Not Meet Property Requirements Severe level of Charge-offs Insufficient Income to Support Rent High level of late credit payments Denials/Disputes Civil Court History Does Not Meet Property Requirements XXXX XXXX decision for the denial was inaccurate and not legible based on what is stated in their adverse action letter Upon a Background Check on the Civil Court History there are no civil actions that are allegedly pending against me indicating no money owed, XXXX XXXX XXXX XXXX XXXX XXXX Based on the filing done by XXXX XXXX XXXX XXXX XXXX XXXX they reporting are inaccurate information to the credit bureaus that they have filed a claim against me in civil court, which judge have not Made a decision or issued an order for the applicant to return to court until its proven who has legal authority or possession of the XXXX XXXX XXXX XXXX has also entered inaccurate information on my credit report they stated I owe a negative balance for the vehicle is XXXX the order civil court was not issued to the applicant due to the fact that XXXX XXXX XXXX XXXX have to a bond exceeding the amount of the truck, or be able to able to obtain an amount of more than what the truck is worth the correct amount that's owed to XXXX XXXX XXXX XXXX is XXXX XXXX XXXX XXXX XXXX stated that I owed an amount of XXXX XXXX which they labeled as a charge off, which is also in dispute with the courts and the credit bureaus, for reporting inaccurate information to credit bureaus, based on the discretion of the courts against plaintiff which is XXXX XXXX XXXX XXXX seeks retaliation on the applicant for not accurately proving their claim and not being heard, Which i will be providing all documentation as verification for the reasons my disputing the inaccuracy of XXXX XXXX screening report Civil Court Case XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The civil filing with the property XXXX XXXX at XXXX has been paid and dismissed as they were dismissed by XXXX XXXX and was erased by the credit bureau XXXX.
Exhibit : XXXX XXXX reason for denial Adverse Action Letter Insufficient Income to Support Rent Which i will be providing all documentation as verification for the reasons my disputing the inaccuracy of the XXXX XXXX screening report The property at XXXX XXXX have updated my income requirements in their system property XXXXanager stated that it didnt have anything to do with my income, I have an income of XXXX annuities monthly from XXXX XXXX XXXX XXXX social security monthly in the amount of XXXX XXXX XXXX XXXX XXXX XXXX for denial Adverse Action Letter Severe level of Charge-offs There is a charge-off on my credit report from XXXX XXXX XXXX XXXX which is inaccurate information that is under dispute with the credit bureaus, which they are refusing to move, Please provide other reasons Exhibit D XXXX XXXX reason for denial Adverse Action Letter High level of late credit payments I do not have a high level of late payments where information is also inaccurate reporting to the credit bureaus which is disputed I have a lot of positive payments the stuff that's being reported is fraudulent or I will file a lawsuit,
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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This complaint is about TransUnion Credit Reporting Agency : Dated : Wednesday XXXX XXXX XXXX Subscribing to XXXX for a 7 day trial for {$1.00}, which allowed me to access my credit file from all three credit reporting agencies.
In review specifically the file and items on file with TransUnion there was one item incorrect.
XXXX facilitated at there site to link to TransUnion to file a dispute. When doing so TransUnion site prompted me to put in personal data and establish an account etc. of which I TRIED TO DO. BUT : 1 ) Error messages would come up Technical Difficulties 2 ) URL not valid.
3 ) Then I proceeded further to try to establish an account of which I really do n't know if I did but there system said I already had????????? But then the following day it said the same that I already had a established account, and I needed to put in the username and password of which I thought I did and there system said it was incorrect.
4 ) Also if correct as I understood that I had already signed up for some kind of monthly service contract of which I am totally unaware of doing. On the internet there is no way I could access anything through there site.
5 ) I did find a phone number to try to call them and after a couple hours of trying numerous times of which their system walks you through about 10 minutes of XXXX to try to talk to someone. Then no one does pick up the phone on their end, and you are put on endless relentless hold.
6 ) All of above took almost all afternoon Monday XXXX. So frustrated I just had to walk away from it for the day.
THE FOLLOWING DAY Tuesday XXXX XXXX ) Trying to access on internet the same as above same problems and their site insisted that I sign up and pay for a subscription fee of some type of which I never agreed to.
2 ) So back at the phone again same XXXX as the day before -- - then not answering phone being put on relentless hold : 3 ) Finally after several hours of going through their circus of being run around a person by the name of XXXX picked up the phone @ XXXX XXXX. He was hard to hear, could n't speak good English, and I told him what the situation was so then he tried to hook me over to another department then they never did pick up the phone after being put on hold for about 1/2 hour. So I hung up.
4 ) Trying all afternoon relentlessly phone call after phone call being put on hold, no one time and time again picking up the phone. An in fact I felt after relentless tries TransUnion blocked me from calling in, as some kind of message came up saying I was dialing something or etc. incorrect of which I was n't as I was dialing the same number as prior when I was put on relentless hold.
5 ) So finally after trying relentlessly all afternoon at XXXX XXXX a XXXX answered the phone. She again could not speak with a good phone connection and spoke broken unclear English. I was finally able to make some kind of sense with this gal. and file a dispute with her about a single item in their credit file of me. ( which will be outlined ) below. She gave me the address to file and mail with TransUnion@XXXX XXXX. XXXX XXXX XXXX, PA XXXX the file confirmation number IS : XXXX. This phone call with her lasted about 45 minutes which is totally stupid. She told me that I would be getting a confirmation from TransUnion via my email.
6 ) Well guess what this morning I do get an email from TransUnion which did not confirm or acknowledge of me filling a dispute BUT a solicitation to purchase one of their services. FOLLOWING PASTED FROM THAT EMAIL!
XXXX, do n't miss out on your monitoring!
It only takes a few minutes to complete your TransUnion Credit Monitoring order. But once you do, you 'll enjoy month after month of easy credit management, powerful credit protection & quick credit mastery all at a great low price.
SHOW ME WHERE TO ORDER NOW!
7 ) And no where in that email is a link to check of the filing and followup of the dispute which was filed with XXXX @ XXXX XXXX yesterday via phone # XXXX.
From what I see @ Website cfpb I see that I am entitled to a free complete file for free, Once per year and being fact that I am on partial public assistance. And they are relentlessly trying to solicit me to join and pay. I 'am sure that if I click on the link that as yesterday I will not be able to access anything other then them trying to get me to pay for some kind of fees etc.
SO MY COMPLAINT WITH TRANSUNION!
1 ) Absolutely lousy service!
a ) not answering phone b ) being put on relentless hold then phone never answered c ) Employment of person 's that have lousy phone connections d ) Hiring of non affluent speaking English employees because they are cheaper then real Americans.
e ) Opinion of their attitude : Hire cheap, lousy service, lousy phone connections, no appropriate followup, as the public are all bad and we are going to teach them right.
f ) I am sure that for followup in regards to my filing of dispute they will give lousy service as all of the above as WHY SHOULD THEY DO OTHERWISE??????????
g ) They have a license to do what ever they want with no accountability to anyone.
h ) After all all they have to do is NOTHING and pretend they are wonderful and the $ $ $ $ $ $ $ $ $ keep rolling in!!!!!!!!
Pasted from TransUnion site : We are experiencing technical difficulties.
You Already Have an Account What happened : According to the information you provided, it appears that you already have an account with TransUnion.
Well if I have an account I CA N'T ACCESS IT!!!!!! SO WHAT IS POINT OF HAVING ONE?????????
DISPUTED ITEM ON CREDIT FILE XXXX Act. # XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX Opened XXXX Reported Open Condition {$170.00} Balance I have not had an XXXX XXXX XXXX XXXX phone for around 5 plus years. When that account was paid and closed in full five years or so ago. It was discussed with XXXX XXXX XXXX employee what the balance was. The balance as told to me was paid in full and written on the Check " PAID IN FULL '' So again a big company not giving good service and followup.
In fact the file shows this was opened in XXXX which is in total error. as I have had a XXXX phone for about 5 years or so.
Another example of how big companies bully and intimidate clients.
If I call XXXX they pick up the phone on their end within at most a minute, they speak good English, good phone connection, if their bill is in error they will happily make a correction, and their is no goofiness about them.
Filed XXXX This is totally ridiculous that I have spent in excess of two days trying to resolve all when they could have had it done in about 20 minutes with good service.
But : As consumers our time is worthless and of no value?????????
|
| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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|
Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
2. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
3. XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
4. The following personal information is incorrect Account Number : XXXX, XXXXXXXX XXXX- This name belongs to someone else. Delete it from my report immediately.
5. The following personal information is incorrect Account Number : XXXX, XXXX, XXXX- This name belongs to someone else. Delete it from my report immediately.
6. The following personal information is incorrect Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX -This address belongs to someone else. Delete it from my report immediately.
7. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX, OR XXXX - This address belongs to someone else. Delete it from my report immediately.
8. The following personal information is incorrect Account Number : XXXX - This name belongs to someone else. Delete it from my report immediately.
9. The following personal information is incorrect Account Number : XXXX XXXX -This name belongs to someone else. Delete it from my report immediately.
10. XXXX XXXX XXXXXXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
11. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
12. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
13. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
14. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
15. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking XXXX per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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Greetings, these are the currents laws being broken.According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, Transunion and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the XXXX XXXX and the XXXX reporting agencies XXXX, Transunion and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' These accounts are adverse items they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of their reporting services. -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The accounts/inquiries and their respective agencies are : TRANSUNION : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Dear Concerned Credit Reporting Bureau And XXXX XXXX XXXX XXXX : This is a formal Complaint by XXXX XXXX XXXX full SSN XXXX, my address is above ) and addressed to the receivers of it or it is against your institution XXXX XXXX XXXX so this Complaint also is against you the credit bureau. I am complaining against your failure to investigate appropriately and diligently a matter that I disputed with you. I am complaining against you for not willing to comply and remove inaccurate information off my records that you store in your databases and it has a significant impact on my financial reputation and my well being and other personal impacts.Your failure is a violation of the Fair Credit Reporting Act FCRA as a credit bureau who kept innacurate Information on my current credit report despite I proved to you that inaccuracy. You failure is in violation of the Consumer Financial Protection Act Of 2010 CFPA, your consent order with the Office Of The Comptroller of the Currency OCC and also your consent order with the Consumer Financial Protection Bureau CFPB as to XXXX XXXX XXXX who introduced that same exact inaccurate information against my financial records as shown in my current credit report. XXXX XXXX XXXX XXXX committed more than continouing to keep inaccurate information against me and in retaliation against me after knowing the fact and motivated by my protected activities againt this bank. The subject of this complaint is clear and is about inaccurate information in my financial records with you. After this complaint and any situation after this, I reserve all my rights and all stated herein is to my current states belief, knowledge and understanding and it is all subject to any change or correction of any type and at any time and by my person or my representative and without waiving my rights.
What is the innacurate Information that was disputed and kept against my will by the violators?
Recently, upon monitoring my credit report with the concerned credit bureau institution, I discovered innacurate information on the report. The innacurate Information is without a doubt, the malicious use and forgery against my information. I will further specify the innacuracy found, disputed, requested it to be corrected or removed with my supporting evidences provided or stated to your company but still you kept it unchanged against my will and in violation of the law.
my XXXX XXXX XXXX credit account number XXXX ( account ending in XXXX ) which I opened on XXXX of year XXXX with credit line of {$5000.00} shows on my credit report as closed which is something I rejected it to those concerned and I also have a legal dispute about it and other issues and with XXXX XXXX XXXX not only as their customer but also as an employee of that bank.
The innacuracy is the wrong information shown on a new XXXX XXXX XXXX account number different from the above ( I will name it : cover-up Account ) which is under my Information and XXXX XXXX XXXX was noticed or informed of my rejection of its existence and I believe it is a fraudulent Account opened intentionally by XXXX XXXX XXXX.opening the cover-up Account is fraud and this is a different subject in different case not the primary subject of this complaint which I described above XXXX I believe XXXX XXXX violated the above referenced consent order to open an account with my information and against my will. The cover-up account was opened under my information but against my will,, that is a fact that is not what I disputed with you credit bureau. I further informed you in my dispute that XXXX XXXX account shown open now in my credit report ( or the cover-up account ) never existed and/or recorded in any of my credit reports or my XXXX XXXX XXXX statement at any time prior to the month of XXXX of this year XXXX and there is no way you can prove the opposite of this fact.. It is innacurate Information that cover-up Account is shown now in my current credit report with you as an account that was opened before this year of XXXX. Indeed, that is inaccurate and after I disputed it is still on my credit report as if it was opened in year XXXX or before year XXXX knowing it never existed before XXXX Isnt inaccurate to say that account was opened in year XXXX and it was not.For the credit bureau now and again through the CFPB platform and in this complaint against you, please delete the inacurate information and make sure a complete information is recorded on any of my accounts within your credit bureau. Just deleting when an account opened without further completeness is still in violation the FCRA. You didnt do anything about the inaccurate information as a credit bureau and it is your obligation .For XXXX XXXX XXXX XXXX you committed fraud against me by opening that account ending in against my will and reporting it the way it is now on my credit report, with inaccurate information meant to cover up your other violations against me but you are to stay assured that you will be held accountable in court.
Both the credit bureau and XXXX XXXX XXXX are conspiring against my person. The credit bureau insisting to keep inaccurate information to cover up XXXX XXXX XXXX fraud againt me is illegal. Each one of you is to assume the full legal consequences of your actions that I believe you did againt me in violation of the law.
whether you are XXXX XXXX XXXX or the credit bureau you are responsible for the accuracy of my information by law especially when I disputed an inaccuracy and/or incorrect information about me and within you control and I proved to you by evidence that account information is inaccurate and/or should never existed XXXX You are obligated to correct the inaccuracy which I believe is Fraud for your knowledge that is wrong and you insist to keep it. I believe you are violating my rights and with recklessness and you were given many chances and enough time but you failed to comply to law and respect your obligations toward my personal data or my information. You must comply to the law XXXX XXXX XXXX and the credit bureau. You are going to be sued and no one will stop that without returning to me or my representative and without Waiving my rights and all my rights reserved to me or my representative.
I consent to the CFPB to view my credit reports before this year XXXX and the current one with the inaccurate information as detailed above.
The violators has access to what they need to comply with the law and stop their retaliation and harassment almost in daily basis and againt a singled man but protected by law and before that by XXXX.
Very Respectfully, The complainant Today is XXXX XXXX
|
| 07/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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all accounts are inaccurate information or ftc violations XXXX XXXX XXXX XXXX {$230.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$230.00} High Balance {$230.00} Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$990.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$990.00} High Balance {$990.00} Remarks Consumer disputes - reinvestigation in progress Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1100.00} High Balance {$1100.00} Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$6400.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$6400.00} High Balance {$6400.00} Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$1900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX I XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1900.00} High Balance {$1900.00} Remarks Consumer disputes - reinvestigation in progress Consumer disputes this account information Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$200.00} High Balance {$200.00} Remarks Consumer disputes - reinvestigation in progress Collection account Creditor Contact Details No contact information has been reported by this creditor.
Public Records XXXX XXXX XXXX Account Type Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit {$500.00} Term -- Monthly Payment {$20.00} Responsibility Individual Account.
Balance {$740.00} Highest Balance {$850.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$740.00} Times 30/60/90 Days Late XX/XX/XXXX Remarks Consumer disputes - reinvestigation in progress Collection account XXXX XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 12 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$1000.00} Payment Status Current Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Consumer disputes - reinvestigation XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 58 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$9900.00} Payment Status Current Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Consumer disputes - reinvestigation in Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 12 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$1000.00} Payment Status Current Worst Payment Status -- Date of Last Payment -- Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Consumer disputes - reinvestigation in progress Last Reported XX/XX/XXXX Creditor Name XXXX/XXXX Account Type Installment Sales Contract Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 8 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$0.00} Highest Balance {$170.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Consumer disputes - reinvestigation in progress XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Note Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 10 Months Monthly Payment {$30.00} Responsibility Individual Account.
Balance {$300.00} Highest Balance {$300.00} Payment Status 90-119 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$120.00} Times 30/60/90 Days Late 1/1/0 Remarks Consumer disputes - reinvestigation in XXXX XXXX XXXX XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 7 Months Monthly Payment {$50.00} Responsibility Individual Account.
Balance {$330.00} Highest Balance {$250.00} Payment Status 60-89 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$240.00} Times 30/60/90 Days Late 1/0/0 Remarks Consumer disputes - reinvestigation in progress XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Partially Secured Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 6 Months Monthly Payment {$0.00} Responsibility Individual Account.
Balance {$380.00} Highest Balance {$500.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due {$380.00} Times 30/60/90 Days Late 0/0/0 Remarks Charged off account Fixed rate Payment History Latest Status : Collection/Charge-Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unknown Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX all ftc violations
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| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof.
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The following items need to be removed and blocked as they are fraudulent.
1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX XXXX Account Number : XXXX Delete this account.
2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.
3. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 5. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.
7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Delete this account.
8. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : RETIRED 13. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXXXXXX 15. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX 16. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : RETIRED 18. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
29. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXXXXXX XXXX 34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX MA Date of inquiry : XX/XX/XXXX Delete this account.
42. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
44. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
45. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 46. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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| 02/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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More than 30 days have passed with no verifiable proof that a negative account belongs to me this must be deleted immediately, unfamiliar addresses being reported on my credit file, my current employer has not been updated, and investigate unauthorized credit inquiry.
I am writing to the Consumer Financial Protection Bureau to inform you of an error on my credit report and I request Transunion provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). I have exercised my right under the Fair Credit Reporting Act, Section 609, to request information regarding the item that is listed on my consumer credit report, As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature.
( g ) A credit reporting agency shall provide written notice of the results of any reinvestigation under this subsection [ which ] shall include : ( 5 ) a description of the procedure used to determine the accuracy and completeness of the information, including the name, business address, and, if available, the telephone number of any person contacted in connection with such information Accordingly, the consumer ( XXXX XXXX XXXX ) did not provide written instructions to any companies listed on my credit file to pull a hard credit report as is required prior to Creditors pulling a consumer report, pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) of the FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX ( XXXX ) Requested On XX/XX/XXXX On XX/XX/XXXX, ( see attached letter ) a letter was sent to Transunion to provide me with verifiable proof or delete the records immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). By USPS Certified Mail, ( see attached notice ) Tracking Number : XXXX, this item was delivered at XXXX XXXX on XX/XX/XXXX, in XXXX, PA. XXXX. As stated in Section 609 of the FCRA, A consumer reporting agency is required to remove or delete accounts that can not be verified. More than 30 days have passed and XXXX has NOT provided me with verifiable proof that XXXX XXXX belongs to me.
I have found an inaccurate and unverified item. This has negatively impacted my ability to receive credit and has provided unnecessary embarrassment and inconvenience.
The courts hold that in order to fulfill its obligation under 1681i ( a ) a credit reporting agency may be required, in certain circumstances, to verify the accuracy of its initial source of information. Henson, 29 F.3d at 287. We further hold that [ w ] hether the credit reporting agency has a duty to go beyond the original source will depend on a number of factors.
( a ) If the completeness or accuracy of any item of information contained in the consumer 's file is disputed by the consumer and the consumer notifies the credit reporting agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information on or before 30 business days after the date the agency receives notice from the consumer.
( e ) If, after a reinvestigation under subsection ( a ) of this section of any information disputed by the consumer, the information is found to be inaccurate or can not be verified, the credit reporting agency shall promptly delete such information from the consumer 's file Sections 1681n and 1681o of Title 15 respectively provide private rights of action for willful and negligent noncompliance with any duty imposed by the FCRA and allow recovery for actual damages and attorneys ' fees and costs, as well as punitive damages in the case of willful noncompliance. Philbin, 101 F.3d at 962.1 As I am aware, it is my right, according to Section 609 of the FCRA , to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As is my right, I am requesting all unverifiable accounts be removed immediately and i NEVER provide written instructions to any companies listed on my credit file to pull a hard credit report as is required prior to Creditors pulling a consumer report, pursuant to 15 U.S.C. 1681b ( a ) ( 2 ) of the FCRA.
FCRA 611 ( 15 U.S.C. 1681I ) PROCEDURE IN CASE OF DISPUTED ACCURACY ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the consumer 's file or modify that item of information, as appropriate, based on the results of the reinvestigation.
As is my right, I am requesting the unverifiable account be removed immediately of the following items : Account : XXXX XXXX Potentially Negative Account Info Account Name XXXX XXXX Account Number XXXX Account Type Cell Phone Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$2000.00} past due as of XX/XX/XXXX.
Status Updated XXXX XXXX Balance {$2000.00} Balance Updated XX/XX/XXXX Recent Payment $ XXXX Monthly Payment {$0.00} Original Balance {$2000.00} Highest Balance {$2000.00} Terms 1 Months On Record Until XX/XX/XXXX Contact Info Address : XXXX XXXX XXXX, XXXX TX XXXX Phone Number ( XXXX ) XXXX XXXX My letter asked Transunion to please remove all misspell names, previous, old unfamiliar addresses, and update my employers to my credit file and I do not want to be subjected to identity theft. I dont want anything other than the information listed below reporting on my credit file.
My name is XXXX XXXX XXXX My Current address is XXXX XXXX XXXX. XXXX XXXX, Ga. XXXX My phone number is XXXX My Social Security number is XXXX My current employer is XXXX XXXX XXXX XXXX As of todays date, Transunion has NOT sent me an updated copy of my credit report, which should have been sent to the address listed above. According to the provisions of, 612 [ 15 USC 1681j ] A consumer reporting agency shall provide a consumer report under paragraph ( 1 ) not later than 15 days after the date on which the request is received under paragraph ( 1 ).
See Attached : a copy of proof of my identity ( name, birth date, SSN, current mailing address ) along with a copy of the letter dated XX/XX/XXXX, requesting verifiable proof the account belongs to me, a copy of USPS Certified Mail Tracking Number : XXXX.
Thank you for your help.
XXXX XXXX XXXX
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
5. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
6. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
7. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
8. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
9. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
10. XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
11. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
17. XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I recently applied for a HELOC loan. Due to a medical situation I have to be out of work for XXXX months. Although my insurance and job will be continuing- Job secured, medical insurance paid for. I will not be receiving a paycheck. I was denied the loan. I was confused. So I checked my credit reports, for the first time, XX/XX/XXXX. XXXX. My credit reports from all Agencies were wrong. I requested that all three Reporting Agencies, freeze my reports. I repeatedly spoken with their customer services each one had different information. XXXX, told me they ran me through the dark web.. and my information had been exposed, XXXX and again in XXXX. And my name and information was on there XXXX times. They froze my account and told me to report stolen identity. XXXX read my reports and disputes, investigated and begin correcting things right away. They did tell me to report fraud. XXXX-has merged my information with my twin sister and another unknown person. Everything is wrong- names, addresses, loans, debts, collections .... Every time I speak with TransUnion or dispute something, my report gets changed with different incorrect information and more loans have been added, lowering my score each time. Yesterday XXXX, I called TransUnion again because My sister was now associated with my social security number. I was unable to talk to anyone because they couldn't verify me and told me and that there wasn't anything they can do. There are XXXX student loan accounts now, XXXX mortgages, delinquent bills, personal loans, unpaid bills in credit collections, credit cards that were never paid, several credit cards that were open. There is even a house that has been foreclosed on and an address that is listed as a XXXX XXXX XXXX The only loan I have is my current mortgage, which is up to date, reflects my payments- and in good standing- I've never been late on my mortgage payment. I have reported ID theft, and Fraud. TransUnion has not frozen my account nor investigated any dispute. The first time I spoke with someone from TransUnion 's customer service, credit repair agencies. lenders, and many scammers immediately started contacting me, and the TransUnion report now shows almost a hundred inquiries on my report Transunion has sent emails telling me my information was correct and my bank is where they got my personal information. has also been contacting me telling me they have gotten information from me through my bank and creditors. They assured me There is no incorrect information! They have been changing things on my report to " correct it '' everyday since XX/XX/XXXX, but have only deleted correct information and added more incorrect information with other people 's information now on it.
XXXX XXXX the following I wrote the following in a dispute : The information on my report is wrong. It says I have loans and credit cards and mortgages and auto loans in Connecticut and Virginia. The names and addresses and place of employment are wrong as well. I talked to some one to assist and correct or look into this ... they next day, they had changed it. They put the wrong primary name and wrong current address on the report. It won't let me change it and they won't upload a dispute of mine of possible Identification theft. This is a serious matter. They keep going in and changing or adding names or addresses ( that are wrong ).
They sent an email about an hour later informing me that they investigated and corrected my report.
They did not correct it but they did make changes to it. My mom was listed as primary and me and my sister were AKA. Her name was on twice, misspelled.
I replied : Its about ALLLLLL of the loans and credit cards taken out and used in my name. Thousands of dollars. I need to dispute and contact someone about this, not a name change. ALLL of the REPORT is WRONG I disputed several things again : About an hour later. I received an email in regards to all the disputes. They informed me I was able to view it through my TransUnion account. I logged on and viewed it. It was incorrect and additional loans and reported place of work addresses a cable bill in collections. Several things not mine.
I called customer services again. They gave me information to contact a lawyer through them, for a fee of XXXX and had me say that I agreed or I didn't agree over the phone in order to agree to the terms to have their legal team look at my disputes, after I said I agreed to have a lawyer look at my report XXXX was immediately drafted from my personal checking account. XXXX XXXX XXXX sent me an email saying they would review my case within 30 days, I needed to just sign e-sign the form they sent. Then I read a link from the email that stated each month during the investigation would be a fee and drafted from my personal banking account. I tried to get in touch with them, the phone number was just a recording and I wasn't able to speak with anyone about closing my account. Hours later I was finally able to have that account with them closed. I'm at a loss now and do not know what to do anymore or who to contact.
Again I made a dispute and the same day received an email stating that the investigation was complete and I could check my report to view the results. Again they informed me that they looked into the matter and resolved the dispute.
I checked my report it had been changed and was wrong again.
I disputed all of the wrong information again..
I replied again : REPORT IS WRONG AGAIN. IT STILL HAS ALL THE WRONG INFORMATION. I DISPUTED ALL THE THESE THINGS ON THE XXXX, XXXX, XXXX, XXXX, BECAUSE EVERY DAY IT WAS WRONG AND SMALL THINGS WERE CHANGED WITH MORE WRONG INFORMATION EACH DAY. TODAY THE REPORT IS WRONG AND INCLUDES EVEN MORE INFORMATION AND LOANS AND DEBTS THAT ARE NOT MINE AND DOES NOT HAVE ME EVEN ASSOCIATED WITH MY OWN SOCIAL SECURITY NUMBER, SEVERAL INCORRECT THINGS HAVE BEEN DISPUTED. HAVE NOT CHANGED, AND ADDITIONAL LOANS AND DEBTS THAT ARE NOT MINE HAVE BEEN ADDED TO MY REPORT. IT WON'T LET ME DISPUTE AGAIN OR DISPUTE THE NEW INCORRECT ONES THAT ARE NOT MINE THAT WERE ADDED TODAY OR DISPUTE THE WRONG NAME ON MY SOCIAL SECURITY NUMBER.
I am no longer able to speak to anyone because now my Identification can not be verified. I was cut off several times when I called to explain and verify and proof I was in fact me.
I have spent days, all day trying to fix this. Have lost sleep over this, spent hours crying and I am beyond physically and emotionally exhausted and stressed over this. I'm at a lost of words now and I do not know what to do at this point.
I need this looked at and I something done to fix it as soon as possible.
Thank you XXXX XXXX
|
| 01/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information.
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately.
1. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX CA Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. These inquiries were not authorized Please provide me validity of the inquiry.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Delete this account.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Delete this account.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Delete this account.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX Account XXXX : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX
|
| 04/18/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Complaint 1 : In accordance with the Fair Credit Reporting act : Account Name XXXX XXXX XXXX Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 2 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 3 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 4 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 5 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 6 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 7 : In accordance with the Fair Credit Reporting act : Account Name : XXXX Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 8 : In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 9 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 10 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 11 : In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 12 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 13 : In accordance with the Fair Credit Reporting act : Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 14 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 15 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 16 : In accordance with the Fair Credit Reporting act Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 17 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Complaint 18 : In accordance with the Fair Credit Reporting act : Account Name : XXXX XXXX XXXX Account Number : XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
|
| 04/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mines.
5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mines.
6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mines.
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
XXXX there is some inaccurate information reporting.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account.
XXXX there is some inaccurate information reporting.
XXXX Account Number : XXXX Delete this account.
XXXX. XXXX XXXX CODE XXXX - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS CXXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete From My CREDIT REPORT XXXX. The following personal information is incorrect Account Number : EMPLOYER : RETIRED XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : RETIRED XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX ACCEPT Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, A XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXXXXXX 15 U.S. CODE 1681B XXXX PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE XXXX - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX MA Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX
|
| 04/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Re : Second Complaint Against XXXX XXXX ( XXXX XXXX XXXX XXXX ) Dear whom this may concern, I am writing to file a second complaint against XXXX XXXX ( XXXX XXXX XXXX XXXX ) with the Consumer Financial Protection Bureau for their repeated inaccuracies in reporting my payment history to the three major credit bureaus ( TransUnion, XXXX, and XXXX ), causing significant damage to my credit score and personal well-being.
What happened?
- On XX/XX/XXXX, I received a notice from XXXX XXXX stating that they had reported me as 30 days past due for my XX/XX/XXXX, minimum payment, despite having made the payment on time. This resulted in a XXXX drop in my credit score. I disputed the late payment report with XXXX XXXX and XXXX XXXX XXXX XXXX throughout XX/XX/XXXX and into XXXX.
- In XX/XX/XXXX, the XX/XX/XXXX late payment report was removed from my credit report. However, a new late payment report for XX/XX/XXXX was added, causing a further XXXX drop in my credit score.
- On XX/XX/XXXX, shortly after submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), I was notified by XXXX of another potential error on my credit report. XXXX XXXX had removed the XX/XX/XXXX late payment report and reinstated the XX/XX/XXXX late payment report, which is the third instance of inaccurate reporting.
- Throughout this period, I have been in constant communication with XXXX XXXX representatives, level 2 and 3 managers, and even emailed XXXX XXXX Bank directly via their corporate investor email that, resulted in XXXX XXXX XXXX XXXX 's " Escalation Analyst '' XXXX XXXX being assigned in XX/XX/XXXX to fix this second inaccurate report and, who assured me that he would work with the team to fix the issue. Despite their assurances, including " Escalation Analyst '' XXXX XXXX personally and serval Level 2 and 3 supervisors, the situation has not been resolved, it in fact has worsened as of a fe moments ago again today XXXX, XXXX for the third time after just submitting a complain to the Consumer Financial Protection Bureau only minutes ago.
Throughout this process, I have been in constant communication with XXXX XXXX and XXXX XXXX XXXX XXXX, including speaking with customer service representatives, level 2 and 3 managers, and even an " Escalation Analyst '' named XXXX XXXX. Despite assurances from these individuals that they could see the error and would work to resolve the issue, the problem has not only persisted but worsened.
I am currently six months XXXX and have been diagnosed with XXXX XXXX XXXX, which I believe has been exacerbated by the stress caused by these ongoing credit reporting inaccuracies. The emotional and physical toll this situation has taken on me is immense, and I am in desperate need of a resolution.
I request that the Consumer Financial Protection Bureau investigate this matter thoroughly and help facilitate a resolution that addresses the ongoing inaccuracies and damages caused by XXXX XXXX ( XXXX XXXX XXXX XXXX ) to my credit report and personal well-being. I am willing to provide any additional documentation or information necessary, including my credit reports, but I would prefer to share this information directly with the Consumer Financial Protection Bureau to protect my personal information.
I appreciate your attention to this matter and look forward to your assistance in resolving this ongoing issue.
P.S. Please do note that several of the responses from XXXX XXXX dispute emails sent after putting in complaints and disputes do not reflect my initial dispute. For example, please reference the first dispute that XXXX XXXX reduced to correct ; it references interest that I did not make my first complaint about it was about and has always been about the 30-day negative mark on my account. This inaccuracy of the investigation reports that despite my dispute, XXXX found my dispute unfounded and refused to remove the 30-day mark, that now has included XX/XX/XXXX, then XX/XX/XXXX, and now only moments ago, back to XX/XX/XXXX.
__________ Note : Below is a brief recap/highlight of the previous complaint I sent to CFPB only moments ago today XX/XX/XXXX before just receiving this new update only moments after my submission of a third credit reporting error. Please do note this is a completely new complaint due to XXXX XXXX 's additional inaccurate report of XX/XX/XXXX, only moments after my complaint for the two inaccurate 30-day late reports. It is now a third one that is new. The below highlights are for reference from my complaint submitted a few minutes ago : I am writing to file a complaint regarding my XXXX XXXX account, managed by XXXX XXXX XXXX XXXX. The issue involves inaccurate reporting of late payments and their negative impact on my credit score.
Issue Overview : - Two 30-day late payment marks were inaccurately reported for XX/XX/XXXX and, most recently, XX/XX/XXXX.
- A new, unexplained 30-day late payment mark for XX/XX/XXXX.
- XXXX credit score loss due to these negative marks.
- Inability of XXXX XXXX representatives and XXXX XXXX XXXX XXXX - Analysts to resolve the issue or provide adequate explanations.
Background : I have been trying to resolve this issue since XX/XX/XXXX, making multiple calls, submitting disputes, and requesting complaint submissions. Despite repeated assurances from XXXX XXXX representatives that the late payment marks would be removed, the issue persists.
Impact : I am currently XXXX months into a high-risk XXXX, and this situation has caused significant stress and negatively impacted our housing plans and overall credit report.
Previous Attempts at Resolution : I have contacted XXXX XXXX representatives, level 2 and 3 supervisors, and XXXX XXXX XXXX XXXX Analysts multiple times between XX/XX/XXXX and XX/XX/XXXX, but the problem has not been resolved. It has worsened with an additional, unexplained late payment mark for XX/XX/XXXX.
Request for Investigation : I kindly ask that your department investigate this complaint, review the detailed notes and call recordings from my interactions with XXXX and XXXX XXXX XXXX XXXX, and correct the inaccuracies on my XXXX XXXX account.
Additional Information : Please note that the first email I received in response to my dispute did not address my complaint about the 30-day late payment mark for XX/XX/XXXX but instead discussed interest charges.
I can provide detailed notes, email records from XXXX showing the late payment notices they sent despite my timely payments, and the email dispute correspondence that continues to deny my dispute.
Thank you for your attention to this matter. I look forward to a prompt and just resolution.
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| 08/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This is a complaint against XXXX XXXX for unfair actions, deceptive practices, and inaccurate reporting from XX/XX/XXXX - XX/XX/XXXX. I have a problem with their payment allocation process, which allows them to sit on the money and charge daily interest on the higher balance, erroneous PD fees, a XXXX property inspection fee on XX/XX/XXXX which they already had a class-action lawsuit about, and how it took 4 MONTHS to get my hardship reviewed, and 3 months to get an offer approval! Their lack of attention to this matter almost cost me the sale! I felt like it was done intentionally to force me into foreclosure. To start off, multiple payments were made each month to pay ahead and help with overall interest. XXXX would put the funds in an unapplied hold until it totaled to the amount due for that month, and then apply the payment to my account. The problem is in XX/XX/XXXX, XXXX was applied in total payments, but a late fee of XXXX was applied on XX/XX/XXXX, even when {$1500.00} was paid in addition to the overpayment we had on the account. We always paid this way from the beginning. I immediately called XXXX when I got the credit alert from XXXX XXXX and they did a payment investigation. They adjusted my account and added the unapplied payment amount of XXXX on XX/XX/XXXX, and was also supposed to credit my XXXX past due fee and correct my past due history, which they never updated. On XXXX/XXXX/XXXX, I disputed the history with XXXX XXXX, which was corrected on my reports on XX/XX/XXXX for XXXX and XXXX, but the fees were never adjusted back with XXXX, nor was the history updated within XXXX. In XX/XX/XXXX, XXXX reported 30 days PD as a result of an error of misapplied payment on their part and still holding XXXX in unapplied payments according to the XX/XX/XXXX statement. XX/XX/XXXX, I went through a domestic situation which resulted in me having to get an emergency protective order against my then spouse and filing for divorce. XX/XX/XXXX was a very trying time for my kids and I to leave our home temporarily, find safety, and seek assistance. When I finally had the mental capacity, I spoke to XXXX in XX/XX/XXXX, and advised them what was happing and what could I do to protect my name and credit because my score was XXXX before all of this! The rep told me that I had unapplied funds of XXXX and just needed to pay XXXX to bring the account current, so I paid XXXX on XX/XX/XXXX, and the rep applied the XXXX. When I inquired about assistance at that time, I was told that I would receive a package in the mail to apply, I NEVER received it. In XX/XX/XXXX, I called XXXX for hardship assistance and finally received the package mid-XXXX. Please note the timeline : - I faxed over my hardship letter, copy of Emergency Protective Order, and Divorce Petition on XX/XX/XXXX ( no response ) - I called and spoke to Loss Mitigation several times to confirm receipt ( advised not received ) - On XX/XX/XXXX I emailed XXXX my hardship letter, EPO, and that I had to flee the premises for protection because my then spouse was still living there since his name was on the deed.
- On XX/XX/XXXX, I spoke to loss mitigation and they needed me to complete a hardship package that they emailed me the same day to determine which program I may apply for. I was hoping to get some sort of forbearance or temporary suspension or even a reduction on the mortgage.
- On XX/XX/XXXX, I obtained a realtor and put the house on the market to sell - On XX/XX/XXXX, I completed the paperwork for loss mitigation AGAIN and emailed back along with my paystubs, hardship letter to prove that my income has significantly changed due to my separation from spouse, and I also had to prove additional expenses because I now have XXXX minor kids to take care of myself.
- Again, I waited until my realtor then applied for a short sale to bring the price down ( mind you, nothing from hardship ) - XX/XX/XXXX, I emailed XXXX the short-sale request form, 4506T, XXXX Taxes, paystubs again, bank statements, etc for hardship due to decreased income from then spouse, and additional child to take care of. These papers were emailed, faxed, and mailed several different times by both my realtor and I. They even sent me outdated papers, which cause me to redo and resubmit.
- Now we are in XXXX, the assigned person to my case, we could never get ahold of to speak to. I was finally, advised that since my spouse is not on the loan, I didn't qualify for any programs to help with the mortgage while it was being sold. I advised them that they considered and took his income information when I applied for the loan, showing I had over 100K of gross income in the household, but that fact that I am down to 1 income of around 63k with XXXX kids doesn't qualify as a hardship??? Not to mention, he was squatting in the house until XX/XX/XXXX because VA law doesn't allow me to have him removed, I had to legally evict him!
- My realtor followed up every week with XXXX XXXX to be advised of no updates.
- on XX/XX/XXXX, I get an offer on the house to close on XX/XX/XXXX, paperwork signed and submitted immediately - On XX/XX/XXXX, my realtor files a complaint with HUD, obligation for this case # XXXX because we want to get the loan satisfied, and it was 45 days at that time since the buyers submitted their offer.
- On XX/XX/XXXX, I get an email from my realtor advising the buyer is getting impatient because XXXX hasn't provided a clear to close.
- On XX/XX/XXXX, XXXX XXXX sends an approval letter to close ( 3 months after an offer was made, and a month and a half after the original close date ) - On XX/XX/XXXX, I get a notice of extended closure to XX/XX/XXXX.
Due to the amount of unreasonable time it took dealing with XXXX XXXX, my offer turned into a pre-foreclosure situation, which it wasn't initially. I am not able to currently buy a home without putting 20+ % down which I can't do on a decent house as a single mom. Not to mention the impact of 10 months delinquency showing for XXXX XXXX incorrect reporting and unfair hardship and closing practices being the only negative item on my credit. The inconsistency amongst the 3 CBRs with this company is heartbreaking. Additionally, during this period, I had to come out of pocket to upkeep the house, keep the utilities on, the yard is done for HOA, pay HOA, and XXXX did not offer any assistance to even help with relocation, waive fees NOTHING. They just made sure they got their money and did nothing to help their customer. This was the absolute WORST experience I have ever had in my life with a creditor because I had to focus on the safety of my kids and leave an abusive environment.
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| 07/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Never lived at following addresses:XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX , TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX FTC Violations not mine : XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Joint Account Balance {$8700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX US DEPARTMENT OF EDU Account Type Education Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$4000.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX US DEPARTMENT OF EDU Account Type Education Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$6500.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 74 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance {$25000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 187 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$10000.00} Payment Status 120-149 Days Late XXXX XXXX XXXX XXXX Original Creditor RESIDENCE AT XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$3600.00} High Balance {$3600.00} Remarks Consumer disputes after resolution XXXX XXXX Original Creditor XXXX ON BEHALF OF XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1300.00} High Balance {$1300.00} XXXX XXXX , XXXX .
Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$680.00} High Balance {$680.00} XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$660.00} High Balance {$660.00} XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$810.00} High Balance {$810.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$260.00} High Balance {$260.00} XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$140.00} High Balance {$140.00} XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$15000.00} High Balance {$15000.00} XXXX XXXX, Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$15000.00} High Balance {$15000.00} XXXX XXXX account Fixed rate XXXX XXXX Account Type Education Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$2600.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Fixed rate XXXX XXXX Account Type Education Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term -- Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$4000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Fixed rate XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 42 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$11000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late 0/0/0 Remarks Fixed rate XXXX XXXX XXXX Account Type Education Loan Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 187 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$10000.00} Payment Status 120-149 Days Late Worst Payment Status -- Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX Account Type Auto Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance -- Payment Status Collection/Charge-Off XXXX XXXX XXXX Account Type Auto Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 74 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance {$25000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX US DEPARTMENT OF EDU Account Type Education Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 36 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$4000.00} Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- XXXX XXXX XXXX Account Type Auto Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 72 Months Monthly Payment -- Responsibility Joint Account Balance {$8700.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status -- Date of Last Payment XX/XX/XXXX XX/XX/XXXX
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| 05/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This complaint is not necessarily against TransUnion LLC. Its rather about an XXXX lender who is using my credit file against me to extort money from me. I know that I am not the only person that this lender is abusing. However, I can only speak for myself in this complaint. This lender is in breach of the Fair Credit Reporting Act and several other federal and state laws and statutes. The lender in question is XXXX XXXX. Please consider this complaint an informative note, as well as a desperate plea on my part for your help. I desperately need your help to deal with this lender accordingly to not keep me any longer under pressure. I am also addressing the issues that I am having with XXXX XXXX with the DOJ, FTC, FBI, and several state attorney generals and local district attorneys in states that XXXX XXXX operates. However, getting results takes time, and in the meantime, I would like to be able to use my otherwise good credit to obtain loans and function properly in our credit-driven economy.
The account that this complaint is about is identifiable as account number XXXX XXXX XXXX XXXX on my credit file. Previously it was identified as to account number XXXX XXXX XXXX XXXX when it appeared for the first time on my credit file around XXXXXXXX XXXX XXXX Ever since it appeared on my credit file, I contacted XXXX XXXX and asked them to remove it. After several written complaints to XXXX XXXX, sometime around XX/XX/XXXX, they changed the account number from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. Since XXXX, in every complaint that I submitted to them, I asked XXXX XXXX to provide me with a copy of my original credit application and copies of all the statements going back to XXXX when XXXX XXXX claims that the account was opened with them. They also say that the account was closed in XXXX. On my XXXX credit file, it says that account XXXX XXXX XXXX XXXX was closed in XX/XX/XXXX. Anyone looking at my credit file can quickly see how conflicting the information for account XXXX XXXX XXXX XXXX is. Please consider that I dont receive statements for this account, that I dont have online access to it, and that I dont have a credit card for it ( XXXX XXXX misreports this as a charge account ). Please also consider the fact that there is no credit history going backward beyond XX/XX/XXXX. On my XXXX and TransUnion credit files, XXXX XXXX claims that the account was closed in XXXX, while on my XXXX credit file, they say that it was closed in XX/XX/XXXX.
Considering the lack of cooperation and the hostile behavior that XXXX XXXX exhibited towards me, I can only conclude that this bank engages in criminal activities and misuses credit files to extort money from people. Yes, I said people, not customers, because I did not open this account with XXXX XXXX. Neither do I claim that someone else opened it in my name. By doing this, XXXX XXXX undermines the public trust in the consumer credit bureaus and in the enforcement of the Fair Credit Reporting Act, which was meant for accurate credit reporting. Understandably, every bank uses credit files to keep customers in line and obtain payment from them. We, as consumers, even tolerate the fact that banks endlessly change their terms and conditions and interest rates, not to mention the occasional mathematical mistakes they make when they compute interest charges and overbill us. Thats all good and well, and we, as consumers, just pay the bill so that our ability to borrow money is not crippled by a bad credit report or a low credit score.
However, XXXX XXXX has taken this a step too far. In my case, I believe that XXXX XXXX stumbled on my personal information in one of the massive acquisitions that they made over the past couple of years. Even if that was the case, it probably was a non-traditional credit line that was not opened with a traditional bank or lending institution. In any case, it was not a charge card. It probably was a trade line that could only be used for certain things. Either way, the account was paid and closed a long time ago. In the almost two years that Ive been fighting and disputing this erroneous information posted on my credit files, XXXX XXXX not once talked to me about how they obtained this account and how they came up with the balance on it. My best guess is that they found some kind of fee or residual interest or something that they could grow into a balance. And that is if they bothered at all. The burden of proof lies with XXXX XXXX to show how they came up with this account. I just listed a few theories about how XXXX XXXX may have come up with this account. However, they are just that, theories, as XXXX XXXX never wanted to discuss with me how they came up with this account or where they obtained it from. Please look at my credit history for the past 15 years, and you will see that this account just popped up one day, and it was instantly reported as closed.
I am currently petitioning federal agencies, state general attorneys, and local district attorneys to investigate the criminal activities that XXXX XXXX is engaged in. I am kindly asking you to work with me and help me. It will take time for the authorities to move forward. In the meantime, I kindly ask you to remove account XXXX XXXX XXXX XXXX from my credit file and ensure that XXXX XXXX can not post it back ever again. If XXXX XXXX can provide reasonable evidence that I owe them money, then they are more than welcome to pursue other avenues to collect it from me. For one, they could simply talk to me and treat me like a human being instead of avoiding any kind of dialogue with me. If not, they are more than welcome to send it to collections or even go to court. However, in the meantime, I would very much like to be able to function and use my credit to purchase a vehicle or sell my house and buy a different one in another city. XXXX XXXX should use one of the many tools at their disposal to obtain money from me. Of course, they need to have legitimate proof that I owe them money without resorting to crippling my good credit.
Please take a look at the two letters that I have attached to this complaint. They are both from XXXXXXXX XXXX, saying that they can not provide me with a copy of my original credit application. Whats even more disturbing is that they did not want to write the whole account number or even the last four digits on either of these letters. This is pretty pathetic behavior coming from a bank, and if anything, it indicates criminal behavior on their part.
Again, please help me remove account XXXX XXXX XXXX XXXX from my credit file so that XXXX XXXX can no longer keep pressure on me. Thank you.
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Transunion, XXXX, and XXXX continue to report inaccurate information on the account listed DPT EDXXXX Account # : XXXX.
The account has several inconsistencies which means it has not been verified under FCRA. Furthermore it is listed several times on my consumer report.
Account # : XXXX XXXX XXXX Account Type - Detail : Educational Educational - Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : 120 120 0 Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. ( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report. ( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter. ( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph. ( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ). ( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ). ( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
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| 07/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Account name XXXX XXXX XXXX I am Writing this letter again stating national known issues with the CRAS XXXX and TransUnion that the Government Investigation Finds XXXX, TransUnion, and XXXX Failed to Address Errors in Consumer Credit Reports Credit Reporting Agencies Have Ignored Millions of Disputes The investigation found that, between XXXX and XXXX, at least XXXX XXXX disputes were discarded and not investigated by XXXX, TransUnion, and XXXX. The credit reporting agencies have their reasons for why this happened, claiming they were illegitimate for one reason or another. Under the FCRA, credit reporting agencies must investigate all disputes submitted directly by consumers or their authorized representatives. The subcommittee investigation indicated that credit reporting agencies could be discarding millions of legitimate disputes each year, which is specifically detrimental to consumers who receive support services due to their financial struggles. The investigation also showed that the big three credit reporting agencies have been leaving the burden of investigating these credit report disputes to data furnishers. Data furnishers are the organizations that provide the data that credit reporting agencies use to create credit reports. According to the investigation, the big three credit reporting agencies have been leaving more than half of their disputes for data furnishers to investigate. What Is the Purpose of the Fair Credit Reporting Act? How Does the Fair Credit Reporting Act Protect Consumer Rights? I have the right to accurate information on your credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that ensures that all consumer credit information is fair and accurate. The FRCA is enforced and violations of the Fair Credit Reporting Act are investigated by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). The FCRA also protects the information collected by credit reporting agencies and limits the purposes for which these reports can be requested. The act specifically states that credit reporting agencies have a duty to investigate any disputed information. The Fair Credit Reporting Act protects consumer rights by ensuring accuracy and protecting your private information from being accessed unless theres a specific purpose. I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please validate the debt as required by the Fair Debt Collection Practices Act. I am disputing this due to Inaccurate reporting. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. The Fair Debt Collection Practices Act requires you to respect this request.TransUnion alleged collection account NATIONAL CREDIT Systems is listed as being OPEN a collection account can not be reported as open this is inaccurate reporting with BALANCE of {$4000.00} no term no payment history each CRA is to reflect the same across each report neither TransUnion or XXXX reports the same information which is a violation of FCRA 623 ( a ) ( 5 ) ( A ) 611 ( a ) ( 2 ) 1681i and also is in violation of requisite METRO2 Compliant reporting standards and also Inaccurate and incomplete and inconsistent Reporting each law that has been broken is listed below. XXXX alleged collection as having a PAST DUE BALANCE of {$4000.00} a collection account can not report past due each months with a one month term and shows negative payments history This is a violation of FCRA 623 ( a ) ( 5 ) ( A ) 611 ( a ) ( 2 ) 1681i and is also Inaccurate and incomplete and inconsistent Reporting each law that has been broken is listed below of requisite METRO2Compliant reporting standards I am a ligation customer and I will seek legal action if this account continues to report illegal and false information. See 15 U.S.C. 1692 ( c ). 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) 1681i of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person ( furnisher of information ) shall ( A ) conduct an investigation with respect to the disputed information ; ( B. review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) 1681i ; ( C. report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to preform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in Richardson v. Fleet and Nelson v. Chase Manhattan. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau.
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| 04/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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Hello, I saw a posting for a vehicle though the website called XXXX ( XXXX XXXX XXXX ), which was listed as being available at a location in " XXXX '', in Massachusetts. When I contacted them through the website that the car was listed, on XXXX, the person who responded to my personal email, whose name is XXXX XXXX ( his email signature states that he is from " XXXX XXXX XXXXXXXX '', which doesn't match the company that he works at, where we went to go see the XXXX XXXX at, named XXXX 'XXXX XXXX XXXX XXXX XXXX ), they said it was available, so I went to visit and see the car on XX/XX/XXXX ( on Tuesday ). I went to the location stated on the posting on XXXX, and it was stated as being " XXXX XXXX, XXXX, MA '', with no number address. When I called the number on the email that was sent to me in response to the ad, from XXXX, he told me their address then, and it was at XXXX XXXX XXXX, XXXX, MA. Then, the cars that they sell are actually at a different location, in XXXX, MA.
When I saw the listing on XXXX, the listing stated that there were 2 owners and that the VIN number of the car was XXXX, and I made a copy of the VIN so that I could have a look later. When I went to go see the car, he said that the posting stated as being 2 owners because, " when we bought the car from the previous owner, they state that we are the second owner because we took possession of it. '' I thought that was odd, but I thought I would consider the car further. The vehicle looked damaged with scrapes and scratches, stains in the car, and the upholstery of the back seat looked replaced and still dirty.
Regardless, we went inside to continue to discuss pricing, etc. I asked for a contract and some paperwork, and XXXX stated " We don't need a contract ; your word means more to me than a contract. '' I didn't like that, and I had looked around for a loan previously, so I said that if they could look for a better loan rate for me, I may consider financing from them, so my husband and I signed up to have them check to see the loan rates. The person that he stated is their person in XXXX ( called XXXX XXXX XXXX ) was named XXXX and he would be off on Wednesday, XX/XX/XXXX, and they wouldn't run my credit until he got back to his office on Thursday, XX/XX/XXXX. Therefore, on XX/XX/XXXX, at around XXXX I left the auto sales place in XXXX, and it was called XXXX XXXX XXXX XXXX XXXX XXXX, after signing the loan request, with my husband.
The next morning, on Wednesday, XX/XX/XXXX, I messaged XXXX again through text ( I have proof of it and copies of the email ), asking him for the XXXX for the car that I saw, and he said he would. While I was waiting for the XXXX, I decided to see what I could find on XXXX before I received the one XXXX sent me, and when I typed in the one from the XXXX posting for the car that I went to go see ( the VIN number written above ), the XXXX page stated that the vehicle mentioned had 19 reports on it ( reports on accidents, mileage tampering, damage reports, etc. ), which I thought was quite so much for " only one previous owner '' as XXXX stated.
I then received the email from XXXX for the " XXXX for the XXXX you saw '', and I checked the VIN on the XXXX that XXXX sent me, and the VIN was XXXX, which did NOT match the VIN that was on the XXXX posting. When I went back onto the XXXX ' page that had the car listed, the post was removed. I thought that was weird and odd, since I had not purchased the vehicle yet, and the vehicle was still available. Luckily, I had copied the VIN previous to seeing the car and leaving the XXXX XXXX XXXX XXXX XXXX XXXX ( through my phone 's clipboard as well ). I then told XXXX, through text ( I still have the text messages ) that I would like to cancel the inquiry for the loan that my husband and I signed as I couldn't afford the car and I wouldn't be able to purchase it or go see XXXX on that Thursday ( by that point, I had rescheduled the time to go see XXXX in XXXX to Saturday, to discuss the loan rate options that they may have ). I had messaged XXXX that message to cancel the loan inquiry/credit run, on Wednesday, XX/XX/XXXX, on the day that XXXX stated that XXXX wasn't in the office, and XXXX said in the text that he would cancel the request and contact XXXX to ask him to stop the inquiry.
I then asked XXXX if I could go by the XXXX XXXX XXXX XXXX XXXX XXXX to pick up the original Loan Inquiry that my husband and I signed, to make sure they didn't run mine and my husband 's credit for any loan inquiries, and I did. I still have the original copy of the paperwork that my husband and I signed ( one page ). I left them, assured that the loan inquiry was cancelled and we wouldn't have our credit checked or run.
I received a message through my email that there was a Hard Inquiry on my credit report, causing a drop in my credit score through my TransUnion report, and it was from..guess who? Luxautoparts. This email was sent to me on Friday, XX/XX/XXXX, AFTER I asked them not to run my credit and to cancel the inquiry numerous times. They are the people in XXXX, who we asked, through XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, not to run our credit. I contacted XXXX again through the phone, and asked him calmly why the credit was run. XXXX got very defensive, got upset, and said, " I don't know what you want from me! I did everything you wanted! You wanted me to send over the information and I sent it before you told me you wanted to cancel it!. I will ask, but I can't guarantee they will cancel the loan credit check '' I asked him to please ask XXXX or whoever ran my credit to void or take back the inquiry. He said he was try but wasn't guaranteeing anything and if anything changes, he would call me back. He hasn't called me back, and now my credit score has dropped, after I told them not to do it. I am rather upset, and I want XXXX 's XXXX XXXX XXXX XXXX, as well as XXXX XXXX XXXX to be reprimanded fro their mistake and lack of honesty.
They have fraudulently sent me false information ( like the non-matching XXXX information ), have stated false information, and they have attempted to remove their evidence by also removing the XXXX post that I contacted them through in regards to their listed XXXX XXXX My credit has dropped, and I am very disappointed in regards to XXXX XXXX aggressive tone to me over the phone, the fact that I was provided with a XXXX ( which I still have ) with a VIN that did not match the car posting on XXXX, and I am upset that my credit was run after I was confirmed that it would not be, through text, and after I went and retrieved the loan request that my husband and I signed.
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| 10/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX DOB : XXXX SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} The Following Informations and Inquiry are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX, XXXX Inquired on XX/XX/XXXX My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Be Advised I will CC The Bureau of XXXX XXXX XXXX XXXX CFPB ) FTC XXXX XXXX XXXX XXXX XXXX state and Mine Thank you, XXXX XXXX
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| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
11. I have no late payments made on this account. Account is paid as agreed. Please remove the late payment.
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
14. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
15. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
16. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
17. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
19. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
20. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely yours, XXXX XXXX
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| 08/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX, is the bank where I paid 2 accounts : 1. A Personal Loan, with a {$260.00} regular monthly payment ; which is paid as agreed since XX/XX/XXXX, when its balance was fully updated with my {$2000.00} payment, after I re-started the regular monthly payment of {$260.00} nearly 10 months before XX/XX/XXXX, when I recovered the same job and salary I had, one year ago ; 2. A XXXX XXXX Credit Card, with a {$120.00} monthly payment, which is paid under a certified payment agreement at the same XXXX XXXX XXXX XXXX since XX/XX/XXXX. The payment agreement was made on XX/XX/XXXX, on a phone call I received made by XXXX XXXX, from XXXX XXXX, and was effective on XX/XX/XXXX, when I was able to make the first payment of {$120.00} of this payment agreement. See evidence included. This certified payment agreement, requires 1 monthly payment of {$120.00}, but not a specific date of the month for making this payment. 3. Both accounts, this XXXX XXXX credit card, and this Personal Loan, was never paid to any collection agency, but at the same XXXX XXXX, always, no matter XXXX XXXX sold this credit card account to a collection agency called XXXX XXXX, no matter the payment agreement was already made before this account was sold, and the first payment of {$120.00} was made on XX/XX/XXXX, and I received a letter from XXXX XXXX XXXX XXXX, certifying this payment agreement before a mail notice arrived saying this account was sold to a collection agency called XXXX XXXX ; 4. This payments of {$120.00}, which the first payment made on XX/XX/XXXX, the second payment was on XX/XX/XXXX, third payment on XX/XX/XXXX, fourth payment was on XX/XX/XXXX, fifth payment was n XX/XX/XXXX, sixth payment was on XX/XX/XXXX, and the seventh and last payment of {$120.00} was made on XX/XX/XXXX ; 5. No matter I have shown all the receipts for this payments, including the last 2 payments to this same credit card and loan accounts, and I updated the loan account in full, last XX/XX/XXXX with a {$2000.00} payment and there are already 3 regular monthly payments were made by myself afterXX/XX/XXXX, of {$260.00} each, last XX/XX/XXXX, XX/XX/XXXX, and the third regular payment after its balance was fully updated, was on XX/XX/XXXX. 6. XXXX XXXX XXXX, the attorney assigned by XXXX XXXX XXXX XXXX to attend this case, insists that the Bank she represents is not doing anything wrong, but making reference to Federal Deposit Insurance Corporation requirements, that according to her, require to report this 2 accounts as past due because both were past due before? No matter this same loan, was fully updated last XX/XX/XXXX, as this Bank has all the evidence, nearly 3 months ago, nearly 90 days ago. 7. This action allowed by XXXX XXXX and backed up by their attorney XXXX XXXX XXXX, is against the Fair Credit Rporting Act, no matter this bad attorney does not want to recognize it, and this same attorney does not pay attention at all, to the Fair Credit Reporting Act, which clearly says the following : 8. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumers credit history.The FCRA is chiefly concerned with the way credit reporting agencies use the information they receive regarding your credit history. The law is intended to protect consumers from misinformation being used against them. It offers very specific guidelines on the methods credit reporting agencies use to collect and verify information and outlines reasons that information can be released. Reference found at : XXXX XXXX XXXX The law was passed in XX/XX/XXXX and amended twice. It is primarily aimed at the three major credit reporting agencies XXXX XXXX and TransUnion because of the widespread use of the information those bureaus collect and sell. The law also applies to banks, credit unions and agencies that sell medical records and check writing or rental history records, as well as any businesses that use information on credit reports for hiring purposes. 9. This reference clearly shows, this Fair Credit Reporting Act applies to the banks, like XXXX XXXX ; but attorney XXXX XXXX XXXX does not recognize it. 10. The unfair damages caused by XXXX XXXX action of not updating this 2 accounts at XXXX XXXX and XXXX XXXX, was recognized only at this point by XXXX, one of the 3 main credit bureaus, but not by XXXX, and Trans Union ; 11. The credit score from XXXX reflects, that XXXX is backing up their response sent through this C.F.P.B. portal, which is also included here as evidence ; 12. I am also including my most recent credit score from XXXX XXXX, as of today, XX/XX/XXXX, which shows my credit score as seriously affected and low. with just XXXX points ; is a completely different score to the one provided by XXXX, which came after I received XXXX Response through the C.F.P.B. portal, and my XXXX Score from yesterday, XX/XX/XXXX is XXXX points, which 135 points more tan the score provided today, XX/XX/XXXX by XXXX XXXX. 13. I am including more evidence about the unfair reporting source of this 2 accounts, XXXX XXXX XXXX response, received through this CFPB portal in which she unfairly asks to dismiss my complaint, no matter that actions clearly violates the Fair Credit Reporting Act, and this woman knows for sure the unfair consequences. 14. I also include evidence, that XXXX XXXX, a company specialized on free credit reports, see XXXX XXXX XXXX, is currently reporting that I fell behind in payments at XXXX XXXX ? that is not true, but the problem is XXXX XXXX is violating the Fair Credit Reporting Act, and that XXXX XXXX XXXX, the attorney that Bank assigned to my Case, does not recognize that this account has to be updated with current information. 15. XXXX XXXX XXXX XXXX actions regarding my accounts with them are violating The Fair Credit Reporting Act,15 U.S.C. 1681 ( FCRA ) is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. 16. I have no means to file another lawsuit easily, while I am still representing myself at the U.S. District Court as a Pro Se Plaintiff, due to all the damages provoked by my unfair suspension from the same job I recovered back in XX/XX/XXXX ; 17. XXXX and XXXX XXXX should recognize the evidence included, which is verifiable, and send an real response like XXXX did : see the evidence included. 18. My date of birth is XX/XX/XXXX, not XX/XX/XXXX, I am unable to update the date here at the same complaint.
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| 12/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : XXXXXXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$4200.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX XXXX XXXX Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}.
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 section 604a section 2 ) It also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. XXXXXXXX XXXX XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$400.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$2700.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately XXXX Revolving account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. Every bureau is reporting a different date of last activity for this account. Stop reporting for FRCA non-compliance of inaccurate data furnished on my credit report.. please delete immediately Collection account from XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX. I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX with account # XXXX and a balance of {$1100.00}. The original creditor is XXXX XXXX XXXX I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX with account # XXXX and a balance of {$440.00}. The original creditor is XXXX XXXX. I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXXXXXX XXXX with account # XXXX and a balance of {$990.00}. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX with account # XXXX and a balance of {$1300.00}. The original creditor is XXXX. I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Collection account from XXXX XXXX with account # XXXX and a balance of {$830.00}. The original creditor is XXXX XXXX I have not supplied proof under the doctrine of estopper by silence XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt in fact therefore exists Inquiry from XXXX XXXXXXXX XXXX I on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. Inquiry from XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XXXXThere are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Inquiry from XXXX XXXX on XX/XX/XXXX. There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
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| 04/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear CFPB, I, XXXX XXXX XXXX 100 % SIGN THAT I AM WRITNG THIS TO ALL WRONGFUL LISTED CREDITORS BELOW.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of EdXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to bring to your attention the improper and inaccurate information that is listed on my credit report with XXXX XXXX XXXX XXXX and TransUnion . Despite numerous attempts to have these errors corrected, the credit bureaus continue to violate the Fair Credit Reporting Act ( FCRA ).
I want to bring to your attention that I have been a victim of identity theft and have no recollection of the accounts listed on my credit report. I have provided my identity theft report that is attached to this report as proof. The fact that these accounts are being reported as mine is causing me great distress, and I am very concerned about the impact it may have on my creditworthiness. As a victim of identity theft, I am entitled to certain rights under the Fair Credit Reporting Act ( FCRA ).
According to 15 USC 1681c-1 , if a consumer has contacted a credit reporting agency and informed them that they are a victim of identity theft and provided the agency with proper proof, the credit reporting agency must block the information that the consumer identifies as resulting from the identity theft within 4 business days of receiving the identity theft report. The agency must also notify any person who has received the information that it has been blocked and must provide the name and address of the furnisher of the information.
Furthermore, according to 15 USC 1681g ( d ), if a credit reporting agency knows or learns that a consumer 's credit report contains information resulting from identity theft, it must either block the information or delete the information from the consumer 's file. The agency must also notify any person who has received the information that it has been blocked and must provide the name and address of the furnisher of the information.
I hope that you will take my situation seriously and investigate the inaccurate information on my credit report thoroughly. I am confident that once you review the evidence and see that I am a victim of identity theft, you will take the necessary steps to ensure that my credit report accurately reflects my creditworthiness. Thank you for your prompt attention to this matter.
- The presence of these inaccurate accounts on my credit report has caused significant harm to my credit score and has negatively impacted my ability to obtain credit or financing. Inaccurate information on a credit report is a violation of my rights as a consumer and is something that should be taken very seriously.
- Additionally, I have made repeated attempts to contact the credit bureaus and request that they remove these accounts from my credit report. Despite providing verifiable proof of my identity and the fraudulent nature of these accounts, the credit bureaus have failed to take action and have continued to list them on my credit report.
- I have also contacted the companies associated with these accounts and informed them of the fraudulent activity. They have confirmed that I am not responsible for any of the charges listed and have closed the accounts. However, the information remains on my credit report, which is a clear violation of the Fair Credit Reporting Act.
- According to the FCRA, credit reporting agencies are required to conduct a reasonable investigation of any disputed information and to promptly delete inaccurate information. This is especially true in cases of identity theft, where the consumer is not responsible for the fraudulent activity and should not be penalized for it.
- As a victim of identity theft, I have taken all necessary steps to report the crime and to protect myself from further harm. However, the inaccurate information on my credit report continues to be a source of frustration and financial harm. It is imperative that the credit bureaus take immediate action to correct these errors and to ensure that my credit report is accurate and up-to-date.
According to 15 USC 1681i ( 5 ), the credit bureaus have a legal obligation to modify or delete accounts that are not reporting accurately. However, the following accounts continue to be listed inaccurately on my credit report : In accordance with 15 USC 1681, I have the federally protected consumer right to privacy and confidentiality. However, the credit bureaus have continued to list inaccurate and improperly reported information on my credit report.
Furthermore, according to 15 USC 1681s-2, a person shall not furnish any information relating to a consumer to any consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. Despite my notifying the credit bureaus that specific information is inaccurate, they have failed to take the appropriate action to correct it.
I have requested that the credit bureaus check and ensure that all information on my credit report is complete and accurate in accordance with
15 USC 1681i. However, I have not received any response from them within the 30-day timeframe. Additionally, the credit bureaus have failed to record the current status of the disputed information, which is a violation of FCRA.
Overall, I urge the CFPB to take swift action in this matter and to ensure that the credit reporting agencies are held accountable for their actions. The Fair Credit Reporting Act was put in place to protect consumers from inaccurate credit reporting, and it is crucial that these protections are enforced.
I am an FHA program buyer and XXXX 's inaccurate reporting is holding me back from purchasing a house for my family. I urge you to take immediate action and hold the credit bureaus accountable for their failure to follow FCRA and correct the inaccurate information on my credit report. I have documents attached detailing VERY SPECIFICALLY proof of the inaccuracies down below this report, along with verifiable proof of my SSN, driver 's license, and credit card statement. I urge the CFPB to take swift action in holding the credit bureaus accountable for their violations of the FCRA.
IMPORTANT : ALL ATTACHEDbDOCUMENTS ARE 100 % WRITTEN AND MARKED BY ME AND ONLY ME. Please have XXXX, XXXX, & TRANSUNION only respond via CERTIFIED MAIL in a HAND WRITTEN RESPONSE stating the name of the person replying back to this matter.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
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| 10/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you TRANSUNION/XXXX XXXXXXXX is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733.
( Debt Collector name ) is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you TRANUNION/XXXX furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A.
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by ( Debtcollector name ) for the account opened ( date ) with account number ( account # ).
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name ) into the ( FTC ) Federal Trade Commission for aggravaled identity theft and Fraud.
If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to complyXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX.
Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX. XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX. TRANSUNION INQUIRES : XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX Bank ( XXXX ) XXXX XXXXXXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response.
15 U.S. Code & 1681n - Civil liability for willful noncompliance U.S. Code Notes prev | next ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00}.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S. C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction.
Agency : XXXX, XXXX XXXX XXXX, XXXX, GA XXXX.
Agency : XXXX XXXX XXXX XXXX XXXX, Tx XXXX To Whom It May Concern : Be advised this is an identification theft notice I am requesting fraudulent accounts on my consumer report removed under Federal law and I have sent this notification to all of the creditors and consumer reporting agencies and have sent multiple documents supporting my claims Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to the fore said items that you are reporting to my consumer reports At this time I will also inform vou that if your offices have or continue to report invalidated information this includes ( XXXX, XXXX, Trans Union ), this action might constitute fraud under both federal and state laws. 15 U.S. Code 1681c-2 - Block of information resulting from identity theft Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 15 U.S. Code 1681n - Civil liability for willful noncompliance I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all reporting activity must cease and desist. 15 U.S.C 1692c Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent authority, Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This is violation 15 USC S 1681b Permissible purpose of consumer reports ( a ) IN GENERAL, Subject to subsection ( c ) any consumer reporting agency may furish a consumer report under the following circumstances and no other.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following account 's This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your agency fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that your records are in order before I am forced to take legal action. Please be advised Trans Union, XXXX, and XXXX. You need to remove all fraudulent inquiries from my consumer report. Ive given the dates and the times of every inquiry that is on my consumer report. You shall remove the inquiries that are fraudulent on my consumer reports your credit reporting agency, and you shall do due diligence in the investigation of such fraudulent activities. The violations here I require compensation, for this has caused me grave harm.
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| 11/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Older American, Servicemember |
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After many attempts to correct items on my credit on line, by phone and fax, I am filing this complaint because Trans Union stated my last complaint to the CFPB was a " duplicate '' which it was not. On XX/XX/2019 I faxed XXXX XXXX of Trans Union them the attached letter. On XX/XX/XXXX I was sent a response, with a form letter on " How to read your Investigation Results and an updated credit report, which still did not have the necessary corrections, or remove outdated accounts.
Trans Union HAS NOT RESPONDED TO MY REPEATED REQUESTS FOR INFORMATION, as stated in my letter faxed to them XX/XX/XXXX. It is well over 30 days & in less than a week will be over 60 days, this is unacceptable.
I continue to get updates that either state the information is accurate, ( when it is not, ) or that information that is " Accurate '' remains on your report an average of 10 years from the day it is closed.
I went to the Trans Union site and read the " Frequently asked credit questions concerning " How long does Negative information stay on my credit report? '' It stated 7 years or 10 years for positive information, adding revolving accounts, such as credit cards with a positive history will stay on your report for as long as the account is active, which is a contradiction of their prior statement, along with the fact that, Trans Union is ignoring both Federal & State Laws ( California, ) for credit.
Additionally, I have repeatedly explained that not only is my credit report based on the FCRA, but also on the California bill of Rights, which gives me the right to request information that is older than 7 years whether negative or accurate to be removed from my credit file.
There are creditors reporting 15+ years since the file was closed or became inactive, that the bureaus refuse to remove. When a company such as XXXX XXXX is transferred the Servicing Rights of my loan from XXXX XXXX XXXX, they may not report for 60 days after the transfer, yet they did.
When an Error Notice is in progress the company also can't report on my credit, but Trans Union accepted their information. Additionally, after the credit bureau deletes/corrects Mortgage information on my report, the new Servicer can not add it back in, but Trans Union allowed this inaccurate information to reappear. Furthermore, my report states ; XXXX XXXX XXXX inquired on my credit XX/XX/2019. Even though there permissionable rights to check my check extinguished on XX/XX/2019, when the loan was transferred, and sold to XXXX XXXX.
I made a request in writing for corrections : Investigation Request to Delete inaccurate credit reporting, unrecognized accounts, & outdated ( over 7 years. ) based on the most recent credit report & in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), and the State of California - Consumer Credit Reporting Agencies Act, CCRA 1785-1788 the California Bill of Rights, or California Code of Civil Procedures : Section 1021.5 I am practicing my right to challenge questionable information that I have found on my personal credit report made on my personal credit report. I am now requesting a re-investigation under Civil Code - Title 1.6 -1785.30, by making this written demand to correct all items disputed within the next 30 days. I am also requiring Trans Union to correct or delete all items found to be inaccurate during the dispute period. If you have not been provided with any evidence the information originally provided is correct, your agency shall delete the information from my report. If the reported information is not corrected, modified, or deleted, I ask that I am promptly notified and provided with all relevant information that is received by the Agency concerning my dispute. What is most important is correcting the information reported by XXXX, as I am trying to purchase a home, and their inaccurate reporting has dropped my overall credit scores over 100 points. in the status section for XXXX XXXX XXXX it should state : Original Creditor was : XXXX XXXX XXXX Company Sold on : XX/XX/2019 Balance as of this date : {$290000.00} Monthly Payment beginning XX/XX/19 : {$970.00} Terms : 32.42 yrs./389 months ( See XXXX XXXX XXXX amortization agreement . ) Missing payments made on : XX/XX/XXXX and XX/XX/2019 in the amount of {$1300.00} The last payment made XX/XX/XXXX for {$1300.00} & isn't documented. This is important to report because this loan changed both lenders & Servicer 's with the first payment to the new lender on XX/XX/19 not shown nor XX/XX/19.
Under RESPA there is a 60-day period beginning on the effective date of transfer of the servicing of any federally related mortgage loan, a late fee may not be imposed on the borrower. This is often misinterpreted as meaning that after 60 days the new mortgage loan servicer MUST report the account to the credit bureaus, this is incorrect. The 60-day rule simply says that credit reporting can not occur if a payment has been made, not that credit reporting is required. XXXX XXXX XXXX accurately shows a balance of {$290000.00} Monthly Payment beginning XX/XX/19 : {$970.00} Terms : 32.42 yrs. or 389 months ( See XXXX XXXX XXXX amortization agreement. ) Some of the information was correctly deleted in the report as requested, while other information was disregarded because the creditor stated it was accurate.
The accounts below are reporting incorrectly please investigate these : 1. XXXX XXXX XXXX account # XXXX closed over 7 years ago/ Auto Loan 2. XXXX XXXX XXXX account # XXXX closed over 7 years ago/ Auto Loan 3. XXXX XXXX XXXX account # XXXX closed over 7 years ago/ Auto Loan 4. XXXX XXXX XXXX account # XXXX closed over 7 yrs. ago/ Credit Card 5. XXXX XXXX XXXX account # XXXX / Credit Card Paid I asked Trans Union provide me the following information concerning the results of this Re-investigation 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth?
6. Concerning XXXX What proof was provided to your company allowing XXXX to report after the Transfer?
Results of Re-investigation Please provide me with the following once your investigation is completed : A statement that the Re-investigation has been completed A Revised Consumer Report A Description of the Procedure used to Determine the Accuracy How did you arrive at the Completeness of the information I was provided?
Any future Notifications ( under subsection - d ) are furnished to me.
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT.ally financial, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. 15 USC 1681s-2 states that you, ally financial, are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS publication. SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. My Address is listed below! 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! I am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing. Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing. 2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions. Additionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report. I want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns. Please respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter. Thank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.
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| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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******CFPB*****THIS DISPUTE IS NOT A DUPLICATE*****I AM A REAL HUMAN BEING ****NOT A CREDIT REPAIR AGENGY****I AM REQUESTING A RESPONCE FROM THE CFPB AS WELL AS THE CREDIT REPAIR AGENCIES****I AM REQUESTING THAT TH CFPB RESPOND TO THE ASPECT OF CIVIL PENALTIES FOR THE VIOLATIONS COMMITED BY THE CREDIT REPORTING AGENCIES LISTED IN THIS COMPLAINT**** *******DO NOT CLOSE MY FILE AS COMPLETE WHEN THE CREDIT REPORTING AGENCIES RESPOND AS I WANT TO HEAR FROM THE CFPB******* This complaint is bing lodged against Transunion and XXXX credit reporting agencies, due to the willfull neglect both agencies have shown to my previous disputes.Their neglet has caused me to endure financial hardships and restraints when if they had addressed my disputes correctly then this would have been resolved months ago. The complaint is also being lodged for the countless ways they have disregaurded the FCRA, FACT ACT, and the South Carolina Consumer Reportin Act wich is the state in wich i reside.
The above mentioned CRA 's have recieved more than XXXX disputes and move than XXXX phone calls apiece pertaining to the XXXX XXXX account of my credit file.I have explained each time the I am disputing on the grounds that I was told XXXX creditor that the account that has been listed as a " charged off and paid for less than full balance '' would never be listed in a negitive manor instead would be listed in a positive manor only " paid in Full '' Each CRA has only come back with a statement saying that the file was verified by the lender and that the file was updated.
The Facts Act states that there is to be a reasonable reinvestigation into the manor where the word of the creditor is not the only thing taken into consideration and that the file is to not be updated solely on the word of the creditor, XXXX is exactly what has been done each and every time.I have also explained to The above mentioned CRA 's that the creditor XXXX XXXX openly admited listening to recording that they have in their possesion to make a statement that " after listening to our recordings that my claim held no XXXX '' I advised the above mentioned CRA 'S that after reading the responce of my cfpb complaint with that responce in it. I formaly requested from the creditor any evidence including but not limited to the listened to recordings that that they used against me in making their decision in my complaint/dispute, and they refused to supply the formaly requested evidence with in itsself is grounds for immediate deletion of the XXXX XXXX Account from my credit file, as stated in XXXX and white in the FCRA.They are and have been some time now been blatenly dissregaurding the FCRA and the rights gaurenteed to me by the FCRA, South Carolina Consumer reporting Act and the federal FACTS ACT.
Futhrer more if XXXX finance refuses to supply evidence to prove that their represenitive never said that or made that deal with me, and I have heald steadfast in my statement that they did make that statement.and they openly admit to possesing the evidence to prove one way or another it makes the account unverifiable and never should have been updated ever again because it then makes anything that the CRA updatted my fraudulant u nverifiable informagtion..
On the attatchment included with this complaint you will find the section of the south Carolina Consumer Reportin Act on disputes and listed below are the violations that have been commited by each of these Credit reporting bureaus.I have Kept Absolutly ever piece of paper ever sent to me from both of the bureaus and there are many items, and steps that were suposed to be taken by these bureaus that were nev er done or even mentioned, and if they have done me this injustice haw many other Americans are they doing this to I will Leave it in the hands of the cfpb To do the Math on the penalties owd by these CRA 'S, I am not as much looking for financial gain as i am to right the wrongs to my credit these BUREAU have done I would like my score proactivly worked to correct the months of negitive reporting that they did and I want the XXXX XXXX report removed from my report im immediatly.
I feel that this is the lesser of the routs that can be taken by all because if taken to federal or civil court this is an open and shut case even with out anything but the disregaurd for the processes to be followed outlined by the **CFPB in their responce requirments that have not been followed at all in countless complaints ( wich i have copies of all ) **FCRA dispute and reinvestigatve outlines that were disregaurded 100 % of only certain parts were adhered to **FACTS ACT reinvestigative guidelines and responce to consumer protocalls blatently disregaurded XXXX XXXX Consumer reporting Reporting guielines totally disregaureded they have never responded with even a partial amount of what the should the only thin I have ever gotten Period was a credit report stating that the account was verifiedand updated **dispite request to XXXX and TRANSUNION requesting an explanation of the steps taken during the investigative process i have never recieveed anything at all past a credit report ***************Violations of of attatched copy of South Carolina Consumer reporting Act Section XXXX Violations listed by letter in lue of transcribing the entire subsection see attatched document for corasponding letter to articulate violation Sub section A Sub section B XXXX XXXX XXXX XXXX XXXX XXXX XXXX**CRA 'S should have followed guidlines in Subsection XXXX CRA 'S are now without a shadow of a doubt very liable and subject to all of the following : Section D Section XXXX Section F Section G Section H Section I I would much rather just have the file deleted and my credit score retroly corrected for the previous months of negitivly reporting on my credit file the both have done, but if not i am more than willing to see this through to the end as it is pretty obvious that i will in the end if we go to court be awarded damages and a correction and deletion .as stated I just want this to go away and to get back to a normal life I have plenty of things i wish to be doing other than writing the cfpb complaining and filing dispute after dispute with the CRA '' S I didnt even bring up the fact that the fcra states that the cras are required to have an online way to dispute wich XXXX has illegally blocked me from using all while they are gaining financialy from me paying their highest costing subscription price wich can easlily become a discussion for the ftc to take up since insiquincially that is theft but thanks looking forward to a resalution to this XXXX XXXX XXXX XXXX.
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| 09/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. XXXX XXXX, you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, reputation, general way of life, and my ability to obtain credit for personal and housing purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : A moral or legal obligation ; a responsibility Accurate : Correct in all details ; exact. PROHIBITION : A law or regulation forbidding something As defined by the IRS : Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a charge-off as Gross or Ordinary income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account inaccurate! By definition, the IRS clearly states that a Canceled or Charged-off debt is Income. Reporting this account as a debt is inaccurate. 15 USC 1681s-2 states that you, XXXX XXXX, are a furnisher of information to a consumer reporting agency. YOU ARE PROHIBITED BY LAW from furnishing inaccurate information. I demand you Cease and Desist the reporting of incorrect/inaccurate information immediately. 15 USC 1681s-2 ( a ) ( 1 ) ( A ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. You are hereby put on NOTICE that you are furnishing incorrect, inaccurate information. The lender must file Form 1099-C and send you a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union , federal government agency, or other applicable entity as discussed earlier in chapter 1. The above paragraph is taken directly from the IRS publication. SEND MY FORM 1099-C that you should have sent when you FILED the account as a canceled debt. My Address is listed below! 15 U.S. Code 1681s-2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate, and the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion, I have shown you, and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law, 15 USC 1681s-2, of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACCOUNT FROM MY CONSUMER REPORTS! I am writing to dispute and seek clarification regarding the sharing of my non-public personal information by your institution, as well as any potential impact on my credit report. I am concerned that these actions may be in violation of both the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). Specifically, I have identified two key areas of concern : 1. **GLBA Privacy Notice and Opt-Out** : According to the GLBA, financial institutions are required to provide consumers with an initial privacy notice and an annual privacy notice outlining their information-sharing practices. Furthermore, consumers have the right to opt out of having their non-public personal information shared with non-affiliated third parties for marketing purposes. To date, I have not received any such notices from your institution, nor have I been given the opportunity to opt out of information sharing. Therefore, I request that you provide me with copies of all privacy notices that should have been sent to me in accordance with the GLBA. Additionally, I would like to be informed if my non-public personal information has been shared with any non-affiliated third parties for marketing purposes, and if so, I am exercising my right to opt out of such sharing. 2. **FCRA Credit Reporting Impact** : As a result of any information sharing or other actions taken by your institution, I am concerned that my credit report may have been affected. Under the FCRA, consumers have the right to accurate and complete credit reporting. I request that you provide me with any information related to changes in my credit report resulting from your institution 's actions. Additionally, I kindly request that you conduct a thorough investigation into any credit reporting issues that may have arisen due to information sharing or any other actions by your institution. If it is determined that my credit report has been negatively affected without proper cause or notification, I request that you take immediate corrective action and provide me with documentation of any corrections made to my credit report. I want to emphasize my commitment to ensuring that my rights under both the GLBA and the FCRA are fully protected. I kindly request that your institution promptly investigate these matters and provide me with the necessary documentation and information to address my concerns. Please respond to this dispute letter within the statutory timeframes specified by both the GLBA and the FCRA. I understand that this investigation may take up to 30 days, and I expect your prompt attention to this matter. Thank you for your cooperation in resolving this issue promptly. Send written correspondence to address provided above. This is my opt out and cease and desist of all sharing of my personal information. You dont have consent to share my personal information if you do its identity theft. Delete all inaccurate and wrongful shared information asap.
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| 09/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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The options provided here don't quite fit with my experience, or why I felt compelled to submit this complaint.
I am currently in the process of attempting to build up my credit score, a number of years after an unanticipated medically related issue led to my filing for bankruptcy relief, as I felt I had no other options at the time. It's been a while since that debt was thankfully discharged, and in the proceeding years I have not made attempts to obtain credit in any form. As a newly married man, I am now endeavoring to rebuild this " score '' that is unfortunately so vital and incorporated into our identities, and like many of us I want to do whatever I can to provide for my growing family, with the inital goal being homeownership.
After soliciting advice from multiple sources, I began applying for various lines of credit that I could confidently maintain monthly payments for to keep in good standing, hoping to help increase my lending viability, and offset the stain of bankruptcy still publicly present for another few years. Aside from that unfortunate chapter in my life, I have many fully-paid off accounts with years of unmissed payments including student loans, auto financing, and a number of credit cards. By design though, much of those positive qualities are not visable to potential lenders, and though I have XXXX debts, the lack of any real credit in the past few years is hugely determinitive in qualifying for new accounts. We trust all of our personal data to private companies, that possess immense power and influence over the ability to obtain new accounts, get hired, apply for loans, etc ... With that influence there's an expectation that the information they share to a multitude of parties is both accurate and current, as well as having the ability to remedy errors that are solely the result of their own inadequacies. Adding to that, there's also the expectation that they actually perform the specific actions that they themeselves clearly denote in written Dispute Resolutions as a right of the consumer to request. Concluding on my lengthly rant, here are my specific concerns and motive for filing this report.
While recently applying for new accounts as mentioned above, I kept getting denials that listed the decision was based on " inabiliy to confirm identity '', and each one of those kickbacks listed TransUnion as the source of their inquiry. When I was finally able to gain access to the information they had linked to me, it was clear that no updates or changes had been made in many years. Both my place of residence and employer were accurate ot one point time, almost 10 years ago, but no other information in the proceeding years could be found anywhere. It became clear that the info I was providing to potential lenders wasn't matching the " official '' details given by Transunion- so as a result, I received both hard inquiries to an inaccurate report that will remain in place for 2 years and continue to negatively influence future business, and denials based on unmatching personal information.
I calmly went through the motions to file disputes and ensure updated details would be visable to 3rd party inquirers, and everything went relatively smoothly at first. You are able to write a " personal message '' that viewers can see - a sort of " explanation '' of certain details in your own file, or even just an opportunity to write whatever you feel would be helpful. I completed this step successfully, and all seemed okay. That portion of my " dispute '' was handled effieciently and without error, and I was provided with a " Dispute Resolution Summary '' regarding the case. Under the heading " How to Read your Investiation Results, the very last paragraph states the following verbatim : " If there has been change to your credit report as a result of our investigation, or if you have added a statement to your report, you may ask TransUnion to send an updated credit report to those who have received your report within the last 2 years for employment purposes or within the last 6 months for any othe purpose '' I can't change text formats here, but the second part of that comment is even presented in BOLD font. Since I did in fact add a statement to my report, as well as have my score take a small hit from the multiple hard inquiries, I was more than qualified to pursue this request... especially with a couple 3rd party applications still open and pending approval. I wanted them ( and everyone else ) to have access to accurate and updated info, or be aware of the changes being made, but the couple hours I spent today speaking with 2 separate reps completely contradicted the promise so clear and misinterpretable in the report summary.
I spoke with representatives " XXXX '' and " XXXX '' - both stated they could/would only send report copies to me individually, and had XXXX additional options or advice other than " then you can take it to the lenders yourselves ''. I tried to get someone on the phone who could actually explain the grossly negligent difference in what I was looking at in the official document vs what I was being told by the reps, but neither had a single beneficial contribution to me, nor a coherent respose to why the blatant differences existed. I asked to speak to higher-ups or anyone who could actually assist, but was denied.
I don't think I have to explain that getting an amended/updated report directly from TransUnion would have a significantly greater impact on lenders vs one provided by an individual who was just declined services. Plus, I was hoping that this would influence the currently open applications, who I know from my records obtained copies of my report prior to any alterations that are still in motion.
If desired, I can provide proof of these Dispute Resolution Results which I possess a few of and all state the same, as well as Adverse Action summaries from lenders where it's stated that the reason for denial was their inability to verify my ID, each listing TransUnion as the source of their inquiries.
Thank you for taking the time to read ( I hope.. ) the novel of a dispute I just composed, and please reach out to me anytime if you have additional questions/concerns or require copies of aforementioned documents.
I'm frustratingly out of ideas for how to proceed, and livid over the fact that TransUnion has done nothing but provide false personal info to 3rd parties, and produce additional negative hits with no net benefit during a time when I am trying to do the complete opposite.
Thank you again for your attention and consideration of my complaint.
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| 12/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Subject : Urgent : Rectification of FCRA Violations in My Credit Report Dear transunion, I hope this message finds you well. I am writing with urgency to address significant discrepancies in my credit report that directly contradict the guidelines outlined by the Fair Credit Reporting Act ( FCRA ). Upon a thorough review of my credit profile, it is evident that multiple errors persist, signaling a notable oversight of FCRA regulations within your agency.
Key Highlights : The Fair Credit Reporting Act is a fundamental federal statute governing the accurate acquisition, retention, and transparent dissemination of consumer credit information.
Instances of FCRA violations in my case include : Creditors providing inaccurate financial data to reporting agencies.
Reporting agencies consolidating individuals ' information based on names or social security numbers.
Agencies failing to adhere to prescribed dispute handling protocols.
Under the Fair Credit Reporting Act, I am entitled to : Verify the accuracy of my report, especially for employment purposes.
Receive notification if my information has been used in credit applications or other transactions against me.
Dispute and demand the correction of incomplete, erroneous, or unverifiable data.
Request the removal of outdated negative information within specified timelines.
I formally request the immediate removal of the listed items below, as they distinctly breach FCRA standards due to inaccuracies, lack of verification, and persistent invalidation. Their presence has caused substantial distress, notably evidenced in my recent denial for extended credita direct consequence of errors originating from your agency.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This collection account doesn't belong to me. The creditor or collection agency does not have any signed contract with me or my information. I demand this to be removed.
I urge prompt action to rectify these violations within the FCRA-mandated timeframe. Failure to comply may necessitate exploring legal options to ensure my rights under the FCRA are vigilantly upheld.
Thank you sincerely for your immediate attention to this pressing matter.
Best regards, XXXX XXXX
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| 01/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To Whom It May Concern, I am writing to file a complaint against XXXX XXXX XXXX for violating various provisions of the Fair Credit Reporting Act ( FCRA ) and to request the consumer financial protection bureau to follow up on my requests for information. I am requesting validation and verification of the alleged debt being collected by XXXX XXXX XXXX.
Request for validation of the debt : I am requesting a validation of the debt being collected by XXXX XXXX XXXX along with this complaint. The Truth in Lending Act ( TILA ), which is part of the Consumer Credit Protection Act ( CCPA ) of 1968, requires creditors to disclose important information about the cost and terms of credit to consumers before they enter into a credit transaction. This helps consumers understand the terms and costs of a credit transaction and make informed decisions about whether to enter into the transaction. Debt collectors, on the other hand, are regulated by the Fair Debt Collection Practices Act ( FDCPA ), which regulates their behavior and communication with consumers.
In any request for validation of the debt, these laws work in tandem. XXXX addresses issues between a creditor and a consumer, while the FDCPA addresses issues between a debt collector and a consumer. In this case, XXXX XXXX XXXX has assumed both the role of creditor and collector, by buying the debt from the original creditor. I am requesting detailed proof that the debt is valid, including a copy of the original contract or agreement with my wet signature, and a detailed and signed contract or agreement that the debt collector or current creditor has the legal right to collect on the debt, including the signed terms between the creditor and collector ( XXXX XXXX XXXX ) sold along with the debt, the amount of the debt, and the name, address, and phone number of the original creditor.
Under the FDCPA, Section 809 ( a ) states that a debt collector ( XXXX XXXX XXXX ) must provide validation of the debt to the consumer within five days of the initial communication. I did not receive this validation, which constitutes a violation of the law. Furthermore, the failure to validate this debt violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1692g ( b ), which protects consumers from being pursued for debts they do not owe or have already been paid. I request XXXX XXXX XXXX to send me the validation of this debt as requested above. If XXXX XXXX XXXX fails to validate the debt, I dispute the debt, and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
Request for verification of the debt : I am also writing within this complaint, a direct request for information from XXXX XXXX XXXX regarding the original contract of the debt that I am being pursued for. Pursuant to the Fair Credit Reporting Act ( FCRA ), as a consumer, I have the right to request verification of the debt. The information I am requesting ( 15 items ) includes : The original creditor 's name and account number associated with the debt The name and address associated with the debt The date the account was opened and the date it was charged off or sent to collections The date the account was first reported as delinquent to the original creditor ( original default date ) Itemized billing and payment history associated with this debt The original amount of the debt and the current balance A signed copy of the original contract or agreement, including any terms and conditions that were agreed upon A signed agreement/contract that shows the debt has been assigned or sold to the collection agency The signed terms of debt assignment to the collections agency by the original creditor Information about any interest, fees, or penalties that have been added to the debt Signed proof of ownership of this alleged debt, including documentation or proof that the collection agency has the legal right to collect the debt, such as a signed copy of the original contract or loan agreement The current account number associated with the debt A breakdown of any fees or interest that have been added to the debt Information on any previous collection agencies that attempted to collect the debt The statute of limitations on the debt in Illinois.
The FCRA requires XXXX XXXX XXXX to provide this information within 30 days of receipt of this request ( 15 U.S.C. 1692g ( a ) ). Any failure to verify this debt as requested above violates the FCRA, specifically 15 U.S.C. 1692g ( b ). In the event that XXXX XXXX XXXX fails to verify the debt, I dispute the debt and request XXXX XXXX XXXX to contact the credit reporting agencies to remove the debt from my credit report, as per 15 U.S.C. 1681s-2 ( a ).
It is important for XXXX XXXX XXXX to note the written nature of these requests for validation and verification of information on the debt. Similarly, the responses must be made in writing, and failure by XXXX XXXX XXXX to comply with these requests may result in a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Furthermore, these requests are in line with the FCRA which requires the collections agency to provide me with the documentation that I have requested. Specifically, FCRA Section 609 ( a ) ( 1 ) requires that XXXX XXXX XXXX must provide me with the information that is used to calculate my credit score.
Lastly, within this complaint, I am writing to express my concern about the abuse that I have suffered at the hands of XXXX XXXX XXXX. I am calling on the Consumer Financial Protection Bureau ( CFPB ) to closely monitor their practices and hold XXXX XXXX XXXX accountable for their actions. The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to reinvestigate credit reports when they receive notice of a dispute, as per 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). I believe that the CFPB has an important role to play in ensuring that credit reporting agencies comply with this requirement and that consumers like myself are protected from unfair treatment. I respectfully request the CFPB to require an update of my credit report to reflect the accurate reporting that the law requires and request the deletion of any information relating to this complaint that is invalid and unverified and being reported by XXXX XXXX XXXX. Just like all Americans, I believe that my credit report should only contain accurate and verified information. I appreciate your attention to my long complaint and to this matter and look forward to your response.
Sincerely, XXXX XXXX
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| 02/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Account name : XXXX Account number : XXXX Account type : Charge Card Responsibility : Individual Date opened : XX/XX/XXXX Status : Paid, Closed.
Status updated : XX/XX/XXXX I have disputed an account I had opened with XXXX since it was closed and the account has never been removed from my credit report. I opened this card on XX/XX/XXXX to begin building credit. All of my payments were on time and I never missed a payment. I called XXXX XXXX customer service multiple times to inquire why they were reporting my payment as late to the credit bureaus when I was paying on time. XXXX informed me they would verify this and update me as why this was occurring. However, XXXX never updated me as to why my payment history was incorrect. I eventually requested for the account to be closed due to the constant errors of XXXX XXXX XXXX I have disputed this through XXXX/ XXXX XXXX Transunion XXXX XXXX, and XXXX since the account was closed in XXXX. XXXX XXXX has reported to Transunion XXXX XXXX, and XXXX that my payment history was verified but it was never verified. I then requested additional information about the method of verification used. XXXX XXXX XXXX Transunion XXXX XXXX, and XXXX were required to respond within 15 days. XXXX XXXX XXXX Transunion XXXX XXXX XXXX and XXXX failed to provide this information in a timely and responsive manner, which are violations of federal regulations. XXXX XXXX has violated Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) ( i ) of the Fair Credit Reporting Act. XXXX XXXX has failed in their duty to furnish accurate information to the credit bureaus. XXXX XXXX has also failed in their required duties upon notice of a dispute through a credit reporting agency and their required duties upon notice of a dispute from a consumer ( direct disputes ). XXXX XXXX also failed to send me a negative information notice informing me of the negative information they would be reporting to nationwide consumer reporting agencies. Transunion, XXXX, and XXXX have failed in their required duties and examination procedures to verify the accuracy of the information reported to them from XXXX XXXX XXXX I have listed below the exact federal codes of the Fair Credit Reporting Act, that XXXX XXXX XXXX Transunion XXXX XXXX XXXX and XXXX have violated : CFPB Consumer Laws and Regulations Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information.
b. delete the item of information.
c. permanently block the reporting of that item of information.
Duties upon notice of dispute from a consumer ( direct disputes ) Section 623 ( a ) ( 8 ) ; 15 U.S.C. 1681s-2 ( a ) ( 8 ) ; 12 CFR 1022.43 General rule. A furnisher must conduct a reasonable investigation of a direct dispute ( unless exceptions, described later, apply ) if the dispute relates to : 1. the consumers liability for a credit account or other debt with the furnisher, such as direct disputes relating to whether there is or has been identity theft or fraud against the consumer, whether there is individual or joint liability on an account, or whether the consumer is an authorized user of a credit account ; 2. the terms of a credit account or other debt with the furnisher, such as, direct disputes relating to the type of account, principal balance, scheduled payment amount on an account, or the amount of the credit limit on an open-end account ; 3. the consumers performance or other conduct concerning an account or other relationship with the furnisher such as, direct disputes relating to the current payment status, high balance, payment date, the payment amount, or the date an account was opened or closed ; or 4. any other information contained in a consumer report regarding an account or other relationship with the furnisher that bears on the consumers creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.
Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 2 ) ( ii ) Section 623 ( a ) ( 7 ) requires a financial institution to provide consumers with a notice either before it provides negative information to a nationwide consumer reporting agency, or within 30 days after reporting the negative information.
Institutions may provide this disclosure on or with any notice of default, any billing statement, or any other materials provided to the customer, as long as the notice is clear and conspicuous. Institutions may also choose to provide this notice to all customers as an abundance of caution. However, financial institutions may not include this notice in the initial disclosures provided under Section 127 ( a ) of the Truth in Lending Act.
CFPB Examination Procedures Consumer Report and Information Sharing Section 603 ( d ) ; 15 U.S.C. 1681a ( d ) ( i ) ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Negative Information Notice Section 623 ( a ) ( 7 ) ; 15 U.S.C. 1681s-2 ( a ) ( 7 ) ; 12 CFR 1022.1 ( b ) ( 1 ) ( ii ) 1. If the entity provides negative information to a nationwide consumer reporting agency, verify that the entitys policies and procedures ensure that the appropriate notices are provided to consumers.
2. If procedural weaknesses or other risks requiring further investigation are noted, review a sample of notices provided to consumers to determine compliance with the technical content and timing requirements.
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| 10/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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( I HAVE DISPUTED THIS TWICE NOW AND THEY ARE FAILING TO FOLLOW THE LAW AND REMOVE AND DELETE ALL INFORMATION FROM MY CONSUMER CREDIT REPORT. PLEASE HELP ME I KNOW THAT THE CFPB IS FOR CONSUMER PROTECTION WHEN COMPANIES ARE NOT FOLLOWING THE LAW AND IS FAILING TO SUPPLY REMEDY AND FOLLOW WHAT I, XXXX XXXX, CONSUMER SAY ABOUT MY CONSUMER REPORT AND HOW THEY UNLAWFULLY OBSESS MY MEANS OF IDENTITIFICATION BY THE CREDITORS. THE CREDITORS ALSO SOLD AND OR SHARED MY INFORMATION WITHOUT CONSENT AS WELL AND IS A VIOLATION OF 15 USC 1681B AND ACCORDING TO 18 USC 1028A THAT IS AGGRAVATED IDENTITY THEFT BECAUSE THERE WAS CONSENT FROM ME ) XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX TRANSUNION XXXX XXXX XXXX XXXX, PA XXXX I, XXXX XXXX, Living Being is a consumer and I recently looked over my Credit Report and noticed inaccurate Accounts and Inquires on my credit report that Is unauthorized and I am a victim of IDENTITY THEFT. The accounts below open/closed and in collections is not mines and has been done without my consent or authorization. All transaction, or charges are result in such action of identity theft. I Request that you delete the fraudulent accounts and any related finance charge and other charges from my account, send me an updated and accurate credit report, and delete the account. I also request that you cease reporting inaccurate information to my credit report.
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are result in identity theft. Consumers should redact information that is unrelated to the dispute with XXXX. Also, enclosed is a copy of the Notice to furnishers issued by the federal trade commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher.
According to UNITED STATES FEDERAL CODE your company is in VIOLTATION of 15 U.S. Code 1681b - Permissible purposes of consumer reports. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. There was never any written consent for this information to be posted onto my consumer profile without my written consent. 15 U.S. Code 1681a - Definitions ; rules of construction ( 3 ) Identity theft. The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Your company is in VIOLATION of federal law by making me a victim of Identity Theft according to 18 U.S. Code 1028A - Aggravated identity theft ( 1 ) In general. Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years. ( 7 ) the term means of identification means any name or number that may be used, alone or in conjunction with any other information, to identify a specific individual, including any ( A ) name, social security number, date of birth, official State or government issued drivers license or identification number, alien registration number, government passport number, employer or taxpayer identification number ; ( B ) unique biometric data, such as fingerprint, voice print, retina or iris image, or other unique physical representation ; ( C ) unique electronic identification number, address, or routing code ; or ( D ) telecommunication identifying information or access device ( as defined in section 1029 ( e ). Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Your Company has VIOLATED federal laws and can be held liable according 15 U.S. Code 1611- Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder ( 3 ) otherwise fails to comply with any requirement imposed under this subchapter, shall be fined not more than {$5000.00} or imprisoned not more than one year, or both. I DEMAND YOU DELETE ALL ACCOUNTS AND INQUIRES LISTED BELOW AND IF YOU NOT, I WILL FILE A LAWSUIT AGAINST YOUR COMPANY FOR ON XX/XX/XXXX ( 10 ) BUSINESS DAYS AFTER RECEIVING THIS LETTER.
1 ) Defamation of Character 2 ) Damage to Credit Worthiness 2 ) Violating the FAIR CREDIT REPORTING ACT 3 ) Causing me XXXX XXXX and XXXX Violations Aggravated Identity Theft 15 U.S. Code 1681b ( 2 ) 15 U.S. Code 1681A 18 U.S. Code 1028A Your Company is VIOLATING FEDERAL UNITED STATES CODES and can be held LIABLE according to 15 U.S. Code 1611 and I wont hesitate to file a lawsuit.
I DEMAND YOU DELETE AND BLOCK ANY ACCOUNTS FROM REPORTING ON MY CONSUMER PROFILE!!!!
ACCOUNTS : XXXX XXXX Date Opened : XXXX, XXXX XXXX : {$1000.00} XXXX XXXXXXXX XXXX Date Opened : XXXX, XXXX Amount : {$500.00} XXXX XXXX Date Opened : XXXX, XXXX Amount : {$500.00} XXXX XXXX Date Opened : XXXX, XXXX Amount : {$15000.00} INQUIRIES XXXX XXXX, XXXX XXXXXXXX XXXX XXXX ( BANK ) XXXX, XXXXXXXX XXXX XXXX XXXXXXXX ( BANK ) XXXX, XXXXXXXX XXXX ( BANK ) XXXX, XXXX XXXX XXXXXXXX BANK ( BANK ) XXXX, XXXX XXXX ( BANK ) XXXX, XXXX XXXX XXXXXXXX ( BANK ) XXXX, XXXX XXXX XXXX ( FINANCE ) XXXX, XXXX XXXXXXXX XXXX ( FINANCE ) XXXX, XXXX XXXX XXXX XXXX ( BANK ) XXXX, XXXX XXXX XXXX XXXX BANK ) XXXX, XXXXXXXX XXXX XXXX XXXX XXXX ( FINANCE ) XXXX, XXXX XXXX XXXX XXXX BANK ) XXXX, XXXX XXXX XXXX XXXX ( BANK ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( BANK ) XXXX, XXXX XXXX ( BANK ) XXXX, XXXX
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| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights XXXX
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Transunion, XXXX, and XXXX continue to report inaccurate information on the account listed DPT EDXXXX Account # : XXXX. The account has several inconsistencies which means it has not been verified under FCRA.
Account # : XXXX XXXX XXXX Account Type - Detail : Educational Educational - Account Status : Closed Paid Paid Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX No. of Months ( terms ) : XXXX XXXX XXXX Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
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| 01/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX Date of Birth : XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
4. XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
5. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
6. XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
7. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
8. XXXX XXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
9. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
10. XXXXXXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay.
11. XXXXXXXX XXXX Account Number : XXXX I am interested to know how you are always able to verify something that never actually happened? I dont remember ever being late with any of my payments. Remove this harmful incorrect data immediately from my credit file.
12. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
14. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
15. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
16. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
17. XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX, Rhode Island XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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I am writing to bring to your attention certain inaccuracies on my consumer report. I have recently reviewed the report provided by the credit reporting agencies and identified errors related to credit card utilization and late payments. I believe these inaccuracies are adversely affecting my credit score. Per the Fair Credit Reporting Act '' 15 USC 1681 section 602 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 15 USC 1681 ( a ) ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681a ( 2 ) ( A ) ( i ) states The term consumer report does not include ANY report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1681b ( a ) ( 2 ) states Any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 15 USC 1666b ( a ) states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
The Financial Institutions { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. } and the Consumer Reporting Agencies XXXX, XXXX, & Transunion do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. never informed me of my right to exercise my nondisclosure option. These accounts are reporting adverse items without my permission which is against the law. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. My terms and conditions on my contracts state clearly that these companies will not report non-public personal information to non-affiliated third parties.
I also discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income
can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2.
PRIVACY ACT OF 1974 ( 5 U.S. CODE 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual.
( b ) Conditions of disclosure -- - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains.
As a XXXX XXXX XXXX acting in good faith I am giving you an opportunity to correct said mistakes and have all my accounts updated to paid as agreed under an open end consumer credit plan pertaining to 15 U.S. Code 1666 ( b ) Timing of Payments. All accounts should also be updated with proper utilization pertaining to 15 U.S Code 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report.
REMOVE ALL LATE PAYMENTS - 15 U.S. CODE 1666b REMOVE ALL INACCURATE INFORMATION RELATING TO TRANSACTIONS AND EXPERIENCES - 15 U.S. CODE 1681a ( 2 ) ( A ) ( i ).
15 U.S. CODE 1681e ( b ) - Accuracy of Report 15 U.S. CODE 1681n - Civil Liability for willful noncompliance.
12 C.F.R. 1022.3 - Definitions 15 U.S. CODE 1681 c-2 - Block of Information resulting from Identity Theft.
15 U.S. CODE 1681o - Civil Liability for negligent noncompliance.
15 U.S. CODE 1681s-2 Responsibilities of furnishers of information to Consumer Reporting Agencies .
PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ).
12 C.F.R 1016.1 - Purpose and Scope.
12 C.F.R 1016.4 Initial privacy notice to consumers required.
12 C.F.R. 1016.7 Form of opt out notice to consumers ; opt out methods.
15 U.S. CODE 6802 - Obligations with respect to disclosures of personal information.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. The account listed XXXX Account # : XXXX has several inconsistencies among the three reporting agencies.
Account # : XXXX XXXX XXXX Account Status : Derogatory Open Derogatory Monthly Payment : {$0.00} {$90.00} {$0.00} High Credit : {$200.00} {$200.00} {$120.00} Credit Limit : {$170.00} {$170.00} {$0.00} Past Due : {$15.00} {$75.00} {$15.00} Payment Status : Collection/Chargeoff Late 150 Days Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off - Charged off account Secured credit card Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1693g - Consumer liability ( a ) Unauthorized electronic fund transfers ; limit A consumer shall be liable for any unauthorized electronic fund transfer involving the account of such consumer only if the card or other means of access utilized for such transfer was an accepted card or other meanas [ 1 ] of access and if the issuer of such card, code, or other means of access has provided a means whereby the user of such card, code, or other means of access can be identified as the person authorized to use it, such as by signature, photograph, or fingerprint or by electronic or mechanical confirmation. In no event, however, shall a consumers liability for an unauthorized transfer exceed the lesser of ( 1 ) {$50.00} ; or ( 2 ) the amount of money or value of property or services obtained in such unauthorized electronic fund transfer prior to the time the financial institution is notified of, or otherwise becomes aware of, circumstances which lead to the reasonable belief that an unauthorized electronic fund transfer involving the consumers account has been or may be effected. Notice under this paragraph is sufficient when such steps have been taken as may be reasonably required in the ordinary course of business to provide the financial institution with the pertinent information, whether or not any particular officer, employee, or agent of the financial institution does in fact receive such information.
Notwithstanding the foregoing, reimbursement need not be made to the consumer for losses the financial institution establishes would not have occurred but for the failure of the consumer to report within sixty days of transmittal of the statement ( or in extenuating circumstances such as extended travel or hospitalization, within a reasonable time under the circumstances ) any unauthorized electronic fund transfer or account error which appears on the periodic statement provided to the consumer under section 1693d of this title. In addition, reimbursement need not be made to the consumer for losses which the financial institution establishes would not have occurred but for the failure of the consumer to report any loss or theft of a card or other means of access within two business days after the consumer learns of the loss or theft ( or in extenuating circumstances such as extended travel or hospitalization, within a longer period which is reasonable under the circumstances ), but the consumers liability under this subsection in any such case may not exceed a total of {$500.00}, or the amount of unauthorized electronic fund transfers which occur following the close of two business days ( or such longer period ) after the consumer learns of the loss or theft but prior to notice to the financial institution under this subsection, whichever is less.
( b ) Burden of proof In any action which involves a consumers liability for an unauthorized electronic fund transfer, the burden of proof is upon the financial institution to show that the electronic fund transfer was authorized or, if the electronic fund transfer was unauthorized, then the burden of proof is upon the financial institution to establish that the conditions of liability set forth in subsection ( a ) have been met, and, if the transfer was initiated after the effective date of section 1693c of this title, that the disclosures required to be made to the consumer under section 1693c ( a ) ( 1 ) and ( 2 ) of this title were in fact made in accordance with such section.
( c ) Determination of limitation on liability In the event of a transaction which involves both an unauthorized electronic fund transfer and an extension of credit as defined in section 1602 ( e ) [ 2 ] of this title pursuant to an agreement between the consumer and the financial institution to extend such credit to the consumer in the event the consumers account is overdrawn, the limitation on the consumers liability for such transaction shall be determined solely in accordance with this section.
( d ) Restriction on liability Nothing in this section imposes liability upon a consumer for an unauthorized electronic fund transfer in excess of his liability for such a transfer under other applicable law or under any agreement with the consumers financial institution.
( e ) Scope of liability Except as provided in this section, a consumer incurs no liability from an unauthorized electronic fund transfer.
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| 07/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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For over 100 days I've attempted to reach each credit bureau and HAVE not received ONE RESPONSE from any bureau. BELOW IS The information I'd like investigated and removed from my file.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To all three Credit BUREAUS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX Transunion XXXX XXXX XXXX XXXX PA XXXX XX/XX/XXXX To Whom It May Concern, This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.
Please refer to my previous letter for the information that needs to be re-investigated.
1. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arkansas XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX 5. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 6. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 7. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 8. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The following inquiry is more than two years old and I would like it removed XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
14. This is a duplicate account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15. Other information I would like changed XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
16. This is the wrong creditor for this item XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
17. Validate Account XXXXXXXX XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report.
18. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
19. Validate Account XXXX XXXX XXXX Account Number : XXXX-******************* Please investigate and delete from my credit report.
20. Validate Account XXXX XXXX XXXX XXXXccount Number : XXXX Please remove it from my credit report.
21. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
22. Validate Account XXXX BANK XXXX Account XXXX : XXXX Please remove it from my credit report.
23. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report.
24. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
25. Validate Account XXXX XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report.
26. The following personal information is incorrect XXXX XXXX XXXX.
Account XXXX : XXXX Please remove it from my credit report.
27. This is a duplicate account TXXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
28. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 29. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 30. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 32. The following personal information is incorrect Account Number : Former : XXXX XXXX XXXX 33. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 34. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 35. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 36. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 37. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX 38. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX. The following information is outdated. I would like it removed from my credit history report XXXX XXXX Account Number : XXXX Please remove it from my credit report.
The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
Sincerely yours, XXXX XXXX
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| 03/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
2. The inquiry was not authorized XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
5. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
6. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
7. The inquiry was not authorized XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
8. The inquiry was not authorized XXXX Date of inquiry : XXXXXXXXXXXX Inquiries have reached the statute of limitation.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXXXXXX Inquiries have reached the statute of limitation.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXXXXXX Inquiries have reached the statute of limitation.
12. The inquiry was not authorized XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
13. The inquiry was not authorized XXXX Date of inquiry : XXXXXXXX Inquiries have reached the statute of limitation.
14. The inquiry was not authorized XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
15. The inquiry was not authorized XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
19. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX Inquiries have reached the statute of limitation.
20XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
21. XXXX XXXX XXXX XXXX Account Number XXXX XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
22. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to
complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact
information is as follows XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Arizona XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NWWashington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 07/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Account name XXXX opened XX/XX/XXXX I am Writing this letter again stating national known issues with the XXXX XXXX and TransUnion that the Government Investigation Finds XXXX, TransUnion, and XXXX Failed to Address Errors in XXXX XXXX XXXX XXXX XXXX XXXX Have XXXX XXXX XXXX XXXX The investigation found that, between XXXX and XXXX, at least XXXX XXXX disputes were discarded and not investigated by XXXX, TransUnion, and XXXX. The credit reporting agencies have their reasons for why this happened, claiming they were illegitimate for XXXX reason or another. Under the FCRA, credit reporting agencies must investigate all disputes submitted directly by consumers or their authorized representatives. The subcommittee investigation indicated that credit reporting agencies could be discarding millions of legitimate disputes each year, which is specifically detrimental to consumers who receive support services due to their financial struggles.
The investigation also showed that the big XXXX credit reporting agencies have been leaving the burden of investigating these credit report disputes to data furnishers. Data furnishers are the organizations that provide the data that credit reporting agencies use to create credit reports. According to the investigation, the big XXXX credit reporting agencies have been leaving more than half of their disputes for data furnishers to investigate.
What Is the Purpose of the Fair Credit Reporting Act? How Does the Fair Credit Reporting Act Protect Consumer Rights?
You have the right to accurate information on your credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that ensures that all consumer credit information is fair and accurate. The FRCA is enforced and violations of the Fair Credit Reporting Act are investigated by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). The FCRA also protects the information collected by credit reporting agencies and limits the purposes for which these reports can be requested. The act specifically states that credit reporting agencies have a duty to investigate any disputed information. The Fair Credit Reporting Act protects consumer rights by ensuring accuracy and protecting your private information from being accessed unless theres a specific purpose.
I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this due to Inaccurate reporting. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. The Fair Debt Collection Practices Act requires you to respect this request. This account is in collections as well reflecting a past due balance INACCURATE REPORTING this account also reflects multiple balances how can the account balance be different than the written off balance again this is Inaccurate and incomplete Reporting this account is also closed with a past due balance which is also INACCURATE AND INCOMPLETE REPORTING XXXX shows payment history within the last XXXX years and XXXX different balances and XXXX TransUnion shows XXXX with is also Inaccurate and incomplete reporting might I also Add this same account which was also reporting inaccurate to XXXX was disputed and due to the factual information being reported inaccurate and incomplete the account was deleted I have also attached XXXX dispute results as evidence that both these XXXX has not done a proper investigation By law you are to delete this account and any information connected to it and cease and desist all collection reporting actions I am a ligation customer and I will seek legal action if this account continues to report illegal and false information. See 15 U.S.C. 1692 ( c ). 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In general. After receiving notice pursuant to section 611 ( a ) ( 2 ) [ 1681XXXX ] of a dispute with regard to the completeness or accuracy of any information provided by a person to a consumer reporting agency, the person ( furnisher of information ) shall ( A ) conduct an investigation with respect to the disputed information ; ( B. review all relevant information provided by the consumer reporting agency pursuant to section 611 ( a ) ( 2 ) [ 1681i ] ; ( C. report the results of the investigation to the consumer reporting agency ; ( D ) if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information. Section 623 of the Fair Credit Reporting Act ( FCRA ), enforceable under the Fair and Accurate Credit Transactions ( FACT ) Act ; affords consumers the right to request that the furnisher of information conduct a reasonable investigation into the completeness and accuracy of the information being reported to the credit bureaus. Furnishers of information ( especially OCs ) are required under Section 312 of the FACT Act to establish and maintain guidelines on the accuracy and integrity of information furnished to credit bureaus, which means they should be able to conduct a proper investigation or records. Failure to preform a reasonable investigation can constitute legal action under the FCRA, Section 616, for willful non-compliance. Case law establishing liability of reporting inaccurate information was established in XXXX v. XXXX and XXXX XXXX XXXX XXXX. Failure to conduct a reasonable investigation can also lead to complaints being filed with your states Attorney General, the Federal Trade Commission and the Consumer Financial Protection Bureau.
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| 08/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX 'S Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. Please remove it from my credit report.
XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. Please remove it from my credit report.
XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, A This is not my name. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Sincerely, XXXX XXXX XXXX
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| 05/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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You are in violation of The Fair Credit Reporting Act, several of the accounts on my consumer report are Inaccurate and are violating my rights. My personal information on my consumer report should be exactly the way it is stated in the section above. Any Names, Addresses, DOB, Social Numbers, Email addresses, Employers, that are not in the section above are inaccurate and should be removed immediately.
Accounts That are in Violation : XXXXXXXX XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete.
15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXXXXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX Card : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXXXXXX : XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXX Credit Card XXXX XXXX This Account is closed and Charged Off. Remove immediately from my consumer report. I never received a 1099-C form since this is considered discharged debt. The account is written off which would mean this is now an income. Income is not to be reported as a debt for it is illegal and against U.S Consumer Law. Furthermore, I would also need the method of verification that proves this account is accurate, in writing. You have 30 days to get me the method of verification or you must delete. 15 US Code 1681e ( b ) - Compliance Procedures XXXX XXXX XXXX : XXXX I have no acknowledgement of this account, I have never signed a contract of debt with this company. Delete immediately off of my consumer report. This account is being reported under collections, which means they bought information from another company which now means i'm not liable for this under Law. Delete immediately 15 US Code 1692 ( b ) - Acquisition of Location Information ( 2 ) not state that such consumer owes any debt : ( 3 ) not communicate with any such person more than once unless requested by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information XXXX XXXX XXXX XXXX I never gave permission to this company to run a hard inquiry on my consumer report. Provide proof of signature for this request of debt. If you can not provide delete immediately for this is in violation of my rights.
15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : XXXX XXXX XXXX XXXX Inquiry I never gave permission to this company to run a hard inquiry on my consumer report. Provide proof of signature for this request of debt. If you can not provide delete immediately for this is in violation of my rights.
15 US Code 1681 ( b ) - Permissible purposes of Consumer Reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other :
|
| 05/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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In XX/XX/2022 my vehicle was stolen from a secure parking lot where I live and shortly after my business was broken into likely using keys found in the vehicle. Electronic devices including two XXXX phones were obtained and other devices were secured by the thieves and these thieves were able to use My information and I continue to use it in attempting to obtain credit from various lenders. The XXXX Police continue to investigate and there are police reports and records related to the incident that I have attached here.
SIM cards were removed from the devices that were obtained in my name and weeks later used in separate devices. Subsequent XXXX invoices issued to me in my name provided evidence of phone numbers and other information such as data they were used by the thieves weeks later. This was provided to XXXX police.
My vehicle was eventually discovered weeks after the date of loss abandoned and my business is still attempting to recover.
In my opinion, XXXX has been negligent and outright complicit in causing significant financial harm to me bordering on civil and potential criminal liability. Since day one they were advised of both the personal property theft and then the identity theft that has continued as the SIMS and other devices were obtained using information that was stolen from the original devices. XXXX insurance company even denied the personal property claims Without giving any explanation and my commercial coverage and recovery was limited and hindered by XXXX inept billing practices which despite the electronic devices being reported stolen and/or not authorized by me allowed additional data use and invoices to be sent out identifying the devices as ones that werent the original ones stolen but rather ones ( data packages are controlled by the Sims and even if a phone blacklisted the SIM if not deactivated by XXXX can be used ) and data continued to pile up on the Sims that were removed from those devices and placed into separate devices. In short, XXXX sent invoices to me that included XXXX for devices that werent part of the original crime ( but were the XXXX of other phones that were used by the thieves but SIMs from phones taken from my business were used in the separate phones connecting me by default. The result is XXXX Is charging me for devices that were not purchased by me and is trying to make me pay for data and service used by the same people who stole from me.
It gets worse During that same period, a review of my credit reports shows dozens of hard inquiries by lenders 1 ) that I currently had relationships with such as XXXX XXXX, XXXX, XXXX XXXX, and XXXXXXXX XXXX and XXXX ) other lenders that I had not given any permission or authorization to run my credit.
Both existence of groups suggest in my mind that there was an ongoing attempt to secure credit ( and vehicles ) and by these thieves using info for accounts I already had and my personal info for other lenders. I have active alerts in place through monthly paid plans at all three credit bureaus and if not for these alerts the thieves would have been successful.
I was eventually able to get XXXX to issue a XXXX balance owed. But last week I received a bill for over {$4000.00} From XXXX which includes charges for the devices that I did not authorize be purchased in my name and for data and plans that were not used by me and includes the period of time after I expressly told XXXX that the services and data were not mine nor were they being used by me. XXXX well knows that any plan would not have been put in my name.
Ive attempted to communicate this to the CRAs relative to the dozens of inquires made by lenders but to date the inquiries remain. I have attached a list of the lenders that are showing with hard inquiries and it should be noted that Ive reached out to each lender and communicated as best I can that these are not permissible or authorized by me. I have received letters from several of the lenders indicating as much. I also have an invoice for {$4000.00} from XXXX thats in my name and Im not sure watch where to turn to get this resolved given that they had already worked with us and issued a XXXX dollar balance but now the balance due is over {$4000.00}.
My personal credit is important to me and its central to my business growth as well as my ability to move forward and I dont believe that XXXX has taken the appropriate steps nor do they have a system in place with their insurance provider, their billing department or their customer service dept that allows them to properly respond or address these matters. They do not have a point of reference for customers as far as I know that deals with this on the consumer side.
Whats so frustrating about this is that identity theft is on the rise and the credit bureaus and companies like XXXX market certain plans and protections for exactly this yet when it comes to actually working with the consumer I believe that the companies and the bureaus readily dismiss identity theft claims and put the burden on the victim to prove something that shouldnt take more than a split second to look at it and determine is true based on patterns and the facts presented.
I even had a call into XXXX on the hard inquiries Result into what strongly appears to be a follow up by a unscrupulous actor pretending to be from XXXX and asking for all sorts of personal information that wouldve been outside the lines of what the bureaus wouldve needed or asked for and now Im left with really a bad taste about the likelihood of any of us being remedied.
Its especially disheartening since in this case there are plenty of ways to document what Im saying namely the XXXX Police Department and police reports and supplemental records that are on file. Further its one thing for them to you drop the ball as it pertains to just their customer service but their actions have exacerbated the original harm that I received by the thieves actions not just personally but also professionally as my commercial insurance coverage as I mentioned earlier was limited by the inaccurate records and invoices that were issued to me in my name from XXXX that showed Matters that were not consistent with what I was saying occurred. Of course eventually I was able to get past that but it was not without some unnecessary and stressful communication.
I need help with the hard inquiries at the credit bureau level and I need help with XXXX in communicating that Im the victim of a crime here and that this invoice must go away and that my name and my credit not be affected.
|
| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Collections XXXX XXXX, XXXX {$390.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX, XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$390.00} High Balance {$320.00} Remarks -- XXXX XXXX XXXX, XXXX {$1200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX, XXXX Original Creditor XXXX XXXX XXXXXXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1200.00} High Balance {$1200.00} Remarks Medical XXXXXXXX XXXX XXXX {$2900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXXXXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$2900.00} High Balance {$2900.00} Remarks XXXX XXXX XXXX XXXX XXXX {$980.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$980.00} High Balance {$980.00} Remarks Medical XXXX XXXX XXXX {$1200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1200.00} High Balance {$1200.00} Remarks Medical XXXX XXXX XXXX {$1700.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1700.00} High Balance {$1700.00} Remarks Medical XXXX XXXX XXXX {$1700.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX GRVL Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1700.00} High Balance {$1700.00} Remarks Medical XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1100.00} High Balance {$1100.00} Remarks Medical XXXX {$190.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$190.00} High Balance {$190.00} Remarks -- XXXX XXXX XXXX {$300.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$300.00} High Balance {$300.00} Remarks Medical XXXX XXXX XXXX {$140.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$140.00} High Balance {$140.00} Remarks Medical XXXX XXXX XXXX {$320.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$320.00} High Balance {$320.00} Remarks Medical XXXX XXXX XXXX {$120.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$120.00} High Balance {$120.00} Remarks Medical XXXX XXXX XXXX {$300.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$300.00} High Balance {$300.00} Remarks Medical XXXX XXXX XXXX {$43.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$43.00} High Balance {$43.00} Remarks Medical XXXX XXXX XXXX {$36.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$36.00} High Balance {$36.00} Remarks Medical XXXX XXXX XXXX {$180.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$180.00} High Balance {$180.00} Remarks Medical XXXX XXXX XXXX {$180.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$180.00} High Balance {$180.00} Remarks Medical XXXX XXXX XXXX {$320.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$320.00} High Balance {$320.00} Remarks Medical XXXX XXXX XXXX {$300.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$300.00} High Balance {$300.00} Remarks Consumer disputes this account information Medical XXXX XXXX XXXX {$32.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$32.00} High Balance {$32.00} Remarks Medical XXXX XXXX SYSTEMS {$1900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1900.00} High Balance {$1900.00} Remarks Medical XXXX XXXX XXXX XXXX XXXX {$1500.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1500.00} High Balance {$1500.00} Remarks Medical Collection account ALL FTC THAT WAS FILED
|
| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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Transunion and XXXX continue to report inaccurate information on my consumer report. This is negatively affecting me and causing me to be denied for credit. The account listed XXXX XXXX XXXX XXXX has several inconsistencies which means this account has not been validated which means verification was impossible to accomplish.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
|
| 01/05/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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To whom it may concern, I am writing to dispute the following information on my credit report and have the following information removed from my file. The items I need deleted are listed below. I am a victim of identity theft and DID NOT open these accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and have also enclosed copies of the documents supporting my dispute, Federal Trade Commission 's identity theft affidavit. Please delete the items as soon as possible.
These companies are hindering me from getting a new car, stopping me from getting a better job and new mortgage for myself and my XXXX kids..we are living in a XXXX bedroom apartment as of now!! I have already contacted the credit bureaus about the inaccuracies on my credit report. Secondly, I sent letters to them 30 days ago and I still not heard from these people yet!
Sincerely, XXXX XXXX Fraudulent Accounts : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX All providers of consumer reports are required to adhere to applicable regulations, including those introduced subsequent to the issuance of this notice in XXXX. Current information on relevant regulations can be accessed on the Consumer Financial Protection Bureaus website at www.consumerfinance.gov/learnmore.
NOTICE TO INFORMATION PROVIDERS : RESPONSIBILITIES UNDER THE FCRA The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681y, imposes obligations on individuals furnishing information to consumer reporting agencies ( CRAs ). These responsibilities, outlined in Section 623 of the FCRA, 15 U.S.C. 1681s-2, may be supplemented by state law requirements. To ensure compliance, all information providers to CRAs should familiarize themselves with applicable laws and seek legal counsel if necessary. The complete text of the FCRA is available on the Bureau of Consumer Financial Protections website at www.consumerfinance.gov/learnmore, with cross-references to the U.S. Code provided at the document 's conclusion.
Section 623 outlines the following duties : Accuracy Guidelines : Regulatory guidelines on information accuracy provided to CRAs will be issued by banking and credit union regulators and the CFPB, accessible at www.consumerfinance.gov/learnmore upon release ( Section 623 ( e ) ).
General Prohibition on Reporting Inaccurate Information : Information furnishers are prohibited from supplying CRAs with knowingly inaccurate information. However, this prohibition does not apply if the furnisher clearly designates an address for consumers to report inaccuracies ( Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ) ).
Duty to Correct and Update Information : If a furnisher discovers incomplete or inaccurate information previously provided to CRAs, they must promptly provide accurate information and notify all relevant CRAs of the corrections ( Section 623 ( a ) ( 2 ) ).
Duties After Notice of Dispute from Consumer : Upon receiving notice of inaccurate information from a consumer, the furnisher must correct the information and report the accurate details to CRAs ( Section 623 ( a ) ( 1 ) ( B ) ).
Duties After Notice of Dispute from Consumer Reporting Agency : If a CRA informs the furnisher of a consumer dispute, the furnisher must conduct an investigation, report the results to the referring CRA, and, if necessary, correct the information with all relevant CRAs within specific timeframes ( Section 623 ( b ) ).
Duty to Report Voluntary Closing of Credit Accounts : Furnishers must report the voluntary closure of credit accounts to CRAs during the relevant period ( Section 623 ( a ) ( 4 ) ).
Duty to Report Dates of Delinquencies : Furnishers must report the month and year of delinquency commencement within 90 days for delinquent accounts ( Section 623 ( a ) ( 5 ) ).
Duties of Financial Institutions When Reporting Negative Information : Financial institutions must notify consumers in writing if they may furnish or have furnished negative information to a CRA ( Section 623 ( a ) ( 7 ) ).
Duties When Furnishing Medical Information : Medical information furnishers must notify all CRAs to which they report of their primary business status and adhere to FCRA provisions regarding medical information reporting ( Section 623 ( a ) ( 9 ) ).
Duties when ID Theft Occurs : Furnishers must establish procedures to address identity theft notifications from CRAs and refrain from refurnishing such information. Any inaccuracies resulting from identity theft must be promptly corrected and reported ( Section 623 ( a ) ( 6 ) ).
For further details and additional resources, visit the Consumer Financial Protection Bureau website at www.consumerfinance.gov/learnmore. The FCRA sections in the U.S. Code are cited in the document for reference.
References to FCRA Sections in the U.S. Code, 15 U.S.C. 1681 et seq. : - Section 603 - Section 604 - Section 605 - Section 605A - Section 605B - Section 606 - Section 607 - Section 608 - Section 609 - Section 610 - Section 611 - Section 612 - Section 613 - Section 614 Citations : - 15 U.S.C. 1681 - 15 U.S.C. 1681a - 15 U.S.C. 1681b - 15 U.S.C. 1681c - 15 U.S.C. 1681c-1 - 15 U.S.C. 1681c-2 - 15 U.S.C. 1681d - 15 U.S.C. 1681e - 15 U.S.C. 1681f - 15 U.S.C. 1681g - 15 U.S.C. 1681h - 15 U.S.C. 1681i - 15 U.S.C. 1681j - 15 U.S.C. 1681k - 15 U.S.C. 1681l - Section 615 - Section 616 - Section 617 - Section 618 - Section 619 - Section 620 - Section 621 - Section 622 - Section 623 - Section 624 - Section 625 - Section 626 - Section 627 - Section 628 - Section 629 Citations : - 15 U.S.C. 1681m - 15 U.S.C. 1681n - 15 U.S.C. 1681o - 15 U.S.C. 1681p - 15 U.S.C. 1681q - 15 U.S.C. 1681r - 15 U.S.C. 1681s - 15 U.S.C. 1681s-1 - 15 U.S.C. 1681s-2 - 15 U.S.C. 1681t - 15 U.S.C. 1681u - 15 U.S.C. 1681v - 15 U.S.C. 1681w - 15 U.S.C. 1681x - 15 U.S.C. 1681y
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to formally dispute and bring to your attention a series of violations that have egregiously impacted my credit report, resulting in significant emotional distress and financial setbacks. I am seeking your urgent intervention to rectify these violations in accordance with the applicable laws, thereby restoring fairness and accuracy to my credit history.
The violations, along with the respective account details, are as follows : XXXX XXXX XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting ( FCRA Section 611 ) Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This address is not correct. Delete it immediately from my report.
XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting ( FCRA Section 611 ) Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
NAME : XXXX XXXX XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This is not my name. Delete it immediately from my report.
CURRENT ADDRESS : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This address is not correct. Delete it immediately from my report.
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Violation : Incorrect Personal Information ( FCRA Section 611 ) Explanation : This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX Account Number : XXXX Violation : Unclear Account Information Explanation : This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX Account Number : XXXX Violation : Inaccurate Reporting ( FCRA Section 611 ) Explanation : To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Inquiry ( FCRA Section 604 ) Explanation : I have no recollection of authorizing this credit pull and I demand this to be removed.
These violations have had a profound and distressing impact on my life. The inaccuracies and unauthorized inquiries on my credit report have not only hindered my ability to secure loans and credit, but they have also created a constant state of anxiety and concern. It is a daily struggle to navigate financial matters with the weight of these errors and discrepancies.
I implore the Consumer Financial Protection Bureau to intervene and enforce the legal provisions that safeguard consumers like myself. I am requesting the following actions : Conduct a thorough investigation into each of the violations mentioned above.
Ensure that the creditor provides documented verification of the accounts in question.
Enforce the relevant provisions of the Fair Credit Reporting Act ( FCRA ) to rectify the inaccuracies and unauthorized inquiries promptly.
In cases where the accounts can not be verified, require the creditors to remove these unverified accounts from my credit report.
Your intervention in this matter is paramount, as it will not only alleviate the emotional and financial distress I have endured but also set a precedent for the fair and accurate treatment of all consumers who face similar challenges.
I appreciate your attention to this matter and eagerly await a resolution that upholds the principles of justice and consumer protection. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ] should you require any additional information.
Thank you for your time and consideration.
Sincerely, XXXX XXXX
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| 12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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This concerns Identity Theft in which I am the victim. There are several different accounts listed on my credit profile that I did not open or had anything to do with whatsoever. These accounts are a direct result of someone stealing my credit information and opening credit cards, personal loans. I have sent XXXX, as well as the other XXXX credit bureaus, all the necessary documents and information that they have requested. The documents I sent was a Federal Trade Commission report, a Police report that was filled out by a senior Police Detective, other evidence that I sent along with these, going beyond what I was required to send. I have reached out to every company in question about this identity theft case. These companies keep saying that the accounts are legitimate, which of course would be their trained response. Obviously these companies know that the thief that stole my credit information will never pay these companies their money, so instead they go after the victim. I explained this to XXXX several different times but they keep going along with the companies in question. On one occasion of correspondence, I spoke with an XXXX supervisor concerning this case. Angrily I ask a question, which was, does XXXX have the consumer at their best interest, or is their loyalty with these credit card companies and loan companies. The supervisor told me that yes they pretty much side with the companies. I shouldnt have to suffer and pay for something that I did not do. Having a Federal Trade Commission report as well as a Police report should have satisfied these companies, but instead they blame me knowing that I didnt open these accounts. A lot of these accounts I have never even heard of before. Im very very upset. I think even beyond upset. I fought and was injured XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX this whole ordeal is making it much much worst. Every time I call and discuss this case, they say the same thing over and over, hoping that I just accept it and go on. Im not accepting anything that I had absolutely nothing to do with. Doing my own investigation, I found that whomever is responsible for this, bought a lot of items online. I called the companies and asked them where these items actually went to being delivered. I found out that the deliveries wasnt even delivered to my addressed. As a matter of fact, not even in my state. A XXXX Veteran shouldnt have to have their identity stolen and then be blamed for accounts that they did not open. Im very angry and I want all those accounts removed from my credit profile. Im already taking names from XXXX as well as the companies in question names, so that I can file criminal warrants against them for Identity theft. One of the names is XXXX XXXX, a supervisor at the consumer affairs division for XXXX. Others Im still gathering their information, but will have it very soon. I will be prosecuting every one of them. See, this a is serious situation. Now maybe these liars that work for XXXX and the companies in question, dont take it serious, but I do. This is my life and I will not walk away. I want these dirty underhanded liars to pay for the illegal activity that they have been taking part in for years. I even reached out to several other victims on a forum that was created by victims going thru the exact same issues. This is no coincidence. These crooks with certain job titles that work for XXXX, as well as the other XXXX credit bureaus, have been accepting money to side with the credit cards companies and loan companies as well. I really believe that this is going on. There are too many people who have been victimized, that can not receive justice. And this is with all the necessary documents and police reports, and faxes of requested information that is successfully given to these credit bureaus. They just take the word of these credit card companies without any evidence that supports their outcome. Its a shame that Im being treated this way, and I had nothing to do with it. I proudly put my life on the line in the XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont like getting angry, because I cant process and control that emotion like anybody else. Especially when Im not in fault. Im definitely gon na contact my attorney General for my state as well as my superiors inside the Military. And as I made clear, Im filing warrants against XXXX XXXX, a supervisor at the consumer affairs division of XXXX, as well as all parties involved that work for the companies in question concerning this Identity Theft case. Its really ridiculous that a person has to go thru all this because of several crooked individuals that illegally accept money from these credit card and loan companies. And a Veteran no doubt that fought in war to protect their freedom. Im contacting every available news networks and platforms online and offline to share this information with them and then in turn the whole world. XXXX create XXXX videos on XXXX given all this information, including names and their job titles. Im gon na send XXXX letters to all companies involved. I guarantee you, they will know my name. I WANT THE COMPANIES IN QUESTION REMOVED FROM MY CREDIT PROFILE IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX Im not gon na just let it go, because this is my life. And I will fight for my life. Why dont they apprehend the lazy thieving criminal XXXX that stole my XXXX credit information? They havent did anything remotely related to even looking for these criminals. This is why so many victims are suffering because these companies dont ever plan on looking for these thieves. They rather attack the victim because they know that these victims dont want their credit profile to stay destroyed. So see, these crooked companies not only demand, and in lots of cases, get the money from the victims, they also receive money from insurance coverage as well. If I have to create 2000 videos on XXXX about all this, I will. If I have to write 2000 letters to each one of these companies in question, I will. If I have to file criminal warrants against the names that I have, I will.
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| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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To Whom it may concern, This is my THIRD attempt to remove items that have not been validated on my report after two failed attempts. I will NOT be blatantly ignored and treated as though I am ignorant. Federal law is clear as to what the scope of validation and documentary material is so my requests are not tedious or malicious. I have studied my rights as a consumer under Section 623 of the FCRA, FCC FRA, Truth in Lending as well as administrative process. It has come to your attention numerous times that there are several inaccuracies within my consumer report that need to be corrected immediately. You have failed to comply with my requests TWICE. I am no longer demanding proof of ownership for the accounts in question below I am DEMANDING IMMEDIATE REMOVAL. I DO NOT GIVE PERMISSION FOR THE ACCOUNTS TO BE LISTED ON MY REPORT, continuation to not respond accordingly to these below accounts are VIOLATIONS OF FEDEERAL LAW. The accounts in question are below XX/XX/XXXXThis is my Third attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. There was NO full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. I DEMAND removal immediately. XXXX XXXX XXXX This is my Third attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. This account has also reached its statute of limitations on debt in Georgia pursuant to XXXX XXXX. .I DEMAND removal immediately. XX/XX/XXXX- This is my THIRD attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. This account has also reached its statute of limitations on debt in Georgia pursuant to XXXX XXXX. .I DEMAND removal immediately. XXXX XXXX XXXX This is my THIRD attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. This account has also reached its statute of limitations on debt in Georgia pursuant to XXXX XXXX. Please remove immediately. XX/XX/XXXX - Pursuant to XXXX XXXX XXXX XXXX late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. XX/XX/XXXX - Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. XXXX XXXX XXXX XXXX - Pursuant to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately. XXXX XXXX XXXX IN ORIGINAL CREDITOR ; XXXXXX/XX/XXXXThis is my THIRD attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. I have also attached proof of a XXXX balance for this account from the creditor. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. ORIGINAL CREDITOR ; EMERGENCY GROUP OF - This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. I have also NEVER made payment on this account. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates. I will not hesitate to bring legal action against you for the following : 1. Violation of the Fair Credit Reporting Act 2. Violation of the Fair Debt Collection Practices Act 3. Defamation of Character Your offices DID NOT provide proper documentation as requested in my previous request. If the alleged debt accounts are not removed immediately, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion ( to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and TransUnion ) request shall be sent to me immediately. AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium. If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately. CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY Thank you, XXXX XXXX
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| 01/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Im interested to know how you are continuously able to verify this account!! I dont remember ever being associated with this company that is unfamiliar to me. You must remove this frivolous account from my file right away.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation XXXX. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 02/21/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XXXX CFPB complaints along with an FTC Identity theft report were submitted to all 3 major CRA 's.
However your company have refused to block the information as defined in FCRA 605B and Title 15 USC 1681c-2.
You have no authority under any Federal or State law to report anything on my consumer file without my written or oral consent. Please provide me a copy of my oral or verbal consent or you will be held criminally liable for all violations pursuant to 15 USC 1681m.
1. ) The request to block the information requested was NOT done in error since I went through the trouble of creating an identity theft report.
2. ) My request was not a material misrepresentation.
3. ) If you believe I obtained goods and services you must prove that I did.
4. ) a consumer reporting agency MAY NOT RESCIND a block based on information that was already on my consumer report prior to the blocking of such information. That is NOT evidence of whether the consumer knew or should have known that the consumer obtained any goods, services or money as a result of the block.
If you rescinded a block please PROVIDE ME with this new evidence you obtained that you did not already have. If a company verified the debt, please provide me with the new evidence they obtained. All I received was copies of a consumer contract and/or financial statements.
If I received goods and services, please have a se
nior executive certified under the Penalty of Perjury that I have in fact received goods and services as a result of this transaction. However I know you can not prove this because its n
ot your business and you were not a witness to the transaction.
If you allowed a company to willingly display information without verifying or interviewing me to verify its authenticity, then that's FRAUD because you'll allow ANYONE and ANYTHING to be furnished without my consent.
A COPY OF A CONSUMER CREDIT CONTRACT is NOT sufficient to validate a debt- -Reference Case Law : Pacific Concrete F.C.U v. Kauanoe, 62 HAW. 334, 614 P.2d 936 ( 1980 ) -Actual damages are not capped at {$1000.00} ( Smith V Law offices of Mitchel N.Kay , D.Del. 1991 12 RB.R.182. ) -I do NOT have to show actual proof of actual damages- Crawford V credit collection services D.D.D 1995, 898 F.Supp.699 Under the FCRA ( Fair Credit Reporting Act ) you are NOT being fair! Your investigations are biased and unfair, especially when only asking one side of the story in your investigation.
It seems like anyone can open an account in my name and you will report it without asking me if the transaction actually happened. That is very UNFAIR.
You are giving more power to an organization over the actual consumer/creditor/natural person.
Title 15 USC 1681 ( a ) the first statement states " ACCURACY and FAIRNESS '' of credit reporting.
Accuracy is about equity! It has to be equitable to the consumer which is I the natural person. Has to be fair on both sides.
What's fairness? Fairness is conducting a thorough investigation and gathering evidence from both sides. However when someone applies for a credit extension under my name, and the financial institution reports it to you, with you verifying the information with me and asking for my consent, is that Fair??
The banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. Inaccuracy IMPAIRS the efficiency of the banking system, and your unfair and deceitful credit reporting methods undermines my public confidence in an ELABORATE MECHANISM who ONLY assumed this vital role in assembling and evaluating information on consumers. However just because you assumed this role, DOES NOT mean you have the authority to do so. Your authority comes from the consumer/natural person and no one else. I am effective immediately revoking your authority to furnish and report I DO NOT consent to.
Under the FCRA Title 15, congress has made it very clear to me that YOU ARE NOBODY! You have made yourself bigger than what you are by deceitful tactics and you don't have the power or authority to do what you are doing.
You keep sharing my address, which puts my life at risk.
You have shown displays that you have failed to exercise your grave responsibilities with fairness, impartiality, and respect for the consumers RIGHT TO PRIVACY!
THE RIGHT TO PRIVACY IS NOT AN OPTION!!!!!
title 15 usc 1681 defines the word consumer as the natural person.
Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX , and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will D/B/A XXXX XXXX XXXX XXXXXXXX XXXX XXXX as the agent , attorney in fact, so be it : I am writing to inform you of a XXXX Data Breach & compromise of my private , vital personal Information. Pursuant to 15 USC 1681 ( a ) ( 4 ) your company failed to ensure the Information reported was accurate & falled to exercise their grave responsibility with fairness & Impartiality.
Why was I never contacted to discuss these matters? Why wasn't I made a part of the original investigation?
Sounds like you gave dead-entity corporations & rights never granted. This is Identity theft and fraud.
A consumer report is ANY written, oral or other communication of ANY information.
Since a consumer report can be written, I am speaking for myself on my own behalf, I am assuming this vital role as a creditor and Im telling you this information is fraudulent and inaccurate.
You claimed to conduct an investigation with the companies referenced in my FTC identity theft reports, but how did you investigate something with a NON-LIVING person?
Even if you spoke to an agent, how do they have first hand knowledge of the information being furnished??
Do you have a financial interest in furnishing all information regardless of it being valid or invalid??
I know you do because Title 15 USC 1681a ( d ) ( 3 ) ( f ) clearly states that the term " Consumer Reporting Agency '' means ANY person which, for MONETARY FEES, DUES, engages in whole or part of the practice of assembling or evaluating consumer credit information on a consumer.
So Third party companies sell you information, and you turn around and sell that information to other third parties.
Due to your behavior I have suffered damages, extending to Stress, XXXX, marital problems with my wife, XXXX, weight gain, loss of time with family, hospitalization and much more.
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| 10/27/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my TransUnion, XXXX, and XXXX consumer credit bureaus. I would like all the late payments on this inaccurate account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my TransUnion, XXXX, and XXXX consumer credit bureaus. I would like all the late payments on this inaccurate account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion, XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX XXXX credit bureau. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting inaccurate information across my TransUnion, XXXX, and XXXX XXXX credit bureaus. I would like all the late payments on this inaccurate account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion, XXXX, and XXXX XXXX credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion, XXXX, and XXXX consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion, XXXX, and XXXX XXXX credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my Experian consumer credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my TransUnion, XXXX, and XXXX XXXX credit bureaus. I would like this fraudulent account removed from my credit report immediately. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my handwritten instructions.
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| 06/05/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my name is XXXX XXXX XXXX Ive reached out to XXXXTRANSUNION/XXXX dispute department, ABOUT identity theft, Ive sent papers from the US Justice Department with the case ( United States v. Defendants ) Thomas Kennedy McCormick Case Number 2018R02475 Court Docket Number 18-CR-00359 ) XXXX XXXX TRANSUNION have continue to violate multiple FCRA laws they continue to violate my federal rights under 15 US code 1692e-15, US code 1692G 15 US code 1681B and 15 US code 1681C- 2 theyve received the paperwork from the US Justice Department about the fraudulent accounts. The fraudulent inquiries that are on my consumer report theyve continued to report them they have not verified or validated they have not shown me any consumer contracts, ledgers, or payments of anything or have any sort they have not did a clear, conspicuous investigation into any of the allegations of the alleged debt XXXXTransunion/XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley Act. SEQUIUM ASSET SOLUTION date XX/XX/XXXX acct # XXXX amount {$2000.00} XXXX are in VIOLATION 15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b - Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm-leach-Bliley have sent over a state. Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile XXXX XXXX XXXX date XX/XX/XXXX acct # XXXX amount {$2000.00} XXXX XXXX XXXX Account # XXXX Date XX/XX/XXXX fraudulent amount : {$25000.00} ( FRAUDULENT INQUIRIES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX have sent over a state.
Attorney Generals report a FTC complaint a XXXX complaint a California consumer protection and innovation complaint about the accounts that are reporting on my consumer profile. They stated in my last complaint here with the CFPB that they removed these accounts. That is not the case in the accounts continue to report fraudulently on my consumer profile Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. 15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : First & Last Name 2. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these utdated ddresses and update the address with the one above.also Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC S1681 and all its subsections all Unauthorized inquiries to my consumer report ; demand for Deletion and {$1000.00} Settlement. yes, these are the associated accounts. You are in violation of the Fair Credit Reporting Act ( " FCRA '' ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my XXXX '' TransUnion '' XXXX consumer report without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA ] and its guidelines for permissible purpose. " A person shall not use or obtain a consumer report for any purpose unless ; 1. The consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section. 2. The purpose is certified in accordance with section 1681b ( f ). Chester v. Purvis, 260 F. Sup 2d 711 ( S.D. Ind. 2003 ). 15 USC S16816 ( c Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 1681g ( a ) ( 5 ) -of this title, a consumer reporting agency shall not furnish to any _person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer This is also a cease and desist of, the fraudulent accounts to being reported and any reporting is as such as collection activities. I am aware that my ( SSN ) belongs to the ( SSA ) Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with ( 18 U.S.C 8 ) and being that you ( XXXXTRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX /furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX/TRANSUNION/
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| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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AFFIDAVIT OF TRUTH I, XXXX XXXX, a consumer a natural person of age and competent to testify, state as follows based on my own personal knowledge : TRANSUNION STATED THEY INVESTEGATED AND RESULTS WERE VERIFIED. TRANSUNION FAILED TO PROVIDE PROOF OF WHO THEY INVESTIGATED PURSUANT TO FEDERAL LAW 15 USC 1681a ( e ) I am XXXX XXXX XXXX a consumer, a natural person pursuant to Federal Law 15 USC 1692a ( 3 ).
( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt.
I am XXXX XXXX XXXX a consumer, a natural person the ORIGINATOR The ( Original Creditor ) pursuant to Federal Law 15 USC 1602g.
Consumer XXXX XXXX XXXX a natural person requested an investigative consumer report and if they ( TRANSUNION ) investigated individuals, I request that TRANSUNION MUST provide Documentary Evidence or PROOF of who they ( TRANSUNION ) interviewed and if they ( TRANSUNION ) interviewed individuals it should NOT include facts pursuant to Federal Law 15 USC 1681a ( e ).
Transunion stated that they did an investigation, and the results were VERIFIED AND UPDATED. Transunion have FAILED to provide under penalty of perjury documentary evidence, facts, or PROOF of who they interviewed to authenticate their investigation as VERIFIED and if they interviewed individuals, it should NOT include facts pursuant to Federal Law 15 USC 1681a ( e ) ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
Pursuant to 15 USC 1681b ( e ) ( 1 ) ( e ) ELECTION OF CONSUMER TO BE EXCLUDED FROM LISTS ( 1 ) IN GENERAL A consumer may elect to have the consumers name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.
I am demanding each account listed below removed or delete from my consumer report pursuant to Pursuant to Federal Law 15 USC 1681b ( a ) ( 2 ) ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
XXXX XXXX XXXX a consumer a natural person did NOT consent to or give express written permission to furnish these accounts on my consumer report.
I am demanding deletion of entire accounts listed below : 1. XXXX XXXX XXXX- Remove or delete this account from my consumer report.
2. XXXX XXXX- Remove or delete this account from my consumer report.
3. XXXX XXXX XXXX- Remove or delete this account from my consumer report.
4. DEPT OF ED/XXXX- Remove or delete this account from my consumer report.
5. XXXX Remove or delete this account from my consumer report.
6. US DEPARTMENT OF ED- Remove or delete this account from my consumer report 7. XXXX XXXX XXXX- Remove or delete this account from my consumer report 8. XXXX- Remove or delete this account from my consumer report 9. XXXX XXXX XXXX- Remove or delete this account from my consumer report Transunion have violated my consumers rights and will be liable pursuant to Federal Law 15 USC 1681n- Civil liability for willful noncompliance ( a ) IN GENERAL Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
( b ) CIVIL LIABILITY FOR KNOWING NONCOMPLIANCE Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Transunion have violated my consumers rights and will be liable pursuant to Federal Law 15 USC 1681o - Civil liability for negligent noncompliance ( a ) IN GENERAL Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
Failure to respond within 30 days may result in Federal legal action against corporation ( TRANSUNION ). I would be seeking a minimum of {$1000.00} in damages per violation or what court deems reasonable pursuant to Federal Law 15 USC 1681 for : - Defamation - Negligent Enablement of Identity Fraud - Violation of the Fair Credit Reporting Act Pursuant to Federal Law 15 USC 1681 ( a ) ( 1 ) ( 4 ) - Violation of the Fair Credit Report Act Pursuant to Federal Law 15 USC 1681 ( a ) ( 2 ) Copy to : Consumer Response Center Federal Trade Commission Washington, D.C. XXXX Consumer Financial Protection Bureau Attorney Generals Office XXXX XXXX XXXX Regards, XXXX XXXX a Natural Person
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| 05/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This is a not a duplicate complaint and I'm not using any third party for this matter. I have sent my dispute regarding these accounts bellow but Credit Bureau didn't even started to open investigation, I have had called the a numerous times, no result, I been told that they didn't open an investigation. I know my rights very well. The accounts that are being disputed, do not belong to me. These misstatements are punishable as perjury under 18 U.S.C. 1621. The trade lines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened this account and made transactions on this account without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts. I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to this creditor and have made them aware that this account was fraudulently opened, and they have known this for several months. Therefore, I have come to you to resolve these issues. According to the FAIR CREDIT REPORTING ACT FCRA 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy. Reinvestigations of Disputed Information 1. Reinvestigation Required ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681-1681y, imposes responsibilities on all persons who furnish information to consumer reporting agencies ( CRAs ). These responsibilities are found in Section 623 of the FCRA, 15 U.S.C 1681s-2. State law may impose additional requirements on furnishers. All furnishers of information to CRAs should become familiar with the applicable laws and may want to consult with their counsel to ensure that they are in compliance. Section 623 imposes the following duties upon furnishers : Accuracy Guidelines The FCRA requires furnishers to comply with federal guidelines and regulations dealing with the accuracy of information provided to CRAs by furnishers. Federal regulations and guidelines are available at www.consumerfinance.gov/learnmore. Section 623 ( e ). General Prohibition on Reporting Inaccurate Information The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Duty to Correct and Update Information If at any time a person who regularly and in the ordinary course of business furnishes information to one or more CRAs determines that the information provided is not complete or accurate, the furnisher must promptly provide complete and accurate information to the CRA. In addition, the furnisher must notify all CRAs that received the information of any corrections, and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ). Duties After Notice of Dispute from Consumer If a consumer notifies a furnisher, at an address specified for the furnisher for such notices, that specific information is inaccurate, and the information is, in fact, inaccurate, the furnisher must thereafter report the correct information to CRAs. Section 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ). All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each CRA of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any : furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher many not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality 15 USC 1681. Account name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knowns or has reasonable causes to believe that the information is inaccurate. I have included all supportive documents for this matter : FTC, SSN, Driver License, copy of proof of address. And I'm excepting from you to remove this account immediately.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am doing complain by myself and total responsible for this. I am requesting that you immediately delete information off of my credit report that isnt mine. I listed all accounts in Identity Theft. After investigation I found out that all of this account were opened not by me. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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| 08/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX, of full age, certifies and says: 1. I am the FORMER co-signer in the within matter. As such, I am fully familiar with the matter herein to make within the complaint department in support of the individual’s request to enter a formal complaint through The Consumer Financial Protection Bureau against XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX (XXXX) XXXX and TransUnion. 2. On or aroundXX/XX/XXXX through XX/XX/XXXX I had received an email notification through XXXX XXXX, Trans Union and XXXX that the account for a XXXX XXXX was CLOSED. (account number XXXX where XXXX XXXX (XXXX) XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX, was the primary and I was the co-signer)3. This said account was reported as CLOSED removed from my credit score as stating that it was paid off in full and that there was a $XXXX balance. 4. Following the aforesaid, another email was sent stating that the account was finalized on XX/XX/XXXX. This information was also confirmed with a XXXX customer service rep. 5. Without my knowledge or any paperwork from XXXX XXXX, the account was reopened stating that there was a $XXXX balance and is showing up as a “car loan” on my Trans Union credit score only, thus dropping my score 8 points stating that it was a missed payment. My information was reused and submitted by XXXX XXXX XXXX in XXXX XXXX. NJ and XXXX XXXX without my consent and the loan was reopened on or around XX/XX/XXXX now saying, “payment pending”. 6. On or around XX/XX/XXXX, I had called XXXX XXXX and spoke to a customer service rep named XXXX, who proceeded to tell me that what happened was “none of my business and that there was a balance on the old loan.” 7. Following the aforesaid, I asked how XXXX XXXX was allowed to terminate the lease early without my knowledge and drive off of the dealership lot with a new car without having paid this said balance of $XXXX for two months or negotiating it into the cost of her new loan, but to no avail.8. In furtherance of the above, it is quite obvious that XXXX XXXX made some kind of “deal” in order to obtain and lease or refinance a vehicle, again without my knowledge. 9. As such, on or around XX/XX/XXXX I contacted XXXX XXXX where she clearly said that it was for over mileage and nothing more. 10. Thereafter, I was told by XXXX, the XXXX customer service rep, that the car was already sold at auction but they got less than the asking price, so that balance of $XXXX must be paid.11. In furtherance of the above, I had told XXXX that I knew nothing about this, but he went straight to making a threat about my responsibility for paying this said balance in full or I would be put into collections and any missed payments would show on my credit report.12. Moreover, I continued to ask who is going into collections , why I was NEVER notified of any of these dealings and why I have not received a single document about the termination of the loan or how I am responsible for this balance owed, again to no avail. 13. In furtherance of the above, I was told that I don’t have any right to know anything, but I am being threatened with collections and now this balance has reappeared on my Trans Union credit statement as a “car loan” after it had been officially CLOSED on XX/XX/XXXX. 14. On or aroundXX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Agency letting them know that the loan was closed, removed from my credit reports, then re-opened using my personal information without my knowledge, without my consent and mostly without any written documentation.15. Moreover, I filed a dispute with TransUnion who is claiming that the account is closed, but it is still showing up on my credit report. 16. Moreover, XXXX XXXX and their authorized dealership worked out a deal with XXXX XXXX about the vehicle but made a mistake by misjudging what it would sell for at auction. 17. I asked that XXXX XXXX send me this paperwork about the closed account and why it was re-opened, but to no avail. 18. I again filed a dispute with Trans Union to have this balance removed from my credit report, but to no avail as it is still showing up on my credit report.19. XXXX XXXX has a habit of refusing to notify people of any type of changes to their accounts for months or not at all, but expects full responsibility for payments in full and will resort to threats or extortion of funds and claims that they are “unaware” of anything. 20. I have suffered significant anxiety, emotional strain and a major hit to my credit score as a result of the mentioned parties aforesaid actions. 21. The mentioned party will make an attempt to strong-arm me for payment instead, put me in collections or put a missed payment on my credit report as a sick, twisted way to manipulate me. 22. I attempted to contact all mentioned parties to inform me or help my settle this issue, but to my detriment I have been significantly harmed as a result of same. 23. XXXX XXXX responded to my original complaint to CFPB but completely avoided the issue at hand and simply regurgitated information from the XXXX lease, thus never answering as to how closing and account, removing it from my credit statement, then putting it back as they see fit , claiming to have no knowledge of what’s going on.24. As such and as a result of the above, I want the XXXX XXXX account removed completely from all of my credit reports effective immediately. Thus I am seeking to file a complaint against all parties for lack of performance in handling this matter to which they are liable and for threatening collections or a financial lien against me, as this situation was completely out of my control and negotiations were made without my knowledge or consent.24. XXXX XXXX and their authorized dealerships should be fined for fraudulently reusing my information without my consent to re-open an account that was already closed and removed from my credit history. 25. In furtherance of the above, XXXX XXXX is making it seem as if I am the only person on the loan, as only my information is showing up on the bill for payment. I certify that the foregoing statements made by me are true. I am aware that if any of the foregoing statements made by me are willfully false, I am subject to punishment. XXXX XXXX XXXX ALL DOCUMENTS ARE ATTACHED
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| 12/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
In accordance with the fair credit reporting act XXXX accounts, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.
This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : 1. The following personal information is incorrect Account Number : Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX IL XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX Date of inquiry : XX/XX/2021 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 6. Violation to my rights 15 U.S.C 1681 ( a ) ( 4 ) violation XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 7. 15 U.S. Code 1681b - Permissible purposes of consumer reports XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 8. 15 U.S. Code 1605 - Determination of finance charge XXXX XXXX XXXX Account Number : XXXX The finance charge shall not include fees and amounts imposed by third party closing agents ( Including settlement agents, attorneys, and escrow and title companies ) if the creditor does not require the imposition of the charges or the services provided and does not retain the charges.
In addition, please remove all non-account holding inquires over 30 days old. Also, please add a promotional suppression to my credit file.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
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| 04/04/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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Hello, I am writing to file a final dispute regarding a creditor 's inaccurate reporting on my credit report. The creditor in question is XXXX, account number XXXX.
According to my credit report from TransUnion and XXXX, there are discrepancies in the reported monthly payments, date opened, balance, and past due date. Additionally, XXXX has reported me as being late on a payment, despite me never receiving any notification from them or missing any payments on this account.
These inaccuracies have had a significant impact on my life. Due to the negative marks on my credit report, I have been denied credit, charged higher interest rates, and even lost job opportunities. It has been an emotionally taxing experience that has caused me a great deal of stress and XXXX.
I believe that XXXX has violated several laws, including the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACT ACT ) by failing to provide accurate information to credit reporting agencies and not following reasonable procedures to ensure the maximum accuracy of my consumer report. Additionally, they failed to conduct a reasonable investigation of my dispute and notify credit reporting agencies of my dispute as required by law. Specifically, I have identified several violations of the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACT ACT ). The following violations were found with regards to my account with XXXX XXXX ( Account Number : XXXX ) : Violation of FCRA Section 607 ( b ) : The information provided to the credit reporting agencies by XXXX XXXX was inaccurate and incomplete, as the reported account type, account status, number of months/terms, and last reported date were inconsistent across TransUnion, XXXX XXXX and XXXX reports.
Violation of FCRA Section 611 ( a ) ( 1 ) : The credit reporting agencies failed to follow reasonable procedures to ensure maximum accuracy of consumer reports, as evidenced by the discrepancies in reporting by TransUnion, XXXX, and XXXX.
Violation of FCRA Section 623 ( a ) ( 1 ) ( A ) : The credit reporting agencies failed to conduct a reasonable reinvestigation of the disputed information, as the discrepancies were not resolved despite my requests for investigation.
Violation of FCRA Section 623 ( b ) ( 1 ) : The credit reporting agencies failed to promptly modify or delete inaccurate or incomplete information, as the discrepancies remain on my credit report.
Violation of FACT ACT Section 312 ( a ) ( 1 ) : XXXX XXXX failed to provide notice to me of their intention to report negative information to the credit reporting agencies.
Violation of FACT ACT Section 312 ( b ) : XXXX XXXX failed to notify the credit reporting agencies of my dispute regarding the inaccurate information.
Violation of FACT ACT Section 312 ( c ) : XXXX XXXX failed to conduct a reasonable investigation of my dispute, as the inaccuracies remain on my credit report.
In addition, XXXX XXXX may have also violated the Truth in Lending Act ( TILA ) Section 166 ( a ) ( 2 ) by failing to correct the billing errors within a specified time frame.
XXXX XXXX on my credit report. The details of the discrepancies are as follows : According to XXXX, the account type is a charge account, but XXXX is not reporting it. Additionally, XXXX is reporting a high credit balance of {$0.00}, while XXXX is reporting {$6500.00}. Furthermore, XXXX is reporting a credit limit of {$6500.00}, while XXXX is reporting {$0.00}. Lastly, XXXX is reporting the last reported date as XX/XX/XXXX, while XXXX is reporting XX/XX/XXXX.
These discrepancies have had a significant impact on my life, and I am deeply concerned about the accuracy and integrity of my credit report. As a result of these inaccuracies, my ability to obtain credit has been severely affected. I have been denied credit opportunities, higher interest rates, and insurance premiums, which have resulted in financial difficulties for me.
It is my understanding that XXXX has violated the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( b ) by failing to provide accurate information to credit reporting agencies, and Section 611 ( a ) ( 1 ) by failing to follow reasonable procedures to ensure maximum accuracy of consumer reports. Additionally, Section 623 ( a ) ( 1 ) ( A ) requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information, and Section 623 ( b ) ( 1 ) requires them to promptly modify or delete inaccurate or incomplete information.
Furthermore, the Fair and Accurate Credit Transactions Act ( FACT ACT ) mandates that furnishers of information must notify credit reporting agencies of the consumer 's dispute, as outlined in Section 312 ( b ), and conduct a reasonable investigation of the dispute, as outlined in Section 312 ( c ). If XXXX provided inaccurate information, they may also have violated the Truth in Lending Act ( TILA ), Section 166 ( a ) ( XXXX ), which requires creditors to correct billing errors within a specified time frame.
XXXX under account number XXXX. According to XXXX, the payment status for this account is charge off, but I have never received any notification or paperwork from XXXX regarding this charge off account. Additionally, the other two bureaus have not reported any negative information on my account.
These inaccuracies have had a significant impact on my life. I have been trying to secure a loan to start a small business, but my credit score has been severely impacted by these inaccuracies, making it nearly impossible to obtain the necessary funding. This has caused a great deal of stress and financial strain, as my business venture is now at a standstill.
I believe XXXX has violated several sections of the Fair Credit Reporting Act, including Sections 607 ( b ), 611 ( a ) ( 1 ), 623 ( a ) ( 1 ) ( A ), and 623 ( b ) ( 1 ). Furthermore, if XXXX provided inaccurate information or failed to correct inaccurate information, they may have also violated Section 166 ( a ) ( 2 ) of the Truth in Lending Act.
I am asking that you enforce the legal requirements under the FCRA and TILA to ensure that all inaccurate and unverified information is removed from my credit report. This will not only help me secure the necessary funding to start my business, but it will also help to alleviate the stress and financial strain that I have been experiencing.
Thank you for your attention to this matter. I look forward to hearing back from you soon.
Sincerely, XXXX XXXX
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| 10/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I wrote this to XXXX and it explains what happened with my student loans and credit score. They have ignored this and all of my phone calls to fix my credit score. There are pictures of my accounts attached to this but I am not sure if they will work or not. If you would like the original letter, I can provide that.
The password to the document is XXXX Hello, my name is XXXX XXXX. I was previously a student at the University of XXXX in Ohio. I started in XXXX with the hopes of getting a college degree so that I could join the professional workforce. I chose to get federal student loans from your company, XXXX, because it was the most financially responsible decision to make for myself.
Fast forward a few years and after being told over and over and over that you have 6 months after you graduate to start paying on your loans because sometimes it takes time to find a job after you graduate. This brings me to my current issue ; since I was being told this over and over and over, I thought I would not have to pay on my loans until 6 months after I graduated. I was still enrolled in the University because I had to complete my degree in XXXX. Due to the nature of my degree and the universitys scheduling, sometimes I was not able to attend full time. I was not going to spend more money for nonsense classes that did not pertain to my degree just to be full time. During this time, I was also working at XXXX XXXX full time and living on my own. I then got recruited by XXXX XXXX XXXX and moved to working for them full time, all while still attending school. During my last semester at the University of XXXX ( fall XXXX ), I was getting contacted by XXXX that my student loans were due. I was confused because I still had not even graduated yet.
After being harassed for money even though I was still taking loans out to continue my education, I unfortunately was laid off from my job at XXXX XXXX XXXX in XXXX of XXXX. I was again contacted by someone from XXXX requesting that I pay towards my loans. I told them that I was still in school and was not able to pay at all currently because I had been unemployed. The employee then explained to me I could do some sort of income driven program and that it would be good for 6 months until after I graduated. I talked to a student advisor from the University of XXXX and they said that it is true, I have 6 months after I graduate from the University of XXXX to pay off my student loans. Again, this was weird because XXXX had on record that I was no longer attending the University of XXXX according to an employee of XXXX. Nonetheless, I submitted the forms necessary for the IDR plan at XXXX in XXXX of XXXX.
I had not heard back from XXXX for a while, so I assumed all was fine with my standing on my loan repayment. I then graduated in XXXX of XXXX from the University XXXX XXXX with a XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. All was well for me because I started a new job in XXXX and was looking to start my professional career out in the world and be able to enjoy my life. Then one day in XXXX I got an email saying, your loans are 120 days overdue which was weird because I had 6 months after I graduated to pay them. This meant I had to start paying in XXXX and I even logged into my account and created an auto-pay function so that I would not have to worry about signing in every month and doing it manually. After deciphering the email saying I was behind, I gladly paid the overdue loans off for all the subsequent months that I had missed.
This is when it takes a massive turn for me personally. I had no problem paying that massive amount off and I figured that there may have been some miscommunication somewhere throughout the 6 years I attended college. But then I get a statement about my personal credit info ; I had been hit with a XXXX days late on all my loans. Since they are all separate for some reason, it showed that I was that late on all accounts. This destroyed my credit. I went from in the mid XXXX down to below XXXX. That is extremely detrimental to someone who just started making a good living and is looking to buy a car, purchase a home, and contribute to the United States economy.
Now that the story has been told from my end I can get to the issue. I am writing this because that is what your website told me to do : As you can see, I believe this is some sort of error on my credit account. I called XXXX as soon as I found out about the destructive credit hit and the young man on the phone told me there is nothing I can do to help, just pay on your loans and your credit will go up. I believed him and it has been a few months of me paying on my loans on early every single month. Turns out that my credit has not moved and went down some. I have never had a single issue with paying any sort of loans, credit cards, or other payment options off and my profile shows that.
I am asking someone to do the right thing in this case. Regardless of the issues that happened in the beginning of my loan repayment process, please take a look at my account and you will see that I paid off that massive balance that said I was late and that I pay on my loans every single month. I called into XXXX and spoke to someone about this and was given no positive reassurance that something may be done. They told me they can not get rid of this mark for some reason, but XXXX is the one that told the credit report companies that I did not pay off in time. Due to this report on my credit, I am unable to apply for a mortgage on a home with a reasonable interest rate, apply for a loan on a car now that I have a steady and livable income, and I also can not just enjoy my life with this disgusting derogatory mark on my name.
I will provide documentation of most of what I am referring to previously. Also, I went through a name change during my first year of college and XXXX still has my old last name on file and will not let me change it. Old name : XXXX XXXX. New name : XXXX XXXX. Navient account number : XXXX. Home address : XXXX XXXX XXXX XXXX, Ohio XXXX. Cell number : XXXX XXXX XXXX or XXXX XXXX XXXX.
If any more information is needed in regard to this manner, please reach out to me via email or phone call. My emails are XXXX, XXXX, XXXX, or XXXX I can be reached at any of those. I understand that XXXX can not change my credit score, but you can provide a courtesy retraction to consumer reporting agencies :
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| 12/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights.
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
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| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXXXXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX, CA XXXX XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX
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| 01/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XXXX XXXX XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX, XX/XX/XXXX put in a complaint with the CFPB # XXXX where you responded that you would investigate and sent another dispute on XX/XX/XXXX with the next being XX/XX/XXXX with no responses given from you and still now on XX/XX/XXXX do not have a response and check the items online and still nothing has been done The date of last payment On TransUnion shows XX/XX/XXXX with no payment amount shown but XXXX shows XX/XX/XXXX. How can this be accurate when it is being reported from the same creditor. In your report it shows that it was updated on XX/XX/XXXX which clearly no investigation has been but the remarks show that the account was disputed and resolved but there was not an update done. Your Loan type shows flexible spending credit card and XXXX shows Credit card.
Where are the results of your investigation if it was investigated if you have the same date of investigation but now different remarks on the report I pulled from TransUnion? I would like to see the verification that was sent to you from XXXX XXXX about this investigation XXXX XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX, XX/XX/XXXX put in a complaint with the CFPB # XXXX where you responded that you would investigate and sent another dispute on XX/XX/XXXX with the next being XX/XX/XXXX with no responses given from you and still now on XX/XX/XXXX do not have a response and check the items online and still nothing has been done The date of last payment On TransUnion had XX/XX/XXXX with a date reported of XX/XX/XXXX but now you have it as XX/XX/XXXX on your online report with a date updated XX/XX/XXXX but XXXX has a date of last payment of XX/XX/XXXX. How can your investigation change the updated date to XX/XX/XXXX when you would have updated it now. There are no disputed notes on this account as well which clearly indicates there has been no investigation done which is a violation for my FCRA rights when clearly there are inaccuracies on my report and you have failed to properly investigate or respond to me.
I would like to see the verification that was sent to you from XXXX about this investigation XXXX XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX, XX/XX/XXXX put in a complaint with the CFPB # XXXX where you responded that you would investigate and sent another dispute on XX/XX/XXXX with the next being XX/XX/XXXX with no responses given from you and still now on XX/XX/XXXX do not have a response and check the items online and still nothing has been done The date of last payment On TransUnion shows XX/XX/XXXX but in the payment history it shows OK XX/XX/XXXX thru XX/XX/XXXX and as I have told you XXXX shows XX/XX/XXXX. Still do not see any disputed notes on this account since bring this to your attention and also you have the date updated of XX/XX/XXXX which how can this account be updated on XX/XX/XXXX when the date do of last payment was done on XX/XX/XXXX on your report and the payment history not showing it was 30 days late until XX/XX/XXXX with a date closed of XX/XX/XXXX.
This account is inaccurate and needs to be removed immediately BANKRUPTCY XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX 60 days no response and another XX/XX/XXXX no response 90 days This account is still questionable with the Reference # XXXX on TransUnion with a file date of XX/XX/XXXX and XXXX showing XXXX with a file date XX/XX/XXXX. I have also requested a report from XXXX and the information they provide me also has a different information than what TransUnion has which I am also disputing with them as well. XXXX removed this account on XX/XX/XXXX but is still showing on my TransUnion and XXXX reports. Again no information of their true investigation has been provided or the actual report that was provided to them from XXXX has been provided. They have a different address and different court on their file. So how is this information been investigated as correct.
XXXX XXXX Sent a dispute on XX/XX/XXXX, XX/XX/XXXX follow up with no response, XX/XX/XXXX 60 days no response and another XX/XX/XXXX no response 90 days This account does not belong to me and also has disputed it with XXXX which has not provided me with the proper documentation to show their right to owe this debt or a date of first delinquency, verified how they came up with this balance or any documentation showing I actually own this debt. XXXX only provided me with a simple response with bill statements as described below : Statement with a due date XX/XX/XXXX with a balance {$1600.00} ( payment {$27.00} XX/XX/XXXX ) Statement with a due date XX/XX/XXXX balance {$2000.00} ( payment {$39.00} XX/XX/XXXX ) Statement with a due date XX/XX/XXXX balance {$2100.00} ( payment {$64.00} XX/XX/XXXX ) Statement with a due date XX/XX/XXXX balance {$2300.00} ( payment {$75.00} XX/XX/XXXX ) - missing statement with due dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Then jumps to Statement with a due date XX/XX/XXXX balance {$3000.00} Statement with a due date XX/XX/XXXX {$3100.00} You have failed to provide me with any response about this account 's validity and also XXXX has failed to respond as well and asked you to remove this unverified account immediately. They have not provided me with the copy of the initial validation notice or even provided me with any documentation from the original creditor showing that it was sold to them and for what amount.
There is no date of first delinquency and but have a date updated on XX/XX/XXXX on the report I just pulled from Transunion and continue to reage this debt causing my score to continue me harmed by should it as a new collection account. The date last active on my credit pulled on XXXX shows XX/XX/XXXX. This should reflect the FCRA complaint date also known as the date of first delinquency which you do not have on your reports or XXXX has provided to me which is a violation. Which should always be the date of the first 30 days late - the date of the first delinquency with the original creditor that led to the account being placed for collection or sold.
Also all my address are inaccurate. I sent that in with the dispute on XX/XX/XXXX and still doesn't even have my correction address on file. None of the address on my account are correct.
Your error keep causing my scores to drop every month and no one is looking at this issues at all
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| 10/31/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX Ct XXXX, SC XXXX XXXX : XXXX SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC Attorney Generals Office in your state and Mine Thank you, XXXX XXXX
|
| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and damaging my credit score, in accordance with the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report, I have found several negative items that are incorrect, and I kindly request that you remove them from my credit report as soon as possible.
Under the FCRA, it is your responsibility to ensure that the information on my credit report is accurate and up-to-date. The following are the inaccurate negative items on my credit report that I am disputing : XXXX XXXX - Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX XXXX - Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay, in accordance with the FCRA.
XXXX XXXX - Account Number : XXXX I have no record of this account belonging to me. Therefore, I request that you remove this inaccurate information from my credit report without any delay, as required by the FCRA.
The following personal information is incorrect : Account Number : XXXX, XXXXXXXX XXXX- This name belongs to someone else. Please remove it from my credit report immediately, as required by the FCRA.
The following personal information is incorrect : Account Number : XXXX, XXXX, XXXX- This name belongs to someone else. Please remove it from my credit report immediately, in accordance with the FCRA.
The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, WA XXXX XX/XX/XXXX - This address belongs to someone else. Please remove it from my credit report immediately, as required by the FCRA.
The following personal information is incorrect : Account Number : XXXX XXXX XXXX XXXX XXXX, OR XXXX - This address belongs to someone else. Please remove it from my credit report immediately, in accordance with the FCRA.
The following personal information is incorrect : Account Number : XXXX - This name belongs to someone else. Please remove it from my credit report immediately, as required by the FCRA.
The following personal information is incorrect : Account Number : XXXX XXXX - This name belongs to someone else. Please remove it from my credit report immediately, in accordance with the FCRA.
XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXXXXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP, as required by the FCRA.
XXXX XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely, as required by the FCRA.
XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely, in accordance with the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as required by the FCRA.
XXXX XXXX - Date of inquiry : XX/XX/XXXX The inquiries related to this account have reached the statute of limitation and should be removed from my credit report, as mandated by the FCRA.
XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP, as required by the FCRA.
XXXX - Account Number : XXXX Please verify the payment status, balance, comments, payment history, and account number, as they might be incorrect. Fix or delete this account from my report completely, in accordance with the FCRA.
XXXX XXXX - Account Number : XXXX I can not recognize this business, and I kindly request that you investigate to make sure this account belongs to me. Please delete this account from my credit report, as required by the FCRA.
I have attached a copy of my credit report, highlighting the incorrect information. Please investigate these inaccuracies as soon as possible and update my credit report accordingly. As mandated by the FCRA, I expect to receive a written response from you within 30 days of receipt of this letter.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
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| 01/04/2024 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am writing to bring to your attention certain inaccuracies on my consumer report. I have recently reviewed the report provided by the credit reporting agencies and identified errors related to credit card utilization and late payments. I believe these inaccuracies are adversely affecting my credit score. Per the Fair Credit Reporting Act '' 15 USC 1681 section 602 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. 15 USC 1681 ( a ) ( 4 ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 15 U.S.C 1681a ( 2 ) ( A ) ( i ) states The term consumer report does not include ANY report containing information solely as to transactions or experiences between the consumer and the person making the report. 15 USC 1681b ( a ) ( 2 ) states Any consumer reporting agency may furnish a consumer report under the following circumstances and no other in accordance with the written instructions of the consumer to whom it relates. 15 USC 1666b ( a ) states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. The Financial Institutions { XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX ) XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX etc. } and the Consumer Reporting Agencies XXXX, XXXX, & Transunion do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. { XXXX XXXX, XXXX, XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX etc. never informed me of my right to exercise my nondisclosure option. These accounts are reporting adverse items without my permission which is against the law. 15 USC 1681e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Also 12 CFR 1016.7 states that A consumer may exercise the right to opt-out at any time. My terms and conditions on my contracts state clearly that these companies will not report non-public personal information to non-affiliated third parties. I also discovered charge offs on my consumer report. According to the I.R.S. Publication and laws charge offs are considered a certificate of indebtedness which is considered income and income can not be reported on my consumer report pursuant to 26 U.S. Code 61 / 26 C.F.R. 1.643/ 20 C.F.R 211.2. PRIVACY ACT OF 1974 ( 5 U.S. CODE 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual. ( b ) Conditions of disclosure -- - No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains. As a bona fide purchaser acting in good faith I am giving you an opportunity to correct said mistakes and have all my accounts updated to paid as agreed under an open end consumer credit plan pertaining to 15 U.S. Code 1666 ( b ) Timing of Payments. All accounts should also be updated with proper utilization pertaining to 15 U.S Code 1681a ( 2 ) ( A ) ( i ) the term consumer report does not include anyreport containing information solely as to transactions or experiences between the consumer and the person making the report. REMOVE ALL LATE PAYMENTS - 15 U.S. CODE 1666b REMOVE ALL INACCURATE INFORMATION RELATING TO TRANSACTIONS AND EXPERIENCES - 15 U.S. CODE 1681a ( 2 ) ( A ) ( i ). 15 U.S. CODE 1681e ( b ) - Accuracy of Report 15 U.S. CODE 1681n - Civil Liability for willful noncompliance. 12 C.F.R. 1022.3 - Definitions 15 U.S. CODE 1681 c-2 - Block of Information resulting from Identity Theft. 15 U.S. CODE 1681o - Civil Liability for negligent noncompliance. 15 U.S. CODE 1681s-2 Responsibilities of furnishers of information to Consumer Reporting Agencies . PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ). 12 C.F.R 1016.1 - Purpose and Scope. 12 C.F.R 1016.4 Initial privacy notice to consumers required. 12 C.F.R. 1016.7 Form of opt out notice to consumers ; opt out methods. 15 U.S. CODE 6802 - Obligations with respect to disclosures of personal information. XXXX XXXX XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX # XXXX ; DEPT OF EDUCATION/XXXX XXXX # XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Collections XXXX XXXX XXXX {$1900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1900.00} High Balance {$1900.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1200.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1200.00} High Balance {$1200.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1800.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1800.00} High Balance {$1800.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1900.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1900.00} High Balance {$1900.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$680.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$680.00} High Balance {$680.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1400.00} High Balance {$1400.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$950.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$950.00} High Balance {$950.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$1100.00} High Balance {$1100.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$490.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$490.00} High Balance {$490.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$520.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$520.00} High Balance {$520.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$450.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$450.00} High Balance {$450.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$490.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$490.00} High Balance {$490.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$560.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$560.00} High Balance {$560.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$490.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$490.00} High Balance {$490.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$690.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$690.00} High Balance {$690.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$180.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$180.00} High Balance {$180.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX. XXXX XXXX, XXXX {$860.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX. XXXX XXXX, XXXX XXXX Creditor XXXX AT XXXX XXXX TX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$860.00} High Balance {$810.00} Remarks Consumer disputes this account information Creditor Contact Details XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$450.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Account.
Balance {$450.00} High Balance {$450.00} Remarks Medical Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX all hippa and ftc violations
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| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In relation to ID XXXX regarding XXXX XXXX XXXX XXXX XXXX XXXX CFPB proposed a question as to what would be a fair resolution to this issue? My response, A fair resolution to this issue would be to request that TransUnion and XXXX please " remove '' the negative collection agency ( XXXX XXXX XXXX XXXX XXXX ), from my credit reporting profile so that my FICO score can return to its original state due to XXXX XXXX XXXX XXXX XXXX, being paid in full.
Now that we have received a response from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), on XX/XX/2022, informing us that any credit reporting XXXX provided on behalf of the creditor has been deleted accordingly. The deletion has been confirmed, I would like to move forward with submitting an additional complaint to the CFPB regarding the credit reporting bureau, TransUnion. During my most recent telephone correspondence with a TransUnion Supervisor, by the name of XXXX, he ( XXXX ) informed me that collections remain on ones credit report for XXXX years, unless I as the consumer receive notification from the collections company XXXX XXXX XXXX XXXX XXXX XXXX ), requesting that the negative report be removed ( deleted ) from the consumer 's credit profile. Therefore, considering that the third-party collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX erroneously placed negative information on my personal credit profile, without notifying me and allowing proper time for me to respond to the negative information being reported by the Creditor, I am requesting that TransUnion please XXXX remove '' the negative collection agency XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX from my credit reporting profile BEFORE a seven-year removal of the erroneous credit reporting can take place so that my FICO score can return to its original state.
The collections supervisor ( XXXX XXXX XXXX XXXX XXXX ) informed me that they would report the balance as paid ; however, to have the collections removed from my credit report, I would need to speak to someone within the Credit Bureaus ( XXXX/TransUnion/XXXX ) XXXX I spoke to an XXXX representative to confirm my dispute and payment, with the ability to remove the negative reporting collections the same day. Considering XXXX was the one that notified me of the negative collection being on my credit profile, I had no idea that the negative collection information had also been reported to TransUnion and XXXX. However, TransUnion and XXXX are stating that they are merely reporting agencies, and the negative collection reporting has to stay on your credit report for seven years although the payment has been updated to paid in full with a zero balance. I find this to be false information. If XXXX was able to remove it from the credit report the same day after showing that the payment in full was made to the third-party collection agency, TransUnion and XXXX possess these same capabilities. No ones FICO credit score should be reduced by over XXXX points due to an erroneous collections charge in the amount of only {$100.00}, due to the creditor ( XXXX ), not following up per the documented conversation to receive the remainder of payment by phone. Allowing creditors, third-party collection companies, and credit reporting bureaus to place negative erroneous information on a person 's credit file that is utilized to weigh an individuals credibility to make life-saving decisions, must stop immediately. The point of filing a dispute with the credit bureaus XXXX TransUnion and XXXX ), is to have the negative erroneous reporting from the collections REMOVED from my credit report file immediately, not to wait for seven years. If I had received the follow-up within a timely manner as promised by the XXXX representative, or proper notification from the third-party collection agency ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX that is when I could have provided the additional payment information and resolved this matter prior to reporting erroneous information to the third-party collections, and placing this error onto my credit profile. It must stop with allowing creditors, third-party collection companies, and credit reporting bureaus to submit a charge to your credit profile, then tell you it must stay on your credit report for seven years before it can be removed. UNACCEPTABLE. I am reaching out to the Consumer Financial Protection Bureau ( CFPB ) requesting your kind assistance to further investigate this matter and to provide additional knowledge and instructions for having TransUnion and XXXX remove the negative paid in full third party collections account ( XXXX XXXX XXXX XXXX XXXX ), from my credit report due to it is hurting my FICO credit score and causing emotional distress if I am unable to provide for my family because every business venture and creditor review what is reported to the three major credit bureaus to determine one 's creditability. On Thursday, XX/XX/XXXX, XXXX the Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, responded to CFPB XXXX ID No. : ID XXXX, stating that on XX/XX/2022, XXXX ( XXXX ) placed an account with us for collection or we would not have attempted to contact XXXX XXXX. XXXX wrote to and called the consumer to advise him of the account. Prior to our receipt of the complaint, XXXX had already ceased collection efforts. On XX/XX/2022, XXXX XXXX called XXXX and paid the balance in full. The companys response is proof that not only are they not able to supply documentation that they reached out to me, but the company also did not comply with The Fair Debt Collection Practices Act ( FDCPA ) allows for legal action against certain collectors, such as XXXX XXXX XXXX XXXX XXXX, that dont comply with the rules in the law. XXXX XXXX XXXX XXXX XXXX, did NOT comply with the FDCPA rules in the law. Therefore, one must be selective about what is reported to confirm the accuracy and comply with the due diligence process prior to reporting negative information to a consumers credit profile. I do hope I have provided enough detailed information to the CFPB to support this matter to assist your staff members in developing a full understanding of the dispute and reasoning for your assistance request. It is important that we take the time from our busy lifestyles and speak out when a wrong has been rendered so that no other consumer will experience such amiss. Thank you in advance for your kind assistance, and please do not hesitate to contact me if additional information is needed.
Best regards, XXXX XXXX, XXXX Email : XXXX C : ( XXXX ) XXXX
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| 01/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXXXXXX XXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX OF XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : Attorney Generals Office CC : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : Comptroller Of The Currency CC : Federal Reserve XXXX XXXX : Credit and insurance CC : Federal Trade Commission XXXX : XXXX XXXX XXXX XXXX : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 02/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized DEPT OF ED Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history XXXX be inaccurate.
XXXX. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history XXXX be inaccurate.
XXXX. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history XXXX be inaccurate.
XXXX. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history XXXX be inaccurate.
XXXX. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history XXXX be inaccurate.
XXXX. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history XXXX be inaccurate.
XXXX. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history XXXX be inaccurate.
XXXX. XXXX Account XXXX : XXXX Please review XXXX XXXX transfer dates on this account ; late history XXXX be inaccurate.
XXXX. XXXX Account XXXX : XXXX To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXXXXXX XXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXXXXXX Account Number : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX. XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 06/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal Notice of my Intent to file a Complaint with the FTC, due to your blatant disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XX/XX/XXXX, as well as a follow-up letter, dated XX/XX/XXXX. As of this moment, you have not done your duty mandated under the law. Your inaction in this matter is inexcusable, and your disregard for the law is contemptible. Rest assured, I will hold you to account.
As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. Did not consent to unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation.
XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report.
3. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
4. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
5. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
6. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
8. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.
9. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
10. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
11. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
12. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
14. The following personal information is incorrect PREVIOUS ADDRESS : XXXX MXXXX XXXX XXXX NV XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX # XXXX, CA XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the FTC. Furthermore, I intend to seek redress in civil action, for recover of damages, costs, and attorneys fees, should you continue in your deliberate obstruction of the law. For this purpose, I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Your continued delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely yours, XXXX XXXX
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| 07/01/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX furnished information of an auto loan to all 3 CRAs that contained systemic errors, In many instances, the errors should have been readily apparent because the data for the account was internally inconsistent. Moreover, Respondent received error reports from all 3 Credit reporting agency 's that described these errors in the companys data files. In addition, XXXX XXXX XXXX internal audits show that it was aware of these errors as of XXXX. Despite being on notice of these errors, XXXX XXXX XXXX continued to make them for years including XXXX - XX/XX/XXXX.
Several of XXXX XXXX XXXX errors related to its use of the Date of First Delinquency ( DOFD ) field in its furnishing data. I contacted all 3 credit reporting agency as well as XXXX XXXX XXXX and explained Section 605 ( a ) ( 5 ) of the FCRA requires that negative information such as late payments must be removed from a consumers credit report after that information is seven years old. 15 U.S.C. 1681 ( a ) ( 5 ). The date by which such information must be removed is determined by the date on which the account first became delinquentthe date of first delinquency. This provision allows me the consumer to rebuild their credit following a long period of delinquency.
I explained to XXXX XXXX XXXX through mailed letters and phone calls that they are Reporting Incorrect Date of First Delinquency in all 3 of my credit profiles between XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX furnished a DOFD during this time period, the DOFD furnished by XXXX XXXX XXXX equaled the Date of Account Information ( DOAI ) for the account. The DOAI is the date on which Respondent pulled information from its system of record each month in order to send to CRAs.
When furnishing in the Metro 2 format, furnishers like XXXX XXXX XXXX must provide the DOAI so that date is updated each month until the company stops reporting on a tradeline. Even if the DOFD did equal the DOAI at one point for a particular account, it is extremely unlikely that the DOFD would equal the DOAI for two or more months.
A CRA informed XXXX XXXX XXXX that it was reporting DOFDs that were more recent than previously reported DOFDs on derogatory accounts -- an error that could result from using the DOAI in the DOFD field. XXXX XXXX XXXX received these reports from XX/XX/XXXX through XX/XX/XXXX and again in XX/XX/XXXX and early XXXX.
when XXXX XXXX XXXX reported a DOFD that equaled the DOAI, the company also reported an account status showing a serious delinquency ( e.g., account was charged-off or at least 90 days delinquent, or the vehicle was already repossessed ). The DOAI is typically close in time to the date of furnishing because account information is ordinarily pulled for furnishing purposes shortly before it is transmitted to CRAs. By contrast, it would be extremely unusual to have a DOFD close to the date of furnishing on a seriously delinquent account.
XXXX XXXX XXXX also furnished inconsistent information regarding whether the account in question were open or closed and whether it was carrying a balance or obligated to make future payments. To the extent that the company inaccurately reported whether the account were open or closed or that i owed money that they did not actually owe, these errors have negatively impacted my credit scores and access to credit.
between XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX XXXX furnished information indicating that accounts were paid in full, charged off, along with contradictory information suggesting the tradelines were still open. The company received error reports from a CRA highlighting this inconsistency from XX/XX/XXXX through XX/XX/XXXX.
XXXX XXXX XXXX also reported that the auto loan had a current balance and simultaneously furnished contradictory information, such as also furnishing information indicating that the accounts were paid in full. The company had received error reports from a CRA since XX/XX/XXXX to XX/XX/XXXX advising of this error.
Prior to XX/XX/XXXX, Respondent did not consistently, for all its retail installment contract and lease portfolios, clearly and conspicuously specify to me an address where i could notify the company that information the company furnished was inaccurate.
Section 623 ( a ) ( 1 ) ( A ) of FCRA prohibits a furnisher from furnishing any information relating to a consumer to any CRA if it knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).
XXXX XXXX XXXX furnished my credit information to CRAs that contained inaccurate information about my credit accounts.
In many instances, XXXX XXXX XXXX knew or had reasonable cause to believe that the information was inaccurate because this information was internally inconsistent. In many other instances, the company furnished a DOFD that equaled the DOAI, which was extremely unlikely to be accurate for tradelines furnished over multiple months for multiple accounts. Moreover, the company continued to furnish this inaccurate information even after it had been notified about these types of errors by CRAs.
XXXX XXXX XXXX violated 623 ( a ) ( 1 ) ( A ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).
Section 623 ( a ) ( 2 ) of FCRA requires furnishers to promptly update and correct information they have furnished to a CRA that they determine is not complete or accurate. 15 U.S.C. 1681s-2 ( a ) ( 2 ).
As detailed above, in numerous instances from at least XX/XX/XXXX to at least XX/XX/XXXX, XXXX XXXX XXXX furnished to CRAs information relating to consumers that was not complete or accurate.
XXXX XXXX XXXX furnished information that was inconsistent with its internal account information and inaccurate. In many other instances, Respondent furnished a DOFD that equaled the DOAI, which was extremely unlikely to be accurate for tradelines furnished over multiple months for multiple accounts.
XXXX XXXX XXXX received multiple error reports from at least one CRA that allowed it to determine that the information it furnished was not complete or accurate, and Respondents internal audits showed at least one of the errors listed above.
Despite this knowledge, XXXX did not promptly update or correct the incomplete or inaccurate information it furnished. To the contrary, in many 11 cases XXXX continued reporting inconsistent information for years after being alerted to its errors.
Therefore, XXXX violated section 623 ( a ) ( 2 ) of the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 2 ).
|
| 09/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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NOTICE OF ERROR/REQUEST FOR INFORMATION Notice of error, complaints, request for information or other qualified written requests Attn : Customer Relations XXXX XXXX XXXX XXXX, TX XXXX Re : Error Resolution Notice under 12 C.F.R. 1024.35 and Complaint for Non-Responsiveness to Lienholder Mortgage Loan Number : XXXX I am writing to request correction of the error described below regarding my mortgage on the property at XXXX XXXX XXXXXXXX, XXXX, TX XXXX.
Be advised of the following : 12 C.F.R. 1024.35 ( a ) Notice of error.
A servicer shall comply with the requirements of this section for any written notice from the borrower that asserts an error and that includes the name of the borrower, information that enables the servicer to identify the borrower 's mortgage loan account, and the error the borrower believes has occurred. A notice on a payment coupon or other payment form supplied by the servicer need not be treated by the servicer as a notice of error. A qualified written request that asserts an error relating to the servicing of a mortgage loan is a notice of error for purposes of this section, and a servicer must comply with all requirements applicable to a notice of error with respect to such qualified written request.
I am requesting information to be corrected and distributed accordingly relating to the following identified issues as defined under 12 C.F.R. 1024.35 ( b ) Scope of error resolution categories : 1024.35 ( b ) ( 8 ) : Failure to transfer accurately and timely information relating to the servicing of a borrower 's mortgage loan account to a transferee servicer ; and, 1024.35 ( b ) ( 11 ) Any other error relating to the servicing of a borrower 's mortgage loan.
Following direct attempts to make contact, ignoring my contact attempts, revisiting previously my attorney RESPA request containing 31 points, late return of documents to comply with the RESPA, and assertion that you will not remedy per previous CFPB complaint, I am addressing the matter here.
Your company does not have the correct address for me and did not make any efforts to correct my address since the date of loan origination on XX/XX/XXXX. Refer to the document titled Enclosures, and I have made multiple attempts to correct this through the only means known, XXXX.XXXX, the purchasing investor.
I was never aware this loan originated and in fact, per responses from the major credit bureaus, your company put forth defenses against my claims of fraudulent addresses showing on my credit file ; addresses belonging to XXXX.XXXX, or XXXX XXXX XXXX and MrXXXX XXXX XXXX.
Error of Disclosure : As my mortgage servicer, you have a duty to make transparent all items relevant to my mortgage. Your company failed to meet minimum standards with this regard to disclosure of mortgage activity since the date of origination. By incorrectly naming the payor as me and taking payment from another, you company precluded the possibility for direct transparency.
Error in remittance Your company has been taking mortgage payments from XXXX, or some assign that is not me. This party must no longer have access to communicate or transact with your company. I am the lienholder and the single point of contact for all matters pertaining to this loan. No other person or entity other than I shall have access for any purpose and this must be corrected immediately.
Furthermore, it is my belief that your company has disclosed mortgage information without my consent to a third-party home investor and likewise taken payment from this investor knowingly under the false pretext that the payments were coming from me. This has not been authorized and is not allowed. I verified this on a call with your customer support on XX/XX/XXXX. Refer to enclosure titled Customer_Correspondence. This was provided as a direct reply to my inquiry on the loan. I do not have any knowledge of how these payments were made from where they came, the origin of the monies, the transactional records relating to the payments, or otherwise any understanding of how you came to accept these payments.
It is my explicit direction as the named lienholder that no other individual or entity is authorized to have information from your company about my mortgage, notwithstanding XXXX XXXX with a durable Power of Attorney. It is my further explicit direction that as the named lienholder that no other individual or entity is authorized to inquire about my loan or have revealed any details by any means relating to my loan for any reason at any time. This direction shall supersede any previous authorization otherwise expressed or understood as any such expression or understanding would have been erroneous and/or mistakenly interpreted.
Identity Errors in Address and Misreporting Thereof : Your company incorrectly assigned my address connecting my name with the property address of the home buying investor, XXXX when originating this loan. Refer to attached enclosure XXXX XXXX Mortgage Escrow Review Statement XXXX ( Postmarked XXXX ). Your company has not made available information on who/what entity has been responsible for payment remittance from the date of mortgage origination to present.
Your company has not been properly reporting the mortgage to the credit bureaus, namely XXXX, XXXX, and Transunion. Specifically, and to expound, your company is reporting that I am making the payments to reduce the debt. This is untruthful and needs correction.
Your company failed to maintain clarity and consistency in escrow credits and delivery of information. I received a check with the wrong address to my name on XXXX XXXX XXXX for escrow calculations for year XXXX. I have not seen any disbursements or calculations for XXXX and request this be corrected or clarified.
This erroneous reporting is present and visible today on my personal income tax transcript. I did not report paying any mortgage interest when filing my returns because I did not. My XXXX income tax transcript shows that XXXX XXXX dba XXXX XXXX reported this to the IRS. I will provide as evidence a copy of my Income Tax Transcript as made available via IRS.gov, where you will find the identified reporting of " FIN 8950C '' for personal income tax purposes.
Immediate correction is demanded and removing of my name from this loan likewise. I recommend if not resolved here, this matter be turned over to the IRS for investigation, specifically as to how my tax return was associated with payments I never made.
Sincerely, XXXX XXXX
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX SSN : XXXX DOB XXXX XXXX XXXX XXXX Dear Sir/Madam, I am writing to you to formally dispute and address several egregious violations of credit reporting laws committed by various creditors. I am seeking your immediate assistance in enforcing my legal rights as a consumer to rectify the severe inaccuracies that have adversely impacted my financial stability and overall quality of life.
The following is a comprehensive list of the accounts, along with the corresponding violations of credit reporting laws : XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX : Account number : XXXX, Please remove it from my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX : Account number : XXXX, Please remove it from my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX : Account number XXXX XXXX, Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX : Account number : XXXX, Please remove it from my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
XXXX XXXX XXXX XXXX : Account number : XXXX, Please remove it from my credit report. I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
The inaccuracies perpetuated by these creditors have wrought havoc on my financial stability, causing immeasurable emotional distress and hindering my ability to achieve essential life goals. Allow me to share a deeply personal account that underscores the profound impact these inaccuracies have had on my life : Several months ago, I embarked on a journey to purchase my first home, a dream I had nurtured for years. I diligently saved for a down payment, secured stable employment, and meticulously prepared my finances to qualify for a mortgage. Regrettably, my mortgage application was denied due to inaccurate reporting by one of the creditors named above. The erroneous information not only led to an inflated interest rate but also shattered my dreams of homeownership. The repercussions were devastating a loss of stability for my family and the relinquishment of a future we had so eagerly anticipated.
Furthermore, the cumulative effect of these inaccuracies from various creditors has had far-reaching implications on my overall creditworthiness. This has severely impaired my access to affordable loans, reasonable insurance premiums, and even basic necessities like reliable transportation. My aspirations for education and career advancement have been indefinitely deferred due to the lack of financial resources, putting a halt to my ability to secure a promising future for myself and my loved ones.
Given these circumstances, I earnestly beseech the Consumer Financial Protection Bureau to intervene and enforce the provisions of credit reporting laws that are designed to safeguard consumers. I kindly request your agency 's intervention to thoroughly investigate these violations and hold the responsible creditors accountable for their actions.
Additionally, I implore you to instruct the relevant authorities to remove the unverified and inaccurate accounts from my credit report. Such corrective action is paramount in restoring the accuracy and integrity of my credit history, which is indispensable for me to rebuild my financial stability and rekindle my pursuit of life 's ambitions.
I urge the Consumer Financial Protection Bureau to act with urgency and determination in addressing this matter. Your swift intervention will not only rectify the injustices I have faced but will also uphold the principles of fair and accurate credit reporting that are crucial to the financial security of consumers.
I sincerely appreciate your time and consideration. I respectfully request that you take prompt action to investigate and rectify these violations, thus enabling me to overcome the profound impact of inaccurate credit reporting.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| 03/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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On XX/XX/XXXX, I paid off two credit card accounts. The first was with XXXX XXXX XXXX XXXX for {$120.00}. The second account paid off was XXXX in the amount of {$2100.00}. Both of these credit accounts remain open ; they were not closed ; therefore, in theory, my credit score should have increased. Since paying off both credit cards, no other credit activity has changed ; the last new account opened on my credit file was in XX/XX/XXXX. I monitor my credit and credit scores daily via my credit union and XXXX XXXX accounts. TransUnion XXXX provided both financial institutions credit information. This XXXX has different reporting guidelines and does not align with the standard XXXX score reporting guidelines. The XXXX reporting guidelines and algorithms put US consumers at a disadvantage.
On Sunday, XX/XX/XXXX, when I checked my credit score via my credit union, my score was XXXX before paying off both credit cards. However, on Monday, XX/XX/XXXX, I accessed my score via my credit union, and the TransUnion XXXX data indicates my score went down XXXX points. However, my score went from XXXX to XXXX, actually XXXX points after I paid off my two credit cards.
I contacted TransUnion via XXXX messenger to find out what was going on. The agent responding informed me that my credit score could not be disputed and that they could not or would not provide specific data on why my credit score dropped XXXX points. At the time of my conversation, I didnt realize the XXXX decline indicated on my credit file via my credit union was inaccurate data ; the actual drop was XXXX points from XXXX to XXXX.
On this same day, Monday, XX/XX/XXXX, AND Tuesday, XX/XX/XXXX, I logged into my XXXX XXXX account, which also uses TransUnion XXXX XXXX, and my score remained at XXXX after I paid off both credit cards. Additionally, on Monday, XX/XX/XXXX, while communicating with the TransUnion representative, I checked all three credit agencies data, and my credit score with XXXX was XXXX. So, there is a massive XXXX disparity between what TransUnion is reporting. Additionally, via my credit union TransUnion credit data, my credit usage went from 30.88 % to 23.94 %, so please explain why my score went down XXXX points! Not to mention TransUnion And XXXX charge US Consumers to access their credit scores ; this is unacceptable because TransUnion and XXXX are taking advantage of the US consumers by charging to access our public credit data!
On Wednesday, XX/XX/XXXX, I logged into my XXXX XXXX account to check my credit score, and suddenly, after my conversation with the TransUnion representative, I could not access my credit file information. After they could not or would not explain why my credit score declined or the disparities between the two systems ( credit union and XXXX XXXX XXXX ) had different data, my credit information was locked. I can not check my credit information via XXXX XXXX ; I now get an error message indicating that my account is locked. As a result, I contacted the XXXX number listed on the error message, and the TransUnion representative who answers informs me that my account has my married and maiden names, which I have had on my file for over 30+ years! I divorced over 26 years, and nothing on my credit files uses my married name! Again, this data has been in my credit files under the other names categories for thirty-plus years. On my TransUnion credit report ( File # XXXX ), My name under the Personal Credit Report is listed as XXXX XXXX XXXX and my name listed under the Personal Information section is listed as XXXX XXXX XXXX XXXX XXXX absolutely nothing has changed! I informed the agent of this, so to correct some made-up alleged error, she needed to verify me as such ; she proceeded to verify me and ask system-generated questions. The first question was irrelevant to me, meaning the question and the responses had no relation to me, and I told her this. She proceeded to the second question, which was again unrelated to me! This is the second time this has happened with the TransUnion verification process, where their computer-generated questions are irrelevant to the consumer ; thus, the alleged error and account lock can not be resolved! I asked to escalate to a supervisor and expected someone calls me back within 24 hours. She tells me its impossible and the turnaround time is three days! I am still locked out of my TransUnion credit file via XXXX XXXX, which is the portal reporting my credit score as XXXX, which is TransUnion XXXX data. This is suspicious, as AFTER informing your agent, I would escalate this issue and file multiple complaints. The agent provided me the link to file the complaint with the CFPB, and now my account is locked ; what?
The TransUnion organization and all credit agencies are responsible for millions of Americans credit data, and they are paid to ensure this data is accurate and current. If there are inconsistencies and insufficient data, each credit agency should be able to articulate clearly to US consumers why credit scores changed! Additionally, if there are discrepancies, research the issues to understand why there are discrepancies in the TransUnion data and across agencies. The TransUnion organization doesnt get to tell the consumers that scores can not be disputed! The TransUnion organization doesnt get to lock US consumers out of their accounts because of your internal systemic issues! Not to mention, I can still access my data using your data via my credit union, so obviously, its not an issue with my alleged married and maiden names in your database!
Additionally, I would be unable to access my TransUnion account and retrieve my credit file if there were errors with my name. I can access this data as of this complaint ; therefore, the alleged errors with my credit file dont exist! From my perspective, I am locked out of the XXXX XXXX information because the TransUnion XXXX still reflects a XXXX score, and TransUnion can not clearly articulate why my score went down XXXX points and why there is a XXXX disparity between TransUnion Data and XXXX data. TransUnion data is reporting different data depending on where the US consumer accesses their data!
The US consumers credit data is used for everything, and when the credit agencies data is inaccurate and inconsistent, it could potentially cost US consumers employment, missed opportunities to acquire new credit accounts or cost the US. Consumers thousands of dollars in interest payments because the data is not correct!
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| 08/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information is missing that should be on the report
|
|
Web |
|
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I am demanding that you delete this account from my reports IMMEDIATELY and supply documentation that is has been deleted, by providing me with an updated credit report.
Furthermore, you are negatively reporting information that should not be on my credit report. By law, you are required to IMMEDIATELY AND EXPEDITIOUSLY delete the account showing on your records as XXXX # XXXX. The account number is reporting incomplete, which bars me from being able to verify if the account is actually mine. I have disputed with TRANSUNION and with the creditor as well. I have written documentation that I sent in a dispute for this account as of XX/XX/XXXX, as well as disputed in XXXX and to date there have been absolutely NO remarks listed showing that this account has been disputed. You have violated my consumer rights IN ACCORDANCE WITH FCRA 623 ( A ) ( 3 ). You lied and said that the account was verified as accurate and updated, which is not true. There were absolutely NO changes made to this item reporting after I disputed and I do not see any remarks showing that it has been disputed. I have not received any documents requested to show that this is a legitimate debt and that the alleged vehicle was not sold for the amount that is showing on my report. I do not own a financed vehicle or have access to one, yet I have NEVER received any documentation in regards to a repossession or sale of a previously purchased vehicle. Therefore, if the alleged vehicle repossessed belonged to me, the proper protocols and lawful procedures were NOT followed. You are required to DELETE this erroneous account from my credit reporting RIGHT NOW. I am maintaining these records to report you to the CFPB for violation of the laws that you are REQUIRED to abide by. I am willing to seek legal action to pursue you. Both creditor and credit reporting agency now owe me {$1000.00} per violation of my consumer legal rights. The continuous reporting of this account violates USC 15 1681 ( 2 ) i. ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Please delete this account immediately, as the 30 day time period has been exceeded and you my reports have been pulled several times, showing this inaccurate information, therefore please accept this invoice in the amount of {$1000.00} per violation. I will be waiting for my check to be delivered to the address that you have on my credit report file.
Rights and laws you, the Credit Reporting Agency and the Creditor, have violated : FDCPA 807 & 809 FCRA 623 A ( 3 ) FCRA 611 A ( 1 ) By law, you are required to IMMEDIATELY AND EXPEDITIOUSLY delete the account showing on your records as XXXX # XXXX.
In addition, there are SEVERAL inconsistencies reporting across the 3 major bureaus for what appears to be this same account. The creditors name, address and contact information varies between my Transunion, XXXX and XXXX reports. This is illegal because a rightful debt can only belong to one company at a time, so why are there so many variations appearing on my reports? The DOLA reporting on my XXXX report is XX/XX/XXXX, and the other 2 reports show XX/XX/XXXX. Also, one report is saying the last payment was made in XX/XX/XXXX, but the other reports say XX/XX/XXXX. Furthermore, this account reported CHARGED OFF on my XXXX report, UNJUSTLY in XX/XX/XXXX. This is absolutely INACCURATE AND FRAUDULENT reporting. I demanded proof of the reporting several times and you have provided NO SOURCE OF VALIDATED AND VERIFIED ACCURATE INFORMATION, NOR HAVE YOU CORRECTED THESE INACCURACIES. So I am holding you responsible for violation of my consumer rights. I have disputed this account for innacuracies several times, so I would like to know how you claim to have verified information is being reported accurately when there are several DIFFERING contradictory numbers and data showing on my reports. All of them can not be accurate if they all differ. You have reported blatant, absolute, LIES on my credit report. This is highly unethical. Why did you falsely report in my remarks across the bureaus on this account that a vehicle in my name was INVOLUNARILY REPOSESSED? That is absolutely not true. Under no circumstances have I ever had a vehicle involuntarily reposessed from my possession and charged off. I VOLUNTARILY surrendered a vehicle as of XX/XX/XXXX, due to severe health issues caused by XXXX and giving XXXX in the middle of an illness and a pandemic. I advised that I was experiencing financial hardship due to being sick and unable to work just prior to having to take a XXXX XXXX and ending up XXXX, forcing me to relocate to my grandparents home out of state. I called my previous lender several times to review options and get advised of how to return the vehicle. The creditor intentionally procrastinated on accepting the vehicle back, and proceeded to report a late payment to one of my credit reports. ABSOLUTELY UNETHICAL. I requested proof of this alleged debt amount and paperwork since I was never served notice of this debt and only saw that it existed by viewing my credit reports. The paperwork was never issued or provided. Also, a late payment is showing for XX/XX/XXXX which can not be verified by the creditor as a rightful late payment. The payment history being reported to the bureaus for this account is inconsistent and does not make sense. However, it is damaging my credit reports. Therefore, you are in violation of reporting inaccurate and inconsistent information on my reports which is causing me undue harm in my finances. I am invoicing you for damages accordingly. Immediately delete this account.
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| 01/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX I had a collections account opened up in my name for a previous student loan that I thought my parents had taken care of for my first semester of college at XXXX XXXX XXXX College in XXXX, MS. At the time upon receiving a letter of this matter going into collections my Dad ( XXXX XXXX ) stated he had called the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) to work out a payment plan with them to pay off the item that is in collections which at the time the original amount was {$1200.00}. To my knowledge this debt was paid off, I had never looked at any of my credit reports simply because I had not needed to, I had never applied for any type of credit card etc, so I never even thought about anything being on my credit report. Around mid XX/XX/XXXX, I decided one day to check my credit report and happened to notice that I still had this item in collections, and not only that but a negative balance showing I owed {$1100.00}. I called my Dad ( XXXX XXXX ) to ask if he had paid it off and indeed he had been giving me lies stating he did, when in reality back in XX/XX/XXXX he had only called them to make a manual payment of {$50.00} hence why my original balance was only {$50.00} more. Of course at this point I was bothered by the situation and did everything in my power to speak with the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) about the item that was on my report in collections. From the beggining of XXXX to the end of XXXX. I tried to get in contact with the collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) each time I called, which was once possibly twice a week I would be told either a lie about how much I owed them ( wrong amount every time I called ) or was told that someone was looking into it for me and would get back with me. I specifically remember calling 3 times in XXXX and being told that someone would get back with me. Finally after being sick of it being on my report and tired of the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ), I called the original creditor on XX/XX/XXXX who was XXXX XXXX XXXX College and spoke with XXXX XXXX in the business department about what I could do to get the collection removed from my report. She then preceded to say that if I made the full payment to her office that she would email the Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) and CC me showing that she would have them remove it from my report. I also before making payment made her send me an email stating that once a payment is recovered by her she will send the email to have it removed from my report on all reporting agencies. I have her on a recorded call stating this as well as the email from her both of which will be attached as documented proof below. That very same day after verbal and written agreement was made I went to XXXX XXXX and got a cashiers check to bring to the XXXX XXXX XXXX College Campus. ( Pictures of the check are also attached as documented proof ) XXXX XXXX whom I had been emailing and on the phone with was not in the office when I dropped the check off but had someone else in the business department place the payment of {$1100.00} on my account to pay off the remaining balance in full. ( In documents below I have also attached the original transcript showing money due as well as a paid in full transcript with the receipt of payment ) I then waited approx. 3 hours and called the business department back to speak with XXXX XXXX whom stated that my payment was received and that she was sending the email to the Collection agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ). ( That email is documented proof below ) stating that I had made a payment in full and that it needed to be marked paid and removed from my report. After calling the Collection Agency to confirm this they stated I still owed a balance of {$64.00} for a filling fee in which after that was paid there was a special note on my account to directly call the Credit Reporting Agencies and have it removed this was on XX/XX/XXXX, however as soon as I paid the remaining balance with XXXX XXXX I disputed the collection account on both my Transunion and XXXX credit report. Transunion within one week after sending in the same documents I am sending now marked it " Paid in Full '' because they could see the proof that the balance I had was paid off. However XXXX denied my request stating that it was verified correctly, AFTER Transunion had just verified it was paid which was very confusing. This dispute was on XX/XX/XXXX and was sent back to me in two days confirming that it was verified which makes no sense, because not only did Transunion just come with a different outcome they had already marked it " Paid in Full '' as you can see in the pictures below. Since early XXXX when the first dispute happened, I then figured it may be because of the remaining {$64.00} balance at the Collection Agency ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MS XXXX ) so I paid that in full as well with a money order on XXXX XXXX when I originally called them. ( Documented Below ) Since that date I have completed 4 disputes with XXXX that have ALL denied my request to be taken off my report or even as much as marked " Paid in Full '' and this is the collection agency and original creditor telling them to do so! All of my disputes have come back in 6 days or less denying my request saying that, the amount on my report is verified after sending in proof from both the collection agency that it is paid as well as the original creditor, and not only that BUT when I call XXXX to see what is going on they simply tell me that it is verified and I must call the collection agency which then tells me to call XXXX because they have already called them to have it removed. Now, I am stuck Transunion at least had it marked " Paid in Full '' which is not what they are supposed to do when the collection agency and emails are stating to remove it but that is better then nothing, XXXX on the other hand will not do proper due diligence and read the proof I send in nor listen to anything I am telling them in writing or over the phone. I do not know what to do at this point besides go to the correct regulatory agencies to get this matter taken care of. Below you can see documented proof to help my case as well as all paperwork and emails sent to me by the Collection Agency and Original Creditor. Thank you for your help.
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| 08/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX Dear Sir/Madam , I hope this letter finds you well. I am writing to bring to your attention serious concerns I have regarding the inaccurate and unverified information that has been adversely affecting my credit profile. I kindly request your assistance in resolving these matters and enforcing the relevant laws to rectify the violations that have had a profound impact on my financial well-being and personal life.
XXXX. Inaccurate Reporting of Late Payments : It has come to my attention that several creditors have reported inaccurate late payment information on my credit report, specifically : XXXX XXXX XXXX XXXX Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
AZ XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX : Account number : XXXX Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX. Unverified Debt : There are accounts on my credit report that I can not recognize and that have not been properly verified. These accounts include : XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX : Account number : XXXX Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX-XXXX : Account number : XXXX Please remove it from my credit report. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX XXXX : An unauthorized inquiry has appeared on my credit report on XX/XX/XXXX, without my knowledge or consent. This inquiry was made by XXXX XXXX and I have no recollection of authorizing this credit pull.
XXXX. Inaccurate Personal Information : My credit report includes incorrect personal information, specifically incorrect addresses : XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
XXXX XXXX XXXX XXXX XXXX AZ XXXX The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
These violations have had a severe impact on my financial health and personal life. To provide you with a deeper understanding of the emotional toll this situation has taken, let me share my personal story : Due to the inaccurate reporting of late payments, my credit score has plummeted. This has hindered my ability to secure reasonable interest rates on loans, causing me to pay substantially more for essentials such as my mortgage and auto loan. As a result, I have been forced to work longer hours and even sacrifice time with my family in order to make ends meet. The stress and XXXX caused by this financial burden have strained my relationships and taken a toll on my overall well-being.
Furthermore, the inclusion of unverified accounts on my credit report has left me feeling helpless and uncertain about the accuracy of the information being used to judge my financial responsibility. This situation has made me question my own financial literacy and has left me feeling unfairly treated by the credit reporting system.
In light of these violations, I am earnestly requesting that the Consumer Financial Protection Bureau take action to enforce the relevant laws and regulations. Specifically, I ask that the following measures be taken : Thorough investigation and validation of the accounts mentioned above.
Correction of inaccurate reporting of late payments.
Removal of unverified accounts from my credit report.
Removal of unauthorized inquiry by XXXX XXXX.
Rectification of incorrect personal information, including addresses.
I appreciate your attention to this matter and your dedication to ensuring fair and accurate credit reporting practices. I kindly request a timely response detailing the actions taken to address these violations. Please provide me with written confirmation of the steps that will be taken to rectify these issues within the timeframe allowed by law.
Thank you for your time and consideration. I believe that with your help, we can restore the accuracy of my credit report and alleviate the burdens I have been enduring due to these violations.
Sincerely, XXXX XXXX
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| 10/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XXXX of XXXX, I acquired a copy of Transunion credit report. Upon review, I noticed some inaccurate information and erroneous accounts reported on my file. I sent TransUnion a letter certified mail which they received on XX/XX/XXXX, showing them the inaccuracies, and requesting they send an original instrument of indebtedness that they used to verify these accounts. By law, they are required to respond to my disputes within 30 days. If they fail to verify the information within 30 days, the data furnisher must delete the disputed accounts immediately. The 30-day period came and went with no response, but Transunion refused to comply with the law and did not delete these accounts, even though they are required by law to do so. I then sent another letter, received XX/XX/XXXX, notifying them of their non-response, to which they finally answered, saying these accounts were verified, but provided no proof of such verification. I them asked what method that they used to verify these accounts in a letter that they received on XX/XX/XXXX. They did not respond in the required 30 days AGAIN. Then 40 days went by, then 50 days until I sent them ANOTHER non-response letter, which they received on XX/XX/XXXX and was signed for by a XXXX XXXX, notifying them of their obligation to remove these inaccurate accounts for failure to respond AGAIN. It has now been well over 30 days and Transunion has violated my rights under section 605 of the Fair Credit reporting act for the THIRD time in 7 months by not responding to my disputes. The law is very clear about the {$1000.00} penalty per violation, but this company seems to have no regard for the laws and regulations of the federal government. This information was supposed to have been deleted long ago, but Transunion has openly and blatantly ignored these requirements. The violation of my rights by this company has caused direct damages and distress to my life. What's even worse is when you look at my dispute, these are clear cases of inaccurate information being reported between the bureaus, by Transunion has chosen to lie and say that this information is accurate, even when presented with incontrovertible evidence. For the account XXXX XXXX XXXX, there is literally no payment history of any kind. Nothing. When was this account delinquent? How many days was this account delinquent? Was this account ever in use? Transunion can clearly see that this is completely inaccurate information. This company has also failed to produce the original instrument of indebtedness that they should have been shown to even report this on my credit file. How can this account possibly have been verified if Transunion does not have the signed contract that is required by law? This account does not meet the requirements of the FCRA and must be deleted. For the account XXXX XXXX XXXX, TransUnion reports that this account was 30 days late in XX/XX/XXXX. However, XXXX reports this account as 30 days late in XX/XX/XXXX. Which one of the reports is correct? Was the account delinquent in XX/XX/XXXX or XX/XX/XXXX? This violates the standardized reporting requirement of the FCRA, and this account should have been immediately deleted. Transunion refused to do so. Also, for the month of XX/XX/XXXX, the report reflects 120 days late, but for the next month of XX/XX/XXXX, the report shows as 30 days late. How is this possible? This is completely inaccurate reporting and grounds for deletion under the FACTA amendment to the FCRA that requires that everything that is reported must be accurate. TransUnion refused to do so. This company failed to produce a contract with my signature to report this account on my file, which should have triggered an immediate deletion. Transunion refused to do so. These are violations on this account are clear as day to anyone with eyes and this should have been taken care of from the very beginning. For the account XXXX XXXX, your records indicate that this account was 30 days late in XXXX of XXXX. However, XXXX reports this account as 30 days late in XX/XX/XXXX. Also significant, XXXX reports this account as 30 days late in XX/XX/XXXX. So, which one of these XXXX dates is correct? This is clearly not standardized reporting and is inaccurate ; this account should have been deleted. Transunion refused to do so. Transunion also failed to produce a signed contract for this account, as well. Another violation of the law. For the account XXXX. XXXX XXXX, I directly contacted this collector, myself. They were not able to validate this account to me in 30 days, but Transunion somehow claims that this account was verified. How is this possible? Clearly, this was a complete falsehood on the part of Transunion. For the account XXXX XXXX XXXX, I directly contacted this collector, myself. They were not able to validate this account to me in 30 days, but Transunion somehow claims that this account was verified. How is this possible? Clearly, this was another falsehood on the part of Transunion. And finally, for the account XXXX XXXX XXXX, I directly contacted this collector, myself, AGAIN. They were not able to validate this account to me in 30 days, but Transunion somehow claims that this account was verified. How is this possible? Clearly, this was a yet another falsehood on the part of Transunion. Transunion clearly thinks that I am stupid or ignorant of the law. I assure you that I am neither. This list of violations of the Fair Credit Reporting Act by Transunion would seem almost humorous if they weren't so detrimental. I have built a very damning case against this agency and there repeated and willful disregard for the laws that govern them. I am done having my rights be violated by this company. I am done being a victim of their crimes. I have done my part in bringing these violations to their attention, to no avail. Transunion 's blatant illegal activity regarding my credit report needs to be severely and swiftly punished. I have rights under the FCRA, and I demand that they be upheld. Transunion knows that, due to their actions, the law is on my side, and it seems as if they are trying to wait me out. I am filing this complaint to let Transunion know that I am not going anywhere and that my fight with them is just getting started. I fully intend to come after this company with the full force of the courts until they comply with the law. This is the FINAL attempt to resolve this matter outside of the court. I am a litigious consumer and I intend to collect damages in the $ XXXX.
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| 07/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX sold their student loans to XXXX XXXX ( XXXX ) in XXXX. I have been an XXXX XXXX XXXX XXXX continuously since before this transfer to XXXX and after. In addition to a education deferment status on my two student loans, I also have a military deferment. XXXX XXXX wrongfully changed my deferment status without my consent and without any of my circumstances changing. I still actively am a XXXX XXXX XXXX and still have the XXXX military status too which are applied to both loans and are in the original loan agreement I signed with XXXX XXXX when I received my student loans.
In XXXX, XXXX XXXX noticed their mistake and stated they had a " system error '' when they transferred loans from XXXX XXXX to them and that they apologize for " accidentally '' changing my status in their system even though my military and full time student status were both and are both still active. They inaccurately reported me to all credit bureaus ( TransUnion, XXXX, XXXX ) with wrongful and inaccurate information. They told the credit bureaus that I was delinquent even though I am not and never was. Over the phone, the XXXX rep told me that she apologized and that they would immediately retract the credit hit/information sent to the bureaus and that they would rectify this situation because they made the mistake. I never had any late payments nor did I ever need to make any payment because of my current and continuous student and military deferment statuses that I have continuously had.
In XXXX, the XXXX rep instructed me over the phone that I would be receiving a credit retraction letter by mail. I waited weeks and never received anything in the mail. I called them again asking for this retraction letter and emailed them on XX/XX/XXXX submitting documentation about my continuous student enrollment deferment and military deferment. XX/XX/XXXX they replied that the credit report was retracted and to rest assured that the letter will be delivered and not to worry. I waited all of XXXX. Still received nothing from XXXX. XX/XX/XXXX came and I still didn't receive any retraction letter from XXXX even though every time I called they said they can see it in my documents but that it take 3-5 business days to be delivered to me by mail. More than 35 days have gone by at this point and I still didn't receive a letter.
On XXXX XXXX, my credit scores were updated by the Bureaus and my score dropped by more than a 100 points on XXXX. I filed a dispute through XXXX and called XXXX to let them know and ask why my score shows delinquent accounts if I never had any delinquent accounts ( they told me they had a " system error '' ) and that I could rest assured that they retracted the credit reporting in XXXX. XXXX kept apologizing and acted confused when I told them my credit score report did not reflect that retraction letter being received by the Bureaus and they kept stating they sent all of the bureaus the updated information and that the credit retraction was done and even told me " XXXX told us they are behind on updating their information and they are two months behind on their reporting ''.
I called XXXX to confirm and XXXX stated they are up to date and discussed how by law they have a limited amount of time to updated the new information on credit reports. XXXX stated they never received any retraction information by XXXX and that by law if they did, they would immediately update it. XXXX instructed me that the dispute I opened on both accounts should fix it considering XXXX still hasn't sent me the retraction letter even though I have requested it at least 4 times over the phone and through email asking them to send it to me by mail and through email. XXXX and the credit bureaus have not received the retraction information at all.
I filed a dispute through XXXX, submitted the documentation I had by XXXX proving they supposedly retracted the credit report in XXXX. XXXX told me that XXXX denied my dispute and told them a different story when XXXX reached out to XXXX. Over the phone every XXXX rep I speak with keeps apologizing and states I have done nothing wrong and that the retraction letter was sent and that they agreed with my dispute so they are confused why XXXX would say that. Yet every time I tell XXXX to send me the retraction letter that they told they would send on XX/XX/XXXX and they can see on my documents, they state that it takes 3-5 days for me to receive it and just put in another request for it to be delivered by email or mail. It has been MONTHS.
Today, XX/XX/XXXX, I STILL have not received a retraction letter by email or mail from XXXX XXXX. All of my credit scores have plummeted for this inaccurate reporting by XXXX XXXX even though they keep stating they sent the Bureaus the retraction information and confirmed the information on my credit report is inaccurate. XXXX agreed with me and acted confused why the Bureaus didn't have the information they said they sent to them. Today, XX/XX/XXXX, I now have new inaccurate information on my credit score that was never there nor is even true. There a ton of discrepancies. I need my retraction letter from XXXX and a letter confirming all of the dates/inaccurate reportings/discrepancies. The Bureaus stated this is what they need to immediately fix my credit scores back to the original score. XXXX needs to reach out to me and make this right with a sense of urgency considering their huge mistakes they have made and continue to make until this day. This unacceptable that it has even taken this long and they need to rectify this mistake.
I have had to put my life on hold because of XXXX poor service and inaccurate reporting due to their " system error ''. They have continuously failed me and don't have any sense of urgency to reach out and rectify this. Over the last 2 1/2 months, I've only had one supervisor take the time to try to resolve this massive mistake. This issue is still unresolved. XXXX has the opportunity to resolve this situation and restore their rapport. XXXX, reach out to me and make this a priority. This is a massive system error mistake that has resulted in terrible service and forced me to pause my life until my credit is restored. All of the bureaus and I are waiting on XXXX to submit the documents properly and accurately. I even started paying early on my loans since I am and have always been in student deferment/ military deferment and this is the customer service and care I have received from XXXX XXXX .
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| 12/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Subject : Request for Immediate Rectification of FCRA Violations in Credit Report Dear Transunion, I am writing with urgency to address critical inconsistencies within my credit report that directly contravene the Fair Credit Reporting Act ( FCRA ). It has come to my attention that my credit profile contains persistent errors, reflecting a substantial oversight of FCRA guidelines within your agency.
To clarify : The FCRA stands as a crucial federal statute governing the precise collection, reporting, and transparent sharing of consumer credit information.
Instances of FCRA violations include : Creditors furnishing inaccurate financial data to reporting agencies.
Reporting agencies merging individuals ' data due to similarities in names or social security numbers.
Neglect of prescribed protocols for handling disputes by agencies.
Under the Fair Credit Reporting Act, I possess specific rights : The right to verify the accuracy of my report, particularly for employment purposes.
Notification if information from my file has been used against me in credit applications or other transactions.
The ability to dispute and request the removal of incomplete, erroneous, or unverifiable data.
Removal of outdated negative information as per the specified time frames ( seven years or ten in cases of bankruptcy ).
I formally request the immediate removal of the listed items below. These items unquestionably breach FCRA standards due to inaccuracies, lack of verifiability, and persistent invalidation. Their presence has caused substantial distress, notably evidenced in my recent denial for extended credit due to errors originating from your agency.
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
2. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
3. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
5. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX2022 Inquiries have reached the statute of limitation.
7. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
8. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX2022 Inquiries have reached the statute of limitation.
11. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
12. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
13. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
14. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
15. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
16. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
18. The inquiry was not authorized XXXX XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
19. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XXXX/XXXX/2022 I have no recollection of authorizing this credit pull and I demand this to be removed.
20. The inquiry was not authorized XXXX Date of inquiry : XXXX/XXXX/2022 Inquiries have reached the statute of limitation.
21. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
22. XXXX XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
23. XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
24. XXXXXXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
25. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
26. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
27. XXXX CARD Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
28. XXXX CARD Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
29. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
I expect swift action to rectify these violations within the FCRA 's mandated time frame. Failure to comply will regrettably leave me no choice but to pursue legal measures to ensure my rights under the FCRA are upheld.
Sincerely, XXXX XXXX
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| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : 1. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXXXXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper XXXX XXXXXXXX XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX, CA XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, CA XXXX If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission XXXX
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX
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| 04/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXXXXXX XXXX XXXX XXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Account Number : XXXX This is not mine.
3. Identity Theft XXXX Account Number : XXXX This is not mine.
XXXX XXXXentity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
6. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
8. XXXX XXXX XXXX Account Number : XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 07/28/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 32 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$3200.00} Payment Status Current Worst Payment Status all accounts are not mine/ ftc violations XX/XX/XXXX Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 6 Months Monthly Payment {$88.00} Responsibility Individual Account.
Balance {$170.00} Highest Balance {$430.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Last Reported XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 53 Months Monthly Payment -- Responsibility Individual Account.
Balance {$3300.00} Highest Balance -- Payment Status Collection/Charge-Off Worst Payment Status address that are not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Account Type Manufactured Housing Account Status Closed - Transfer/Sold Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 360 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$68000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 6 Months Monthly Payment -- Responsibility XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 30 Months Monthly Payment -- Responsibility Joint Account Balance {$0.00} Highest Balance {$6000.00} Payment Status Current Worst Payment Status -- Date of Last Payment XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 6 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$430.00} Payment Status XXXX Days Late Worst Payment Status Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 8 Months Monthly Payment -- Responsibility Individual Account.
Balance XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Auto Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 60 Months Monthly Payment {$0.00} Responsibility Joint Account Balance {$0.00} Highest Balance {$23000.00} Payment Status XX/XX/XXXX Creditor Name XXXX XXXX XXXX Account Type Secured Loan Account Status Closed - Paid and Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 32 Months Monthly Payment -- Responsibility Individual Account.
Balance {$0.00} Highest Balance {$3200.00} Payment Status Current Worst Payment Status -- Date of Last Payment XX/XX/XXXX Amount Past Due -- Times 30/60/90 Days Late Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Account Balance {$1100.00} High Balance {$1100.00} Remarks -- Public Records Last ReporteXXXX XX/XX/XXXX Creditor Name XXXX Account Type Secured Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 45 Months Monthly Payment {$170.00} Responsibility Individual Balance {$3500.00} Highest Balance {$4100.00} Payment Status 120-149 Days Late Worst Payment Status 120-149 Days Late Date of Last Payment XX/XX/XXXXAmount Past Due {$1600.00} Times 30/60/90 Days Late XX/XX/XXXX Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 6 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$430.00} Payment Status 30-59 Days Late Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 2/0/0 Remarks Last Reported XX/XX/XXXX Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Open Opened Date XX/XX/XXXX Closed Date -- Limit -- Term 6 Months Monthly Payment {$88.00} Responsibility Individual Balance {$170.00} Highest Balance {$430.00} Payment Status Current Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late XXXX XX/XX/XXXX Creditor Name XXXX Account Type Mobile Home Account Status Closed - Transferred Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 360 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$68000.00} Payment Status Current Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ XXXX Times 30/60/90 Days Late 2/0/0 Remarks Transferred to another lender XX/XX/XXXX Creditor Name XXXX XXXX Account Type Unsecured Loan Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit -- Term 6 Months Monthly Payment {$0.00} Responsibility Individual Balance {$0.00} Highest Balance {$430.00} Payment Status Current Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$600.00} High Balance {$600.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX {$540.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX Original Creditor XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$540.00} High Balance {$540.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1100.00} Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 08 XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Joint Balance {$1100.00} High Balance {$1100.00} Remarks Placed for collection Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX
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| 12/31/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Problem getting your free annual credit report
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Web |
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I have two complaints about practices by the three credit bureaus. The first concerns deceiving consumers into purchasing memberships and paid products by concealing the consumer 's right to a free annual credit report without signing up for an account or membership. I plan to apply for a refinance mortgage in the next few weeks to take advantage of low interest rates and so I went online to the 3 credit bureaus ' websites ( Transunion, XXXX and XXXX ) to obtain my free annual credit report in order to correct any errors prior to submitting my mortage application. In this process, I discovered deceptive practices by the 3 bureaus. Transunion has nothing about free annual credit reports on their home page and instead has a large button " my credit score and report '' that leads the consumer to sign up for a Transunion account. XXXX has a button " get free credit report '' near the bottom of the page, that leads to another page, that says " you may already know that there are multiple ways to get a free credit report '' and lures consumers to sign up and create an XXXX account. There is a button that leads to XXXX, which is the true source of free annual credit reports required by federal law. However it is buried among multiple buttons and links that lure consumers to sign up for an XXXX account and purchase paid products. XXXX has nothing on its home page about free annual credit reports required by federal law and has a very large banner at the top of the page " YOUR CREDIT REPORT AND FICO SCORE -- ALL FREE '' and a large button that says " YES LET 'S GO ''. The button leads the consumer to sign up for an XXXX account. These practices constitute deceptive acts to confuse and mislead the consumer into creating an account, where the bureaus at least collect more information about each consumer and almost always lead to the consumer purchasing paid products. The consumer who just wants to know what is on her credit report is frustrated and deceived into signing up for an account. To comply with the intent of Congress in requiring free annual credit reports, each of the bureaus should be required to include as the first thing the consumer sees on their websites, in at least 20 point font, a message similar to the following : " Federal law requires us to provide you with a free annual credit report. You do not have to sign up for an account or purchase any products from us to obtain your free report. Consumers should first obtain their free annual credit report by clicking here. If after reviewing your free report you are interested in signing up for an account or purchasing paid products, you can return to this page to see our paid products below. '' As explained in more detail below, credit reports have a very high rate of erroneous information. The credit bureaus create false information about consumers and then profit from it by selling " memberships '' that " allow '' consumers to monitor their reports to discover and correct false information. As such, they are an industry that requires very close supervision and, I believe, the suggested warning and link are both reasonable and necessary to protect consumers and effectuate the intent of Congress. I do not have time right now to submit a formal petition to institute rule making, however CFPB staff may construe this as a request to institute rule making, or act on this suggestion sua sponte and initiate a rule or, if you believe you have existing authority, require better information to consumers about free credit reports through an enforcement action. I believe the foregoing problem and solution are simple and straightforward and worthy of your consideration. The second complaint, about the plethora of false information on credit reports, and how this complicates the consumer 's task in obtaining their free credit report is admittedly more complex. I did eventually find my way to XXXX. However, I was only able to obtain a report from XXXX XXXX and Transunion denied my request because of false information on my credit report that did not match the information I provided. First, the only way I can ever obtain my credit report is to look back at the last report I received from each bureau. This is because the bureaus each think I have a different address. So I must use whatever address each bureau had for me on my last report. None of which are my actual address ( some are past addresses ; some are business addresses ; one is a P.O. Box that I sometimes use ). Next, one of the challenge questions from Transunion asked " which of these people live in XXXX? '' I lived in XXXX California about 20 years ago. I did not recognize any of the names and certainly none of the names were relatives or close associates. So I checked " none of the above '' which was a wrong answer and my request was therefore denied. I also failed one of the XXXX challenge questions, which asked which of the following consumer accounts did you open in XXXX? There were then a list of department store accounts. I have never had a department store credit card or credit account. So I answered " none. '' This was wrong and I was denied. I did answer all of the XXXX questions and got my report online from XXXX. So for XXXX and Transunion, I was denied because the bureaus have false information in my file that I had a certain account when I didn't and because they mistakenly believe one of the XXXX names was a close associate when it isn't. I searched for a phone number to call someone at either freeannualcreditreport or Transunion or XXXX Any phone number was difficult to locate and after calling it there were only automated options and no possibility to talk to a human being. My suggestion here is to require that the bureaus provide a fully staffed call center where consumers attempting to obtain their reports online and encountering problems like mine can reach a human being who can then ask alternate questions and make a judgment as to whether the report will be released online in real time. It is important to prevent fraudulent access to credit reports. It is also important to allow consumers access to their account. Both goals can be served by providing real time access to a human being. This will cost the bureaus money but they are profiting in the billions from gathering and disseminating information that ultimately is the property of each consumer. They can afford to staff a call center. Thank you for considering my complaints and suggestions for resolving them.
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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its been more than 30 days since I've sent a notice and I've gotten no response on my request to opt out of the following information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This company is clearly being negligent on their duties. Pursuant to 15 USC 6802 I am revoking all consent to report the above information on my consumer report.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
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| 10/18/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I recently requested a copy of my credit report with XXXX and found numerous errors on the report. First I asked them to delete any and all incorrect names on my credit report. My one and only correct name that should be listed on my credit report is XXXX XXXX XXXX. I also asked them to delete any and all incorrect mailing address. My one and only mailing address is XXXX XXXX XXXX. XXXX XXXX GA, XXXX. I also asked them to delete and update my Employer to XXXX XXXX XXXX. The credit reporting agency did not update this information and told me that all information was correct. The following accounts were also not properly investigated or verified but remain on my credit report.
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX assigned XX/XX/XXXX and a balance of {$650.00}. I have no knowledge of this account and has never done business with the creditor or collection agency assigned this account. Please provide all documentation to justify the validity of this account to include signed contracts or delete it from my credit file.
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account.
XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative I dont agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$34000.00}. I previously disputed this account with the credit bureaus and it was deleted from my XXXX report but XXXX failed to perform an investigation and delete the disputed information.
XXXX XXXX XXXX Unknown - credit extension, review, or collection with account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$910.00}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. XXXX XXXX XXXX Credit line secured with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX Secured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX XXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$35000.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX VA real estate mortgage with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. I previously disputed this account stating : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$5100.00}. I previously disputed this account stating : I dont agree with the negative payment status and history listed on this account. Please provide all statements showing the exact past due amount of any missed payments and the exact date that this account became negative. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$1700.00}. I previously disputed this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$9900.00}. I previously disputed this account stating : I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account.
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| 08/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern:
This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my
consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the
declaration of the rights granted to consumers under the Fair Credit Reporting Act.
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit
report.
1. THE ACCOUNT IS IN VIOLATION OF U.S CODE 1981a(4) CONSUMER RIGHT TO PRIVACY. THIS
BANKRUPTCY SHOULD NOT BE ON MY CREDIT/CONSUMER REPORT
XXXX XXXX Bankruptcy
Case Number: XXXX
THE BANKRUPTCY COURT TOLD ME THAT THEY DO NOT FURNISH THIS INFORMATION TO ANY
CREDIT REPORTING AGENCIES. THIS IS A VIOLATION OF Fair Credit Reporting Act, 15 U.S.C. 1681g
AND WITH THAT I HAVE THE RIGHT TO DEMAND THAT YOU DISCLOSE TO ME ALL THE DOCUMENTS
THAT YOU HAVE RECORDED AND RETAINED IN YOUR FILES AT THE TIME OF THIS REQUEST
CONCERNING THIS ACCOUNT THAT YOU ARE REPORTING IN MY CREDIT REPORTA
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE
REMOVED IN 4 DAYS 15 USC 1681C-2
XXXX
Date of inquiry: XXXX
Please ensure that all information is accurate. If not proven delete this immediately.
3. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an
error this account in violation.
XXXX XXXX
Account Number: XXXX
Please correct/update this inaccurate information on my credit report.
4. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an
error this account in violation. XXXX XXXX
Account Number: XXXX Please correct/update this inaccurate information on my credit report.
5. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN
ERROR THIS ACCOUNT IN VIOLATION
XXXX
Account Number: XXXX
PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE
THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA
623(a)(2)(B)
6. UNDER 15 USC 1666B THIS IS A BILLING ERROR I ALWAYS PAID AS AGREED ON TIME THIS IS AN
ERROR THIS ACCOUNT IN VIOLATION
XXXX XXXX XXXX Account Number: XXXX
PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE
THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA
623(a)(2)(B)
7. You are in VIOLATION of the 15 USC 1666B. This is a billing error always paid as agreed on time this is an
error this account in violation.
XXXX
Account Number: XXXX PLEASE DELETE LATE PAYMENT AND DEROGATORY REMARKS. THIS IS PAID PLEASE UPDATE
THIS ACCOUNT TO POSITIVE AND MAKE ALL information reporting is accurate as required by FCRA
623(a)(2)(B)
8. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX The Fair Credit Reporting Act specifically details that all items within a consumers credit report
must be reported with 100% accurate information (not 99.9% or less), must be 100% verifiable
(not 99.9% or less), must be 100% complete information (not 99.9% or less), and must only be reported during the allowable
reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that
the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore,
please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above
account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information
as contained on the reported trade- line is in fact 100% Accurate, Complete, Verifiable, AND Timely. Please do not provide some
generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further
perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study
proved that over 79% of consumer credit reports contain errors. Another report shows that more than 90% contain errors. Why does
your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of
this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is
causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit
Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA,
as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take
any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying
with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful noncompliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the
flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will
be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any
unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this request and greeting
your mistakes CORRECTED.
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS
OFFICE
Sincerely, XXXX XXXX
CC:XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection
BureauXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX: XXXX XXXX XXXX XXXX XXXX XXXX XXXX
CC: Consumer Financial Protection Bureau via fax XXXX XXXX
CC: Attorney Generals Office
CC: XXXX XXXX XXXX
CC: State Senate
CC: Federal Deposit Insurance Corporation
CC: Comptroller Of The Currency
CC: Federal Reserve System
CC: Credit and insurance
CC: Federal Trade Commission
CC: State Regulatory agenc
|
| 02/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute CenteXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, California XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
|
| 12/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
|
This concerns Identity Theft in which I am the victim. There are several different accounts listed on my credit profile that I did not open or had anything to do with whatsoever. These accounts are a direct result of someone stealing my credit information and opening credit cards, personal loans. I have sent XXXX, as well as the other two credit bureaus, all the necessary documents and information that they have requested. The documents I sent was a Federal Trade Commission report, a Police report that was filled out by a senior Police Detective, other evidence that I sent along with these, going beyond what I was required to send. I have reached out to every company in question about this identity theft case. These companies keep saying that the accounts are legitimate, which of course would be their trained response. Obviously these companies know that the thief that stole my credit information will never pay these companies their money, so instead they go after the victim. I explained this to XXXX several different times but they keep going along with the companies in question. On one occasion of correspondence, I spoke with an XXXX supervisor concerning this case. Angrily I ask a question, which was, does XXXX have the consumer at their best interest, or is their loyalty with these credit card companies and loan companies. The supervisor told me that yes they pretty much side with the companies. I shouldnt have to suffer and pay for something that I did not do. Having a Federal Trade Commission report as well as a Police report should have satisfied these companies, but instead they blame me knowing that I didnt open these accounts. A lot of these accounts I have never even heard of before. Im very very upset. I think even beyond upset. I fought and was injured in the XXXX XXXX XXXX. I have severe XXXX, and this whole ordeal is making it much much worst. Every time I call and discuss this case, they say the same thing over and over, hoping that I just accept it and go on. Im not accepting anything that I had absolutely nothing to do with. Doing my own investigation, I found that whomever is responsible for this, bought a lot of items online. I called the companies and asked them where these items actually went to being delivered. I found out that the deliveries wasnt even delivered to my addressed. As a matter of fact, not even in my state. A XXXX Veteran shouldnt have to have their identity stolen and then be blamed for accounts that they did not open. Im very angry and I want all those accounts removed from my credit profile. Im already taking names from XXXX as well as the companies in question names, so that I can file criminal warrants against them for Identity theft. One of the names is XXXX XXXX, a supervisor at the consumer affairs division for XXXX. Others Im still gathering their information, but will have it very soon. I will be prosecuting every one of them. See, this a is serious situation. Now maybe these liars that work for XXXX and the companies in question, dont take it serious, but I do. This is my life and I will not walk away. I want these dirty underhanded liars to pay for the illegal activity that they have been taking part in for years. I even reached out to several other victims on a forum that was created by victims going thru the exact same issues. This is no coincidence. These crooks with certain job titles that work for XXXX, as well as the other two credit bureaus, have been accepting money to side with the credit cards companies and loan companies as well. I really believe that this is going on. There are too many people who have been victimized, that can not receive justice. And this is with all the necessary documents and police reports, and faxes of requested information that is successfully given to these credit bureaus. They just take the word of these credit card companies without any evidence that supports their outcome. Its a shame that Im being treated this way, and I had nothing to do with it. I proudly put my life on the line in the XXXX XXXX XXXX. Was wounded, not XXXX XXXX XXXX XXXX XXXX. I cant sleep most nights, because of the severe night terrors that have stayed with me every since I made it back home. I see a XXXX twice a month at the VA, as well an outside XXXX. I have a very very hard problem turning off what I had to be and do in XXXX. I dont like getting angry, because I cant process and control that emotion like anybody else. Especially when Im not in fault. Im definitely gon na contact my attorney General for my state as well as my superiors inside the Military. And as I made clear, Im filing warrants against XXXX XXXX, a supervisor at the consumer affairs division of XXXX, as well as all parties involved that work for the companies in question concerning this Identity Theft case. Its really ridiculous that a person has to go thru all this because of several crooked individuals that illegally accept money from these credit card and loan companies. And a Veteran no doubt that fought in war to protect their freedom. Im contacting every available news networks and platforms online and offline to share this information with them and then in turn the whole world. Ill create 100 videos on XXXX given all this information, including names and their job titles. Im gon na send 100 letters to all companies involved. I guarantee you, they will know my name. I WANT THE COMPANIES IN QUESTION REMOVED FROM MY CREDIT PROFILE IMMEDIATELY. 1/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im not gon na just let it go, because this is my life. And I will fight for my life. Why dont they apprehend the lazy thieving criminal XXXX that stole my XXXX credit information? They havent did anything remotely related to even looking for these criminals. This is why so many victims are suffering because these companies dont ever plan on looking for these thieves. They rather attack the victim because they know that these victims dont want their credit profile to stay destroyed. So see, these crooked companies not only demand, and in lots of cases, get the money from the victims, they also receive money from insurance coverage as well. If I have to create 2000 videos on XXXX about all this, I will. If I have to write 2000 letters to each one of these companies in question, I will. If I have to file criminal warrants against the names that I have, I will.
|
| 01/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Transunion is by far the worst credit bureau out there and makes the least amount of effort in helping victims of identity theft and fraud. My 2+ years odyssey of removing fraudulently opened accounts in my name have been difficult at all of the bureaus, but it has been most difficult at Transunion. Transunion doesn't, unlike the others who did this on occasion, does not go out of its way to make disputing inaccurate information from one's credit file easier, and their inability to keep fields accurate should not be a surprise since they literally seem to have no clue on how to do basic investigations for their hobs, either. At first I thought this haplessness was malicious and was wilfully done and planned, but over the past two years I have come to realise that they are not evil, they are just completely and incontrovertibly incompetent at what they do.
All of the bureaus usesome overseas call centres, but only Transunion (TU) seems to have found call centres that are worked at by the most incapable customer service staff that they could find anywhere. Most of this incompetent staff disappeared during the pandemic and I found it impossible to dispute fraud accounts with TIU because of this . As the first and second lockdowns wound down, I finally got in touch with with support staff, who did little to help me and the fraud accounts remained. Their website is quite possibly one of the worst websites for anything i have ever seen. Over the past two years i attempted to upload supporting documents about 10 times, and the upload feature failed in about 60-70 per cent of the time. That's remarkable you would almost have to be trying to make uploads impossible for anyone to reach those kinds of negative number, but TU manages!. Slowly, by disputing directly with the merchants or via the other two bureaus investigations, things were removed from TU's file but not because of any effort on their part. I was able to remove ALL negative info from the others, but from TU's file they refused to reinvestigate or help with a fraudulently opened XXXX XXXX XXXX XXXX that remained on the file along with despite numerous FTC identity theft reports filed an given to them, along with multiple police reports of identity theft and fraud.
On 1/19/2022. I resolved to take care of this once and for all. I had spent two hours that day and the past week trying to file an online dispute and upload supporting documents. I had recently got an official identity theft report from XXXX XXXX police, and I felt maybe this along with the other materials, it would finally force TU to respect the law. But I was unable to do a simple file upload. So that day I called TU and after wasting an hour talking to clueless employees and after one of them hung up the phone on jee intentionally whilst I was talking on the other end of the phone, I was able to get a supervisor who was trying to be helpful and filed a dispute against the XXXX XXXX XXXX card entry in the report and filed two disputes of hard inquiries that were on the file. He then gave me explicit instructions on what info I should provide with the police reports in that letter, which I followed. He said the the disputes would wait for these documents as long as it took to get there by snail mail, especially since i had informed him that I was doing research while temporarily in the XXXX and therefor it would take at least a week before they could get to XXXX from XXXX. These were mailed with a cover letter on the following Monday as I had to do it from the post office. I have a receipt that show these were mailed to TU on 01/24/2022 and the labels were paid for and printed earlier that day. The very next day i logged into TU's online account but saw there were no current or active disputes which i knew was impossible. ButI I did assume TU had dropped the ball somewhere already, so I did an online dispute of those same issues with fraud accounts and inquiries. I was able to upload the same support docs i had sent to TU's base in XXXX PA the day before. But I went back into the same website the very next day and rather amazingly, there were no current or active disputes. I called TU and the XXXX who work their phones could barely put together a competent thought let alone provide an explanation for this. I spoke to another supervisor and what i was told was absolutely remarkable. TU had closed each dispute within hours filing them and only hours after their supervisor promised that this would not happen--and they closed them claiming that XXXX XXXX, their long-standing customer and client, had allegedly verified the account as belonging to me. This contrasts with what XXXX XXXX has now told me me over two telephone calls, mainly thatit did not appear that TU had ever asked for a thorough verification and their specialistwere puzzled as to how these could have beeb queried and verified in mere hours when they have no record of this at all and essentially blamed TU for violating laws. After several minutes of arguing with the TU supervisor about the claim that they had great evidence, it finally came out that TU had not a single piece of evidence to reasonably allowed them to justifiably deny my disputes for the past two years and yet, knowing this, they were still not willing to help me. I was flabbergasted. I was incensed because his colleague, a fellow supervisor, had made me mail in documents from overseas that TU already knew that they would never look at and did not care about. They did an 'investigation' that looked at no evidence done by their computer system in a single day if not just a few minutes. And they did it TWICE to the same disputes that wee and never once looked at the supporting documents that they asked for. I asked them if when they receive my mailed documents will they reopen it and investigate it, and he replied 'probably not.' At this point I told him that TU seems to not understand how to do their simple job and do not know how to go about upholding the rights given to consumers by the federal and state governments. And since they had done a 30-day investigation, whichI I had always suspected were glossed over by the bureau, this was proof enough for me. So I verbally invoked my right as a XXXX resident to have accounts that were opened by theft of identity, permanently blocked from my report. TU did not see to be aware of the law and basically refused to block despite the law. They basically dared me to sue them.
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| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I purchased the truck XX/XX/XXXX. Loan Account # On XX/XX/XXXX, the truck was involved in an accident with a fatality on XXXX XXXX XXXX. Louisiana XXXX Police towed my truck to a wrecker yard of my choice as well as the other vehicle, but a hold was placed on the vehicles due to the fatality and the investigation into the cause of the accident.
The wrecker yard that I asked them to bring my truck to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX Louisiana because I work in XXXX and I am familiar with that location and easy access for me during the day. As standard operating procedure XXXX XXXX XXXX mailed a letter stating that the vehicle was placed in their position due to a wreck and they copied that letter to the lienholder which is XXXX.
I was in communication with XXXX XXXX XXXX throughout this event. It was because I was in contact with them that they called me to tell me that my bank was trying to pick the vehicle up and said that once the state police released the hold that they could not stop the bank from picking up the truck. I said my notes are paid and I do not have a clue as to why the financial institute would be trying to pick up my truck. This is odd. I had a lot going on due to the injuries my husband sustained in the wreck and tried daily to XXXX XXXX on the phone which is a task within itself. I never could get them on the phone and noticed they blocked/disabled my app that I used to pay the note on the vehicle.
During this time, my insurance was trying to get to the vehicle to do a damage report and we were trying to find out the responsible party insurance to file a claim with them. We could not get this info until later due to the owner was the fatality in the wreck.
After the XXXX police released the hold on the totaled vehicle, XXXX was able to illegally take possession of my vehicle which resulted in me not knowing where my property was, and they refused to tell the responsible insurance party where it was located for them to do a damage estimate.
I got XXXX on the phone finally only by being transferred to the repossession department and was told that they took possession of the vehicle to protect their interest in the vehicle so the towing yard could not sell the property. They stated that they received a letter from the towing yard and started the process to take possession of it. Tow yard sent out their standard letter they are required to send by law and CC to lienholder and when the incompetent XXXX employee got that notice they started this whole repossession fiasco and hindered the insurance companies from viewing the automobile to do the damage estimate after the state police released the automobile after their fatality investigation. The vehicle was not even close to being in the stage where the towing yard had a right to sell anything.
All that I am putting in this letter is a short version of a long drawn-out terror that XXXX has added insult to injury.
During this drama I had to stay on the phone with Ally day after day only to find that they sent my truck to auction to sell it. I was able to stop the auction yard from doing anything until XXXX, which is the responsible party, could view the truck to do the estimate which was also a total loss. Keep in mind all this time my notes are paid.
I never received one letter from XXXX telling me that they were trying to get my truck for any reason much less did I receive a letter stating they had my truck and was going to sell it at auction. It was after I got a lawyer involved and he was eventually able to drag some information out of them. They emailed him a letter that said they mailed me which the contents of the letter read more like ransom note. The only money they wanted from me was the money they paid to the towing company, the towing company they used to illegally pick up my truck and the extortion fee they called a repossession fee because they went and took possession of it illegally and then charged me for it. All they say to protect their interest in the truck. They have made it almost impossible to have the damage to my personal property settled. To this very minute they will not acknowledge the money they have been paid by insurance company and they have my account listed as closed which they closed when they picked my truck up illegally.
The emailed letter said I broke a promise in the contract. ( by allowing it to get towed ) My experience with XXXX has been a complete and utter joke and I hope someone can investigate the whole inner workings of this financial institute.
Important : Not one but two different insurance companies. Meaning even if the responsible party insurance did not pay then my insurance would for sure PLUS Gap insurance to cover whatever the insurance did not cover.
WHY WOULD ALLY DO THIS TO ANYBODY?
Ally stole my property and charged me for them taking it.
Ally made it impossible to settle my personal property claim on time.
Ally is falsely reporting to credit bureaus to intentionally cause harm to my credit.
Additionally, as if what's listed above is not enough, XXXX canceled my life insurance policy and to this day I still have extended coverage on the vehicle and they will not refund my money.
Additionally, after numerous failed attempts to have them correct their malicious behavior by removing the repossession from my credit now I have to add that they stop increasing the balance on a closed account. This malicious, obviously a standard operating procedure for them is continuing to damage my credit, health and financial situation.
I have all the documentation needed to support my claim of XXXX malicious behavior and I am on a mission to get this corrected by sending this information to my representatives, senators, Federal Reserve, XX/XX/XXXX which they are not an accredited member of and an attorney that handles fair lending malpractice and false credit reporting.
For over a year I have been trying to get XXXX to correct their mistake and they refuse.
I had no choice but to allow it to be towed due to its conditions in the wreck and the state police putting a hold on it due to the fatality in the wreck.
Additionally, see attachments for letter and title from Ally mailing my tile and/or lien release dated XX/XX/XXXX but yet the malicious incompetent behavior of report to credit bureaus incorrectly continues to this very day and todays date is XX/XX/XXXX. Over a year later. XXXX help me to find a lawyer that is willing to help me.
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| 07/15/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am requesting that you immediately delete information off of my credit report that isnt mine. I listed all accounts in Identity Theft. After investigation I found out that all of this account were opened not by me. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below.
I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges.
Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts.
If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!
The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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| 02/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX CFPB complaints along with an FTC Identity theft report were submitted to all 3 major CRA 's. However, your company have refused to block the information as defined in FCRA 605B and Title 15 USC 1681c-2. You have no authority under any Federal or State law to report anything on my consumer file without my written or oral consent. Please provide me a copy of my oral or verbal consent or you will be held criminally liable for all violations pursuant to 15 USC 1681m. 1. ) The request to block the information requested was NOT done in error since I went through the trouble of creating an identity theft report. 2. ) My request was not a material misrepresentation. 3. ) If you believe I obtained goods and services, you must prove that I did. 4. ) a consumer reporting agency MAY NOT RESCIND a block based on information that was already on my consumer report prior to the blocking of such information. That is NOT evidence of whether the consumer knew or should have known that the consumer obtained any goods, services or money as a result of the block. If you rescinded a block, please PROVIDE ME with this new evidence you obtained that you did not already have. If a company verified the debt, please provide me with the new evidence they obtained. All I received was copies of a consumer contract and/or financial statements. If I received goods and services, please have a senior executive certified under the Penalty of Perjury that I have in fact received goods and services as a result of this transaction. However, I know you can not prove this because its not your business and you were not a witness to the transaction. If you allowed a company to willingly display information without verifying or interviewing me to verify its authenticity, then that's FRAUD because you'll allow ANYONE and ANYTHING to be furnished without my consent. A COPY OF A CONSUMER CREDIT CONTRACT is NOT sufficient to validate a debt- -Reference Case Law : Pacific Concrete F.C.U v. Kauanoe, 62 HAW. 334, 614 P.2d 936 ( 1980 ) -Actual damages are not capped at {$1000.00} ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. ) XXXXI do NOT have to show actual proof of actual damages- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Under the FCRA ( Fair Credit Reporting Act ) you are NOT being fair! Your investigations are biased and unfair, especially when only asking one side of the story in your investigation. It seems like anyone can open an account in my name and you will report it without asking me if the transaction actually happened. That is very UNFAIR. You are giving more power to an organization over the actual consumer/creditor/natural person. Title 15 USC 1681 ( a ) the first statement states " ACCURACY and FAIRNESS '' of credit reporting. Accuracy is about equity! It has to be equitable to the consumer which is I the natural person. Must be fair on both sides. What's fairness? Fairness is conducting a thorough investigation and gathering evidence from both sides. However, when someone applies for a credit extension under my name, and the financial institution reports it to you, with you verifying the information with me and asking for my consent, is that Fair?? The banking system is DEPENDENT upon FAIR and ACCURATE credit reporting. Inaccuracy IMPAIRS the efficiency of the banking system, and your unfair and deceitful credit reporting methods undermines my public confidence in an ELABORATE MECHANISM who ONLY assumed this vital role in assembling and evaluating information on consumers. However just because you assumed this role, DOES NOT mean you have the authority to do so. Your authority comes from the consumer/natural person and no one else. I am effective immediately revoking your authority to furnish and report I DO NOT consent to. Under the FCRA Title 15, congress has made it very clear to me that YOU ARE NOBODY! You have made yourself bigger than what you are by deceitful tactics, and you don't have the power or authority to do what you are doing. You keep sharing my address, which puts my life at risk. You have shown displays that you have failed to exercise your grave responsibilities with fairness, impartiality, and respect for the consumers RIGHT TO PRIVACY! THE RIGHT TO PRIVACY IS NOT AN OPTION!!!!! title 15 usc 1681 defines the word consumer as the natural person. Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the Surname/given name XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matter proceeding, and I hereby claim that I will XXXX XXXX XXXX XXXX & XXXX as the agent , attorney in fact, so be it : I am writing to inform you of a XXXX Data Breach & compromise of my private , vital personal Information. Pursuant to 15 USC 1681 ( a ) ( 4 ) your company failed to ensure the Information reported was accurate & failed to exercise their grave responsibility with fairness & Impartiality. Why was I never contacted to discuss these matters? Why wasn't I made a part of the original investigation? Sounds like you gave dead-entity corporations & rights never granted. This is Identity theft and fraud. A consumer report is ANY written, oral or other communication of ANY information. Since a consumer report can be written, I am speaking for myself on my own behalf, I am assuming this vital role as a creditor and Im telling you this information is fraudulent and inaccurate. You claimed to investigate with the companies referenced in my FTC identity theft reports, but how did you investigate something with a NON-LIVING person? Even if you spoke to an agent, how do they have first-hand knowledge of the information being furnished?? Do you have a financial interest in furnishing all information regardless of it being valid or invalid?? I know you do because Title 15 USC 1681a ( d ) ( 3 ) ( f ) clearly states that the term " Consumer Reporting Agency '' means ANY person which, for MONETARY FEES, DUES, engages in whole or part of the practice of assembling or evaluating consumer credit information on a consumer. So, Third party companies sell you information, and you turn around and sell that information to other third parties. Due to your behavior, I have suffered damages, extending to Stress, anxiety, marital problems with my wife, XXXX, weight gain, loss of time with family, hospitalization and much more.
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| 09/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am requesting that you immediately delete information off of my credit report that isnt mine. I listed all accounts in Identity Theft. After investigation I found out that all of this account were opened not by me. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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| 08/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am requesting that you immediately delete information off of my credit report that isnt mine. I listed all accounts in Identity Theft. After investigation I found out that all of this account were opened not by me. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Bureaus have been reporting inaccurate information selling my private information compensating from my trust The information that the bureaus are using in the public selling consumers private information to make a profit is private property of the XXXX XXXX XXXX XXXX XXXX. You have not received permission to use, nor have you compensated the beneficial owner of the private trust property. All of your credit reports are inaccurate as I am the original creditor that has extended credits to all financial institutions making any reports to you about the principal, I am in care of XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
The creditor have yet to show proof of possession that they are the XXXX XXXX holder of the XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX ]? Can the bureaus show proof of possession of an equitable title or certificate from the XXXX with rights of use of the private property of the XXXX?
These XXXX creates a constructive trust and you are now being appointed fiduciary with limited power to act on behalf of the XXXX XXXX XXXX XXXX. Since you are assuming the position as debtor in respect to property held in the XXXX XXXX XXXX XXXX XXXX and using the private property to make a profit in the public without compensation the beneficial owner, I now demand from the bureaus the following things : XXXX. XXXX XXXX XXXX XXXX XXXX fraud by stating there is money owed. You are apart of this conspiracy by also reporting the fraud as well. I demand you report that all payments and accounts are fully current and there are no late payments and or missed payments. I demand that the consumer credit score of the XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ] stay at XXXX and always in perfect standing. Remove Closed Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX that I missed.
Remove all hard inquires XXXX XXXX, Best XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Can you ( the bureaus ) or the corporations making fraudulent reports show proof of possession of the original negotiable instrument in order to enforce the instrument? Can you Show proof ( or the corporation ) that the original note was not destroyed voluntarily by way of securitization discharging all debt?
Claiming there is an alleged debt when the Bill/note was destroyed by way of securitization therefore fully discharging all debt between parties according to U.C.C XXXX XXXX a ) A person entitled to enforce an instrument, with or without consideration, XXXX discharge the obligation of a party to pay the instrument ( i ) by an intentional voluntary act, such as surrender of the instrument to the party, destruction, mutilation, or cancellation of the instrument, cancellation or striking out of the party 's signature, or the addition of words to the instrument indicating discharge, or ( ii ) by agreeing not to sue or otherwise renouncing rights against the party by a signed record.
This is fraud and misrepresentation of the material facts, the character and legal amount of debt. This is an ultra vires act, usurping powers that are not within your charter/Bond nor authorized by law.
Any false representation of material facts made with knowledge of falsity and with intent that it shall be acted on by another in entering into contract, and which is so acted upon, constitutes fraud, and entities party deceived to avoid contract or recover damages. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX F XXXX XXXX.
XXXX XXXX XXXX said : The doctrine of ultra vires is a most powerful weapon to keep private corporations within their legitimate spheres and to punish them for violations of their corporate charters, and it probably is not invoked to often. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX WHEREAS As all government entities and alleged private corporations must be a creature of the American Constitution, this is a formal Request and Command for you to produce for the record, the Legislative Act that created your Authority to 1 ) enforce an instrument you are not in possession of, 2 ) or to enforce an instrument that was destroyed by way of securitization a voluntary act to discharge all debt. 3 ) Prove your authority to legislate over the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LIVING TRUST. Take notice that a de facto basis for powers of authority is not sufficient in this matter. Failure to provide proof of your de jure authority appointed from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LIVING TRUST constitutes your actions as ultra vires and by operation of law your Charter is dissolved by usurping powers you do not have, a trust arises, and I become beneficiary of said trust. As beneficiary to your dissolution, I special deposit for credit on account and order all debts be paid from your capital stock.
XXXX. Conclusion : Do you have the original bill ( negotiable instrument ) in your possession to enforce the instrument to report payments of a debt? Can you prove the original note was not destroyed by way of securitization and discharging all debts? Do you have the certificated security instrument issued by the United States to show proof of possession over the principal debtor for subrogation rights over all proceeds of the principal debtor?
If you can not prove or rebut anything stated within this legal document, you fully agree with all demands being made. Your silence is acquiesced and considered as all demands will be met accordingly. You Now have 10 business days to fully respond to this legal document. I have already given many options to correct.
For all damages and harm caused to the XXXX XXXX XXXX LIVING TRUST I make the following claims against you according to the Fee Schedule of the Trust : XXXX. XXXX and False Statements- {$30000.00} XXXX. Conspiracy- {$250000.00} XXXX. Failure to Respond- {>= $1,000,000} ( If you fail to respond to this ) XXXX. Failure to Respond as Outlined in this Notice of Claim- {>= $1,000,000} XXXX declare under penalty and perjury under the laws of the United States of America XXXX the foregoing is true and correct. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX LIVING TRUST, XXXX XXXX XXXX Precedent Estate, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX speaking in my behalf.
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| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.
It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.
The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.
I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.
I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.
Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts.
COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX Policy states ...
According to the FAIR CREDIT REPORTING ACT " FCRA '' 611 ( 15 U.S.C. 1681 ), Procedure In Case of Disputed Accuracy ...
( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( a ) In general. Subject to Subsection
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| 10/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.
1. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 3. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXXXXXX XXXX 5. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX 6. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXXXXXX XXXX XXXX XXXX NJ XXXX 7. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NJ XXXX 8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. there is some inaccurate information reporting.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. there is some inaccurate information reporting.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
23. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
24. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
26. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
30. there is some inaccurate information reporting.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
32. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
33. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately.
36. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately.
37. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately.
38. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately.
39. Identity Theft XXXX XXXXXXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately.
40. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately.
41. Identity Theft XXXX XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately.
42. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Delete this account.
43. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately.
44. Identity Theft XXXX Account Number : XXXX As A Consumer By Law This Account Must Be Removed Immediately.
45. there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
46. there is some inaccurate information reporting.
XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
47. there is some inaccurate information reporting.
XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
48. there is some inaccurate information reporting.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
49. there is some inaccurate information reporting.
XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
50. there is some inaccurate information reporting.
XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
51. there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
|
| 08/31/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have filed an identity theft report with the FTC and submitted documentation and proof regarding requirements of the FCRA. Upon Transunion receipt of documentation of my FTC identity theft report, I called Transunion and notified them regarding the Fair Credit Reporting Act, 15 USC 1681c-2 ( a ) Block of information resulting from identity theft specifies, ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
In fact of them receiving my identity theft notice I called Transunion and the representative stated that they don't remove, delete, or block accounts of the consumers, even though the consumer has reported identity theft with an FTC report to them. The Transunion Representative also stated that they don't operate under the FCRA, and that their policies and procedures doesn't require them to block, remove or delete accounts reported for identity theft, I then asked, under their policies and procedures proves his statement of non-removal of identity theft report accounts? The representative stated that he doesn't have access to their procedures at the moment and they don't go based off the FCRA law and that it is not required for their policies and procedures. I attached a cover letter along with my FTC report, letting Transunion know the details. However, the representative stated that my identity theft report was denied and that the FCRA doesn't apply to them with identity theft reporting. Under FCRA I took the proper steps along with an Affidavit Of Fact notifying Transunion. As a victim of identity theft I am helpless and bullied by Transunion, for them having any knowledge of their policies and not knowing and following the laws under FCRA, in which has deemed and caused me injury as well as not being able to obtain the necessities as a natural human being given by God. I am not only a victim of identity theft but I have now became a victim of bullying by Transunion. Because their policies and procedures doesnt include FCRA laws.
1.In Fact and truth, Please know that in my identity theft report that I mailed to Transunion via Certified mail that I am/are/was not requesting validation of any accounts that are generated by them on my consumer report from identity theft.
2.In Fact and truth, I am and not requesting an investigation regarding these fraud accounts to be investigated.
3. In Fact and truth, Transunion was notified that the authority of the block request can not be declined or rescinded pursuant to 15 usc 1681c-2, 605B in fact and truth that : * ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
As A, B, C of 15 USC 1681c-2 doesn't apply to my Identity theft report.
4. Pursuant to 15 USC 1681 c-2 ; I provided all necessary documents as proof of my identity, in which 15 USC 1681c-2 states : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
5. In fact and truth, Transunion has failed to acknowledge and remove incorrect/fraudelent addresses per written request with FTC report.
Again, Pursuant to the FCRA, The 4 days at the consumer giving notice of identity theft Transunion hasn't complied with law and continuously fails consumers by not educating and teaching their representatives the Fair Credit Reporting Act to be in compliance with law. Not a request to validate or investigate but, to notify of identity theft fraud and take action Pursuant to 605B.
In fact, under the FCRA, not only have Transunion neglected 15 usc 1681c-2 as expressed in this statement and a sealed and signed Affidavit of Fact which now stands as True by default because they have ignored my Affidavit of Fact, WITHOUT AN UNREBUTTED AFFIDAVIT OF FACT. Also, as fact that due to negligence they are held civilly liable by default pursuant to 15 USC 1681n-Civil liability for willful noncompliance- ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I am not seeking validation, I am seeking that they Adhere to educating their representatives of the FCRA and follow federal law that was put in place not only to protect consumers but, to also make sure that they produce and report true information.
FTC report # XXXX and FTC # XXXX with an attached letter stating identity theft report along with required identifiers to show proof of my identity.
|
| 09/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
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|
Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report. The account listed XXXX Account XXXX XXXXXXXX has several inconsistencies reporting which leads to the reporting agencies not maintaining accurate reports.
Last Verified : XX/XX/XXXX -- -- Date Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
|
| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
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Transunion, XXXX, and XXXX continue to report inaccurate information on my consumer report for the listed account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
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| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth XX/XX/XXXX SS # XXXX I am submitting this complaint on my own free will and without the help of a third party. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY NON PUBLIC PERSONAL INFORMATION ) I DEMAND PROOF OF AUTHORITY THAT GAVE YOU PERMISSION TO REPORT INACCURATE AND FRAUDULENT ITEMS ON MY CONSUMER REPORT! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist!
If you're not the holder in due course you can not legally try to collect or enforce a claim against me. The law says that Under the UCC 3-302. HOLDER IN DUE COURSE. ( c ) Except to the extent a transferor or predecessor in interest has rights as a holder in due course, a person does not acquire rights of a holder in due course of an instrument taken ( i ) by legal process or by purchase in an execution, bankruptcy, or creditor 's sale!!
The information listed below, which appears on my consumer report, does not relate to any transaction ( s ) that I have made. I have a right to privacy according to the fcra, and your unauthorized reporting has violated that by furnishing non verified, fraudulent and inaccurate information. You do not have my permission to furnish any information on my consumer report in the first place. You are violating the fcra! YOUR COMPANY IS IN VIOLATION OF 18 U.S. Code 1028A - Aggravated identity theft because you knowingly obtained and used my non public personal identifying information without lawful authority.
Please provide the original contract of indebtedness ( with my original wet signature ) if indeed your claim is true. In addition, I would like for these companies to show legal documents proving they have the legal right to collect on the alleged debts in my state and city.
I DEMAND THE BELOW ACCOUNTS BE REMOVED IMMEDIATELY XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX The below information is being reported without my consent and without proof that these items even exist XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file.
XXXX. Provide a Certified copy of the full chain of assignments starting with the original creditor to any and every 3rd party collection company to present.
Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : XXXX. File a complaint with the Attorney General XXXX. File a complaint with the XXXX XXXX XXXX XXXX. File a Law Suit against you for harassment, Defamation of character, fraud, extortion, and invasion of privacy.
You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me with your agreement, in writing, that you are closing your file, Ceasing collecting activity, and deleting all information related to the above account reference numbers from any and all consumer reports youve furnished the information to specifically Transunion, XXXX, and XXXX am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 15 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
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| 11/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I submitted a complaint to CFPB about XXXX XXXX XXXX/XXXX XXXX ON XX/XX/XXXX. This complaint was apparently not sent to the original creditor ( XXXX/XXXX XXXX - but to XXXX and TU only ). That complaint was in regards to a number of issues - ongoing false information being reported to credit bureaus ( XXXX and TU ) as well as complaint about unresolved billing errors by XXXX/XXXX XXXX. Along with that complaint, I also provided you ( CFPB ) with attachments/supporting documentation which clearly shows that XXXX/XXXX XXXX has been furnishing credit bureaus with inaccurate ( false ) information and have failed to truly investigate and correct extremely obvious errors in reporting as well as for billing errors. After submitting that last complaint re XXXX XXXX/XXXX XXXX to CFPB on XX/XX/XXXX ( which according to info I received from you was then sent by to XXXX and TU ), I received a letter in the mail from XXXX re the dispute ( letter dated XX/XX/XXXX ). XXXX informs me in this letter that they " updated '' their information based on new information furnished to them directly by XXXX XXXX/XXXX XXXX. This updated information is also completely inaccurate ( false ). They have changed dates, amounts owed, payment history, account balances/credit limits, etc. numerous times in response to previous disputes and each time the information is completely inaccurate/false. I am submitting an attachment of the info XXXX provided me with reflecting most recent info provided to them by XXXX XXXX/XXXX XXXX. I have heard nothing from TU though your website states that you closed your investigation re my complaint about TU. My complaint is about XXXX/XXXX XXXX and their billing errors, charging of late fees, not applying payment I made in full ( paid off the entire account to XXXX - though never credited and the account was closed by creditor. Yet, now ( please refer to attachments I am including today of Experian 's " updated '' info furnished by XXXX XXXX/XXXX XXXX ) it is being reported that I am currently carrying a balance, making payments, that my credit limit/high balance was {$3500.00} ( even though another part of my report says credit limit was {$140.00} ( this too is false - the original and only credit limit was {$700.00} ). This is what they are reporting evn though it also states that account was closed at credit grantors request in XX/XX/XXXX with a balance of XXXX. My last complaint/attachments to you was apparently not sent to XXXX XXXX/XXXX XXXX but just to XXXX and TU. My complaint is directly related to XXXX XXXX/XXXX XXXX due to unresolved billing errors dating back over two years as well as ongoing furnishing of completely inaccurate information to credit bureaus, failing to investigate and correct errors - despite having more that adequate information to investigate and and make the appropriate corrections. Instead, the most recent numerous changes to my report, the " updated '' information provided to the credit bureaus ( in this case to XXXX ) by XXXX XXXX/XXXX XXXX is ( once again ) completely inaccurate/false. I turned to CFPB previously because of the ongoing difficulties with XXXX XXXX/XXXX XXXX. I would like this issue resolved/addressed with XXXX XXXX/XXXX XXXX. This creditor ( XXXX/XXXX XXXX ) is unbelievable - I am absolutely amazed that they are allowed to conduct business in this manner while consumers go unprotected and end up paying the price. I am hoping this will finally be resolved and I can move on - otherwise, I will continue to pursue whatever additional legal avenues, etc. needed to achieve a fair resolution to my complaints ( which again are indisputable - documentation backing up each and every one of my complaints ).
Additionally ( not included in my prior complaint to CFPB ), if this is any further indication/proof of how problematic their reporting practices are ( and obviously another credit reporting violation ), XXXX/XXXX XXXX has been reporting a previous XXXX account I had that I closed myself ( always in good standing ) back in XX/XX/XXXX! This long closed account was closed at my request in XX/XX/XXXX ( originally opened in XX/XX/XXXX ). It remains on my report over 20 years after it was closed. This closed account has remained on reports from two of the credit bureaus ( and the information contained on the two credit bureau reports are both different - one credit reporting bureau stating that the account was closed in XX/XX/XXXX and the other reporting bureau reporting it was closed in XX/XX/XXXX ). This creditor will finally step up and seriously investigate my list of complaints/disputes and respond accordingly.
The following is what I submitted to you on XX/XX/XXXX regarding XXXX XXXX/XXXX XXXX ( along with the supporting attachments documentation ) : I have made repeated attempts/requests for XXXX XXXX XXXX XXXX/XXXX XXXX, as well as major credit reporting bureaus to investigate billing errors and inaccurate reporting. I have submitted disputes, made clear to creditor and credit bureaus what the errors are ( which are quite obvious ) and I repeatedly get responses to my disputes that the information they are reporting is " accurate. '' The information on my reports are clearly not accurate, yet all I get are generic form letter responses stating that info is being reported as accurate. I paid XXXX credit card online in full on XX/XX/XXXX, checking account/payment info was submitted and accepted in their system and the payment was processed. Later, I see that this payment was " rejected '' ( whatever that means - they have yet to explain this to me ) and that they were demanding payment for " unpaid, late balance. '' They continued charging late fees, interest charges, etc. XXXX XXXX repeatedly reported a number of different dates/months which they claim I was late and they currently state that I was 90 days late in XX/XX/XXXX when my first bill/payment was not even due until XX/XX/XXXX. Please refer to additional documentation for a breakdown of this situation and proof that XXXX XXXX/XXXX XXXX as well as the credit reporting bureaus have been neglectful in investigating my disputes and have been reporting a variety of inaccurate information. I have never had such a difficult time with a creditor and the credit reporting bureaus - this situation has been frustrating, distressing. I am hoping to receive some help for this issue - which has been going on for approximately 2 years now. Thank You.
|
| 11/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth XX/XX/XXXX SS # XXXX I am submitting this complaint on my own free will and without the help of a third party. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I DID NOT GIVE MY WRITTEN CONSENT TO YOUR COMPANY TO OBTAIN MY NON PUBLIC PERSONAL INFORMATION ) I DEMAND PROOF OF AUTHORITY THAT GAVE YOU PERMISSION TO REPORT INACCURATE AND FRAUDULENT ITEMS ON MY CONSUMER REPORT! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist!
If you're not the holder in due course you can not legally try to collect or enforce a claim against me. The law says that Under the UCC 3-302. HOLDER IN DUE COURSE. ( c ) Except to the extent a transferor or predecessor in interest has rights as a holder in due course, a person does not acquire rights of a holder in due course of an instrument taken ( i ) by legal process or by purchase in an execution, bankruptcy, or creditor 's sale!!
The information listed below, which appears on my consumer report, does not relate to any transaction ( s ) that I have made. I have a right to privacy according to the fcra, and your unauthorized reporting has violated that by furnishing non verified, fraudulent and inaccurate information. You do not have my permission to furnish any information on my consumer report in the first place. You are violating the fcra! YOUR COMPANY IS IN VIOLATION OF 18 U.S. Code 1028A - Aggravated identity theft because you knowingly obtained and used my non public personal identifying information without lawful authority.
Please provide the original contract of indebtedness ( with my original wet signature ) if indeed your claim is true. In addition, I would like for these companies to show legal documents proving they have the legal right to collect on the alleged debts in my state and city.
I DEMAND THE BELOW ACCOUNTS BE REMOVED IMMEDIATELY XXXX XXXXXXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX The below information is being reported without my consent and without proof that these items even exist XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
XXXX. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal consumer file.
XXXX. Provide a Certified copy of the full chain of assignments starting with the original creditor to any and every 3rd party collection company to present.
Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : XXXX. File a complaint with the Attorney General XXXX. File a complaint with the XXXX XXXX XXXX XXXX. File a Law Suit against you for harassment, Defamation of character, fraud, extortion, and invasion of privacy.
You have 15 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me with your agreement, in writing, that you are closing your file, Ceasing collecting activity, and deleting all information related to the above account reference numbers from any and all consumer reports youve furnished the information to specifically Transunion, XXXX, and XXXX am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, TransUnion and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 15 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.
I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney General 's Office CC : XXXX XXXX XXXX
|
| 03/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. These accounts may have been opened utilizing my actual information but I have not received, utilized benefited or had access to any of the following accounts. Therefore unless you can provided via certified mail an original contract with my own signature and verification the companies complied with the existing fraud alerts that were on my credit reports at time of origination and called my cell phone number listed prior to opening these accounts they need to be removed immediately. Accounts XXXX XXXX Bal {$2700.00} XXXX XXXX Bal {$710.00} XXXX XXXX Bal {$10000.00} XXXX XXXX XXXX CC Bal {$4400.00} XXXX XXXX XXXX CC Bal {$3600.00} All Inquires From The Following Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. Enclosed are the following : A copy of my FTC Identity Theft report A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Attached is My Drivers License and Bank statement showing my address I appreciate your prompt attention to this matter, and await your reply. Sincerely, XXXX XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
|
| 01/12/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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|
Web |
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I have a collection account on my credit report named XXXX AS it states that the original Creditor : 11 XXXX XXXX XXXX and it is being reported on TRANSUNION. I do not recognize it, nor do I have an agreement with them. This is detrimentally hurting my chances of credit and improving my family 's lifestyle .Per 15 U.S. Code 1681,15 U.S. Code 6803,15 U.S. Code 6804, 15 U.S. Code 6805 ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 6805 states that ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows : ( 1 ) Under section 1818 of title 12, by the appropriate Federal banking agency, as defined in section 1813 ( q ) of title 12, in the case of ( A ) national banks, Federal branches and Federal agencies of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( B ) member banks of the Federal Reserve System ( other than national banks ), branches and agencies of foreign banks ( other than Federal branches, Federal agencies, and insured State branches of foreign banks ), commercial lending companies owned or controlled by foreign banks, organizations operating under section 25 or 25A of the Federal Reserve Act [ 12 U.S.C. 601 et seq., 611 et seq. ], and bank holding companies and their nonbank subsidiaries or affiliates ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; ( C ) banks insured by the Federal Deposit Insurance Corporation ( other than members of the Federal Reserve System ), insured State branches of foreign banks, and any subsidiaries of such entities ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ) ; and ( D ) savings associations the deposits of which are insured by the Federal Deposit Insurance Corporation, and any subsidiaries of such savings associations ( except brokers, dealers, persons providing insurance, investment companies, and investment advisers ). ( 2 ) Under the Federal Credit Union Act [ 12 U.S.C. 1751 et seq. ], by the Board of the National Credit Union Administration with respect to any federally insured credit union, and any subsidiaries of such an entity. ( 3 ) Under the Securities Exchange Act of 1934 [ 15 U.S.C. 78a et seq. ], by the Securities and Exchange Commission with respect to any broker or dealer. ( 4 ) Under the Investment Company Act of 1940 [ 15 U.S.C. 80a1 et seq. ], by the Securities and Exchange Commission with respect to investment companies. ( 5 ) Under the Investment Advisers Act of 1940 [ 15 U.S.C. 80b1 et seq. ], by the Securities and Exchange Commission with respect to investment advisers registered with the Commission under such Act. ( 6 ) Under State insurance law, in the case of any person engaged in providing insurance, by the applicable State insurance authority of the State in which the person is domiciled, subject to section 6701 of this title. ( 7 ) Under the Federal Trade Commission Act [ 15 U.S.C. 41 et seq. ], by the Federal Trade Commission for any other financial institution or other person that is not subject to the jurisdiction of any agency or authority under paragraphs ( 1 ) through ( 6 ) of this subsection. ( 8 ) Under subtitle E of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5561 et seq. ], by the Bureau of Consumer Financial Protection, in the case of any financial institution and other covered person or service provider that is subject to the jurisdiction of the Bureau and any person subject to this subchapter, but not with respect to the standards under section 6801 of this title. ( b ) Enforcement of section 6801 ( 1 ) In general Except as provided in paragraph ( 2 ), the agencies and authorities described in subsection ( a ), other than the Bureau of Consumer Financial Protection, shall implement the standards prescribed under section 6801 ( b ) of this title in the same manner, to the extent practicable, as standards prescribed pursuant to section 1831p1 ( a ) of title 12 are implemented pursuant to such section. Most importantly I did not give this company written permission to publish this on my credit report. 15 U.S. Code 6801 ( a ) ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 U.S. Code 1681s-2 ( a ), 15 U.S. Code 1681s-2 ( A ) 15 U.S. Code 1681a 4 There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
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| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of these fraudulent accounts.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about these fraudulent accounts. I don't have any closed accounts with XXXX XXXX. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with XXXXXXXX XXXX I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave XXXXXXXX XXXX ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THESS ACCOUNT. THESE ARE FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THESE FRAUDULENT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH XXXX XXXX
They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent.
In accordance with the Fair Credit Reporting act TRANSUNION AND XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I recently challenged the validity of XXXX XXXX Account # XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX AND XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX, TRANSUNION XXXX XXXX AND XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT.
SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give TRANSUNION written permission to furnish these accounts.
Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.
This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
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| 08/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.
XXXX | XX/XX/XXXX : Account number : N/A, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX : Account number : Name, The following personal information is incorrect. This is not my name. Delete it immediately from my report.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number XXXX XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXXXXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXXXXXX : Account number : XXXX, Please remove it from my credit report. This accounts name and number are recollection. Either clarify this information to me or delete this account immediately from my credit report.
XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late.
Your reporting is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate information on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate information immediately.
XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report.
I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX XXXX XXXX XXXX AZ XXXX XXXX : Account number : Address, The following personal information is incorrect. This address is not correct. Delete it immediately from my report.
Sincerely, XXXX XXXX
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| 04/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, XXXX XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX.
XXXX. Identity Theft XXXX XXXX Account XXXX : XXXX This is not mine.
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Identity Theft Account Number : This is not mines I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 11/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This credit reporting agency is reporting a unverified bankruptcy as verified on my credit report. This credit reporting agency was sent multiple letters both 604,609, and 611. The agency has replied to with by stating " the account has been verified by a third party vendor ''. Under the FCRA law " The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report.
Permissible Purposes of Consumer Reports Section 604 ; 15 U.S.C. 1681b Investigative Consumer Reports Section 606 ; 15 U.S.C. 1681d. '' I have not received any factual documentation as to how this alleged bankruptcy was verified. If the court 's do not verify PUBLIC documents, then how do third parties verify these same documents that this credit reporting agency states is verified? What information was given to this third party? who was the third party? how was this third party verified and do they guarantee 100 % accuracy? Are there any signed documents with my original signature on it? who was given it? who received it? Why haven't i received a copy of the investigation for my own research purposes. This credit reporting agency also states that the alleged account was also connected to XXXX XXXX. I have not received any document 's from them because they state there is no such thing on file? This agency also states using PACER which is a government website that is supposed to be used for a permissible purpose. This website does not volunteer to disclose any personal information. Such information MUST be PURCHASED with a online account. This is a violation of my FCRA rights that this agency knowingly and willing purchased a public consumer report for non permissible purposes. I have sent this agency factual data from the source 's they state the information they have was and none was accurate. I have received information which is a auto generated populated letter response. The FCRA also states that " ( 2 ) Limits on information received under paragraph ( 1 ) ( B ). A person may receive pursuant to paragraph ( 1 ) ( B ) only ( A ) the name and address of a consumer ; ( B ) an identifier that is not unique to the consumer and that is used by the person solely for the purpose of verifying the identity of the consumer ; and ( C ) other information pertaining to a consumer that does not identify the relationship or experience of the consumer with respect to a particular creditor or other entity. Giving social security numbers or any part is considered a personal identifier. Giving dates of birth is a identifier. Anything that could be taken and used to identify a person could be potentially a exposure for identify theft. It also states that " ( f ) Certain use or obtaining of information prohibited. A person shall not use or obtain a consumer report for any purpose unless ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section; and ( 2 ) the purpose is certified in accordance with section 607 [ 1681e ] by a prospective user of the report through a general or specific certification. Also " 3 ) Certain public record information. Except as otherwise provided in section 613 [ 1681k ], a consumer reporting agency shall not furnish an investigative consumer report that includes information that is a matter of public record and that relates to an arrest, indictment, conviction, civil judicial action, tax lien, or outstanding judgment, unless the agency has verified the accuracy of the information during the 30-day period ending on the date on which the report is furnished.
609. Disclosures to consumers [ 15 U.S.C. 1681g ] ( a ) Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request except that -- ( A ) if the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and 609 - 15 U.S.C. 1681g 37 the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure; and ( B ) nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit scores or any other risk scores or predictors relating to the consumer.. Conditions and form of disclosure to consumers [ 15 U.S.C. 1681h ] ( a ) In General ( 1 ) Proper identification. A consumer reporting agency shall require, as a condition of making the disclosures required under section 609 [ 1681g ], that the consumer furnish proper identification.
( 2 ) Disclosure in writing. Except as provided in subsection ( b ), the disclosures required to be made under section 609 [ 1681g ] shall be provided under that section in writing.Prompt Notice of Dispute to Furnisher of Information ( A ) In general. Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.
( B ) Provision of other information. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute 611 - 15 U.S.C. 1681i 51 that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher.
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| 07/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I was granted XXXX XXXX XXXXXXXX in XX/XX/XXXX, and began the process of applying for forgiveness of my FFEL consolidated student loans in XX/XX/XXXX. XXXX, the company that held the loan ( worth about {$28000.00}, consolidated from XXXX loans XXXX, informed me that my application for a XXXXXXXX XXXX XXXX XXXX Discharge had been approved in a letter dated XX/XX/XXXX, and that no further payments or action on my part were necessary. The letter specifies details regarding Tax Implications when one 's loans are discharged, but says NOTHING about any sort of concern being warranted for one 's credit report, i.e. there is no warning that one 's status may be affected.
Several months later, my wife and I applied for a home refinance-construction loan. We began the process in XX/XX/XXXX, and quarantines notwithstanding, the process proceeded smoothly through our first credit score checks, which arrived in mid-XXXX XXXX ; my scores were all in the low 800s.
Toward the end of XXXX, however, as the date of our closing approached, we were contacted by the bank 's mortgage officer, asking if we could provide the underwriter with more information since I was reported as being delinquent on my student loans, and my credit score was significantly lower than before ( more than 150points ).
We spend hours on the telephone with various parties from XXXX during the week of XX/XX/XXXX. Their practices seem to be designed to wear down concerned customers, as the branch dealing with TPD claims is somehow not connected to the " Solutions '' branch that deals with credit reporting, and frequent transfers between uninformed agents necessitate repeated explanations of problems.
We were repeatedly told that -- and, if this is true, it represents an INCREDIBLY poorly designed process -- as loan forgiveness is being processed, the de-activated loans are 're-activated, ' and thus appear as delinquent/unpaid on a person 's credit report until the process is completed, which must happen within a 120-day period. In other words, WITH NO KNOWLEDGE to the veteran, who in face is notified in writing that no further payment is necessary, they are reported as delinquent on their loan, and will be for at least 4 months.. This is especially unjust, as the veteran neither has knowledge about it and thus can not do anything to prevent or remedy the situation.
Several XXXX representatives told us that since the 120-day period had not concluded, there was nothing that I could do but wait for the loan forgiveness process to conclude and then, once the loan was no longer " delinquent '', wait for our credit scores to improve. Because this sounded ridiculous, which it is, I repeatedly asked to speak to persons in different branches and to supervisors of those persons, and were promised on Thursday the XXXX that I would receive a call back from one supervisor Friday the XXXX. Unsurprisingly, though, we did not receive a call from XXXX that day, and my attempt to call back the person whom I had spoken with the previous day was unsuccessful that day as well.
I spoke with a " Senior Resolution Specialist, '' XXXX XXXX, on Monday XXXX. XXXX, XXXX, after being on the phone for nearly three hours. This individual did offer to join a three-way call with the underwriter from my bank, which I arranged using my own phone. During this call, XXXX XXXX verified to the underwriter that ( 1 ) XXXX 's report of my delinquent payment had been in error, ( 2 ) that my loans were paid in full, and ( 3 ) that it usually takes 120 days for a lender to approve a loan discharge. XXXX XXXX told both that underwriter and me that he would investigate how to have the lender 's report to credit reporting agencies adjusted, and would be back in touch. Again, unsirprisingly, I have not been able to reach XXXX XXXX since.
We were able to close on our home loan successfully on XX/XX/XXXX, thankfully, but in making inquiries regarding contingency plans for extending part of the loan ( e.g. in the case that expenses for repairs to a damaged foundation and heating system exceeded our contractor 's estimates ), were told again by our bank that my credit score was lower than what is considered adequate for further assistance -- in other words, that my credit score had not been adjusted. We also received a letter from XXXX dated XX/XX/XXXX, that next week, stating : " Thank you for your recent credit reporting inquiry. After careful review of your account we have determined that the student loan ( s ) referenced in your request requires no adjustment because All credit reporting is valid and accurate.
Under the Fair Credit Reporting Act ( FCRA ), data providers are not required to investigate certain disputes received directly from consumers. [ ... gives examples ]. '' We have continued to contact XXXX to dispute their abjuring the responsibility to clarify that I have not been delinquent on a payment, but subsequent conversations ( most recently yesterday, XX/XX/XXXX, and today, XX/XX/XXXX ) have yielded the same answer -- they will take no action.
How can this be possible, when the credit reporting regarding the individual -- me -- is INACCURATE? Who designed a system that throws veterans into financial delinquency for at least a third of a year, with great possibilities that damage to credit scores can take MUCH longer to repair, and that they may not be able to access funds for their or their families needs, while their student loans are being " processed ''? Why are loan servicers not obliged to clarify that they are receiving TAXPAYER MONEY for every cent of those veterans ' loans, and to use some of those funds to make sure the persons whose physical and/or mental health has been damaged by service to their country isn't worsened by financial crisis and anxiety? This clearly is hurting multiple other veterans, as I have found while researching how and to whom I could make further complaints.
I am sending this complaint not only in the hopes for some resolution for myself, but for the many other veterans who, despite the existence of the XXXX and XXXX XXXX loan forgiveness program, are XXXX being financially damaged as they try to extricate themselves from their debts. It isn't much to ask, to have XXXX and other loan servicers explain to Equifax, Experian, and Transunion, that veterans like myself have not been delinquent on payments since we were notified, in writing, that our loans were forgiven.
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| 09/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
Servicemember |
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I have either old or incorrect information on my credit report that I want to be removed. Please see information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX TRL XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX BOAT XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX KY XXXX Phone Numbers ( XXXX ) XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Employers XXXX XXXX AND REPARE EOS FIRST CHURCH XXXX XXXX XXXX XXXX XXXX Records XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANKRUPTCY XXXX Date Filed XX/XX/XXXX ( Can stay on file for UP TO 10 years, due XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX now XXXX
Accounts XXXX XXXX XXXX Pay Status >Account paid in Full/Balance {$0.00} Estimated month and year this item will be removed XX/XX/XXXX XXXX XXXX XXXX Pay Status >Account paid in Full/Balance {$0.00} Estimated month and year this item will be removed XX/XX/XXXX XXXX XXXX XXXX XXXX Pay Status >Account paid in Full/Balance {$0.00} Estimated month and year this item will be removed XX/XX/XXXX XXXX XXXX XXXX Satisfactory Accounts XXXX XXXX XXXX XXXX XXXX XXXX Pay Status Paid, Closed ; was Paid as agreed/Closed XXXX XXXX DESTINY XXXX Pay Status Paid, Closed ; was Paid as agreed/Closed XX/XX/XXXX XXXX XXXX XXXX Last Payment Made XX/XX/XXXX ( Account refinanced and now owned by XXXX XXXX XXXX XXXX XXXX Pay Status Paid, Closed ; was Paid as agreed/Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Status Paid, Closed ; was Paid as agreed/Date Closed XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account Closed XXXX XXXX Account Closed Inquiries XXXX Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX CO Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX via XXXX Requested On XX/XX/XXXX XXXX XXXX NA Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX XXXX Requested XXXX XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX On XX/XX/XXXX XXXX Requested On XX/XX/XXXX Account Review Inquiries XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX via TRANSUNION XXXX IN XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX via XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX via TRANSUNION XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX Requested XXXX XX/XX/XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX XXXX BANK XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX via XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX via XXXX Requested On XX/XX/XXXX XXXX via XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX.
Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX XXXX via XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX via XXXX XXXX Requested On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name Requested On XX/XX/XXXX, XX/XX/XXXX Checking Account and Demand Deposit Account ( DDA ) Activity Data Source : Location XXXX XXXX XXXX XXXX, KY XXXX Requested On XX/XX/XXXX Inquiry Analysis XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, KY XXXX Requested On XX/XX/XXXX, XX/XX/XXXX Checking Account and Demand Deposit Account ( DDA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX, ( XXXX ) XXXX ) Requested by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX Inquiries in the Last 3 Years : XXXX Total Days Since First Checking Account Inquiry : 749 Days Since Most Recent DDA Inquiry : XXXX Credit Inquiries in the Last Year : XXXX Credit Inquiries in the Last 3 Years : XXXX Auto Inquiries in the Last 3 Years : XXXX Payday Inquiries in the Last 3 Years : XXXX Other Credit Inquiries in the Last 2 years : XXXX Other Credit Inquiries in the Last 3 Years : 5 Days Since Most Recent Inquiry by Payday Lender : XXXX XXXX & XXXX XXXX XXXX XXXX 3 Years : XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX XXXX TX XXXX XXXX ( XXXX ) XXXX ) Requested by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquiries in the Last 3 Months : XXXX XXXX XXXX XXXXnquiries in XXXX XXXX 6 Months : XXXX XXXX XXXX Inquiries in XXXX XXXX 9 Months : XXXX XXXX XXXX Inquiries in XXXX XXXX 12 Months : XXXX XXXX XXXX Inquiries in XXXX XXXX 24 Months : XXXX XXXX XXXX Inquiries in XXXX XXXX 7 Years : XXXX XXXX XXXX Inquiries in the Last 9 Months : XXXX XXXX XXXX Inquiries in the Last 12 Months : XXXX XXXX XXXX Inquiries in the Last 24 Months : XXXX XXXX XXXX Inquiries in the Last 7 Years : XXXX XXXX XXXX Services in XXXX XXXX 7 Years : XXXX Rent-to-Own Inquiries in the Last 3 Months : XXXX XXXX XXXX XXXX Inquiries in the Last 24 Months : XXXX XXXX XXXX XXXX Inquiries in the Last 7 Years : XXXX XXXX XXXX XXXX XXXXs in the Last XXXX Months : XXXX
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| 05/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom this may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks.
Account Name 1. Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681e ( b ) failure to provide maximum accuracy amongst all credit reporting agencies. Failure to comply with my demand is a violation of 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) IN GENERAL Any person which is negligent in failing to comply with any requirement imposed under this subchapter with respect to ANY consumer is liable to that consumer in an amount equal to the sum of ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!
2. This account affected me as I went to apply for a mortgage and the account was not notated they asked me what was going on because this account was not notated.
XXXX Account Number : XXXX I demand this account be deleted from my consumer report immediately. 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. No letter or notification that this account is disputed. You are also in violation pursuant to 15 U.S. Code 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed 3. This account affected me as I went to apply for a mortgage and the account was not notated they asked me what was going on because this account was not notated.
XXXX Account Number : XXXX I demand this account be deleted from my consumer report immediately. 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. ( 3 ) DUTY TO PROVIDE NOTICE OF DISPUTE If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. No letter or notification that this account is disputed. You are also in violation pursuant to 15 U.S. Code 1692e ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed A chargeoff or collection is debt sold by the original creditor to a 3rd party. It is a violation to be reporting a balance due for this type of account if it is infact a chargeoff XXXX XXXX Account Number : XXXX I demand This allege collection account be deleted as you in clear violation of 15 U.S. Code 1681e ( b ) failure to provide maximum accuracy amongst all credit reporting agencies. Failure to comply with my demand is a violation of 15 U.S. Code 1681n- a In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as result of the failure or damages of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys fees as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) IN GENERAL Any person which is negligent in failing to comply with any requirement imposed under this subchapter with respect to ANY consumer is liable to that consumer in an amount equal to the sum of ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand! ( 1 ) Any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand! n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
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| 06/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX RE : Reinvestigation -XXXX XXXX XXXX Dear XXXX, I have no idea who is verifying this fraudulent collection account, but I can assure you that I have never done any business with this company. XXXX credit bureau does not have this information on my report, also. Just because your company verified this account, your company still failed to send the procedures or the steps on how this account legally binds me to owe them {$120.00}? I didnt sign any papers. I need to see the original documents from the XXXX XXXX XXXX company with my signature as an exchange of their products and services if youre going to keep reporting this information on my report. I didnt give this company permission to report anything on my report. I didnt purchase any products or services from this company. I demand proof showing where I signed to have set up any payments with the company. You wont have that because I have never done business with XXXX XXXX XXXX. So how could I owe them anything? This is absolute fraud and I demand this be reinvested thoroughly and deleted immediately. This fraudulent collection is harming my everyday life costing me thousands of dollars. I will not stand for it any longer. I have never even heard of this company. Your company has absolutely broken several consumer laws. I have included them in my reinvestigation dispute letter below. I request action be taken immediately. I will also be filing a complaint with FTC on this fraudulent company, XXXX XXXX XXXX, if we can not get this issue resolved immediately.
Under USC 1681c-1 ( a ) a ) One-call fraud alerts ( 1 ) Initial alerts Upon the direct request of a consumer, or an individual acting on behalf of or as a personal representative of a consumer, who asserts in good faith a suspicion that the consumer has been or is about to become a victim of fraud or related crime, including identity theft, a consumer reporting agency described in section 1681a ( p ) of this title that maintains a file on the consumer and has received appropriate proof of the identity of the requester shall ( A ) include a fraud alert in the file of that consumer, and also provide that alert along with any credit score generated in using that file, for a period of not less than 1 year, beginning on the date of such request, unless the consumer or such representative requests that such fraud alert be removed before the end of such period, and the agency has received appropriate proof of the identity of the requester for such purpose ; XXXX its your duty to protect my score, which controls my life, from fraudulent and inaccurate companies. I can assure you that XXXX XXXX XXXX is fraudulent and does not belong to me. Please remove this fraudulent account from my report immediately.
Under 15 USC 6801 Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.
( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.
Under 15 USC 1681b Permissible purpose of consumer ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
( G ) executive departments and agencies in connection with the issuance of government-sponsored individually billed travel charge cards.
I know mistakes happen, but my credit should not have to suffer because of this mistake. My credit score reflects myself, and I take these discrepancies very seriously. Not only is my credit score suffering from this mistake, but it is harming my everyday life. Lenders will not do business with me because they deem me irresponsible. As a result, I am not able to purchase my first home. I demand that this account be removed from my report immediately if your company can not provide the information requested above. I will await a response or action taken within 30 days.
Thanks
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| 10/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of these fraudulent accounts.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about these fraudulent accounts. I don't have any closed accounts with XXXX XXXX. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with XXXX XXXX I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave XXXX XXXX ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THESS ACCOUNT. THESE ARE FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THESE FRAUDULENT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH XXXX XXXX
They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent.
In accordance with the Fair Credit Reporting act TRANSUNION AND XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose I recently challenged the validity of XXXX XXXX Account # XXXX account thats being reported on my most recent credit report. Upon challenging this, XXXX AND XXXX deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true I am requesting the information you used to verify this account in writing. If such documents can not be produced please DELETE this account from my credit report immediately.
15 US CODE 1666 - CORRECTION OF BILLING ERRORS 15 USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORTS In accordance with the Fair Credit Reporting act XXXX XXXX, XXXX XXXX TRANSUNION XXXX XXXX AND XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT.
SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.
Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. I am a natural person, I am a living human being, I have the rights under 15 USC 1681 Equifax is govern by 15 USC 1681. They violated my rights numerous of times. I demand the accounts listed below be remove because According to 15USC 1681 : I have the rights to privacy and did not give TRANSUNION written permission to furnish these accounts.
Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents.
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off.
All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly delete all information which can not be verified.
This law is as clear as daylight as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately :
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, Transunion, XXXX ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX for the cancelled debt of { {$1800.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and Transunion is not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
XXXX XXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. 1026.11 Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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| 11/21/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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it has been more than 60 since i have sent out my dispute letter to Transunion ( the only agency reporting this information ) that I was exercising my right to opt out of the reporting of the following accounts ; [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] [ XXXX Account Number : XXXX ] [ XXXX XXXX Account Number : XXXX ] 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
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| 12/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have not provided any written instructions to allow any Consumer Reporting Agency ; TransUnion, XXXX, or XXXX, to release my consumer report and according to 15 U.S. Code 1681b this is a direct violation of the law and falls under the category of 15 U.S. Code 1681c1.
I request that the information be removed from my credit report for the following accounts and amounts listed below based on the Codes afore mentioned.
I continue to notice accounts being reported on my Credit Report that I never gave written permission for. I also asked that my information be frozen to anyone so that my information would not be exposed to anyone that I have not given permission to view. I put fraud alert on my account years ago due to my information being leaked by XXXX breach. TransUnion, XXXX, XXXX all were notified several times via written disputes, phone calls, and suppressing my information from other reporting companies such as XXXX, XXXX, and XXXX. To no avail I still continue to see things reported on my reports.
TransUnion : US Department of Education student loans were forgiven and they continue to report as outstanding from XXXX entity to the next for multiple loans totaling {$48000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased by {$10000.00} from {$3600.00} to {$13000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$16000.00} to {$18000.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1700.00} to {$1800.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$5200.00} to {$5900.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$2300.00} to {$2400.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$3400.00} to {$3600.00} *** These Student loans were from XXXX - XXXX over 32 years ago and the loans were bought and sold so many times and when the loan was forgiven US Dept of Education picked it up now attempting to make my life hard by damaging reports on my credit.
XXXX XXXX XXXX XXXX continues to report closed account from XXXX as open every month on all XXXX CRA 's account was closed and charged off XX/XX/XXXX amount {$5100.00} XXXX XXXX Reporting {$15000.00} on a closed account XXXX XXXX reporting ( XXXX ) accounts XXXX {$2700.00} and XXXX {$450.00} closed XXXX XXXX, XXXX XXXX : US Department of Education student loans were forgiven and they continue to report as outstanding from XXXX entity to the next for multiple loans totaling {$48000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased by {$10000.00} from {$3600.00} to {$13000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$16000.00} to {$18000.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1700.00} to {$1800.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$5200.00} to {$5900.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$2300.00} to {$2400.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$3400.00} to {$3600.00} *** These Student loans were from XXXX - XXXX over 32 years ago and the loans were bought and sold so many times and when the loan was forgiven US Dept of Education picked it up now attempting to make my life hard by damaging reports on my credit.
XXXX XXXX XXXX XXXX continues to report closed account from XXXX as open every month on all XXXX CRA 's account was closed and charged off XX/XX/XXXX amount {$5100.00} XXXX XXXX Reporting {$15000.00} on a closed account XXXX XXXX reporting ( XXXX ) accounts XXXX {$2700.00} and XXXX {$450.00} closed XXXX XXXX, XXXX XXXX : US Department of Education student loans were forgiven and they continue to report as outstanding from XXXX entity to the next for multiple loans totaling {$48000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased by {$10000.00} from {$3600.00} to {$13000.00}.
Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$16000.00} to {$18000.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1700.00} to {$1800.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$5200.00} to {$5900.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$2300.00} to {$2400.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$1100.00} to {$1200.00} Between XX/XX/XXXX and XX/XX/XXXX, your US DEPT OF EDUCATION student loan account balance increased from {$3400.00} to {$3600.00} *** These Student loans were from XXXX - XXXX over 32 years ago and the loans were bought and sold so many times and when the loan was forgiven US Dept of Education picked it up now attempting to make my life hard by damaging reports on my credit.
XXXX XXXX XXXX XXXX continues to report closed account from XXXX as open every month on all XXXX CRA 's account was closed and charged off XX/XX/XXXX amount {$5100.00} XXXX XXXX Reporting {$15000.00} on a closed account XXXX XXXX reporting ( XXXX ) accounts XXXX {$2700.00} and XXXX {$450.00} closed XXXX XXXX, XXXX
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| 04/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Ga XXXX Date of Mailing : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX : Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement per inquiry that is found not validated under 15 U.S. Code 1692g - Validation of debts and under lawful definition of Verification which is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury.
To TransUnion : You are in violation of the Fair Credit Reporting Act ( FCRA ). 15 U.S. Code 1681 - Congressional findings and statement of purpose under the Fair Credit Reporting Act ( FCRA ). ( a ) ACCURACY AND FAIRNESS OF CREDIT REPORTING. For unlawfully obtaining information alleged to be mine onto my Consumer report on [ date XXXX without my authorization or A permissible purpose under the FCRA. See 15 U.S.C 1681b - Permissible purposes of consumer reports. ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Specifically, the FCRA provides A person shall not use or obtain a consumer report for any purpose Unless- ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and ( 2 ) the purpose is certified in accordance with section 1681e of this title by by a prospective user of the report Through a general or specific certification. I have not initiated any transaction with [ Any of the furnished companies/entities on my consumer report ]. Further, I do not have an account as defined under 15 U.S.C 1693a ( 2 ) with [ Any of the furnished companies/entities on my consumer report ] For review or collection.
Furthermore, under the FCRA. Any person who knowingly and willfully obtains information on a consumer report Without permissible purpose, you are liable to me for XXXX XXXX XXXX actual damages or statutory damages up to {$1000.00}.
( 2 ) punitive damages, and ( 3 ) costs of litigation together with attorneys fees. 15 U.S.C 1681m ( a ). Also Any laws under the FCRA that TransUnion fails to follow is a violation and can be compensated for according to 15 U.S Code 1692k Civil Liability. According to my consumer report from TransUnion, I find several violations on my consume report and upon my consumer rights. Because of the findings of these violations within my consumer report from TransUnion. I Demand deletion of all furnishings from my consumer report. As they are violations upon my consumers right to privacy as referenced to in 15 U.S. Code 1681 - Congressional findings and statement of purpose. Also, according to 15 U.S.C 1681b - Permissible purposes of consumer reports. I XXXX XXXX the Consumer never gave TransUnion any written instruction to furnish anything on my consumer report, No consent is identity Theft. If TransUnion feels that the alleged furnishings are indeed accurate. I request Validation and Verification of all alleged furnishings on my consumer report from T. The validation of these furnishings must follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts ( a ) NOTICE OF DEBT ; CONTENTS Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( c ) ADMISSION OF LIABILITY- The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. My request for validation and verification of the alleged furnishings from TransUnion should not only follow in accordance with the provisions of 15 U.S. Code 1692g - Validation of debts. But also, under lawful definition of Verification. That definition of Verification is A formal declaration made in the presence of an authorized officer, such as a notary public, under oath, or upon the penalty of perjury. A response from an " office executive '' in an Affidavit of Truth under the penalty of perjury validating and verifying all furnishings on my consumer report from TransUnion will suffice. If these alleged furnishings that have been furnished on my consumer report can not be validated and verified in accordance with 15 U.S. Code 1692g - Validation of debts, and in declaration under oath or upon the penalty of perjury in an Affidavit of Truth. Again, I Demand Deletion and Removal of all furnishings from my consumer report as it would be proven that the furnishings are indeed inaccurate and incorrect.
For the sake of the judicial economy, I am willing to settle this matter without any admitted liability.
I offer full and final settlement of this issue if you comply with the following demands upon you : ( 1 ) cease and desist furnishing alleged injuries from companies and entities I am assumed to have any dealings with.
( 2 ) pay me {$1000.00} for Every Deleted Furnishing and deliver it to my address above within 14 days of receiving this demand.
Please advise that I am prepared to litigate this matter if you do not comply with this demand.
Upon timely receipt of the {$1000.00} payment, this letter shall be a general release of all claims herein.
Sincerely, SSN : XXXX Date Of Birth : XX/XX/XXXX
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| 10/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Transunion, XXXX, and XXXX XXXX continue to report inaccurate information on my consumer report. The consumer account XXXX XXXX has several inconsistencies. Furthermore each reporting agency has a financial interest in the reporting of the account which is why they continue to report the account. Each month the reporting agencies are to send me the consumer an opt out notice and I have received no such notice. Furthermore an open end consumre installment plan can not obtain late payments. This entire account reporting is inaccurate.
248.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 248.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 248.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply.
( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form together with the opt out notice ; ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
( iii ) Unreasonable opt out means. You do not provide a reasonable means of opting out if : ( A ) The only means of opting out is for the consumer to write his or her own letter to exercise that opt out right; or ( B ) The only means of opting out as described in any notice subsequent to the initial notice is to use a check-off box that you provided with the initial notice but did not include with the subsequent notice.
( iv ) Specific opt out means. You may require each consumer to opt out through a specific means, as long as that means is reasonable for that consumer.
( b ) Same form as initial notice permitted. You may provide the opt out notice together with or on the same written or electronic form as the initial notice you provide in accordance with 248.4.
( c ) Initial notice required when opt out notice delivered subsequent to initial notice. If you provide the opt out notice after the initial notice in accordance with 248.4, you must also include a copy of the initial notice with the opt out notice in writing or, if the consumer agrees, electronically.
( d ) Joint relationships.
( 1 ) If two or more consumers jointly obtain a financial product or service from you, you may provide a single opt out notice. Your opt out notice must explain how you will treat an opt out direction by a joint consumer.
( 2 ) Any of the joint consumers may exercise the right to opt out. You may either : ( i ) Treat an opt out direction by a joint consumer as applying to all of the associated joint consumers; or ( ii ) Permit each joint consumer to opt out separately.
( 3 ) If you permit each joint consumer to opt out separately, you must permit one of the joint consumers to opt out on behalf of all of the joint consumers.
( 4 ) You may not require all joint consumers to opt out before you implement any opt out direction.
( 5 ) Example. If XXXX and XXXX have a joint brokerage account with you and arrange for you to send statements to XXXXXXXX XXXX address, you may do any of the following, but you must explain in your opt out notice which opt out policy you will follow : ( i ) Send a single opt out notice to XXXXXXXX XXXX address, but you must accept an opt out direction from either XXXX XXXX XXXX XXXX XXXX XXXX XXXX Treat an opt out direction by either XXXX XXXX XXXX as applying to the entire account. If you do so, and XXXX opts out, you may not require XXXX to opt out as well before implementing XXXXXXXX XXXX opt out direction; or ( iii ) Permit XXXX and XXXX to make different opt out directions. If you do so : ( A ) You must permit XXXX and XXXX to opt out for each other.
( B ) If both opt out, you must permit both to notify you in a single response ( such as on a form or through a telephone call ).
( C ) If XXXX opts out and XXXX does not, you XXXX only disclose nonpublic personal information about XXXX, but not about XXXX and not about XXXX and XXXX jointly.
( e ) Time to comply with opt out. You must comply with a consumer 's opt out direction as soon as reasonably practicable after you receive it.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
( 2 ) When a customer relationship terminates, the customer 's opt out direction continues to apply to the nonpublic personal information that you collected during or related to that relationship. If the individual subsequently establishes a new customer relationship with you, the opt out direction that applied to the former relationship does not apply to the new relationship.
( h ) Delivery. When you are required to deliver an opt out notice by this section, you must deliver it according to 248.9.
( i ) Model privacy form. Pursuant to 248.2 ( a ) and appendix A to subpart A of this part, Form SP meets the notice content requirements of this section.
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| 01/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
4. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
9. XXXX XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
10. XXXX XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
11. XXXX Account XXXX : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
12. XXXX XXXX Account XXXX : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
13. XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
14. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
15. XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
16. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
17. XXXX XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
18. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
19. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
20. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I XXXX be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Thomas Ward Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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it has been 73 days since I had sent my notice to these agencies that I want to opt of out reporting some nonpublic information that is on my consumer report. The accounts goes as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am revoking consent to report this information pursuant to 15 U.S. Code 6802.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
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| 06/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX Bank, XXXX and TransUnion are collaboratively and continually in violation of the federal Fair Credit Reporting Act ( FCRA ) for FALSE and FRIVOLOUS reporting and their continuous refusal to remove their FALSE AND FRIVOLOUS report which destroyed, causing damages, my otherwise Excellent credit stature.
In XX/XX/XXXX, XXXX Bank inaccurately reported to XXXX and TransUnion that my account was 30 days late for {$19.00}, when in reality it was merely a shortage of on-time remittance by {$4.00} and only because XXXX wrongfully refunded my credit balance without my request which caused the shortage and they further failed to notify me or send me a Notice of Short payment which if they did, could have easily been paid instantly on the same day. In lieu of a legal notification, XXXX levied a 111 % Late Fee of {$4.00} which increased the shortage due to {$9.00}.
Because of XXXX false adverse reporting to the credit bureaus, even for such a minimal amount of {$4.00} ( or {$9.00} or {$19.00} ), my credit score plunged by XXXX points from XXXX ( EXCELLENT ) to XXXX ( Good ). The credit scoring system of XXXX and TransUnion is defective.
XXXX XXXX XXXX XXXX XXXX : the law does not care for small things ; the law does not bother with trifles. XXXX reporting to the CRAs of an insignificant dollar amount of {$4.00} ( or {$9.00} or {$19.00} ) is considered FRIVOLOUS by law and should not even have been reported to and by XXXX and TransUnion in the first place. Something or some act which is de minimis in interest is one which does not rise to a level of sufficient importance to be dealt with judicially. Trifles, or matters of a few dollars or less. 121 F. 2d 829, 832. A crime which is de minimis may be dismissed under the Model Penal Code and similar statutes. Model Penal Code Section 2.12 Paying late is not even a crime. But XXXX Bank and XXXX XXXX TransUnion are treating it like it is. Therefore, based on de minimis doctrine, this petty reporting ( even assuming it were accurate, which it is NOT ) should be deleted immediately.
Please also take note that this incident happened during the time-period when the Global Coronavirus-19 pandemic was still ongoing, when the US government, being very considerate, initiated the FORGIVENESS of loans and imposed the EVICTION MORATORIUM and the FORECLOSURE MORATORIUM, when utility companies like the Gas Company posted OVERDUE BILLS FORGIVENESS on its website, when banks ( except XXXX Bank ) were not charging or were waiving late fees and interests for REAL late payments. Yet, why was XXXX the only contrarian bank that is doing the exact opposite of governmental actions and continuing to report a trivial and fake information that is in violation of the federal Fair Credit Reporting Act ( FCRA )?
Background : In XXXX, XXXX XXXX XXXX XXXX credit card issued by XXXX Bank was recommended to me by my Timeshare company, XXXX ( whose name is imprinted on the card, implying their affiliation ), and I only accepted it, so Worldmark could automatically charge my quarterly maintenance dues every XXXX day of XXXX, XXXX, XXXX, and XXXX, and in turn, my Bank was set up to AUTOPAY XXXX on the XXXX ( 2 days before the XXXX due date ) every XXXX, XXXX, XXXX and XXXX.
Please take note, that due to my excellent credit standing, I am one of the very few owners who still pay the maintenance dues for years XXXX and XXXX even though the resorts were closed in XXXX and partially in XXXX, even though my scheduled vacations were cancelled and my unused points were forfeited due to the Covid-19 pandemic. I wonder why the XXXX XXXX XXXX XXXX did not impose a Maintenance Dues Moratorium in XXXX and XXXX when the resorts were closed and no maintenance dues were actually paid by the Timeshare companies like XXXX and XXXX XXXX ( my other timeshare ). Other owners just stopped paying by themselves during XXXX and XXXX, except me.
All my accounts are set up on AUTOPAY, so I am never late with any company ( as you can verify from my credit reports for the past three decades ), including XXXX. In my first year with XXXX in XXXX, I had always overpaid and ended up with CREDIT BALANCES, and I never, never called them to ask for a refund of my credit balances. But for the first time on or about XX/XX/XXXX, without my request, XXXX suddenly refunded my credit balance from my XXXX overpayment, which therefore caused my next payment to be short by {$4.00}. I was not aware of the refund or the resulting shortage because I never received my statement or any notice, by phone, email, or mail, which if they had communicated with me, I could have paid INSTANTLY way before it became overdue and assessed a 375 % late fees.
Additionally, on top of the late fees & interests and the unnecessary ADVERSE REPORTING to the CRAs by virtue of the De Minimis doctrine, for a minute {$4.00}, again without notification, XXXX surreptitiously suspended my card and declined the charge of {$180.00} made by their supposed affiliate XXXX on XXXX.
In XX/XX/XXXX, I received a phone call followed by a first-time-ever dreaded collection letter from XXXX, attempting to collect the {$180.00} plus late fee and interests. XXXX Bank also managed to destroy my perfect payment history of two decades with XXXX. XXXX was also the only time I found out about the {$4.00} shortage and the very HARSH actions undertaken by XXXX bank in the year of the continuing Coronavirus pandemic.
Instead of me paying {$180.00} directly to XXXX on XXXX up to XXXX without penalty, the money was still automatically paid by my bank, as scheduled, to XXXX on XXXX, two days BEFORE the banks XXXX DUE DATE. In XXXX, their alleged 30 days late amount was still at {$9.00} ( $ XXXX late fee ) and NOT {$19.00}, as they erroneously reported to the CRAs ( which would have been the correct amount only if paid late - AFTER XXXX ). And I ended up with a huge CREDIT BALANCE of {$160.00} with XXXX Bank since XXXX which, IRONICALLY, they kept and used my money for three months ( up to XX/XX/XXXX ), despite my request ( this time ) in XXXX for a refund and they never paid me any interests, like the 375 % interests & fees they charged me for a mere {$4.00}.
Yet, instead of reporting a ( {$160.00} ) CREDIT BALANCE on my credit reports in XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX erroneously reported a XXXX balance, and they still failed to remove the erroneous {$19.00} - 30 days late negative report.
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| 08/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I am sending you my dispute for the hundredth time. CRA is obligated by the FCRA to report accurate accounting. I have advised you on several instances with verifiable proof and supporting documentation that you are reporting derogatory items on my consumer report that has since been removed from your companion CRAs because your reporting should match across all 3 platforms. You have 4 days according to LAW to remove such items.
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801.
If you are not the assigned agent for this account, please forward to the appropriate agent assigned to Satisfy pursuant to the signed Security Exchange Ace of 1934 under 17 CFR 424 that you will not commit language fraud or do solicitations. and the rules outline in the Trust Indenture Act of 1939. Also, please forward to me a complete copy of my Credit File. The instruction for this security includes securities fraud and violation of my right to privacy. Although securities fraud takes on many forms. In fact, unbeknownst to me, you are and have been making money from my information and likeness without my consent. Privacy violation pursuant to Privacy Act of 1974 ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; The instructions does not include wiping out my credit history completely as I am in need of my credit report and credit file. Transunion has engaged in unfair and deceptive practices pursuant to 16 CFR 433.2-3 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), but no consumer reporting agency may also make any consumer report containing any of the following : Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' Pursuant to PART 1016 - PRIVACY OF CONSUMER FINANCIAL INFORMATION ( REGULATION P ) 12 CFR 1016.1 Purpose and scope.
( a ) Purpose. This part governs the treatment of nonpublic personal information about consumers by the financial institutions listed in paragraph ( b ) of this section. This part : ( XXXX ) Provides a method for consumers to prevent a financial institution from disclosing that information to most nonaffiliated third parties by opting out of that disclosure, subject to the exceptions in 1016.13, 1016.14, and 1016.15.
You also cant claim you verified any accounts unless you can prove you did what you are supposed to do Pursuant to 15 U.S. Code 1681a ( e ) which defines an investigative consumer report as a consumer report in which information on a consumers character, general reputation, personal characteristics, is obtained through personal interviews with neighbors, friends, etc, who may have information of any items on the consumer file which you will have to show me proof via affidavit of fact under penalty of perjury ; Pursuant to 12 CFR 1016.4 Initial privacy notice to consumers required.
( a ) Initial notice requirement. You must provide a clear and conspicuous notice that accurately reflects your privacy policies and practices to : ( 1 ) Customer. An individual who becomes your customer, not later than when you establish a customer relationship, except as provided in paragraph ( e ) of this section; and ( 2 ) Consumer. A consumer, before you disclose any nonpublic personal information about the consumer to any nonaffiliated third party 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
You need my written consent to add anything to my consumer report and I did not give this authorization therefore you are in violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 USC 6802-5 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. I OPT-OUT of your reporting and 16 CFR 313 is the authority. 15 USC 6805 says that the CFPB is supposed to enforce.
15 USC 6809 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution.
( ii ) resulting from any transaction with the consumer or any service performed for the consumer; ( iii ) otherwise obtained by the financial institution.
16 CFR 313.7-8 Revised privacy notices. ( authority 15 USC 6801 ) ( a ) General rule. Except as otherwise authorized in this part, you must not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party other than as described in the initial notice that you provided to that consumer under 313.4, unless : ( 1 ) You have provided to the consumer a clear and conspicuous revised notice that accurately describes your policies and practices ; ( 2 ) You have provided to the consumer a new opt out notice ; ( 3 ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( 4 ) the consumer does not opt out.
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| 06/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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TransUnion XXXX an XXXX failed to comply with federal regulations guidelines causing me credit harm an provide false information make seem like I'm not paying.an paid in full full balance they keep lowering my credit score instead improve it they keep dropping not right now they doing consumer violation consumer financial protection act they refusing to investigate they refuse to delete incorrect information off my credit report when the company said delete they doing it illegal operation tampering with credit file TransUnion refuse to correct my address it XXXX XXXX XXXX XXXX XXXX XXXX they not providing correct address I hereby request they removed everything from my credit report as paid in full stop reported false information file lawsuits on company with evidence an proff I have due incorrect address that TransUnion have on file is incorrect information using that not even correct address they in violation refuse to correct information every thing must match my personal information address an account missing information on this XXXX XXXX don't get my personal information confused with a similar name that people using use on me force me to pay a debt with driver license verification must have valid identification card to match the identity of the consumer if they can't provide that an they running credit with provide documentation like social security number an i.d it can be any one using my personal information I am under identity thefts freezes on my credit report TransUnion never investigation this problem they correct way make each party responsible for this harm that cause me can't provide copy of identification number everything must be deleted off my credit report I demand copy provide the i.d issue by government if they can't provide I'm file lawsuits on TransUnion an XXXX XXXX XXXX XXXX failed to comply with federal regulations guidelines XXXXXXXX XXXX XXXX loans operation business failed to provide documentation identification number on record must match the social security number to run any credit in the United States of America failed to comply need that if u can provide me that identification number an watch the same i.d state of Alabama provide for me I will pay the full balance u can't provide that information I hereby request everything be removed an I'm force to file lawsuits for Allowing someone credit with out identification number issue by the government you must provide 2 form of identification number approve credit to prevent identity thefts an fraud company refuse to do that now y'all in violation along with TransUnion for requesting documentation failed to investigate correct way everyone remove XXXX XXXX XXXX XXXX from my credit report XXXX XXXX XXXX deleted due Incorrect verification account incorrect information incorrect amount TransUnion still failed to delete All incorrect information due identity thefts fraudulent activity still operating illegally account be placed on my credit report when I have freeze on it address is incorrect that not my address on that TransUnion records they provide false information force me credit score to drop how my credit score poor an my credit score supposed be in good standard is be XXXX XXXX with good credit score discrimination equals right an protection under 14 the amendment united State Constitution federal Constitution violation my civil rights have the right sue state an federal I am in title to know what was use against me on credit report I been on file sent XXXX requirements documentation im failed to comply results in another lawsuits against TransUnion if my credit score don't be place back were it was file another one tampering with records proving false information reported false information allowing company to report false information on credit report with 2 forms identification provide by federal cant even Cash check with driver license or State i.d that apply to all credit lenders violation XXXX XXXX number federal regulations consumer financial protection right act we need that i.d an an full amount an date transaction must be corrected XXXX XXXX XXXX XXXX in violation federal law long with XXXX XXXX XXXX XXXX illegally operation to collect debt don't belong to no body an TransUnion when I file my dispute due to identity thefts credit company on my credit report must reimburse me debt settlement agreement supposed be paid to me that was part of the discrete revocable trust account never received that request full investigation credit file that y'all trying cover up tampering records federal offense have the right to sue need a copy every failed to do so I will file lawsuits an subpoena them records consumer rights I was effected by identity thefts fraudulent report over 2000 credit company was removed including false name failed to provide them documentation this is corrupted organization it's ok 2 option proved 2 forms identification number an correct payment amount an TransUnion if that address don't watch my government issue i.d an mailing address file lawsuits false information so my identity can't be verified due to incorrect information in data base an y'all trying harm me some. More cause me to become homeless with bad credit my personal information being reported stolen effective data breaches y'all still operating illegally I am tired of being a victim with these credit report agency time take action I will not be a victim no more denied credit home loan credit card now it time y'all hold accountable for yall action I am a victim refusing to correct my credit score instead lower my credit score make it poor pay for incorrect information delete this from my credit report call XXXX XXXX XXXX that should been deleted that what XXXX XXXX XXXXXXXX said miss understanding failed to remove an investigation need feds stepped in fraudulent activity documents I prove XXXX XXXX XXXX XXXXXXXX XXXX everyone everything must be removed an TransUnion failed to comply with federal regulations guidelines identity thefts fraudulent activity take they side not mines it wrong harassment me denied my credit I demand my XXXX XXXX back to XXXX like it was sent my self credit builder account is paid in full I paid it off early still not ask the company they rather report it unpaid Harm my credit score I'm file lawsuits on TransUnion Harm discrimination cause me mentally depressed become homeless due violation consumer rights not following the law
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| 03/30/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
XXXX XXXX. XXXX XXXX XXXX, TX XXXX 1. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The information is inaccurate XXXX XXXX XXXX XXXX XXXX Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
11. The information is inaccurate XXXX XXXX XXXX XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
12. The following account is not mine XXXX XXXX XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
13. The following account is not mine XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
14. The following addresses are not mine XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX 1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
10. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
11. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
12. The inquiry was not authorized XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
16 The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
17. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
18. The information is inaccurate XXXX XXXX XXXX XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
19. The information is inaccurate XXXX XXXX XXXX XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
20. The following account is not mine XXXX XXXX XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
21. The following account is not mine XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
22. The following addresses are not mine XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX, XXXX, IL XXXX TransUnion XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
6. The inquiry was not authorized Indiana XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
8. The information is inaccurate I never had a late payment XXXX XXXX XXXX XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
9. The information is inaccurate I never had a late payment XXXX XXXX XXXX XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
10. The following account is not mine XXXX XXXX XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
11. The following account is not mine XXXX ( Account # : XXXX ) Date opened : XX/XX/XXXX Please remove it from my credit report.
12. The following addresses are not mine XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Transunion, XXXX, and XXXX continue to report inaccurate information.
XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX High Credit : {$140.00} {$140.00} {$0.00} Payment Status : Late 120 Days Late 180 Days Late 120 Days Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
15 U.S. Code 1681e - Compliance procedures ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title.
( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
( c ) Disclosure of consumer reports by users allowed A consumer reporting agency may not prohibit a user of a consumer report furnished by the agency on a consumer from disclosing the contents of the report to the consumer, if adverse action against the consumer has been taken by the user based in whole or in part on the report.
( d ) Notice to users and furnishers of information ( 1 ) Notice requirement A consumer reporting agency shall provide to any person ( A ) who regularly and in the ordinary course of business furnishes information to the agency with respect to any consumer ; or ( B ) to whom a consumer report is provided by the agency ; a notice of such persons responsibilities under this subchapter.
( 2 ) Content of notice The Bureau shall prescribe the content of notices under paragraph ( 1 ), and a consumer reporting agency shall be in compliance with this subsection if it provides a notice under paragraph ( 1 ) that is substantially similar to the Bureau prescription under this paragraph.
( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report ( A ) the identity of the end-user of the report ( or information ) ; and ( B ) each permissible purpose under section 1681b of this title for which the report is furnished to the end-user of the report ( or information ).
( 2 ) Responsibilities of procurers for resale A person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall ( A ) establish and comply with reasonable procedures designed to ensure that the report ( or information ) is resold by the person only for a purpose for which the report may be furnished under section 1681b of this title, including by requiring that each person to which the report ( or information ) is resold and that resells or provides the report ( or information ) to any other person ( i ) identifies each end user of the resold report ( or information ) ; ( ii ) certifies each purpose for which the report ( or information ) will be used ; and ( iii ) certifies that the report ( or information ) will be used for no other purpose ; and ( B ) before reselling the report, make reasonable efforts to verify the identifications and certifications made under subparagraph ( A ).
( 3 ) Resale of consumer report to a Federal agency or department Notwithstanding paragraph ( 1 ) or ( 2 ), a person who procures a consumer report for purposes of reselling the report ( or any information in the report ) shall not disclose the identity of the end-user of the report under paragraph ( 1 ) or ( 2 ) if ( A ) the end user is an agency or department of the United States Government which procures the report from the person for purposes of determining the eligibility of the consumer concerned to receive access or continued access to classified information ( as defined in section 1681b ( b ) ( 4 ) ( E ) ( i ) [ 1 ] of this title ) ; and ( B ) the agency or department certifies in writing to the person reselling the report that nondisclosure is necessary to protect classified information or the safety of persons employed by or contracting with, or undergoing investigation for work or contracting with the agency or department.
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| 11/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX SSN : XXXX RE : XXXX To Whom It May Concern : This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report. I recently checked my consumer report and noticed accounts I didnt open on my own.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The Following accounts are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My identity has been stolen you are hereby put on notice.
Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.
15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Congress states 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
I have attached all the relevant documents pursuant the above Section of the law.
I demand all the above Fraudulent accounts DELETED immediately.
I Demand an updated copy of my Consumer file reflecting these changes ( 15 USC 1681 c-1 2 Access to free reports ) Be Advised I will CC The Bureau of Consumer Protection Financial ( CFPB ) FTC Attorney Generals Office in your state and Mine Thank you, XXXX XXXX
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| 04/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX XX/XX/2020 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. You have failed to respond to my dispute letter.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter.
As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am aware that it may be an oversight due to high volume. I'm sure you'll handle this matter as soon as possible. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
XXXX XXXX XXXX, XXXX XXXX Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. You have failed to respond to my dispute letter.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter.
As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am aware that it may be an oversight due to high volume. I'm sure you'll handle this matter as soon as possible. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
XXXX XXXX XXXX, XXXX XXXX Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. You have failed to respond to my dispute letter.
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. As you are well aware, federal law requires you to respond within 30 days. It has now been over that period since the receipt of my letter.
As you are aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am aware that it may be an oversight due to high volume. I'm sure you'll handle this matter as soon as possible. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature.
XXXX XXXX XXXX, XXXX XXXX Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
|
| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Arizona XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to raise a serious concern regarding unauthorized credit inquiries that have significantly impacted my financial well-being and personal peace of mind. I kindly request your intervention in enforcing my legal rights and addressing the violations that have occurred. These violations have not only disrupted my financial stability but have also caused emotional distress due to the ordeal I have endured.
My story starts with the unauthorized inquiries that have appeared on my credit report. The violations are as follows : XXXX Account XXXX : XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
Violated Law : Consumer Financial Protection Act ( CFPA ) - Unfair, Deceptive, or Abusive Acts or Practices XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I do not remember authorizing this inquiry. Since it might be fraudulent I want it removed from my credit report IMMEDIATELY!
Violation : Unauthorized inquiry Incorrect Personal Information : ALSO KNOWN AS : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, A This is not my name.
Delete it immediately from my report.
Violation : Incorrect personal information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
Violation : Incorrect previous address PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
Violation : Incorrect previous address ALSO KNOWN AS : XXXX XXXX XXXX This is not my name.
Delete it immediately from my report.
Violation : Incorrect personal information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
Violation : Incorrect previous address PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address is not correct. Delete it immediately from my report.
Violation : Incorrect previous address The continuous presence of these unauthorized inquiries has severely affected my ability to secure loans and credit at reasonable terms. The emotional toll of constantly dealing with the ramifications of unauthorized inquiries on my credit report has been exhausting. These unauthorized inquiries have negatively impacted my sense of financial stability and security, causing undue stress and XXXX
My personal story reflects the profound impact these unauthorized inquiries have had on my life. The countless hours spent trying to correct misinformation and navigating the complex world of credit reporting have taken a toll on my emotional and mental well-being. These unauthorized inquiries have made me question the fairness of the system and have disrupted my financial goals and plans for the future.
In light of the violations and the personal toll they have taken, I respectfully request the following : Enforce Legal Rights : I urge the Consumer Financial Protection Bureau to take immediate and decisive action to enforce my legal rights under the Fair Credit Reporting Act ( FCRA ) and other relevant consumer protection laws.
Investigation and Removal : I request a thorough investigation into each of the unauthorized inquiries listed above. If these inquiries can not be verified or justified, I kindly request their removal from my credit report as soon as possible.
Compensation : Considering the emotional distress and financial hardship these unauthorized inquiries have caused, I would appreciate the consideration of appropriate compensation for the ordeal I have endured.
I believe that the Consumer Financial Protection Bureau is a vital advocate for consumers like myself, and I am hopeful that your intervention will lead to a resolution of this distressing matter. I trust in the ability of your organization to ensure a fair and just outcome.
Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my financial peace of mind. Please feel free to contact me at XXXX or XXXX for any further information you might require.
Sincerely, XXXX XXXX XXXX
|
| 02/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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These are the accounts that are fraudulent reporting to my XXXX, Trans Union and XXXX consumer reports I have exhausted all remedies I have sent him countless letters I have asked for verification Ive asked for validation none has been provided to me for the fraudulent accounts for the fraudulent inquiries fraudulent addresses there are over 18 multiple addresses that are on my consumer report. All of them are fraudulent XXXX being reported by XXXX, XXXX and Trans Union the consumer reporting agencies report this fraudulent information under 15 USC 1698 A ) ( 9 They are acting as financial institutions I have dated multiple FTC reports XXXX complaints as well as a XXXX XXXX XXXX XXXX as well as a XXXX state Attorney General complaint nevertheless, XXXX, Trans Union and XXXX continue to violate my rights via the FCRA. These are multiple multiple violations of 15 US code 1681b 15 US code 1692E 15 US code 1692C XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have reached out to them multiple times asking them to clarify I have ask them to look into and validate and verify all of the things that are on my consumer report but continuously, they violate my rights they use my Social Security number they report things without permissible purpose they violate my privacy. Here is all of the things in which has been reported on my consumer report by XXXX first, you will see then Trans Union, then XXXX, all of the fraudulent accounts that are negative that were committed by criminals and theyre reporting to my Consumer Reports. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : It also states a consumer given reporting agency can not furnish an account without my written instruction. Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt in response to your recent claim that the items listed in this report contains XXXX XXXX. And all UNAUTHORIZED INQUIRIES Yet again, you have failed to provide me with a copy of any viable evidence from these banks and the fraudulent use of my identity in connection with these items that you are reporting that you are reporting are a direct violation of FCRA Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents bearing my signature, showing that I have a legally binding contractual obligation to pay them. clerk looking at their computer screen, seeing my name listed in their database is NOT ( verification or validation ) of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item Is entirely inaccurate and incomplete and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of California Attorney General 's office, should you continue in your non-compliance XXXX am aware that my SSN belongs to the ( XXXX XXXX Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you ( XXXX TRANSUNION XXXX CONTINUE TO REPORT FRAUDULENT ACCOUNTS THIS makes you guilty and in violation of the False Claims Act ( FCA ) 31 U.S.C 3729-3733. ( Debt Collector name is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT these companies XXXX TRANSUNION/XXXX XXXXXXXX this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. This is a notice to -CEASE and DESIST -of all illegal activities, including ( reporting which constitutes collection ) activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by XXXX XXXX TRANSUNION for ALL OF THE ACCOUNTS REPORTED IN THIS COMPLAINT Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you ( Debt Collector Name = [ XXXX, XXXX, and Trans Union ] into the ( FTC ) Federal Trade Commission XXXX, XXXX, consumer protection and innovation, XXXX state, Attorney Generals office, ( aggravated identity theft and Fraud. ) If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply.
|
| 10/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
Servicemember |
|
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. The items below I have disputed and none of the data furnishers have provided me any scope of the " so-called '' investigations as required by 1681s-2 ( b ) and it has already passed the legal time from of 30 days to do so. ] had disputed several items that do not belong to me to Transunion, XXXX, and XXXX and I also included all proper and required identification such as my drivers license, social security card, and proof of address and yet the bureaus have been using " stall tactics '' to delay my disputes and or not give me the proper fairness of the FCRA. On XX/XX/XXXX the bureaus sent me a letter requesting that I send them my social, drivers license, and proof of address saying that they " Can not " help me but I know this is just a stall tactic they are using because I have proof and transmission receipts from CFPB including my drivers license, my social security card, and my proof of address VIOLATIONS OF CREDITORS & TRANSUNION, XXXX & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report. VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised. VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have Records of my proper identification. CREDITORS AND ACCOUNTS TO BE REMOVED : 1. Chapter XXXX Bankruptcy Case Number : XXXX The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such informance or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies I demand this account be removed. 2. Chapter XXXX Bankruptcy Case Number : XXXX The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such informance or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies I demand this account be removed. 3. Chapter XXXX Bankruptcy Case Number : XXXX The court has stated in writing and via recorded phone call attached to this dispute that they have no records of this account in their database nor do they disclose such informance or provide them to credit reporting agencies such as Transunion, XXXX, and XXXX. Due to the fact the court has failed to provide proof that this account belongs to me and that they do not disclose such information to credit agencies I demand this account be removed. 4. XXXX XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 5. XXXX XXXX XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 6. XXXX Account Number : XXXX This situation is completely absurd. There is no record in my possession that this account belongs to me. You must remove this inaccurate information from my credit report without any delay. 7. XXXX XXXX XXXX XXXX Account Number : XXXX THIS CREDITOR STATES I HAD 60 DAY LATE PAYMENTS ON XX/XX/XXXX, XX/XX/XXXX HOWEVER I HAVE NEVER BEEN LATE ON THIS ACCOUNT AND CREDITOR ADMITTED OVER A RECORDED PHONE CALL THAT THESE LATE PAYMENTS BEING REPORTED ARE AN ADMINISTRATIVE ERROR ON THEIR PART AND AGREED TO REMOVE THEM. A COPY OF THAT XXXX FILE OF THE CALL IS INCLUDED IN THIS COMPLAINT. CREDITOR HAS EVEN FAILED TO PROVE THAT THEY SENT OUT AN EARLY WARNING NOTICE AS REQUIRED BY THE FAIR CREDIT BILLING ACT. 8. XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 9. XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX - This address belongs to someone else. Delete it from my report immediately. 10. XXXX XXXX XXXX- This employer belongs to someone else. Delete it from my report immediately. 11. XXXX - This employer belongs to someone else. Delete it from my report immediately. 12. XXXX Account Number : XXXX I am surprised by the fact that you were able to verify this account even though the other bureaus could not do that, and they have removed it. Delete this inaccurate account immediately from my credit report. Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. Sincerely yours, _________________________________________ XXXX XXXX
|
| 03/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
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This is a complaint about Transunion, XXXX and XXXX selling " event trigger '' information -- essentially selling my information to a gazillion lenders just because I applied for a loan ( the " event trigger '' ). The event trigger was also wrong because I wasn't applying for a mortgage, I was applying for a XXXX loan ( yet I got a ton of unwanted calls all day long sometimes within minutes of each other from people trying to sell me a mortgage loan or refinance ). On XXXX I applied for a XXXX loan over the phone with a local credit union XXXX XXXXXXXX XXXX XXXX ). On XXXX, a new credit inquiry ( hard credit pull ) was made by " XXXX XXXX. '' On XXXX starting at XXXX XXXX I received over 40 unsolicited phone calls and almost 10 unsolicited text messages ( I am still getting calls while typing this out ). I answered a few of these phone calls, they knew my name and tried to solicit me for mortgage loans and tried to pretend they knew me or that I knew them which made me pause before hanging up -- wasting my time! I was infuriated to find out that people had my name and number and were calling and texting me all day long, interrupting my work flow and calling me without my permission. I was expecting some real calls ( important calls ) and had to check my phone every single time it rang to make sure it wasn't a real call that I needed to pick up. I was infuriated to learn that Transunion, XXXX and XXXX are even allowed to sell " event trigger '' information to lenders. This is so unfair and predatory because if I need a loan, I have to have my credit checked ( no choice! ) and if I have my credit checked, it triggers an " event trigger '' which the credit bureaus then sell as a lead to a gazillion people who can now call me and pretend they know me because they know my name, wasting a ton of my time. I was so angry to find out that this was somehow legalized. I don't think it is fair for credit unions to sell my information like this, especially since if I want a loan I have to consent to a credit check there's no way around it. I learned through my own research after the fact that I have to go to XXXX to opt out of being a victim of this predatory practice. I shouldn't have to opt out, especially since the damage is already done, my name and number are out there and not everyone will abide by the opt out rules. It should be and opt in not and opt out. If for some reason I wanted to be subjected to nonstop calls harassing me about getting a loan I never asked for and didn't need ( I do not need a mortgage loan or refinance right now ), it should be something I have to choose to Opt In for, not something I have to learn after the fact that I needed to Opt Out of. The average consumer has never heard of XXXX it is not my fault I didn't know about this. I asked a bunch of my friends, many of them are attorneys, they never heard of XXXX. I'm infuriated that nobody is fighting to change the law on this. In order for me to even understand what was happening to me I had to spend a lot of my precious time researching on the internet to even figure out why I was all of a sudden getting obliterated by call after call after call after call after call after call and text after text after text after text and so on. I blocked so many calls and deleted so many texts today. I am so mad at the credit bureaus for selling my information and MIScategorizing me as a mortgage shopper. I am in no way in the market for a mortgage or a mortgage refinance. I called Transunion today, XX/XX/, and asked them why I was getting tons of calls and messages, and right before calling Transunion I got a text from someone saying they got my info because Transunion, XXXX and XXXX reported that I was interested in a mortgage!! The person I spoke with at Transunion never brought up event trigger information, or that it was their fault. The person on the phone was either honestly ignorant or purposely ignorant which is even worse! I explained what was happening and the timeline of events and not one time did they say sorry, it's our fault, we sold your information and incorrectly said you were interested in mortgage loans. Instead they checked to see if any new mortgages were on my credit report which I didn't need because I could check my report online myself. It was extremely frustrating and if the person I spoke to at Transunion honestly didn't know what was happening, then there is a problem with Transunion because they are not providing their frontline employees with information to solve these infuriating problems that they created, it is almost as if they don't want people to know how to solve the problem, willful ignorance. Even opting out on XXXX did not do anything whatsoever to slow the volume of phone calls for me! I opted out this morning and continued to receive call after call after call after call. I received a call while typing this out right now! I don't know what CFPB can do to punish these credit agencies for this behavior, it should be illegal, we need to make it illegal. We need to stop the credit agencies- TRANSUNION, XXXX, XXXX, from selling our information, and then washing their hands clean when the people they sell the information to goes on to sell our information a second time, this time to even more unscrupulous vultures. It should not be something we are required to " Opt out '' of. By default we should be opted out. Please CFPB do something about this, this is why you were established is to help out the little guy, the consumer, because we need someone to have our backs! I can't change the law myself, nobody will listen to me, I don't have lobbyists or a ton of money to get someone to help me out here.
Here are links to TRANSUNION, XXXX, and XXXX 's websites where they are hocking their event trigger services : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please do something about this CFPB! You guys are supposed to represent us the consumers! I know this may not be an easy one but it's important, it is just so unfair and predatory what they are doing. We don't have a choice if we need loans we have to have our credit checked through these agencies. Nobody wants to be solicited all day for loans, especially when you're not told it's going to happen and you didn't ask for it. I didn't ask for this. I shouldn't have to go to a website to opt out of this, I should automatically be opted out! Please help CFPB!
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions ive sent out letter to each of my credit bureau to check to make sure everything on my credit report are accurate and consistent they responded saying everything XXXX XXXX but when I go check my report their still are inconsistencies I wield like all these accounts to be removed from my credit report.
I demand the following accounts be verified or removed immediately.
Name of Account Account XXXX XXXX XXXX XXXX Cancel contract. Please provide original or delete XXXX XXXX Cancel contract. Please provide original or delete XXXXXXXX XXXX XXXX XXXXXXXX Cancel contract. Please provide original or delete XXXX XXXX XXXXXXXX Cancel contract. Please provide original or delete XXXX XXXX Cancel contract. Please provide original or delete XXXX XXXXXXXX Cancel contract. Please provide original or delete these are all the accounts with inconsistencies I would like them to be removed fro my credit report.
XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2000.00} {$0.00} {$1400.00} Credit Limit : {$1500.00} {$1500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Purchased by another lender Purchased by a another lender.
Unpaid balance reported as a loss by credit grantor.
Sold to : XXXX XXXX XXXX.
Account transferred or sold Charged off account Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account XXXX Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$2800.00} {$2800.00} {$2800.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$2800.00} {$0.00} {$1900.00} Credit Limit : {$2800.00} {$2500.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card - XXXX XXXX : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$550.00} {$550.00} {$550.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$550.00} {$0.00} {$550.00} XXXX XXXX : {$300.00} {$300.00} {$0.00} Past Due : {$550.00} {$550.00} {$550.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Canceled by credit grantor Account has been closed due to inactivity.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Accounts closed by credit grantor Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) TransUnion XXXX XXXX Account # : XXXX Account Type : Collection Account Type - Detail : XXXX XXXX Code : Individual Account Status : Derogatory Monthly Payment : - Date Opened : XX/XX/XXXX Balance : {$3300.00} No. of Months ( terms ) : - High Credit : {$2800.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Date Last Active : XX/XX/XXXX Date of Last Payment : - XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) TransUnion XXXX XXXX Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection XXXXXXXX XXXX : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$270.00} {$270.00} No. of Months ( terms ) : - - High Credit : {$270.00} {$270.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Customer disputed account - reported by subscriber.
Consumer disputes this account information Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card XXXX XXXX XXXX : Individual Individual Individual Account Status : Paid Paid Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$990.00} {$0.00} {$990.00} XXXX XXXX : {$700.00} {$700.00} {$0.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Collection/Chargeoff Unknown Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Payment after charge off/collection Settled - less than full balance Account legally paid in full for lass than the full balance.
Account legally paid in full for less than the full balance.
Settlement accepted on this account Paid charge off Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
|
| 10/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
After pulling a copy of my Consumer credit report I noticed that the credit reporting agency, Trans Union, is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation.
( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency.
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph. ( A ) ( I ) a statement that the reinvestigation is completed.
The items below should all be removed from my consumer report under 15 US Code 1681i ( 6 ) as it has been over 45 days and the reporting agency has failed to comply.
XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately.
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately.
XXXX XXXX XXXX XXXX - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately.
XXXX - XX/XX/XXXX - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately.
XXXX XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account - Update to paid as agreed XXXX XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account - Update to paid as agreed XXXX XXXX XXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account is in violation. - Update to paid as agreed XXXX XXXXXXXX - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. - Update to paid as agreed XXXX XXXX XXXX XXXX Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account - Update to paid as agreed XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXXXXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXXXXXX XXXX XXXX Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
XXXX XXXX - Under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported by any evidence.15 USC 1692 ( g ) [ 15 USC 1681- As a consumer by law this account must be DELETED immediately.
|
| 03/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have explained to that XXXX XXXX XXXX has violated my rights and the issues in the disputes I have sent them have not fixed or resolved the issues. I have sent a CFPB complaint on XX/XX/2023, I also sent a Notice of Dispute, Affidavit of Truth, as well as a Cease and Desist ( see in attachments I also have all green return receipts back from them confirming they received my documents ). XXXX XXXX and XXXX XXXX XXXX have continued to send me bills about this alleged debt which is also a violation but also have failed in every way to provide me any documentation about this matter. Everything has been very unclear and very deceptive, this company continues to run a risk on my life and consumer report. I will attach all of the documentation to show I have tried to resolve this issue, but nothing is being done. XXXX has not provided a single documentation regarding my request in my disputes. Further more, I have now sent my second notice of dispute, Cease & Desist, & an AOT on XX/XX/2023 ( I also have all green return receipts back from them confirming they received my documents ). They have not fixed this alleged debt arising on my consumer report or return a If company does not comply they will be in big legal trouble. After reasonable inquiry I have concluded that XXXX XXXX XXXX is in breach of the alleged agreement. The following facts support my position in this matter : 1. XXXX XXXX XXXX failed to disclose to the alleged consumer XXXX XXXX XXXX ( hereinafter consumer ) that XXXX XXXX XXXX used consumers note, capital, funds, money or money equivalent to fund a note, check or similar instrument that was used to fund the charges on the alleged account, whereby XXXX XXXX XXXX did not perform under the agreement and risked nothing of value.
2. XXXX XXXX XXXX has not used any of their own capital, funds, money or money equivalents to pay for any charges on the alleged account.
3. XXXX XXXX XXXX received something-for-nothing by using the consumers note ( XXXX ) to fund charges to the Mortgage account while retaining payments from the consumer.
4. So, a breach occurred due to the fact that XXXX XXXX XXXX failed to disclose the above information in their Mortgage Agreement prior to soliciting applicant to become bound by it.
5. Due to the breach, and lack of disclosure, XXXX XXXX XXXX has, directly or indirectly, used false, deceptive, or misleading representations or means, in violation of Regulation Z the Truth in Lending Act and Section 807 of the FDCPA, 15 U.S.C. 1692e, which constitutes fraud.
6. Due to the securitization of the initial outstanding balances of the alleged account, XXXX XXXX XXXX is not a holder in due course, and therefore can not have incurred a loss or make a valid claim.
7. When accounts are 90 days or more overdue, XXXX XXXX XXXX receives a payoff of the amount due from insurance, whose premiums were unknowingly funded by the so-called borrower.
I want to receive absolute assurance from XXXX XXXX XXXX that they did not breach the agreement. In order to settle this matter, please sign or have an authorized officer sign the enclosed affidavit, confirming that you have read the agreement, that you understand GAAP, the bookkeeping entries, accounts receivables and deposits, the banking laws, and the Federal Reserve banks policies and procedures.
In addition please furnish me with the following information : 1. A complete statement of Damages, including each and every loss that XXXX XXXX XXXX incurred under the alleged agreement.
2. A copy of any insurance claim having been made by XXXX XXXX XXXX regarding this account.
3. A front and back, true and correct copy of the alleged signed agreement bearing my signature ( full & complete disclosure ), and a detailed copy of the alleged account.
4. A true and correct copy of the transfer instrument that was used to transfer the initial outstanding balances from this alleged account into the Special Purpose Entity ( SPE ) trust, as described on the FDIC website.
5. The name, address and telephone number of XXXX XXXX XXXX XXXX XXXX.
6. Verification if this debt has been assigned or sold to a debt collector.
7. If this debt has been assigned to a debt collector, please provide the commission amount if collection efforts are successful.
8. If this debt has been sold to a debt collector, please provide the price for which it was sold.
If you can not verify and validate this debt by the above listed means, then what right do you have, under the Fair Debt Collection Practices Act 15 USC 1692, to even send me a letter or an account statement? Are you committing mail fraud, bank fraud, aggravated identity theft, conspiracy, conspiracy against rights and deprivation of rights under color of law?
It would be constructive for you to note that the FCRA ( Fair Credit Reporting Act ) section 609 ( c ) ( 2 ) ( E ) states : " a consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified.
The can not be verified is the key phrase, as you can see. Since I challenged you and your staff to verify, and you can not, that means all financial institutions and credit reporting agencies concerned with my account are required to remove any derogatory information. It can not be deemed accurate if it can not be verified. If it can not be verified, then it is required to be removed, according to the FCRA.
You are required by federal law to furnish the credit bureaus with the required disclosure by placing a notice of dispute on my account within ( 30 ) days after receiving this dispute letter. I am maintaining a careful record of dates as well as time-stamped copies of my credit reports, which will show that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) [ 15 USC 1681s-2 ] if you do not place the disclosure within the required ( 30 ) day period.
THIS IS NOT A REQUEST FOR CONFIRMATION THAT YOU HAVE A COPY OF AN AGREEMENT OR COPIES OF STATEMENTS. THIS IS A DEMAND FOR THE ATTACHED AFFIDAVIT AND PROOF THAT YOU HAVE THE REQUISITE KNOWLEDGE OF THE FACTS, AND THAT THE ALLEGED CREDITOR PROVIDED ADEQUATE CONSIDERATION AND INCURRED A FINANCIAL LOSS UNDER THE FULL & COMPLETE ORIGINAL AGREEMENT.
Notice to the Principal is Notice to the Agent, and Notice to the Agent is Notice to the Principal.
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| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, IN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act one main financial has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone Phone number not available Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXXXXXX bank has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, MD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual Permissible Purpose CREDIT TRANSACTION in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX, OR XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX XXXXXX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXXXXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXXXXXX XXXX Location XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone ( XXXX ) XXXX Inquiry Type Individual in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions TRANSUNION CONSUMER INTE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act TRANSUNION CONSUMER INTE has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX Location XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone ( XXXX ) XXXX in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
|
| 09/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.
I have the right to privacy.
15 U.S.C 1681 section 602 A. States, I have the right to privacy.
15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.
15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
Accounts 1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account.
2. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Please remove it from my credit report.
3. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Delete this account.
4. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
5. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX Account Number : XXXX Delete this account.
6. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete this account.
7. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account.
8. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSE PRETENSES XXXX XXXX Account Number : XXXX Delete this account.
9. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX Account Number : XXXX Delete this account.
10. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 11. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
12. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account.
13. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXXXXXX Account Number : XXXX Delete this account.
14. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXX XXXX Account Number : XXXX Delete this account.
15. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXXXXXX XXXX Account Number : XXXX Delete From My CREDIT REPORT 16. 15 U.S. CODE 1681O - CIVIL LIABILITY FOR NEGLIGENT NONCOMPLIANCE XXXXXXXX XXXX Account Number : XXXX Delete this account.
17. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
18. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
19. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
20. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
21. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
22. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
23. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
24. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
27. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
28. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
29. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
31. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
35. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Transunion is reporting inaccurate and incorrect information on my credit report with them for several accounts and they are as follows : XXXX XXXX XXXX has a medical bill listed on this report as well in the amount of {$110.00} and it is showing as a collections account. The original creditor was XXXX XXXX XXXX who spoke to me and the insurance company multiple times and were told to rebill and refile so that they could receive payment from the insurance company. So why are they reporting this as a collection account when they were at fault and did not rebill or refile in a timely manner as they were told to do so multiple times by myself and the insurance company. This is their fault not mine but yet it is listed on my credit report as a collection item. I did reach out to XXXX XXXX XXXX who told me even if I pay it the item will remain and this is not right when I contacted them for over a year telling them to rebill and refile to receive their payment. I had insurance it is no reason for them to have listed this item on my credit report.
XXXX XXXX XXXX XXXX was included in my XXXX XXXX XXXX filed on XX/XX/XXXX and they also charged the item off and then turned around and reported me as being late and are still reporting me as being late when this is not the case at all. The amount is {$730.00}, and this account is also showing closed and has been closed since XX/XX/XXXX.
I am also trying to purchase a vehicle and the rule of thumb is that your credit report can be run for 30 days without impacting your score and this has not been the case either. I currently have a total of XXXX hard inquiries on my credit report that have also affected and impacted my score significantly as of XX/XX/XXXX.
XXXX is reporting inaccurate and incorrect information on my credit report with them for several accounts and they are as follows : XXXX XXXX XXXX has a medical bill listed on this report as well in the amount of {$110.00} and it is showing as a collections account. The original creditor was XXXX XXXX XXXX who spoke to me and the insurance company multiple times and were told to rebill and refile so that they could receive payment from the insurance company. So why are they reporting this as a collection account when they were at fault and did not rebill or refile in a timely manner as they were told to do so multiple times by myself and the insurance company. This is their fault not mine but yet it is listed on my credit report as a collection item. I did reach out to XXXX XXXX XXXX who told me even if I pay it the item will remain and this is not right when I contacted them for over a year telling them to rebill and refile to receive their payment. I had insurance it is no reason for them to have listed this item on my credit report.
XXXX XXXX XXXX XXXX was included in my XXXX XXXX XXXX filed on XX/XX/XXXX and they also charged the item off and then turned around and reported me as being late and are still reporting me as being late when this is not the case at all. The amount is {$730.00}, and this account is also showing closed and has been closed since XX/XX/XXXX.
XXXX XXXX XXXX XXXX needs to be updated to reflect that it was included in my XXXX XXXX XXXX as of XX/XX/XXXX and this item is not late as is being reported on my Transunion Credit Report. It is reporting me XXXX days late when this is not the case, and the account also says closed, and they have not been reporting late payments every month either. They have reported me late a total of 7 times since I filed and included them in my XXXX XXXX XXXX as of XX/XX/XXXX with a balance of {$5800.00}.
This account was closed as of XX/XX/XXXX so how are they reporting me as being late with payments and a remaining balance on a closed account? They also received a payment in the amount of {$16000.00}.
I am also trying to purchase a vehicle and the rule of thumb is that your credit report can be run for 30 days without impacting your score and this has not been the case either. I currently have a total of XXXX hard inquiries on my credit report that have also affected and impacted my score significantly as of XX/XX/XXXX.
XXXX is reporting inaccurate and incorrect information on my credit report with them for several accounts and they are as follows : XXXX XXXX XXXX has a medical bill listed on this report as well in the amount of {$110.00} and it is showing as a collections account. The original creditor was XXXX XXXX XXXX who spoke to me and the insurance company multiple times and were told to rebill and refile so that they could receive payment from the insurance company. So why are they reporting this as a collection account when they were at fault and did not rebill or refile in a timely manner as they were told to do so multiple times by myself and the insurance company. This is their fault not mine but yet it is listed on my credit report as a collection item. I did reach out to XXXX XXXX XXXX who told me even if I pay it the item will remain and this is not right when I contacted them for over a year telling them to rebill and refile to receive their payment. I had insurance it is no reason for them to have listed this item on my credit report.
XXXX XXXX XXXX XXXX was included in my XXXX XXXX XXXX filed on XX/XX/XXXX and they also charged the item off and then turned around and reported me as being late and are still reporting me as being late when this is not the case at all. The amount is {$730.00}, and this account is also showing closed and has been closed since XX/XX/XXXX.
XXXX XXXX XXXX XXXX needs to be updated to reflect that it was included in my XXXX XXXX XXXX as of XX/XX/XXXX and this item is not late as is being reported on my Transunion Credit Report. It is reporting me XXXX days late when this is not the case, and the account also says closed, and they have not been reporting late payments every month either. They have reported me late a total of 7 times since I filed and included them in my XXXX XXXX XXXX as of XX/XX/XXXX with a balance of {$5800.00}.
This account was closed as of XX/XX/XXXX so how are they reporting me as being late with payments and a remaining balance on a closed account? They also received a payment in the amount of {$16000.00}.
I also want all of the hard inquiries updated as well on my credit report that has also affected and impacted my score significantly as of XX/XX/XXXX.
|
| 07/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : Last Four-XXXX | DOB : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately if you are in violation. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Pursuant to 15 USC 1611 Transunion, XXXX, and XXXX, are criminally liable.
I'm bothered that you have incorporated the data beneath in my credit profile and that you have neglected to keep up sensible methods in your activities to guarantee the most extreme conceivable exactness in the credit reports you distribute. Credit announcing laws guarantee that agencies report just 100 % exact credit data. Each progression should be taken to guarantee the data detailed is totally precise and right. The accompanying data in this way should be re-researched.
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite my written requests, the unverified items listed below in my dispute letters as evidence still remains on my credit report in violation of Federal Law. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you will be liable for your willful non-compliance.
I also enclosed the Letters that you Failed to Respond to.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of consumer credit information. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is an FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mix up one person 's information with another 's because of similar ( or the same ) last names or social security numbers. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable, and Invalidated I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend to pursue litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
* Please remove all non-account holding inquiries This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Please note that you had 30 days to complete this investigation and you failed, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), If you can not verify the information within the 30-day time period, you must delete all of the disputed accounts from my report.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification.
Seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : Last Four-XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : XXXX XXXX XXXX , XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller of The Currency CC : Federal Reserve System CC : Credit and Insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory Agency Division of Consumer Complaints Thank You, XXXX XXXX
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| 05/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Identity Theft and Fraudulent Accounts - Response to Findings Dear XXXX XXXX, TRANSUNION, and XXXX I am writing to address your recent communication regarding the findings of your fraud specialists in response to my concerns about the accounts opened under my name. I appreciate your review of the matter ; however, I must assert that I am a victim of identity theft, and the fact remains unchanged regardless of your findings. I would like to emphasize that I did not open any auto loan account with XXXX XXXX, and the information you have provided does not accurately reflect the circumstances surrounding this case.
I would like to emphasize that regardless of your findings, the fundamental fact remains that I did not enter into any contractual agreements or engage in transactions with XXXX XXXX or XXXX XXXX.
Identity theft, as recognized under both common law and statutory provisions, constitutes a grave violation of an individual 's rights and personal security. It is crucial to acknowledge that the burden of proof lies with the accused party to demonstrate the legitimacy of the transactions attributed to my name. While you have presented documents such as a signed credit application and contract, it is imperative to consider that these documents have been forged or obtained fraudulently by the perpetrator of the identity theft.
It is crucial to consider that the claimed recordings presented as evidence can be subject to manipulation and tampering, possibly facilitated by artificial intelligence technology. In the revolutionary technology-driven year of 2023, it is known that AI has the capability to mimic and replicate voices, as well as mask phone numbers. Therefore, the conversations and the telephone number associated with the accounts in question can not be solely relied upon as proof of my involvement. Moreover, your result findings that AI can not secure a cellphone number or replicate voices is contradicted by the increasing number of identity theft cases involving AI-assisted scams, which have caused significant harm to individuals ' lives.
The advancements in AI technology have made it increasingly plausible for scammers to exploit these tools, masking phone numbers and imitating legitimate individuals. Therefore, the argument that AI can not secure a cellphone number, replicate voices, or mask phone numbers is unfounded, as there have been numerous documented cases of AI-aided identity theft in recent years.
Moreover, I would like to invoke the protections afforded to consumers under the Universal Commercial Code ( UCC ) and the Fair Credit Act ( FCA ). The UCC places the burden of proof on the party claiming a valid contract, and in this case, XXXX XXXX would need to provide clear and convincing evidence that I willingly and knowingly entered into the auto loan agreement. Additionally, the FCA emphasizes the importance of consumer rights and provides provisions for dispute resolution and investigation of fraudulent activities. It is imperative that you engage fully with the applicable laws and regulations to ensure a fair and just resolution to this matter.
I find it disheartening that XXXX XXXX, as a financial institution, is dismissing the possibility of my innocence without thoroughly considering the mounting evidence of identity theft. The fact that my elementary signature that can easily be replicated, which I have used consistently since grade-school, does not match the signatures on the origination documents further supports my claim. It is important to note that identity theft cases involving AI are on the rise, and it is imperative for financial institutions including XXXX adapt to these evolving threats and take responsibility for their customers ' protection.
Furthermore, I find it disconcerting that XXXX appears to dismiss the potential role of AI in the perpetration of identity theft, especially in this technologically advanced era. The claim that AI can not secure a cellphone number, replicate voices, or mask phone numbers demonstrates a lack of understanding of the current capabilities of such technologies. This dismissal of emerging threats and the failure to adopt adequate measures to protect consumers further raises concerns about the bank 's commitment to customer security and well-being.
Given the gravity of this situation and the significant impact it has had on my financial and personal life, I implore you to conduct a thorough and unbiased investigation into the matter. I urge you to collaborate with specialized fraud detection experts, leverage advanced forensic analysis techniques, and involve relevant law enforcement agencies to uncover the truth behind this identity theft. It is my firm belief that, with diligent efforts and adherence to legal obligations, the authenticity of the claimed recordings, signatures, and phone numbers will be called into question, ultimately revealing the fraudulent nature of the accounts in question.
It is crucial to note that the authenticity of the claimed recordings, signed credit application, and contract can be called into question. Given the circumstances surrounding this case, it is evident that the signatures present on these documents are not mine, and the phone numbers associated with the account activities were not under my control or authorization. These discrepancies strongly indicate that the identity thief has resorted to fraudulent means to establish a false connection between my name and the accounts in question.
Please provide me with written confirmation of the receipt of this letter, an update on the progress of your investigation within a reasonable timeframe, and a clear plan of action to rectify this unjust situation, and an immediate update on the actions you will take to rectify this situation. I reserve my rights to pursue legal remedies, including filing a formal complaint with regulatory authorities, seeking restitution for damages incurred, and taking civil actions against all parties responsible for this fraudulent scheme.
I anticipate your prompt attention to this matter and a fair resolution that acknowledges the truth and restores my rightful standing. Your cooperation in resolving this issue is of utmost importance to me.
Thank you for your attention to this matter. I trust in your commitment to the principles of justice and accountability.
Yours sincerely, XXXX XXXX
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| 07/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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DEPT OF ED/XXXX {$3700.00} Balance updated XX/XX/XXXX 16 late payments Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$3700.00} {$2000.00} Payment Info Status Current, was past due 180 days or more Updated on XX/XX/XXXX Past due amount - Original loan amount {$2000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 83 % of your payments on time for this account.
XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX90 120 120 120 120 120 XX/XX/XXXX90 120 120 XX/XX/XXXX90 120 120 XX/XX/XXXX 90 XX/XX/XXXXXX/XX/XXXX90 120 120 XX/XX/XXXXOn Time 120+ Days Late 90 Days Late Data Unavailable Additional info Responsibility Individual Terms 114 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$6700.00} Balance updated XX/XX/XXXX 16 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$6700.00} {$4500.00} Payment Info Status Current, was past due 180 days or more Updated on XX/XX/XXXX Past due amount - Original loan amount {$4500.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 83 % of your payments on time for this account.
XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX90 120 120 120 120 120 XX/XX/XXXX90 120 120 XX/XX/XXXX90 120 120 XX/XX/XXXX90 XX/XX/XXXXXX/XX/XXXX90 120 120 XX/XX/XXXX On Time 120+ Days Late 90 Days Late Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$4500.00} Balance updated XX/XX/XXXX 16 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$4500.00} {$3000.00} Payment Info Status Current, was past due 180 days or more Updated on XX/XX/XXXX Past due amount - Original loan amount {$3000.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 83 % of your payments on time for this account.
XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX90 120 120 120 120 120 XX/XX/XXXX90 120 120 XX/XX/XXXX90 120 120 XX/XX/XXXX 90 XX/XX/XXXXXX/XX/XXXX90 120 120 XX/XX/XXXXOn Time 120+ Days Late 90 Days Late Data Unavailable Additional info Responsibility Individual Terms 120 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$2000.00} Balance updated XX/XX/XXXX 16 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 0 % Balance on XX/XX/XXXX Loan Amount {$2000.00} {$1100.00} Payment Info Status Current, was past due 180 days or more Updated on XX/XX/XXXX Past due amount - Original loan amount {$1100.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 83 % of your payments on time for this account.
XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX90 120 120 120 120 120 XX/XX/XXXX90 120 120 XX/XX/XXXX90 120 120 XX/XX/XXXX90 XX/XX/XXXXXX/XX/XXXX 90 120 120 XX/XX/XXXXOn Time 120+ Days Late 90 Days Late Data Unavailable Additional info Responsibility Individual Terms 114 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account DEPT OF ED/XXXX {$850.00} Balance updated XX/XX/XXXX 12 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Education Loan Paid Off : 53 % Balance on XX/XX/XXXX Loan Amount {$850.00} {$1800.00} Payment Info Status Current, was past due 180 days or more Updated on XX/XX/XXXX Past due amount - Original loan amount {$1800.00} Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more You've made 88 % of your payments on time for this account.
XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX90 120 120 120 120 XX/XX/XXXX 90 120 XX/XX/XXXX 90 120 XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX90 120 120 XX/XX/XXXXOn Time 120+ Days Late 90 Days Late Data Unavailable Additional info Responsibility Individual Terms 110 Months Company sold - Original creditor - Comments Dispute resolved consumer disagrees Your statements - Contact XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Is everything correct?
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail.
Dispute this account XXXX {$5700.00} Balance updated XX/XX/XXXX 16 late payments filed ftc 60 days ago remove it XXXX was sued b/c of this by the CFPB
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| 12/10/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I've recently disputed with TransUnion on several occasions for an account named XXXX XXXX XXXX and they've failed to investigate properly with the disputes I've been sending in to them. If they did investigate properly they would see that XXXX XXXX XXXX has continued to say this account was verified in which it hasn't been and continue to have inaccuracies time after time. These are violations that the CFPB are not pointing out to TransUnion and by law this account should have been taken off my account with TransUnion by now. I intend on suing TransUnion for defamation of character by not properly investigating the matter 's in which I keep disputing with them on dealing with XXXX XXXX XXXX. After XXXX XXXX XXXX sees this report and changes are not made legal actions will be taken against them as well because this is not my account and they continue to report this account on my credit profile. I don't have anything on my credit profile besides a secure credit card which is here to help me build credit. By keeping this account showing on my credit report as a charge off has hindered me from obtaining credit with lenders because of the inaccurate information showing on my credit report which indeed is not mines. I have a list of inaccuracies that have not been updated within 2 months of disputing. Also XXXX XXXX XXXX can't Keep saying they updated my account properly and they have not done so. I will not be settling out of court at this point and I'm asking for punitive damages and financial compensation if XXXX XXXX XXXX doesn't take this off my credit report as well as TransUnion. I would like to paid for every inaccuracy that hasn't been updated since XX/XX/2022 If this account is not taken off my credit profile.
If my account is updated properly why was interest added on to a charged off account years after it was first charged off?
I have proof showing the amount they say I owed before I disputed that account on XX/XX/2022 and also I have proof showing money added to to the balance after disputing with TransUnion. Interest can't be added to a charged off account if they didn't properly notify me in the contract in which I never signed because this is not my account. Also under the XXXX of lending XXXX they were to properly notify me of any balances on the account. Being that they didn't even have the correct address for me how would they even been able to notify me of any balances they say I owe. Furthermore that much interest isn't allowed under Georgia law after 2 months from XX/XX/2022 when I first disputed this account with TransUnion to the time it updated in XXXX of 2022. If XXXX XXXX XXXX claims it's not interest that was added to make the balance go up after 3 years then thats another violation for them not accurately reporting the correct info on my account with TransUnion after me disputing this balance time after time. So which one is it, did XXXX XXXX finance report inaccurate information to the credit bearueas month after month about my balance or they inaccurately charged me the wrong amount of interest from XXXX of 2022 to XX/XX/2022. If they've updated to my account correctly time after time with TransUnion then these inaccuracies would have been updated without me having to point them out.
Another violation is how they continue to report a charge off every month in my payment history. Once an account is closed and charged off, it shouldn't show up every month in my payment history as a charge off. The date of last activity should have been the last payment made on the account by me. I have proof of this inaccuracy but every month I dispute with TransUnion, XXXX XXXX XXXX is telling TransUnion they've updated my account properly. If TransUnion would have thoroughly investigated and realized XXXX XXXX XXXX is not accurately reporting this account on my credit report this account would have been removed by now because time after time it's reporting inaccurately to my credit report. This is a violation of my consumer rights.
Another violation is that XXXX XXXX XXXX is showing a address In which is different then the address in where I stayed at at the time they leased out that furniture. Ive spoken with several reps at XXXX XXXX XXXX also and when I ask the general question on do they allow customers to pick up furniture with their own trucks from their store when leasing items that are big as couches, their answer was no if it's being leased, they said they want to ensure the furniture to be delivered to the correct address. I have all of this documented as well. That tells me that the furniture was delivered to another address and I never received those items to begin with if I had an account with them. I've shown them proof of this address and they continue to allow XXXX XXXX XXXX report this account on my credit profile after all these violations and after all the times I've been disputing since XX/XX/2022. How does one continue to say they are accurately reporting correct to the credit bearueas about an account and every month I'm showing TransUnion a different inaccuracy on my credit report from XXXX XXXX XXXX? TransUnion is ignoring these inaccuracies every month that XXXX XXXX XXXX is reporting to them also.
Something has to be done and I'm now holding the XXXX accountable as well for not making sure TransUnion is making sure XXXX XXXX XXXX is not violation my consumer rights by allowing them to report inaccurate information on my credit profile every month. This is defamation of character on XXXX XXXX XXXX part as well as TransUnion and soon it will be XXXX issue as well for not penalizing TransUnion for continuing to allow XXXX XXXX XXXX to report the wrong info on my credit profile every month after disputing and showing proof. Enclosed is proof showing my address at the time they say I had an account with XXXX XXXX XXXX, proof a balance was updated on a charge off account 3 years later with TransUnion, also proof that XXXX XXXX XXXX is showing in my payment history that it's a charge off every month basically making it seem to other creditor 's that this was a recent charge off which indeed distorts my correct score whenever I populate XXXX.
This account should have been taken off my credit report long time ago after they continue to report incorrect info on my credit report. I've never done business or signed a contract with XXXX XXXX XXXX.
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| 04/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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There are several glaring inaccuracies on my Transunion credit report that I have submitted quite a few online disputes including documentation in the past few years with no recourse. On XX/XX/XXXX, I sent Transunion a formal ( notarized & certified ) request asking them to reinvestigate and verify several of these accounts. I also requested the description in which they would be using to verify these accounts as it seems my requests for a legitimate investigation have simply been blown off. In response, not only did I basically receive a copy of my unchanged Transunion credit report ( dated XX/XX/XXXX ) stating the accounts were " verified '' ( with no information on the description they used to " verify '' any of the information ) but they also attached an address where I've NEVER resided ( in a state halfway across the country from my residence ) AS WELL AS a new mysterious collection account on behalf of a utility company I had never heard of - for my troubles.
Please note, prior to Transunion receiving my initial formal request on XX/XX/XXXX for them to verify the specific accounts listed, I had already personally reached out to a few of these creditors directly and had in my possession documentation that several of the accounts Transunion for years listed as being derogatory had already either been PAID - as well as correspondences going back over 3 years where the creditors stated they reached out to Transunion on several occasions and yet nothing happened. I even have copies of my receipts of payments to one of the main creditors that I have vehemently disputed for years - ALL of which were already previously sent to Transunion. In addition, I have letters from creditors stating outright that they themselves could not locate my accounts in their database. Yet somehow Transunion is continuously able to " verify '' the information with these very same creditors? It is not unreasonable to doubt that any investigation/reinvestigation of ANY of these accounts ever occurred.
I then sent my second request ( notarized and certified ) to Transunion on XX/XX/XXXX exercising my rights under the FCRA further insisting on their methods of verification. I also requested a copy of the original creditor 's documentation that by law they are supposed to have on file. If they had neither method nor documentation on file, not only did I insist on my right to have the accounts deleted, but I also included several of the above listed creditor responses AS WELL AS additional supporting documents from XXXX and XXXX XXXX ( one of Transunions own partners ) who both so happened to notify me on XX/XX/XXXX of the FIVE credit databreaches that I was reported to have been involved in during the past few years. I included these notices and creditor letters in my request as an effort of good faith hoping that someone would finally take my requests seriously and simply do the job of verifying the account information. However in early XX/XX/XXXX even after all of the supporting documents, I STILL received another boilerplate credit report.
Nevertheless, I persisted. On my third attempt on XX/XX/XXXX, I mailed yet another certified and notarized request to Transunion advising them that it had now been 59 days since my initial request for a reinvestigation. I insisted that the unverified accounts be removed as they were now in clear violation of the FCRA, yet those accounts remained. Instead, what they DID do was send me a notice dated XX/XX/XXXX ( a full 69 DAYS from Transunion 's certified receipt of my first request ) inserting someone's name ( who that person is, I have no idea ) onto one account giving no additional details and filed a fraud alert on my behalf with another creditor. Several other accounts still remain completely unchanged.
As if that was not bad enough, I contacted the mysterious collection account that seemed to suddenly appear on my credit report after my initial request, ( XXXX XXXX XXXX XXXX on behalf of XXXX XXXX/a utility company clear across the country from me ) and not only was I advised by the representative that they have no record of anyone from Transunion contacting them about verifying this account, they themselves caught this error MONTHS ago and reached out to Transunion ( as well as their client ) several times since the beginning of the year - in fact, as recently as XX/XX/XXXX ; each time requesting a deletion from my credit report. On my phone call today ( XX/XX/XXXX ) to XXXX XXXX XXXX XXXX ( I also called on XX/XX/XXXX ), I spoke with Account Representative, XXXX, and put in a 2nd request for them to mail me the official recall documents confirming the error, recall and dates that they submitted these recall requests directly to Transunion ; which I will be more than happy to upload to this complaint upon receipt. In the meantime, XXXX XXXX XXXX XXXX ' phone number is XXXX and XXXX and her supervisor have been more than helpful and accommodating.
Lastly, for good measure, although no new additional derogatory information has been added, immediately after my second & third letters, Transunion has decreased my score a few points ( only to bring it back up again a few points but never making any real substantial changes ).
Outside of the blatant FCRA violations, I also personally think the reporting of the ADDITIONAL ( false ) address/creditor/collection agency information on my credit, the shaving off of a few points here and there as well as the filing of a fraud alert to a company versus actually doing the job of verifying accounts upon request shows a deeper insidious pattern of Transunion intentionally using scare tactics on customers from demanding fair credit reporting on their part. With my documentation, I believe I can clearly show that even after a more than decent amount of communication and effort on my part, a reasonable person can see that Transunion did NOT do the reinvestigation they claimed to have completed since they received my initial request way back on on XX/XX/XXXX, that they aren't above using intimidation tactics to attempt to scare customers from following up and demanding their rights be upheld and they definitely did not handle this before XX/XX/XXXX which was the duration of the timely 45 days as required by law.
Please note, after logging this complaint, I will also be emailing this to Transunion CEO, XXXX XXXX. Thank you.
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| 11/09/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This letter shall serve as formal notice of my intent to file a complaint with the FTC, due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago : This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
In accordance with the fair credit reporting act Convergent accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion have violated my rights .
This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following :? What the money you say I owe is for :? Explain and show me how you calculated what you say I owe :? Provide me with copies of any papers that show I agreed to pay what you say I owe :? Provide a verification or copy of any judgment if applicable :? Identify the original creditor :? Prove the Statute of Limitations has not expired on this account :? Show me the you are licensed to collect in my state :? Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or TransUnion this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following :? Violation of the Fair Credit Reporting Act? Violation of the Fair Debt Collection Practices Act? Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be Inaccurate or invalidated or verifying an account as accurate, when in fact there is no prdeleted and completely removed from my credit report and a copy of such deletion { to ovided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and TransUnion } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
I demand that the following account be verified or removed immediately : I demand that the following account be verified or removed immediately :
|
| 11/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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XXXX, XXXX and Transunion continue to disregard the Federal Laws for Identity Theft. They allowed this company XXXX XXXX AKA XXXX XXXX XXXX to come back under a different name and they added this back onto my report under a different name XXXX. I have never attended college nor have I taken a loan for someone. XXXX is another issue that continues to keep popping up. I am XXXX years old and I have NEVER attended college. Someone is using my identity to get over on others. Under federal laws, they were to notify me within 5 days and they didn't. I am a victim of identity theft and they aren't clearly following the law. I should not have to continue to be harassed or afraid that someone has all of my information. by these fraudulent accounts as well as someone stealing my social security checks. If this isn't removed within 3 business days from XX/XX/2018, I will be pursuing a lawsuit against all 3 credit bureaus. Because of their breach, they are allowing these fraudulent transactions to continue to harass victims like me. I have included my identity theft report because they aren't hearing that I am a victim of identity theft. Not only have these criminals taken over my credit report and personal information but they also stole my social security checks as well. This is not my account and I need for it to be removed immediately. This is not fair to me and other identity theft victims. CFPB please look into this immediately. I contacted XXXX regarding this and they assured me that this would be removed but it hasn't and right now I can't trust anything they say. a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Attachments XXXX ( 2.5 MB ) XXXX XXXX XXXX XXXX XXXX ( 113.8 KB )
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| 04/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
2. Identity Theft XXXX Account Number : XXXX Please remove it from my credit report.
3. Identity Theft XXXX XXXX XXXX XXXX I Account Number : XXXX Please remove it from my credit report.
4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
5. Identity Theft XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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In XXXX of XXXX I sent in my dispute to XXXX, XXXX, and Transunion regarding the violation of my rights. Specifically, 15 U.S.C. 1681B which states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. I received a response from the consumer reporting agencies that the information that they had reported was verified. The consumer reporting agency made not effort to describe how this information was investigated and has since continued to promote false and inaccurate information on my consumer report. For example, in XX/XX/XXXX XXXX XXXX provided me with false and inaccurate information after being notified that the information they were reporting was incorrect and in dispute. XXXXXXXX XXXX account number XXXX has continued to violate 15 U.S.C. 1681B which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. XXXX XXXX has never obtained my consent to provide and report my information and these actions have had an adverse and negative affect on me. XXXX XXXX also did not follow proper protocol with regards to the repossession and the sale of the vehicle. XXXX XXXX sold the vehicle and never provided me with the required information regarding the sale nor the required 1099c. They did not report accurate balances, payment dates, sale dates, and they have continued to violate my rights regarding the reporting of this account and I demand that this account be immediately DELETED from my consumer report. Another account that has consistently been in violation is XXXXXXXX XXXX account numbers : XXXX and numbers XXXX. I disputed these accounts in XX/XX/XXXX and XXXX XXXX has since made no efforts to correct their violations. As mentioned before, 15 U.S.C. 1681B states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. This agency has reported information in violation of these laws. They have reported inaccurate balances, inaccurate dates, inaccurate payment histories and this has consistently harmed my credit worthiness. I am NOW seeking the immediate DELETION of both of these accounts from XXXX Card immediately from my consumer report. Another account that I reported in XX/XX/XXXX that has not been resolved and is consistently violating my rights is XXXX XXXX account XXXX. This company has also violated 15 U.S.C. 1681B and also 15 U.S. Code 1692c. The fair credit reporting act grants me the right to privacy and also requires my written consent for reporting information. This account has consistently violated these rights since XX/XX/XXXX. XXXX XXXX has no reported balance on my credit profile. I have NO Business with this company. This company has fraudulently misused my information and has been negatively impacting my creditworthiness. XXXX is not tied to any open account and I have notified them that their information is in dispute and inaccurate. Their continued promotion of this negative information while knowing it is inaccurate is a violation of the fair credit reporting act and is Fraud. I am NOW demanding the immediate removal and DELETION of XXXX from my consumer report. XXXX XXXX XXXX XXXX with account number XXXX is another account that has consistently been in violation. XXXXXXXX XXXX XXXXXXXX XXXX has not reported accurate balances, payment dates, and they have never provided me with the necessary documentation regarding the repossession and sale of an automobile. The tax code states that the sale of a vehicle is reported as income and thus requires a 1099c. XXXX XXXX has never provided me with a 1099c. They sold the vehicle, profited the money, and incorrectly reported it to the reporting agencies, all while failing to provide me with proper documentation. Recently they hired a collection agency that has continued their inaccurate reporting and I am demanding that it STOP. This account and the reporting of it is in violation of the laws of the FCRA listed above relating to consent and privacy. The reporting agencies have failed to show how this account was verified. How did they conduct their investigation? How did they verify the balances? I provided documents in XX/XX/XXXX showing the inaccuracies on the reports but those documents were ignored. FCRA prohibits the reporting of information when they have been given reason to believe that it is inaccurate 15 U.S.C. 1681S. I provided reasonable cause to the reporting agency and they have consistently violated my rights. Now I am DEMANDING that XXXXXXXX XXXX XXXX XXXXXXXX be IMMEDIATELY DELETED from my consumer report so that no further harm to my creditworthiness is done. The final account that I disputed in XX/XX/XXXX that was not resolved was with XXXX XXXX XXXX XXXX XXXX XXXX with account number XXXX. This account has also violated 15 U.S.C. 1681A, 15 U.S.C. 1681B, 15 U.S.C. 1681S, and 15 U.S. Code 1692c. XXXX has not reported accurate balances, payment history, dates of sale. And Neither have they provided me with accurate documents regarding when they repossessed the vehicle and when they sold it. XXXX also failed to follow the tax code and provide me with a 1099c after the sale of the vehicle. I contacted XXXX and put them on notice that their information is inaccurate and in violation of the fair credit reporting act and they have since done nothing. I am NOW DEMANDING that this account be IMMEDIATELY DELETED. The Fair Credit Reporting Act is designed to ensure accuracy and fairness in credit reporting. Because Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C. 1681 602. Unfortunately this reporting agency has failed to honor the law and has not provided fairness and impartiality. They have consistently failed to respected my rights to privacy under the law. Therefore, I am NOW DEMANDING the IMMEDIATE DELETION of all accounts listed above.
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| 06/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Servicemember |
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On XX/XX/2023 I filed a complaint concerning the credit reporting agencies handling of inaccuracies appearing on my credit report that have been confirmed as fraud through numerous law enforcement agencies and other credit bureaus. Transunion has done nothing but give me responses generated by " Artificial Intelligence '. ( see enclosed response ) They continuously disregard my complaints. Nothing concerning my credit report has changed since the last complaint. The law is clear concerning the removal of items found on a consumers credit report that are the result of fraud. U.S. Code Title 15 CHAPTER 41 SUBCHAPTER III 1681c2 15 U.S. Code 1681c2 - Block of information resulting from identity theft U.S. Code Notes prev | next ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind ( 1 ) In general A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers ( 1 ) No reseller file This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ), otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ), identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ), a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter. Transunion seems to think they are above this law. So that there is no ambiguity, I will be direct and to the point. Addresses : ( 1 ) XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( 2 ) XXXX XXXX XXXX. XXXX XXXX, GA XXXX THESE ADDRESSES ARE OUTDATED AND HAVE BEEN LINKED TO MY IDENTITY BEING STOLEN. ( see enclosed postal service mail forwarding confirmation and case number ) THEY NEED TO BE REMOVED Employment : ( 1 ) The business name XXXX XXXX XXXX has been legally changed to XXXX XXXX XXXX ( see enclosed Certificate of Existance ) ( 2 ) XXXX XXXX XXXX XXXX ( XXXX ) is my previous employer Inquiries : I wish Transunion would communicate with furnisher of these inquiries. If they did so they would see that the steps they instruct consumers to take in removal of fraudulent items are inaccurate. THE FOLLOWING INQUIRIES WERE DONE SO FRAUDULENTLY AND WITHOUT MY CONSENT : ( 1 ) XXXX XXXX ( XXXX ) & ( XXXX ) ( 2 ) XXXX XXXX XXXX XXXX ( XXXX ) ( 3 ) XXXX ( XXXX ) ( 4 ) XXXX XXXX XXXX ( XXXX )
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| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In XXXX of XXXX I sent in my dispute to XXXX, XXXX, and Transunion regarding the violation of my rights. Specifically, 15 U.S.C. 1681B which states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. I received a response from the consumer reporting agencies that the information that they had reported was verified. The consumer reporting agency made not effort to describe how this information was investigated and has since continued to promote false and inaccurate information on my consumer report. For example, in XX/XX/XXXX XXXX XXXX provided me with false and inaccurate information after being notified that the information they were reporting was incorrect and in dispute. XXXX XXXX account number XXXX has continued to violate 15 U.S.C. 1681B which states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. XXXX XXXX has never obtained my consent to provide and report my information and these actions have had an adverse and negative affect on me. XXXX XXXX also did not follow proper protocol with regards to the repossession and the sale of the vehicle. XXXX XXXX sold the vehicle and never provided me with the required information regarding the sale nor the required 1099c. They did not report accurate balances, payment dates, sale dates, and they have continued to violate my rights regarding the reporting of this account and I demand that this account be immediately DELETED from my consumer report.
Another account that has consistently been in violation is XXXX XXXX account numbers : XXXX and numbers XXXX. I disputed these accounts in XX/XX/XXXX and XXXX XXXX has since made no efforts to correct their violations. As mentioned before, 15 U.S.C. 1681B states that I have a right to the privacy of my personal information and 15 U.S.C. 1681B section 2 states that reporting agencies shall not provide my report without the written instructions of the consumer to whom it relates. This agency has reported information in violation of these laws. They have reported inaccurate balances, inaccurate dates, inaccurate payment histories and this has consistently harmed my credit worthiness. I am NOW seeking the immediate DELETION of both of these accounts from XXXX Card immediately from my consumer report.
Another account that I reported in XX/XX/XXXX that has not been resolved and is consistently violating my rights is XXXX XXXX account XXXX. This company has also violated 15 U.S.C. 1681B and also 15 U.S. Code 1692c. The fair credit reporting act grants me the right to privacy and also requires my written consent for reporting information. This account has consistently violated these rights since XX/XX/XXXX. XXXX XXXX has no reported balance on my credit profile. I have NO Business with this company. This company has fraudulently misused my information and has been negatively impacting my creditworthiness. LoanMe is not tied to any open account and I have notified them that their information is in dispute and inaccurate. Their continued promotion of this negative information while knowing it is inaccurate is a violation of the fair credit reporting act and is Fraud. I am NOW demanding the immediate removal and DELETION of XXXX from my consumer report.
XXXX XXXX XXXX XXXX with account number XXXX is another account that has consistently been in violation. XXXX XXXX XXXX XXXX has not reported accurate balances, payment dates, and they have never provided me with the necessary documentation regarding the repossession and sale of an automobile. The tax code states that the sale of a vehicle is reported as income and thus requires a 1099c. Mechanics bank has never provided me with a 1099c. They sold the vehicle, profited the money, and incorrectly reported it to the reporting agencies, all while failing to provide me with proper documentation. Recently they hired a collection agency that has continued their inaccurate reporting and I am demanding that it STOP. This account and the reporting of it is in violation of the laws of the FCRA listed above relating to consent and privacy. The reporting agencies have failed to show how this account was verified. How did they conduct their investigation? How did they verify the balances? I provided documents in XX/XX/XXXX showing the inaccuracies on the reports but those documents were ignored. FCRA prohibits the reporting of information when they have been given reason to believe that it is inaccurate 15 U.S.C. 1681S. I provided reasonable cause to the reporting agency and they have consistently violated my rights. Now I am DEMANDING that XXXXXXXX XXXX XXXXXXXX XXXX be IMMEDIATELY DELETED from my consumer report so that no further harm to my creditworthiness is done.
The final account that I disputed in XX/XX/XXXX that was not resolved was with XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX. This account has also violated 15 U.S.C. 1681A, 15 U.S.C. 1681B, 15 U.S.C. 1681S, and 15 U.S. Code 1692c. XXXX has not reported accurate balances, payment history, dates of sale. And Neither have they provided me with accurate documents regarding when they repossessed the vehicle and when they sold it. XXXX also failed to follow the tax code and provide me with a 1099c after the sale of the vehicle. I contacted XXXX and put them on notice that their information is inaccurate and in violation of the fair credit reporting act and they have since done nothing. I am NOW DEMANDING that this account be IMMEDIATELY DELETED. The Fair Credit Reporting Act is designed to ensure accuracy and fairness in credit reporting. Because Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy 15 U.S.C. 1681 602. Unfortunately this reporting agency has failed to honor the law and has not provided fairness and impartiality. They have consistently failed to respected my rights to privacy under the law. Therefore, I am NOW DEMANDING the IMMEDIATE DELETION of all accounts listed above.
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| 06/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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After careful review of my report and study of my rights as a consumer under FCRA, FRA, it has come to my attention that there are several inaccuracies within that need to be corrected immediately.
The accounts in question are below XXXX XXXX Account XXXX to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately.
XXXX XXXX Account XXXX to 15 USC 1666, late payments can not be placed on an open line of credit. The bureaus have assumed the responsibility of ensuring only accurate information is reported onto credit reports. This account is INACCURATE as I have never been late on a payment. Please Correct immediately.
XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. This is a duplicate account reporting. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
XXXX XXXX XXXXOriginal creditor XXXX XXXX XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
XXXX XXXX Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m This is a charge off account I have no knowledge of and the balance should reflect XXXX per the FCRA. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
PORTFOLIO RCOriginal creditor : XXXX XXXX XXXX XXXX XXXX XXXX A Account XXXX This is my second attempt to remove this alleged debt. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m This is a charge off account I have no knowledge of and the balance should reflect XXXX per the FCRA. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Record type Bankruptcy XXXX XXXX XXXX XXXX XXXX CT GA XXXX Ive made multiple attempts to remove this reporting which has reached the status of limitations. I have not given written consent for this account to be placed on my report and is a direct violation of my rights under 15 USC 1681i. 15 U.S. Code 1681m I was also NEVER informed of this account being sold, why was my personal information sold against my knowledge?? That is IDENTITY THEFT. There was no full investigation of reasonable procedures for my dispute requests. I was only given an updated report, that showed no updates.
THE FOLLOWING HARD INQUIRIES ARE NOT ATTACHED TO AN ANY OPEN ACCOUNTS ON MY PROFILE, NOR HAVE I GIVEN WRITTEN CONSENT FOR THEM TO BE PLACED ONTO MY REPORT. PURSUANT TO 15 USC 1681 Bureau : XXXX Creditor/Furnisher : XXXX Status XXXX In Dispute Bureau XXXX XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher XXXX Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : XXXX XXXX XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX XXXX Status XXXX In Dispute Bureau : XXXX Creditor/Furnisher : US SM BUS ADMIN ODA Status XXXX XXXX Dispute Bureau : XXXX Creditor/Furnisher : XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXX XXXX XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : XXXXXXXX XXXX XXXX Status : In Dispute Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher XXXX Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : XXXX Creditor/Furnisher : Incorrect personal information Status : Bureau : Transunion Creditor/Furnisher : XXXXXXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : XXXX XXXX XXXX Status : In Dispute Bureau : Transunion Creditor/Furnisher : Incorrect personal information Status : Bureau : Transunion Creditor/Furnisher : Incorrect personal information Status : Bureau : Transunion Creditor/Furnisher : Incorrect personal information Status : If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit, then it must be removed from ALL reports immediately.
Upon receipt of this letter/email correspondence you are to CEASE & DESIST ANY communication via phone, text or email, ANY further communications are to be addressed via the US POSTAL MAIL ONLY..
AGAIN, Pease send validation of ALL THE ABOVE alleged debt to include documentary material, the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, charts, logs, electronic files, or other data compilations stored in any medium.
If you can not provide the viable proof that this alleged debt is mine and has been reported to my credit then it must be removed from ALL reports immediately.
Again, CEASE & DESIST ALL communication, via email, phone or text, you are ONLY to communicate with me via US POSTAL MAIL ONLY...
Thank you, XXXX XXXX
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| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, XXXX XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.
2. Identity Theft XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.
3. XXXX XXXX Account Number : XXXX Please remove it from my credit report.
4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
5. XXXX Account XXXX : XXXX This is not mine.
6. XXXX XXXXXXXX Account XXXX : XXXX Please remove it from my credit report.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Hello, I have already sent letters to the creditor asking them to remove these late payments they have not obeyed by what I have requested. Also they have violated my consumer law bacuse they never gave me the option to opt-out from reporting this information to a third party.
XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution.
( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
( e ) General exceptions Subsections ( a ) and ( b ) shall not prohibit the disclosure of nonpublic personal information ( 1 ) as necessary to effect, administer, or enforce a transaction requested or authorized by the consumer, or in connection with ( A ) servicing or processing a financial product or service requested or authorized by the consumer ; ( B ) maintaining or servicing the consumers account with the financial institution, or with another entity as part of a private label credit card program or other extension of credit on behalf of such entity ; or ( C ) a proposed or actual securitization, secondary market sale ( including sales of servicing rights ), or similar transaction related to a transaction of the consumer ; ( 2 ) with the consent or at the direction of the consumer ; ( 3 ) ( A ) to protect the confidentiality or security of the financial institutions records pertaining to the consumer, the service or product, or the transaction therein ; ( B ) to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability ; ( C ) for required institutional risk control, or for resolving customer disputes or inquiries ; ( D ) to persons holding a legal or beneficial interest relating to the consumer ; or ( E ) to persons acting in a fiduciary or representative capacity on behalf of the consumer ; ( 4 ) to provide information to insurance rate advisory organizations, guaranty funds or agencies, applicable rating agencies of the financial institution, persons assessing the institutions compliance with industry standards, and the institutions attorneys, accountants, and auditors ; ( 5 ) to the extent specifically permitted or required under other provisions of law and in accordance with the Right to Financial Privacy Act of 1978 [ 12 U.S.C. 3401 et seq. ], to law enforcement agencies ( including the Bureau of Consumer Financial Protection [ 1 ] a Federal functional regulator, the Secretary of the Treasury with respect to subchapter II of chapter 53 of title 31, and chapter 2 of title I of Public Law 91508 ( 12 U.S.C. 19511959 ), a State insurance authority, or the Federal Trade Commission ), self-regulatory organizations, or for an investigation on a matter related to public safety ; ( 6 ) ( A ) to a consumer reporting agency in accordance with the Fair Credit Reporting Act [ 15 U.S.C. 1681 et seq. ], or ( B ) from a consumer report reported by a consumer reporting agency ; ( 7 ) in connection with a proposed or actual sale, merger, transfer, or exchange of all or a portion of a business or operating unit if the disclosure of nonpublic personal information concerns solely consumers of such business or unit; or ( 8 ) to comply with Federal, State, or local laws, rules, and other applicable legal requirements ; to comply with a properly authorized civil, criminal, or regulatory investigation or subpoena or summons by Federal, State, or local authorities ; or to respond to judicial process or government regulatory authorities having jurisdiction over the financial institution for examination, compliance, or other purposes as authorized by law.
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| 07/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA. XXXX XX/XX/XXXX To : XXXX XXXX XXXX XXXX TransUnion, XXXX, XXXX ) Dear Sir/Madam, I am writing to bring to your attention the inconsistencies I have noticed on my credit report. These inaccuracies are severely damaging my credit score and require immediate attention. Please review the following items : XXXX. Customer Statement Section : Only XXXX has included my statement in this section. TransUnion and XXXX have violated my rights by not including my customer statement. I request that you copy the statement from XXXX onto TransUnion and XXXX.
XXXX. Misspellings and Variations of Name : There are multiple misspellings and variations of my name on the report. This is harmful to my credit profile. My name should be written as XXXX XXXX XXXX, and I expect it to be consistent throughout the report.
XXXX. Multiple Addresses : There are multiple addresses listed for me, which is incorrect. There should only be XXXX address associated with my profile : XXXX XXXX XXXX, XXXX, PA, XXXX.
XXXX. Employers Section : I have XXXX employers, and both should be accurately listed as follows : XXXX. XXXX XXXX XXXX. XXXX & XXXXXXXX XXXX
XXXX. Risk Factors Section : The generated statements in this section are inaccurate and should be removed as they are harming my credit profile.
XXXX. Summary Section : The information in the summary section is incorrect. I request that you adjust it once all account information has been updated and/or deleted to reflect accurate details.
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX ( previously disputed ) TransUnion : You are reporting false late payments in XXXX and XXXX of XXXX.
XXXX : You are reporting false late payments in XXXX and XXXX of XXXX.
XXXX : You are reporting false late payments in XXXX and XXXX of XXXX.
I have paid on time, and after the previous dispute, the dates have been shuffled, which is a violation of 15U.S.C 1681 ( S ) 2. This is inaccurate reporting, and I request that you delete this account from my consumer report in accordance with my FCRA rights.
XXXX. Violation of Reporting Accuracy : All three credit reporting agencies have violated 15U.S.C 1681a ( 2 ) a ( i ) by not reporting accurate information. If it is the same account, it should reflect the same information. I have marked the discrepancies in red on the attached document.
XXXX. Account Name : XXXX XXXX, XXXX.
Account Number : XXXX I request that you delete XXXX for reporting inaccuracies. During the investigation, XXXX followed the rules and deleted the account. However, TransUnion and XXXX did not, and they are currently in willful violation of my rights. They did not complete the investigation within the allotted 30 days, even after I filed a CFPB complaint. This is harming me, and each company is liable for a {$1000.00} violation. Additionally, they are not reporting the same information, which is a violation in itself. I have marked the discrepancies in red on the attached document.
XXXX. TransUnion is reporting the date of last active as XX/XX/XXXX, while XXXX is reporting it as XX/XX/XXXX.
XXXX. In a separate dispute, I demanded proof of payment for XX/XX/XXXX, which XXXX is reporting as " OK, '' but it is inaccurate. This discrepancy is grounds for the entire account to be deleted.
XXXX. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Update the account type detail to auto loan for all three bureaus.
XXXX. Update the number of months ( terms ) to XXXX months.
XXXX. Update the date last active to XX/XX/XXXX for all three bureaus.
XXXX. Update the account status to " paid in full. '' XXXX. TransUnion and XXXX should update all payment history to " OK '' to match XXXX. I have marked the discrepancies in red on the attached document.
XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX TransUnion and XXXX should update all payments to " OK '' to match XXXX. Additionally, please remove all comments and remarks. I have marked the discrepancies in red on the attached document.
XXXX. Account Name : XXXX XXXX Account Number : XXXX XXXX. XXXX should update the account type detail to revolving account.
XXXX. TransUnion and XXXX should update the number of months ( terms ) to " revolving '' to match XXXX.
XXXX. XXXX should remove the comment " variable rate. '' I have marked the discrepancies in red on the attached document.
XXXX. Account Name : XXXX XXXX XXXX.
Account Number : XXXX This account is in violation of 15U.S.C 1681 ( S ) 2. Therefore, I request that you delete this account from my consumer report due to inaccurate reporting and violation of my FCRA rights.
XXXX. Account Name : XXXX XXXX XXXX.
Account Number : XXXX This account is in violation of 15U.S.C 1681 ( S ) 2. Therefore, I request that you delete this account from my consumer report due to inaccurate reporting and violation of my FCRA rights.
XXXX. Uninitiated and Unauthorized Inquiries : These inquiries are harming my credit and causing damage.
XXXX. Please refer to the attached dispute from XX/XX/XXXX.
XXXX. The inquiry on XX/XX/XXXX is more than 30 days from the initial dispute, resulting in a {$1000.00} violation per occurrence. There were XXXX inquiries disputed, totaling $ {$15000.00} in violations.
XXXX. Inquiries : There are multiple inquiries on my credit report that I did not authorize or initiate. These inquiries are negatively impacting my credit score. I request that you investigate these inquiries and remove them from my credit report.
XXXX. Public Records : There are no public records listed on my credit report. However, I have a court judgment that should be included in this section. I request that you update my credit report to reflect this court judgment.
I have attached a copy of my credit report with the discrepancies marked in red for your reference. I kindly request that you investigate these issues and make the necessary corrections to my credit report as soon as possible.
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a free copy of my credit report once every 12 months. I would appreciate it if you could provide me with a free copy of my updated credit report once the necessary corrections have been made.
Thank you for your attention to this matter. I look forward to your prompt response and resolution of these issues.
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| 11/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction.
There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Agency and its members as Data Furnishers : To my knowledge as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : Listed in attachment.
Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report.
There is also a misrepresentation by the Trustees regarding the bankruptcy listed on the consumer report as being reported from the courthouse ; however, the fact of the matter is the information is being actually reported by XXXX XXXX XXXX and XXXX, additional trustees.
Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation.
The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, Transunion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice.
Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee.
Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; /s/ XXXX XXXX : XXXX XXXX XXXX, Beneficiary Non-person , Non-Statutory, All rights reserved. ( E-sign Act ) Date:XX/XX/2023
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| 08/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the
Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
To Whom It May Concern, In the course of recently screening my personal Transunion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
3. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
5. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
6. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
7. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
9. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof. To date, there is no testimonial certificate of facts that irrefutably display that I did
indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my
privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorize
d and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 04/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi, I am writing to notify of Unfair and Deceptive business practices by XXXX XXXX XXXX. XXXX XXXX XXXX reported to credit bureau having made no diligent efforts to notify me of late payments. Basic outline is below : XX/XX/XXXX - My loan for a purchase of secondary home was sold from XXXX XXXX to XXXX XXXX XXXX. On XX/XX/XXXX I went to XXXX website to set up account and automatic payments ( like I do for all recurring debt ). I made an attempt to set up automatic payment twice. To my knowledge all was set.
XX/XX/XXXX - While pursuing an investment a lender pulled my credit to verify qualification for loan. Upon credit review I was told I did not qualify due to poor credit. The loan originator informed me there was a past due mortgage from XXXX XXXX XXXX or 3 months.
XX/XX/XXXX - Upon finding out this issue I immediately called XXXX XXXX XXXX to pursue clarification of the issue. I was told that my automatic payment was denied due to an incorrect routing number from XXXX XXXX. I do not have a XXXX XXXX account, nor would I have any way of knowing a XXXX XXXX number. I use same information for all auto payments since I was XXXX years old ( now XXXX ).
XX/XX/XXXX - I made immediate payment of debt owed + late penalty.
The above are specific dates I have for begining of process. There have been so many calls and attempts at resolution since that I do not have specific record without combing my call records. Below is outline of what followed in my attempts to resolve : -I asked for an explanation of why I was never notified of my auto payment being denied.
-While on these early stage ( and multiple ) phone calls XXXX XXXX XXXX XXXX XXXX were down. I was disconnected multiple times and could not understand what was being said to me over the phone. This was incredibly frustrating given magnitude of issue.
-I spoke with a " manager '' named XXXX XXXX She told me I entered wrong routing number. I asked why was I not notified. I did not receive an answer until 1-2 days later.
-Wendy informed me per records I attempted set up twice ( I believe once online and once over phone late XXXX ).
-Wendy then told me a notice was sent in the mail on XX/XX/XXXX. As one may recall, this was the week of the presidential election where vasts amount of mail were lost due to USPS logistical issues.
-Wendy also informed me that I would have only received a telephone call to notify me of late payments from a computer automated system ... which on my phone shows up as SPAM RISK and also leaving no message.
-Wendy confirmed on recorded line she would not answer such calls either.
With no success of resolution through XXXX, I pursued higher level assistance. I was put in contact with the " Executive Office '', and two woman named XXXX and XXXX : XXXX informed me of the same information previously given that account was set up multiple times in XXXX, but it was denied and a general notice was sent in mail followed by SPAM RISK phone calls.
-I made every effort to show in good faith that I was by no means avoiding payment of the loan, to the contrary I ACTIVELY tried to establish payment. And, upon finding out payment was late the first call I made was to XXXX to pay all outstanding debt + an incurred penalty.
-XXXX told me there was nothing she could do and she was LEGALLY bound to report late payments to credit bureaus.
-My understanding is credit reporting is discretionary based on company policy, not legal grounds.
-I was then contacted by XXXX XXXX
XXXXUpon review of my Mortgage Note it clearly states that any NOTICE must be sent by XXXX XXXX via First Class Mail, not standard mail. XXXX verified the notice was in fact sent by standard mail not First Class.
-Because XXXX XXXX did not follow protocol of Note, they breached the contract and thereby have no grounds to report me for late payments.
-It is my firm belief if the Notice of Automatic Payment Denial was sent per contract guidelines of First Class Mail it would not have been lost by USPS and I would have received and taken immediate and appropriate action, as I did on XX/XX/XXXX.
-XXXX also confirmed the phone calls to " notify me '' were made by computer automated system that showed up as SPAM RISK ( she blamed it on my phone service carrier/apple iphone ). She also verified they left no messages.
With such little assistance, I reached out to the CEO of XXXX XXXX XXXX, XXXX XXXX. He has not replied to my inquiries or offered any assistance.
Through the process of trying to resolve this issue I feel as though XXXX XXXX XXXX treated me unfairly and acted in a very deceptive manner. Their deception led to late payment penalties which they financially benefited from.
In addition, the opportunity cost of me missing out on an investment opportunity has cost me well over {$100000.00} in my estimate. After working my adult life as a XXXX XXXX and never missing a payment for any of the 5 properties I own, I was able to build a credit score of over 800. Since XXXX XXXX unfairly reported me to credit bureau I now have a credit score of XXXX. This has eliminated all possibility of me securing a personal loan to purchase investment ( my livelihood ). I am not supporting a family with a toddler and newborn at home, an there is nothing I can proactively do to better position us for the future all because of deceptive practice by XXXX XXXX XXXX.
In the interim since this began, I spoke with a credit assistance professional. He completely agreed to my position and that XXXX XXXX did not make any diligent efforts to notify me.
In conclusion : Sending a letter during presidential election week with USPS on headline news for continued issues ( i.e. mail in ballot overloading system, potential bankruptcy ; etc ), and secondary to that only contacting me via computer automated system ( SPAM RISK ) with no messages left ... was by no means fair business practice. The punishment of my credit being destroyed does not fit the crime.
I have also sought out legal representation and am working to create a suit that will also pursue damages for opportunity lost due to actions of XXXX XXXX XXXX. This is only a road I truly want to go down if XXXX XXXX XXXX continues to not do what is fair and notify credit bureaus that late payment was due to lack of diligence on their part and breach of the Note agreement ( First Class Mail ).
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| 04/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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The Fair Credit Reporting Act provides me with the opportunity to contest any information on my credit report that I believe is not accurate. I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!
I am concerned about the validity and accuracy of your recent investigation of the accounts that are reporting on my credit report. About 30 days ago I requested an investigation because I felt the item ( s ) below were not being reported legally.
A couple of days ago I received a letter stating that your investigation was complete and the items listed above were Verified.
This letter is my formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
What certified documents were reviewed to conclude your investigation?
Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
What did it cost your company to obtain the documents needed to complete your investigation?
Please provide proof of your timely procurement of certified documents.
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
If yes to above : Who did you speak to?
On what date?
How long was the conversation?
What was their position?
What telephone number did you call?
What is the name of the employee of your company that spoke directly to the above party?
What is the position of the employee of your company that spoke directly to the above party?
How long has that employee been employed by your company?
What formal training was provided to this employee to investigate items of this kind?
Was there any e-mail or written communication between members of your company and the above party?
Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question.
Provide the date of the commencement of delinquency.
Provide the SPECIFIC date reporting that these items will cease.
Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial.
Here is a list of accounts that you claimed were verified Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Summary of Inquiries being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 01/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX I never had any business relationship with this company. Hence, there is no way this account belongs to me. Please delete this unknown account from my credit report right away.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX- This address belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX This name belongs to someone else. Delete it from my report immediately.
XXXX. The following personal information is incorrect Account Number : XXXX This name belongs to someone else. Delete it from my report immediately.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX XXXX XXXX of XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection BureauCC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission XXXX : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Telephone : ( XXXX ) XXXX Date of Birth : XX/XX/XXXX SS # : XXXX XX/XX/XXXX To Whom It May Concern, This letter shall serve as formal notice of my intent to file a complaint with the FTC XXXX due to your blatant and objectionable disregard of the law.
As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute letter dated, as well as my follow-up letter dated. To date you have not done your duty as mandated by law. Your non-compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable.
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ).
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., XXXX. XXXX ( C.D.CaI. XXXX XXXX, XXXX ), you may be liable for your willful noncompliance.
For the record, the following information is being erroneously included on my credit report, as I have advised you on XXXX separate occasions, more than 75 days and again 40 days ago : XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX/XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. Your improper pr XXXX Account Number : XXXX Please remove it from my credit report.
If you do not immediately remove this inaccurate and incomplete information, I will file a formal complaint with the Federal Trade Commission.
Should you continue to operate with complete disregard for the law, I intend to seek redress in civil action for recovery of damages, costs, and attorney fees. For this purpose I am carefully documenting these events, including the lack of response REQUIRED under law from you.
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber.
Under federal law, you had 30 days to complete your re-investigation, yet you have failed to respond. Further delays are inexcusable.
Be advised that the description of the procedure used to determine the accuracy and. completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation.
Sincerely, XXXX XXXX
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| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/ I submitted proof under 15 USC 1681c-2 regarding identity theft being furnishXXXXd on my credit report to Transunion, and the complaint was recieved as of XXXX at XXXX EST. The companies identified in my identity theft report were promptly notified of this request.
15 USC 1681c-2 reads as follows : ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
All of the above requested information was furnished to both Transunion and the identified parties involved in the reporting of this information.
15 USC 1681c-2 also states the following : ( c ) Authority to decline or rescind.
( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions.
In my letter, I rebutted every reason Transunion would have to decline my request to block the identified transactions and made clear that my request to block this reported information is not being made in error, is not being made on the basis of material misrepresentation of fact by the consumer relevant to the request to block, and Transunion has not reasonably determined by due process of investigation that I personally have obtained possession of any goods, services, or money as a result of the blocked transaction or transactions.
Federal Law states the following : ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title.
I have recieved notice directly from Transunion stating that my request to block this information was declined due to missing information. I spoke with a Supervisor identifying himself as XXXX representing Transunion on XXXX and was made aware of the decision, to which he promptly informed me he realized was made in error because I included every piece of documentation required in my request. I then informed him that as of XXXX Transunion has exceeded the required time frame of resolution outlined within federal law by 2 business days, and that the removal of the information I've identified as identity theft was required under federal law to be removed no later than XX/XX/. I verbally requested that he uphold the laws he is obligated to be governed by, and conduct himself in a manner that is both fair and equitable to me as the consumer.
I was told that he needed to further look into Transunions guidelines regarding this matter, and will give me a call back the following business day, on XXXX I let him know that not resolving this matter is impeding federal law and he can be held personally responsible for doing so. He said that he understood, and needed to reference the guidelines Transunion has before making a decsion.
I received his call on XX/XX/ at XXXX EST. He said that Transunion guidelines will not allow him to remove the identified transactions being reported. To which I asked what guidelines is he referencing. He mentioned that I did not provide an address in the report I submitted, which is not true because I included a copy of my driver 's license as required by federal law. He said that it wasn't because of the address, and I asked which guidelines Transunion has that are above federal law. He said none, but the accounts are currently in dispute with the identified companies. I let him know that is good because these transactions should be thoroughly investigated, however, federal law states that these items are required to be removed no later than 4 business days of the date my request was received, regardless of if there is an investigation being done or not. Whether the block is rescinded upon the completion of their investigation because they have reasonably determined by due process of investigation that the transactions are in fact accurate, is a different story, upon which I should be promptly notified of such information, and given the opportunity to rebut those findings. XXXX then said that their guidelines will not allow the identified transactions to be blocked. I again asked which guidelines he was referencing because they are not the guidelines that were sent to me as the reason to decline my request. He could not tell me.
So my question now is, if the federal government felt that it was absolutely necessary to outline consumer protection laws, but none of these companies that have assumed authority of furnishing a consumer report are held liable for impeding federal law - who is held responsible for the detrimental effects the consumer has to live with when it comes to being the victim of identity theft? Are federal laws beneath a companies guidelines? Are the not required and obligated to do what is fair and equitable to the consumer?
It is my understanding that Transunion, XXXX, and XXXX are NOT government appointed entities. At best, they are LLCs operating under the law of assumption. Once the assumption is revoked by the consumer, they are then subject to being held responsible under federal law. These reported transactions that I have identified as a result of identity theft are in violation to my right of privacy, protection, and is a defamation of character, as well as additional federal laws that protect me as a consumer.
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| 11/22/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. List the Account name and account number has violated my rights. 15 U.S.C 1681 section 602 A. States I have a right to Privacy. 15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without written instructions. 15 U.S.C 1681C ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Company responded on XXXX RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : A DISMISSED/DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 7 YEARS FROM THE DATE FILED. A DISCHARGED XXXX XXXX BANKRUPTCY REMAINS ON THE CREDIT FILE FOR 10 YEARS FROM THE DATE FILED. ADVERSE ACCOUNTS THAT HAVE NOT BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED SEVEN YEARS FROM THE DATE OF FIRST DELINQUENCY. PAID AS AGREED ACCOUNTS THAT HAVE BEEN PAID IN FULL WILL AUTOMATICALLY BE DELETED TEN YEARS FROM THE REPORTED DATE. Trade : XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ( Please DELETE ALL XXXX AND ANY OTHER EDUCATIONAL LOAN THAT YOU ARE REPORTING AS PAST DUE AND LATE PAYMENST- THIS IS INACCURATE INFORMATION THAT YOU ARE REPORTING PER THE FCRA YOU HAVE TO REMOVE ASAP ) THE FOLLOWING FIELDS HAVE BEEN MODIFIED : STATUS, TYPE OF ACCOUNT, CHARGE OFF AMOUNT, ACTUAL PAYMENT, SCHEDULED PAYMENT, CLOSED DATE, TERM DURATION, DATE OF LAST ACTIVITY/DATE OF FIRST DELINQUENCY, ADDITIONAL INFORMATION, ACCOUNT HISTORY Trade : XXXX XXXX XXXX XXXXXXXX VERIFIED THAT THIS ITEM BELONGS TO YOU ( How was it verified please send verification source and Authentic signature if you can not provide per the FCRA you have to remove ASAP. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ACCOUNT HISTORY Trade : XXXX XXXX XXXX PLEASE BE ADVISED THAT ACCOUNT INCLUDED IN BANKRUPTCY DOES NOT REPORT ANY LATE PAYMENTS. THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. ( THIS IS INACURATE INFORMATION- you have to remove late payment information you just stated that this account was included in bankruptcy that is derogatory information and according to the FCRA you have to remove ASAP ) THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE PRIOR PAYING HISTORY IS BEING REPORTED CORRECTLY. ( PLEASE REMOVE ANY LATE PAYMENTS ASSOSCIATED WITH XXXX XXXX These are transactions and transactions can not be reported to credit reporting agencies as well as its inaccurate and derogatory and affecting my credit worthiness. Public Record : Bankruptcy XXXX VERIFIED THAT THIS PUBLIC RECORD ITEM IS REPORTING CORRECTLY. ( Please provide the bankruptcy court that provided the information you cant because no court provided this- I spoke with PACER and they said that they do not report to credit reporting agencies- this is derogatory and inaccurate information that you are reporting- according to the FCRA you have to remove from my credit report ASAP ) THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ADDITIONAL INFORMATION Public Record : Bankruptcy THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. ( Back in the previous statement you said it has been deleted but the next statement you said its reporting correctly- this information is conflicting and should be removed ASAP its causing my credit worthiness to be questioned please remove ) XXXX XXXX XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : HIGH CREDIT, ACTUAL PAYMENT, SCHEDULED PAYMENT, DATE OF LAST PAYMENT, CLOSED DATE, ACCOUNT HISTORY ( PLEASE PROVIDE SOURCE VERIFIED WITH AND ANY SIGNATURES PROVIDED- FROM THE ORIGINAL SOURCE IF YOU CAN NOT PLEASE REMOVE FROM MY CREDIT REPORT ASAP. ) the below information they stated is not showing on my credit report, but I have requested for inquires associated with the below be removed and they are still showing attached to said accounts- I am requesting that all inquiries associated with any closed or account being reported as fraudulent and associated with information you said was not showing on my credit file be removed asap. ) NON REPORTING DISPUTES Trade : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Trade : US DEPT OF ED/XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. ID : Current Address THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Public Record : Bankruptcy THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Trade : XXXX XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Trade : US DEPT OF EDXXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Trade : XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE. Public Record : Bankruptcy THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE XXXX CREDIT FILE.
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| 07/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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These inquires listed below should not be on my credit report. These were not authorized and I have attached emails from car dealerships requesting them not to share my credit with certain banks. Inquiry details XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Capital XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Wells XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Friendly XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Gm XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX is in violation of multiple laws set forth by Congress. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, Transunion, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXXXXXX XXXX can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported.
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX for the cancelled debt of { {$10000.00} } in order to file as ordinary income. Where is my 1099-C XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$600.00} }. This is unsatisfactory! XXXXXXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and Transunion is not an affiliate of XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802.
I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
XXXXXXXX XXXX XXXX must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account. XXXX Treatment of credit balances ; account termination. ( a ) Credit balances. When a credit balance in excess of { {$1.00} } is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number. ( b ) Account termination. ( 1 ) A creditor shall not terminate an account prior to its expiration date solely because the consumer does not incur a finance charge. ( 2 ) Nothing in paragraph ( b ) ( 1 ) of this section prohibits a creditor from terminating an account that is inactive for three or more consecutive months. An account is inactive for purposes of this paragraph if no credit has been extended ( such as by purchase, cash advance or balance transfer ) and if the account has no outstanding balance. ( c ) Timely settlement of estate debts ( 1 ) General rule. ( i ) Reasonable policies and procedures required. For credit card accounts under an open-end ( not home-secured ) consumer credit plan, card issuers must adopt reasonable written policies and procedures designed to ensure that an administrator of an estate of a deceased accountholder can determine the amount of and pay any balance on the account in a timely manner. ( ii ) Application to joint accounts. Paragraph ( c ) of this section does not apply to the account of a deceased consumer if a joint accountholder remains on the account. ( 2 ) Timely statement of balance ( i ) Requirement. Upon request by the administrator of an estate, a card issuer must provide the administrator with the amount of the balance on a deceased consumer 's account in a timely manner. ( ii ) Safe harbor. For purposes of paragraph ( c ) ( 2 ) ( i ) of this section, providing the amount of the balance on the account within 30 days of receiving the request is deemed to be timely. ( 3 ) Limitations after receipt of request from administrator ( i ) Limitation on fees and increases in annual percentage rates. After receiving a request from the administrator of an estate for the amount of the balance on a deceased consumer 's account, a card issuer must not impose any fees on the account ( such as a late fee, annual fee, or over-the-limit fee ) or increase any annual percentage rate, except as provided by 1026.55 ( b ) ( 2 ). ( ii ) Limitation on trailing or residual interest. A card issuer must waive or rebate any additional finance charge due to a periodic interest rate if payment in full of the balance disclosed pursuant to paragraph ( c ) ( 2 ) of this section is received within 30 days after disclosure.
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| 11/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX XXXX XXXX ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction. There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Agency and its members as Data Furnishers : To my knowledge as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the National Credit Reporting Agency or the Data Furnisher, both being Trustees over the estate : Listed in attachment. Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the Data Furnishers of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report. There is also a misrepresentation by the Trustees regarding the bankruptcy listed on the consumer report as being reported from the courthouse ; however, the fact of the matter is the information is being actually reported by XXXX XXXX XXXX and XXXX, additional trustees. Furthermore, it is a XXXX of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation. The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer Beneficiary. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax, Transunion, and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Experian, Transunion, Innovis, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice. Title 15 U.S. Code 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee. Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; /s/ XXXX - XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
This Account is in Violation Of 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy this Bankruptcy shouldn't be on my credit/consumer report XXXX XXXXXXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX XXXX XXXX FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT FIRST XXXX XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
XXXX there is some inaccurate information reporting.
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX C Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
XXXX. The inquiry was not authorized XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
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| 06/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.
Please investigate if every piece of information is correct. If not, please remove it from my credit report.
there is some inaccurate information reporting.
XXXX Account Number : XXXX Please remove it from my credit report.
15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
5. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
9. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
10. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
11. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
12. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
13. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
14. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
15. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
16. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
17. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
18. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
22. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
23. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
25. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
27. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
28. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
31. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
34. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
35. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
36. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
37. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
38. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
39. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
40. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
41. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
42. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
43. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
44. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
45. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
46. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
47. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
48. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
49. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
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| 12/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion, XXXX, XXXX XX/XX/XXXX EMERGENCY!
- Cease and Desist reporting of the account name filings to all consumer reporting agencies.
- Remove reporting of the account name filings from all consumer reporting agencies.
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in.
Violation of the FCRA This is the final step I am taking BEFORE TAKING THIS INACCURATE, FRAUDULENT ACTIVITY IN FRONT OF A JUDGE. Under the FCRA, ONLY CORRECT INFORMATION WILL BE ADDED TO A CONSUMERS CREDIT REPORT, and the information on my credit report FROM XXXX XXXX XXXX XXXX ISNT ACCURATE! I've spoken to my lawyer, and he told me that I COULD EASILY take THIS to court AND FINE XXXX XXXX XXXX XXXX {$1000.00} PER VIOLATION ( and there are a lot of violations ). I DEMAND YOU, XXXX XXXX XXXX XXXX, REMOVE ALL OF THESE FRAUDULENT, INACCURATE ACCOUNTS FROM MY CREDIT REPORT WITHIN 24 HOURS OF RECEIVING THIS LETTER. YES, I WANT THE ENTIRE ACCOUNT FULLY WHIPPED OFF MY CREDIT REPORT WITH NO FRAUD OR DISPUTE COMMENTS OR REMARKS LEFT ON MY CREDIT REPORT The Accounts Below Are 1000 % FCRA Violations and NEEDS TO BE FULLY REMOVED FROM MY TRANSUNION AND XXXX CREDIT REPORT, OR there WILL BE SOME XXXX LEGAL ACTION BEING TAKEN!!!! THESE ACCOUNTS ARE INACCURATE, AND ACCORDING TO THE FCRA, THAT IS XXXX FRAUDDDDDD!!!! SO, REMOVE THE ACCOUNTS LISTED BELOW NOW!!!!!
Incorrect Personal Information This personal information is incorrect : Name : XXXX XXXX XXXX - XXXX This personal information is incorrect : Former : XXXX XXXX - XXXX, XXXX This personal information is incorrect : Also Known As : XXXX XXXX - XXXX, XXXX This personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX FL XXXX- XXXX This personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX - XXXX This personal information is incorrect : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX - TransUnion This personal information is incorrect : Employers : XXXX XXXX XXXX - TransUnion Unauthorized Inquiries XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX, XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX, XXXX XXXXXXXX XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX XXXX OF XXXX - ( Date : XX/XX/XXXX ) - XXXXXXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX, XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXXXXXX XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXXXXXX XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX, XXXX XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX XXXXXXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX XXXXXXXX XXXX XXXXXXXX - ( Date : XX/XX/XXXX ) - XXXX XXXXXXXX XXXX XXXXXXXX - ( Date : XX/XX/XXXX ) - XXXXXXXX XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) - XXXX XXXX XXXXXXXX XXXX - ( Date : XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) - XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - TransUnion XXXX XXXX XXXX ( Date XXXX XX/XX/XXXX ) - XXXX XXXX - ( XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX NA XXXX ( Date : XX/XX/XXXX ) - XXXX XXXXXXXX XXXX - ( Date : XX/XX/XXXX ) - TransUnion XXXX XXXX - ( Date : XX/XX/XXXX ) - TransUnion XXXX - ( Date : XX/XX/XXXX ) - TransUnion XXXX XXXX - ( Date : XX/XX/XXXX ) - TransUnion XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) - XXXX XXXX XXXX XXXX - ( Date : XX/XX/XXXX XXXX - XXXX XXXX - ( Date : XX/XX/XXXX ) - TransUnion XXXX XXXX - ( Date : XX/XX/XXXX ) - TransUnion XXXX XXXX XXXX - ( Date : XX/XX/XXXX ) - TransUnion Identity Theft Accounts XXXX - XXXX XXXX - ACCT # : XXXX - XXXX, XXXX, TransUnion XXXX XXXX XXXX - ACCT # XXXX XXXX XXXX XXXX, XXXX, TransUnion XXXXXXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX - XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ACCT # : XXXX - XXXX, TransUnion XXXX XXXX - ACCT # : XXXX - XXXX XXXX XXXX XXXX TransUnion XXXX XXXX - ACCT # : XXXX - XXXX, XXXX XXXX TransUnion XXXX XXXX XXXX - ACCT # : XXXX - XXXX, XXXX XXXX TransUnion TO MAKE THE DELETION PROCESS EASIER FOR YOU , I'VE ATTACHED THE INACCURATE ACCOUNT THAT NEEDS TO BE TAKEN OFF MY CREDIT REPORT ASAP!!! BEFORE YOUR XXXX GET SUED, IM NOT PLAYING NO GAMES AT ALL!!! GET THIS XXXX OFF MY CREDIT. WHAT YOUR CORPORATION IS DOING VIOLATES THE CONSUMER FAIR CREDIT REPORTING ACT AND IS FRAUD!!!
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed.
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.
Listen up, credit bureau. I'm making it crystal clear that I demand accuracy and completeness in my credit report in accordance with FCRA, Section 611. So, I'm requesting that you provide me with the information I need to review my report and make sure that it's appropriate.
If you're too XXXX lazy to send me the information, then reopen my dispute and make sure that a proper investigation is performed. I won't stand for any XXXX from you guys.
I expect a timely response outlining the steps that will be taken to resolve this matter. If I don't receive a response, then you can bet your XXXX that I'll exercise my right under FCRA, Section 616, and pursue legal action. So, step up and do the right thing or face the consequences.
Sincerely, XXXX XXXX WHEN DONE WITH YOUR INVESTIGATION, I WILL NEED A FULL UPDATE SENT BACK TO ME FROM XXXX TRANSUNION AND XXXX!!!
THE INACCURATE ACCOUNTS LISTED ARE VIOLATIONS OF THE FCRA, AND IF NOT REMOVED WITHIN 24 HOURS OF RECEIVING THIS NOTICE, MY LAWYER AND I WILL FILE LEGAL ACTION AGAINST YOU!!!
MOVE THIS INACCURATE FRAUDULENT XXXX FROM MY CREDIT REPORT NOW, OR GET YOUR XXXX SUED FOR {$1000.00} PER VIOLATION. I TRIED TO BE NICE, BUT NOT ANYMORE I HAVE ALREADY MADE A CFPB COMPLAINT ABOUT YOUR BUSINESS, AND I WONT STOP UNTIL THIS INACCURATE INFORMATION IS 100 % REMOVED FROM THE REPORT
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| 04/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hello, I am writing to dispute the inaccurate and misleading information on my credit report regarding the account with XXXX ( Original Creditor : MEDICAL ) with account number XXXX.
According to my credit report, the account type is showing as open when it is actually a collection account. Additionally, the creditor failed to notify me of the sale or transfer of the debt to a collection agency within 30 days, which is a violation of Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ). Furthermore, the collection agency did not provide me with a written notice within five days of their initial contact, which is a violation of Section 809 ( a ) of the Fair Debt Collection Practices Act ( FDCPA ).
This inaccurate information has had a significant impact on my life. It has made it difficult for me to secure loans, obtain housing, and even gain employment. This situation has caused me a great deal of stress and anxiety, as I have been struggling to make ends meet due to the negative impact on my credit score.
Firstly, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account number XXXX is inaccurately reported by both XXXX and XXXX. While XXXX shows a balance of {$250.00}, XXXX did not report any balance. Additionally, XXXX shows the number of months ( terms ) as one month, while XXXX does not report anything. XXXX also shows the payment status as debt included in or XXXX through Bankruptcy XXXX XXXX, XXXX, or XXXX, while XXXX shows it as unpaid. Furthermore, XXXX reports the last reported date as XX/XX/XXXX, while XXXX did not report anything. Lastly, XXXX reports the date last active as XX/XX/XXXX, while XXXX reports XX/XX/XXXX.
These inaccuracies violate FCRA Section 623 ( a ) ( 2 ), which requires the creditor to notify the consumer of the sale or transfer of the debt to a collection agency within 30 days. Additionally, FCRA Section 623 ( a ) ( 5 ) requires the creditor to report the correct balance on the credit report, which was not done in this case. FCRA Section 623 ( a ) ( 7 ) also prohibits the inaccurate reporting of the account status, which is evident in the conflicting information between XXXX and XXXX.
Moreover, the false representation of the debt by XXXX XXXX XXXX also violates FDCPA Section 807 ( 2 ) ( A ).
XXXX XXXX XXXX I have reviewed my credit report from TransUnion and noticed some inaccurate information that has affected my credit score negatively. I am requesting that the creditor correct the errors in accordance with the FCRA.
First, according to TransUnion, I was reported as 120 days late on XX/XX/XXXX, but I did not miss any payments on this account. I have never received any notifications from them regarding this 120 days past due account, and they have not provided any paperwork to support their claim. This inaccurate reporting has had a significant impact on my credit score and has caused me a great deal of stress and anxiety.
In addition, TransUnion is reporting the payment status as 120 days past due, which is not accurate. According to my records, I have made all payments on time and in full. This inaccurate reporting has also had a negative impact on my credit score.
Furthermore, XXXX XXXX has failed to notify me of the delinquency on my account within 30 days of it being reported to the credit bureaus, as required by Section 623 ( a ) ( 2 ) of the FCRA. This failure to notify me has caused confusion and made it difficult for me to take the necessary steps to address any potential issues.
XXXX XXXX XXXX I have reviewed my credit report and found several errors that have negatively impacted my credit score and my ability to secure loans and credit cards.
Firstly, according to TransUnion, I was reported as 120 days late on XX/XX/XXXX, but I did not miss any payments on my XXXX XXXX account. Additionally, TransUnion is showing the account as 120 days past due, which is not accurate, as I have never received any notification or paperwork from XXXX XXXX regarding this account status. These violations are in violation of Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 5 ), and Section 623 ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ).
Furthermore, XXXX XXXX and TransUnion have failed to send me a written validation notice within five days of their initial communication, as required by Section 807 ( 8 ) of the Fair Debt Collection Practices Act ( FDCPA ). This is a violation of my rights as a consumer and has caused me undue stress and anxiety.
XXXX XXXX XXXX According to TransUnion, I was 120 days late on XX/XX/XXXX, but I have never missed a payment on this account. Additionally, TransUnion is reporting the payment status as 120 days past due, despite never receiving any notification or paperwork from XXXX XXXX regarding this delinquency.
I believe that XXXX XXXX has violated several sections of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, the following violations have occurred : FCRA Violations : Section 623 ( a ) ( 2 ) - XXXX XXXX failed to notify me of the delinquency on my account within 30 days of it being reported to the credit bureaus.
Section 623 ( a ) ( 5 ) - TransUnion inaccurately reported my payment history by showing a 120-day late payment that I did not actually make.
Section 623 ( a ) ( 7 ) - TransUnion inaccurately reported my account status by showing the account as 120 days past due, which is not accurate.
FDCPA Violations : Section 807 ( 8 ) - XXXX XXXX failed to send me a written validation notice within five days of the initial communication with me.
These inaccuracies and violations have had a significant impact on my life. As a result of the false information on my credit report, I have been denied credit, housing, and employment opportunities. This has caused me immense financial and emotional distress, as I am unable to achieve my goals and provide for myself and my family.
I am requesting that the CFPB enforce the legal provisions outlined in the FCRA and FDCPA to ensure that XXXX XXXX removes these unverified accounts from my credit report. I also request that XXXX XXXX provide me with any and all documentation related to this account, including proof of any missed payments or delinquencies.
Thank you for your attention to this matter.
Sincerely, XXXX XXXX
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| 03/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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In XXXX of XXXX I started a new job. At my previous employer I was able to setup my direct deposit to go into two accounts, one of those accounts being the XXXX account connected with the autopay for my mortgage. At my new job I am unable to split my paycheck and instead must make a manual transfer into the XXXX account. This XXXX account was a new account that my husband and I opened together when we got married in XXXX to pay our joint bills.
Unfortunately in XXXX the transfer was made after the autopay was taken out. The autopay was then sent back from XXXX to XXXX, which resulted in the autopay being shut off. I received a notification from XXXX and the account was updated from that end, but I was unaware that the autopay was shutoff from the XXXX end because I received no alert or notification from them.
It wasn't until XX/XX/XXXX that I received an email from XXXX that had a subject that wasn't the same subject as all of their standard monthly statement emails. All emails received have the subject of " XXXX XXXX XXXX - E-Statement Notification '' Which is the same subject for every monthly email I receive from XXXX. Therefore, how am I supposed to know that there is anything in that notification other than the regular course of business?
When I saw this email with the subject " '' XXXX XXXX XXXX - Account Notice '' in XXXX and investigated the situation and learned that my autopay was shutoff and my mortgage hadn't been paid since XXXX I immediately made all payments due, including late fees.
This payment was made on XX/XX/XXXX. However, it wasn't until XX/XX/XXXX that XXXX updated my account to " current '' and " pays as agrees '' because they incorrectly enrolled me in hardship assistance and loss mitigation AFTER i specifically declined to be enrolled. I had no idea I was even enrolled in this program until I was trying to contact customer service to understand why the status of my account was still not updated, and they told me i had to speak with the loss mitigation department. The representative told me she had no idea why I was even enrolled and she updated my account immediately. Previously, I had been emailing with the credit research department for over a month and no one ever told me that i was enrolled in that program and that was the reason my account status was not updated.
It was also on this call that the representative discovered that a XXXX phone number was listed as a contact number on my account. I have a XXXX number, I have never had a XXXX number, nor do I know anyone with a XXXX number. I have no idea how this number would have been added to my account. XXXX claims to called me on several days from XXXX through XXXX to notify me that my account was deliquent. I have sent them screen shots of my call records for each of those days.
1. As you can see, none of those numbers identify as XXXX, therefore leaving it up to me to determine who the caller might me 2. On those days you can also see the volume of calls that I receive from unknown numbers, and how I can't possibly answer all of them.
XXXX. There are no voicemails that were left from XXXX. Voicemails are the only way for me to decifer if the number calling me is for a legitimate purpose or it was spam. If XXXX is contacting me about something as important as missing a payment, why would a voicemail not be left? If a voicemail was left I would have returned the call immediately and made the payment asap, as I did on XX/XX/XXXX when I finally learned there was an issue.
Clearly, XXXX never called me because they had the wrong contact number in my account. An error that I am not responsible for.
Other issues with their methods of " alerting '' me : I provided documentation that I have been enrolled in paperless statements since XX/XX/XXXX. The purpose of enrolling in paperless statements is to not have to worry about being home to receive notifications sent via snailmail. I am a remote employee, I travel more often and stay in other places for long periods of time because I can work from anywhere, it is unrealistic for XXXX to rely on USPS to send critical notifications about the status of customers accounts to my physical addresses, when I have purposefully enrolled in electronic communication for notifications.
If XXXX can not have reliable notifications then how can it hold its customers accountable for being up-to-date on changes to their account, such as their autopay being shutoff.
I've generally felt their credit research department is incompetent. Every time i email them with my documentation and reasoning their responses have nothing to do with what I am presenting. They kept telling my why I was being charged late fees, and I never once asked to have my late fees waived.
I have asked XXXX to remove the late payments on my account for XXXX and XXXX. Because again, they shutoff my autopay, I did not. What they are reporting is not an accurate reflection of my ability or willingness to pay my mortgage. I have even shown them the cash balances in my other bank accounts to prove that I had the ability to pay during the months in question.
This is an incredibly frustrating process and has impacted my ability for my husband and I get a new mortgage and continue our life together and grow our family. What is currently being reported makes other bankers think that I'm not a reliable borrower, and that is not the reality at all.
I hope that by sharing all of this information and documentation that XXXX can update its processes and procedures so that this does not have to happen to another customer. It was an unfortunate mistake that has consequences that are not reflective of the actual situation.
I have also explained this situation to all 3 of the credit bureaus and asked them to do an investigation. The credit bureaus have concluded that there was inaccuracies in my account, and did make some changes, but claims they can't update the late payments because they do not have the ability to make changes to the report, they only can use the information provided to them. However, XXXX claims " Please note, credit reporting agencies can choose to correct at their own discretion or upon your request if they determine that it is appropriate. '' So this is also a circle issue and one of these agencies it not doing their job correctly.
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| 01/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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To whom it may concern, Me XXXX XXXX XXXX, the Consumer is protected by the rights under The Consumer Protection Act of 1968. Transunion XXXX XXXX is Violating the law. I have requested numerous times for certain accounts and items to be removed from my consumer report. I have had no contract with your company.
TransUnion has VIOLATED the Fair Credit Reporting Act. Transunion XXXX XXXX VIOLATED Title 15 U.S. Code 1681b ( a ) ( 2 ). I never gave written instructions, or power of attorney to create a consumer report on me XXXX XXXX XXXX. This Is A VIOLATION of My Consumer Rights.
Every Account was derived and create with my federal credit card Pursuant to Title 15 U.S. Code 1602 ( L ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Meaning my social security card! Every account or alleged account was open with my credit card SOCIAL SECURITY CARD Pursuant to Title 15 U.S. Code 1681n Transunion XXXX XXXX is Civil liability for willful noncompliance with my consumer report. Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ; any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.
Pursuant to Title 15 U.S. Code 1681o Transunion XXXX XXXX Is Civil liability for negligent noncompliance with my consumer report. Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure ; and In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
I have credit card accounts that should have never been on my consumer report. Its a VIOLATION of my Consumer rights pursuant to Title 15 U.S. Code 1681a ( 2 ) ( b ) Except as provided in paragraph ( XXXX ), the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; I want Transunion XXXX XXXX TO PAY FOR THE DAMAGES AND VIOLATIONS AGAINST ME THE CONSUMER. Every inquiry I dont have an open account with is in violation. Inquirys without a valid permissible purpose is a violation.
Title 15 U.S. Code 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
I Never gave consent to any credit agency or corporation to report or/and furnish and have any of my personal private information which is identity theft pursuant to 12 Cfr 1022.3 ( h ).
The following accounts and/or items that are violation of FCRA & need to be remove immediately : XXXX XXXX XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o Transunion Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n Transunion is Civil liability for willful noncompliance with my consumer report.
XXXX XXXX XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o Transunion Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n Transunion is Civil liability for willful noncompliance with my consumer report.
XXXX XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o Transunion Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n Transunion is Civil liability for willful noncompliance with my consumer report.
XXXX XXXX XXXX USA XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o Transunion Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n Transunion is Civil liability for willful noncompliance with my consumer report.
XXXX 'S XXXX Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o Transunion Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n Transunion is Civil liability for willful noncompliance with my consumer report.
XXXX, XXXX.
Account # XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o Transunion Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n Transunion is Civil liability for willful noncompliance with my consumer report.
XXXX XXXX XXXX XXXX {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681o Transunion Is Civil liability for negligent noncompliance with my consumer report {$1000.00} Violation Pursuant to Title 15 U.S. Code 1681n Transunion is Civil liability for willful noncompliance with my consumer report.
Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX Ssn : XXXX For your violations, I am assessing a penalty/fine of {$14000.00} to be settled immediately upon receiving this communication, you have 3 days of receipt of these VIOLATIONS & Demands to settle this matter. If you do not comply and respond in a timely manner You have agreed and stipulated to this consumer consent order for your participation in interstate commerce, agreeing and stipulating to my terms and for whatever monetary compensation I may arise to. In addition, if you do not comply fully you will be obstructing justice and held in contempt to be tried as a criminal. If you fail to respond or settle I will pursue a default judgement against you pursuant to Rule 55a of Federal rules of civil procedures.
XXXX XXXX, Consumer
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I XXXX : XXXX , a living person, human being flesh in blood has not consented to XXXX, XXXX and Transunion in written, my consumer report needs to be kept confident and private. My rights have been violated.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXXXXXX XXXXXXXX XXXX Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXXXXXX XXXX Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX . Protection of nonpublic personal information 15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out 6801. Protection of nonpublic personal information 6803. Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution 's policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
6803. Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution 's policies and practices with respect to 6821. Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses 6805. Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows
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| 11/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I would like to solicit your help as a governing body over the Credit Reporting Agencies regarding a few matters that I have been attempting to solve with Transunion, which has gone without resolution for way too long now. I have written to Transunion on multiple occasions via certified mail, which have went unanswered, informing them of the information that I do not recognize, as well as information that I noticed to be inaccurate, incomplete, and inconsistent, according to my tri-bureau credit report. All of the items below are reporting differently by each of the Credit Reporting Agencies, Transunion, XXXX, and XXXX, -which is of high concern for me. Per your involvement, I ask that you please ensure that Transunion, as well as the Companies furnishing the disputed information, uphold the law, and delete the following items from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ How are you reporting 120 days late XXXX months in a row!?? ] ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Transunion Consumer Services, and the Companies/Furnishers , above have violated one or more of the following U.S. Codes : 15 U.S. Code 1681i ; 15 U.S. Code 1681c2 ( a ) ; 15 U.S. Code 1681s2 ; 15 ; 15 U.S. Code 1681a ( 2 ) ( i ) ; 15 U.S. Code 6801 ; 15 U.S. Code 6802, etc. I value your time and will try to keep the explanations short. Per 15 U.S. Code 1681i, Transunion did not follow the rules and procedures upon disputed accuracy by a consumer ; on multiple occasions ; that alone is grounds for deletion! Yet, they are still reporting this information! ; 15 U.S. Code 1681c2 ( a ) ( I informed Transunion that there is information reporting that I do not recognize, which I believe identity theft, but was not blocked within four days of receipt of dispute ) ; 15 U.S. Code 1681s2 ( Transunion & the Furnishers within this dispute are to NOT furnish disputed information that is believed to be inaccurate by the consumer. I first notified Transunion of this four months ago, and these companies continued reporting the entire time ; 15 U.S. Code 1681a ( 2 ) ( i ) states that any " transactions or experiences '' between the consumer and furnisher are to be " excluded '' from credit reporting. This means that you are not to report any information relating to an alleged transaction, such as payment history, balances, past dues, etc, nor an alleged experience I may have had with your company such as open dates, close dates, statuses, date last active, etc, without my explicit consent. It actually also states reporting this information is " prohibited ''. Nothing is to to be reported, therefore, I ask that you cease furnishing this information immediately ; Per 15 U.S. Code 6801, my personal nonpublic information was not protected ; my right to confidentiality was violated. Congress states that each nancial institution has an afrmative and continuing obligation to respect the privacy of its customers and to protect the security and condentiality of those customers nonpublic personal information, as well as to insure the security and condentiality of customer records and information ; Pertaining to 15 U.S. Code 6802, my personal nonpublic information was shared without my explicit consent : ie : my social security number. Congress states that a nancial institution may not, directly or through any afliate, disclose to a nonafliated third party ( Transunion, XXXX, XXXX, etc ) ANY nonpublic personal information ( meaning my social because it is not public ), unless such nancial institution provides or has provided to the consumer a clear and conspicuous disclosure notice. Meanwhile, I have never received a clear and conspicuous disclosure notice from any of these companies providing me with the " choice '' to provide personal information, or opt out of credit reporting. If you have this physical document on file, baring my unique signature, please mail me a copy of it. 15 U.S. Code 1681 states that Congress has determined that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efciency of the banking system, and unfair credit reporting methods undermine the public condence which is essential to the continued functioning of the banking system. Congress also states that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Please stop impeding the banking system. I have a right to fairness, accuracy, privacy, and confidentially, which all XXXX are being violated by XXXX or more parties included in this complaint. Due to the trust issues that I have come to gain witnessing companies unknown to me furnish so much incomplete, inconsistent, and inaccurate data on my credit report, on top of Transunion going months ignoring my dispute requests, I am demanding that ANY company/furnisher whom continues reporting ANY information to Transunion, to please supply me with compelling documentation. If the information is not deleted, I will need for each respective company of the data to provide me with any physical documents that they may have on file baring my unique signature, such as any original contracts reflecting that I engaged in commerce with you, any disclosure forms baring my unique signature ( Disclosures must be clear and conspicuous per federal law ; also keep in mind that no consent is identity theft by law ) ; Also, please also provide me with the full accounting ledger of that account, so that I may review exactly how these balances were totaled from start to finish. I will examine all of these documents and cross reference that information to see if there are any correlation or matches my bank account or records. I do not consent to, and will not acknowledge any " statements '' mailed to me reflecting a balance owed, as it is not sufficient. Lastly, if any of the information that I am disputing is " updated '', after this complaint, meaning changed, or altered, in any fashion, then that just further proves my point that the information was never correct to begin with, and needs to be deleted!
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| 10/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information?
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof.
I was a victim of Identity Theft and I already asked you to block these items in my previous letter.
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
The following items need to be removed and blocked as they are fraudulent.
1. 15 U.S. Code 1681e - Compliance procedures XXXX XXXX Bankruptcy Case Number : XXXX Please remove it from my credit report.
2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX Account Number : XXXX Delete this account.
3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 4. The following personal information is incorrect Account Number : XXXX XXXX XXXX 5. The following personal information is incorrect Account Number : XXXX : XX/XX/XXXX 6. The following personal information is incorrect Account Number : XXXX : XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
8. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
9. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
10. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove from my credit report.
11. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 12. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
13. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
14. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
15. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX. The following personal information is incorrect Account Number : XXXX : XXXX XXXX. The following personal information is incorrect Account Number : XXXX XXXX XXXX XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
19. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
20. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
21. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
22. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
23. The inquiry was not authorized CPS Date of inquiry : XX/XX/XXXX Delete this account.
24. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
25. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
26. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
27. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
28. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
29. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
30. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
31. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account.
32. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
33. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
34. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
35. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
36. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
37. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS CPS Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
38. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account.
39. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
40. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
41. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
42. The following personal information is incorrect Account Number : XXXX : XX/XX/XXXX 43. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Delete this account.
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| 11/27/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have already did a private dispute with XXXX XXXX and TransUnion! I woke up late XXXX in the morning to a notification from. My credit monitoring company I use and pay for and I immediately called the company and called my credit bureaus!
Not only is this debt inaccurate and false and fraudulent on every level from the credit bureaus investigations to the collection company itself and then the original company which I can not get ahold of, its not ok or accurate, I have been in school enrolled off and on in my college and receive financial aid and all of my student loans are up to date! This is inaccurate and illegal, I was never notified in wring by phone call or anything and I have had the same number and Address for over ten years!
The first mistake is just putting something on to my personal credit file which is a violation without attempting to find me or notify me or talk to me or write me and then just attaching it or me knowing you have my information an can reach out to me! The company should had no problem doing that for a legal situation and proper attempt but they illegally and unprofessionally added this to my consumer file without my knowledge or knowing or even anything! I also have reached out to every party involved and am getting nowhere and of course once I did that instead of furnishing, XXXX with proper information so I can further see where this is coming from now they are calling am harassing me and attempting XXXX illegal false debt that has already been sold to them illegally and now are trying to collect from me illegally and I am being negatively viewed by my creditors and business partners for a negative item on my report that has UNIDENTIFIABLE AND MISLEADING AND INNACURATE INFORMATION XXXX DIFFERENT ON EACH REPORT which is another violation!
XXXX XXXX XXXX XXXX XXXX Original creditor - XXXX XXXX XXXX XXXX XXXX Account type - collection Date opened- XX/XX/2023 XXXXStatus-collection account {$2100.00} past due as of XX/XX/2023.
Status updated- XX/XX/2023 Balance- {$2100.00} Balance Updated -XXXX XXXX, 2023 Paid off-0 % Past due amount {$2100.00} Original amount XXXX Terms - 1 month Responsibility - individual Contact info XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX This is the fraud and the negative collection account and the way it is listed for XXXX which is completely inaccurate and incorrect number one because it is not my debt number two because if it was open in XXXX, why was I not contacted and number three if it was updated in XXXX, why was I not contacted how is it a collection account here on XXXX But a unpaid account on XXXX and a open account on TransUnion? Which I will put in detail below?? That right there is also a violation then it says past due amount is the same amount as the original amount which makes no sense. All of this is completely inaccurate the whole way across the board, including the collection, a company and the original creditor, which has furnished me with no information, no signatures no nothing.!
TRANSUNION XXXX XXXX XXXX ( name is different than XXXX and XXXX ) XXXX Original creditor - XXXX XXXX XXXX XXXX XXXX Account type - OPEN ACCOUNT ( different than other creditors ) how is it opened and a collection???
Date opened- XX/XX/2023 XXXXStatus- ( its blank but says other things on other creditors ) Status updated- XX/XX/2023 ( says XXXX on XXXX ) Balance- {$2100.00} Balance Updated XXXX XXXX, 2023 Paid off-0 % Past due amount SAYS NOTHING!!!!
Original amount XXXX Terms Responsibility - Contact info XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Once again information is differ and inaccurate and false and wrong on all three bureaus XXXX XXXX XXXX XXXX ( different name in all 3 ) XXXX Original creditor - XXXX XXXX XXXX XXXX XXXX Account type - collection Date opened- XX/XX/2023 XXXXStatus-UNPAID ( completely different on all bureaus ).
Status updated- XX/XX/2023 Balance- {$2100.00} Balance Updated XXXX XXXX, 2023 Paid off-0 % Past due amount {$2100.00} Original amount XXXX Terms - Responsibility - individual Contact info XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX Once again , all of the information is it accurate and incorrect and I would like a complete and thorough investigation. I have reached out to each and every credit bureau and I am now forwarding these documents as well as a notarized letter to them and I also am filing a report with the FTC federal trade commission and I will continue to file reports with you through XXXX, XXXX and Trans Union and this collection company and the original creditor until this is completely gone and off of my report and record. It is wrong it is in accurate and it is not my debt.
Not only is this violation of me and XXXX, fair credit reporting code and rules of ethics, but it is violating code 15 US 1681 B2, code 15 US code 1681 C2, 15 US code 1681EB and code 15 US code 1681 a2 Im sure I do not have to break those down, but I can if I need to, and as a person that monitors their credit report and takes it into extreme measures and caution and has had issues in the past with these companies, and there are inaccuracies and fraudulent reporting and violation of our rights But I also completely am aware of everything going on, and I am more than willing to accommodate any debt or anything that is mine, or is proving to be mine however, the companies are not corresponding in a timely manner and not furnishing me with the proper information and I am immediately executing my rights under Those acts I have provided and requesting that this immediately be removed this collection account from first financial resources immediately be removed from all three credit bureaus XXXX, XXXX and Trans Union and I will continue to push and provide verification and do fourth I was enrolled in community college at the time and I have always been a member and I am currently about to get my XXXX XXXX and I am in correlation with all of my financial aid man have never been in correlation with this company or this collection company or these finances listed inaccurately on my consumer report thank you very much. I have also done exactly what she requested and not provided my name or any personal information, and XXXX report itself which I am printing and furnishing to each of the credit bureaus and to the creditor and to the collection company thank you.
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I XXXX : XXXX , a living person, human being flesh in blood has not consented to XXXX, XXXX and Transunion in written, my consumer report needs to be kept confident and private. My rights have been violated.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXX XXXX XXXX Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXXXXXX XXXX Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXXXXXX Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX . Protection of nonpublic personal information 15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out 6801. Protection of nonpublic personal information 6803. Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution 's policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
6803. Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution 's policies and practices with respect to 6821. Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses 6805. Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows
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| 09/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I XXXX : XXXX , a living person, human being flesh in blood has not consented to Equifax, Experian and Transunion in written, my consumer report needs to be kept confident and private. My rights have been violated.
15 U.S. Code 1681b - Permissible purposes of consumer reports ( C ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose.
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. Has Violated my rights. 1. Account Name : XXXXXXXX XXXX XXXX Account number # XXXX 2. Account Name : XXXX XXXX XXXX Account number # XXXX 3. Account Name XXXX XXXX XXXX XXXX Account Number # XXXX 4. Account Name : XXXX XXXX / Account Number # XXXX 5. Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX 6. Account Name : XXXX Account Number : # XXXX 7.Account Name : XXXX XXXX XXXX XXXX Account Number : # XXXX XXXX . Protection of nonpublic personal information 15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information.
15 USC CHAPTER 94, SUBCHAPTER I : DISCLOSURE OF NONPUBLIC PERSONAL INFORMATION 6801. Protection of nonpublic personal information 6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
( b ) Opt out 6801. Protection of nonpublic personal information 6803. Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution 's policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.
( b ) Regulations ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving third party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( d ) Limitations on the sharing of account number information for marketing purposes A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer.
6802. Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.
6803. Disclosure of institution privacy policy ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institution 's policies and practices with respect to 6821. Privacy protection for customer information of financial institutions ( a ) Prohibition on obtaining customer information by false pretenses 6805. Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law, as follows
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| 11/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, Under 15 U.S. CODE 1681 ( a ) ( 4 ) - a ) Accuracy and fairness of credit reporting ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
Transunion IS IN VIOLATION OF 15 USC 1681 ( a ) ( 4 ).
Transunion is taking information from a third party and is apply to my consumers credit report.
I am the only one who can dictate whats goes on my consumers credit report. I have a right to privacy and Transunion has NOT abide by the law. FIRST VIOLATION!
Under 15 U.S. CODE 1681 ( a ) ( 2 ) - Permissible purposes of consumer reports ( a ) In generalSubject to subsection ( c ), any consumer reporting agency may furnish aa consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.
Transunion has violated 15 USC 1681 ( a ) ( 2 ). Transunion did not have permissible purpose to post anything to my consumers credit report.
I, XXXX XXXX XXXX never gave Transunion or any other bureau my WRITTEN Consent to post anything to my consumers credit report. Transunion never received a phone call nor written instructions. I ask that Transunion please send a copy of my handwritten letter giving you consent to do so. You can send my written letter to the address provided. No consent is identity theft!
Under 18 U.S. CODE 1028 ( a ) - Fraud and related activity in connection with identification documents, authentication features, and information ( a ) Whoever, in a circumstance described in subsection ( c ) of this section ( 1 ) knowingly and without lawful authority produces an identification document, authentication feature, or a false identification document ; ( 2 ) knowingly transfers an identification document, authentication feature, or a false identification documentknowing that such document or feature was stolen or produced without lawful authority ; ( 3 ) knowingly possesses with intent to use unlawfully or transfer unlawfully five or more identification documents ( other than those issued lawfully for the use of the possessor ), authentication features, or false identification documents ; ( 4 ) knowingly possesses an identification document ( other than one issued lawfully for the use of the possessor ), authentication feature, or a false identification document, with the intent such document or feature be used to defraud the United States ; ( 5 ) knowingly produces, transfers, or possesses a document-making implement or authentication feature with the intent such document-making implement or authentication feature will be used in the production of a false identification document or another document-making implement or authentication feature which will be so used ; ( 6 ) knowingly possesses an identification document orauthentication feature that is or appears to be an identification document orauthentication feature of the United States or a sponsoring entity of an event designated as a special event of national significance which is stolen or produced without lawful authority knowing that such document or feature was stolen or produced without such authority ; ( 7 ) knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, or in connection with, any unlawful activity that constitutes a violation of Federal law, or that constitutes a felony under any applicable State or local law ; or ( 8 ) knowingly traffics in false or actual authentication features for use in false identification documents, document-making implements, or means of identification ; shall be punished as provided in subsection ( b ) of this section.
Transunion has yet again violated another law!
Transunion has knowingly received information from a third party other than myself and posted to my consumers credit report. Transunion has indeed committed FRAUD!
Transunion has also posted hard inquiries to my consumers credit report which has effect my score tremendously. Transunion has cause me a lot of suffering because of this. XXXX has not reported any accuracy.
As of XXXX XXXX, Transunion is showing an inaccurate XXXX XXXX of XXXX, which was just a XXXX score.
Under 15 U.S. Code 1666 ( b ) - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.
Transunion strikes again with violating 15 U.S.CODE 1666.
Transunion has posted late payments to my consumers credit report based of the information received from a third party ( XXXX XXXX ).
I, XXXX XXXX is the ORIGINAL CREDITOR and I am the only one who can extend credit. Transunion can not extend credit now can they dictate what goes on my consumers credit report.
Under 15 U.S. CODE 1602 ( a ) ( g ) - Definitions and rules of construction ( a ) The definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.
Transunion has Violated numerous laws as listed above. A copy of this letter will be sent to all parties involved as well as the attorney general.
Transunion along with XXXX XXXX ( just to name a few ), has not only damaged my consumers credit report SCORE but knowingly committed numerous of crimes while doing so.
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| 11/17/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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The equitable rights, rights of action, title, and interest of the estate belong to the XXXX XXXX XXXX living trust ; the name is registered, common law copyrighted, and is the private property of the trust ; any chose-in-action listed in the report is executed by the Beneficiary also being the private property of the trust including all accounts, credit, and securities. Anyone found holding any legal title in the Street Name belonging to the estate is assumed to be a Trustee of this trust, whether express, implied, or constructive. Regarding the matters of estates and trusts, equity has exclusive jurisdiction. There appears to be a conflict of interest between the Trustees interest and the beneficiary, a usurpation of the beneficiarys rights, the beneficiary does not monetarily benefit from the sale and use of the estate property in the furnished reports, nor is any of the present adverse consumer reporting beneficial to the beneficiary and presently favors the financial interest of the Credit Agency and its members as Data Furnishers : To my knowledge as beneficiary, there is to be no adverse reporting of an estate trust by any credit reporting agency, especially without consent or a written instruction or request from the consumer 's beneficiary. I reserve my rights to financial privacy rights as beneficiary, a man ; I provide this written request and instruction to remove the following adversely reported items and listed inquiries contained improperly in the consumer report without consent, authorization, and deficient any reporting notice to the beneficiary by either the XXXX XXXX XXXX XXXX or the Data Furnisher, both being Trustees over the estate : Listed in attachment. Any adverse items listed and reporting late payments are not in compliance with Title 15 U.S. Code 1666b ; none of the XXXX XXXX of listed open-end credit plans have NOT provided or demonstrated any evidence that statements were provided at least 21 days before the date specified for payment and any reported late payments by said data furnishers need to be removed from the consumer report. There is also a misrepresentation by the Trustees regarding the bankruptcy listed on the consumer report as being reported from the courthouse ; however, the fact of the matter is the information is being actually reported by XXXX XXXX XXXX and XXXX, additional trustees. Furthermore, it is a Maxim of law that Equity follows the Law, that equity will not suffer a wrong without a remedy nor allow a statute to be a cloak for fraud and unfair and deceptive trade practices involving the unauthorized practice of law by a corporation. The Laws and Regulations according to the Fair Credit Reporting Act Title 15 U.S. Code 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by Title 15 U.S. Code 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. Title 15 U.S. Code 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX Transunion, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Transunion, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked as of this notice. Title XXXX XXXX XXXX XXXX ( b ) ( c ) states that " A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The Furnishers of information to credit reporting agencies have never informed me by notice of my right to exercise my non-disclosure option. Not only that but Title 15 U.S. Code 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' The listed accounts and inquiries are adverse items reported without notice or my permission, a conflict of interest against the equity and the law. Title 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, Transunion, XXXX, and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am invoking my right NOW ; I am opting out of your reporting services regarding any adverse reporting in conflict of interest with the Beneficiary and Trustee. Regulations further provide Credit Reporting Agencies are ONLY exceptions to the notice and opt-out requirements provided in 12 CFR 1016.15, with the consent or at the direction of the consumer, provided that the consumer has not revoked the consent or direction ; XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Beneficiary Non-person, Non-Statutory, All rights reserved. ( E-sign Act ) XXXX
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| 06/24/2023 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This is a false company, they did not address my name thankfully or any personal details, but they threatened me in my email and the name looks like TransUnion in the email and says credit report ( from ) " XXXX '' None of this is true and it's very scary intimidation and says not to include any of this information in the money I send to them.
NONE of their email is true, or pertains to me. And they are threatening me.
Attention, Debt Owner Ref Number : XXXX This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your SSN is put on hold by the US Federal Government, so before the case, is filed we would like to notify you about this matter It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your overdue account. At this point, you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name.
Now, LEGAL TEAM is pressing charges against you regarding 3 serious allegations : 1. Violation of federal banking regulation act 1983 ( C ) 2. Collateral check fraud 3. Theft by deception So as of now rather than chasing you for money, they have simply decided to write this money as a loss and deemed to be stolen as well as press charges against you in your state under your social security number.
Now this legal affidavit has been taken care of by FDCPA Law Fair Debt Collection Practice Act Chapter : 9 Section : 19 This is also to inform you that our client has got all the rights and legal authorities to inform your current employer of what you have done in the past and what shall be the results and the consequence once this case would be downloaded which might lead to termination.
Finally, you do have a right to an attorney if you dont have one or you can not afford one, One shall be appointed to you but please make sure you have someone to help you out regarding this case, you can check your voice recordings, your all details with the help of your attorney if you have one, or else you can settle this case immediately because once this case would be executed and if you lose this case against the jury that the legal charges which would be levied upon you would be {$550.00} this amount would be excluding your attorney charges your bail charges and the outstanding amount you owe to the clients We reserve the right to commence litigation for intent to commit wire fraud under the pretense of refusing to repay a debt committed to, by use of the internet. In addition, we reserve the right to seek recovery for the balance due, as well as legal fees and any court costs incurred.
WE CARRY ALL THE RIGHTS RESERVED TO INFORM TO FBI, FTC, HOME LANDS SECURITY YOUR EMPLOYER, AND BANK ABOUT FRAUD.
XXXX XXXXXXXX XXXXXXXX XXXX XXXXr XXXX Toll-Free : XXXX Direct : XXXX Attention, At this time, we still have not heard from you in regards to the invoice from XXXXXXXX XXXX XXXX XXXX XXXX which you took way back in XX/XX/XXXX it was due on the same date of service but due to lack of correct billing details, you were supposed to pay this from a credit card, but you disputed or cancelled the charge due to which you owe it. The payment was not been completed. Nor have we gotten a response to the letter sent on XX/XX/XXXX, the letter sent on XX/XX/XXXX, or numerous attempts to reach you at the contact number and email you. Your accounts are more than a year past due and you owe a total of {$550.00}.
Your account is still past due and it is clear that our efforts to work with you to get the invoice amicably are not working & we will have to turn your invoice over to court so that they will start their procedure.
We hope to hear from you before this action must be taken to avoid damage to your Credit score rating or our future business relationship. Please reach us so we can get this matter settled, if you fail to repay, you will be prosecuted to the full extent under the law. You will certainly face incarceration.
FAILURE TO PAY MAY RESULT IN LEGAL ACTION.
NOTE : We have the resources of the federal government available to track you and find you, including the XXXX XXXX XXXX XXXX. Your IP details and electronic signature have been reported and are being traced, and your location will be found shortly. At this point, we will include appropriate civil and criminal complaints against you for the Judge 's consideration during prosecution.
Lastly, if you have anything to say, please reach out to us or email us so we can quickly resolve this matter, or if you have submitted payment earlier, please disregard this email.
May it be further understood that any court judgment entered against you for non-payment of this debt will be recorded in the county you reside in and will be reported to all credit bureaus. This judgment will stay in your credit history for five years and an additional five years if it is renewed. This could affect your ability to find a job, your new setup for any business, and several other things in the future and can affect your overall credit rating.
Kindly note if you should choose to ignore this letter, we shell claim further interest on the outstanding amount that you are liable for until the date of full payment. We shall also make a claim for reasonable recovery costs. The daily rate of interest on the full outstanding amount is XXXX XXXX under the terms of our contract with you at the rate of 5 % per annum. This letter is sent with prejudice to credit reporting & collections rights and claims, all of which are expressly reserved.
We also ask that you do not include the details of your XXXX XXXX this email in order to make any payment.
Hoping for your kind revert.
XXXX XXXX XXXX XXXX XXXX Toll-free : XXXX Direct : XXXX CONFIDENTIALITY NOTICE : This email may contain material that is confidential, privileged, and/or attorney work product for the sole use of the intended recipient. Any review, reliance, or distribution by others or forwarding without express permission is strictly prohibited.
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| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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*** To begin, I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
My only first and last name are : XXXX XXXX My only address is : XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX I have provided a copy of my identification documents for you to verify my social security number and date of birth.
I do NOT have any OTHER NAMES, ADDRESSES, SSNs or DOBs and I do NOT desire any OTHER personal information to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights or I will be forced to file a complaint with the Consumer Financial Protection Bureau.
RE : Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit Inquiry ( ies ) by Original Creditors on my Transunion Credit Report.
To Whom It May Concern, In the course of recently screening my personal Transunion credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones deficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
2. PLEASE VERIFY IDENTITY OWNERSHIP AND ACCURACY OF THIS ACCOUNT.
XXXX XXXX XXXX Account Number : XXXX This account that is being reported negative on my credit report does not seem to be reporting accurately and legally per the Fair Credit Reporting Act ( FCRA ). You must prove that I in fact applied for this account and am the rightful owner of this account or it must be deleted from my credit report for being unable to verify my identity. This would be a violation of the FCRA and METRO 2 reporting guidelines set forth by the CDIA. Therefore, please remove this account or I would be forced to file a complaint with the proper authorities for reporting inaccurate information and a case of possible mistaken identity.
3. The following personal information is incorrect Account Number : Employers : XXXX XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : Employers : XXXX 5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
7. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report.
I compel you to demonstrate the mandated physically verifiable proof of adequately achieved permissible purpose from the exactly lawfully identified me and or any entity legally able to render such authority or else annul via full deletion of the entire unproven derogatory allegation ( s ) of inquiry claim made versus me deficient of federal reporting compliance unjustly or proof thereof.
To date, there is no testimonial certificate of facts that irrefutably display that I did indeed knowingly and agreeably authorize anyone employed by this company to make any inquiry and view my Transunion credit report on this ( these ) specific dates alleged if any dates ever at all. It is my contention that either the Original Creditor ( s ) have ( has ) violated the Fair Credit Reporting Act Section 1681b ( c )., or can not or will not demonstrate evidence of doing so compliantly to reporting standards as requisite by consumer reporting regulatory laws and practices. Might it be that in reality that they were not legally entitled to make these potentially fraudulent inquiries? Obviously, you can see as I do and also as would any deciding court should I seek suit versus you that this is a serious breach of my privacy much less my consumer and potentially my civil rights. Make addend corrections now to relieve yourself of foul position of non-compliance to reporting obligations so to retain or return to the appropriate status of certified Metro 2 compliant reporting more over 100 % provable true, correct, complete, and timely reporting.
Let there be no mistake that I am requesting that the alleging entities currently unproven to be compliant to immediately mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity. If need be I will require that you advised them that if they can not provide me with proof that I authorized them to view my credit report then I am within my consumer and civil rights in my demanding that they contact the credit bureaus, including you Transunion, immediately so to adequately make rectifiable removal of every one even each any and or all of the deficient of compliant unauthorized and or fraudulent hard inquiries which clearly lack demonstrated permissible purpose as required.
To that end, further, I am also requesting that they remove any and all of my personal information from their records.
The last 4 of my SS # : XXXX and my Date of Birth : XX/XX/XXXX in case it is needed to locate the potentially injurious and fraudulent inquiry in their system.
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| 08/25/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/2023 Transunion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX ATTN Risk Management Officer This is a DEMAND TO COMPLY LETTER with written instruction as it relates to I the consumer pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). Under the Fair Credit Reporting Act it has been established by Congress, your agency role to I the principal, the consumer, in fact is to adopt reasonable procedures to uphold the need to insure that your grave responsibilities fairness, impartiality, and a respect for my right to privacy must be maintained for maximum possible accuracy. Under 15 U.S. Code 1681e ET seq, you may not procure or furnish a consumer report without following 1681b ( a ) ( 2 ) as my written instructions as it relates. There has been a violation of these reasonable procedures because as I showed within my attachments there has been inaccurate and unverifiable information removed from another consumer reporting agency and has not been removed from your system. You should be aware your failure to maintain your reasonable procedures for maximum possible accuracy has resulted in a conspiracy which deprived me of my right pursuant to Truth in Lending Act subsection 1602 ( f ) to extend new credit for myself. This deprivation of my rights is a federal criminal violation under 18 U.S. Code 241. I am well aware of the fact that the reasonable procedures requiring each consumer reporting agency to compile and maintain files on consumers on a nationwide basis shall establish and maintain a notification system jointly with other such consumer reporting agencies pursuant to 15 U.S.Code 1681b ( e ) ( 6 ).
Understand this is NOT a dispute letter as there is nothing to dispute. I am DEMANDING you, the agent, to follow your fiduciary responsibility to me and remove/delete the following information from my consumer file. This has been an egregious failure to follow your very own reasonable procedures required by the Fair Credit Reporting Act.
In the attachment included with this letter you will see my identifying information as well as my consumer report from Transunion and XXXX which shows I do not have any account of Reported on my Transunion and XXXX consumer credit report. However this account is reported with your agency. This should not exist. You must have joint systems to notify each other of this incorrect information as consumer reporting agencies to maintain maximum possible accuracy. This is a violation and failure to maintain your reasonable procedures for maximum possible accuracy and is false and misleading reporting. This information is also incorrect and falsely reports Metro 2 fields which do not match between both Transunion and XXXX. I demand this account to be removed from consumer report by your consumer reporting agency for the federal law violation of failure to maintain your reasonable procedures for maximum possible accuracy and violation for failing to promptly deleting that item of information as required for treatment of inaccurate or unverifiable information pursuant to 15 U.S.Code 1681i ( 5 ) ( A ).
Remove/Delete the following account.
1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item.
VIOLATION OF 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by theconsumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agencyfor actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Law Firm XXXX , XXXX XXXX XXXX XXXX CC : Assistant Director of Enforcement Consumer Financial Protection BureauXXXX XXXX XXXX XXXX XXXX, D.C. XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints
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| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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The following letter, which serves to explain the applicable rule of law, and supporting documents ( please see the attached file ) were mailed to XXXX XXXX as evidence that the XXXX XXXX loan issued to me and ending in XXXX ( henceforth referred to as Loan XXXX ) is dischargeable through my XXXX XXXX Bankruptcy Case that was filed in XX/XX/XXXX, and discharged by the United States Bankruptcy Court in XX/XX/XXXX by order of a United States Bankruptcy Judge.
Though most student loans are not dischargeable through bankruptcy, relevant case law dictates that XXXX XXXX can not be defined as a qualified education loan because I was not an eligible student to receive a qualified education loan during the period for which the Loan was originated, approved, and disbursed. The law on student eligibility stipulates that a student must be enrolled or accepted for enrollment in a degree, certificate, or other program in order to be considered eligible to receive a qualified education grant, loan, or work assistance.
Supporting documents include an official statement from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXr at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( henceforth referred to as XXXX ) the school to which Loan XXXX was disbursed, as noted on the loan 's Final Disclosure document attesting to the fact that I have " never been accepted for admission to or enrollment in any XXXX program.
The letter and supporting documents referred to herein were sent to XXXX XXXX at XXXX XXXX XXXX, XXXX, XXXX XXXX, by U.S. mail on XX/XX/XXXX, and were delivered on XX/XX/XXXX ( USPS delivery confirmation included in the attached document ). A XXXX XXXX Manager XXXX, Employee # XXXX, confirmed receipt of said mailing during a phone call with me that occurred on XX/XX/XXXX.
THE FOLLOWING LETTER TO XXXX XXXX, DATED XX/XX/XXXX, WAS MAILED ON XX/XX/XXXX, AND RECEIVED BY XXXX XXXX ON XX/XX/XXXX : To Whom It May Concern : I, [ NAME REDACTED ] ( CIN [ NUMBER REDACTED ] ), filed for XXXX XXXX Bankruptcy with the XXXX XXXX XXXX Bankruptcy Court in XX/XX/XXXX. In XX/XX/XXXX, the court notified XXXX XXXX of the Order of Discharge granted to me by United States Bankruptcy Judge [ NAME REDACTED ].
Ordinarily, unsecured loans such as the private XXXX XXXX Smart Option Student Loan ending in XXXX ( Loan XXXX ), issued to me and referred to herein are fully dischargeable in bankruptcy. However, XXXX XXXX incorrectly claims that XXXX XXXX falls under an exception, provided by The Bankruptcy Code, that relates to educational obligations and prescribes that a qualified education loan is not eligible for discharge through bankruptcy. XXXX XXXX postulates that XXXX XXXX is an educational loan that is a qualified education loan, as defined in section 221 ( d ) ( 1 ) of the Internal Revenue Code of 1986... '' See 11 U.S. Code 523 ( 8 ) ( B ).
The reason that XXXX XXXX is not a qualified education loan, and is therefore eligible for discharge, is detailed in the paragraphs below.
IRS Code 221 ( d ) ( 1 ) states that The term qualified education loan means any indebtedness incurred by the taxpayer solely to pay qualified higher education expenses... which are attributable to education furnished during a period during which the recipient was an eligible student. See 26 U.S. Code 221 ( d ) ( 1 ).
The IRS Code continues in section 221 ( d ) ( 3 ) by defining the term eligible student to have the meaning given such term by section 25A ( b ) ( 3 ). See 26 U.S. Code 221 ( d ) ( 3 ).
IRS Code 25A ( b ) ( 3 ) states that For purposes of this subsection, the term eligible student means, with respect to any academic period, a student who ( A ) meets the requirements of section 484 ( a ) ( 1 ) of the Higher Education Act of 1965 ( 20 U.S.C. 1091 ( a ) ( 1 ) ), as in effect on the date of the enactment of this section... See 26 U.S. Code 25A ( b ) ( 3 ) ( A ).
Finally, the Higher Education Act 1091 on Student eligibility dictates in subsection ( a ) ( 1 ) that In order to receive any grant, loan, or work assistance under this subchapter, a student must ( 1 ) be enrolled or accepted for enrollment in a degree, certificate, or other program... See 20 U.S. Code 1091.
On XX/XX/XXXX ( the Final Disclosure Date for Loan XXXX ), I was not nor have I ever been enrolled or accepted for enrollment in an official program through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, nor through any other school/division of XXXX University . I borrowed Loan XXXX from XXXX XXXX to pay for my enrollment in independent graduate courses offered through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. At no point was I eligible to earn a degree or to be enrolled in an official XXXX program. Provided evidence in support of this fact includes the rejection letter I received from XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX, after applying to the schools XXXX XXXX XXXX XXXX program. The letter states that, not only was I rejected for admission, but I was ineligible for admission due to not having earned a regionally accredited XXXX XXXX. As further verification, I have included a recent statement issued by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, attesting to the fact that I have never been enrolled or accepted for enrollment in any of their programs.
The above information and submitted evidence serves as proof that my XXXX XXXX unsecured loan, XXXX XXXX, is eligible for discharge through bankruptcy. As it is my right under United States law, I am requesting that the full amount of my XXXX XXXX loan ending in XXXX be discharged immediately. Additionally, any and all negative information pertaining to Loan XXXX dated on or after XX/XX/XXXX ( the Order of Discharge Date ) needs to be expunged from my credit report, and said loan must be reported to all consumer reporting agencies as discharged through XXXX XXXX Bankruptcy as of the Order of Discharge Date.
If this matter is not resolved within a reasonable amount of time, not to exceed 30 days from the date of receipt of this mailing, my next course of action will be to file a formal complaint with the Consumer Financial Protection Bureau.
I appreciate your time and thank you in advance for your cooperation.
With gratitude, [ NAME REDACTED ] Customer Identification Number : [ NUMBER REDACTED ] Loan : XXXX
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| 11/08/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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XXXX XXXX is now a collection account on my report. All 3 bureaus removed this due to identity theft and all 3 put them back on without notifying me. Please see my new ID theft report and remove these items within the 4 days as the law states.
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.
XXXX XXXXSEE PREVIOUS ID Theft REPort XXXX XXXX XXXX-SEE PREVIOUS ID THEFT REPORT XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX Supporting documents are enclosed with this letter. Please let me know if any additional information is needed. Furthermore, when you accept this request, please send the notifications required by the FCRA to all furnishers of the blocked information.
Sincerely, XXXX XXXX XXXX Enclosed : A copy of my Identity Theft Report Copies of my drivers license and social security card ( to verify my identity and address ) A copy of section 605B of the Fair Credit Reporting Act Also, please note : XXXX Please remove allnon-account holding inquiriesover 30 days old.
* Please add aPromotional Suppressionto my credit file.
XXXX, XXXX and Transunion continue to disregard the Federal Laws for Identity Theft. I am personally filing this complaint to you and this is not a credit repair company. a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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| 07/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX ) XXXX XXXX cited with account ( " XXXX '' ) and dating from the year XXXX is claimed as to have been associated with me and this is a matter upon which I have no knowledge nor any record and a matter upon which a mistake of identity seems to have been committed whereby I have been erroneously discharged with incurring such debt as would be that I maintain no hand nor any dealings nor any such relation in any manner or form whatsoever to such debt as is hereby claimed to have been charged, spent, settled, owed or in any other manner related to me in all actuality.
2 ) A XXXX XXXXXXXX XXXX Credit Card is present whereby the charge is made by charging me with amount of {$1900.00} as claimed to be amount charged and thereby owed in debt and this amount is wholly inaccurate in actuality. The card in question is card which I had, indeed, held through the bank and by the bank. It is card which, in all actuality, I had not properly occasioned to have used in any manner corresponding to significance. When I had used the card, I used it to make purchases which my records shall attest to be purchases amounting in total sum of these to a total amount not exceeding some XXXX dollars ( and thereabouts ). Further to this, such sums as I have detailed are also sums which I had paid by return ( and in full ). Therefore, I wish it to be stated expressly that such sums ( as sums charged of me in actuality ) are and remain sums that have been, to my best knowledge fully returned as to be paid in full. But such sums which actually exist as to have been recorded in charges and returns remain sums unrelated to the claim of {$1900.00} and which remain amounts remote to such claim ( the actual sums are sums amounting in total tabulation, to a total not exceeding by any ways XXXX XXXX dollars or so in total tabulation ). Such claim that I maintain a debt outstanding in the amount of {$1900.00} is and remains as to be unrecognizable to the degree that I question if unauthorized spending is to be cited and found as to have occurred or otherwise an error has been committed. Such sum is not to be seen reflected by spending records nor in records at all. This sum is amount which I regard to be unrelated to amount as ever charged or ever used or ever spent or in any way ever expended and this in all actuality bearing by record.
XXXX. I with to expressly state that returns as paid in full have been recorded by receipts as to exhibit that those charges which were made by use of the card in question are neither related to the sum claimed as to be outstanding and also bear as to be paid in the sums of record and actual fact. Note therefore that such charges as hereby we find to be cited are charges involving far lesser sums than this the claimed charge and therefore sum of debt ( {$1900.00} ) as this sum is being hereby charged erroneously or by malicious conduct of a third party and charged of me by XXXX XXXX XXXX who claim whatever sum had actually been charged just as well as to be sum still unpaid by myself and both of these are claims made in error as such. The case of the presently concerned debt, we hold as to be debt of no credibility nor basis in hold to its merits and we hold it thus to be claim with no basis nor any grounds that it exist as to be claimed debt outstanding nor that the furtherance of it as claim be made ( as it has been made in all actuality ).
3 ) The above detailed XXXX XXXX XXXX derogatory claim has been advanced despite the same XXXX XXXX XXXX citing as to render our accounts held by and in this bank as to be in accounts and credit in " good standing/never late '' and this in relation to both the bank and to credit cards of the bank 's issuance and with supporting statements provisioned in this regard ( as to stand in contrast to the lack in and of any citable correct and accurate statements as would support the above detailed derogatory claim as it is nevertheless made and advanced ).
4 ) XXXX XXXX makes claim of debt to XXXX in the amount of {$2700.00}. We concede an amount to be outstanding to XXXX for cell phone bills but add here that such amount is not amount as such is claimed nor remotely approaching such as is claimed ( in actually the bill in question is bill of a XXXX or so dollars and also is a bill which remained unpaid in such amount as given here to be XXXX dollars or thereabouts to best recollection owing to the fact that the payment itself had been offered and made to XXXX who had refused repeatedly for reasons unknown to accept such payment as had been offered by such ordinary means as several previously paid sums had in all actuality been paid and as such been accepted also and this involving the same two parties as are currently at disputation. Finally, as we regard by record existent, that such payment as was owed was also attempted as to be paid by XXXX XXXX who attempted to pay the outstanding sum in cash at a XXXX XXXX in XXXX XXXX NY ( XXXX ) and this attempt resulted in such sum of cash being rejected as to be a transaction deemed impossible by employees at the XXXX store who cited no reason and whose rejection of such sums in payment remain also as to be unknown to us and therefore as to be cited by us in explanation of the same sums remaining outstanding ( but not, we note, in conceding by any manner the larger sum of {$2700.00} as these shall not be regarded accurate as to be charged in any manner whatsoever nor regarded as to be remotely related to that actual sum of a XXXX dollars or so which we concede to be sum owed as to remain outstanding but we add to this citation as to remain in such state owing to those reasons hereby cited as to have been obstructive to due payment being made as it is seen as to not be payment which had been accepted in receipt of it ).
We have disputed these above as they have been detailed but these are claims which have nevertheless persisted and persisted nonetheless as to warrant this complaint as to be complaint issued forth to this Government Department in hopes that due fairness and due accuracy be instituted and observed in and of all these by the companies at concern. Failing such action, we shall seek legal action as to bring us to attainment fully of such remedial measures as we find these to be measures fully and properly due.
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| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I am formally requesting that you validate all tradeline notations you have submitted to the three major credit reporting agencies as : XXXX XXXX XXXX - account number XXXX Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.
Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
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| 02/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center po box XXXX XXXXXXXX XXXX XXXXXXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Inquiries have reached the statute of limitation.
XXXXXXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXXXXXX XXXX XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX XXXXXXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. XXXX Account Number : XXXX It is not possible for you to update an account that I have no recollection of even belonging to me. You must remove this frivolous account immediately from my credit report.
XXXX. The inquiry was not authorized XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. 2055 CC : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To whom it may concern, YOU BROKE THE LAW!!!
Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.
Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.
Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.
Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.
Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.
( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.
Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.
Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 ) Therefore I am requesting IMMEDIATE REMOVAL OF ALL ITEMS FROM MY CONSUMER RFEPORT ACCORDING TO EXHIBIT A EXHIBIT A XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX XXXX Account Type : Collection Collection Account Type - Detail : Collection Collection Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$50.00} {$50.00} No. of Months ( terms ) : - - High Credit : {$50.00} {$50.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection Medical Subject has not satisfied debt.
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX TransUnion XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$36.00} {$36.00} {$36.00} No. of Months ( terms ) : 0 0 0 High Credit : {$610.00} {$0.00} {$610.00} Credit Limit : {$300.00} {$300.00} {$0.00} Past Due : {$36.00} {$36.00} {$36.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor.
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$800.00} {$800.00} {$800.00} No. of Months ( terms ) : 0 0 0 High Credit : {$800.00} {$0.00} {$800.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$800.00} {$800.00} {$800.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt First payment never received First payment never received.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - XXXX TransUnion XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account Charge account Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$800.00} {$800.00} {$800.00} No. of Months ( terms ) : 0 0 0 High Credit : {$800.00} {$0.00} {$800.00} Credit Limit : {$0.00} {$0.00} {$0.00} Past Due : {$800.00} {$800.00} {$800.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt First payment never received First payment never received.
Unpaid balance reported as a loss by the credit grantor.
Charged off account Charge Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - XX/XX/XXXX Two-Year payment history
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| 06/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with fair Credit reporting act XXXX account numbers has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.C.S 1681 section 2 : it also states Consumer reporting agency can not furnish a account without my written instruction DEPT OF ED / XXXX XXXX Address XXXX XXXX XXXX XXXX, NE XXXX Monthly Payment {$0.00} Responsibility Individual Account Loan Type STUDENT LOAN Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Payment Received {$0.00} Terms {$0.00} per month, paid Monthly for 120 months High Balance ( Hist. ) High balance of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX Remarks ACCT CLOSED DUE TO TRANSFER ; TRANSFERRED TO ANOTHER OFFICE Pay Status >Transferred ; was 120 days past due date< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX, NE XXXX Monthly Payment {$0.00} Responsibility Individual Account Loan Type STUDENT LOAN Payment Received {$0.00} Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Pay Status >Transferred ; was 120 days past due date< Terms {$0.00} per month, paid Monthly for 120 months High Balance ( Hist. ) High balance of {$3000.00} from XX/XX/XXXX to XX/XX/XXXX Remarks ACCT CLOSED DUE TO TRANSFER ; TRANSFERRED TO ANOTHER OFFICE Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - - X {$3200.00} {$360.00} {$0.00} {$33.00} XXXX -- - -- - -- - -- - OK Address Phone XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Monthly Payment {$0.00} Responsibility Individual Account Loan Type AUTOMOBILE Payment Received {$0.00} Pay Status >Charge-off< Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Terms {$0.00} per month, paid Monthly for 72 months Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX High Balance ( Hist. ) High balance of {$23000.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NC XXXX Date Opened XX/XX/XXXX Account Type Open Account Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type DEPOSIT RELATED Payment Received {$0.00} Pay Status >Charge-off< High Balance ( Hist. ) High balance of {$0.00} from XX/XX/XXXX to XX/XX/XXXX XXXX DEPT OF EDUCATION XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA 23323 Monthly Payment {$0.00} Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Loan Type STUDENT LOAN Payment Received {$0.00} Pay Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Original Creditor XXXX XXXX Terms $ XXXX Payment High Balance ( Hist. ) High balance of {$3000.00} from XX/XX/XXXX to XX/XX/XXXX Scheduled Payment : Remarks : Rating : {$0.00} XXXX COL {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX VA XXXX Monthly Payment {$0.00} Responsibility Individual Account Loan Type STUDENT LOAN Payment Received {$0.00} Pay Status >Collection< Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Account Type Installment Account Date Updated XX/XX/XXXX Original Creditor XXXX XXXX Terms $ XXXX Payment High Balance ( Hist. ) High balance of {$1700.00} from XX/XX/XXXX to XX/XX/XXXX XXXX XXXXXXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Date Opened XX/XX/XXXX Account Type Open Account Balance {$1400.00} High Balance {$1500.00} Past Due {$1400.00} Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXXXXXX XXXX XXXX Pay Status >Collection< Estimated month and year this item will be Remarks removed >PLACED FOR COLLECTIONXXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NC XXXX Date Opened XX/XX/XXXX Account Type Open Account Balance {$0.00} Last Payment Made XX/XX/XXXX Original Creditor XXXX XXXX Pay Status >Account Paid in Full was a Collection< Date Paid XX/XX/XXXX Remarks >PAID COLLECTION< Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX High Balance {$120.00} Past Due {$0.00} Date Closed XX/XX/XXXX Estimated month and year this item will be removed XX/XX/XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NC XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$570.00} High Balance {$570.00} Past Due {$570.00} Estimated month and year this item will be removed XX/XX/XXXX Date Updated XX/XX/XXXX Original Creditor XXXX XXXX Pay Status >Collection< Remarks Account information disputed by consumer ( FCRA ) ; XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, FL XXXX Date Opened XX/XX/XXXX Account Type Open Account Balance {$470.00} High Balance {$470.00} Past Due {$470.00} Estimated month and year this item will be removed XX/XX/XXXX Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Date Updated XX/XX/XXXX Original Creditor XXXX Pay Status >Collection< Remarks >PLACED FOR COLLECTION< XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Date Opened XX/XX/XXXX Account Type Open Account Phone ( XXXX ) XXXX Responsibility Individual Account Loan Type COLLECTION AGENCY/ATTORNEY Balance {$270.00} High Balance {$270.00} Past Due {$270.00} Estimated month and year this item will be removed XX/XX/XXXX Date Updated XX/XX/XXXX Original Creditor XXXX XXXX UNIVERSITY XXXX Pay Status >Collection< Remarks >PLACED FOR COLLECTION< In accordance with fair Credit reporting act XXXX account numbers has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.C.S 1681 section 2 : it also states Consumer reporting agency can not furnish a account without my written instruction
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| 10/10/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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XXXX XXXX XXXX, the servicer on my XXXX College Loan, updated to a new online borrower portal called XXXX XXXX in XXXX and XXXX of XXXX. I have been repaying this loan since XXXX ( with autopay for the last several years ) without incident until the switch to XXXX XXXX took place. A problem with my autopay on or around XX/XX/XXXX set off a series of events I will detail below that culminated in 2 late payments and a negative effect on my credit score - this all despite my extensive and well-documented efforts to pay my loan and re-set up my autopay via email and phone. I think that there was an internal problem on the part of XXXX when they switched over to the XXXX XXXX system, and that this problem was compounded by an inability or unwillingness on their part to help me fix it. I would like ( 1 ) for my credit to be restored, and ( 2 ) for the two recent missed payments to be removed from my record.
All attachments are labeled A through I and referenced as such below.
In XX/XX/XXXX I received an email ( A ) that XXXX was anticipating system down time while they upgraded to the XXXX XXXX online borrower portal. I was informed that no late fees would be assessed in the month of XX/XX/XXXX, and there was no indication that action needed to be taken on my part to continue my recurring payments ( that had been set up and working well for years ).
On XX/XX/XXXX I received an email that the switch to XXXX XXXX was complete and that my account was active ( B ).
On XX/XX/XXXX I received an email that I had a new document on the XXXX XXXX system to review ( C ). This document showed that as of XX/XX/XXXX my account was current, with an automatic debit of {$140.00} ( my usual amount ) to take place on XX/XX/XXXX. Great.
On XX/XX/XXXX I received another email that I had a document to look at. This document, dated XX/XX/XXXX, stated that my account was PAST DUE in the amount of {$180.00} ( D ). This was a surprise to me. I logged on to the website and viewed my payment history ( E ) and indeed, the status of the XX/XX/XXXX autopayment was " failed ( unapplied ) ''. I tried to pay online then and there but there was a problem with the system and I was unable to make the payment ( as happened to me again, on XX/XX/XXXX ). I tried to call, but it was after business hours. I was able to try to establish that my autopay was still set up, and received an email confirmation that autopay was indeed set up on my account ( F ).
On XX/XX/XXXX, the date my autopay was set to debit from my account, I received an email that " due to my request '' my autopay had been cancelled ( G ). As the loan was due that date, this resulted in my account now being TWO MONTHS OVERDUE. I did not request for my autopay to be cancelled at any time.
On XX/XX/XXXX I called XXXX XXXX customer service to sort out why my autopayments were failing ( on XX/XX/XXXX ) and being cancelled without my knowledge ( on XX/XX/XXXX ). Importantly, I also had my credit card out and was about to pay the balance of the bill, but the representative STOPPED ME, saying she " saw two different due amounts listed '' and that she would refer me to their account specialists to see how much I owed, and would follow up with me. She never followed up. There should be a quality assurance recording of this phone call. I could have paid my bill that day, but she advised me against it. I am sorry I followed her advise. I told her of my concern that my credit could be affected by my unpaid balance, she told me the account specialists would look into it. Notably, she asked if I was using a XXXX Bank account to pay my bill, which I thought was strange. I have an old XXXX Bank account that I closed years ago, and have used my XXXX XXXX XXXX account to make payments on this loan for years. I have a suspicion that when the switch to XXXX XXXX took place, the XXXX Bank account was erroneously used for my autopay and this is why my autopayments began to fail at the exact same time they switched their system. Just my hunch. Not my fault, and I shouldn't have to pay for their mistakes with my own credit score.
On XX/XX/XXXX I received an email that again I had a document available on the XXXX XXXX website. I viewed it and to my horror, it showed that my account was still {$360.00} past due ( H ). I thought at least the status would be suspended due to my recent phone call and active case with customer service. I immediately tried to pay the account online but there was an error. I wrote an email to customer service detailing that I had just tried to pay online but couldn't, and requested that they fix this problem right away, and was met with the response " we will refer this to our account specialists. '' ( my email not attached but available ).
On XX/XX/XXXX I called customer service again. I was able to pay the balance this time over the phone, bringing my account current. I also set up autopay over the phone yet AGAIN and thought the issue was resolved. I again asked her to ask about fixing my credit and again she said she would refer me to their account specialists.
On XX/XX/XXXX I received an email ( H ) that again, my recurring payments had been cancelled, again without my knowledge.
On XX/XX/XXXX, I went online and just paid the balance that was due XX/XX/XXXX ahead of time as I just wanted to feel secure that I was not going to be late on any more payments.
The status of my account now is that it is current, and my next payment is due XX/XX/XXXX, supposedly as an automatic debit. I will, of course, be checking that day to make sure the payments go through and will pay it manually if there is ( again ) a problem.
Throughout this ordeal the customer service has been lacking. Clearly, there was some kind of hiccup with my account when they changed their systems and the end result is that after trying to do the right thing at every turn and work with their customer service time and time again, I now have registered late payments for XXXX and XX/XX/XXXX that are affecting my credit. I'm trying to buy a house and this is really affecting me. They don't seem to be willing or able to set up my autopay correctly and work on reversing the damage they've done to my otherwise super stellar credit. My last recourse is to file a complaint with this agency.
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| 01/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX Please remove it from my credit report.
2. I have NO knowledge of this account XXXX Please investigate and delete from my credit report.
3. This is a duplicate account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
4. This is a duplicate account XXXX XXXX XXXX XXXX Please remove it from my credit report.
XXXX. The following information is outdated. I would like it removed from my credit history report XXXX Please remove it from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. I have NO knowledge of this account XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
2. I have NO knowledge of this account XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
3. I have NO knowledge of this account XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
4. I have NO knowledge of this account XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
5. I have NO knowledge of this account XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
6. I have NO knowledge of this account XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
7. The following account is not mine XXXX XXXXXXXX XXXX XXXX XXXX Please investigate and delete from my credit report.
8. The following account is not mine XXXX XXXXXXXX XXXX XXXX XXXX Please investigate and delete from my credit report.
9. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report.
10. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report.
11. I have NO knowledge of this account XXXXXXXX XXXX Please investigate and delete from my credit report.
12. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX Please investigate and delete from my credit report.
13. Validate Account XXXX XXXX Please investigate and delete from my credit report.
14. The following information is outdated. I would like it removed from my credit history report XXXX Please remove it from my credit report.
XXXX5. Validate Account XXXX XXXX XXXXXXXX XXXX Please remove it from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. I have NO knowledge of this account DEPT OF ED Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
2. I have NO knowledge of this account XXXX XXXX Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
3. I have NO knowledge of this account DEPT OF ED Date of inquiry : XX/XX/XXXX Please investigate and delete from my credit report.
4. The inquiry was not authorized XXXX Please remove it from my credit report.
5. This is a duplicate account XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report.
6. I have NO knowledge of this account XXXXXXXX XXXX Please investigate and delete from my credit report.
7. Validate Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount Number : XXXX Please investigate and delete from my credit report.
8. This is a duplicate account XXXX XXXX XXXX XXXX Please remove it from my credit report.
9. The following information is outdated. I would like it removed from my credit history report XXXX Please remove it from my credit report.
XXXX0. Validate Account XXXX XXXX Please remove it from my credit report.
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Thank you for your time and help in this matter.
Sincerely, XXXX XXXX
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| 01/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : This is not a regular dispute. Take action immediately you are in violation.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors i see you are disregarding it so heres my breakdown.
1.The Fair Credit Reporting Act is the primary federal law that governs the collection and reporting of credit information about consumers. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is a FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mixing up one person 's information with another 's because of similar ( or same ) last name or social security number. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
Disputeand have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable and Invalidated.. i recently applied for extended credit and was denied i am in distress because of your mistakes.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report.
* Please remove all non-account holding inquiries Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection BureauCC : Attorney Generals Office CC : XXXX XXXX XXXX CC : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC : California Regulatory agency Divison of consumer complaints Sincerely, XXXX XXXX
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| 09/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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In accordance with the fair credit reporting act these creditors have violated my rights! Under 15 U.S.C 1681 Section 602 States " I have the right to Privacy ''. 15 U.S.C 1681 Section 604 A section 2 " it also states a consumer reporting agency can not refurnish an account without my written instructions ''. Under 15 U.S.C 1666B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose ''.
Alleged Fraud, Violation of Consumer Rights, and Inaccurate Information on Credit Report Thorough Investigation into the Acquisition of Fraudulent and Inaccurate Information from Third-Party Creditors I write and address serious concerns regarding the credit reporting practices of your consumer reporting agency. As an esteemed well-versed in the intricacies of consumer rights and protection, it is incumbent upon me to fully protect the interests and well-being of my integrity permissible under the law. Considering the allegations regarding the fraudulent inclusion of information from third-party creditors on their credit report, it is of paramount importance that a thorough examination be undertaken to ascertain the precise steps taken by your institution to validate the accuracy and veracity of the information in question. To this end, I kindly request that you provide a comprehensive and detailed account of the procedures, protocols, and mechanisms employed to acquire and verify the information attributed to these third-party creditors. Pursuant to the Fair Credit Reporting Act ( FCRA ) Section 611 ( 5 ) ( A ), I have the unequivocal right to request that any information on their credit report which is inaccurate, incomplete, or unverifiable be promptly deleted in order to ensure the accuracy and integrity of their credit profile. It is of paramount importance that you fulfill this legal obligation as delineated in the aforementioned provision. Drawing reference from FCRA 15 USC Section 1681i, it is evident that any information contained within the credit report must be accurate. In this instance, I have identified discrepancies and inaccuracies within the report, thereby necessitating the immediate rectification of these deficiencies. Moreover, FCRA 1681a ( 2 ) A ( i ) posits that credit reports must solely encompass information regarding transactions or experiences between the consumer and the entity responsible for reporting such activities. Therefore, any extraneous or irrelevant information must be expunged from my credit report promptly. With the utmost regard for personal privacy and consent, as assured by 15 USC 1681 Section 602, I affirm right to privacy and non-consensual dissemination of personal information to third parties. It is therefore imperative that you conform to these statutory provisions and refrain from disclosing my information without their explicit written authorization. In alignment with 15 USC 1681 Section 604 subsection 2, it is unequivocally stated that no consumer reporting agency, such as yourself, may furnish an account without prior written instructions from the consumer. I emphasize that I HAVE NOT provided written instructions to XXXX and XXXX in any form, rendering any disclosure by your institution a clear violation of their statutory rights under the FCRA. Furthermore, in reference to 15 USC 1666B, it is explicitly outlined that a creditor may not classify a payment on a credit card account as late within an open-end consumer plan for any purpose. ANY attempts to do so would constitute a serious breach of the law and a detrimental infringement upon my rights as a consumer. I also kindly request that you provide me with any pertinent information regarding past lawsuits or legal actions initiated against your AGENY due to fraudulent practices on consumer credit reports. Such documentation will prove invaluable in assessing the extent of your legal liabilities. It is incumbent upon your agency to meticulously outline the specific actions taken to authenticate the reliability and credibility of the information procured from these third-party creditors. I demand an exhaustive, step-by-step account of the measures implemented to ensure the accuracy and integrity of the information before its inclusion in their credit report. Furthermore, please clarify the nature of the relationship between you company and these third-party creditors, including any contractual agreements, financial arrangements, or affiliations that facilitate the exchange of consumer data. In the interest of transparency and clarity, it is essential that you disclose the details of any individuals, companies, or entities directly involved in the alleged fraudulent scheme. I intend to build a compelling case based on irrefutable evidence, incorporating the relevant provisions of the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) other pertinent consumer protection laws. Therefore, any information pertaining to the identity of those responsible for perpetrating or facilitating this wrongdoing will greatly contribute to the efficacy and strength of our legal proceedings. Please understand that I am fully aware of my rights as a consumer and are determined to protect MY rights vigilantly. I also write to formally requesting a comprehensive and meticulous investigation into the origin, acquisition, and dissemination of fraudulent and inaccurate information attributed to third-party creditors on my credit report. I strive to ensure that I protect my rights and they are upheld with the utmost rigor and dedication. In your response, I implore you to employ precise and articulate language, adhering to the highest standards expected from a reputable financial institution. The provision of concise and unambiguous explanations, utilizing industry-specific terminology, will facilitate my understanding of the intricacies involved in this alleged fraudulent scheme. Thank you Consumer Financial Protection Bureau ( CFPB ), for keeping track of all the reports that I have sent out to you, as the credit reporting agency has ignored my request, SEVERAL TIMES. They have indeed broken the laws and this letter will be public on social outlets. Therefore, with this information, fines will be granted due to their fraudulent acts
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| 02/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Unable to get your credit report or credit score
- Other problem getting your report or credit score
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXXXXXX XXXX, PA XXXX Dear, Transunion Re : This is not a regular dispute. Take action immediately you are in violation.
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime that i recently became aware of. The items I am disputing do not relate to any transactions that I have made or authorized. Please REMOVE this information at the earliest possible time.
As required by section FCRA 605B ( 15 U.S.C. 1681c-2 ) a copy of which is enclosed which states that this information must be removed within four business days of receipt, I am requesting that the adverse information on the items be removed to correct my credit report.
Please investigate these matters and remove the disputed items as soon as possible.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. XXXX XXXX Account Number : XXXX Please verify the payment status, balance, comments, payment history and account number as they might be incorrect. Fix or delete this account from my report completely.
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX I have no recollection of authorizing this credit pull and I demand this to be removed.
XXXX. XXXX Account Number : XXXX You can not report this account as updated when nothing has been changed! The same incorrect information is still being reported and nothing has been updated. You must remove these incorrect late payments from this account ASAP.
Enclosures : Proof of identity : Proof of Address, ID, FCRA 605b Enclosure Identity Theft report Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification. I do not consent to e-Oscar or any means of automated verification.
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX SSN : SS # : XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX : Law Firm XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX : Attorney Generals Office XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX : State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency CC XXXX XXXX XXXX XXXX Division of consumer complaints Thank You, Sincerely, XXXX XXXX
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| 08/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/XXXX To Whom It May Concern : This letter is a formal statement of concern based on your recent actions. I have in my possession an inaccurate copy of my consumer credit report from the Corporation and your financial agency. This report was lawfully obtained by me, through the declaration of the rights granted to consumers under the Fair Credit Reporting Act.
The Fair Credit Reporting Act has specific requirement for the accurate reporting of an item when it appears on a consumers credit report.
1. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
2. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
3. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Date of inquiry : XX/XX/XXXX Please ensure that all information is accurate. If not proven delete this immediately.
4. Under 15 U.S. Code 1692d-Harassment and abuse have been harassed and have trauma this account in violation.
XXXX XXXX Account XXXX : XXXX Please remove this account in my credit report.
XXXX. Under penalty of perjury I swear this account is false and misleading.
XXXX Account XXXX : XXXX Please remove it from my credit report.
6. You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) I never gave you any written consent to report anything on my consumer report.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this account or I will file litigation.
7. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX XXXX Account Number : XXXX Please remove it from my credit report.
XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. You are in VIOLATION of the HIPAA Act for sharing my security and privacy of health information. I NEVER given you any consent to report this.
XXXX XXXX XXXX XXXX Account Number : XXXX Please remove this account in my credit report.
The Fair Credit Reporting Act specifically details that all items within a consumers credit report must be reported with 100 % accurate information ( not 99.9 % or less ), must be 100 % verifiable ( not 99.9 % or less ), must be 100 % complete information ( not 99.9 % or less ), and must only be reported during the allowable reporting periods as detailed in the Act for the specific item as it appears. Given your previous irrelevant responses and the fact that the above account keeps coming back to me as Verified, you must have proof that it is, in fact, reporting lawfully. So therefore, please provide such proof, as defined by law, in which you must have on file that would assert to the lawful reporting of the above account and that this item does not violate the Fair Credit Reporting Act as detailed above. Please provide proof that the information as contained on the reported trade- line is in fact 100 % Accurate, Complete, Verifiable, AND Timely. Please do not provide some generic print-out or some generic statement as this would insult my intelligence as an educated individual and would further perpetrate the continual acts of wrongdoings by your company as detailed in numerous consumer studies and reports.
There is clearly already a problem with the system as it is. In fact, one recent consumer study proved that over 79 % of consumer credit reports contain errors. Another report shows that more than 90 % contain errors. Why does your company continue to operate with such low standards of success?
My request as indicated above is lawful and justified. As advised by my counsel, an itemized report detailing that the reporting of this item is not violating my constitutional rights is hereby requested. The continued reporting of this item in its negative state is causing me severe financial and emotional distress. If I must pursue litigation to protect my rights as granted under the Fair Credit Reporting Act, Fair Debt Collection Practices Act, Fair and Accurate Credit Transactions Act, Fair Credit Billing Act, RICO, SSCRA, as well as any other statutes and/or laws that would apply to me and my circumstances, then I am fully prepared and willing to take any and all necessary measures to do so. I formally request the immediate deletions of these items, as it is not complying with the above-mentioned laws and/or acts.
Your companys continued reporting of this derogatory item will be considered willful non- compliance due to the previous notifications and your continued disregard of the law. A precedent has certainly been set by the flagrant disregard to accuracy as displayed in the consumer study results. So if litigation is necessary a pro-se representation will be prepared, and a formal jury trial will be requested. Please respond in a timely fashion, within 30 days or less, to avoid any unnecessary legal expenses.
I have filed an attorney general complaint reporting your ignorance in processing this request and greeting your mistakes CORRECTED.
**ATTACHED HEREWITH A CERTIFIED COPY OF THE LETTER SENT TO ATTORNEY GENERALS OFFICE Sincerely, XXXX XXXX XXXX : XXXX XXXX Assistant Director of Enforcement Consumer Financial Protection Bureau1700 G. Street NW Washington , D.C. 2055 CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXXXXXX CC : Attorney Generals Office CC XXXX XXXX XXXX XXXX XXXX XXXX State Senate CC : Federal Deposit Insurance Corporation CC : Comptroller Of The Currency CC : Federal Reserve System CC : Credit and insurance CC : Federal Trade Commission CC : State Regulatory agency
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| 11/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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By the provisions of the Fair Credit Reporting Act, I am submitting this CFPB complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file.
XXXX XXXX XXXX Balance Owed : {$0.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
XXXX XXXX Balance Owed : {$520.00} - An account showing to be 120 days late is already a charge off account with accordance to Federal Reserve and Federal Insurance Act. However, I see here that this account is continuously marked as 120 days late. I believe that this account is erroneously reporting. Please investigate the way this account reports and update all lates to reflect correct status immediately. Regards.
XXXX XXXX XXXX XXXX : {$1700.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file.
XXXX XXXX XXXX XXXX : {$2700.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
XXXX XXXX XXXX XXXX : {$3500.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$1400.00} - I believe this account is reporting inaccurately. I do not believe I was late on the dates this account presents. I keep records of my payments and I always make my payments on time, I was never late. Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. I request an investigation and please update this account for lawful accuracy.
XXXX XXXX XXXX XXXX : {$1700.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$600.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Please check the Payment History information of this account. The late history shouldn't be showing lates because I believe I paid on time. Please adjust the late payments from this account. I am not late on this account. Get it right immediately ; evaluate this reporting by revising the information provided. Modify and perform any corrections and update this from my file.
XXXX XXXX XXXX Balance Owed : {$49.00} - I would like to confirm the payment history and status of this account. I believe this account is reporting inaccurate informations. I was never late on this account because I always make my payments on time. I keep my own payment records and the record you present do not match with what I have. I request a thorough investigation for this account and update for legal and lawful accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$2100.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$910.00} - Please check the Payment History and Status information on this account. It is entirely wrong, to begin with. I was never late on this account because I make my payments on time. My record shows that I never missed a payment. Please update all lates immediately. The current status is all wrong and a scorable category. Please update for legal accuracy. Thank you.
XXXX XXXX XXXX XXXX : {$910.00} - There are multiple errors in the listing that are damaging to me including balance, payment status, and date of last payment. I do not believe I was late on the dates you are reporting. I always make my payment on time and I never missed a payment. Please update for lawful accuracy. Thank you.
XXXX XXXX XXXX Balance Owed : {$0.00} - An account showing to be 120 days late is considered a charge off under the Federal Reserve and the Federal Deposit Insurance Act. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately. Thank you.
XXXX XXXX XXXX XXXX : {$2300.00} - This particular account is undoubtedly placed as a charged-off account, make sure you tell me the reason why there is a balance indicating on the statement if its a charge-off? The balance is truly incorrect, if possible, replace it to XXXX or eliminate the item certainly.
XXXX XXXX XXXX Balance Owed : {$8200.00} - This account was showing an inaccurate payment history and payment status. A charge-off should show a XXXX balance. This inaccurate information continues to do harm to my credit. Please provide proof of the last payment. Otherwise, remove this from my file.
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| 04/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX XX/XX/XXXX Transunion TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Re : Request to Reinvestigate & Delete Accounts Re : Full name : XXXX XXXX XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX Legal Department, I am a victim of identity- theft, I am writing to request that you block all the following fraudulent accounts in my files with Transunion XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
Policy states.
According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy.
( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
3. Identity Theft XXXX Date XXXX inquiry : XX/XX/XXXX This is not mine.
4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
5. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine.
I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted.
According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity-theft.
1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity-theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer.
I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted.
Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers
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| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I just found out my personal information including ssn and email login and password has been found in multiple data breaches including XXXX DATA BREACH. These credit reporting agencies are reporting fraud information on my credit report. I've sent a letter to them more than 45 days .asking for method of verification. I asked for specific information regarding on how they carried out their investigation .They never responded to my request. This letter is my 2nd formation request for you to explain to me how you conducted your investigation and for you to provide me your method of verification.
Your response should to me should include the following at a minimum.
Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported?
1.What certified documents were reviewed to conclude your investigation?
2.Please provide a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation.
3.What did it cost your company to obtain the documents needed to complete your investigation?
4.Please provide proof of your timely procurement of certified documents.
5.Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting?
6.If yes to above : Who did you speak to?
7.On what date?
8.How long was the conversation?
9.What was their position?
10.What telephone number did you call?
11.What is the name of the employee of your company that spoke directly to the above party?
12.What is the position of the employee of your company that spoke directly to the above party?
13.How long has that employee been employed by your company?
14.What formal training was provided to this employee to investigate items of this kind?
15.Was there any e-mail or written communication between members of your company and the above party?
16.Provide copies of all correspondence ; supply copies of any and all conclusive documentation to prove that you have in fact 17.conducted a reasonable investigation of the account in question.
18.Provide the date of the commencement of delinquency.
19.Provide the SPECIFIC date reporting that these items will cease.
20.Enclosed with your response to the above questions I respectfully request a notarized affidavit confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not come as a form letter response.
My initial dispute was detailed and directly related to the account in question. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report.
This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. If you choose not to provide the above-requested deletion or requested/required documentation of your investigation, I will pursue the enforcement of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. I will represent myself pro-se and will formally request a jury trial. You verified information as 100 % accurate that even the creditor XXXX sent me a letter stating that they have made arrangements to remove the account from my report. ( I'VE ATTCHED A COPY ) So how can it be verified. This on-going negligence has caused me many opportunities. I have 44 alerts from XXXX identity monitor of many many breaches that my information was compromised and has been also found on the dark web markets for sale. ( also attached ). According to fcra 1681c2. Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
( b ) Notification A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block.
This should have never been on my credit report if proper laws were followed. At this point they are knowingly reporting fraudulent information thats far from being accurate .Comparing the accounts for the 2 different reporting agencies they dont even match up correctly. I've recently got legal advice from a lawyer and he agreed that this is bad and highly unacceptable and i probably should think about taking legal actions for violation of my rights. This has cost me lots of money and opportunities. XXXX has only kept updating information to more inaccurate information. They changed the information 4 times and i have i proof.
The accounts for XXXX are XXXX XXXX # XXXX XXXX # XXXX also a inquiry that i didnt give permission to anyone to do. Its XXXX XXXX XX/XX/23 The accounts for TRANSUNION are XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I Never received any service or goods from these places but they said i did. Well i would like to see your proof of me receiving goods. Real tangible physical proof. Not words.Also if you cant provide the all the above things I asked for in method of verification then remove these accounts IMMEDIATELY!!! I wasnt aware of XXXX data breach. How did my personal information get compromised.
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| 12/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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To Whom It May Concern : I have recently obtained a copy of my credit report and observed that there are two accounts being reported on my consumer report which should not be present. I hereby request the immediate removal of the account in question from my consumer report. My account number as stated below is being reported as two separate accounts on the credit reporting agencies websites.
Account : XXXX ( XXXX Website ) The reporting of these accounts are a clear violation of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( l ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.
I demand these accounts be deleted from my consumer report.
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I, the consumer, may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.
15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
There is a clear violation of the law. I have never given the opportunity to exercise my rights under the provisions of this law.
Furthermore, 16 CFR 313.7 clearly states that you are required to provide clear and conspicuous opt out notice.
16 CFR 313.7 Form of opt out notice to consumers ; opt out methods.
( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right.
( f ) Continuing right to opt out. A consumer may exercise the right to opt out at any time.
( g ) Duration of consumer 's opt out direction.
( 1 ) A consumer 's direction to opt out under this section is effective until the consumer revokes it in writing or, if the consumer agrees, electronically.
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My transactions and experiences with your company are excluded from the consumer report.
You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.
The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.
In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.
2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.
A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.
Additionally, You have violated the Family Educational Rights and Privacy Act 1974 It prohibits educational institutions from disclosing personally identifiable information in education records without the written consent of an eligible student, or if the student is a minor, the students parents ( 20 U.S.C.S. 1232g ( b ) ).
You have failed to comply with all the laws mentioned above. I have never given the opportunity to exercise my rights under the provisions of these law. Not only I am opting out from all or any authorization I, the consumer, may have given you, whether it was written, unwritten, verbal and nonverbal, I am also requesting that you cease and desist immediately all illegal activities.
Finally, you required to contact the consumer reporting agencies to update my consumer credit profile accordingly specially for the late payments you have reported or any other transactions history or experiences I have with your institution, please have them fix these violations.
Best regards,
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| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX SSN : XXXX | XXXX : XXXX Re : This is not a regular dispute. Take action immediately if you are in violation. NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. Pursuant to 15 USC 1611 Transunion, XXXX, XXXX, and XXXX XXXX are criminally liable.
I'm bothered that you have incorporated the data beneath in my credit profile and that you have neglected to keep up sensible methods in your activities to guarantee the most extreme conceivable exactness in the credit reports you distribute. Credit announcing laws guarantee that agencies report just 100 % exact credit data. Each progression should be taken to guarantee the data detailed is totally precise and right. The accompanying data in this way should be re-researched.
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.
Despite my written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. As you are well aware, federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies is investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you will be liable for your willful non-compliance.
I also enclosed the Letters that you Failed to Respond to.
Its very obvious that your agency doesnt know what the FCRA is because from the looks of my credit report and all the errors I see you are disregarding it so heres my breakdown.
1. The Fair Credit Reporting Act is the primary federal law governing the collection and reporting of consumer credit information. Its rules cover how a consumer 's credit information is obtained, how long it is kept, and how it is shared with othersincluding consumers themselves.
2. What is an FCRA violation?
Creditors give reporting agencies inaccurate financial information about you. Reporting agencies mix up one person 's information with another 's because of similar ( or the same ) last names or social security numbers. Agencies fail to follow guidelines for handling disputes.
3. My rights under the fair credit reporting act Verify the accuracy of my report when it is required for employment purposes.
Receive notification if information in my file has been used against me in applying for credit or other transactions.
XXXX have the bureaus correct and deleteinformation in my report that is incomplete, inaccurate, and unverifiable.
Remove outdated, negative information ( after seven years in most cases, 10 in the case of bankruptcy ).
I demand these items be deleted immediately. I entered the items and the outcome I desire below because you are in violation and these items are not 100 % accurate and they are either INACCURATE, Unverifiable, and Invalidated I recently applied for extended credit and was denied I am in distress because of your mistakes.
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately.
* Please remove all non-account holding inquiries This agency is in violation of 15 U.S.C. 1692G. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this Debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Please note that you had 30 days to complete this investigation and you failed, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), If you can not verify the information within the 30-day time period, you must delete all of the disputed accounts from my report.
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within ( 5 ) days of the completion of your re-investigation and I am keeping a careful record of your actions, including your Method of Verification.
Seeking {$5000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 4. ) Financial Injury 5. ) PENALTY OF PERJURY 6. ) Violations of 15 U.S.C 1692g 7. ) 15 U.S.C 1692a abusive practices 8. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports 9. ) 15 U.S. code 1681 4A B2 Misleading False Reporting My contact information is as follows : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX P.S. Please be aware that depending upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Thomas Ward Assistant Director of Enforcement Consumer Financial Protection Bureau 1700 G. Street NW Washington, D.C. XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 07/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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TRANSUNION CONTINUES TO PUBLISH THE FOLLOWING INFORMATION EVEN AFTER I INFORMED THEM THAT THIS WAS DUE TO IDENTITY THEFT WITH SUPPORTING DOCUMENTATION FROM THE USPS POSTAL INSPECTION SERVICE CRIMINAL INVESTIGATIONS DIVISION AND A SIGNED AFFIDAVIT FROM A USPS EMPLOYEE NOTING THAT SEVERAL HEALTH INSURANCE AND SOCIAL SECURITY CARDS WERE ORDERED NOT BY ME AND SENT TO MY XXXX XXXX XXXX, XXXX XXXX MI XXXX. THE ACCT # IN QUESTION ON MY TRANSUNION CREDIT REPORT IS : XXXX XXXX, XXXX, XXXX XXXX. I ALSO EXPLAINED TO THAT COMPANY THAT A COURT ORDERED CONSERVATOR NAMED XXXX XXXX, A LAWYER WITH LAW OFFICE OF XXXX XXXX, WAS ASSIGNED TO ME AND FORWARDED ALL MY MAIL AND TOOK OVER ALL FINANCIAL MATTERS AND THAT I NO LONGER HAD ANY CONTROL OF MY FINANCES AND THAT INQUIRES WERE TO BE DIRECTED TO HIM. THIS CONSERVATOR MISMANAGED MY ACCOUNTS AND REFUSED TO PAY ANY OF MY CREDIT CARDS RESULTING IN ALL OF THEM BEING CANCELLED EVEN THOUGH HE HAS BILLED THE COURTS AND MY ACCOUNTS WITH HIS FEES FOR PAYING AND REVIEWING MY CREDIT CARD STATEMENTS. MY CREDIT IS IN A WRECK FROM MISMANAGEMENT AND USED TO BE IN THE 720 - 780 RANGE. SINCE I WAS NO LONGER RESPONSIBLE FOR FINANCIAL ISSUES OR DECISIONS FOLLOWING THE APPOINTMENT OF A CONSERVATOR AND LOSS TOTAL CONTROL OF THE ACCOUNT, I SHOULD NOT BE HELD RESPONSIBLE FOR CHARGES INCURRED OR CHARGED BY HIM AND THIS SHOULD BE REMOVED FROM MY CREDIT REPORT.
THE FOLLOWING SHOULD BE REMOVED FROM MY CREDIT REPORT SINCE FINANCIAL ACCOUNTABILITY WAS TRANSFERRED TO THE CONSERVATOR APPOINTED BY THE COURT.
XXXX {$4800.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit {$6600.00} XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. Credit Utilization* 73.33 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks -- {$0.00} Individual {$4800.00} {$4800.00} Collection/Charge- Off Unknown XX/XX/XXXX {$4800.00} XXXX Charged off as bad debt Account closed by consumer XXXX {$2400.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$2400.00} {$5700.00} Collection/Charge- Off Unknown -- {$2100.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$28000.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$28000.00} {$28000.00} Collection/Charge- Off Unknown -- {$16000.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX XXXX {$0.00} Account Details Payment History Last Reported Creditor Name Account Type XX/XX/XXXX XXXX XXXX Flexible Spending Credit Card Latest Status : Collection/Charge-Off No payment history has been reported by this creditor. Credit Utilization* 0.00 % Creditor Contact Details XXXX XXXX XXXX XXXX XXXX XXXX , DE XXXX ( XXXX ) XXXX Account Status Opened Date Closed Date Limit {$20000.00} Closed - Derogatory XX/XX/XXXX XX/XX/XXXX Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks -- {$0.00} Individual {$0.00} {$13000.00} Collection/Charge- Off Unknown XX/XX/XXXX {$0.00} XXXX Charged off as bad debt Account closed by consumer XXXX {$780.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$780.00} {$4400.00} Collection/Charge- Off Unknown -- {$780.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$340.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$340.00} {$970.00} Collection/Charge- Off Unknown -- {$340.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$5100.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Credit Card Closed - Derogatory XX/XX/XXXX XX/XX/XXXX -- -- {$0.00} Individual {$5100.00} {$12000.00} Collection/Charge- Off Unknown -- {$5100.00} XXXX Charged off as bad debt Account information disputed by consumer, meets FCRA requirements XXXX {$0.00} Account Details Payment History Last Reported Creditor Name Account Type Account Status Opened Date Closed Date Limit Term Monthly Payment Responsibility Balance Highest Balance Payment Status Worst Payment Status Date of Last Payment Amount Past Due Times 30/60/90 Days Late Remarks XX/XX/XXXX XXXX Flexible Spending Credit Card Closed XX/XX/XXXX XX/XX/XXXX {$5000.00} -- {$0.00} Individual {$0.00} {$430.00} Current 120-149 Days Late -- {$0.00} XXXX Canceled by credit grantor
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| 01/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im depressed they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 709 XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 90 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful then one of the pet told me they cant dispute these fraudulent accounts and that it wasn't nothing personal which I found very rude which makes me even more depressed now because this is personal because it on my personal credit report they are a very abusive company and don't want to help what so ever I have very low credit utilization. I have XXXX negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and negative accounts its been XXXX XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 88 times in the last 120 days. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless XXXX cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave these creditors WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN OR CLOSE ANY ACCOUNT. THESE BALANCES IS IN ACCURATE, PAYMENT STATUS AND HISTORY IN ACCURATE, LAST ACTIVITY DATE IS IN ACCURATE, ALL INFORMATION REGARDING THESE NEGATIVE INSTALLMENT LOAN IS INACCURATE.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed OR OPEN accounts with THESE LISTED CREDITORS BELOW WITH MY DOCUMENTATION. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if THESE CREDITORS DID NOT GET ANY WRITTEN SIGNATURE, CONSENT OR AUTHORIZATION FROM ME. This account is fraud and does not belong to me, this is in accurate, I have never opened or closed any account with THESE CREDITORS I ask for documents with signature or authorization, they did not submit my request.This grounds for removal and deletion immediately. I never gave THESE CREDITORS ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULENT CREDIT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY CREDIT ACCOUNT WITH THESE CREDITORS BELOW They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. In accordance with the Fair Credit Reporting act WITH THESE CREDITORS BELOW XXXX AND XXXX AND TRANSUNION has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose SECTION 604 15 U.S CODE 1681 B THE LAW STATES THAT NO ONE CAN FURNISH INFORMATION ON MY CREDIT REPORT WITHOUT MY CONSENT. SECTION 605 A 15 U.S CODE 1681 C-1 WITH NO WRITTEN CONSENT OR INSTRUCTIONS THAT WOULD IN FACT BE IDENTITY THEFT SECTION 605 B 15 U.S CODE 1681C A copy of section 605B of the Fair Credit Reporting Act, whichrequires you to block the.fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. AND THEY DID NOT NOTIFY ME THEY PLACED THIS FRAUDULENT ACCOUNT BACK ON MY CONSUMER REPORT defamation of character OF MY NAME SO NOW I WILL BE FILING LITIGATION IN COURT.
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